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TEL AVIV, Israel, Nov. 17, 2025 /PRNewswire/ -- First International Bank of Israel (TASE: FIBI) one of Israel's major banking groups, today announced its results for the third quarter of 2025. Statements reflect accelerated growth and high profitability while maintaining financial strength
Financial Highlights
Third Quarter and nine month 2025 Results Summary
The FIBI Group's net income for the first nine months of the year totaled NIS 1,748 million, down 2.8% from the prior-year period. The ROE reached 16.9%.
Net income for the third quarter of 2025 totaled NIS 581 million, down 6.3% from the same quarter last year. ROE reached 16.2%.
Income was affected by nonrecurring losses at CAL; excluding these losses, net income for the third quarter totals NIS 624 million, with a 17.4% ROE.
Total revenues for the first nine months of the year went up 6% from the prior-year period, totaling NIS 5,337 million.
Fee income in the first nine months of the year went up 17.5% from the prior-year period, totaling NIS 1,320 million. Fee income for the third quarter went up 16.4% from the same quarter last year.
Gross credit to the public totaled NIS 141.4 billion, up 11.9% from the prior-year period, and up 3.4% from the second quarter of the year.
Deposits from the public totaled NIS 233 billion, up 9.4% from the prior-year period, and a 3.5% increase compared to the second quarter of the year.
The total customer asset portfolio went up 34.4% from the prior-year period and up 5.8% in the third quarter, totaling NIS 1.074 trillion.
The equity attributable to the Bank's shareholders went up to NIS 14,543 million, reflecting a 11.3% growth rate compared to the prior-year period. The Tier 1 capital ratio is 11.39%, which exceeds the regulatory capital requirement by 2.16% and facilitates the continued growth of the Group's operations.
High-quality loan portfolio: the non-performing loan (NPL) ratio (the rate of non-accruing loans or loans that are 90 or more days past due out of the total credit to the public) is 0.46%, compared to 0.57% for the prior-year period.
Operating and other expenses for the first nine months of the year totaled NIS 2,383 million. The efficiency ratio was 44.7% for the first nine months of the year and 43.7% for the third quarter of 2025.
The provision for income taxes for the first nine months of the year went up to NIS 1,157 million, compared to NIS 1,033 million for the prior-year period, and the effective tax rate was 39.0%, compared to 36.3% for the prior-year period. The tax rate increase mainly stems from income attributed to previous years for the prior-year period and an increase in the special fee applicable to banks.
The Bank's Board of Directors decided to approve an NIS 436 million cash dividend distribution to the shareholders, comprising 50% of the net income for the third quarter and an additional amount out of the remaining distributable income. The Board of Directors will continue to discuss the implementation of the Bank's dividend distribution policy in light of recent developments and their impact on the economy and on the Bank.
Management Comment
Eli Cohen, CEO of the First International Bank of Israel: "The First International Bank's results for the third quarter reflect resilience and strength, as well as our ability to deliver continued rapid growth in our core strategic focus areas: deposits and customer assets have grown rapidly, surpassing NIS 1 trillion, and the loan portfolio continues to grow while maintaining high quality of credit and a balanced risk profile.
"There is a great sense of optimism in the air as we celebrate the return of the living hostages and the progress on the ceasefire agreement. The economy has remained stable during the protracted and costly war, primarily because the country entered the conflict in strong condition following two decades of growth, with a thriving high-tech sector, a consistently declining debt-to-GDP ratio, a robust financial system, and substantial foreign currency reserves.
"The Israeli economy is now at an inflection point with potential for growth, especially noting the possibility of expanding the regional Abraham Accords. The situation remains fragile, and we must act responsibly so that the country and the economy successfully navigate the coming challenges as we continue to make progress toward resuming growth.
"I would like to thank the Bank's employees for their tireless dedication during these difficult times, and for their unwavering loyalty, professionalism, and commitment to the Bank and its customers, and to express hope for the return of the remaining fallen hostages to home to Israel for proper burial."
