Bank Leumi Le-israel B.m. · TASE:LUMI

Bank Leumi Le-israel B.m — Q1 2021 Earnings Presentation

14 slides from Bank Leumi Le-israel B.m's earnings presentation, 2021

  1. Slide 1: Q1 2021 Financial Results Presentation

    Q1 2021 FINANCIAL RESULTS PRESENTATION

  2. Slide 2: Disclaimer

    The conference call does not replace the need to review the latest periodic/quarterly reports in which full information is contained, including forward looking information, as defined in the Israeli Securities Law, and set out in the aforementioned reports. DISCLAIMER This document and the informati

  3. Slide 3: Israel Leading Global Vaccination Efforts

    Israel Leading Global Vaccination Efforts Share of Population Fully Vaccinated Relatively Low Impact of COVID-19 in Israel COVID-19 – Economy is fully open, almost like pre- COVID in all areas. Israel is leading global vaccination rates per capita. • Below 1,000 (May 25) active cases, down from peak

  4. Slide 4: COVID-19, Macroeconomic Factors and Indicators

    COVID-19, Macroeconomic Factors and Indicators Resilient Recovery of COVID-19 in Israel GDP, Rate of Change, Real Terms Annualized Terms 6.3% 3.8% GDP in Q1 2021 was just 2.3% lower than in Q4 2019 3.6% 3.5% 3.5% (2.6%) (6.5%) 2016 2017 2018 2019 2020 Q1 2020 F2021* Broad Unemployment**, Age Group 1

  5. Slide 5: Q1 2020 vs. Q1 2021 – Key Metrics

    Q1 2020 vs. Q1 2021 – Key Metrics Finance Income Efficiency Ratio 84.4% 2,789 1,509 2,348 74.7% 2,169 8.3% CPI (0.5%) CPI 0.1% 49.4% NIM 2.1% NIM 1.9% 441 (660) Q1 2020 Q1 2021 Q1 2020 Q1 2021 Net Interest Income Non-interest Finance Income Loan Loss Expenses ROE 1.20% 15.0% 860 (0.28%) (212) (2.6%)

  6. Slide 6: Q1 2020 to Q1 2021 – Key Metrics Development

    Q1 2020 to Q1 2021 – Key Metrics Development Finance Income and NIM Efficiency Ratio 2.1% 1.8% 1.9% 1.9% 1.9% NIM 74.7% 2,216 2,217 2,348 2,169 2,121 46.3% 50.4% 50.7% 49.4% 690 457 539 441 (660) Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Net Interest Income Non-

  7. Slide 7: Monitoring our Loan Portfolio in Light of COVID-19

    Monitoring our Loan Portfolio in Light of COVID-19 Loan Loss Expenses – Q4 2019 through Q1 2021 Troubled Balance-sheet Credit Risk, Net and NPL Ratio 1.20% 1.19% 0.76% 756 700 0.37% 557 1.50% 0.22% 1.15% 1.02% NPL 0.75% 0.74% 0.78% 0.81% 1.00% Ratio 116 104 175 395 (0.28%) Collective 0.50% 42 (10) (

  8. Slide 8: Fees and Commissions Performance Year-over-Year

    Fees and Commissions Performance Year-over-Year 2.8% 893 868 219 198 165 172 151 157 150 145 137 98 85 84 Q1 Q1 Securities Financing Account Exchange Credit Cards Other Fees 2020 2021 Transactions Transactions Management Differentials Q1 2020 Q1 2021 (NIS Millions) 8

  9. Slide 9: Q1 Expenses and Efficiency Ratio

    Q1 Expenses and Efficiency Ratio Expenses Improved Efficiency Ratio 2.0% 1,803 1,839 Total Salary & 935 1,078 74.7% Related Expenses 15.3% Maintenance & 868 49.4% Depreciation Expenses 761 and Others 12.3% Q1 2020 Q1 2021 Q1 2020 Q1 2021 (NIS Millions) 9

  10. Slide 10: Loan Growth Continues in Line with Strategy

    Loan Growth Continues in Line with Strategy Total Middle-Market 4.1% 4.8% 307.6 295.3 46.8 44.6 Q4 2020 Q1 2021 Q4 2020 Q1 2021 Mortgages Corporate 2.2% 9.6% 93.3 77.8 91.3 70.9 Q4 2020 Q1 2021 Q4 2020 Q1 2021 (NIS Billions) Corporate includes Corporate and Real-Estate 10

  11. Slide 11: Solid and Diverse Deposit Base. Conservative, Well-funded Portfolio

    Solid and Diverse Deposit Base. Conservative, Well-funded Portfolio 500.0 200% 460 447 450.0 Deposits from the Public March 31, 2021 400.0 374 363 365 347 350.0 329 Retail 303 6% 286 Small Businesses ‫כותרת ציר‬ 300.0 19% 100% 250.0 84% 40% Commerical 66% 67% Corporate & Real 200.0 8% Estate Capital

  12. Slide 12: Solid Capital and Leverage Ratios

    Solid Capital and Leverage Ratios CET1 Total Capital Ratio Minimum internal Minimum regulatory threshold: 9.50% requirement: 12.75% 11.43% 11.88% 11.87% 11.73% 15.67% 15.58% 9.58% 14.99% 14.73% 13.74% 10.25% 10.27% 9.10% 9.23% 9.21% 13.75% 13.77% 12.60% 12.73% 12.71% 2015 2017 2019 2020 Q1 2021* 201

  13. Slide 13: Q&A

    Q&A

  14. Slide 14: Thank You

    THANK YOU

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