First International Bank Of Israel Ltd · TASE:FIBI

First International Bank Of Israel — Q3 2024 Earnings Presentation

19 slides from First International Bank Of Israel's earnings presentation, November 2024

  1. Slide 1: Financial Statements As of September 30, 2024

    FIBI Financial Statements As of September 30, 2024 The accessible presentation is available on the First International Bank’s website via the link: https://online.fibi.co.il/wps/portal/FibiMenu/MarketingEN/AnInformation/AnInvestorRelations/AnFinancialStatements/An2023

  2. Slide 2: Growth, Profitability and Financial Stability

    Growth, Profitability and Financial Stability 3 months 9 months 12 months ROE 19.4% 19.4% - Credit loss expense (income) ratio 0.07% (0.06%) - Efficiency ratio 42.8% 44.5% - Credit growth (total credit amounts to NIS 126 billion) 3.5% 6.0% 5.2% Deposit growth 4.3% 11.4% 17.5% Client asset growth (to

  3. Slide 3: Net Profit and ROE

    Net Profit and ROE Cumulative (9 months) Quarterly 19.4% 20.5% 19.4% 1,798 19.6% 1,673 18.7% 609 620 17.0% 569 16.0% 499 455 2.96% 3.21% 50% 2.93% 1.57% 1.18% 1-9.23 1-9.24 28% 27% Q3.23 Q4.23 Q1.24 Q2.24 Q3.24 3 FIBI

  4. Slide 4: Strong Financial Position – Significant Gap above the regulatory requirements

    Strong Financial Position – Significant Gap above the regulatory requirements Tier 1 Capital Ratio Comprehensive Capital to Risk Assets Ratio 14.65% 14.94% 11.35% 11.78% 11.41% 14.12% 14.03% 13.79% 10.84% 11.34% 1.62% 2.15% 2.44% 1.53% 1.29% 1.60% 2.11% 2.53% 2.10% 2.18% Q3.23 Q4.23 Q1.24 Q2.24 Q3.2

  5. Slide 5: High-Quality Credit Portfolio with Robust Provision Buffers

    High-Quality Credit Portfolio with Robust Provision Buffers Ratio of provision for credit losses to public credit Credit Loss Expenses (Income) (balance sheet and off-balance sheet) 0.55% 0.55% (0.01%) (0.24%) 0.07% 1.73% Ratio of provision, 0.90% 1.70% 1.67% 1.66% after deduction of 1.54% financial

  6. Slide 6: Principal Income Statement Information

    Principal Income Statement Information Net income from current activities excluding CPI (NIS millions) Total income before provision for credit losses (NIS millions) 216 3,732 5,036 5,037 3,451 13.5% 1,817 1,601 1,582 1,581 1,639 1,200 1,188 1,138 1,138 1,175 Q3.23 Q4.23 Q1.24 Q2.24 Q3.24 1-9.23 1-9

  7. Slide 7: Total Operating Expenses and Efficiency Ratio

    Total Operating Expenses and Efficiency Ratio Total operating and other expenses (NIS millions) 2,240 2,197 733 731 732 777 680 Q3.23 Q4.23 Q1.24 Q2.24 Q3.24 1-9.23 1-9.24 Efficiency Ratio 45.8% 46.2% 44.7% 43.6% 44.5% 43.0% 42.8% Q3.23 Q4.23 Q1.24 Q2.24 Q3.24 1-9.23 1-9.24 7 FIBI

  8. Slide 8: Credit Growth End of Period (NIS billions)

    Credit Growth End of Period (NIS billions) Small & micro Private Credit portfolio businesses Housing loans customers 35.5 35.9 36.2 126.4 122.0 22.3 22.8 23.2 119.2 18.1 18.3 18.3 31.12.23 30.6.24 30.9.24 31.12.23 30.6.24 30.9.24 31.12.23 30.6.24 30.9.24 31.12.23 30.6.24 30.9.24 Large businesses Mid

  9. Slide 9: Deposit and Client Asset Growth End of Period (NIS billions)

    Deposit and Client Asset Growth End of Period (NIS billions) Deposits Total AUM 31.6 8.8 212.9 17.5% 191.1 204.1 4.3% 181.3 798 755 672 634 30.9.23 31.12.23 30.6.24 30.9.24 585 551 Non-interest 22% 23% 22% 22% bearing 480 current 453 accounts Deposit composition 30.9.24 institutions 35% Private cust

  10. Slide 10: Client Asset Growth End of Period (NIS billions)

    Client Asset Growth End of Period (NIS billions) Midsize businesses Small & micro businesses Private customers 165 169 152 158 50 51 53 54 74 78 83 71 24 27 28 10 12 12 12 25 4 5 6 6 84 87 86 81 25 27 27 26 6 7 6 6 30.9.23 31.12.23 30.6.24 30.9.24 30.9.23 31.12.23 30.6.24 30.9.24 30.9.23 31.12.23 30

  11. Slide 11: Capital, Balance Sheet and Dividend Yield

    Capital, Balance Sheet and Dividend Yield(NIS millions) Equity attributable to shareholders Quarterly dividend distribution/dividend yield Balance Equity attributable to 6.6% shareholders of the Bank 5.6% 5.5% 5.3% 5.4% Dividend yield 242.5 269 244 232.8 220 Supplementation 228 to 50% of H1.23 169 p

  12. Slide 12: Key Highlights from the Financial Statements

    Key Highlights from the Financial Statements Dividend Quality credit portfolio Growth Financial strength The dividend yield as of A high-quality credit 22.7% growth in the client ROE during the first nine 30.9.2024 amounted to portfolio - low credit loss asset portfolio and 17.5% months and third qu

  13. Slide 13: FIBI is Ranked No. 1

    MarketTest Survey – October 2024 FIBI is Ranked No. 1 In value In financial In In service for money advice professionalism In intentions to In satisfaction In individually In the rate of recommend the with the website tailored offers digital use Bank to friends and app 13 FIBI

  14. Slide 14: ‫לראשונה ובלעדי בבנק הבינלאומי‪:‬‬

    ‫לראשונה ובלעדי בבנק הבינלאומי‪:‬‬

  15. Slide 15: Appendices

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  16. Slide 16: Condensed Income Statement 1-9.24 (NIS millions)

    Condensed Income Statement 1-9.24 (NIS millions) 1-9.24 1-9.23 Change % change Interest income, net 3,601 3,820 (219) (5.7%) Non-interest financing income 300 78 222 284.6% Net financing income 3,901 3,898 3 0.1% Credit loss expenses (income) (income of 0.06% compared to expenses of 0.38% in the cor

  17. Slide 17: Condensed Income Statement 1-9.24 (continued)

    Condensed Income Statement 1-9.24 (continued) 1-9.24 1-9.23 Change % change Total operating and other expenses 2,240 2,197 43 2.0% Salaries and related expenses 1,302 1,353 (51) (3.8%) Maintenance and depreciation of premises and equipment 294 256 38 14.8% Amortization and impairment of intangible a

  18. Slide 18: Disclaimer

    Disclaimer . Without derogating from the generality of the provisions contained in the Terms of Use as published on the website of The First International Bank of Israel Ltd. (the “Bank” and/ or “FIBI”), this presentation and its contents were prepared by the Bank for its exclusive use as part of th

  19. Slide 19: Thank You

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