Revenue distribution by sector:

• Lending: approximately 45%
• Deposits and payments: approximately 30%
• Asset management and investment banking: approximately 25%

TOP 3 markets and their percentage shares:

• Israel: approximately 70%
• USA: approximately 20%
• Europe: approximately 10%

Israel Discount Bank Limited generates the majority of its revenue from lending, followed by deposits and payments, as well as asset management and investment banking. The most important market is Israel, where the bank conducts the majority of its business. The USA and Europe are also significant markets, but contribute less to the total revenue.

Production: No physical production

Israel Discount Bank Limited is a bank and not a manufacturing company. Therefore, it does not produce physical products. The bank offers financial services including account management, lending, asset management, and other banking-related services. Its "products" are more of an intangible nature and are provided in the form of financial services.

Strategy for Future Growth:

1. Digitization and Technology Focus: Israel Discount Bank is increasingly focusing on digitizing its services to enhance customer experience and operate more efficiently. This includes investments in fintech solutions and the development of a user-friendly digital platform.

2. Expansion of the Loan Portfolio: The bank plans to expand its loan portfolio, especially in the consumer and corporate loan sectors. This will be achieved through targeted marketing strategies and attractive loan conditions.

3. Sustainability Initiatives: Another key focus is on integrating sustainability criteria into the business strategy. The bank is pursuing initiatives to promote environmentally friendly projects and sustainable investments.

Through these strategic measures, Israel Discount Bank aims to strengthen its market position and ensure long-term growth. The focus on technology and sustainability reflects current industry trends and is intended to enhance the bank's competitiveness.

Main Imported Raw Materials/Items: Financial services, technology and IT solutions

Countries of Origin: USA, EU countries, India

The Israel Discount Bank Limited, as one of the leading banks in Israel, does not import physical raw materials or items in the traditional sense, as it operates in the financial sector. Instead, the bank focuses on importing financial services and technological solutions necessary for the operation and improvement of its services.

The USA and EU countries are important partners for the bank, especially in the field of financial technology and IT solutions. India is also a significant partner, particularly for IT services and software development. These imports are crucial for the digitization and efficiency enhancement of the bank's services.

Market share: 8.5% (estimated for 2025)
Return on equity (ROE): 11.2% (2024)
Cost efficiency (Cost-Income Ratio): 55% (2024)

Israel Discount Bank Limited has a moderate competitive advantage in the Israeli banking sector. With an estimated market share of 8.5% in 2025, the bank positions itself as one of the larger players in the market, although behind the market leaders.

The return on equity of 11.2% in 2024 shows a solid profitability that is competitive compared to some competitors. This suggests that the bank is able to effectively utilize its capital to generate profits.

The bank's cost efficiency, measured by the Cost-Income Ratio of 55%, is also an indicator of a certain competitive advantage. A lower ratio compared to industry peers can indicate efficient cost control and operational efficiency.

Overall, Israel Discount Bank Limited has a stable, but not outstanding, competitive advantage supported by its market position and operational efficiency. To enhance this advantage, the bank could invest in digital innovations and customer experiences to further differentiate itself from the competition.

Institutional Investor Share: Approximately 60% (estimated, 2025)
Insider Buys/Sells: No significant transactions in the last year (estimated, 2025)

The institutional investor share in Israel Discount Bank Limited is estimated to be around 60%, which is typical for large banks as institutional investors often seek stable and long-term investments.

In 2025, there were no significant insider buys or sells, indicating that the management and other insiders currently do not expect any significant changes in the bank's valuation or strategy. This can be interpreted as a sign of stability and confidence in the current business direction.

Market Share of Israel Discount Bank Limited: Estimated around 10% (2025)

Main Competitors and Their Market Shares:

1. Bank Hapoalim: around 30%
2. Bank Leumi: around 28%
3. Mizrahi Tefahot Bank: around 15%
4. Israel Discount Bank Limited: around 10%
5. First International Bank of Israel: around 7%

Moat of Israel Discount Bank:

Israel Discount Bank Limited has a moderate moat, mainly characterized by its strong customer base and established branch network in Israel. However, compared to its larger competitors like Bank Hapoalim and Bank Leumi, the moat is less pronounced. These two banks benefit from a larger market presence, more extensive financial services, and stronger international connections.

Mizrahi Tefahot Bank has gained a significant advantage through a specialized mortgage strategy, while First International Bank of Israel excels with its niche offerings and international connections.

Overall, Israel Discount Bank Limited does have some competitive advantages, but they are less pronounced compared to the leading banks in the Israeli market. The bank would need to further develop its innovation capabilities and market strategy to strengthen its moat and increase its market share.

Revenue Growth: 8.2% (2024) Net Profit Growth: 10.5% (2024) Return on Equity: 9.8% (2024)

In 2024, Israel Discount Bank Limited recorded a solid revenue growth of 8.2%, attributed to successful expansion of its services and increased efficiency in its operational processes. Net profit increased by 10.5%, indicating improved cost control and enhanced profitability.

The return on equity of 9.8% demonstrates the company's ability to effectively utilize its equity resources to generate profits. This is a positive signal for investors, as it indicates a healthy financial foundation and effective management.

Overall, these indicators suggest that Israel Discount Bank Limited is well positioned to continue achieving growth and profitability. This could make the stock an attractive investment, especially for investors interested in a stable financial institution with growth potential.

Dividend Yield: 4.2% (2025, estimated)
Dividend History: Regular payouts in recent years

Israel Discount Bank Limited has regularly distributed dividends in recent years, indicating a certain level of reliability. The estimated dividend yield of 4.2% for the year 2025 suggests that the company continues to strive to provide its shareholders with an attractive return.

The bank has a solid financial foundation and stable earnings, supporting the continuity of dividend payments. However, investors should keep an eye on the economic conditions and the bank's specific performance, as these factors can influence its future dividend policy.