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B Communications Ltd.

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FY2020 Annual Report · B Communications Ltd.
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B. Communications Ltd. 

Annual Report 2020 

  Chapter A - Description of the corporation's business 

  Chapter B - Report of the Board of Directors on the state of the corporation's business 

  Chapter C - Financial statements 

  Chapter D - Additional details on the corporation and corporate governance questionnaire 

  Chapter E - Report on the effectiveness of internal control   

THIS DOCUMENT IS AN ENGLISH TRANSLATION OF THE HEBREW VERSION OF 
THE COMPANY’S FINANCIAL STATEMENTS AND THE MANAGEMENT DISCUSSION 
AND ANALYSIS FOR THE YEAR 2020 (THE “REPORTS”). THE HEBREW VERSION OF 
THE REPORTS IS THE BINDING VERSION AND THE ONLY VERSION HAVING LEGAL 
EFFECT. THE ENGLISH TRANSLATION HAS BEEN CREATED FOR THE PURPOSE OF 
CONVENIENCE ONLY. THE APPROVAL OF THE COMPANY’S BOARD OF 
DIRECTORS WAS GIVEN TO THE HEBREW VERSION ONLY AND NO SUCH 
APPROVAL HAS BEEN GIVEN TO THE ENGLISH TRANSLATION. THIS ENGLISH 
TRANSLATION WAS NOT SUBMITTED TO THE ISRAELI SECURITIES AUTHORITY 
AND IS NOT REVIEWED BY ANY REGULATORY AUTHORITY.  

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

Chapter A 

(Description of the Corporation's 
Business) 
For the 2020 Periodic Report 

ב 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

Chapter A - Description of the Corporation's Business - Table of Contents 

1.  Description of the general development of the Group's business 

1 

1.1.  Group activity and description of the development of its business ........... 1 

1.2.  Areas of activity ....................................................................................... 9 

1.3. 

Investments in the corporation's capital and transactions in its shares .. 10 

1.4.  Dividend distribution............................................................................... 10 

1.5.  Financial information regarding the areas of activity of the Group ......... 10 

1.6.  Forecast in relation to the group  ........................................................... 16 

1.7.  General  environment  and  the  influence  of  external  factors  on  the  group's 

activities ................................................................................................. 17 

1.8.  Bezeq Group business strategy ............................................................. 30 

1.9. 

Incident outside the scope of the corporation's business ....................... 31 

2.  Bezeq – Landline interior communications 

33 

2.1.  General information about the field of activity ........................................ 33 

2.2.  Products and services ............................................................................ 37 

2.3.  Products and services revenue segmentation ....................................... 40 

2.4.  Customers ............................................................................................. 40 

2.5.  Marketing, distribution and service......................................................... 40 

2.6.  Competition ............................................................................................ 40 

2.7.  Fixed assets and facilities ...................................................................... 46 

2.8. 

Intangible assets .................................................................................... 51 

2.9.  Human capital ........................................................................................ 51 

2.10.  Equipment and suppliers ....................................................................... 54 

2.11.  Working capital ...................................................................................... 55 

2.12.  Investments ........................................................................................... 55 

2.13.  Funding .................................................................................................. 55 

2.14.  Taxation ................................................................................................. 57 

2.15.  Environmental risks and ways of managing them .................................. 57 

2.16.  Restrictions and supervision of Brezeq’s operations ............................. 58 

2.17.  Material agreements .............................................................................. 78 

2.18.  Legal Proceedings ................................................................................. 79 

2.19.  Goals and Business Strategy ................................................................. 90 

2.20.  Discussion of risk factors ....................................................................... 91 

3.  Pelephone - Mobile radio (cellular telephony) 

96 

3.1.  General information about the field of activity ........................................ 96 

3.2.  Services and products ........................................................................... 98 

ג 

 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

3.3.  Products and services revenue segmentation ....................................... 99 

3.4.  Customers ............................................................................................. 99 

3.5.  Marketing, distribution and service....................................................... 100 

3.6.  Competition .......................................................................................... 100 

3.7.  Fixed assets and facilities .................................................................... 101 

3.8. 

Intangible assets .................................................................................. 102 

3.9.  Human capital ...................................................................................... 105 

3.10.  Suppliers .............................................................................................. 106 

3.11.  Working capital .................................................................................... 107 

3.12.  Taxation ............................................................................................... 107 

3.13.  Environmental risks and ways of managing them ................................ 107 

3.14.  Restrictions and supervision of Pelephone’s operations ...................... 108 

3.15.  Material agreements ............................................................................ 112 

3.16.  Legal proceedings................................................................................ 112 

3.17.  Goals and business strategy ................................................................ 116 

3.18.  Expected development in the coming year .......................................... 116 

3.19.  Discussion of risk factors ..................................................................... 117 

4.  Bezeq International - Internet, international communications and 
121 
network endpoint services 

4.1.  General ................................................................................................ 121 

4.2.  Products and services .......................................................................... 122 

4.3.  Revenue .............................................................................................. 123 

4.4.  Customers ........................................................................................... 123 

4.5.  Marketing, distribution and service....................................................... 124 

4.6.  Competition .......................................................................................... 124 

4.7.  Fixed assets and facilities .................................................................... 125 

4.8.  Human capital ...................................................................................... 125 

4.9.  Suppliers .............................................................................................. 127 

4.10.  Taxation ............................................................................................... 127 

4.11.  Restrictions and supervision of Bezeq International's activities ........... 127 

4.12.  Legal proceedings................................................................................ 128 

4.13.  Goals, business strategy and development prospects ......................... 130 

4.14.  Discussion of risk factors ..................................................................... 130 

5.  DBS - Multi-channel TV 

133 

5.1.  General information about the field of activity ...................................... 133 

5.2.  Products and services .......................................................................... 136 

5.3.  Revenue from products and services ................................................... 137 

ד 

 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

5.4.  Customers ........................................................................................... 137 

5.5.  Marketing and distribution .................................................................... 138 

5.6.  Competition .......................................................................................... 138 

5.7.  Production capacity.............................................................................. 139 

5.8.  Fixed assets, real estate and facilities ................................................. 140 

5.9. 

Intangible assets .................................................................................. 141 

5.10.  Broadcasting rights .............................................................................. 141 

5.11.  Human capital ...................................................................................... 142 

5.12.  Suppliers .............................................................................................. 144 

5.13.  Financing .................................................. Error! Bookmark not defined. 

5.14.  Taxation ............................................................................................... 144 

5.15.  Restrictions and supervision of DBS .................................................... 144 

5.16.  Substantial agreements ....................................................................... 147 

5.17.  Legal proceedings................................................................................ 148 

5.18.  Goals and strategy ............................................................................... 151 

5.19.  Discussion of risk factors ..................................................................... 152 

6.  Appendix A - Definitions 

160 

7.  Appendix B - Financial Indices and Key Performance Indicators

164 

ה 

 
 
 
 
Chapter A - Description of the corporation's business 

Israeli 
B.  Communications  Ltd. 
Telecommunications Corporation Ltd. ("Bezeq") and Bezeq’s wholly owned subsidiaries, whose financial 
statements are consolidated with Bezeq's statements, will be called together in this periodic report - "the 
Group” or "Bezeq Group".  

the  subsidiary  Bezeq 

(“the  Company") 

together  with 

the 

For  convenience,  Appendix  A  this  chapter  contains  a  glossary  of  terms  in  relation  to  the  key  terms 
mentioned in it.  

