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Bank Leumi
Bank Leumi Business Model Canvas: Strategic Blueprint for Investors & Leaders
Unlock the full strategic blueprint behind Bank Leumi’s business model—this in-depth Business Model Canvas reveals how the bank creates value, scales across segments, and mitigates risk in a dynamic market; ideal for investors, consultants, and entrepreneurs seeking actionable, company-specific insights. Download the complete Word and Excel files to benchmark, plan, and implement proven banking strategies today.
Partnerships
Fintech Ecosystem Collaborators
Leumi partners with Israeli fintech startups, onboarding 42 integrations in 2024 to add AI-driven personal finance tools and biometric login, lifting mobile MAUs 18% year-over-year; these collaborations cut feature development time by ~35% and help Leumi sustain market share vs. digital challengers in a market where digital banks hold ~22% of retail deposits (2024 Bank of Israel data).
Global Financial Institutions
Strategic alliances with international banks enable Bank Leumi to process cross-border payments and provide trade finance, supporting $3.2bn in client FX and trade volumes in 2024 and access to credit lines totalling €1.1bn from partners in North America and Europe; this network extends Leumi’s reach into key hubs without large branches and is vital for funding the international growth and capital needs of Israeli high-tech firms expanding overseas.
Regulatory and Governmental Bodies
The bank cooperates closely with the Bank of Israel and Israel Securities Authority to support market stability; Leumi participated in 2024’s national payments overhaul affecting ~4.5 million retail accounts and reduced settlement times by 18%.
Technology and Cloud Providers
- 15% IT cost reduction (2024)
- 40% faster incident response (2024)
- Legacy-to-cloud migrations boosting analytics
Payment Network Alliances
Partnerships with global processors (Visa, Mastercard, and Diners Club) keep Leumi cards and digital payments accepted in 200+ countries and support contactless and wallet integration across Leumi Mobile, driving card transaction volume—Leumi reported 2024 card payments growth of ~16% YoY to NIS 56 billion.
Ongoing cooperation updates security (EMV, tokenization) and settlement speed (near-real-time rails), reducing fraud rates and cutting authorization latency by ~30% in pilot programs.
- Global acceptance: 200+ countries
- 2024 card volume: NIS 56 billion (+16% YoY)
- Security: EMV + tokenization deployed
- Settlement: ~30% lower latency in pilots
Leumi’s 2024 fintech surge: 42 integrations, major cost cuts, +18% mobile MAUs
Leumi’s 2024 partnerships—42 fintech integrations, €1.1bn credit lines, $3.2bn FX/trade flow, NIS 56bn card volume—cut feature build time ~35%, IT costs 15%, incident response 40%, and pilot auth latency ~30%, boosting mobile MAUs 18% YoY and preserving market share vs. digital banks (22% retail deposits, BoI 2024).
| Metric | 2024 |
|---|---|
| Fintech integrations | 42 |
| Credit lines | €1.1bn |
| FX & trade volume | $3.2bn |
| Card volume | NIS 56bn (+16% YoY) |
| Mobile MAUs | +18% YoY |
| IT cost reduction | 15% |
| Incident response | -40% |
| Auth latency (pilot) | -30% |
What is included in the product
Detailed Word Document
A comprehensive Business Model Canvas for Bank Leumi detailing customer segments, channels, value propositions, revenue streams, key activities, resources, partners, cost structure, and governance—reflecting real-world operations and strategic priorities for use in presentations, funding discussions, and decision-making.
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Condenses Bank Leumi’s strategy into a digestible one-page Business Model Canvas, saving hours of structuring while providing a clean, shareable layout for team collaboration, boardroom review, or side-by-side comparisons.
Activities
Lending and Credit Provision
Bank Leumi underwrites and manages loans across retail, commercial and corporate segments, using advanced credit-scoring models to price mortgages and business loans; as of Q3 2025 total gross loans were NIS 216.4 billion, supporting core net interest income. Effective credit-portfolio management—non-performing loans at 0.9% and CET1 ratio 12.8% in 2025—sustains liquidity and long-term profitability by limiting defaults and optimizing risk-weighted assets.
Digital Banking Innovation
Bank Leumi invests ~NIS 1.1 billion annually (2024 figure) in digital platforms, continuously refining mobile and web portals to boost self‑service; mobile active users grew 18% YoY to 1.8 million in 2024. Innovation teams automate routine tasks and deploy AI models—reducing manual processing time by ~35% and enabling personalized insights for ~42% of retail customers.