CONDENSED PRINCIPAL FINANCIAL INFORMATION AND PRINCIPAL EXECUTION INDICES
Principal execution indices
For the three months
ended September 30,
For the nine months
ended September 30,
For the year
ended
December 31,
2025
2024
2025
2024
2024
in %
Return on equity attributed to shareholders of the Bank(1)
16.2
19.4
16.9
19.4
19.0
Return on average assets(1)
0.88
1.05
0.90
1.05
1.02
Ratio of total income to average assets(1)
2.8
3.1
2.8
2.9
2.9
Ratio of interest income, net to average assets(1)
2.0
2.1
1.9
2.1
2.0
Ratio of fees to average assets(1)
0.7
0.7
0.7
0.7
0.7
Efficiency ratio
43.7
42.8
44.7
44.5
44.1
As of September 30,
As of December 31,
2025
2024
2024
in %
Ratio of tier 1 equity capital
11.39
11.41
11.31
Leverage ratio
5.19
5.17
5.18
Liquidity coverage ratio(3)
131
171
165
Net stable funding ratio
127
142
140
Principal credit quality indices
For the three months
ended September 30,
For the nine months
ended September 30,
For the year
ended
December 31,
2025
2024
2025
2024
2024
in %
Ratio of provision for credit losses to credit to the public
1.15
1.29
1.15
1.29
1.25
Ratio of total provision for credit losses(2) to credit to the public
1.29
1.41
1.29
1.41
1.38
Ratio of non-accruing debts or in arrears of 90 days or more to credit to the public
0.46
0.57
0.46
0.57
0.53
Ratio of provision for credit losses to total non-accruing credit to the public
256.2
230.5
256.2
230.5
244.6
Ratio of net write-offs to average total credit to the public(1)
(0.01)
(0.01)
(0.03)
(0.06)
(0.04)
Ratio of expenses (income) for credit losses to average total credit to the public(1)
0.05
0.07
(0.01)
(0.06)
(0.01)
Principal data from the statement of income
For the three months
ended September 30,
For the nine months
ended September 30,
2025
2024
2025
2024
NIS million
Net profit attributed to shareholders of the Bank
581
620
1,748
1,798
Interest Income, net
1,290
1,265
3,734
3,601
Expenses (income) from credit losses
17
22
(10)
(51)
Total non-Interest income
538
552
1,603
1,436
Of which: Fees
461
396
1,320
1,123
Total operating and other expenses
798
777
2,383
2,240
Of which: Salaries and related expenses
438
*435
1,340
*1,317
Primary and diluted net profit per share of NIS 0.05 par value (NIS)
5.79
6.18
17.42
17.92
Principal data from the balance sheet
30.9.25
30.9.24
31.12.24
NIS million
Total assets
269,499
242,512
248,563
of which: Cash and deposits with banks
81,921
81,440
77,175
Securities
37,995
28,860
34,396
Credit to the public, net
139,808
124,749
129,416
Total liabilities
254,273
228,823
234,479
of which: Deposits from the public
233,020
212,907
214,755
Deposits from banks
1,730
2,631
2,508
Bonds and subordinated capital notes
5,836
4,474
4,479
Capital attributed to the shareholders of the Bank
14,543
13,066
13,430
Additional data
30.9.25
30.9.24
31.12.24
0.01 NIS
Share price
23,710
15,410
17,940
Dividend per share
757
739
986
* Reclassified.
(1) Annualized.
(2) Including provision in respect of off-balance sheet credit instruments.
(3) The ratio is computed in respect of the three months ended at the end of the reporting period.
CONSOLIDATED STATEMENT OF INCOME
(NIS million)
For the three months
ended September 30
For the nine months
ended September 30
For the year
Ended
December 31
2025
2024
2025
2024
2024
(unaudited)
(unaudited)
(unaudited)
(unaudited)
(audited)
Interest Income
3,120
2,955
8,942
8,410
11,097
Interest Expenses
1,830
1,690
5,208
4,809
6,357
Interest Income, net
1,290
1,265
3,734
3,601
4,740
Expenses (income) from credit losses
17
22
(10)
(51)
(16)
Net Interest Income after income from credit losses
1,273
1,243
3,744
3,652
4,756
Non- Interest Income
Non-Interest Financing income
70
153
275
300
432
Fees
461
396
1,320
1,123
1,553
Other income
7
3
8
13
21
Total non- Interest income
538
552
1,603
1,436
2,006
Operating and other expenses
Salaries and related expenses
438
*435
1,340
*1,317
1,739
Maintenance and depreciation of premises and equipment
85
*116
251
*279
359
Amortizations and impairment of intangible assets
37
36
108
99
134
Other expenses
238
190
684
545
745
Total operating and other expenses
798
777
2,383
2,240
2,977
Profit before taxes
1,013
1,018
2,964
2,848
3,785
Provision for taxes on profit
387
390
1,157
1,033
1,383
Profit after taxes
626
628
1,807
1,815
2,402
The bank's share in profit (loss) of equity-basis investee, after taxes
(15)
22
23
62
74
Net profit:
Before attribution to non‑controlling interests
611
650
1,830
1,877
2,476
Attributed to non‑controlling interests
(30)
(30)
(82)
(79)
(105)
Attributed to shareholders of the Bank
581
620
1,748
1,798
2,371
NIS
Primary profit per share attributed to the shareholders
of the Bank
Net profit per share of NIS 0.05 par value
5.79
6.18
17.42
17.92
23.63
Diluted profit per share attributed to the shareholders
of the Bank
Net profit per share of NIS 0.05 par value
5.79
6.18
17.42
17.92
23.63
* Reclassified.
