Strong Financial Performance
Bank Leumi reported a net profit of ILS 2.7 billion and an ROE of 16.3% for Q3 2025. The cost-to-income ratio was exceptionally strong at 27%, down from 31.1% in Q3 2024.
Robust Dividend and Buyback Program
Following the Bank of Israel's approval, Leumi announced a combined dividend and buyback of ILS 2 billion, representing 75% of the quarterly net profit.
Improved Credit Quality
The credit loss expenses were 0.03% of gross loans, showing a positive development in the geopolitical environment. The NPL was at a low level of 0.41%, and the troubled debt ratio declined to 1.34% of gross loans.
Continued Credit Growth
Credit portfolio grew by 1.3% quarter-on-quarter and 8.8% over 9 months, driven by demand from corporates, real estate, infrastructure, mortgages, and middle market.
Strategic Technology Implementation
Nearly 90% of private customers conduct activities through digital platforms, reflecting the bank's successful technology transformation.