EFTA00307158Set 9
35p3,206w
branches, the Israeli Banks
.47,260 heavily unionized (5 largest banks)
employees,
•NIS 14.4B annual salary cost,
300% of average national salary!!!
Lack of Flexibility in HR Management
"This ... debt Provisions
iBank Proprietary and Confidential
EFTA00307163
Israel Retail Banking -the lucrative segment (NIS)
❑ Retail Banking represents 66% of Total Deposits (788B) and only 27% of
Total Loans (669B ... system profit in 2007 (60% in 2004)
Source: BOI
Total retail banking revenues: approx. NIS 18 B
Very profitable & low risk segment
Bad debt provisions less than 1/6 of total
https://www.justice.gov/epstein/files/DataSet%209/EFTA00307158.pdf
EFTA01445169Set 10
40p12,737w
acquisition
pursuant to an offer), with a shareholders equity in excess of NIS 50
million, and
individuals in respect of whom the terms of item 9 in the Schedule ... traded on a
stock exchange licensed under the Securities Law (together, "Liquid Assets")
exceeds NIS 8 million (approximately £1.3 million); their level of income
over each
of the preceding ... years exceeds NIS 1.2 million (approximately £200,000),
or the level of income of their "family unit" exceeds NIS 1.8 million
(approximately £300,000); or the aggregate value
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01445169.pdf
EFTA01439262Set 10
40p12,726w
acquisition
pursuant to an offer), with a shareholders equity in excess of NIS 50
million, and
individuals in respect of whom the terms of item 9 in the Schedule ... traded on a
stock exchange licensed under the Securities Law (together, "Liquid Assets")
exceeds NIS 8 million (approximately £1.3 million); their level of income
over each
of the preceding ... years exceeds NIS 1.2 million (approximately £200,000),
or the level of income of their "family unit" exceeds NIS 1.8 million
(approximately £300,000); or the aggregate value
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01439262.pdf
EFTA01440797Set 10
40p12,714w
acquisition
pursuant to an offer), with a shareholders equity in excess of NIS 50
million, and
individuals in respect of whom the terms of item 9 in the Schedule ... traded on a
stock exchange licensed under the Securities Law (together, "Liquid Assets")
exceeds NIS 8 million (approximately £1.3 million); their level of income
over each
of the preceding ... years exceeds NIS 1.2 million (approximately £200,000),
or the level of income of their "family unit" exceeds NIS 1.8 million
(approximately £300,000); or the aggregate value
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01440797.pdf
EFTA01443401Set 10
40p12,722w
acquisition
pursuant to an offer), with a shareholders equity in excess of NIS 50
million, and
individuals in respect of whom the terms of item 9 in the Schedule ... traded on a
stock exchange licensed under the Securities Law (together, "Liquid Assets")
exceeds NIS 8 million (approximately £1.3 million); their level of income
over each
of the preceding ... years exceeds NIS 1.2 million (approximately £200,000),
or the level of income of their "family unit" exceeds NIS 1.8 million
(approximately £300,000); or the aggregate value
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01443401.pdf
EFTA01396742Set 10
40p12,745w
acquisition
pursuant to an offer), with a shareholders equity in excess of NIS 50
million, and
individuals in respect of whom the terms of item 9 in the Schedule ... traded on a
stock exchange licensed under the Securities Law (together, "Liquid Assets")
exceeds NIS 8 million (approximately £1.3 million); their level of income
over each
of the preceding ... years exceeds NIS 1.2 million (approximately £200,000),
or the level of income of their "family unit" exceeds NIS 1.8 million
(approximately £300,000); or the aggregate value
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01396742.pdf
EFTA01440070Set 10
40p12,713w
acquisition
pursuant to an offer), with a shareholders equity in excess of NIS 50
million, and
individuals in respect of whom the terms of item 9 in the Schedule ... traded on a
stock exchange licensed under the Securities Law (together, "Liquid Assets")
exceeds NIS 8 million (approximately £1.3 million); their level of income
over each
of the preceding ... years exceeds NIS 1.2 million (approximately £200,000),
or the level of income of their "family unit" exceeds NIS 1.8 million
(approximately £300,000); or the aggregate value
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01440070.pdf
EFTA01395050Set 10
40p12,737w
acquisition
pursuant to an offer), with a shareholders equity in excess of NIS 50
million, and
individuals in respect of whom the terms of item 9 in the Schedule ... traded on a
stock exchange licensed under the Securities Law (together, "Liquid Assets")
exceeds NIS 8 million (approximately £1.3 million); their level of income
over each
of the preceding ... years exceeds NIS 1.2 million (approximately £200,000),
or the level of income of their "family unit" exceeds NIS 1.8 million
(approximately £300,000); or the aggregate value
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01395050.pdf
EFTA01429492Set 10
40p12,726w
acquisition
pursuant to an offer), with a shareholders equity in excess of NIS 50
million, and
individuals in respect of whom the terms of item 9 in the Schedule ... traded on a
stock exchange licensed under the Securities Law (together, "Liquid Assets")
exceeds NIS 8 million (approximately £1.3 million); their level of income
over each
of the preceding ... years exceeds NIS 1.2 million (approximately £200,000),
or the level of income of their "family unit" exceeds NIS 1.8 million
(approximately £300,000); or the aggregate value
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01429492.pdf
EFTA01442709Set 10
40p12,737w
acquisition
pursuant to an offer), with a shareholders equity in excess of NIS 50
million, and
individuals in respect of whom the terms of item 9 in the Schedule ... traded on a
stock exchange licensed under the Securities Law (together, "Liquid Assets")
