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Bank Leumi Le-Israel
Bank Leumi Le-Israel (LUMI) investor relations material
Bank Leumi Le-Israel Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary12 Aug, 2026
Executive summary
Q2 net income was NIS 2.832bn, up 8.5% YoY; excluding the NIS 293m bank levy, net income was NIS 3.13bn. ROE was 16.3%, or 17.9% excluding the levy.
H1 net income was NIS 5.178bn, up 3.3% YoY; excluding the levy, income rose 6.5%. H1 ROE was 14.9%.
Loans grew 9% in H1, with corporate credit up 14% YTD; deposits by the public rose 3.4% in Q2.
Financial highlights
Q2 net interest income was NIS 4.57bn, up 0.7% YoY; total revenue rose 10.1% to NIS 6.6bn, and non-interest income reached NIS 2.02bn, up 39.4%.
Pre-provision net revenue rose 13.4% YoY to NIS 5bn.
H1 operating and other expenses fell 3.7% to NIS 3.219bn; Q2 expenses were NIS 1.6bn, flat YoY.
Q2 loan-loss expenses were NIS 291m, up 30.5% YoY, or 0.20% of loans; H1 expenses were NIS 457m, up 64.4%.
Outlook and guidance
FY2026 net profit target was revised to NIS 9–11bn and ROE target to 13.75–15.25%; FY2027 targets are NIS 10.5–12.5bn net profit and 15–16.5% ROE.
2026 credit growth target is 8–10%, with potential upside from infrastructure investment; H1 growth had already reached 9%.
ROE and capital-return targets depend on regulatory restrictions and macroeconomic assumptions, including a 3.2–3.7% Bank of Israel rate and 1.8–2% inflation.
Exploring expansion in the U.S.; feasibility, timing and scope remain uncertain.
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Latest events from Bank Leumi Le-Israel
- Profit rose 20.1% as interest income growth offset market losses; the US merger closed after quarter-end.LUMI
Q1 2022 - Net income rose 28% as stronger interest income offset market and credit uncertainty.LUMIQ4 2022
- Higher interest income and the Valley gain lifted 9M profit as markets weakened and credit costs rose.LUMIQ3 2022
- Q2 earnings advanced as loan growth and the Valley gain offset market and credit pressures.LUMIQ2 2022
- Valley’s impairment outweighed stronger interest income, cutting Q1 net income to NIS 981 million.LUMIQ1 2023
- Q2 earnings strengthened, but H1 profit absorbed Valley impairment and rising credit costs.LUMIQ2 2023
- Property gains boosted Q1 profit as spread pressure and war risks persisted.LUMIQ1 2024
- War provisions rose as higher rates lifted NII; uncertainty cut dividends and paused buybacks.LUMIQ3 2023
- Q2 profit rose 15%, with 16.2% ROE, strong loan growth and a 50% payout.LUMIQ2 2025
- H1 earnings rose 47.2%, while Valley impairment and war uncertainty weighed on Q2 results.LUMIQ2 2024
Next Bank Leumi Le-Israel earnings date
Q3 202617 Nov, 2026
Bank Leumi Le-Israel
Next Bank Leumi Le-Israel earnings date
Q3 202617 Nov, 2026
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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.