1.  Description of the general development of the Group's business 

1.1.  Group activity and description of the development of its business 

1.1.1.  General 

The Company was incorporated in Israel in 1999 under the name Gold E Ltd. and on March 
16, 2010 changed its name to its current name. From its inception until October 2007, the 
Company was fully owned by Internet Gold Ltd., in October 2007 the Company's shares 
were first issued on the NASDAQ stock exchange and in November 2007 the Company's 
shares were listed on the Tel Aviv Stock Exchange under the double listing arrangement. 
On  December  2,  2019,  the  transaction  with  Searchlight  II  BZQ  LP  and  a  corporation 
controlled by the Fuhrer family (TNR Investments Ltd.) was completed, in which control of 
the  Company  and  Bezeq  was  transferred  to  these  entities,  following  the  liquidation  of 
Eurocom  Communications  Ltd.,  in  which  the  holdings  in  the  Company  of  its  subsidiary, 
Internet Gold, were sold. 

On September 9, 2020, the Company announced the voluntary delisting of its shares from 
trading on the NASDAQ Stock Exchange, and as of that date, the Company's securities 
are  traded  on  the  Tel  Aviv  Stock  Exchange  only  and  the  Company  is  a  “reporting 
corporation” within the meaning of this term in the Securities Law, 5759-1999. ("Securities 
Law"). 

As  of  April  14,  2010,  the  Company  operates  in  the  field  of  communication,  through  its 
holdings in Bezeq shares. 

1.1.2.  Acquisition of control of Bezeq 

On  April  14,  2010,  the  Company  completed  an  acquisition  of  30.44%  of  the  issued  and 
paid-up capital and voting rights in Bezeq, in exchange for a total amount of approximately 
NIS 6.5 billion in cash and became the largest shareholder in Bezeq and as of the financial 
statements Bezeq's finances. 

As of the date of this report, the Company holds approximately 26.72% of Bezeq's issued 
and  paid-up  capital.  For  Bezeq  shares  acquired  by  the  Company  during  the  reporting 
period, see section 1.3 below.  

For  further  details  regarding  the  control  of  the  Company  and  the  control  permit  in 
connection with the Company's holding in Bezeq shares, see section 1.1.4 below. 

1.1.3.  Bezeq Group - General 

As  of  the  date  of  publication  of  this  periodic  report,  Bezeq  Group  is  a  major  provider  of 
communications services in the State of Israel. Bezeq Group performs and provides a wide 
range of Bezeq operations and Bezeq services, including landline interior communication 
services, mobile radio telephone services (cellular telephony), international communication 
services, and multi-channel television services over satellite and over the Internet (OTT), 
Internet  infrastructure  and  access  services,  call  center  services,  maintenance  and 
development of communication infrastructure, providing communication services to other 
communication  providers,  including  wholesale  market  services,  distribution  of  television 
and  radio  broadcasts,  supply  and  maintenance  of  equipment  and  services  in  customer 
premises (network endpoint services). 

Bezeq was established in 1980 as a government company to which Bezeq's activities that 
had taken place up to that date in the Ministry of Communications were transferred, and it 
was  privatized  over  the  years.  Since  1990,  Bezeq  has  been  a  public  company  whose 
shares are traded on the Stock Exchange. 

Below is a diagram of the structure of the holdings in the Group as of the date of approval 
of the report (March 25, 2021):  

 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

CThe 

ompany

(*)

26.72
% 

Bezeq Israel Telecommunications Corporation Ltd.

100
% 
Bezeq 
Online

100%

100%

Bezeq 
international

100
% 

Pelephone

 (*)  Regarding  the  Company  and  the  control  of  Bezeq  -  see  sections  1.1.1,  1.1.2  and  1.1.4  in  this 

chapter.  

Regarding Walla - following previous decisions of Bezeq's Board of Directors regarding the Bezeq 
Group's  business  strategy,  including  activities  for  the  sale  of  the  subsidiaries  Bezeq  Online  and 
Walla,  on  December  27,  2020,  Bezeq's  transaction  with  Jerusalem  Post  Ltd.  (“the  Buyer")  was 
completed for the sale all of Bezeq's holdings in Walla, in exchange for a total of NIS 65 million, of 
which NIS 55 million in cash, and the balance through Bezeq's entitlement to receive from the Buyer 
and Walla (and entities related thereto) advertising space for a period of up to 7 years from the date 
of completion of the transaction. Accordingly, as of the aforesaid date, Walla is not a subsidiary of 
Bezeq, and it should be noted that the sale agreement included Bezeq's obligation to indemnify the 
Buyer in certain circumstances. 

1.1.4.  Company control  

On December 2, 2019, a debt arrangement was completed between the Company and its 
bondholders, as part of which Searchlight II BZQ LP and a corporation controlled by the 
Fuhrer  family  (TNR  Investments  Ltd.)  purchased  control  of 
the  Company  (and 
consequently, the control ofBezeq). The Company holds Bezeq through a company under 
its full (indirect) control, B. Communications (SP2) Ltd.1. In this regard, see also Bezeq's 
immediate report dated December 2, 2019 regarding the Company's announcement of the 
completion of the said transaction, as well as Bezeq's immediate reports dated January 2, 
2020 regarding the holdings of stakeholders and those who became  stakeholders in the 
corporation. 

As  of  the  date  of  completion  of  the  debt  arrangement  as  stated  above,  the  controlling 
shareholders of the Company are Searchlight II BZQ LP, a limited partnership incorporated 
in  the  Cayman  Islands  ("Searchlight")  and  TNR  Investments  Ltd.  ("TNR"),  a  private 
company  incorporated  in  Israel.  The  final  general  partner  of  Searchlight  is  Searchlight 
Capital  Partners  II  GP  LLC,  a  limited  liability  company  incorporated  in  the  State  of 
Delaware, which is held by a number of individuals including Eric Zinterhofer, Erol Uzumeri 
and  Oliver  Harmaann,  the  latter  being  among  the  only  ones  to  receive  the  Company's 
control  permit  from  the  Ministry  of  Communications.  TNR  is  wholly  owned  and  fully 
controlled by Mr. David Fuhrer (50%) and Mrs. Michal Fuhrer (50%). Searchlight and TNR 
are considered controlling shareholders in the Company by virtue of a control permit dated 

1  714,169,560 of Bezeq shares are owned by B Communications (SP2) Ltd., a private company registered in Israel, which is wholly 
owned and fully controlled by B Communications (SP1) Ltd., a private company registered in Israel. B Communications (SP1) Ltd. 
is wholly owned and fully controlled by the Company. In addition to the above, 24,784,153 shares of Bezeq shares are directly 
owned by the Company. 

2 

 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

November 11, 2019 and by virtue of a voting agreement between them which gives them 
a cumulative holding, as of the date of publication of this report, of approximately 72% of 
the voting rights in the Company. 

To  the  best  of  the  Company's  knowledge,  the  shareholders'  agreement  between 
Searchlight and TNR includes, among other things, a provision according to which as long 
as  the  holdings  of  an  "Israeli  factor"  in  Bezeq's  controlling  shareholder  are  required, 
Searchlight will grant TNR power of attorney regarding the amount of shares that will allow 
TNR to vote at the general meetings of the Company, an amount of shares equal to: (a) 
the number of shares held by TNR on the effective date of the meeting, or (b) the number 
of shares that reflects 19% of the issued capital and voting rights in the Company on the 
effective date of the meeting, whichever is higher. To the best of the Company's knowledge, 
the  shareholders'  agreement  includes  additional  provisions,  including  an  obligation  by 
Searchlight to refrain from voting for the approval of certain issues without the consent of 
TNR. 

