Harel Insurance Investments & Financial Services Ltd is Israel's largest insurance and financial services group, providing a broad range of insurance, asset management, and credit products primarily to individuals, businesses, and institutions throughout Israel with select overseas operations. Founded in 1935 and headquartered in Ramat Gan, Israel, the company offers health, non-life, and life insurance; credit insurance through ICIC (Israel Credit Insurance Company); mortgage insurance via EMI; and overseas insurance via Turk Nippon in Turkey and Interasco in Greece; in asset management, it provides pension funds, provident funds including education funds, mutual funds, portfolio management, ETFs, and capital markets financial services through Harel Finance and subsidiaries; in the credit segment, it delivers medium business credit via Hamatzpen, mortgages and reverse mortgages via Harel 60+, real estate developer credit, and financial guarantees for third-party mortgage portfolios. In December 2024, the group completed the acquisition of all shares in Gamla Harel through a reverse triangular merger via subsidiary Harel Credit, expanding its real estate developer financing capabilities; it reported total premiums, benefit contributions, and investment contract amounts of NIS 42.5 billion for 2024, with assets under management reaching NIS 510 billion, equity attributed to shareholders at NIS 9.1 billion, and comprehensive income of NIS 1,133 million yielding a 13% ROE as of December 31, 2024.