First International Bank Of Israel Ltd · TASE:FIBI
First International Bank Of Israel — The First International Bank of Israel — FY2024 Earnings Presentation
22 slides from First International Bank Of Israel's earnings presentation, 2025
Slide 1: Financial Results Annual Report 2024
The document can be viewed on the International Bank website FINANCIAL RESULTS ANNUAL REPORT 2024
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
Slide 3: Key Highlights from the Financial Statements
Key Highlights from the Financial Statements Business activity in 2024 was conducted while the " Swords of Iron " war was at its peak. The implications for the banking system in general included: elevated credit risks, downgrading of the State of Israel's rating, an increase in the tax rate, continu
Slide 4: Maintaining High ROE and Continuous Growth
Maintaining High ROE and Continuous Growth 19.0% 19.7% 2,371 2,172 16.6% 14.7% 1,667 1,405 8.6% 750 2020 2021 2022 2023 2024 4
Slide 5: Continuous Financial Strength
Continuous Financial Strength 165% 11.18% 11.46% 11.35% 11.31% 156% 65% Gap above the Gap above the 150% regulatory 3.21% 10.42% 2.08% regulatory 56% 2.93% 2.11% requirement requirement 50% Liquidity 128% Tier 1 1.18% 127% Coverage 28% 27% Capital Ratio Ratio 2020 2021 2022 2023 2024 2020 2021 2022
Slide 6: Consistent Income Growth
Consistent Income Growth Total 6,618 6,746 Income 5,414 Before 4,160 4,550 Provision for Credit Losses (NIS millions) 2020 2021 2022 2023 2024 Financial Earnings 4,926 4,623 3,779 1,553 from Current 2,782 2,746 1,489 1,502 1,444 Activity Excl 1,371 CPI Fee (NIS millions) Income 2020 2021 2022 2023 2
Slide 7: Maintaining Operational Efficiency
Maintaining Operational Efficiency 4,947 4,288 4,074 3,791 3,645 3,646 3,616 3,507 Headcount (End of Period) 31.12.14 31.12.18 31.12.19 31.12.20 31.12.21 31.12.22 31.12.23 31.12.24 2% 77.3% Total 2,912 2,877 2,977 61.8% 2,569 2,755 Efficiency 58.3% Operating 2,652 50.9% Ratio 43.5% 44.1% and other E
Slide 8: Continuous Credit Growth
Continuous Credit Growth 126.4 131.1 117.2 119.2 102.2 Growth in 92.2 Credit to the Public (NIS Billions) 31.12.20 31.12.21 31.12.22 31.12.23 30.9.24 31.12.24 Private Customers Large Businesses 18% (Inll.Instittions) Credit 34% Portofolio Private customers custom Mix 46% Dec. 31st 2024 Housing Midsi
Slide 9: Credit Portfolio by Segment, end of period (NIS Billions)
Credit Portfolio by Segment, end of period (NIS Billions) 3% 18.3 18.2 35.5 36.2 36.4 23.2 23.3 18.1 22.3 Small & Housing Private Micro Loans Customers Businesses 31.12.23 30.09.24 31.12.24 31.12.23 30.09.24 31.12.24 31.12.23 30.09.24 31.12.24 41.4 45.9 36.0 7.4 7.3 7.3 Large Businesses Midsize (Inc
Slide 10: Provision for Credit losses and Credit Quality Indices
Provision for Credit losses and Credit Quality Indices Credit Quality Indices Provision for credit losses 31.12.23 31.12.24 0.90 0.90% 0.55% (0.01%) (0.24%) 0.07% 0.11% Allowance Buffers 1.50% 1.38% Ratio of provision for credit 0.70 0.70% losses to credit to the public 0.46% 0.50 0.50% NPL 0.60% 0.
Slide 11: AUM Growth Over Time
AUM Growth Over Time 838 601 672 AUM 530 560 623 Growth 388 448 392 481 Securities (NIS Billions) Deposits 142 153 168 191 215 31.12.20 31.12.21 31.12.22 31.12.23 31.12.24 Private customers Financial 40% Deposits Institutions 34% Portfolio Mix 52% Dec. 31st 2024 Large Businesses 11% Small & Micro Bu
Slide 12: AUM end of period (NIS Billions)
AUM end of period (NIS Billions) 169 171 158 Midsize Small & 54 Private Businesses Micro 51 54 74 83 87 Customer 12 12 13 businesses 24 28 27 5 6 6 84 86 85 27 26 27 7 6 7 31.12.23 30.09.24 31.12.24 31.12.23 30.9.24 31.12.24 31.12.23 30.09.24 31.12.24 419 528 557 43 32 35 Financial 454 484 19 Instit
Slide 13: Capital Growth Conservative Proprietary Portfolio
Capital Growth Conservative Proprietary Portfolio Equity Attributable to shareholders Mix As of Dec. 31st 2024 Balance (INS Billions) Stocks & Corporate 249 Bonds, 4% Equity Attributable to Bank Bonds, 22s0h.a0reholders the Bank 5% 222 210.0 200.0 196 190.0 13,430 181 12,071 180.0 US 168 Government
Slide 14: Dividend yield (NIS Millions)
Dividend yield (NIS Millions) Dividend Distribution Dividend Yield 6.8% 6.3% 5.6% 269 4.5% 244 248 945 228 989 Supplementation to 50% of H1.23 169 Profits 798 1.5% 545 Profit distribution 90 100 ratio with respect to previous 20% 20% 40% 40% 40% quarter 125 profits Q4.23 Q1.24 Q2.24 Q3.24 Q4.24 2020
Slide 15: Innovations and Launches
Innovations and Launches
Slide 16: Digital Innovations and launches
Digital Innovations and launches Display of Information on credit cards issued by other banks and non-bank credit companies Credit Cards New card order, increased credit card limit Capital Markets Significant upgrade in the user interface on the app for capital markets customers Digital Housing Loan
Slide 17: For the First Time and Exclusively at FIBI
For the First Time and Exclusively at FIBI Financial planning of all your Assets from all Banks & Financial Institutions under one Roof! Monitoring Portfolio Performance An overview of all Investments Multi Banking: Adding Financial Products that Conducting are not Managed in the Simulations Bank Ac
Slide 18: Appendices
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Slide 19: Principal Information 2024 (Compared to 2023)
Principal Information 2024 (Compared to 2023) Net profit Revenue Fee Finance income ROE Efficiency Profitability growth growth growth growth Ratio and 9.2% 2,371 1.9% 6,746 3.4% 1,553 1.3% 5,172 19.7% 19.0% 43.5% 44.1% Efficiency Change 2024 Change 2024 Change 2024 Change 2024 2023 2024 2023 2024 Li
Slide 20: Principal information Q4.24 (compared to Q3.24 and Q4.23)
Principal information Q4.24 (compared to Q3.24 and Q4.23) Net profit ROE Revenue Finance Operating growth income income 14.8% (7.6)% 573 17.0% 19.4% 17.4% 8.0% (5.9)% 1,709 5.0% (10.4)% 1,271 15.9% 8.6% 430 Profitability Compared Compared Q4.24 Q4.23 Q3.24 Q4.24 Compared Compared Q4.24 Compared Comp
Slide 21: Quarterly ROE Over Time
Quarterly ROE Over Time 23.6% 19.4% 19.6% 21.3% 17.4% 631 18.7% 620 609 587 573 17.0% 569 16.0% 499 455 Q1.23 Q2.23 Q3.23 Q4.23 Q1.24 Q2.24 Q3.24 Q4.24 21
Slide 22: Thank You
FPIBI 333 sai orisnact A Thank You
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