STATEMENT OF COMPREHENSIVE INCOME
(NIS million)
For the three months
ended September 30
For the nine months
ended September 30
For the year Ended
December 31
2025
2024
2025
2024
2024
(unaudited)
(unaudited)
(unaudited)
(unaudited)
(audited)
Net profit before attribution to non‑controlling interests
611
650
1,830
1,877
2,476
Net profit attributed to non‑controlling interests
(30)
(30)
(82)
(79)
(105)
Net profit attributed to the shareholders of the Bank
581
620
1,748
1,798
2,371
Other comprehensive income (loss) before taxes:
Adjustments of available for sale bonds to fair value, net
39
129
203
(115)
31
Adjustments of liabilities in respect of employee benefits(1)
(1)
(2)
8
10
(60)
Other comprehensive income (loss) before taxes
38
127
211
(105)
(29)
Related tax effect
(16)
(49)
(83)
41
9
Other comprehensive income (loss) before attribution to non‑controlling interests, after taxes
22
78
128
(64)
(20)
Less other comprehensive income (loss) attributed to non‑controlling interests
-
3
6
(2)
3
Other comprehensive income (loss) attributed to the shareholders of the Bank, after taxes
22
75
122
(62)
(23)
Comprehensive income before attribution to non‑controlling interests
633
728
1,958
1,813
2,456
Comprehensive income attributed to non‑controlling interests
(30)
(33)
(88)
(77)
(108)
Comprehensive income attributed to the shareholders of the Bank
603
695
1,870
1,736
2,348
(1) Mostly reflects adjustments in respect of actuarial assessments as of the end of the period regarding defined benefits pension plans and deduction of amounts recorded in the past in other comprehensive income.
CONSOLIDATED BALANCE SHEET
(NIS million)
September 30,
December 31,
2025
2024
2024
(unaudited)
(unaudited)
(audited)
Assets
Cash and deposits with banks
81,921
81,440
77,175
Securities
37,995
28,860
34,396
Securities borrowed or purchased under agreements to repurchase
184
147
70
Credit to the public
141,432
126,374
131,050
Provision for Credit losses
(1,624)
(1,625)
(1,634)
Credit to the public, net
139,808
124,749
129,416
Credit to the government
1,466
1,611
1,496
Investment in investee company
862
854
842
Buildings and equipment
865
852
867
Intangible assets
362
350
363
Assets in respect of derivative instruments
4,131
2,308
2,565
Other assets(2)
1,905
1,341
1,373
Total assets
269,499
242,512
248,563
Liabilities and Capital
Deposits from the public
233,020
212,907
214,755
Deposits from banks
1,730
2,631
2,508
Deposits from the Government
934
689
2,540
Securities lent or sold under agreements to repurchase
3,623
1,542
2,304
Bonds and subordinated capital notes
5,836
4,474
4,479
Liabilities in respect of derivative instruments
4,520
2,086
2,729
Other liabilities(1)(3)
4,610
4,494
5,164
Total liabilities
254,273
228,823
234,479
Shareholders' equity
14,543
13,066
13,430
Non-controlling interests
683
623
654
Total capital
15,226
13,689
14,084
Total liabilities and capital
269,499
242,512
248,563
(1) Of which: provision for credit losses in respect of off-balance sheet credit instruments in the amount of NIS 207 million and NIS 160 million and NIS 177 million at 30.9.25, 30.9.24 and 31.12.24, respectively.
