Bank Leumi concludes Q2 2025 with strong results: Net income of approx. NIS 2.6 billion ($774 million) and ROE of 16.2%; Distribution of a 50% dividend
Bank Leumi (OTC:BLMIF) reported strong Q2 2025 results with net income of NIS 2.6 billion ($774 million), representing a 15% increase year-over-year. The bank achieved a return on equity of 16.2% and maintained an impressive efficiency ratio of 26.9%. Key highlights include a 50% dividend distribution totaling NIS 1.3 billion ($386 million), comprising NIS 979 million in cash and NIS 326 million in share buybacks.
The bank demonstrated solid growth with a 5.7% increase in loan portfolio and 7.7% growth in public deposits during Q2. Loan quality remained exceptional with an NPL ratio of just 0.43%. Financial indicators remained robust with a Tier 1 capital ratio of 12.3% and liquidity coverage ratio of 130%. The bank also implemented various relief initiatives during Operation "Rising Lion" at an estimated cost of NIS 85 million.
Bank Leumi (OTC:BLMIF) ha registrato solidi risultati nel 2掳 trimestre 2025 con utile netto di 2,6 miliardi di NIS (774 milioni di $), pari a un aumento del 15% su base annua. La banca ha raggiunto un rendimento del capitale (ROE) del 16,2% e ha mantenuto un'impressionante incidenza dei costi del 26,9%. Tra i punti salienti vi 猫 una distribuzione di dividendi del 50% per un totale di 1,3 miliardi di NIS (386 milioni di $), comprensivi di 979 milioni di NIS in contanti e 326 milioni di NIS in riacquisti di azioni.
La banca ha mostrato una crescita solida con un aumento del portafoglio crediti del 5,7% e una crescita dei depositi pubblici del 7,7% nel trimestre. La qualit脿 dei prestiti 猫 rimasta eccellente con un rapporto di crediti deteriorati (NPL) di appena lo 0,43%. Gli indicatori patrimoniali sono risultati robusti con un coefficiente Tier 1 del 12,3% e un Liquidity Coverage Ratio del 130%. La banca ha inoltre attuato varie misure di sollievo durante l'Operazione "Rising Lion" con un costo stimato di 85 milioni di NIS.
Bank Leumi (OTC:BLMIF) present贸 s贸lidos resultados en el 2T de 2025 con un beneficio neto de 2,6 mil millones de NIS (774 millones de $), lo que supone un aumento del 15% interanual. El banco logr贸 una rentabilidad sobre recursos propios del 16,2% y mantuvo una destacada ratio de eficiencia del 26,9%. Entre los puntos clave figura una distribuci贸n de dividendos del 50% por un total de 1,3 mil millones de NIS (386 millones de $), que incluye 979 millones de NIS en efectivo y 326 millones de NIS en recompras de acciones.
La entidad mostr贸 un crecimiento s贸lido con un aumento del 5,7% en la cartera de pr茅stamos y un crecimiento del 7,7% en los dep贸sitos p煤blicos durante el trimestre. La calidad crediticia se mantuvo excepcional con una ratio de NPL de solo el 0,43%. Los indicadores financieros se mantuvieron robustos, con un ratio de capital Tier 1 del 12,3% y un ratio de cobertura de liquidez del 130%. El banco tambi茅n implement贸 diversas iniciativas de alivio durante la Operaci贸n "Rising Lion", por un coste estimado de 85 millones de NIS.
Bank Leumi (OTC:BLMIF)電� 2025雲� 2攵勱赴鞐� 靾滌澊鞚� NIS 2.6 billion ($774 million)鞚� 旮半頃� 鞝勲厔 霃欔赴 雽�牍� 15% 歃濌皜頃� 瓴“頃� 鞁れ爜鞚� 氚滍憸頄堨姷雼堧嫟. 鞚�頄夓潃 鞛愱赴鞛愲掣鞚挫澋毳�(ROE) 16.2%毳� 雼劚頄堨溂氅� 須湪靹� 牍勳湪 26.9%毳� 鞙犾頄堨姷雼堧嫟. 欤检殧 雮挫毄鞙茧電� 齑濎暋 NIS 1.3 billion ($386 million)鞐� 雼晿電� 50% 氚半嫻 歆�旮夓澊 鞛堨溂氅�, 鞚� 欷� NIS 979 million鞚� 順勱笀, NIS 326 million鞚� 鞛愳偓欤� 毵れ瀰鞙茧 甑劚霅╇媹雼�.
