Bank Leumi
Israel's Leading Bank
Driving Sustainable Growth. Maximizing ROE. Enhancing Efficiency by Technology
Our Strategy
Leumi Group focuses on generating sustainable growth while maintaining high profitability and continuously improving asset quality. Our strategy is built on three core pillars: maximizing ROE through focus on high-return activities; maintaining industry-leading efficiency enabled by modernization, automation, and digital end-to-end processes; and driving long-term growth through targeted expansion in strategic customer segments, deeper engagement with existing customers, and a continuous focus on improving the customer experience
Technology enables us to scale faster, operate more efficiently without increasing risk
Bank Leumi
Key Takeaways on Q3 2025
ROE
ROE remained strong at 16.3% in Q3. Adjusted for excess capital (the bank's internal CET1 target of 10.6%*) , it would reach 19%, reflecting resilient profitability.
* as of 30.9.2025
Credit Growth and Quality
Credit grew 8.8% over nine months to NIS 495B, focused on priority segments and delivered without an increase in risk profile- NPLs declined to 0.41%
Efficiency
Technology and AI continue to drive performance. Cost-income ratio stood at 27% in Q3, positioning the bank among the most efficient globally
Solid Capital
The core tier 1 ratio increased by 5 basis points in the quarter to 12.33% with the bank's capital buffer now standing at more than 2% or NIS 11 Bn.
Financial Reports Q3 2025
Press Release
18 November 2025
Bank Leumi concludes Q3 2025 with an 18% increase in the net income, totaling NIS 2.7 billion ($817 million); ROE – 16.3%; Total dividend - NIS 2 billion ($605 million), 75% of the net income13 August 2025
Bank Leumi concludes Q2 2025 with strong results: Net income of approx. NIS 2.6 billion ($774 million) and ROE of 16.2%; Distribution of a 50% dividend20 May 2025
Consistent with the strategic plan presented at the beginning of the year: Leumi continues to show high double-digit returns - and a net income of NIS 2.4 billion ($646 million) in the first quarter of 202504 March 2025
Bank Leumi reports a 40% increase in the net income for 2024, which amounted to NIS 9.8 billion ($2.7 billion); ROE – 17%; Capital return in 2024 totals approx. NIS 4 billion ($1.1 billion)19 November 2024
Bank Leumi reports a 30% increase in the net income for Q3 2024, which amounted to NIS 2.3 billion ($620 million)14 August 2024
Bank Leumi concludes Q2 2024 with a net income of approx. NIS 2.3 billion ($612 million) and ROE of approx. 16%Bank Leumi Le-Israel B.M.
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