First International Bank Of Israel Ltd · TASE:FIBI

First International Bank Of Israel — The First International Bank of Israel — Q1 2025 Earnings Presentation

17 slides from First International Bank Of Israel's earnings presentation, 2025

  1. Slide 1: Financial Results Quarterly Review Q1-2025

    The document can be viewed on the International Bank website FINANCIAL RESULTS Quarterly Review Q1-2025

  2. Slide 2: 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

  3. Slide 3: Key Highlights from the Financial Statements

    Key Highlights from the Financial Statements Net Profit Growth Credit portfolio quality Dividend NIS 530 Millions 14.4% credit growth YoY and a A high-quality credit portfolio – The dividend yield as of 2.0% growth in the first quarter Income of NIS 11 Millions versus March 31st , 2025 Tier 1 capita

  4. Slide 4: ROE and Growth over time

    ROE and Growth over time Net Profit and ROE Profit before tax 18.7% 887 15.7% 852 569 530 Q1.24 Q1.25 Q1.24 Q1.25 4

  5. Slide 5: Continuous Financial Strength

    Continuous Financial Strength Tier 1 Capital Ratio Comprehensive capital to risk assets ratio 11.78% 11.31% 14.94% 13.48% Gap above the 2.53% 2.08% 2.44% 0.98% regulatory requirement Q1.24 Q1.25 Q1.24 Q1.25 Liquidity Coverage Ratio 161% 146% 61% 46% Q1.24 Q1.25 5

  6. Slide 6: Consistent Income Growth

    Consistent Income Growth Financial Total Earnings 1,140 1,154 1,581 1,668 Income from Current Before Activity Excl. Provision CPI (NIS millions) for Credit Losses Q1.24 Q1.25 (NIS millions) BOI rate (average) 4.51% 4.50% FED rate 5.50% 4.50% Q1.24 Q1.25 (average) 425 365 Fee Income (NIS millions) Q1

  7. Slide 7: Provision for Credit losses and Credit Quality Indices

    Provision for Credit losses and Credit Quality Indices Provision for credit losses 1.53% Ratio of 1.36% provision for (0.01%) (0.24%) 0.07% 0.11% (0.03%) credit losses to credit to the public Q1.24 Q1.25 0.13% 0.08% 0.07% NPL- Ratio of 0.60% 0.01% non-accrual (0.02%) 0.46% debts or (0.01%) (0.02%) d

  8. Slide 8: Operating Expenses & Efficiency

    Operating Expenses & Efficiency 792 731 Operating 453 447 expenses 84 82 35 31 171 220 Q1.24 Q1.25 Other expenses Amortization of intangible assets Maintenance and depreciation of premises Salaries and related expenses Efficiency 46.2% 47.5% ratio Q1.24 Q1.25 8

  9. Slide 9: Continuous Credit Growth

    Continuous Credit Growth $36B 131 134 Growth in 117 119 117 102 Credit to the 92 Public (NIS Billions) 31.12.20 31.12.21 31.12.22 31.12.23 31.03.24 31.12.24 31.03.25 Private Customers Large Businesses 17% (Incl. Instittions) 36% Credit Portfolio Private customers March 31st 2025 44% Housing Loans Mi

  10. Slide 10: Credit Portfolio by Segment, end of period (NIS Billions)

    Credit Portfolio by Segment, end of period (NIS Billions) Small & Micro Housing Private Businesses Loans 35.6 36.4 36.7 Customers 22.6 23.3 23.4 18.2 18.2 18.5 31.3.24 31.12.24 31.3.25 31.3.24 31.12.24 31.3.25 31.3.24 31.12.24 31.3.25 Large Businesses Midsize (Incl.Institutions) Businesses 45.9 47.4

  11. Slide 11: AUM Growth Over Time

    AUM Growth Over Time $252B 937 839 720 672 AUM 530 601 560 Growth 623 716 Securities 481 524 (NIS Billions) 388 448 392 Deposits 153 168 191 196 215 221 142 31.12.20 31.12.21 31.12.22 31.12.23 31.03.24 31.12.24 31.03.25 Private Customers Financial Institutions 38% Deposits 38% Portfolio 49% March 31

  12. Slide 12: AUM end of period (NIS Billions)

    AUM end of period (NIS Billions) Midsize Small & Micro Private Businesses businesses Customer 171 172 161 53 54 54 87 89 75 12 13 12 27 27 30 5 6 6 86 85 83 6 7 6 27 27 24 31.3.24 31.12.24 31.3.25 31.3.24 31.12.24 31.3.25 31.3.24 31.12.24 31.3.25 Financial Large Institutions 658 Businesses 557 43 37

  13. Slide 13: Capital Growth Conservative Proprietary Portfolio

    Capital Growth Conservative Proprietary Portfolio Equity Attributable to shareholders Portfolio As of March 31st 2025 Balance (INS Billions) Stocks & Corporate Bonds, 5% Equity Attributable to Bank Bonds, shareholders the Bank 253.7 6% 248.6 221.6 13.4 13.8 12.1 US Government Bonds, 26% Israel Gover

  14. Slide 14: Dividend yield (NIS Millions)

    Dividend yield (NIS Millions) Dividend Distribution Dividend Yield 6.3% 5.6% 5.7% 989 **269 244 248 798 228 * 212 169 Profit distribution ratio with 20% 20% 40% 40% 40% respect to previous 100 quarter 212 profits Q1.24 Q2.24 Q3.24 Q4.24 Q1.25 2023 2024 31.3.25 *The Bank’s board approved a distributi

  15. Slide 15: Innovations and Launches

    Innovations and Launches

  16. Slide 16: Digital Innovations and launches during Q1-Q2 of 2025

    Digital Innovations and launches during Q1 -Q2 of 2025 New Banking Website State of the art user experience, Foreign Currency Transfers via the App Simple navigation, A friendly and new user interface that Personalized menu and a simplifies the process of foreign currency design that is mobile adapt

  17. Slide 17: Thank You

    FPIBI 333 sai orisnact A Thank You

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