鞚�頄夓潃 2攵勱赴 霃欖晥 雽�於� 韽姼韽措Μ鞓� 5.7% 歃濌皜鞕赌 瓿店车 鞓堦笀 7.7% 歃濌皜搿� 瓴嫟頃� 靹膘灔鞚� 氤挫榾鞀惦媹雼�. 雽�於� 瓯挫爠靹膘潃 攵�鞁れ眲甓� 牍勳湪(NPL)鞚� 雼 0.43%搿� 毵れ毎 鞏戫樃頄堨姷雼堧嫟. 鞛 歆�響滊弰 瓴碃頃� Tier 1 鞛愲掣牍勳湪 12.3%鞕赌 鞙犽彊靹� 旎る矂毽 牍勳湪(LCR) 130%毳� 旮半頄堨姷雼堧嫟. 霕愴暅 鞚�頄夓潃 鞛戩爠 旮瓣皠 霃欖晥 雼れ枒頃� 歆�鞗� 臁办箻毳� 鞁滍枆頄堨溂氅�, 鞚措 鞚疙暅 於旍爼 牍勳毄鞚� NIS 85 million鞛呺媹雼�. (Operation "Rising Lion")
Bank Leumi (OTC:BLMIF) a publi茅 de solides r茅sultats pour le 2e trimestre 2025 avec un b茅n茅fice net de NIS 2,6 milliards (774 millions $), soit une hausse de 15% en glissement annuel. La banque a atteint un rendement des capitaux propres (ROE) de 16,2% et a maintenu un ratio d'efficacit茅 remarquable de 26,9%. Les faits marquants incluent une distribution de dividendes de 50% totalisant NIS 1,3 milliard (386 millions $), comprenant NIS 979 millions en num茅raire et NIS 326 millions en rachats d'actions.
La banque a affich茅 une croissance soutenue avec une augmentation de 5,7% du portefeuille de pr锚ts et une croissance de 7,7% des d茅p么ts publics au cours du trimestre. La qualit茅 des pr锚ts est rest茅e exceptionnelle, avec un ratio de NPL de seulement 0,43%. Les indicateurs financiers sont rest茅s robustes, avec un ratio de fonds propres Tier 1 de 12,3% et un ratio de couverture de liquidit茅 de 130%. La banque a 茅galement mis en place diverses mesures de soutien pendant l'op茅ration "Rising Lion", pour un co没t estim茅 脿 NIS 85 millions.
Bank Leumi (OTC:BLMIF) meldete starke Ergebnisse f眉r das 2. Quartal 2025 mit einem Nettogewinn von NIS 2,6 Milliarden (774 Millionen $), was einem Anstieg von 15% gegen眉ber dem Vorjahr entspricht. Die Bank erzielte eine Eigenkapitalrendite von 16,2% und hielt eine beeindruckende Effizienzquote von 26,9% aufrecht. Zu den Highlights z盲hlt eine Dividendenverteilung von 50% in H枚he von NIS 1,3 Milliarden (386 Millionen $), bestehend aus NIS 979 Millionen in bar und NIS 326 Millionen durch Aktienr眉ckk盲ufe.
Die Bank zeigte solides Wachstum mit einer 5,7%igen Zunahme des Kreditportfolios und einem 7,7%igen Anstieg der 枚ffentlichen Einlagen im Quartal. Die Kreditqualit盲t blieb hervorragend mit einer NPL-Quote von nur 0,43%. Die Finanzkennzahlen blieben robust mit einer Tier-1-Kapitalquote von 12,3% und einer Liquidity Coverage Ratio von 130%. Die Bank setzte zudem verschiedene Entlastungsma脽nahmen w盲hrend der Operation "Rising Lion" um; die gesch盲tzten Kosten beliefen sich auf NIS 85 Millionen.
