The bank provides a variety of banking & financial services.
Bank Jerusalem in 2025 no longer relies mainly on net interest spread. It is increasingly a platform that originates credit, transfers part of it outward, retains servicing and fee economics, and manages capital much more actively.
Bank Jerusalem already operates as an originate-distribute-service credit platform rather than only a balance sheet that holds mortgages, and the economic value now comes from the mix of sale gains, syndication fees, and servicing income alongside capital relief.
Bank Jerusalem still has room to grow in 2026, but that room now rests on active capital management: a new 10.25% CET1 target, a 40% payout on 2025 earnings, the January 2026 Directive 206 uplift, and loan sales that are meant to release capital.
