Group Profile

The First International Bank of Israel (FIBI) is among Israel's five largest banking groups. FIBI group includes the parent company, First International Bank, and its banking subsidiaries in Israel: Otsar Ha-Hayal Bank, Poaley Agudat Israel Bank (PAGI), UBank and Massad Bank. Together, the five banks operate a network of 170 branches. The group also has an overseas banking subsidiary: FIBI Bank (Switzerland) in Zurich. FIBI has assets of over NIS 100 billion. It maintains a large capital base and conservative liquidity ratios, indicative of the Group's financial strength.

Market Leader
The First International Bank is a leading bank in several segments of activity: capital markets, foreign exchange, private banking and global trading, as well as corporate finance. In these segments, the bank enjoys a top-class reputation, benefitting from its distinctive expertise, highly professional staff and state-of-the-art technologies.
In recent years FIBI has also taken measures to broaden its market share in retail banking. In 2006-2008, it acquired two banks, which more than doubled its retail customer base: Otsar Ha-Hayal, a retail bank which emphasizes services to current and former defense industry personnel; and Massad, a retail bank specializing in services to teaching personnel. The two niche banks joined FIBI's existing specialized retail bank, Poaley Agudat Israel, which focuses on the orthodox and ultra-orthodox community. FIBI also places importance on organic retail growth, targeting high-end customers with an offering focused on investment advice.
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 its Call Center, which operates until 23:00, as well as via the Group's Internet site.

The Corporate Sector
FIBI is a principal banker for many of Israel's largest and leading corporations. It offers a diversity of banking and financial services, and is experienced and highly proficient in large-scale and complex transactions. The Bank is currently expanding its foot-print in the middle market.
The bank also offers foreign trade services and foreign trade guarantees for importers, exporters and international transactions. The bank's foreign currency dealing room operates 24 hours a day including on Sundays. Concurrent with a cautious and responsible credit policy, by holding diversified and high-quality credit portfolio, the bank is able to maintain a high degree of financial strength.

Capital Market
The First International Bank is a market leader in capital markets activity, financial derivatives and engineered products. It enjoys an excellent reputation for its professional investment advisory offering and advanced IT solutions.
The Bank serves both market professionals and private customers, via the branch network, dealing rooms, specialized investment advice centers and websites. In these areas of specialization, activity is supported by operational and logistical systems that are among the most advanced of their kind.
The First International Bank's leading status in investment consultancy is also apparent in the area of pension advice, activity which the bank recently entered. The bank provides objective pension advice to its customers by means of specialist pension consultants and unique and advanced consultancy systems.

Private Banking
FIBI has a strong traditional position in private banking, which it has strengthened in recent years both organically and through the acquisition in 2004 of UBank, which focuses on private banking, capital markets and asset management. Many of the Group's branches have specialized private banking units, and the Bank has a private banking center, which serves high net worth individuals, as well as an International Private Banking center, which caters to foreign private banking customers.

The First International Bank for the Community – the "Turning Point" Project
Turning Point (Nekudat Mifne), FIBI's flagship project for the community, was established in 2006 in cooperation with the Matan organization and the Ashalim foundation. The project provides youth at risk, who have dropped out of conventional frameworks, with the opportunity to change the course of their lives by participating in educational programs combining studies and business ventures. Employees of FIBI take an active part in the project as volunteers, which to date has helped thousands of young people in Israel.

The Human Resource
The skill, professionalism, motivation and creativity of the staff contribute to the Bank's achievements in various areas.  In addition, FIBI operates computer systems and technological measures among the most advanced in the banking system.

Regulatory Status
FIBI Bank is incorporated as a limited company and is a "Banking Corporation" as defined in the Banking Law, holding a "Bank" license specified by the Law.  The Bank group is comprised of four additional companies holding "Bank" licenses: UBank, Otsar HaHayal, Massad and PAGI.  By force of banking legislation, the Bank is subject to Bank of Israel supervision and especially the supervision of the Bank of Israel Commissioner and Bank Supervisor, and it is subject to the provisions, rules, guidelines and orders set forth by the Bank Supervisor.

Group Management Offices: 42 Rothschild Blvd., Tel Aviv 66883