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Investor Relations14 Oct 2025
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Israel Discount Bank (DSCT) investor relations material
Israel Discount Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary14 Aug, 2025
Executive summary
Achieved net income of NIS 1.12B in Q2 2025, with ROE at 13.6% and efficiency ratio at 46.1%; banking in Israel segment posted NIS 1.1B net income and 18.1% ROE.
Strong credit growth of 1.9% QoQ (8.8% YoY), with banking in Israel up 3.6% QoQ, led by corporate, SME, and mortgage segments.
Implemented a new collective labor agreement, enhancing flexibility and reducing costs by 30% compared to the previous agreement.
Dividend payout raised to 50% of net profit, the highest in history, and share buyback of 10% of net profit announced.
CAL was classified as a discontinued operation and held for sale.
Financial highlights
Net interest income grew 10% QoQ, supported by high CPI impact (NIS 277M), and fee income rose 1.5% QoQ.
Cost-income ratio improved to 46.1% from 48.8% in Q1 2025.
Total revenues increased 7.4% QoQ and 4.1% YoY; net income attributable to shareholders up 7.6% QoQ and 6.7% YoY.
Adjusted net income for Q2 2025 was NIS 1.27B, reflecting one-time VAT court provision related to CAL.
Total assets reached NIS 461B, with deposits from the public at NIS 339B.
Outlook and guidance
GDP growth expected to rebound in 2025 and accelerate in 2026 after war-related slowdown in 2024.
Bank of Israel expected to reduce rates gradually; inflation projected to converge within target range.
Management raised dividend distribution to 50% of net profit, reflecting confidence in ongoing performance.
Forward-looking statements caution that future results may differ due to external and operational risks.
How did raising dividend payout impact distribution?
What drove Banking in Israel's strong performance?
What risks impact forward-looking information?
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Next Israel Discount Bank earnings date
Q3 202517 Nov, 2025
Next Israel Discount Bank earnings date
Q3 202517 Nov, 2025
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Frequently asked questions
Israel Discount Bank Limited is a banking institution based in Israel. It provides comprehensive corporate and retail banking solutions, including personal banking, business banking, and private banking services through its vast network of branches and digital platforms. The company is headquartered in Tel Aviv, Israel, and its shares are listed on the Tel Aviv Stock Exchange.
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