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Israel Discount Bank
Company page · Banks

Israel Discount Bank

TASE : DSCTISIN : IL0006912120Headquarters: Tel-AvivBank accounts: Bank of Israel rules · in ₪M

Israel Discount Bank Limited, together with its subsidiaries, provides various banking and financial services in Israel, Europe, and North America. Based in Rishon LeZion.

Price₪33.31+0.9% · session of 12/11/2026
Market cap₪40.8bnprice × number of shares
Next resultsno later than 30/11/2026Quarterly report
1-year price−1.5% over the period
Analysis in brief · H1 2026

Israel Discount Bank: net income stable (−0.8%), credit provisions sharply up (+125.0%), loans up (+9.8%).

  • Net income stable

    Net income (attributable to shareholders): ₪2,133M, vs. ₪2,151M a year earlier, i.e. −0.8%.

    H1 2026
  • Credit provisions sharply up

    Credit loss expenses: ₪252M, vs. ₪112M a year earlier, i.e. +125.0%.

    H1 2026
  • Loans up

    Loans to the public: ₪304,478M, vs. ₪277,326M a year earlier, i.e. +9.8%.

    H1 2026
  • Interest income down

    Net interest income: ₪4,852M, vs. ₪5,075M a year earlier, i.e. −4.4%.

    H1 2026
  • Deposits up

    Deposits from the public: ₪361,422M, vs. ₪339,190M a year earlier, i.e. +6.6%.

    H1 2026
Built automatically from the published figures.
Financial strength

Sector indicators

Capital ratio (CET1) and non-performing loans: taken from the company's report at its next publication.

Valuation

What the market pays, vs. the sector

P/E9.9Sector median: 10.4
P/B1.2Sector median: 1.5
Dividend yield4.8%dividends over the last 12 months / price
12-month range₪29.50 – ₪37.91monthly closes

This company's valuation multiples history is being built day by day from now on.

P/E calculated on net income (trailing 12 months: last fiscal year + H1 2026 − same period a year earlier). Sector median: companies in the Israeli banks group tracked here. Prices: Yahoo Finance; market cap cross-checked with the Tel Aviv Stock Exchange for Israeli stocks. These ratios describe a price, not a value: none of them says whether the share is expensive or cheap.

Dividends

Dividend per share, over 5 years

₪0.122021₪0.502022₪0.852023₪0.932024₪1.342025₪1.122026 (to date)

Total dividends per share paid each calendar year (5 year(s) out of 5 with a payment). Source: Yahoo Finance. The current year is not complete.

Insiders

Trades by executives and interested parties

10 filing(s) over 12 months · on shares: 4 increase(s) and 0 decrease(s) in holdings.

DateHolderSecurityDirectionQuantityPrice
20/10/2026AVNER IRIS
Director		SharesUp735₪0.30Maya ›
19/10/2026FISHER ELAD AVSHALOM
Executive		OptionsDown85,757₪34.47Maya ›
24/09/2026BRIN WIESS HADAR
Executive		OptionsDown104,651₪35.05Maya ›
15/09/2026KEINAN EFRAT
Executive		OptionsDown64,357₪36.21Maya ›
14/07/2026AVNER IRIS
Director		SharesUp856₪0.30Maya ›
18/05/2026AVNER IRIS
Director		SharesUp1,015₪0.30Maya ›
18/05/2026AVNER IRIS
Director		SharesUp1,015₪0.30Maya ›
17/05/2026LEVI AVRAHAM
Director		OptionsUp26,239—Maya ›
13/05/2026NIR ABEL
Executive		OptionsUp64,619—Maya ›
18/11/2025FISHER ELAD AVSHALOM
Executive		OptionsDown85,757₪33.96Maya ›

Filings submitted on Maya (executives, directors, shareholders above 5%). An increase or decrease in holdings may come from a purchase or sale on the exchange, but also from a grant or exercise of options (price "—": grant with no price). Bonds excluded. For details, see the filing on Maya.

Same sector · Israeli banks

P/E ranking

Israel Discount Bank is 5e Out of 5: one of the lowest P/Es in the group.

  1. 1First International Bank10.6
  2. 2Bank Leumi10.5
  3. 3Mizrahi Tefahot10.4
  4. 4Bank Hapoalim10.3
  5. 5Israel Discount Bank9.9

P/E = market cap / net income over the last 12 months: how many years of earnings the market pays today. From highest to lowest; group median: 10.4. A high or low P/E alone does not say whether a share is expensive.

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Every report from a TA-125 company, analyzed the same day: key figures and year-on-year change, analysis in brief, share price reaction. One daily summary during earnings season.

Detailed figures and history
The figures

Financial summary

S1 2026S1 2025FY 2025
Total assets483,460461,005478,146
Cash and bank deposits49,12559,24565,536
Securities79,79077,34578,632
Loans to the public304,478277,326288,805
Equity attributable to shareholders34,78832,87533,809
Deposits from the public361,422339,190359,480
Deposits from banks6,2554,7584,896
Net interest income4,8525,07510,001
Credit loss expenses−252−112−450
Non-interest income1,7371,6643,313
Operating expenses3,0333,1956,556
Pre-tax income3,3043,4326,308
Net income (attributable to shareholders)2,1332,1514,140
Dividends paid−893−626−1,638
Operating cash flow−1,7592,9056,671

In millions of shekels. The "H1" columns cover the first six months of the year.

Ratios

Calculated from these figures

S1 2026S1 2025FY 2025
Return on equity (annualized)12.3%13.1%12.2%
Cost-to-income ratio46.0%47.4%49.2%
Equity / total assets7.2%7.1%7.1%
Cost of risk (annualized; negative = provision release)0.2%0.1%0.2%
Loans / deposits from the public84.2%81.8%80.3%

The 5-year history, charts and cross-check models are coming for companies listed only in Tel Aviv: each new filing on Maya is kept and enriches the page. The Piotroski, Beneish and Altman models do not apply to banks.

Company overview

Israel Discount Bank Limited, together with its subsidiaries, provides various banking and financial services in Israel, Europe, and North America. The company operates through Retail Banking, Middle Market Banking, Corporate Banking, Financial Operations, Discount Capital, Discount Bancorp, and Other segments. Its personal banking services include checking accounts, deposits and savings products, loans, mortgages, credit cards, pension advice, capital market products, and tax exemption services. The company's business banking services comprise lending of securities, credit facilities, short- and long-term deposits, OTC trading, and brokerage and transaction room services; foreign securities; interest products; foreign exchange products; and consulting for investment, pension, and mortgage services. In addition, it provides Israeli private banking and international banking.

Source: official company profile (Yahoo Finance), summary. Website: www.discountbank.co.il

Sources
Information, no recommendation. This site presents figures published by companies and calculations based on those figures. It is not investment advice, nor a recommendation to buy or sell, nor a valuation of the companies. Always check the original reports.