BKHYY
Bank Hapoalim B.M.
BKHYY
(3.8)56,83 USD
1.11% ROA
14.31% ROE
6.31x PER
47.718.776.914,20 USD
35.19% DER
4.56% Yield
36.68% NPM
Bank Hapoalim B.M. Stock Analysis
Bank Hapoalim B.M. Fundamental Analysis
Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.
# | Analysis | Rating |
---|---|---|
1 |
ROE
ROE surpassing expectations (15.8%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect. |
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2 |
PBV
The stock's low PBV ratio (0.81x) suggests it's undervalued, making it an attractive opportunity for investors. |
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3 |
DER
The stock has a low debt to equity ratio (50%), which means it has a small amount of debt compared to the ownership it holds |
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4 |
Net Profit Growth
With a track record of consistent net profit growth over the past five years, this company presents a compelling investment opportunity due to its strong financial performance. |
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5 |
Assets Growth
With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity. |
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6 |
ROA
The stock's ROA (1.12%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits. |
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7 |
Revenue Growth
Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice. |
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8 |
Graham Number
The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity. |
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9 |
Dividend
The company's track record of consistently paying dividends in the last three years highlights its dedication to providing investors with regular income. |
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10 |
Buffet Intrinsic Value
The company's stock seems undervalued (638) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price. |
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11 |
Dividend Growth
The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns. |
Bank Hapoalim B.M. Technical Analysis
Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.
# | Analysis | Recommendation |
---|---|---|
1 | Awesome Oscillator | Hold |
2 | MACD | Buy |
3 | RSI | Hold |
4 | Stoch RSI | Sell |
Bank Hapoalim B.M. Price Chart
Financial Statements
Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.
Income Statements
An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.
Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.
Year | Revenue | Growth |
---|---|---|
2004 | 11.286.000.000 | |
2005 | 12.209.000.000 | 7.56% |
2006 | 12.950.000.000 | 5.72% |
2007 | 12.183.000.000 | -6.3% |
2008 | 7.911.000.000 | -54% |
2009 | 9.952.000.000 | 20.51% |
2010 | 11.854.000.000 | 16.05% |
2011 | 13.083.000.000 | 9.39% |
2012 | 13.630.000.000 | 4.01% |
2013 | 13.653.000.000 | 0.17% |
2014 | 14.017.000.000 | 2.6% |
2015 | 14.348.000.000 | 2.31% |
2016 | 14.709.000.000 | 2.45% |
2017 | 14.579.000.000 | -0.89% |
2018 | 13.746.000.000 | -6.06% |
2019 | 13.204.000.000 | -4.1% |
2020 | 13.119.000.000 | -0.65% |
2021 | 14.300.000.000 | 8.26% |
2022 | 17.874.000.000 | 20% |
2023 | 21.192.000.000 | 15.66% |
2023 | 21.311.000.000 | 0.56% |
2024 | 22.928.000.000 | 7.05% |
Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.
Year | Research and Development Expenses | Growth |
---|---|---|
2004 | 0 | |
2005 | 0 | 0% |
2006 | 0 | 0% |
2007 | 0 | 0% |
2008 | 0 | 0% |
2009 | 0 | 0% |
2010 | 0 | 0% |
2011 | 0 | 0% |
2012 | 0 | 0% |
2013 | 0 | 0% |
2014 | 0 | 0% |
2015 | 0 | 0% |
2016 | 0 | 0% |
2017 | 0 | 0% |
2018 | 0 | 0% |
2019 | 0 | 0% |
2020 | 0 | 0% |
2021 | 0 | 0% |
2022 | 0 | 0% |
2023 | 0 | 0% |
2023 | 0 | 0% |
2024 | 0 | 0% |
General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.
Year | General and Administrative Expenses | Growth |
---|---|---|
2004 | 0 | |
2005 | 0 | 0% |
2006 | 0 | 0% |
2007 | 0 | 0% |
2008 | 0 | 0% |
2009 | 0 | 0% |
2010 | 1.518.000.000 | 100% |
2011 | 840.000.000 | -80.71% |
2012 | 843.000.000 | 0.36% |
2013 | 808.000.000 | -4.33% |
2014 | 831.000.000 | 2.77% |
2015 | 887.000.000 | 6.31% |
2016 | 859.000.000 | -3.26% |
2017 | 996.000.000 | 13.76% |
2018 | 1.209.000.000 | 17.62% |
2019 | 1.176.000.000 | -2.81% |
2020 | 904.000.000 | -30.09% |
2021 | 886.000.000 | -2.03% |
2022 | 852.000.000 | -3.99% |
2023 | 0 | 0% |
2023 | 849.000.000 | 100% |
2024 | 0 | 0% |
EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.
