Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N
POLI.TA - Bank Hapoalim BM
Q3 2025 Bank Hapoalim BM Earnings Call
Nov 20, 2025 / 03:00PM GMT
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Presentation
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4% and the NPL ratio has declined further to 0.49%. On slide 4.
We see the development of profitability over time.
On a quarterly basis, net profit was 2.8 billion shekel, and return on equity is 17.6%. Excluding the aforementioned income from insurance, net profit profit was 2.4 billion shekel, and return on equity is 15.2%. EBS came in at 2.1 shekel or 1.81 shekel on an adjusted basis.
Next, let's talk about our credit book.
Our credit portfolio increased 11.4% in the last 12 months, of which 8.1% since the beginning of the year and 2.2% in the last quarter.
Rough Was recorded across all segments and in various economic sectors.
This is a reflection of our ability as a leading bank
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