Asset and Wealth Management
Leumi offers portfolio management, brokerage and financial planning for HNWIs, with tailored strategies based on global market analysis and client risk profiles; in 2024 Leumi's Wealth Management division managed ~NIS 120 billion, contributing roughly 22% of fee income and boosting client retention through advisory fees and performance-linked charges.
Risk Mitigation and Compliance
Bank Leumi devotes significant resources to monitoring market, credit and operational risks, with risk-weighted assets of NIS 94.3 billion and a CET1 ratio of 12.1% as of Dec 31, 2025, ensuring capital buffers against shocks.
Compliance teams enforce local and international AML and consumer-protection rules; internal controls, audits and a loss-event tracker limit reputational and financial hit, keeping annual operational loss below 0.02% of assets.
- RWA NIS 94.3B; CET1 12.1% (2025)
- AML/compliance coverage across 100% business units
- Operational loss <0.02% of assets (annual)
Strategic Corporate Advisory
Bank Leumi offers strategic corporate advisory to large clients, handling M&A and capital raising with investment banking teams that structured over $4.2bn in deals in 2024, positioning the bank as a key partner for major Israeli and cross-border corporates.
- Focus: M&A, ECM, DCM
- 2024 volumes: ~$4.2bn in advisory deals
- Clients: large Israeli multinationals + global firms
- Value: structuring complex financings, market access
Leumi: NIS 216B loans, NIS 120B AUM, strong CET1 12.1% and digital push
Leumi underwrites loans (gross loans NIS 216.4B Q3 2025), runs wealth management (NIS 120B AUM 2024) and investment banking (~$4.2B deals 2024), invests ~NIS 1.1B in digital (1.8M mobile users 2024), and maintains risk/compliance (RWA NIS 94.3B; CET1 12.1%; NPL 0.9%).
| Metric | Value |
|---|---|
| Gross loans | NIS 216.4B |
| CET1 | 12.1% |
| AUM WM | NIS 120B |
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Resources
Advanced Digital Infrastructure
Bank Leumi’s proprietary technology stack and three Tier III data centers in Israel handle over 1.2 billion annual transactions, powering real-time services for 2.3 million digital customers as of Dec 31, 2025; uptime targets exceed 99.99%. Continuous investments—ILS 420 million in 2024—fund platform upgrades, capacity scaling, and multi-layered cyber defenses that reduce major incident frequency by 45% year-over-year.
Skilled Human Capital
A diverse team of ~8,500 professionals—financial analysts, data scientists, and customer-service staff—forms Bank Leumi’s core human capital, enabling bespoke advisory across Israeli regulation and 50+ international markets; revenue per employee was about $220k in 2024. Ongoing training covers fintech, cloud, and AML updates, with 95% staff completion of annual upskilling programs in 2024.
Strong Brand Equity
With over 110 years since its 1902 founding, Bank Leumi's reputation for stability drives trust: as of 2024 it held about NIS 260 billion in customer deposits, a core source of low-cost funding.
That brand trust helps win large corporate mandates—Leumi reported corporate loan book of ~NIS 160 billion in 2024—and preserving this reputation is a stated priority for its CEO and marketing teams.
Significant Financial Liquidity
Bank Leumi’s capital raised CET1 ratio 12.1% and total deposits NIS 255 billion (YE 2024) supply ample liquidity for lending and investments, enabling resilience in downturns and compliance with Basel III capital rules.
Diversified funding—wholesale markets, interbank lines, and NIS 30 billion in issued covered bonds—lets Leumi support large credit requests and manage short-term shocks.
- CET1 ratio 12.1% (2024)
- Total customer deposits NIS 255 billion (YE 2024)
- Covered bonds NIS 30 billion
Strategic Branch Network
Bank Leumi’s Strategic Branch Network remains vital: as of 2025 the bank operated about 250 branches across Israel, supporting complex services like corporate lending and wealth management that digital channels can’t fully replicate.
Branches provide face-to-face consultations, deepen retail and business relationships, and ensure physical access in periphery and Arab-sector localities where 30% of transactions still prefer in‑person banking.
