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Bank Leumi Le-Israel B.M. (LUMI) investor relations material
Bank Leumi Le-Israel B.M. Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary18 Nov, 2025
Executive summary
Net profit for Q3 2025 was ILS/NIS 2.7 billion, with ROE at 16.3% and a 27% cost-income ratio, reflecting strong profitability and efficiency.
Maintained high and stable performance, with cost efficiency, improved credit quality, and responsible loan growth.
Board approved an increase in the internal CET1 capital target to 10.85% as of November 2025.
Announced a combined dividend and buyback of ILS/NIS 2 billion, representing 75% of net profit.
On track to meet 2025 and 2026 financial targets as per strategic plan.
Financial highlights
Net income for Q3 2025 was ILS/NIS 2.7 billion; ROE at 16.3% for the quarter and 16.0% year-to-date.
Cost-to-income ratio improved to 27% in Q3 2025, down from 31.1% in Q3 2024.
Credit loss expenses dropped to 0.03% of gross loans, among the lowest in the sector.
EPS increased nearly 20% year-over-year in Q3 2025.
Book value per share rose 2.7% in the quarter, up 12.7% year-over-year to ILS 45.
Outlook and guidance
On track to meet 2025 and 2026 financial targets, including net profit of NIS 9-11 billion per year, ROE of 15-16%, and credit growth of 8-10%.
Capital return target set at a minimum of 50%, subject to regulatory approval.
Expectation of Bank of Israel interest rate reduction; a 1% decrease would impact results by ILS 8 million, or 0.8% ROE.
Cost-to-income ratio expected to be maintained at current strong levels through technology and cost control.
Continued focus on responsible loan portfolio growth in corporate, commercial, and mortgage segments.
War relief impact on future profitability
Sustainability of low loan loss expenses?
Drivers of efficiency ratio improvement?
What is the outlook for credit loss provisions?
What is the ROE impact of a 1% rate cut?
What drives continued cost-to-income leadership?
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Next Bank Leumi Le-Israel B.M. earnings date
Q4 20253 Mar, 2026
Next Bank Leumi Le-Israel B.M. earnings date
Q4 20253 Mar, 2026
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Frequently asked questions
Bank Leumi Le-Israel B.M., more commonly known as Bank Leumi, is an established Israeli bank offering a comprehensive range of personal, business, and private banking solutions. Bank Leumi's product portfolio encompasses deposits, loans, pension savings, credit cards, and foreign currency accounts, among others. The bank also provides private banking, online banking, international finance and trade, asset and liability management, and clearing services. Additionally, it offers underwriting, trust and custody services, brokerage, forex trading, mobile banking, and advisory services. The company is headquartered in Tel Aviv, Israel, and its shares are listed on the Tel Aviv Stock Exchange.
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