Earns mainly net interest margin from mortgages, consumer credit and real-estate project finance funded by retail savings and deposits, supplemented by fees from prepaid cards, loan syndication and servicing, and securities activity.
Geographic Exposure
IsraelN/A
Revenue Drivers
Mortgage, consumer and project lending
Net interest margin on mortgages, consumer credit and real-estate finance, plus credit fees
CORE74.3%
Loan syndication, sales and servicing
Syndication fees, gains on loan portfolio sales and fees for servicing sold portfolios
PERIPHERAL8.8%
Prepaid cards
Fees from issuing and operating rechargeable prepaid cards
PERIPHERAL6.6%
Treasury, FX and ALM
Conversion-difference fees, FX, derivatives, securities results and bond repurchase gains
PERIPHERAL5.4%
Securities and financial product distribution
Securities activity fees, financial product distribution and insurance commissions
PERIPHERAL2.7%
ATM and other banking fees
Fees from automated machines and other unspecified banking fees
PERIPHERAL2.2%
End Markets
Households
Israeli residents
Foreign residents
Real-estate developers
Specializations
Banking holding corporation under a central-bank control permitReal-estate project escort (construction finance) feesCredit portfolio sales with retained servicingJoint housing loan syndicationBond issuance through a dedicated financing subsidiary