Year | EBITDA | Growth |
---|---|---|
2004 | 3.911.000.000 | |
2005 | 5.077.000.000 | 22.97% |
2006 | 5.840.000.000 | 13.07% |
2007 | 4.789.000.000 | -21.95% |
2008 | -618.000.000 | 874.92% |
2009 | 3.094.000.000 | 119.97% |
2010 | 4.447.000.000 | 30.43% |
2011 | 4.311.000.000 | -3.15% |
2012 | 10.782.000.000 | 60.02% |
2013 | 9.666.000.000 | -11.55% |
2014 | 8.041.000.000 | -20.21% |
2015 | 7.895.000.000 | -1.85% |
2016 | 7.668.000.000 | -2.96% |
2017 | 7.554.000.000 | -1.51% |
2018 | 7.979.000.000 | 5.33% |
2019 | 4.021.000.000 | -98.43% |
2020 | 4.245.000.000 | 5.28% |
2021 | 8.489.000.000 | 49.99% |
2022 | 16.589.000.000 | 48.83% |
2023 | 11.040.000.000 | -50.26% |
2023 | 12.092.000.000 | 8.7% |
2024 | 15.292.000.000 | 20.93% |
Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.
Year | Gross Profit | Growth |
---|---|---|
2004 | 11.286.000.000 | |
2005 | 12.209.000.000 | 7.56% |
2006 | 12.950.000.000 | 5.72% |
2007 | 12.183.000.000 | -6.3% |
2008 | 7.911.000.000 | -54% |
2009 | 9.952.000.000 | 20.51% |
2010 | 11.854.000.000 | 16.05% |
2011 | 13.083.000.000 | 9.39% |
2012 | 13.630.000.000 | 4.01% |
2013 | 13.653.000.000 | 0.17% |
2014 | 14.017.000.000 | 2.6% |
2015 | 14.348.000.000 | 2.31% |
2016 | 14.709.000.000 | 2.45% |
2017 | 14.579.000.000 | -0.89% |
2018 | 13.746.000.000 | -6.06% |
2019 | 13.204.000.000 | -4.1% |
2020 | 13.119.000.000 | -0.65% |
2021 | 14.300.000.000 | 8.26% |
2022 | 17.874.000.000 | 20% |
2023 | 21.192.000.000 | 15.66% |
2023 | 21.311.000.000 | 0.56% |
2024 | 22.928.000.000 | 7.05% |
Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.
Year | Net Profit | Growth |
---|---|---|
2004 | 2.089.000.000 | |
2005 | 2.888.000.000 | 27.67% |
2006 | 3.359.000.000 | 14.02% |
2007 | 2.679.000.000 | -25.38% |
2008 | -895.000.000 | 399.33% |
2009 | 1.300.000.000 | 168.85% |
2010 | 2.201.000.000 | 40.94% |
2011 | 2.746.000.000 | 19.85% |
2012 | 2.506.000.000 | -9.58% |
2013 | 2.537.000.000 | 1.22% |
2014 | 2.713.000.000 | 6.49% |
2015 | 3.082.000.000 | 11.97% |
2016 | 2.628.000.000 | -17.28% |
2017 | 2.660.000.000 | 1.2% |
2018 | 2.595.000.000 | -2.5% |
2019 | 1.799.000.000 | -44.25% |
2020 | 2.056.000.000 | 12.5% |
2021 | 4.914.000.000 | 58.16% |
2022 | 6.532.000.000 | 24.77% |
2023 | 6.676.000.000 | 2.16% |
2023 | 7.360.000.000 | 9.29% |
2024 | 8.952.000.000 | 17.78% |
EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.
Year | Earning per Share (EPS) | Growth |
---|---|---|
2004 | 8 | |
2005 | 12 | 27.27% |
2006 | 13 | 15.38% |
2007 | 11 | -30% |
2008 | -3 | 433.33% |
2009 | 5 | 175% |
2010 | 8 | 50% |
2011 | 10 | 20% |
2012 | 10 | -11.11% |
2013 | 10 | 0% |
2014 | 10 | 10% |
2015 | 12 | 9.09% |
2016 | 10 | -22.22% |
2017 | 10 | 10% |
2018 | 10 | -11.11% |
2019 | 7 | -50% |
2020 | 8 | 14.29% |
2021 | 18 | 61.11% |
2022 | 24 | 25% |
2023 | 25 | 4% |
2023 | 28 | 7.41% |
2024 | 9 | -200% |
Cashflow Statements
Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.
Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.
Year | Free Cashflow | Growth |
---|---|---|
2004 | 3.348.000.000 | |
2005 | 3.320.000.000 | -0.84% |
2006 | 3.856.000.000 | 13.9% |
2007 | 2.244.000.000 | -71.84% |
2008 | 8.670.000.000 | 74.12% |
2009 | 3.698.000.000 | -134.45% |
2010 | 3.494.000.000 | -5.84% |
2011 | 3.097.000.000 | -12.82% |
2012 | 12.845.000.000 | 75.89% |
2013 | 3.666.000.000 | -250.38% |
2014 | 1.284.000.000 | -185.51% |
2015 | 11.470.000.000 | 88.81% |
2016 | 18.507.000.000 | 38.02% |
2017 | 19.086.000.000 | 3.03% |
2018 | -1.458.000.000 | 1409.05% |
2019 | 6.786.000.000 | 121.49% |
2020 | 2.118.000.000 | -220.4% |
2021 | 4.292.000.000 | 50.65% |
2022 | -568.000.000 | 855.63% |
2023 | 407.000.000 | 239.56% |
2023 | -1.407.000.000 | 128.93% |
2024 | 1.255.000.000 | 212.11% |
Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.
Year | Operating Cashflow | Growth |
---|---|---|
2004 | 3.930.000.000 | |
2005 | 3.988.000.000 | 1.45% |
2006 | 4.594.000.000 | 13.19% |
2007 | 2.993.000.000 | -53.49% |
2008 | 9.490.000.000 | 68.46% |
2009 | 4.363.000.000 | -117.51% |
2010 | 4.181.000.000 | -4.35% |
2011 | 3.770.000.000 | -10.9% |
2012 | 13.627.000.000 | 72.33% |
2013 | 4.490.000.000 | -203.5% |
2014 | 1.986.000.000 | -126.08% |
2015 | 12.101.000.000 | 83.59% |
2016 | 19.126.000.000 | 36.73% |
2017 | 19.748.000.000 | 3.15% |
2018 | -775.000.000 | 2648.13% |
2019 | 7.480.000.000 | 110.36% |
2020 | 2.800.000.000 | -167.14% |
2021 | 5.178.000.000 | 45.93% |
2022 | 132.000.000 | -3822.73% |
2023 | 585.000.000 | 77.44% |
2023 | -437.000.000 | 233.87% |
2024 | 1.490.000.000 | 129.33% |
Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.
Year | Capital Expenditure | Growth |
---|---|---|
2004 | 582.000.000 | |
2005 | 668.000.000 | 12.87% |
2006 | 738.000.000 | 9.49% |
2007 | 749.000.000 | 1.47% |
2008 | 820.000.000 | 8.66% |
2009 | 665.000.000 | -23.31% |
2010 | 687.000.000 | 3.2% |
2011 | 673.000.000 | -2.08% |
2012 | 782.000.000 | 13.94% |
2013 | 824.000.000 | 5.1% |
2014 | 702.000.000 | -17.38% |
2015 | 631.000.000 | -11.25% |
2016 | 619.000.000 | -1.94% |
2017 | 662.000.000 | 6.5% |
2018 | 683.000.000 | 3.07% |
2019 | 694.000.000 | 1.59% |
2020 | 682.000.000 | -1.76% |
2021 | 886.000.000 | 23.02% |
2022 | 700.000.000 | -26.57% |
2023 | 178.000.000 | -293.26% |
2023 | 970.000.000 | 81.65% |
2024 | 235.000.000 | -312.77% |
Balance Sheet
Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.
Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.
Year | Equity | Growth |
---|---|---|
2005 | 16.784.000.000 | |
2006 | 18.926.000.000 | 11.32% |
2007 | 19.720.000.000 | 4.03% |
2008 | 19.225.000.000 | -2.57% |
2009 | 20.948.000.000 | 8.23% |
2010 | 23.426.000.000 | 10.58% |
2011 | 24.127.000.000 | 2.91% |
2012 | 27.057.000.000 | 10.83% |
2013 | 29.310.000.000 | 7.69% |
2014 | 31.611.000.000 | 7.28% |
2015 | 33.219.000.000 | 4.84% |
2016 | 34.225.000.000 | 2.94% |
2017 | 36.004.000.000 | 4.94% |
2018 | 37.656.000.000 | 4.39% |
2019 | 38.221.000.000 | 1.48% |
2020 | 39.899.000.000 | 4.21% |
2021 | 42.747.000.000 | 6.66% |
2022 | 46.503.000.000 | 8.08% |
2023 | 52.430.000.000 | 11.3% |
2023 | 50.252.000.000 | -4.33% |
2024 | 55.506.000.000 | 9.47% |
Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.