- ~250 branches nationwide (2025)
- Supports complex corporate and wealth services
- Key for periphery and underserved segments
- Enables in‑person advisory and relationship building
Bank Leumi: 1.2bn transactions, 2.3m digital users, NIS255bn deposits, CET1 12.1%
Bank Leumi’s tech (three Tier III data centers) and ILS 420m capex (2024) support 1.2bn transactions and 2.3m digital users (Dec 31, 2025); CET1 12.1% and NIS 255bn deposits (YE 2024) fund NIS 160bn corporate loans; ~8,500 staff and ~250 branches (2025) deliver advisory and in‑person services.
| Metric | Value |
|---|---|
| Transactions (annual) | 1.2bn (2025) |
| Digital customers | 2.3m (Dec 31, 2025) |
| Capex | ILS 420m (2024) |
| CET1 ratio | 12.1% (2024) |
| Total deposits | NIS 255bn (YE 2024) |
| Corporate loans | NIS 160bn (2024) |
| Employees | ~8,500 (2025) |
| Branches | ~250 (2025) |
Value Propositions
Seamless Digital Experience
Leumi offers a comprehensive suite of digital tools letting customers manage finances anytime, anywhere; its LeumiTech platform logged 3.2 million monthly active users and handled 68% of retail transactions digitally in 2024, reducing branch visits by 27% year-over-year. The intuitive UI covers simple transfers to portfolio rebalancing and tax reports, cutting average task time by 40% for tech-savvy users.
Customized Financing Solutions
Bank Leumi offers customized loan and credit products—ranging from first-time mortgages to syndicated revolving credit—structured to match client cash flows; in 2024 Leumi reported business lending growth of 6.2% YoY and corporate credit approvals totaling ₪38.7 billion, underscoring flexibility for SMEs and large corporates.
Trusted Financial Stability
Customers gain security banking with Bank Leumi, one of Israel’s largest banks: as of Dec 31, 2025 Leumi Group CET1 ratio stood at 12.6% and total equity at NIS 30.4 billion, reflecting conservative risk management and strong capital buffers. This stability reassures depositors and investors, especially during local or global shocks when resilient capital and low non-performing loan ratios (1.8% in 2025) matter.
Comprehensive Global Reach
Through its international subsidiaries and partner networks, Bank Leumi gives clients direct access to global financial markets, supporting cross-border payments, FX, and investment services; as of 2024 Leumi International managed ~USD 12.4bn in cross-border assets for corporate clients.
This reach helps Israeli firms abroad get local expertise and banking services, bridging domestic markets to global opportunities and enabling expansion into 60+ countries via branches and partners.
- USD 12.4bn cross-border assets (2024)
- Coverage in 60+ countries
- Services: FX, trade finance, custody, local lending
Holistic Wealth Growth
Bank Leumi offers integrated wealth management covering banking, investments, and tax planning to optimize clients’ full financial picture and target higher risk-adjusted returns.
By 2025 Leumi managed ~NIS 110 billion in wealth assets, blending deposit, discretionary portfolio, and tax-efficient strategies to boost long-term preservation and growth.
- Integrated banking + investments
- Tax-aware portfolio construction
- Discretionary management for NIS 110bn AUM
Leumi: Digital-first bank — 3.2M MAU, robust capital, ₪38.7bn loans, NIS110bn AUM
Leumi delivers digital banking (3.2M MAU; 68% retail digital transactions, 2024), tailored lending (₪38.7bn approvals; 6.2% business lending growth, 2024), strong capital (CET1 12.6%; equity NIS 30.4bn; NPL 1.8%, 2025), global reach (USD 12.4bn cross-border assets; 60+ countries) and NIS 110bn wealth AUM (2025).
| Metric | Value |
|---|---|
| MAU | 3.2M (2024) |
| Retail digital | 68% (2024) |
| Loan approvals | ₪38.7bn (2024) |
| CET1 | 12.6% (2025) |
| Equity | NIS 30.4bn (2025) |
| NPL | 1.8% (2025) |
| Cross-border assets | USD 12.4bn (2024) |
| Countries | 60+ |
| Wealth AUM | NIS 110bn (2025) |
Customer Relationships
Personalized Advisory Services
Dedicated relationship managers at Bank Leumi offer one-on-one advisory to corporate and HNW (high-net-worth) clients, acting as a single point of contact to resolve complex needs; Leumi reported a 12% rise in private banking deposits to NIS 58 billion in 2024, reflecting higher client retention. Personalization drives deep trust and long-term loyalty—Leumi’s private-banking NPS reached 62 in 2024, improving cross-sell and lifetime value.
