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Group Profile

The FIBI Group at the Forefront of Banking and Finance in Israel

The First International Bank of Israel (FIBI) is among Israels five largest banking groups. FIBI Group provides a wide range of financial products and services to customers with the highest standards of professionalism and service. FIBI group includes the parent company, First International Bank, and its banking subsidiaries in Israel: Otsar Ha-Hayal Bank and Massad Bank. Together, the three banks operate a network of 165 branches. FIBI has assets of approximately NIS 130 billion and maintains stable capital base that is among the largest in the banking system and indicative of the Groups financial strength.

FIBI Group
The Group focuses on several segments of activity: corporate banking, capital market activity and investment consultancy and private banking. In these segments, the bank enjoys distinctive advantages reflected in the highly professional and skilled staff as well as technical advantages in the form of most advanced information and customer service technological systems.
In addition, the Bank consistently strives to increase its market share in the retail, household sector, an effort resulting over the years in significant progress, with the acquisition of two retail banks: Otsar Ha-Hayal, a bank focusing on services to household customers with particular expertise regarding services to defense industry personnel; and Massad, a bank specializing in services to teaching personnel. Customers of these banks form a most significant retail customer base. Also FIBI Bank, inter alia through the Poaley Agudat Israel group, a leading brand name in orthodox and ultra-orthodox community banking, places an emphasis on retail banking in the different segments of operation: investment consulting, deposits, consumer credit, mortgage loans, credit cards, and more.
The First International Bank Group offers a wide range of banking services by means of sophisticated and unique direct service channels, enabling the customer to conduct transactions and obtain information rapidly and efficiently via the Groups Internet site, by mobile phone as well as via the Banks Call Center. The Bank promotes innovation by integrating products and technologies produced by startup companies, alongside its current activity for the in house development of products and technologies by the Banks IT group. The fintech operations of the Bank is focused on and adapted to its strategic focus points, and as part of the investing in you strategy of the Bank, emphasis is put on solutions that might be integrated with interfaces regarding customers, thus improving customer experience and granting him added value.

The Corporate Segment
FIBI provides advanced banking and financial services to large corporations in the Israeli market. The Bank is experienced and highly proficient in the management and financing of significant large-scale transactions, and many of the large and leading corporations in the market are customers of the Bank. The Bank also emphasizes its activity among middle-market customers. FIBI offers customers of the corporate-commercial sector credit solutions adapted to their needs, based on its segmental expertise. The Bank conducts a cautious and responsible credit policy, holding a diversified and high-quality credit portfolio, constituting an important layer of the financial stability of the Bank. The Bank also offers to customers of the corporate and commercial sector foreign trade services and foreign trade guarantees, which include solutions for importers, exporters and international transactions, the financing of capital market operations and foreign currency investment management. The Banks foreign currency dealing room is one of the leading, professional and competitive dealing rooms in Israel.

The Retail Segment
The First International Bank is expanding its activity in the retail segment and is offering households advanced services in the areas of current account management, credit, investment advice, savings, pension advice, mortgages and more. The Bank provides its customers with a wide range of advanced service channels, with an emphasis on direct banking channels such as the internet, mobile phone applications and automatic service machines, which ensure that service is available rapidly and effectively 24 hours a day.
FIBI Group leads in providing services to diverse populations, such as the defense forces through its subsidiary, Otsar Ha-Hayal Bank; The Teachers and Faculty community through its subsidiary Massad Bank, which is considered the teachers bank and the religious-orthodox community through Pagi branches.

Capital Market and Private Banking  
The First International Bank is one of the market leaders in capital markets activity, Israeli and foreign securities, financial derivatives, trading rooms and various investment products.
It enjoys an excellent reputation for its professional investment advisory services, due to the professionalism of its investment consultants, who provide high-class service at the branches of the Bank, and also due to the advanced consulting systems. The Bank specializes in creating solutions and high-quality financial products, adapted to the needs of its customers and to their risk appetite, and demonstrates innovation and leadership in creating products and services in the field of consultancy. All this while monitoring changes in the capital and financial markets and in customer taste, and the current adaptation of the portfolio to these changes. These skills are supported by operational and logistical systems that are among the most advanced of their kind.
The First International Banks leading status in investment consultancy is also apparent in the area of pension advice. The Bank provides objective pension advice to its customers by means of specialist pension consultants and unique and advanced consultancy systems.
Private banking has always been a significant segment for FIBI Group. It is considered to be one of the groups strengths, both through the First International Bank of Israel and through UBank, which specializes in private banking and in the capital market. The banks leadership in the capital market and in the investment consulting market enables maximization of service and consultancy level to private banking customers.

FIBI for the Community We Believe in You Program
FIBIs flagship project for the community We Believe in You is a continuation project to Turning Point (Nekudat Mifne), which was established by the Bank in 2006 in cooperation with the Matan organization. The project combines diverse activities in various areas to different segments and populations, including youth at risk, weak populations from central and peripheral areas and to various segments of the community.
The principal object of the program is to provide a basis and tools with the aim of creating an opportunity to change the course of their lives by providing assistance, learning, apprenticeship and development of business ventures. Employees of FIBI take an active part in the project as volunteers, which to date has helped thousands of young people and additional populations in Israel.

Regulatory status
The First International Bank is incorporated as a limited liability company being a "banking corporation" in terms of the Banking Act holding a banking license in accordance with the law. Two additional companies within the Bank Group hold a banking license: Otzar Ha-Hayal Bank and Massad Bank. Under the banking legislation, the Bank is subject to supervision by Bank of Israel and in particular to the supervision by the Governor of Bank of Israel and the Supervisor of Banks, and the directives, rules, guidelines and orders of the Supervisor of Banks apply to the Bank.

Group Management Offices: 42 Rothschild Blvd., Tel Aviv 6688310

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