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Visual24 Oct 2025
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Bank Leumi Le-Israel B.M. (LUMI) investor relations material
Bank Leumi Le-Israel B.M. Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary13 Aug, 2025
Executive summary
Net income for Q2 2025 reached NIS 2.6 billion, a 15% increase year-over-year, with ROE at 16.2% and strong profitability.
Maintained a best-in-class cost-income (efficiency) ratio of 26.9%, among the best globally.
Dividend payout increased to 50% of net income, totaling NIS 1.3 billion, split between cash and share buyback.
Continued growth in net loans and a diversified deposit base, with robust credit quality and low NPLs.
Shareholders' equity increased 12.2% year-over-year to NIS 65.5 billion.
Financial highlights
Q2 2025 net income was NIS 2,610 million; H1 2025 net income reached NIS 5,013 million.
Net interest income for Q2 2025 was NIS 4,540 million, up 3.7% year-over-year; NIM at 2.53%.
Non-interest income rose 5.9% to NIS 1,446 million compared to Q2 2024.
Net loan growth was 5.7% quarter-over-quarter and 8.6% year-over-year.
Loan loss expenses increased to NIS 223 million in Q2 2025.
Outlook and guidance
Economic recovery in Israel expected to continue through 2025-26, with strong labor market and moderate government debt increase.
Targeting a minimum 50% payout ratio for 2025-26, subject to regulatory approval.
Focus on responsible growth in corporate, commercial, and mortgage segments.
Continued commitment to maintaining high loan portfolio quality and low NPL ratio.
Explain Leumi's initiatives due to the war.
How did corporate credit change YoY?
What drove the decrease in non-interest income?
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Next Bank Leumi Le-Israel B.M. earnings date
Q3 202518 Nov, 2025
Next Bank Leumi Le-Israel B.M. earnings date
Q3 202518 Nov, 2025
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Frequently asked questions
Bank Leumi Le-Israel B.M., more commonly known as Bank Leumi, is an established Israeli bank offering a comprehensive range of personal, business, and private banking solutions. Bank Leumi's product portfolio encompasses deposits, loans, pension savings, credit cards, and foreign currency accounts, among others. The bank also provides private banking, online banking, international finance and trade, asset and liability management, and clearing services. Additionally, it offers underwriting, trust and custody services, brokerage, forex trading, mobile banking, and advisory services. The company is headquartered in Tel Aviv, Israel, and its shares are listed on the Tel Aviv Stock Exchange.
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