Fibi Bank

Capital/Financing Update • Nov 19, 2025

FIRST INTERNATIONAL BANK OF ISRAEL LTD.

Issuance Rating

First International Issuances Ltd.

November 19, 2025

Assignment of rating +1-ilA to new commercial papers up to a total par value of NIS 1 billion.

S&P Maalot hereby announces the assignment of a short-term rating of +1-ilA to new commercial papers up to a total par value of NIS 1 billion to be issued by FIRST INTERNATIONAL BANK OF ISRAEL LTD. (+1-ilAAA/Stable/ilA) through the issuance of Series Series He, Series Series 2.

The issuance will be conducted through First International Issuances Ltd.

For further details regarding the bank's rating and additional regulatory requirements, see the rating report dated November 11, 2025.

Chief Credit Analyst: Matan Benjamin 972-3-7539716 matan.benjamin@spglobal.com Additional Contact: Eyal Chelouche 972-3-7539737 eyal.chelouche@spglobal.com

November 19, 2025 Issuance Rating

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FIRST INTERNATIONAL BANK OF ISRAEL LTD.

First International Issuances Ltd.

Ltd.	Rating	Initial Rating	Last Date of
Issuer Rating
Short Term	ilA-1+	20/08/2025	11/11/2025
Long Term	ilAAA\Stable	23/11/1997	11/11/2025
Issuer Rating History
Long Term
November 11, 2025	ilAAA\Stable
October 31, 2023	ilAAA\Negative
July 11, 2019	ilAAA\Stable
December 8, 201	ilAA+\Positive
October 07, 2014	ilAA+\Stable
November 15, 2010	ilAA\Stable
June 16, 2009	ilAA\Negative
September 24, 2008	ilAA\Stable
March 12, 2007	ilAA\Positive
February 20, 2003	ilAA
December 26, 2001	ilAA+
November 23, 1997	ilAAA
Short Term
August 20, 2025	ilA-1+

The rating has been updated.

First International Issuances Ltd.	Rating	Initial Rating	Last Date of
Issuance Rating
Complex Subordinated Debt
Deferred Commitments with Loss Absorption Mechanism Series 27	ilAA-	29/08/2022	11/11/2025
Deferred Commitments with Loss Absorption Mechanism Series 26	ilAA-	14/03/2022	11/11/2025
Deferred Commitments with Loss Absorption Mechanism Series 25		09/06/2020	11/11/2025
Short-term Debt

This is an unofficial AI generated translation of the official Hebrew version and has no binding force. The only binding version is the official Hebrew version. For more information, please review the legal disclaimer.

First International Issuances Ltd.	Rating	Initial Rating	Last Date of
Commercial Papers Series 1	ilA-1+	20/08/2025	11/11/2025
Commercial Papers Series 2	ilA-1+	19/11/2025	19/11/2025
Senior Unsecured Debt
Bonds Series 12	ilAAA	23/11/2021	11/11/2025
Bonds Series 13	ilAAA	20/08/2025	11/11/2025

The rating has been updated.

Further Details	Data
Time of Event	14:32 19/11/2025
Time rst notied of event	14:32 19/11/2025
Rating initiator	Rated company

November 19, 2025 Issuance Rating

The rating has been updated.

FIRST INTERNATIONAL BANK OF ISRAEL LTD.

First International Issuances Ltd.

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November 19, 2025 Issuance Rating

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11/19/2025 | 2:22:04 PM