Year | Assets | Growth |
---|---|---|
2005 | 280.894.000.000 | |
2006 | 282.864.000.000 | 0.7% |
2007 | 302.991.000.000 | 6.64% |
2008 | 306.847.000.000 | 1.26% |
2009 | 309.555.000.000 | 0.87% |
2010 | 320.876.000.000 | 3.53% |
2011 | 356.688.000.000 | 10.04% |
2012 | 376.388.000.000 | 5.23% |
2013 | 380.246.000.000 | 1.01% |
2014 | 407.794.000.000 | 6.76% |
2015 | 431.638.000.000 | 5.52% |
2016 | 448.105.000.000 | 3.67% |
2017 | 454.424.000.000 | 1.39% |
2018 | 460.926.000.000 | 1.41% |
2019 | 463.688.000.000 | 0.6% |
2020 | 539.602.000.000 | 14.07% |
2021 | 638.781.000.000 | 15.53% |
2022 | 665.353.000.000 | 3.99% |
2023 | 686.530.000.000 | 3.08% |
2023 | 675.988.000.000 | -1.56% |
2024 | 685.140.000.000 | 1.34% |
Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.
Year | Liabilities | Growth |
---|---|---|
2005 | 264.110.000.000 | |
2006 | 263.938.000.000 | -0.07% |
2007 | 283.271.000.000 | 6.82% |
2008 | 287.622.000.000 | 1.51% |
2009 | 288.607.000.000 | 0.34% |
2010 | 297.450.000.000 | 2.97% |
2011 | 332.561.000.000 | 10.56% |
2012 | 349.331.000.000 | 4.8% |
2013 | 350.936.000.000 | 0.46% |
2014 | 376.183.000.000 | 6.71% |
2015 | 398.419.000.000 | 5.58% |
2016 | 413.880.000.000 | 3.74% |
2017 | 418.420.000.000 | 1.09% |
2018 | 423.270.000.000 | 1.15% |
2019 | 425.467.000.000 | 0.52% |
2020 | 499.703.000.000 | 14.86% |
2021 | 596.034.000.000 | 16.16% |
2022 | 618.850.000.000 | 3.69% |
2023 | 634.100.000.000 | 2.4% |
2023 | 23.810.000.000 | -2563.17% |
2024 | 19.535.000.000 | -21.88% |
Bank Hapoalim B.M. Financial Ratio (TTM)
Valuation Metrics
- Revenue per Share
- 78.68
- Net Income per Share
- 28.43
- Price to Earning Ratio
- 6.31x
- Price To Sales Ratio
- 2.27x
- POCF Ratio
- -69.92
- PFCF Ratio
- -28.4
- Price to Book Ratio
- 0.86
- EV to Sales
- -1.93
- EV Over EBITDA
- -3.2
- EV to Operating CashFlow
- 59.14
- EV to FreeCashFlow
- 24.15
- Earnings Yield
- 0.16
- FreeCashFlow Yield
- -0.04
- Market Cap
- 47,72 Bil.
- Enterprise Value
- -40,57 Bil.
- Graham Number
- 364.32
- Graham NetNet
- 330.02
Income Statement Metrics
- Net Income per Share
- 28.43
- Income Quality
- -0.09
- ROE
- 0.14
- Return On Assets
- 0.01
- Return On Capital Employed
- 0.01
- Net Income per EBT
- 0.62
- EBT Per Ebit
- 1.34
- Ebit per Revenue
- 0.44
- Effective Tax Rate
- 0.37
Margins
- Sales, General, & Administrative to Revenue
- 0.06
- Research & Developement to Revenue
- 0
- Stock Based Compensation to Revenue
- 0
- Gross Profit Margin
- 1
- Operating Profit Margin
- 0.44
- Pretax Profit Margin
- 0.59
- Net Profit Margin
- 0.37
Dividends
- Dividend Yield
- 0.05
- Dividend Yield %
- 4.56
- Payout Ratio
- 0.29
- Dividend Per Share
- 0.58
Operating Metrics
- Operating Cashflow per Share
- -2.56
- Free CashFlow per Share
- -6.28
- Capex to Operating CashFlow
- -1.45
- Capex to Revenue
- 0.05
- Capex to Depreciation
- 1.35
- Return on Invested Capital
- 0.1
- Return on Tangible Assets
- 0.01
- Days Sales Outstanding
- 0
- Days Payables Outstanding
- 0
- Days of Inventory on Hand
- 0
- Receivables Turnover
- 0
- Payables Turnover
- 0
- Inventory Turnover
- 0
- Capex per Share
- 3.72
Balance Sheet
- Cash per Share
- 403,04
- Book Value per Share
- 2.488,08
- Tangible Book Value per Share
- 2488.08
- Shareholders Equity per Share
- 207.49
- Interest Debt per Share
- 140.6
- Debt to Equity
- 0.35
- Debt to Assets
- 0.03
- Net Debt to EBITDA
- -6.96
- Current Ratio
- 0
- Tangible Asset Value
- 665,61 Bil.
