• Bank Hapoalim average operating margin for 2023 was 33.39%, a 25.3% decline from 2022.
• Bank Hapoalim average operating margin for 2022 was 44.7%, a 0.04% decline from 2021.
• Bank Hapoalim average operating margin for 2021 was 44.72%, a 171.69% decline from 2020.

Operating margin can be defined as operating margin measurement of what proportion of a company's revenue is left over after paying for variable costs of production such as wages, raw materials, etc.