The bank provides a variety of banking & financial services.
Hapoalim ended 2025 from a position of strength, but 2026 will be judged less on record profit and more on whether the bank can hold together credit growth, margin resilience and a richer payout without tightening capital too much.
The 2025 paradox at Hapoalim is that provision for credit losses rose sharply even as headline credit-quality metrics stayed strong, because the bank chose to build a thicker collective cushion on a fast-growing book and keep a conservative macro stance rather than because the i…
Hapoalim's 2025 financing margin was more durable than the headline suggests because ex-CPI regular financing income kept rising, but that durability now sits on a deposit base that has started to erode at the margin and on rate sensitivity where a 1% cut hurts more than a 1% hi…
Hapoalim is not short of capital, but the CET1 room left after credit growth and distribution is much tighter than the 11.98% headline suggests.
Bank Hapoalim's issuance and redemption sequence between December 2025 and March 2026 shows a wholesale funding stack that is being actively managed as a portfolio: split across local and international markets, built in both shekel and dollar maturities, and simplified by trimmi…