- Net Current Asset Value
- 88,29 Bil.
- Invested Capital
- 111529000000
- Working Capital
- 107,82 Bil.
- Intangibles to Total Assets
- 0
- Average Receivables
- 0,00 Bil.
- Average Payables
- 0,00 Bil.
- Average Inventory
- 0
- Debt to Market Cap
- 0.41
Dividends
Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.
Year | Dividends | Growth |
---|---|---|
2011 | 0 | |
2013 | 0 | 0% |
2014 | 0 | 0% |
2015 | 0 | 0% |
2016 | 0 | 0% |
2017 | 0 | 0% |
2018 | 0 | 0% |
2021 | 1 | 0% |
2022 | 0 | 0% |
2023 | 1 | 0% |
2024 | 0 | 0% |
2025 | 0 | 0% |
Bank Hapoalim B.M. Profile
About Bank Hapoalim B.M.
Bank Hapoalim B.M., together with its subsidiaries, provides various banking and financial products and services in Israel and internationally. It operates through Corporate Banking, Retail Banking, and Financial Markets and International Banking divisions. The company offers account-management services, credit for various purposes, deposits, and savings plans, and capital-market service; securities, and currencies and derivatives trading services; securities custody services; research, consulting, and advisory services; pension advisory and retirement planning services; and housing loans. It also provides credit for routine operations and investment financing, guarantees, letters of credit, foreign trade, and transactions in financial and derivative instruments, as well as investment services in various channels, such as foreign currency, shekels, securities, etc. In addition, the company offers financing for infrastructure projects, foreign trade and international trade financing, and project financing services; foreign trade transactions and transactions in financial derivatives; financing of working capital; syndication; credit-risk sales; financing of construction projects; dealing-room services; federal deposit insurance; and credit cards services. Further, it provides clearing of payment, asset management, investment portfolio management, investment banking, underwriting, and issuance management services. The company serves households, private-banking customers, foreign residents, small businesses, financial-asset managers, middle-market business clients, and large corporations through 175 branches, 601 external and 131 internal automatic teller machines, 126 external and 216 internal check-deposit machines, 30 information stations, 316 self-service stations, and 119 night safes. Bank Hapoalim B.M. was founded in 1921 and is based in Tel Aviv, Israel.
- CEO
- Mr. Yadin Antebi
- Employee
- 8.243
- Address
-
50 Rothschild Boulevard
Tel Aviv,
Bank Hapoalim B.M. Executives & BODs
# | Name | Age |
---|---|---|
1 |
Mr. Amit Oberkovich Head of Human Resources & Member of the Management Board |
70 |
2 |
Mr. Guy Kalif Chief Accountant & Member of the Board of Management |
70 |
3 |
Mr. Yadin Antebi Chief Executive Officer & Member of the Board of Management |
70 |
4 |
Mr. Barry Elram Chief Executive Officer of Hapoalim Switzerland |
70 |
5 |
Mr. Zeev Hayo CPA Head of Banking Services & Member of the Board of Management |
70 |
6 |
Ms. Eti Ben-Zeev Senior Deputy MD, Chief Information Officer, Head of Info. Technology & Member of Management Board |
70 |
7 |
Ms. Merav Ben Cohen Chief Risk Officer, Head of Risk Management & Member of the Board of Management |
70 |
8 |
Dr. Amir Bachar Chief Internal Auditor, Head of Internal Audit in Israel and Abroad & Member of the Board of Mgmt. |
70 |
9 |
Attorney Yael Almog Senior Deputy MD, Chief Legal Advisor & Member of the Board of Management |
70 |
10 |
Mr. Ram Gev Senior Deputy MD. Chief Financial Officer & Member of Management Board |
70 |