Excluding the provision made in connection with the settlement with US authorities, the net return on equity reached 9.3%

• Leumi has met the target of the 3-year efficiency program (2012-2014): the Bank's workforce decreased by 1,001 employees 

• Leumi declares a new 3-year efficiency program (2015-2017): by the end of 2017 the Bank's workforce will decrease by an additional 1,000 employees

• A continuous decrease in salary expenses, also in 2014

• Excluding the provision made in connection with the settlement with US authorities, total operating and other expenses decreased by 4.3%

• The core capital ratio (in Basel lll terms) reached 9.21%, compared with 9.09% as of January 1, 2014

• An increase of 6.6% in credit to middle-market companies in Israel, including the high-tech sector 

• An increase of 4% in credit to small businesses in Israel

•  Leumi will set up a 'Digital Bank' that will operate from the beginning of 2016 as a designated business line, with the aim of allowing customers to manage their banking activities through digitals channels only, with no need for branches. The Digital Bank will be established on an innovative and efficient technological platform, and will reduce account management expenses for customers