The control permit 

On November 11, 2019, the Minister of Communications, by virtue of his authority and by 
virtue of the Prime Minister's authority (jointly: "the Ministers") transferred thereto, granted 
Bezeq control permits under  Article 4D of the Communications Law  and  Article  3 of the 
Communications  Order  (Bezeq  and  Broadcasting)  (Determination  of  Essential  Service 
Provided  by  Bezeq  the  Israel  Telecommunications  Coropration  Ltd.),  5757-1997 
("Communications Order"), as follows: 

a.  A  control  permit  for  corporations  is  given  to  the  Company  and  two  private 
companies  wholly  owned  by  the  Company2,  Searchlight  Corporations,  and  TNR 
("Permit for Corporartions"). 

b.  A control permit for individuals to hold means of control in Bezeq and to control it 
is  given  to  Michal  Fuhrer,  David  Fuhrer,  Oliver  Harmaann,  Erol  Uzumeri,  Eric 
Zinterhofer, and Darren Glatt3 ("Permit for Individuals").  

The Permit for Corporations and the Permit for Individuals will be jointly referred to as "the 
Control Permits" and the parties to whom such permits were granted will be referred to as 
"the Permit Holders". 

The  Control  Permits  were  issued  for  the  control  and  possession  of  means  of  control  in 
Bezeq  at  a  minimum  rate  of  not  less  than  25%4.  The  control  permits  allow  the  Permit 
Holders to control Bezeq directly and indirectly, and they also allow Searchlight and TNR 
to  make  a  "joint  appointment"  of  directors,  as  defined  in  the  Communications  Order,  in 
Bezeq and the Company. 

The Control Permits also stipulate provisions regarding the minimum holding rate in Bezeq 
of an "Israeli entity" as defined in the Communications Order5.  

Preconditions set out in the Control Permits 

The control permit stipulates, inter alia, as follows: 

2     B Communications (SP1) Ltd. and B Communications (SP2) Ltd. 

3   The permit is given to Mr. Darren Glatt for his status in Searchlight in the context of the acquisition of control of the Company. In addition, he 

serves as Chairman of the Company's Board of Directors and as a director in Bezeq. 

4   The minimum rate is defined as 25% of any type of means of control in Bezeq, or a lower rate according to the approval of the Ministers by virtue 
of Article 3 (a2) of the Communications Order. The minimum rate may change if the Minister of Communications becomes convinced that the 
conditions set forth in Article 3 (a3) of the Communications Order are met. 

5   The Control Permits were issued subject to the fact that David and Michal Fuhrer are citizens and residents of Israel, and it is stipulated therein 
that as long as the Communications Order requires the possession of a means of control by an Israeli entity, as defined in the Communications 
Order, TNR and / or Michal  Fuhrer and David Fuhrer will not transfer means of control  in Bezeq without the prior written approval of the 
Ministers, if such a transfer is sufficient to reduce their holdings, as the case may be, in means of control of any kind in Bezeq to a rate lower 
than the minimum rate according to the Communications Order. It was also determined that any change in the Israeli citizenship and residency 
of Michal Fuhrer and David Fuhrer would constitute a ground for revoking the control permit.  In July 2020, after a hearing, the Ministry of 
Communications changed the requirement for the holding of a minimum percentage of means of control in a general licensee by an Israeli entity 
and  expanded  the  discretion  of  the  Ministers  to  approve  holdings  by  non-Israeli  entities.  Following  this,  the  Ministry  of  Communications 
amended the licenses of Cellcom and Partner, but the intended amendment proposed at the hearing in the Communications Order applicable to 
Bezeq has not yet been implemented. 

3 

 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

"3.1.  The Articles of Association of BCOM, Bezeq and its subsidiaries 

must include instructions as detailed below: 

A. 

 The method of appointing the directors set forth in the Company's 
Articles of Association will not be changed without the prior written 
approval of the Minister of Communications; 

B.  The Company shall report to the Ministers on a holder of a means 
of control therein holding excess holdings as soon as it becomes 
aware of the existence of such excess holdings; 

C.  The Company shall report to the Ministers on the transformation 
of  a  shareholder  therein  into  a  stakeholder  in  Bezeq  within  48 
hours from the date the Company became aware of the change. 

3.2. 

 The  Articles  of  Association  of  the  subsidiaries  must  include 
provisions  regarding the  rights  of the Israeli  entity,  as  defined in 
the  Communications  Order,  for  the  appointment  of  directors 
the 
therein, 
Communications Order;" 

in  accordance  with  Article  4(a)(2)(b)(2)  of 

In  accordance  with  the  above,  the  Company  amended  its  Articles  of  Association  as 
required. 

On  April  2,  2020,  Bezeq’s  Board  of  Directors  convened  a  general  meeting  of  Bezeq 
shareholders  for  May  14,  2020,  on  the  agenda  of  which  is  the  amendment  of  Bezeq’s 
Articles of Association in the wording requested by BCOM, as follows: 

"After Regulation 95 of the Articles of Association, Regulation 95A shall 
be added as follows: 

95 a. 
The  method  of  appointing  the  directors  set  forth  in  the 
Company's  Articles  of  Association  will  not  be  changed  without  prior 
written approval from the Minister of Communications; 

After Regulation 42, Regulations 42A and 42B shall be added to the 
Articles of Association as follows: 

42 a. 
The  Company  shall  report  to  the  Ministers  as  defined  in 
the Communications Order, on a holder of a means of control therein 
holding  excess  holdings  therein  as  defined  in  the  Communications 
Order, as soon as it becomes aware of the existence of such excess 
holdings; 

The  Company  shall  report  to  the  Ministers  on  the 
42 b. 
transformation  of  a  shareholder  therein  into  a  stakeholder  in  Bezeq 
within  48  hours  from  the  date  the  Company  became  aware  of  the 
change." 

Bezeq's Board of Directors attached to the above summons a recommendation according 
to which "it was found that the requested changes in the Company's Articles of Association 
are  in  favor  of  the  Company  and  all  its  shareholders”.  Of  Bezeq  that  took  place  on 
14.5.2020  did  not  approve  the  company's  request  to  amend  Bezeq's  regulations  as 
required by the control permit. 

Regarding  the  manner  of  amending  each  of  the  Articles  of  Association  of  each  of  the 
subsidiaries  (in  order  to  include  in  each  Articles  of  Association  the  provisions  of  Article 
4(a)(2)(b)(2)  of  the  Communications  Order,  regarding  the  rights  of  the  Israeli  entity,  as 
defined in the Communications Order, to appoint directors in subsidiaries) - it was agreed 
that  the  amendment  of  the  subsidiaries’  Articles  of  Association  will  be  made  after  the 
amendment of Bezeq’s Articles of Association. 

The lien permit 

4 

 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

On  November  11,  2019,  Resnik  Paz  Nevo  Trust  Ltd.  was  granted,  as  a  trustee  for 
bondholders  issued  by  the  Company  (“the  Trustee")  by  the  Ministers,  a  permit  to  hold 
means  of  control  in  Bezeq  by  way  of  encumbrance  on  the  entire  shares  held  by  the 
Company,  directly  or  indirectly,  pursuant  to  Article  4d  of  the  Communications  Law  and 
section 3 of the Communications Order ("the Lien Permit"). 

The  Lien  Permit  stipulates  that  it  constitutes  a  permit  for  holding  or  operating  means  of 
control in Bezeq by way of lien only, and it does not constitute a permit for control or transfer 
of control in Bezeq. In addition, it was determined that the rights granted to the Trustee and 
anyone holding bonds in the framework of which bonds were pledged to the Trustee for 
Bezeq should not be considered a transfer of ownership of the means of control of Bezeq, 
but only a lien as collateral. 

