69.87
RevenueILS M
153.2
156.6
160.0
166.6
170.7
178.9
179.9
183.5
187.8
192.0
77.95
2.39%
2.63%
24
27.15
Revenue growth%
31.48
32.23
32.07
33.31
31.51
29.55
27.37
27.00
27.41
24.74
14.18
27.37
30.51
6
14.21
NIM%
19.59
17.97
15.65
15.06
17.08
16.36
16.39
18.23
19.47
20.34
9.55
18.23
17.53
31
18.60
Effic. R.%
3.31
2.67
0.40
0.40
0.71
1.91
2.74
0.91
2.62
2.01
21.33
2.01
1.96
76
7.92
Net margin%
10.91
12.45
14.81
14.71
15.06
17.44
15.98
15.09
13.40
12.19
26.42
15.09
14.76
23
28.58
P/E ratio (avg)x
16.65
18.13
18.99
21.81
21.11
22.03
25.10
26.56
30.25
31.75
28.28
26.56
21.92
91
37.95
P/TBVx
8.983
10.13
10.93
11.29
12.91
14.86
14.03
15.25
15.86
15.02
30.23
15.02
13.47
42
7.143
P/Bx
27.61
26.57
26.03
27.13
25.78
23.50
21.58
21.04
22.54
25.38
16.13
22.54
25.58
16
27.65
NIIILS M
104.9
107.5
108.3
115.6
116.7
123.5
123.0
127.2
129.8
130.8
149.6
2.30%
2.64%
—
27.76
NII grth%
30.71
30.87
31.95
30.85
30.72
29.13
31.12
29.29
27.40
27.07
11.52
29.13
30.72
91
26.18
ROTE%
9.09
9.79
9.00
11.91
14.21
17.09
19.88
18.10
20.35
22.05
10.07
19.88
15.65
55
27.12
Return on equity%
24.35
23.66
26.19
26.81
28.96
29.62
26.81
24.81
25.50
26.58
4.80
26.58
26.39
56
13.74
Return on assets%
15.47
16.88
14.14
12.32
9.52
9.44
6.94
7.89
8.11
6.64
28.22
7.89
9.48
59
1.44
EPSILS
5.36
5.65
5.68
5.33
5.37
4.91
4.72
4.54
4.63
4.47
1.59
(3.59%)
(1.74%)
—
20.96
EPS growth%
6.09
3.24
5.48
4.09
6.19
8.50
8.36
9.08
11.11
13.22
29.95
9.08
7.27
34
2.94
Bookvalue per shILS
6.03
6.43
7.61
9.02
10.91
10.88
10.60
10.72
10.57
10.88
2.70
(0.06%)
7.71%
—
5.41
TBV/shILS
3.19
3.31
3.54
3.35
3.29
3.54
3.18
2.95
3.11
3.36
4.25
0.43%
(0.91%)
—
4.49
Dividend per shILS
3.28
3.38
3.01
3.00
2.82
3.11
2.83
2.71
2.82
2.66
2.19
(1.15%)
(2.88%)
—
5.29
Div yield (avg)%
16.54
13.74
16.39
18.10
17.36
17.58
19.12
20.10
18.27
17.98
14.63
18.27
17.78
48
14.10
Payout ratio%
12.81
15.32
17.49
15.75
17.53
17.67
14.79
16.53
14.04
13.99
18.82
14.79
15.53
48
10.96
Shares (diluted)M
13.01
12.74
11.94
13.17
11.74
12.60
12.45
13.18
13.36
14.01
11.61
3.60%
1.61%
61
5.48
Buyback yield%
20.30
23.19
21.60
22.38
21.40
22.26
22.32
20.27
19.81
20.03
5.33
20.27
21.50
29
91.74
Eq/Assets%
110.97
115.34
124.04
140.40
156.64
164.11
169.63
167.37
191.03
210.49
52.41
169.63
160.38
80
134.5
AssetsILS M
376.7
392.0
430.3
460.7
487.7
532.7
577.2
627.0
662.3
718.6
106.8
8.06%
7.89%
82
163.4
LT debtILS M
92.96
88.17
86.70
83.90
74.56
79.13
85.18
91.85
87.91
96.30
151.7
5.25%
1.31%
53
Total assets
ILS 718.6M
7.89%
1.65×
Revenue
ILS 192.0M
2.63%
1.00×
Non-interest expense
ILS 110.3M
2.29%
0.97×
Net interest income
68.12%
Non-interest income
31.88%