- Net income increased 15% YoY to NIS 2.6 billion ($774 million)
- Strong ROE of 16.2%, up from 15.9% in Q2 2024
- Exceptional efficiency ratio of 26.9%, improved from 28.7% YoY
- 50% dividend payout ratio with combined cash dividend and share buyback
- Very low NPL ratio of 0.43%, among the lowest in the banking system
- Corporate loan portfolio grew 15.4% YoY
- Total deposits increased 10.5% YoY
- Loan loss expenses increased to NIS 278 million in H1 2025, up 36.3% YoY
- Non-interest income declined 27.7% in H1 2025 compared to H1 2024
- Total capital ratio slightly decreased to 14.86% from 15.04% YoY
- Dividend rate will increase to
50% of the net income for the quarter 鈥� totalingNIS 1.3 billion ($386 million NIS 1 billion ($297 million - Leumi continues to present a low and solid efficiency ratio 鈥� among the best in the global financial system:
26.9% - Responsible growth in the loan portfolio and deposits by the public in Q2 2025:
5.7% and7.7% respectively - Loan portfolio quality: NPL ratio among the lowest in the banking system 鈥� only
0.43% - Robust financial indicators: Tier 1 capital ratio of
12.3% , total capital ratio of14.9% and liquidity coverage ratio of130%
Net income听in the second quarter of 2025 amounted to approx.
Return on equity in the second quarter of 2025 was
The efficiency ratio in Q2 2025 was
Dividend听in Q2 2025 amounts to
Responsible growth in the loan portfolio in strategic segments: The Bank continues to focus its growth in the credit portfolio in the corporate, commercial and mortgage segments. In Q2 2025, the credit portfolio grew by
Loan portfolio quality:听Alongside a high increase in the loan portfolio, the Bank continues to present a high-quality loan portfolio. The NPL ratio continues to be among the lowest in the banking system, standing at
Deposits by the public increased by
High capital adequacy: Common equity tier 1 capital ratio as at June 30, 2025 was
Liquidity coverage ratio as at June 30, 2025 was
The Bank's initiatives due to the war:听The Bank implemented many initiatives for the benefit of the general public and its customers, including a series of unique benefits for IDF soldiers and reservists, households whose homes or properties have been damaged and have been evacuated, business owners and self-employed.
These initiatives are part of Leumi's policy to expand the Bank of
The updated financial relief to eligible customers includes, among others: reimbursement of IDF reserve soldiers, deferral of mortgage and loan payments without being charged interest,听reduction or exemption from interest charges on a negative balance in the current account (overdraft), providing interest on a positive balance in the current account, exemption from common current account fees and more.
In addition, since the outbreak of the war, the Bank made substantial donations for the benefit of residents of the confrontation lines, IDF soldiers - both on active and reserve duty, hospitals and first responder and aid organizations. The Bank also joined the national effort for rescuing Israelis that were stuck abroad during Operation "Rising Lion", by chartering a passenger ship to bring Israelis back home from
The total cost of relief and donations in Q2 2025 is estimated at
Development of Balance Sheet Items:
Shareholders' equity听as at June 30, 2025 totaled
Net credit to the public as at June 30, 2025 totaled
Housing loans (mortgages)听as at June 30, 2025 totaled
Credit to retail customers听as at June 30, 2025 totaled
Credit to small businesses as at June 30, 2025 totaled
Middle-market credit听as at June 30, 2025 totaled
Corporate credit听as at June 30, 2025 totaled
Deposits by the public听as at June 30, 2025 totaled
Deposits by retail customers听as at June 30, 2025 totaled