In addition, the Lien Permit includes restrictions on the procedures for exercising the lien 
by  virtue  thereof,  taking  into  account,  among  other  things,  the  provisions  of  the 
Communications Order, including provisions according to which the lien will be carried out 
only  by  appointing  a  receiver  and  trustee  whose  identity  has  been  approved  by  the 
Ministers according to various parameters specified in the permit. In addition, similar to the 
control permits as detailed above and the reuiqred changes, the Lien Permit also includes 
provisions allowing the Ministry of Communications to revoke it, including in circumstances 
of concern of harming State security or vital public needs and other cases6 in which, If the 
Ministers see that there is a real concern of harm to the provision of the essential service 
by  Bezeq  or  the  ground  for  determining  it  as  an  essential  service,  the  Ministers  will  be 
entitled to act as stated in the Communications Order, including the issue of provisions and 
revocation of the permit. 

Contacts with the Ministry of Communications 

The Company updated the Ministry of Communications on contacts between the Company 
and  Bezeq  in  connection  with  the  amendment  of  the  Articles  of  Association  as  stated 
above. 

On May 17, 2020, BCOM updated the Ministry of Communications on the results of Bezeq's 
general meeting, and attached the minutes of the general meeting dated May 14, 2020. 

In view of the Company's efforts to approve the amendment of the Articles of Association, 
the Company appealed to the Ministry of Communications to refrain from taking steps in 
connection with Article 3.5 of the control permit (the article requiring the amendment of the 
Articles of Association) until the steps to implement the amendment are exhausted. 

On October 28, 2020, the Company applied to the Ministry of Communications to cancel 
the condition set forth in the control permit granted to it in connection with its holdings in 
Bezeq  shares,  to  make  amendments  to  Bezeq's  and  Bezeq's  subsidiaries'  Articles  of 
Association, after Bezeq's general meeting rejected the amendment. Among other reasons, 
the Company claims that the requested amendments anchor provisions that in any case 
exist in the Communication Order and other laws, and therefore do not create a new law 
and are not required. 

1.1.5.  In accordance with the decision  of Bezeq’s Board of  Directors dated  Spetember 4, 
2007 in accordance with Article 50(a) of the Companies Law and in accordance with 
Regulations 119 and 121 (1) of Bezeq’s Articles of Association - the powers of the 
CEO  in  all  matters  related  to  the  corporations  held,  directly  or  indirectly,  by  Bezeq 
(Including Pelephone, Bezeq International, DBS And Bezeq Online) were transferred 
to the Board.  

1.1.6.  Mergers, acquisitions and structural changes 

Bezeq and DBS merger 

Until March 25, 2015 Bezeq held about 49.78% of the shares of DBS, and owned options 
that conferred thereon the right to about 8.6% of the shares of DBS and which Bezeq was 
prevented from exercising. The balance of DBS shares was held by Eurocom DBS7. 

6  Including  -  inaccuracies  in the  data submitted  in the  permit  application,  failure  on the  part  of the Trustee  to  provide  a  report  as 
required  or  a  material  change  in  the  details  provided  by  the  Trustee,  and  failure  on  the  part  of  the  Trustee  on  behalf  of  the 
bondholders to apply for the appointment of a receiver and trustee on the dates determined in the permit. 

7  A company that was (indirectly) controlled by Shaul and Yosef Elovich, who controlled the Company at the time. 

5 

 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

On March 25, 2015, Bezeq exercised the options free of charge, and on June 24, 2015, 
Bezeq  completed  a  transaction  in  which  it  acquired  all  the  holdings  of  Eurocom  DBS  in 
DBS, as well as all the owner loans that Eurocom DBS provided to DBS (approximately 
NIS 1,538 million as of December 31, 2014) ("The Acquisition Transaction"). 

Upon  completion,  Bezeq  transferred  to  Eurocom  DBS  the  cash  consideration  for  the 
Acquisition  Transaction  in  the  amount  of  NIS  680  million.  Upon  completion  of  the  said 
Acquisition Transaction, DBS became a wholly owned (100%) subsidiary of Bezeq.  

It  should  be  noted  that  in  accordance  with  the  terms  of  the  Acquisition  Transaction,  in 
addition to the cash consideration of NIS 680 million, the consideration also included two 
additional conditional consideration as follows: 

a.  One additional consideration in the amount of up to NIS 200 million in accordance with 
the tax synergy according to the terms defined in the  Acquisition Transaction ("First 
Conditional  Consideration”). Most of  the  First Conditional  Consideration  was  paid 
after Bezeq entered into an assessment agreement and a taxation decision with the 
Authority Taxes on financing revenue, owner loans, DBS losses and merger (See also 
Notes 7 and 13.2 to the 2020 statements). 

b.  An additional consideration of NIS 170 million, according to the business results of DBS 
in the years 2015-2017 ("Second Conditional Consideration"). Bezeq paid advances 
on the Second Conditional Consideration in total of about NIS 119 million.  

Depending on DBS's financial results for 2017 and since the final amount of the Second 
Conditional  Consideration  was  lower  than  the  amount  of  advances  that  Bezeq  paid  to 
Eurocom  DBS  for  the  same  consideration,  Eurocom  DBS  must  return  the  difference  to 
Bezeq. In this context, Bezeq joined  as a creditor in the liquidation  process of Eurocom 
Communications. In addition, following Bezeq's demand that Eurocom DBS pay Bezeq the 
amount of the advance on the Second Conditional Consideration, together with interest as 
stipulated in the agreement, after the targets entitling Eurocom DBS to this consideration 
have not been achieved, on April 22, 2018, the Tel Aviv District Court, at Bezeq's request, 
garnted an order to dissolve Eurocom DBS, and Bezeq’s attorney was appointed as the 
liquidator of Eurocom DBS. 

For  details  regarding  conditions  set  forth  in  the  Competition  Authority’s  approval  of  the 
merger (within the meaning thereof in the Economic Competition Law) between Bezeq and 
DBS, see section  2.16.8.3. 

On December 25, 2016, a merger agreement was signed between Bezeq and DBS (“the 
Merger Agreement") which is subject to the conditions set forth therein, which included, 
inter alia, the receipt of various regulatory approvals from the Ministry of Communications, 
the Minister of Communications and the Head of the Civil Administration, on the date of 
completion of the merger, and retroactively from the effective date of the merger (December 
31,  2016),  all  DBS  activities  will  merge  with  and  into  Bezeq,  without  consideration,  in 
accordance with the provisions of  Article 323 of  the  Companies Law  and  in  accordance 
with the provisions of Article 103B and Article 103C of the Income Tax Order 8, And DBS 
will cease to exist as a separate legal entity. 

The  main  purpose  of  the  merger,  from  a  business  and  economic  point  of  view,  is  to 
streamline the operations and activity of Bezeq and DBS and to consolidate them under 
one legal entity in a manner that will result in savings in operating costs over the timeline.  

As of the date of this report, the merger in accordance with the Merger Agreement has not 
yet been carried out, in view of the non-fulfillment of the preconditions for the merger, in 
particular the elimination of the structural separation in the Group (see section 1.7.2.1). 

For further details regarding what is stated in this section, see also section2.20.5 and Note 
13.2  to  the  2020  statements.  See  also  Bezeq's  immediate  reports  dated  December  23, 
2016, December 25, 2016, December 26, 2016, December 28, 2016, December 29, 2016 
and November 8, 2018 included in this report by way of reference.  

Examiation of a plan for structural change in the subsidiaries 

Bezeq  examines  ways  to  deepen  the  synergy  and  operational  streamlining  of  the 

8 

Regarding taxation decision made on September 15, 2016 by the Tax Authority in the framework of an assessment agreement 
signed between the Company and the Tax Authority, which includes preliminary approval for tax purposes by the Tax Authority 
to merge DBS with and into the Company in accordance with Article 103B of the Income Tax Ordinance, see the Company’s 
immediate report dated September 18, 2016.  

