financial reports 3rd quarter 2023

Net profit in the third quarter of 2023: NIS 1,098 million
Compared to NIS 1,178 million in the corresponding period last year
6.8% decrease

Return on equity in the third quarter of 2023: 16.8%
Compared to 20.8% in the corresponding period last year

Financing revenues from current operations in the third quarter: NIS 2,937 million
Compared to NIS 2,626 million in the third quarter of 2022
11.8% increase

Expenses with respect to credit losses in the third quarter:
NIS 694 million
Compared to NIS 155 million in the corresponding period last year
and NIS 247 million in the second quarter of 2023

Cost-Income Ratio in the third quarter: 36.6%

Dividend distribution of NIS 164.7 million - 15% of third quarter profit

Further Information

​​Press Release (PDF)

Financial Reports​ (PDF)

Risk Management Report​​​​​​​​ (PDF)

Key Features of Equity Instruments​​​​​ ​(PDF)

Analyst Presentation​​​​​​​ (PDF)

Conference Call (15.59 min.)