Bank Hapoalim is Israel’s leading financial group and largest bank. The Bank has a significant presence in global financial markets. In Israel, the Group has over 260 full-service branches, eight regional business centers, and industry desks for major corporate customers. The full service branches focus on households, professionals, small businesses, mortgage banking and soon pension advisory services. Bank Hapoalim is currently strengthening its domestic presence, through “express” branches in high-traffic areas for the retail market; mid-market targeted business service branches, and a significant increase in the number of mortgage desks. In addition, it is opening up “boutique” branches in affluent neighborhoods. Together with the growth of direct banking interaction through the web, automated self-service machines and call centers, the Bank also promotes interpersonal contact, and the potential it offers for cross-selling, relationship-building and customer loyalty. Overseas, Bank Hapoalim operates through branches, subsidiaries and representative offices, in North and Latin America, Europe, East Asia, Turkey and Australia. In Israel, the Bank Hapoalim Group includes financial companies involved in investment banking, credit cards, trust services and portfolio management. The Group also has holdings in non-banking sectors. Over the decades, Bank Hapoalim has created and strengthened a corporate culture that balances personal service with technological functionality. It is a frontrunner in Israeli banking in introducing new products and services. The Bank is committed to an active, leading role in the community and contributes generously through educational, social and cultural projects. Bank Hapoalim is rated by Standard & Poor’s, Moody’s and Fitch. Bank Hapoalim is the only Israeli bank listed on both the Tel Aviv and London stock exchanges, and has a Level-1 ADR traded in New York’s OTC market.