First International Bank Of Israel Ltd · TASE:FIBI

First International Bank Of Israel — The First International Bank of Israel — Q2 2026 Earnings Presentation

15 slides from First International Bank Of Israel's earnings presentation

  1. Slide 1: Financial Results Quarterly Review Q2-2026

    FINANCIAL RESULTS Quarterly Review Q2-2026 1 FINANCIAL RESULTS Q2-2026

  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 the

  3. Slide 3: Key Highlights from the Financial Statements

    Key Highlights from the Financial Statements Net Profit Growth Credit Portfolio Quality Dividend NIS 583 Millions Credit Growth exceeded Reduced Problematic credit Dividend yield stood at to representing a 20% YoY and reached risk by approximately 25% 6.1% as of June 30 , 2026 21% growth QoQ 5.9% gr

  4. Slide 4: ROE and Growth over time

    ROE and Growth over time | NIS Millions Quarterly Half Yearly ROE excluding a special tax levy 18.3% 17.8% 17.1% 16.2% ROE excluding a 16.2% special tax levy 15.7% 16.0% *14.5% 14.1% 13.2% 1,167 1,063 637 581 583 530 512 480 Q1.25 Q2.25 Q3.25 Q4.25 Q1.26 Q2.26 H1 25 H1 26 * ROE excluding both excess

  5. Slide 5: Dividend Distribution

    Dividend Distribution | NIS Millions Yearly Distribution / Dividend Yield Quarterly Distribution Dividend Top-up as a part of Additional phased dividend distribution Dividend outline 6.8% 6.3% 5.6% 6.1% 6.1% 558 FIBI 5.3% 521 266 4 Major 5.3% 5.6% Banks 266 5.0% 436 4.4% 4.5% 1,195 144 2.7% 945 989

  6. Slide 6: Continuous Financial Strength

    Continuous Financial Strength Tier 1 Capital Ratio Comprehensive Capital to Risk Assets Ratio 13.68% 13.05% 11.54% Gap above the 1.18% regulatory 0.55% Gap above the 10.87% requirement regulatory 2.31% requirement 1.63% 30.6.25 30.6.26 30.6.25 30.6.26 Liquidity Coverage Ratio 134% 127% Gap above the

  7. Slide 7: Income Over Time

    Income Over Time Total Income before Provision for Credit Losses | NIS Millions -4.2% -2.8% 3,509 3,411 7.0% 1,841 1,828 1,763 1,585 1,648 Q2.25 Q3.25 Q4.25 Q1.26 Q2.26 H1.25 H1.26 4.50% 4.50% 4.40% 4.02% 3.91% 4.50% 3.96% BOI rate average 4.50% 4.46% 4.02% 3.75% 3.75% 4.50% 3.75% FED rate average 3

  8. Slide 8: Operating Expenses over time

    Operating Expenses over time Operating Expenses 2.4% -0.2% 793 798 807 814 812 Q2.25 Q3.25 Q4.25 Q1.26 Q2.26 Efficiency Ratio in Q2.26 stood at 46.1% 8 FINANCIAL RESULTS Q2-2026

  9. Slide 9: Provision for Credit Losses and Credit Quality Indices

    Provision for Credit Losses and Credit Quality Indices NPL Provision for Credit Losses Ratio of non-accrual debts or debts 90 days past due or more to credit to the public -0.05% 0.05% 0.08% 0.00% -0.10% 0.46% 0.08% 0.40% 0.05% 0.03% 0.01% 0.00% 0.00% Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 -0.03% -0.03% 30.6

  10. Slide 10: Accelerated Credit Growth

    Accelerated Credit Growth Credit Portfolio June 30th 2026 Growth in Credit to the Public | NIS Billions Average annual growth 15.1% 37.7% 20.1% 41% 5.9% Large Businesses 15% 164.2 Incl. Institutions 155.1 Private 148.0 Customers 131.1 133.7 7% 40% 119.2 Midsize Retail Businesses 25% 12% Housing Smal

  11. Slide 11: Credit Portfolio by Segment, End of Period

    Credit Portfolio by Segment, End of Period | NIS Billions Small & Micro Businesses Housing Loans Private Customers 2.1% 8.8% 5.2% 40.9 19.4 40.0 24.3 19.0 39.0 23.9 37.6 23.7 18.7 18.6 23.1 30.6.25 31.12.25 31.3.26 30.6.26 30.6.25 31.12.25 31.3.26 30.6.26 30.6.25 31.12.25 31.3.26 30.6.26 Large Busin

  12. Slide 12: AUM Growth Over Time

    AUM Growth Over Time AUM Growth | NIS Billions Market share of Assets Under Management (AUM) Average annual growth 33.0% 16.7% 16.5% 14.3% 13.2% 11.9% 82.6% 20.8% 4.6% 1,173 1,227 1,161 1,015 838 2022 2023 2024 2025 3.2026 672 922 941 976 790 Deposits Portfolio June 30th 2026 623 481 191 215 225 239

  13. Slide 13: AUM by Segment, End of Period

    AUM by Segment, End of Period | NIS Billions Midsize Businesses Small & Micro Businesses Private Customers 3.6% 8.7% 21.3% 179 186 188 194 15 58 61 61 60 13 14 14 96 106 108 115 6 7 7 9 34 36 36 35 6 7 7 7 24 25 25 25 83 80 80 79 30.6.25 31.12.25 31.3.26 30.6.26 30.6.25 31.12.25 31.3.26 30.6.26 30.6

  14. Slide 14: Conservative Proprietary Portfolio and Capital Growth

    Conservative Proprietary Portfolio and Capital Growth Portfolio as of June 30th 2026 Equity Attributable to Shareholders 8% Bank Bonds Balance 294.0 272.6 262.5 8% 59% Stocks & Corporate 14.9 Bonds Israel Government Bonds 14.5 14.3 Equity attributable to shareholders 25% the bank US Government Bonds

  15. Slide 15: Thank You

    Thank You 15 FINANCIAL RESULTS Q2-2026

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