exceeds NIS 8 million (approximately £1.3 million); their level of income
over each
of the preceding ... years exceeds NIS 1.2 million (approximately £200,000),
or the level of income of their "family unit" exceeds NIS 1.8 million
(approximately £300,000); or the aggregate value
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01442709.pdf
EFTA01397415Set 10
40p12,719w
acquisition
pursuant to an offer), with a shareholders equity in excess of NIS 50
million, and
individuals in respect of whom the terms of item 9 in the Schedule ... traded on a
stock exchange licensed under the Securities Law (together, "Liquid Assets")
exceeds NIS 8 million (approximately £1.3 million); their level of income
over each
of the preceding ... years exceeds NIS 1.2 million (approximately £200,000),
or the level of income of their "family unit" exceeds NIS 1.8 million
(approximately £300,000); or the aggregate value
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01397415.pdf
EFTA01394799Set 10
1p1,044w
acquisition pursuant to an offer). with a shareholders equity in excess of NIS 50 million. and individuals in
respect of whom the terms of item 0 in the Schedule ... traded on a stock exchange licensed under the Securities Law (together, "Liquid .Assets') exceeds NIS 8
million (approximately £.1.3 million), their level of income over each of the preceding ... million (approximately £200,000), or the level of income of their -family unit' exceeds
NIS 1 8 million (approximately E300,1 21>0); or the aggregate Value of all their
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01394799.pdf
EFTA01390970Set 10
1p1,040w
acquisition pursuant to an offer). with a shareholders equity in excess of NIS 50 million. and individuals in
respect of whom the temps of item 0 in the Schedule ... traded on a stock exchange licensed under the Securities Law (together, "Liquid Assets.") exceeds NIS 8
million (approximately £1.3 million), their level of income over each of the preceding ... million (approximately 1.200,000), or the level of income of their -family unit exceeds
NIS 1 8 million (approximately E300,1 21>0); or the aggregate Value of all their
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01390970.pdf
EFTA01354903Set 10
1p1,041w
acquisition pursuant to an offer). with a shareholders equity in excess of NIS 50 million. and individuals in
respect of whom the temps of item 0 in the Schedule ... traded on a stock exchange licensed under the Securities Law (together, "Liquid Assets.") exceeds NIS 8
million (approxin-rately E.1.3 million), their level of income over each of the preceding ... million (approximately 1.200,000). or the level of income of their -family unit exceeds
NIS 1 8 million (approximately E300,000); or the aggregate Value of ail their
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01354903.pdf
EFTA01390317Set 10
1p1,042w
acquisition pursuant to an offer). with a shareholders equity in excess of NIS 50 million. and individuals in
respect of whom the temps of item 0 in the Schedule ... traded on a stock exchange licensed under the Securities Law (together, "Liquid .Assets') exceeds NIS 8
million (approximately £.1.3 million), their level of income over each of the preceding ... million (approximately £200,000), or the level of income of their -family unit exceeds
NIS 1 8 million (approximately E300,O0O); or the aggregate Value of all their
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01390317.pdf
EFTA01394404Set 10
1p1,044w
acquisition pursuant to an offer). with a shareholders equity in excess of NIS 50 million. and individuals in
respect of whom the terms of item 0 in the Schedule ... traded on a stock exchange licensed under the Securities Law (together, "Liquid .Assets') exceeds NIS 8
million (approximately £1.3 million), their level of income over each of the preceding ... million (approximately 1.200,000). or the level of income of their -family unit exceeds
NIS 1 8 million (approximately E300,1 21>0); or the aggregate Value of all their
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01394404.pdf
EFTA01389986Set 10
1p1,042w
acquisition pursuant to an offer). with a shareholders equity in excess of NIS 50 million. and individuals in
respect of whom the tem)s of item 0 in the Schedule ... traded on a stock exchange licensed under the Securities Law (together, "Liquid .Assets') exceeds NIS 8
million (approximately £1.3 million), their level of income over each of the preceding ... million (approximately £200,000). or the level of income of their -family unit exceeds
NIS 1 8 million (approximately £330,Ox0); or the aggregate Value of all their LYjuid Assets
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01389986.pdf
EFTA01074669Set 9
12p1,672w
Ashdod at the beginning of May.
Hod Hashron —They got an offer for 6000 Nis per month per 1 station (Stand
Alone). It's at the LAW office, the mayor ... Page 8
EFTA01074678
TO OUR SHAREHOLDERS
Financial Highlights
Bank balance (29/3/2016): 1,087,133.77 Nis + $500,000 (Before VAT returns).
Burn rate (March): 388,000 Nis (Including Vat)
Expected burn ... rate for next month: 410,000 Nis
2015 Annual Report: Sent.
Chief Scientists: We received — 489,102 Nis
ROUND A:
After evaluating the chances to raise Round A with
https://www.justice.gov/epstein/files/DataSet%209/EFTA01074669.pdf
EFTA01354041Set 10
1p1,045w
acquisition pursuant to an offer). with a shareholders equity in excess of NIS 50 million. and individuals in
respect of whom the tem)s of item 0 in the Schedule ... traded on a stock exchange licensed under the Securities Law (together, "Liquid .Assets') exceeds NIS 8
million (approximately £1.3 million), their level of income over each of the preceding ... million (approximately 1.200,000), or the level of income of their -family unit exceeds
NIS 1 8 million (approximately E300,Cee0); or the aggregate value of ail their LYjuid Assets
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01354041.pdf