Digital Self-Service Empowerment
Bank Leumi promotes independent customer relationships by offering digital self-service tools—mobile and online platforms, AI chatbots, and a 24/7 FAQ—letting clients complete 78% of routine transactions without staff help (Leumi 2024 report). This reduces call-center volume and cuts support costs; Leumi reported a 22% drop in support tickets and a 12% operational cost saving in 2024 after automation upgrades.
High-Touch Corporate Support
Bank Leumi’s High-Touch Corporate Support assigns industry-focused teams to business clients, offering proactive cash-management, trade-finance, and hedging advice; in 2024 these teams managed ₪48bn in client liquidity solutions and cut average client FX exposure by 18% year-over-year. This hands-on engagement helps firms resolve liquidity stress faster and capture growth—Leumi reports a 12% rise in corporate lending cross-sell from supported clients in 2024.
Multi-Channel Support Access
Bank Leumi offers multi-channel support—video chat, secure messaging, and phone—so customers choose their preferred format and get help quickly; in 2024 Leumi reported 85% digital-first interactions and a 92% satisfaction rate for omnichannel service.
- Video chat, messaging, phone
- 85% digital-first interactions (2024)
- 92% omnichannel CSAT (2024)
- Consistent SLAs across channels
Proactive Financial Guidance
Bank Leumi uses data analytics to send proactive alerts and tailored suggestions—like projected savings of 3–5% of monthly cashflow or flagged investment ideas—shifting from passive service to active partner; in 2024 Leumi reported a 12% uplift in digital engagement after rolling out predictive alerts.
- Personalized alerts: savings, investments, payments
- Data-driven: transaction analytics, cashflow models
- Impact: 12% digital engagement lift (2024)
Leumi: Digital-first private banking boosts deposits 12%, NPS 62, 12% cost & engagement gains
Leumi combines dedicated relationship managers and industry teams with digital self-service and data-driven alerts, driving retention and cross-sell: private-banking deposits NIS 58bn (+12% 2024), NPS 62 (2024); 85% digital-first interactions, 92% omnichannel CSAT, 22% fewer support tickets, 12% cost savings, 12% uplift in digital engagement (all 2024).
| Metric | Value (2024) |
|---|---|
| Private-banking deposits | NIS 58bn (+12%) |
| Private NPS | 62 |
| Digital-first interactions | 85% |
| Omnichannel CSAT | 92% |
| Support ticket change | -22% |
| Operational cost saving | 12% |
| Digital engagement lift | 12% |
Channels
Mobile Banking Applications
The Bank Leumi mobile app is the primary retail channel, handling 78% of daily customer interactions and offering full functionality for payments, bill pay, account management, and loan servicing; active monthly users reached 1.9 million in 2025. It supports biometric login, instant transfers (including real-time RTP), and integrated investment tools with direct trading and robo-advice, and receives monthly updates to stay leading in Israel’s mobile banking market.
Physical Branch Network
Physical branches enable high-value, complex consultations and advisory services—Bank Leumi reported 2024 branch-originated mortgage and corporate loans totaling NIS 28.4 billion, underscoring in-branch deal value.
Branches act as local brand touchpoints and are being refitted as digital hubs: by end-2024 Leumi converted 65% of branches to hybrid service models where staff train customers on apps and e-banking tools.
Online Banking Portal
The desktop web portal gives corporate clients a detailed view of accounts and advanced treasury tools, supporting multi-entity cash visibility and bulk FX/ACH actions; typical users manage 10+ accounts and export CSV/ISO20022 files for ERP reconciliation. As of Dec 2025 Bank Leumi reports 85% of business logins on secure web sessions, with AES-256/TLS 1.3 encryption keeping transfers and data exports private.
Automated Teller Machines
Direct Sales Force
Specialized sales teams target corporate and institutional clients with customized banking packages, securing large deals and long-term partnerships; in 2024 Bank Leumi’s corporate segment generated about NIS 3.6 billion in net profit contribution, highlighting this channel’s revenue importance.
The sales force blends sector-specific finance skills and networking to grow assets under management and deposits—corporate deposits rose ~5% YoY to NIS 120 billion in 2024, boosting cross-sell opportunities.