(2) Of which: other assets measured at fair value in the amount of NIS 12 million and NIS 16 million and NIS 1 million at 30.9.25, 30.9.24 and 31.12.24, respectively.
(3) Of which: other liabilities measured at fair value in the amount of NIS 12 million and NIS 48 million and NIS 1 million at 30.9.25, 30.9.24 and 31.12.24, respectively.
STATEMENT OF CHANGES IN EQUITY
(NIS million)
For the three months ended September 30, 2025 (unaudited)
Share
capital
and
premium (1)
Capital
reserves from
benefit due to
share-based
payment
transactions
Total
capital
and
capital
reserves
Accumulated
other
comprehensive
income (loss)
Retained
earnings (2)
Total
Non-
controlling
interests
Total
capital
Balance as of June 30, 2025
927
1
928
(78)
13,408
14,258
712
14,970
Net profit for the period
-
-
-
-
581
581
30
611
Dividend
-
-
-
-
(319)
(319)
(59)
(378)
Benefit due to share-based payment transactions
-
1
1
-
-
1
-
1
Other comprehensive income, after tax effect
-
-
-
22
-
22
-
22
Balance as of September 30, 2025
927
2
929
(56)
13,670
14,543
683
15,226
For the three months ended September 30, 2024 (unaudited)
Share
capital
and
premium (1)
Accumulated
other comprehensive
income (loss)
Retained
earnings (2)
Total
Non-
controlling
interests
Total
capital
Balance as of June 30, 2024
927
(292)
11,980
12,615
590
13,205
Net profit for the period
-
-
620
620
30
650
Dividend
-
-
(244)
(244)
-
(244)
Other comprehensive income, after tax effect
-
75
-
75
3
78
Balance as of September 30, 2024
927
(217)
12,356
13,066
623
13,689
For the nine months ended September 30, 2025 (unaudited)
Share
capital
and
premium (1)
Capital
reserves from
benefit due to
share-based
payment
transactions
Total
capital
and
capital
reserves
Accumulated
other
comprehensive
income (loss)
Retained
earnings (2)
Total
Non-
controlling
interests
Total
capital
Balance as of December 31, 2024 (audited)
927
-
927
(178)
12,681
13,430
654
14,084
Net profit for the period
-
-
-
-
1,748
1,748
82
1,830
Dividend
-
-
-
-
(759)
(759)
(59)
(818)
Benefit due to share-based payment transactions
-
2
2
-
-
2
-
2
Other comprehensive income, after tax effect
-
-
-
122
-
122
6
128
Balance as of September 30, 2025
927
2
929
(56)
13,670
14,543
683
15,226
For the nine months ended September 30, 2024 (unaudited)
Share
capital
and
premium (1)
Accumulated
other
comprehensive
loss
Retained
earnings (2)
Total
Non-
controlling
interests
Total
capital
Balance as at December 31, 2023 (audited)
927
(155)
11,299
12,071
575
12,646
Net profit for the period
-
-
1,798
1,798
79
1,877
Dividend
-
-
(741)
(741)
(29)
(770)
Other comprehensive loss, after tax effect
-
(62)
-
(62)
(2)
(64)
Balance as of September 30, 2024
927
(217)
12,356
13,066
623
13,689
STATEMENT OF CHANGES IN EQUITY (CONT'D)
(NIS million)
For the year ended December 31, 2024 (audited)
Share capital
and premium (1)
Accumulated
other
comprehensive
loss
Retained
earnings (2)
Total
Non-
controlling
interests
Total
capital
Balance as of December 31, 2023
927
(155)
11,299
12,071
575
12,646
Net profit for the period
-
-
2,371
2,371
105
2,476
Dividend
-
-
(989)
(989)
(29)
(1,018)
Other comprehensive income (loss), after tax effect
-
(23)
-
(23)
3
(20)
Balance as of December 31, 2024
927
(178)
12,681
13,430
654
14,084
(1) Including share premium of NIS 313 million (as from 1992 onwards).
(2) Including an amount of NIS 2,391 million which cannot be distributed as dividend.
Contact:
Dafna Zucker
First International Bank of Israel
zucker.d@fibi.co.i
+972-3-519-6224
View original content:https://www.prnewswire.com/news-releases/first-international-bank-of-israel-reports-financial-results-for-the-third-quarter-of-2025-302616819.html
SOURCE First International Bank of Israel
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