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Revenue Performance
Profitability and Margins
Operational Highlights
Bank Leumi achieved significant expansion in its credit portfolio, which grew by 14.1% year-over-year to NIS 520 billion, significantly outpacing its baseline strategic growth targets. This expansion was strategically concentrated, with corporate lending surging 20.5%, commercial credit expanding 6.2%, and the mortgage portfolio growing 6.9%. Asset quality indicators remained highly favorable, as the non-performing loan ratio declined to 0.40% at year-end, down from 0.50% the prior year, alongside a low annual credit loss expense rate of 0.09%. The bank concluded the year with a highly resilient balance sheet, maintaining a Common Equity Tier 1 capital ratio of 12.05% and a robust liquidity coverage ratio of 127%.
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