Deposits by small businesses听as at June 30, 2025 totaled
CET1 capital ratio听as at June 30, 2025 was
Total capital ratio听as at June 30, 2025 was
听
Leumi Group - Key Financials | ||||
Profit and Profitability (in NIS millions) | ||||
For the three months | Change in | Change in % | ||
2025 | 2024 | |||
Net Interest income | 4,540 | 4,378 | 162 | 3.7 |
Loan loss expenses (income) | 223 | (18) | 241 | |
Non-interest income | 1,446 | 1,365 | 81 | 5.9 |
Operating and other expenses | 1,610 | 1,651 | (41) | (2.5) |
Profit before tax | 4,153 | 4,110 | 43 | 1.0 |
Provision for tax | 1,623 | 1,340 | 283 | 21.1 |
Profit after tax | 2,530 | 2,770 | (240) | (8.7) |
The Bank's share in profits (losses) of associates | 80 | (501) | 581 | |
Net income attributable to the bank's shareholders | 2,610 | 2,269 | 341 | 15.0 |
Return on equity (%) | 16.2 | 15.9 | ||
Earnings per share (NIS) | 1.74 | 1.49 | ||
听
听
听 For the six months听听 | Change in | Change in % | ||
2025 | 2024 | |||
Net Interest income | 8,557 | 8,145 | 412 | 5.1 |
Loan loss expenses | 278 | 204 | 74 | 36.3 |
Non-interest income | 2,814 | 3,893 | (1,079) | (27.7) |
Operating and other expenses | 3,341 | 3,476 | (135) | (3.9) |
Profit before tax | 7,752 | 8,358 | (606) | (7.3) |
Provision for tax | 2,915 | 2,843 | 72 | 2.5 |
Profit after tax | 4,837 | 5,515 | (678) | (12.3) |
The Bank's share in profits (losses) of associates | 176 | (461) | 637 | |
Net income attributable to the bank's shareholders | 5,013 | 5,054 | (41) | (0.8) |
Return on equity (%) | 15.8 | 18.0 | ||
Earnings per share (NIS) | 3.34 | 3.32 | ||
听
听
Development of Balance Sheet Items (in NIS millions) | |||
As at June 30 | Change in % | ||
2025 | 2024 | ||
Net loans to the public | 489,227 | 433,799 | 12.8 |
Deposits by the public | 642,253 | 581,187 | 10.5 |
Shareholders' equity | 65,535 | 58,435 | 12.2 |
Total assets | 844,333 | 734,039 | 15.0 |
听
听
Principal Financial Ratios (%) | ||
As at June 30 | ||
2025 | 2024 | |
Net loans to the public to total assets | 57.9 | 59.1 |
Deposits by the public to total assets | 76.1 | 79.2 |
Total equity to risk assets | 14.86 | 15.04 |
Tier 1 capital to risk assets | 12.28 | 12.04 |
Leverage ratio | 6.98 | 6.99 |
Liquidity coverage ratio | 130 | 130 |
听
The data in this press release has been converted into US dollars solely for convenience purposes, at the representative exchange rate published by the Bank of
Conference Call Details
A conference call for analysts and investors will be held on the same day at听5 PM听(
To access the conference call please use one of the numbers below (no passcode required):
Israel听 听 听 听 听 听 听 听 听 听 听 听 听 听 听 听 听 | 03-918-0610 |
UK听 听 听 听 听 听 听 听 听 听 听 听 听 听 听 听 听 听 听 | 0-800-917-9141 |
US & Canada听 听 听 听 听 听 听 听 听 听 听 | 1-866-527-8676 |
All other locations听 听 听 听 听 听 听 听 | +972-3-918-0610 |
Please allow sufficient time for registration.
The conference call and webcast will make use of a presentation which will be published on the day of the publication of the Financial Results on the Israeli Securities Authority reporting website (MAGNA) and on the Leumi website under Investor Relations.
An archived recording of the webcast will be available on the Leumi website one business day after the publication of results.
For more information visit the听听page on our website or contact听Michael Klahr, VP, Head of Investor Relations, at听[email protected]
The conference call and webinar does not replace the need to review the latest periodic/quarterly reports containing full information, including forward-looking information, as defined in the Israeli Securities Law, and set out in the aforementioned reports.
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SOURCE Bank Leumi
FAQ
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