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Israel Discount Bank (DSCT) investor relations material
Israel Discount Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary17 Nov, 2025
Executive summary
Achieved Q3 2025 net income of ILS 1.13 billion (NIS 1,133M), ROE 13.7%, and a cost-income ratio of 44%; adjusted net income for one-offs was ILS 1.25 billion.
Board approved a 50% payout of Q3 net income as dividends, with a gross dividend yield of 5%.
Loan growth reached 8.9% YoY, driven by corporate and small business lending.
Sale of CAL/ICC expected to add ILS 0.5bn to net income, boost ROE by 1.2%, and improve CET1 and cost-income ratio.
Maintained double-digit ROE and stable net income over two challenging years, highlighting resilience.
Financial highlights
Net interest income for Q3 2025 was NIS 2,653M, down 0.2% QoQ but up 0.8% YoY; total revenues up 1.0% YoY to NIS 3,520M.
Cost-income ratio improved to 44%; efficiency ratio at 44% in Q3.
Credit loss expenses at 28 bps in Q3, mainly due to two isolated corporate incidents; NPL ratio improved to 0.68%.
Fee income up 2.5% QoQ and 10.9% YoY.
Net credit to the public increased 7.2% to NIS 286.7 billion; total assets grew 6.7% since year-end 2024.
Outlook and guidance
2025 GDP expected to grow by 2.5%; 2026 GDP forecasted to rebound to 4.7%.
Plan to maintain a consistent 50% dividend payout ratio going forward.
Management focused on efficiency improvements, digital transformation, and operational improvements across subsidiaries.
CAL/ICC sale will provide additional resources for growth and improve key financial metrics.
Ongoing evaluation of capital deployment post-ICC sale.
ICC sale: What impacts contingent consideration?
War impact: How do macro factors influence allowance?
Efficiency: What is the impact of labor agreements?
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Next Israel Discount Bank earnings date
Q4 202512 Mar, 2026
Next Israel Discount Bank earnings date
Q4 202512 Mar, 2026
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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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