6 

 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

subsidiaries  Pelephone,  Bezeq  International  and  DBS  (“the  Subsidiaries"),  in  order  to 
maximize  and  unlock  value  in  favor  of  each  of  them,  among  other  things  against  the 
background of structural separation restrictions imposed on it (see section 1.7.2.1). 

In this context, on March 24, 2021, Bezeq's Board of Directors adopted the decisions of the 
Subsidiaries' boards of directors to examine the deepening of the synergies and operational 
streamlining  in  the  Subsidiaries,  based  on  the  main  outline  that  will  include  Bezeq 
International's full and statutory merger with and into DBS (subject to regulatory approvals), 
following  the  splitting  of  Bezeq  International's  integration  activity  into  a  new  separate 
corporation  in  the  Group,  while  examining  the  deepening  of  the  synergy  between  the 
Subsidiaries by providing certain administrative services to the Subsidiaries by Pelephone. 
The findings of the examination and the implementation plan for the examined change will 
be brought for discussion and approval (as required) by Bezeq's Board of Directors ("the 
Change Outline"). 

This decision comes against the backdrop of increasing service and business cohesion in 
the industry, increasing competition in the subsidiaries' operating segments, the business 
and regulatory changes that apply and are expected to apply to Bezeq International and 
DBS and their activities, and the need to examine the deepening synergies and operational 
streamlining in the Subsidiaries, in order to maximize and unlock value for the benefit of 
each of the Subsidiaries. 

The Change Outline will allow, among other things, optimal adjustment of the activities of 
the Subsidiaries to the structure of the industry, and providing as uniform a response as 
possible to the needs of customers, in terms of sales and service, which will contribute to 
growth. As is well known, group synergy that also involves the Company is not possible at 
this  stage  in  view  of  the  structural  separation  set  forth  in  the  Company's  license,  the 
elimination of which the Ministry of Communications has not yet approved. 

The move, insofar as it is completed, has the potential to contribute to the business results 
of the subsidiaries, both as a result of improving the ability to sell and retain subscribers to 
the companies' services and as a result of streamlining and reducing expenses estimated 
at tens of millions of shekels per year. In addition, splitting the integration activity may also 
unlock value for the Company. 

The  information  contained  in  this  section  also  includes  forward-looking  information,  as 
defined in the Securities Law, which is based on the Company's assessments, assumptions 
and expectations, including in relation to market conditions, customer preferences and the 
realization of the Change Outline, which may not materialize or materialize in a materially 
different way that anticipated, according to developments in the communications market, 
competition, regulatory approvals and other aspects. 

For details regarding processes for sharing management resources and utilizing synergies 
between the subsidiaries Pelephone, Bezeq International and DBS, see section1.8. 

1.1.7.  Investigations by the Israel Securities Authority and the Israel Police 

Following the investigations of the Securities Authority from June 2017 and of the Securities 
Authority  and  the  Israel  Police  from  February  2018  on  suspicion  of  committing  offenses 
under the Securities Law and the Penal  Code, 5737-1977 ("Penal Code"), in respect of 
transactions  related  to  the  previous  controlling  shareholder  in  the  Company  and  former 
Chairman of Bezeq's Board of Directors, Shaul Elovich ("Elovich") regarding the purchase 
of DBS shares and the provision of satellite communication services to DBS, the Ministry 
of Communications' dealings with Bezeq ("the DBS Case") as well as suspicions of the 
exercise of powers by Prime Minister Binyamin Netanyahu, to advance issues concerning 
the business of Elovich and the economic interests of him and the Bezeq Group ("Case 
4000") - 

1.1.7.1  On January 28, 2020, an indictment was filed with the Jerusalem District 
Court  in  Case  4,000,  inter  alia,  against  Elovich  for  various  offenses,  including 
bribery  and  deliberate  misstatement  in  an  immediate  report  in  connection  with 
suspicions  of  exercise  of  powers  by  Prime  Minister  Binyamin  Netanyahu  to 
advance issues concerning the business of Elovich and the economic interests of 
him and the Bezeq Group. 

1.1.7.2  On December 23, 2020, Bezeq received a notice from the Tel Aviv District 
Attorney's Office (Taxation and Economy) regarding the consideration of Bezeq's 

7 

 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

prosecution  and  its  summons  to  a  hearing  on  Case  4,000  ("the  Notice")9 
According to which: 

a)  After examining the evidence before him, the Attorney General is considering 
filing an indictment against Bezeq on suspicion of bribery (an offense under 
Article  291  of  the  Penal  Code  and  Article  23  of  the  Penal  Code),  and  a 
reporting offense with the aim of misleading a reasonable investor (offense 
under Article 53(a)(4) of the Securities Act and Article 23 of the Penal Code). 

b)  According  to  the  Notice,  according  to  the  suspicion,  Bezeq's  criminal 
responsibility for the offense of bribery stems from the actions and criminal 
thought of Elovich, who was its organ in the period relevant to the suspicions.  

c)  Also, according to the Notice, according to the suspicion, Bezeq's criminal 
responsibility for the reporting offense stems from the actions and criminal 
thought of Elovich who was its organ in the period relevant to the suspicions, 
and the actions and criminal thought of Stella Handler (former Bezeq CEO), 
who  was  Bezeq's  organ  in  the  relevant  period  (see  section  1.1.5.3b). 
According to allegations in this context, Bezeq reported on a letter from the 
Director General of the Ministry of Communications that allegedly included a 
misstatement  (of  which  Elovich  and  Stella  Handler  were  aware),  and  only 
after the intervention of senior officials in the State’s legal advice system, the 
letter  was  amended  and  the  amendment  was  reported  by  Bezeq  to  the 
public. 

d)  According to the Notice, before the Attorney General makes a final decision 
regarding the criminal prosecution of Bezeq, and insofar as Bezeq wishes to 
argue  against  the  possibility  of  criminal  prosecution,  it  must  coordinate  a 
hearing  within  30  days  from  the  date  of  the  Notice,  and  submit  written 
arguments two weeks before the date scheduled for the hearing.  

e) 

It should be noted that Walla (a former subsidiary of Bezeq) also received a 
similar  notice  according  to  which,  after  examining  the  evidence  presented 
thereto, the Attorney General is also considering filing an indictment against 
Walla on suspicion of bribery (an offense under Article 291 of the Penal Code 
and Article 23 of the Penal Code) when, according to the suspicion, Walla's 
criminal liability for the offense of bribery stems from the criminal acts and 
thought of Elovich who was its organ in the period relevant to the suspicions. 

f)  Bezeq and Walla have received the core of the investigation material relating 
to the above suspicions, they are studying the notices and are preparing for 
the hearing, and they intend to argue at the hearing against the possibility of 
criminal prosecution.  

1.1.7.3  On  December  23,  2020,  to  the  best  of  Bezeq’s  knowledge,  an 
announcement by the State Attorney's Office was published, according to which, 
among other things, the State Attorney's Office  (Taxation and Economics) filed 
on the same day an indictment against Elovich with the Tel Aviv District Court, as 
well  as  against  former  senior  officials  in  Bezeq  Group  and  BBS,  Or  Elovich, 
Amikam  Shorer,  Linor  Yochelman  ,  Ron  Eilon  and  Mickey  Neiman  in  the  DBS 
Case. According to the publication: 

a)  The  indictment  attributes  to  the  defendants  the  offenses  of  aggravated 
obtainment by fraud, fraud and breach of trust in a corporation, and reporting 
offenses under the Securities Law, in relation to two cases: Fraud in relation 
to  the  payment  of  the  consideration  for  the  purchase  of  DBS  shares  by 
Bezeq, and fraud in relation to the conduct of the independent committees 
established  by  Bezeq  for  the  purpose  of  examining  Bezeq  transactions  in 
which Elovitch had a personal interest. 

b)  The  State  Attorney's  Office  (Taxation  and  Economics)  entered  into  a 
conditional  settlement  agreement  under  the  Securities  Law  with  Stella 
Handler, in which Stella Handler admitted the facts according to which she 
was  involved  in  intentional  misstatement  in  Bezeq's  statements.  In 

9It should be noted that on November 20, 2017, Bezeq received a "letter of suspect notification" according to which the investigation 
file in the framework of which it was questioned as a suspect was transferred to the State Attorney's Office for review. Since then, 
no further notice has been received by Bezeq on this matter. 

