Bank Leumi Stock Price, News & Analysis

Bank Leumi le-Israel (OTC: BLMIF) is associated with Bank Leumi, a commercial banking group in the finance and insurance sector. According to recent public announcements, Bank Leumi is traded on the Tel Aviv Stock Exchange under the symbol LUMI and reports detailed financial and capital metrics to investors through regular quarterly and annual disclosures.

The bank presents itself as focusing on responsible growth in its loan portfolio in what it calls strategic segments: corporate, commercial and mortgage credit. Across multiple reporting periods, Bank Leumi highlights growth in net credit to the public, housing loans, credit to small businesses, middle-market credit and corporate credit, alongside increases in deposits by the public, deposits by retail customers and deposits by small businesses.

Bank Leumi’s disclosures emphasize loan portfolio quality, repeatedly noting a low non-performing loans (NPL) ratio and a low rate of troubled debts relative to the broader banking system. The bank also reports on loan loss expenses as a percentage of average outstanding loans to the public, describing these provisions as collective and linked to geopolitical and economic uncertainty, including the impact of war.

Capital strength and liquidity are recurring themes in the bank’s communications. Bank Leumi reports common equity Tier 1 (CET1) capital ratios, total capital ratios, leverage ratios and liquidity coverage ratios, and describes these indicators as robust. The bank also reports an efficiency ratio and return on equity (ROE) for each period, and in its 2024 results it noted that its efficiency ratio was the lowest among Israeli banks, based on its own comparison.

Bank Leumi regularly returns capital to shareholders through a combination of cash dividends and share buybacks. In its public releases, the bank quantifies capital return as a percentage of net income for the quarter or year, and describes a policy of distributing a defined share of profits. For the years 2025–2026, the bank has communicated financial targets that include annual net income ranges, target ROE, a minimum capital return as a percentage of net income, and targeted annual growth in the loan portfolio.

The bank’s communications also describe a wide range of initiatives related to war-time conditions in Israel. These include financial relief programs for IDF soldiers and reservists, households whose homes or properties have been damaged and evacuated, business owners and self-employed customers, as well as residents of southern and northern confrontation lines. The relief measures reported include exemptions or reductions in interest on overdrafts, exemptions from mortgage and loan payments for eligible customers, deferrals of payments, grants, interest on positive current account balances and exemptions from common current account fees.

Alongside these financial measures, Bank Leumi reports substantial donations and dedicated projects for affected communities, such as multi‑year assistance to Kibbutz Be'eri, the "National Harvest" project supporting farmers with student volunteers, the "Leumi Matriculation" initiative to help youth prepare for matriculation exams, the "Bank Leumi Wedding Project" for reservist couples, and a "National Recognition Project" funding vacations in northern Israel for individuals who led significant voluntary initiatives during the war.

In capital markets activity, Bank Leumi has announced that it issues debt securities and holds conference calls and webcasts for analysts and investors when publishing its financial results. In one notable transaction, Bank Leumi reported that it became the first bank in Israel to issue covered bonds abroad to foreign investors. The bank described covered bonds as instruments backed by a mortgage portfolio, noted that this structure is widely used internationally, and stated that the issuance was backed by a stable and diversified pool of underlying assets. The bank also highlighted that the covered bond series received ratings from Fitch and Moody’s that were higher than those assigned to the State of Israel’s most recent bond issuance, and that the bonds are expected to be listed on the institutional trading platform of the Tel Aviv Stock Exchange.

Bank Leumi frequently characterizes its efficiency ratio as being among the best in the global financial system and refers to itself as Israel’s leading bank in the eyes of foreign investors, citing the demand and ratings achieved in its covered bond issuance. Across its disclosures, the bank stresses a combination of profitability, capital strength, loan portfolio quality and shareholder distributions, while also describing its social and relief activities during periods of conflict.

Business focus and financial profile

Based on the information in its public releases, Bank Leumi operates as a commercial bank that reports net interest income, non‑interest income, loan loss expenses, operating and other expenses, profit before tax, tax provisions and net income attributable to shareholders. It emphasizes return on equity, earnings per share, capital ratios, liquidity coverage, and the relationship between net loans to the public, deposits by the public and total assets.

The bank tracks and discloses growth rates in key balance sheet items, including shareholders’ equity, net loans to the public, deposits by the public and total assets. It differentiates between retail customers, small businesses, middle‑market customers and corporate credit (including real estate), and reports separate figures for housing loans (mortgages). These disclosures indicate that Bank Leumi serves multiple customer categories across the commercial banking spectrum.

Capital markets communication

Bank Leumi regularly announces the dates on which it will release quarterly and annual financial results and organizes conference calls and webcasts for analysts and investors. These events are hosted by senior management, including the head of the finance division and the head of the capital markets division, and sometimes the president and CEO. The bank notes that presentations used in these events are published on the Israeli Securities Authority’s MAGNA reporting website and on its own investor relations pages, and that archived recordings of webcasts are made available after the events.

In its communications, Bank Leumi explicitly states that these calls and webcasts do not replace the need to review its latest periodic and quarterly reports, which contain full information, including forward‑looking information as defined in the Israeli Securities Law.

Social and relief activities

Across several reporting periods, Bank Leumi describes a broad set of relief and support activities linked to war‑related conditions in Israel. These include financial relief programs for affected customers, donations to residents of confrontation lines, support for IDF soldiers on active and reserve duty, and contributions to hospitals and first responder and aid organizations. The bank also reports on targeted projects designed to support rehabilitation of southern Israel and other populations affected by the war.

Stock and trading context for BLMIF

On Stock Titan, the symbol BLMIF provides a way for investors to track information related to Bank Leumi le-Israel in the context of commercial banking and the finance and insurance sector. While the detailed financial and operational data are reported under the TASE symbol LUMI, BLMIF is used in over‑the‑counter trading contexts and in international data feeds. Investors researching BLMIF can use the company’s published financial statements, capital metrics, loan portfolio data and capital return policies as described in its public announcements.