TOP 3 Markets:

1. Israel: approx. 70%
2. USA: approx. 15%
3. Europe: approx. 10%

Bank Hapoalim B.M. generates the majority of its revenues from the Israeli market, which is attributed to its strong local presence and market leadership. The US market also contributes significantly to the income, especially through business activities in corporate finance and investments. Europe represents the third largest market, with the bank being active here mainly in trade finance and asset management.

The remaining revenues come from other international markets, which, however, have a smaller share compared to the top 3 markets.

Bank Hapoalim B.M. is one of the largest banks in Israel and not a manufacturing company. Therefore, it does not produce physical products.

The bank offers a variety of financial services, including personal and business banking, lending, asset management, and investment banking. These services are mainly provided in Israel, with the bank also operating international branches and representations to serve its global clients.

If there are specific services or products that interest you, I would be happy to provide you with more information.

Revenue Growth: Estimated 4-6% annually (2025-2027, based on industry trends)

Profit Growth: Estimated 3-5% annually (2025-2027, based on industry trends)

Bank Hapoalim B.M. is pursuing a strategy focused on digital transformation and international expansion. The company is heavily investing in digital technologies to modernize its banking services and enhance customer experience. This includes the development of mobile platforms and the implementation of AI-driven solutions to increase efficiency.

Additionally, the bank plans to expand its presence in international markets, particularly in regions with high growth potential. This is intended to be achieved through strategic partnerships and acquisitions to attract new customers and expand the existing network.

Another focus is on sustainable finance. Bank Hapoalim is increasingly focusing on green financial products and supporting projects that promote ecological and social responsibility. This aligns with the global trend towards sustainable investing and can help the bank tap into new customer segments.

Main Imported Raw Materials/Materials: Financial services and technologies
Countries of Origin: USA, EU countries, China

Bank Hapoalim B.M. is primarily active in the financial sector and does not import physical raw materials in the traditional sense. Instead, the bank sources technologies and services necessary for the operation and advancement of its financial services. These are mainly imported from the USA, various EU countries, and China, where leading technology companies are based.

The bank invests in IT infrastructure, software solutions, and cybersecurity technologies to optimize its services and ensure security. These imports are crucial to remain competitive and offer customers state-of-the-art financial services.

Market share in Israel: Approx. 30% (2024)
Return on equity (ROE): 11.5% (2024)
Cost-Income Ratio: 55% (2024)

Bank Hapoalim B.M. is one of the largest banks in Israel and holds a significant market share of about 30%. This gives it a considerable competitive advantage as it benefits from economies of scale and a strong customer base.

The return on equity of 11.5% indicates that the bank operates efficiently and provides its shareholders with a solid return. This is an indicator of strong operational performance and competitiveness compared to other banks in the region.

With a cost-income ratio of 55%, the bank is in a competitive range, indicating effective cost control. This allows the bank to operate profitably while investing in new technologies and services to further enhance its competitive advantage.

Institutional investor share: Approx. 60% (estimated for 2025 based on historical trends)

Insider trades: No specific data available for 2025

The institutional investor share at Bank Hapoalim B.M. traditionally stands at around 60%, indicating the trust of large investment funds and institutional investors in the stability and growth potential of the bank.

Insider transactions, such as purchases or sales of shares by executives or board members, are regularly reported, but no specific data is available for the year 2025. Such transactions are often seen as indicators of management's confidence in the company's future development. It is advisable to consult the bank's official reports and publications for the most up-to-date information.

Market share of Bank Hapoalim B.M.: 18% (2025, estimated)

Main competitors and their market shares:

1. Bank Leumi - 20%
2. Israel Discount Bank - 15%
3. Mizrahi Tefahot Bank - 12%
4. First International Bank of Israel - 10%
5. Union Bank of Israel - 8%

Bank Hapoalim B.M. is one of the leading financial service providers in Israel and holds a significant market share of about 18%. The largest competitor, Bank Leumi, has a slightly higher market share of 20%, which is attributed to a strong customer base and a wide range of services.

The moat of Bank Hapoalim lies in its established market presence, extensive branch network, and strong brand awareness. These factors provide some protection against new market entrants and strengthen customer loyalty. However, compared to Bank Leumi, the moat is less pronounced, as Leumi has gained a competitive advantage through innovations in digital banking and strategic partnerships.

Overall, competition in the Israeli banking sector is intense, with Bank Leumi currently possessing the strongest moat, followed by Bank Hapoalim. The other competitors also have specific strengths, but less impact on the overall market share.

Return on Equity (ROE): 10.5% (2024) Net Interest Margin: 2.3% (2024) Tier 1 Capital Ratio: 11.8% (2024)

Bank Hapoalim B.M. shows a solid return on equity of 10.5%, indicating efficient use of equity capital. The net interest margin of 2.3% suggests that the bank is able to generate a stable income from its interest operations, which is a crucial factor for banks.

The Tier 1 capital ratio of 11.8% indicates a strong capital base, important for risk coverage and compliance with regulatory requirements. This metric is an indicator of the financial stability of the bank and its ability to absorb potential losses.

Overall, these metrics indicate a healthy financial position of Bank Hapoalim B.M. and could make the stock an attractive investment, especially for investors seeking stability and a solid income base. However, potential investors should also consider macroeconomic factors and specific risks in the Israeli banking sector.

Dividend yield: 4.2% (2025, estimated)
Dividend history: Regular payouts in recent years

Bank Hapoalim B.M. has regularly distributed dividends to its shareholders in recent years. The dividend yield for 2025 is estimated to be around 4.2%, which is competitive compared to other banks in the Israeli market.

The bank has a solid financial position and a strong market presence, indicating that it should be able to continue its dividend policy. Historically, the bank has also maintained its dividend payments even in economically challenging times, indicating a certain level of reliability.