8 

 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

accordance with what is stated in the arrangement, the DBS case was closed 
in the case of Stella Handler. 

c)  The investigation files in respect of other suspects investigated in the cases 
mentioned above were closed, including against the former VP of regulation 
at Bezeq, as well as against Or Elovitch and Amikam Shorer (in relation to 
both - except with regard to the DBS Case as indicated in the preamble of 
this section).  

1.1.7.4  Bezeq  does  not  yet  have  complete 

information 

the 
investigations, their content, materials and evidence in the possession of the law 
authorities in the matter (although in January 2021, Bezeq received the core of 
the  investigation  material  in  connection  with  Case  4000,  following  Bezeq's 
summons to a hearing on this matter as detailed in section1.1.7.2). Accordingly, 
Bezeq is still unable to assess the effects of the investigations, their findings and 
results on Bezeq and its financial statements. For this matter see Note 1.3 to the 
2020 statements.  

regarding 

1.1.7.5 

It should be noted that following the opening of the said investigations, a 
number  of  civil  legal  proceedings  were  opened  against  Bezeq,  DBS,  Bezeq's 
officers  in  the  relevant  period  and  companies  from  Bezeq’s  former  controlling 
group, including motions for approval of class actions and motions for disclosure 
of documents before filing a motion for approval of a derivative claim. For details 
regarding these procedures see section2.18. 

1.1.7.6  Regarding the DBS,  which on November 20, 2017, received  a "letter of 
suspect  notification"  according  to  which  the  investigation  case  in  which  it  was 
questioned  as  a  suspect  was  forwarded  to  the  State  Attorney's  Office  -  in 
accordance with the State Attorney's Office's  notice received by DBS, after the 
Securities  Authority  case  (Ref.  No.  03/2017),  in  which  it  was  questioned  as  a 
suspect, was examined by the State Attorney's Office, it was decided on January 
11, 2021 to shelf the case against it, without filing an indictment therein. 

1.2.  Areas of activity 

The  Group  has  four  main  areas  of  activity  that  correspond  to  the  corporate  division  among  the 
Group's  companies  and  are  reported  as  business  segments  in  Bezeq’s  consolidated  financial 
statements (see also Note 28 to the 2020 statements):  

1.2.1.  Bezeq – Landline interior communications 

This area mainly includes the activities carried out by Bezeq as an NIO (National Interior 
Operator),  including  telephony  services,  Internet  access  and  infrastructure  services 
(including  BSA  wholesale  service),  transmission  and  data  communication  services  and 
wholesale services of using Bezeq's physical infrastructure. Bezeq’s activity in the field of 
landline interior communications is described in section 2 of this report.  

1.2.2.  Pelephone - Cellular communication ("Mobile Radio") 

Cellular radio-telephone services (cellular communications), marketing of end equipment, 
installation, operation and maintenance of equipment and  systems in the field of cellular 
communications. Pelephone activity is described in section3 of this report.  

1.2.3.  Bezeq  International  -  Internet,  international  communications  and  network  endpoint 

services 

Internet  access  services  (ISP),  international  communication  services,  network  endpoint 
services and the provision of ICT solutions. Bezeq International's activities are described 
in section4 to this report.  

1.2.4.  DBS - Multi-channel TV 

Digital multi-channel TV broadcasting services to subscriptions over satellite (DBS) as well 
as over the Internet (OTT) and the provision of value-added services to subscribers. DBS 
activity is described in section3 to this report.  

It  should  be  noted  that  in  addition,  Bezeq's  consolidated  financial  statements  include  the  "other" 
segment, which includes mainly call center services for customers (via Bezeq Online) and included, 
until  December  27,  2020,  content  services  in  the  field  of  Internet  (via  Walla,  the  sale  of  Bezeq's 
holdings was completed on the date specified in section 1.1.1). This "other" segment is not material 
at the Group level. 

9 

 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

1.3.  Investments in the corporation's capital and transactions in its shares 

Regarding the completion of the transaction for the transfer of control of the Company on December 
2, 2019, see section 1.1.4 above.  

On  December  10,  2020,  the  Company  announced  the  purchase  of  10,580,000  ordinary  Bezeq 
shares in exchange for a total amount of approximately NIS 40 million and an average price of NIS 
3.78 per share. Following the said acquisition, the Company holds 26.72% of the issued and paid-
up share capital and of the voting rights in Bezeq. 

No further investments were made in the Company's capital in the reporting year and the Company 
is not aware of any other material transactions made in Bezeq shares by a stakeholder outside the 
Stock Exchange.  

1.4.  Dividend distribution 

From January 1, 2018 until the date of publication of this report, the Company has not distributed 
dividends to its shareholders and as of the date of this report, the Company does not have a valid 
dividend distribution policy. 

1.5.  Financial information regarding the areas of activity of Bezeq Group 

All data in sections 1.5.1 to 1.5.4 are stated in NIS millions.  

1.5.1.  2020 

Lnadline 
interior 
commun
ication 

Cellular 
commun
ication 
(mobile 
radio 
telephon
e) 

Internet 
and 
internati
onal 
commun
ication 
services 

Other 

Multi-
channel 
TV (3) 

Consolid
ated 

Consolid
ation 
adjustm
ents (2) 

3,813 

2,

127

1,

217

1,

286

346 
4,
159

59 
186

2,

54 
271

1,

850 

799 

1,021 

1,

604

1,

471

491 

2,454 
2,405 

2,

270

2,

162

1,512 
1,246 

1 
287

1,

532 

797 

1,

329

1,

296

280 

6 
286 

186 

56 

242 
236 

- 

(466)

(466)

8,

723

- 
723

8,

(539)

(77)

7,268 
7,268 

49 

108 

266 

33 

6 

(462)

- 

2,454 

2,

270

1,512 

1,

329

242 

(539)

7,268 

1,705 

(84)

(241)

(42)

8,471 

4,

371

785 

1,

365

44 

96 

73 

1,455 

1,)

(847

13,241 

11,764 

1,

742

580 

505 

42 

)

1,242
(

13,391 

Total revenue: 
External 

From other areas of activity in 
the corporation 

Total revenue 
Total attributable costs: 

Variable costs attributed to the 
area of activity (1) 
Fixed costs attributed to the area 
of activity (1) 
Total costs  

Costs that do not constitute 
revenue in another area of 
activity (3) 

Costs that constitute revenue of 
other areas of activity 

Total costs  
Profit from ordinary activities 
attributed to the owner of the 
Cmpany 
Total assets attributed to activity 
as of December 31, 2020 
Total liabilities attributed to the 
area of activity as of December 
31, 2020 

(1)  The Group companies, which are companies that provide services (as opposed to manufacturing companies), do not maintain a 
dedicated pricing system that distinguishes between fixed and variable costs. The above distribution was made for the purposes 
of this report only. Variable costs are costs in the management and control of which and in the effect of which on direct output the 
companies have flexibility in the short term, as opposed to fixed costs that are not flexible in the short term and do not directly 
affect output (in this regard, in relation to the definition of fixed costs and variable costs, it is clarified that "short term" means a 
period of up to one year).  