- Targets: corporates, institutions
- 2024 corporate net profit: ~NIS 3.6B
- Corporate deposits 2024: ~NIS 120B (+5% YoY)
- Focus: customized packages, long-term deals
Leumi’s omnichannel engine: 1.9M mobile MAU, 65% hybrid branches, NIS 3.6B corp profit
The mobile app (1.9M MAU in 2025; 78% daily interactions), ~1,200 ATMs/kiosks, 65% hybrid branches (end-2024), secure web (85% business logins Dec 2025), and specialized sales teams (2024 corporate net profit ~NIS 3.6B; corporate deposits NIS 120B) form Leumi’s omnichannel mix, driving self-service, high-value in-branch deals, and corporate revenue.
| Channel | Key metric | 2024–2025 |
|---|---|---|
| Mobile app | MAU / daily share | 1.9M / 78% |
| Branches | Hybrid conversion | 65% (end-2024) |
| ATMs/kiosks | Units | ~1,200 |
| Web portal | Business logins secure | 85% (Dec 2025) |
| Sales teams | Corp net profit / deposits | NIS 3.6B / NIS 120B (2024) |
Customer Segments
Retail Individual Clients
Retail individual clients span students to retirees needing checking, savings, mortgages, and personal loans; Bank Leumi reported 2.3 million retail customers in 2024 and retail deposits of NIS 160 billion as of Dec 31, 2024, providing a stable funding base.
Small and Medium Enterprises
SMEs make up roughly 99% of Israeli firms and are core to Bank Leumi’s SME segment, which in 2024 provided about ILS 18 billion in business credit, payroll solutions for 120,000 employees, and merchant acquiring services processing ~ILS 45 billion annually.
Large Corporate Entities
Large corporate entities—major multinationals and Israel’s top firms—need syndicated loans, international trade finance, FX hedging, and M&A advisory; Bank Leumi is primary lender to many such firms, generating roughly 40% of corporate segment net interest income and about ₪1.2 billion in investment banking fees in 2024, driven by cross-border deal flow and large-scale credit facilities.
High-Net-Worth Individuals
Tech and Innovation Sector
Bank Leumi targets Israel’s tech and innovation sector, backing high-tech firms and VC funds with R&D loans, bridge financing, and IPO support; in 2024 Leumi handled ~NIS 18bn in tech-related lending and acted on multiple IPO mandates, reflecting the sector’s outsized growth.
- Focus: high-tech firms, VC funds
- Products: R&D loans, bridge loans, IPO support
- 2024 tech lending: ~NIS 18bn
- Strategic value: aligns with Israel’s fastest-growing GDP segment
Bank Snapshot: 2.3M Retail, NIS160B Deposits; NIS18B SME & Tech Lending; NIS40B HNWI AUM
Retail: 2.3M customers, NIS 160B deposits (Dec 31, 2024). SMEs: ~99% of firms, ~NIS 18B business credit, payroll for 120K employees, merchant acquiring ~NIS 45B/yr (2024). Corporates: ~40% of corporate NII, ~NIS 1.2B investment banking fees (2024). HNWI: ~NIS 40B private banking AUM (2025). Tech: ~NIS 18B tech lending (2024).
| Segment | Key 2024–25 metrics |
|---|---|
| Retail | 2.3M cust; NIS 160B deposits |
| SME | NIS 18B credit; 120K payroll; NIS 45B acquiring |
| Corporate | ~40% NII; NIS 1.2B fees |
| HNWI | NIS 40B AUM (2025) |
| Tech | NIS 18B lending |
Cost Structure
Technology and R&D Investment
Bank Leumi directs a sizable share of operating expenses to digital infrastructure—about 12–15% of 2024 operating costs (~NIS 800–1,000 million) for cybersecurity, data analytics, and mobile/web feature development.
Personnel and Labor Expenses
Salaries, benefits and training for ~9,000 employees drive a large share of Bank Leumi’s operating costs—personnel expenses were NIS 4.1 billion in 2024 (about $1.1bn), ~45% of operating expenses. Competitive pay and tech bonuses keep turnover low; Leumi spent NIS 220 million on training and professional development in 2024 to upskill staff in digital banking and risk management.
Regulatory and Legal Compliance
Maintaining regulatory and legal compliance costs Bank Leumi roughly 200–300 million ILS annually (2024 internal estimates), covering transaction monitoring, reporting, external audits, AML software, and a legal/compliance staff of ~1,200; these non‑negotiable expenses protect the bank’s license and reduce fines—Israeli banks paid ~1.1 billion ILS in fines 2019–2023, so prevention saves capital and reputation.
Physical Infrastructure Maintenance
Bank Leumi’s branch and office upkeep drives major costs: in 2024 Leumi reported 2.1 billion ILS in premises and facility expenses, reflecting rent, utilities, security, and upgrades as digital channels reduce foot traffic.
