First International Bank Of Israel Ltd · TASE:FIBI
First International Bank Of Israel — The First International Bank of Israel — Q3 2025 Earnings Presentation
18 slides from First International Bank Of Israel's earnings presentation, 2025
Slide 1: Financial Results Quarterly Review Q3-2025
The document can be viewed on the International Bank website FINANCIAL RESULTS Quarterly Review Q3-2025 O
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 Net Profit and Increased Growth Credit portfolio quality Dividend and Capital Efficiency AUM above 1 trillion NIS Low and decreasing NPL – stood at Dividend payout 0.46% in the third quarter vs. 0.57% in ratio – 50% (NIS 436 Millions) from Profits reached
Slide 4: Growth, Profitability and Financial Stability
Growth, Profitability and Financial Stability Q3.2025 Q1-Q3.2025 YoY ROE 16.2% 16.9% Credit loss expense (income) ratio 0.05% (0.01%) Efficiency ratio 43.7% 44.7% Credit growth (total credit amounts to NIS 141 billion - $ 43 billion) 3.4% 7.9% 11.9% Deposit growth (10.3% annual growth) 3.5% 8.5% 9.4
Slide 5: ROE and Profit over time (in NIS Millions)
ROE and Profit over time (in NIS Millions) Quarterly 1-9.2025 19.4% 17.4% 15.7% 18.3% 16.2% 19.4% 16.9% 637 1,798 620 1,748 573 581 530 Q3.24 Q4.24 Q1.25 Q2.25 Q3.25 1-9.24 1-9.25 5
Slide 6: Continuous Financial Strength
Continuous Financial Strength Tier 1 Capital Ratio Total overall capital to risk assets ratio 13.48% 13.68% 13.53% 11.54% 11.39% Gap above the 11.31% 1.18% 1.03% regulatory 0.98% 2.08% 2.31% 2.16% requirement Q1.25 Q2.25 Q3.25 Q1.25 Q2.25 Q3.25 Liquidity Coverage Ratio 146% 134% 46% 131% 34% 31% Q1.
Slide 7: Principal Income Statement Information
Principal Income Statement Information Financial 23 Total Income Earnings 3,455 3,484 Before Provision for from Current 1,171 1,167 1,154 1,182 1,148 Credit Losses Activity Excl. CPI (NIS millions) 5,037 5,337 (NIS millions) 1,817 1,709 1,841 1,828 1,668 Q3.24 Q4.24 Q1.25 Q2.25 Q3.25 1-9.24 1-9.25 B
Slide 8: Provision for Credit losses and Credit Quality Indices
Provision for Credit losses and Credit Quality Indices Provision for credit losses Ratio of provision for credit losses 1.41% 1.38% 1.36% 1.33% 1.29% to credit to the 0.07% 0.11% (0.03%) (0.05%) 0.05% public 0.13% 0.08% 0.07% Q3.24 Q4.24 Q1.25 Q2.25 Q3.25 0.05% 0.01% 0.00% NPL* 0.57% 0.53% (0.01%) 0
Slide 9: Operating Expenses & Efficiency
Operating Expenses & Efficiency Quarterly 1-9.25 Operating Expenses 2,383 777 792 793 798 2,240 737 Q3.24 Q4.24 Q1.25 Q2.25 Q3.25 1-9.24 1-9.25 Efficiency Ratio 47.5% 42.8% 43.1% 43.1% 43.7% 44.5% 44.7% Q3.24 Q4.24 Q1.25 Q2.25 Q3.25 1-9.24 1-9.25 9
Slide 10: Continuous Credit Growth
Continuous Credit Growth $43B 137 141 134 Growth in 117 119 126 131 Credit to the 102 Public (NIS Billions) 31.12.21 31.12.22 31.12.23 30.9.24 31.12.24 31.3.25 30.6.25 30.9.25 Private Customers 17% Large Businesses (Incl. Instittions) 37% Credit Portfolio Private customers Sept. 30th 2025 Housing Lo
Slide 11: Credit Portfolio by Segment, end of period (NIS Billions)
Credit Portfolio by Segment, end of period (NIS Billions) Small & Micro Housing Private Businesses Loans Customers 37.6 38.5 36.2 36.4 18.3 18.2 18.6 18.7 23.9 23.2 23.3 23.1 30.9.24 31.12.24 30.6.25 30.9.25 30.9.24 31.12.24 30.6.25 30.9.25 30.9.24 31.12.24 30.6.25 30.9.25 Large Businesses Midsize (
Slide 12: AUM Growth Over Time
*AUM Growth Over Time 1,074 $325B 1,015 937 799 838 AUM 672 601 Growth 560 716 790 841 586 623 (NIS Billions) 448 392 481 Securities 153 168 191 213 215 221 225 233 Deposits 2021 2022 2023 30.9.24 2024 31.3.25 30.6.25 30.09.25 Private Customers 34% Deposits Financial Institutions 41% Portfolio 45% S
Slide 13: AUM end of period (NIS Billions)
AUM end of period (NIS Billions) Midsize Small & Micro Private Customers Businesses businesses 179 185 169 171 83 87 96 102 58 61 12 13 13 14 54 54 6 6 6 7 28 27 33 36 86 85 83 82 6 7 6 6 26 27 24 25 30.9.24 31.12.24 30.6.25 30.9.25 30.9.24 31.12.24 30.6.25 30.9.25 30.9.24 31.12.24 30.6.25 30.9.25 F
Slide 14: Capital Growth (in NIS Billions) Proprietary Portfolio
Capital Growth (in NIS Billions) Proprietary Portfolio Equity Attributable to shareholders Portfolio As of Sept. 30th 2025 Balance Stocks & Corporate Bonds, 4% Equity Attributable to shareholders the Bank Bank Bonds, 7% 269.5 248.6 221.6 13.4 14.5 12.1 US Government Bonds, 30% Israel Government Bond
Slide 15: Dividend Distribution (NIS Millions) Dividend Yield
Dividend Distribution (NIS Millions) Dividend Yield 6.3% 5.6% * 4.9% 436 989 319 798 759 244 248 228 212 Profit distribution ratio allocated with 40% 40% 40% 40% 50% respect to previous quarter profits Q3.24 Q4.24 Q1.25 Q2.25 Q3.25 Q4.25 2023 2024 30.9.25 *The Bank’s board approved a distribution of
Slide 16: Innovations and Launches
Innovations and Launches
Slide 17: Digital launches and updates during Q3 of 2025
Digital launches and updates during Q3 of 2025 New New New xomepage Launch Customized Deposit Enhanced User Experience A new Wizard enabling the Personalized Navigation menu comparison of deposits and and mobile responsive design focusing customers on finding with focus on Multi-banking & the most s
Slide 18: Thank You
FBI 333 caer Thank You
The First International Bank of Israel — Q3 2025 Earnings Presentation on 6ix