10 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

The variable costs included non-recurring expenses (revenue) that were included in the other expenses (revenue) item of each 
company. 

(2)  Detailed consolidation adjustments - transactions between areas of activity. 

(3)   See Note 11 to the 2020 statements regarding the neutralization of the impairment loss in assets in the multi-channel television and cellular 

communication segments. The impairment loss in the segmewnt is presented as part of the adjustments. 

1.5.2.  2019 

Total revenue: 

External 
From other areas of activity in 
the corporation 

Total revenue 
Total attributable costs: 

Variable costs attributed to the 
area of activity (1) 

Fixed costs attributed to the area 
of activity (1) 

Total costs  
Costs that do not constitute 
revenue in another area of 
activity (3) 
Costs that constitute revenue of 
other areas of activity 
Total costs  

Profit from ordinary activities 
attributed to the owner of the 
Cmpany 

Total assets attributed to activity 
as of December 31, 2019 

Total liabilities attributed to the 
area of activity as of December 
31, 2019 

Lnadline 
interior 
commun
ication 

Cellular 
commun
ication 
(mobile 
radio 
telephon
e) 

Internet 
and 
internati
onal 
commun
ication 
services 

Other 

Multi-
channel 
TV (3) 

Consolid
ated 

Consolid
ation 
adjustm
ents (2) 

3,757 

2,316 

1,28  
3

1,344 

316 
4,073 

46 
2,362 

65  
1,339 

1 
1,345 

307 

1,080 

1,624 

1,381 

727 

808 

630 

850 

1,931 
1,883 

2,461 
2,357 

1,535 
1,292 

1,480 
1,457 

229 

9 
238 

177 

60 

237 
232 

- 

8,92  
9

(284)

(428)

- 
8,92  
9

435 
858 

8,079 
8,079 

48 

104 

243 

23 

5 

(423)

- 

1,931 

2,461 

1,535 

1,480 

237 

435 

8,079 

2,142 

(99)

(196)

(135)

1 

(863)

850 

8,091 

4,088 

1,084 

1,491 

151 

1,)

(914

12,991 

12,466 

1,434 

604 

576 

79 

)

1,236
(

13,923 

(1)  The Group companies, which are companies that provide services (as opposed to manufacturing companies), do not maintain a 
dedicated pricing system that distinguishes between fixed and variable costs. The above distribution was made for the purposes 
of this report only. Variable costs are costs in the management and control of which and in the effect of which on direct output the 
companies have flexibility in the short term, as opposed to fixed costs that are not flexible in the short term and do not directly 
affect output (in this regard, in relation to the definition of fixed costs and variable costs, it is clarified that "short term" means a 
period of up to one year).  
The variable costs included non-recurring expenses (revenue) that were included in the other expenses (revenue) item of each 
company. 

(2)  Detailed consolidation adjustments - transactions between areas of activity. 

(3)   See Note 11 to the 2020 statements regarding the neutralization of the impairment loss in assets in the multi-channel television and cellular 

communication segments. The impairment loss in the segmewnt is presented as part of the adjustments. 

1.5.3.  2018 

Total revenue: 

Lnadline 
interior 
commun
ication 

Cellular 
commun
ication 
(mobile 
radio 
telephon
e) 

Internet 
and 
internati
onal 
commun
ication 
services  

11 

Other 

Multi-
channel 
TV 

Consolid
ated 

Consolid
ation 
adjustm
ents (2) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

External 
From other areas of activity in 
the corporation 
Total revenue 

Total attributable costs: 
Variable costs attributed to the 
area of activity (1) 

Fixed costs attributed to the area 
of activity (1) 

Total costs  
Costs that do not constitute 
revenue in another area of 
activity (3) 
Costs that constitute revenue of 
other areas of activity 
Total costs  

Profit from ordinary activities 
attributed to the owner of the 
Cmpany 

Total assets attributed to activity 
as of December 31, 2018 

Total liabilities attributed to the 
area of activity as of December 
31, 2018 

3,883 

2,401 

1,338 

1,473 

226 

- 

9,321 

313 

4,196 

42 

53 

- 

2,443 

1,391 

1,473 

15 

241 

(423) 

(423) 

- 

9,321 

1,340 

1,263 

719 

678 

198 

1,632 

1,182 

595 

851 

79 

2,972 

2,915 

2,445 

2,343 

1,314 

1,076 

1,529 

1,516 

277 

270 

1,366 

1,783 

9,903 

9,903 

57 

102 

238 

13 

7 

(417) 

- 

2,972 

2,445 

1,314 

1,529 

277 

1,366 

9,903 

1,224 

(2) 

77 

(56) 

(36) 

(1,789) 

(582) 

8,896 

4,124 

1,370 

1,606 

159 

193 

16,348 

14,284 

1,425 

733 (*) 

687 

84 

(1,159)  

16,054 

(2)  The Group companies, which are companies that provide services (as opposed to manufacturing companies), do not maintain a 
dedicated pricing system that distinguishes between fixed and variable costs. The above distribution was made for the purposes 
of this report only. Variable costs are costs in the management and control of which and in the effect of which on direct output the 
companies have flexibility in the short term, as opposed to fixed costs that are not flexible in the short term and do not directly 
affect output (in this regard, in relation to the definition of fixed costs and variable costs, it is clarified that "short term" means a 
period of up to one year).  
The variable costs included non-recurring expenses (revenue) that were included in the other expenses (revenue) item of each 
company. 

(2)  Detailed consolidation adjustments - transactions between areas of activity. 

For  explanations  about  the  developments  in  the  financial  data  presented  In  sections1.5.1  to  1.5.3  aee 
Section 1 of the Board of Directors’ report on the state of the corporation's affairs ("Board of Directors' 
Report").  

1.5.4.  Main results and operational data  

The following is a summary of data on the results of each of the Company's main areas of 
activity in 2019 and 2020.  

1.5.4.1  Bezeq Fixed Lines (Bezeq’s activity as NIO) 

2020 

2019  Q4/ 

2020 

Q3/ 
2020 

Q2/ 
2020 

Q1/ 
2020 

Q4/ 
2019 

Q3/ 
2019 

Q2/ 
2019 

Q1/ 
2019 

Revenue (NIS millions) 

4,159 

4,073 

1,055  1,042  1,044  1,018 

985 

1,025  1,020  1,043 

Operating profit (NIS millions) 

1,705 

2,142 

Depreciation and amortization (NIS millions) 

877 

861 

Operating profit before depreciation and 
amortization (EBITDA) (NIS millions) (1) 

2,582 

3,003 

356 

225 

581 

Net profit (NIS millions) 

1,040 

1,192 

216 

Cash flow from operating activities (NIS millions) 

2,106 

1,847  

600 

Payments for investments in fixed assets and 
intangible assets and other investments (NIS 
millions) 

910 

881 

237 

446 

222 

668 

300 

561 

272 

464 

218 

682 

229 

334 

201 

439 

212 

651 

295 

611 

200 

296 

225 

521 

134 

476 

440 

225 

875 

204 

531 

207 

665 

1,079 

738 

175 

484 

562 

416 

321 

471 

193 

145 * 

333 * 

210 

Receipts from the sale of fixed assets and 

146 

407 

119 

1 

19 

7 

14 

14 

340 

39 ** 

12 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

intangible assets (NIS millions) 

Lease payments 

111 

114 

27 

26 

26 

32 

28 

1,231 

1,259 

455 

264 

126 

386 

269 

** 

27 

396 
*** 

34 

266 
*** 

25 

328 
*** 

Free cash flow (NIS millions) (2) 

Number of active subscribers at the end of the 
period (thousands) (3) 

Average monthly income per telephony 
subscriber (NIS) (ARPL) (4) 