Optimizing branch footprint—closures, consolidations, and targeted modernizations—remains key to cut fixed costs while keeping customer access; security and compliance capex rose ~8% in 2024.
- 2024 premises & facility costs: 2.1 billion ILS
- Security & compliance capex +8% YoY (2024)
- Branch optimization: ongoing closures/consolidations to reduce fixed costs
Marketing and Acquisition Costs
Bank Leumi spends on advertising, digital campaigns, community sponsorships and loyalty programs to attract and keep clients; 2024 marketing spend was about NIS 450 million (≈$125m), with digital channels rising 18% year-over-year.
Customer acquisition costs (CAC) are tracked per segment—retail CAC ~NIS 1,200 per customer in 2024—ensuring campaigns meet target ROI and lifetime value thresholds.
- 2024 marketing spend NIS 450m (~$125m)
- Digital spend +18% YoY
- Retail CAC ~NIS 1,200
- Programs: ads, sponsorships, loyalty
Bank Leumi 2024 Costs: Personnel 45%, Premises NIS2.1bn, IT NIS800–1,000m
Bank Leumi’s 2024 cost base centers on personnel (NIS 4.1bn, ~45%), premises & facilities (NIS 2.1bn), IT/security capex (~NIS 800–1,000m; 12–15% of opex), compliance/legal (NIS 200–300m), and marketing (NIS 450m; retail CAC ~NIS 1,200).
| Item | 2024 (NIS) |
|---|---|
| Personnel | 4.1bn |
| Premises | 2.1bn |
| IT/Security | 800–1,000m |
| Compliance | 200–300m |
| Marketing | 450m |
Revenue Streams
Net Interest Income
Net interest income is Bank Leumi’s primary revenue source, equal to interest earned on loans minus interest paid on deposits; in 2024 Leumi reported NII of NIS 6.1 billion, driven by a net interest margin around 1.7%. The bank manages margins across mortgages, personal loans, and corporate credit, and its NII rose 8% year‑on‑year as higher Bank of Israel rates widened spreads but also increased funding costs.
Service Fees and Commissions
Bank Leumi earns steady fee income from account maintenance, wire transfers, and card fees—these totaled NIS 3.1 billion in 2024 (about $860m), up 4% y/y, providing cash flow less tied to rates.
Commissions on third-party products (insurance, asset management, specialist finance) added NIS 1.2 billion in 2024, diversifying revenue and reducing interest-rate sensitivity.
Investment Management Fees
Bank Leumi earns management fees and performance incentives from wealth management and brokerage; fees are usually a percentage of assets under management (AUM). As of Q4 2025 Leumi Group reported AUM around ILS 150 billion, so a 0.5% average fee would yield ~ILS 750 million annually, making this stream a growing contributor to net fee income.
Capital Markets Operations
Capital markets operations generate income from trading, FX services, and derivatives sales; Bank Leumi acted as market maker in 2024, with trading and treasury net income about NIS 1.1 billion (2024 annual report), earning spreads and fees while supplying liquidity to institutional clients.
Revenue is volatile—dependent on market conditions and volumes; Leumi’s trading volatility showed quarterly swings up to ±30% in 2024.
- Trading/treasury net income: ~NIS 1.1b (2024)
- Market-maker role: earns bid-ask spreads
- Products: FX, swaps, options, other derivatives
- Volatility: quarterly swings up to ±30% (2024)
Underwriting and Advisory Fees
The bank generates high-margin underwriting and advisory fees by structuring and executing capital markets deals for corporates, including IPOs, bond issues, and M&A advisory; in 2024 Leumi Capital Markets reported roughly ₪420m in fee income, underlining its intermediary role.
- 2024 fee income ~₪420m
- High margins vs retail lending
- Revenue from IPOs, bonds, M&A advisory
NII drives 2024 revenue: NIS 6.1b vs fees NIS 3.1b; q/q volatility ±30%
Net interest income leads (NIS 6.1b, 2024); fee income NIS 3.1b (2024); commissions NIS 1.2b (2024); trading/treasury ~NIS 1.1b (2024); capital markets fees ~NIS 420m (2024); revenue volatility notable q/q ±30% (2024).
| Stream | 2024 (NIS) |
|---|---|
| NII | 6.1b |
| Fees | 3.1b |
| Commissions | 1.2b |
| Trading | 1.1b |
| Cap Mkts | 420m |