Generates income from retail and commercial banking (net interest income and fees) across households and businesses, supplemented by credit card issuance/acquiring, capital markets/trading activities, and overseas commercial/private banking.
Geographic Exposure
Israel90.65%
North America9.34%
Europe0.01%
Revenue Drivers
Household retail banking
banking services for individuals including deposits, loans, and mortgages
CORE45.5%
Small and micro business banking
banking and credit services for small and micro businesses
SIGNIFICANT20.3%
Large corporate banking
corporate banking services including credit and relationship banking
SIGNIFICANT13.2%
Overseas commercial & private banking
commercial banking and private banking through overseas banking subsidiary
PERIPHERAL9.3%
Mid-market business banking
banking and credit services for medium-sized businesses
PERIPHERAL5.6%
Treasury and financial management
trading, securities activity, ALM, and group financial management
PERIPHERAL2.8%
Private banking services
banking and advisory services for affluent clients
PERIPHERAL2.7%
Institutional banking services
banking services for institutional entities and financial institutions
PERIPHERAL0.5%
End Markets
Retail customers (households)
High-net-worth individuals (private banking)
Small and micro businesses
Mid-market companies
Large corporates (incl. real estate & construction)
Institutional investors
Specializations
Digital banking and direct channelsSyndicated lending (syndications unit)Trade finance and foreign trade servicesReal estate and construction project financeInfrastructure project finance (PPP)Dealing room OTC trading (FX/rates)+2 more