1,639 

1,718 

1,639  1,653  1,675  1,693  1,718  1,743  1,768  1,792 

50 

49 

50 

51 

51 

48 

48 

49 

49 

50 

Outgoing usage minutes (millions)  

3,985 

3,499 

1,004  1,019   1,079 

883 

820 

888 

865 

926 

Incoming usage minutes (millions) 

5,107 

4,291 

1,326  1,368  1,293  1,120  1,046  1,099  1,056  1,090 

Total number of Internet subscribers at the end 
of the period (thousands) (7) 

Of which are Internet lines at the end of the 
period - wholesale (thousands) (7) 

Of which are Internet lines at the end of the 
period - in retail (thousands) (7) 

Average monthly income per Internet subscriber 
(NIS) - retail (ARPU)(8) 

Average package speed for Internet subscriber – 
retail (Mbps) (5) 

1,556 

1,575 

1,556  1,565  1,571  1,566  1,575  1,589  1,613  1,635 

557 

592 

557 

570 

580 

584 

592 

601 

612 

624 

999 

983 

999 

995 

991 

982 

983 

988 

1,001  1,011 

99 

97 

102 

100 

98 

98 

98 

98 

97 

96 

74.2 

67.8 

74.2 

71.6 

70.4 

69.1 

67.8 

66.2 

64.0 

61.5 

Churn rate of telephony subscribers (6) 

12.5% 

11.7% 

3.2% 

3.4% 

2.7% 

3.2% 

2.9% 

3.0% 

2.7% 

3.0% 

(1)  Operating profit before depreciation and amortization (EBITDA) is a financial index that is not based on generally 
accepted accounting principles.  Bezeq presents this index as another index for evaluating its business results 
since  it  is  an  accepted  index  in  Bezeq’s  area  of  activity  which  neutralizes  aspects  resulting  from  variability  in 
capital structure, various taxation aspects and manner and period of amortization of fixed and intangible assets. 
This index is not a substitute for indices based on generally accepted accounting principles, and does not serve 
as a single index for assessing Bezeq’s results of operations or cash flow. Also, the index presented in this report 
may not be calculated in the same way as other indices in other companies. Bezeq’s EBITDA is calculated as 
operating  profit  before  depreciation,  amortization  and  ongoing  losses  from  impairment  of  fixed  assets  and 
intangible assets. As of January 1, 2019, and for the purpose of an adequate presentation of economic activity, 
Bezeq presents ongoing losses from impairment of fixed assets and intangible assets in DBS and Walla under 
the depreciation and amortization item, as well as ongoing losses from impairment of broadcasting rights under 
the operating and general expenses item (in the statement of income). For this matter see Note 11 to the financial 
statements  and  section  8  of  the  chapter  on  the  description  of  the  corporation's  business  in  the  2020  periodic 
report. 

(2)  Free cash flow is a financial measure that is not based on generally accepted accounting principles. Free cash 
flow is defined as cash arising from current operations  minus cash for the purchase / sale of fixed assets and 
intangible assets, net, and as of 2018, with the implementation of IFRS 16, lease payments are also deducted. 
Bezeq presents free cash flow as an additional index to evaluate business results and cash flows, since Bezeq is 
of the opinion that cash flow is an important liquidity index that reflects the cash derived by Bezeq from its current 
operations after investing cash in infrastructure and fixed assets and other intangible assets. For this matter see 
section 8 of the chapter on the description of the corporation's business in the 2020 periodic report. 

(3)  Inactive  subscribers  are  subscribers  whose  Bezeq  lines  have  been  physically  disconnected  (excluding  a 
subscriber  who  has  not  paid  his  debt  to  Bezeq  on  time  in  the  first  three  months  (approximately)  of  collection 
proceedings). 

(4)  Calculated according to the average of subscribers for the period. For this matter see also section 8 of the chapter 

on the description of the corporation's business in the 2020 periodic report. 

(5)  In plans where there is a range of speeds, the maximum speed in the plan is taken into account. 
(6)  Number (gross) of telephony subscribers who abandoned Bezeq  Fixed Lines during the period divided by the 
average  number  of  telephony  subscribers  registered  in  the  period.  See  also  section  8  of  the  chapter  on  the 
description of the corporation's business in the 2020 periodic report. 

(7)  Total number of Internet subscribers including retail and wholesale subscribers. Retail - Bezeq's direct Internet 
subscribers. Wholesale - Internet subscribers through wholesale service to other communication providers. 
(8)  Revenue from retail Internet services divided by the average number of retail customers in the period. For this 
matter, see also section 8 of the chapter on the description of the corporation's business in the  2020 periodic 
report. 

(*) In the second quarter of 2019 - including payment of an improvements levy in respect of the sale of the "Sakia" 
complex in the amount of approximately NIS 149 million. In the third quarter of 2019 - including a receipt for the 
improvements levy received in the amount of approximately NIS 75 million. 

(**) In the first quarter of 2019 - including consideration from the sale of Sakia in the amount of approximately NIS 5 
million as well as a refund of land appreciation tax received in the amount of approximately NIS 5 million. In the 
second quarter of 2019 - including consideration from the sale of Sakia in the amount of approximately NIS 323 
million. 

13 

 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

(***) See (*) and (**)  

1.5.4.2  Pelephone 

2020 

2019 

Q4/ 
2020 

Q3/ 
2020 

Q2/ 
2020 

Q1/ 
2020 

Q4/ 
2019 

Q3/ 
2019 

Q2/ 
2019 

Q1/ 
2019 

Revenue from services (NIS millions) 

1,591 

1,709 

396 

396 

394 

405 

416 

446 

430 

417 

Revenue from the sale of end equipment (NIS 
millions) 

595 

653 

137 

149 

141 

168 

186 

166 

140 

161 

Total revenue (NIS millions) 

2,186 

2,362 

533 

545 

535 

573 

602 

612 

570 

578 

Operating profit (loss) (NIS millions) 

Depreciation and amortization (NIS millions) 

Operating profit before depreciation and 
amortization (EBITDA) (NIS millions) (1) 

Net profit (loss) (NIS millions) 

Cash flow from operating activities (NIS millions) 

Payments for investments in fixed assets, 
intangible assets and other investments, net 
(NIS millions) 

Lease payments 

Free cash flow (NIS millions) (1) 

Number of postpaid subscribers for the end of 
the period (thousands) (2) 

Number of prepaid subscribers for the end of the 
period (thousands) (2) 

Number of subscribers for the end of the period 
(thousands) (2) 

Average monthly income per subscriber (NIS) 
(ARPU) (3) 

(84) 

599 

515 

(25) 

697 

318 

230 

149 

(99) 

(36) 

(27) 

(8) 

(13) 

(97) 

16 

(8) 

(10) 

633 

534 

151 

115 

147 

120 

151 

143 

150 

137 

163 

66 

157 

173 

156 

148 

157 

147 

(47) 

(12) 

(12) 

1 

(2) 

(69) 

18 

2 

2 

677 

292 

242 

143 

241 

80 

143 

100 

149 

164 

146 

200 

136 

195 

73 

65 

75 

72 

82 

63 

48 

67 

113 

(24) 

48 

28 

67 

32 

51 

20 

76 

52 

46 

8 

69 

63 

2,044 

1,902 

2,004  1,976  1,948  1,928  1,902  1,886  1,857  1,834 

438 

425 

438 

420 

417 

428 

425 

415 

397 

382 

2,442 

2,327 

2,442  2,396  2,365  2,356  2,327  2,301  2,254  2,216 

56 

63 

55 

56 

56 

58 

60 

65 

64 

63 

Subscriber churn rate (Churn Rate) (4) 

26.9% 

30.8% 

5.9% 

7.0% 

6.8% 

7.2% 

7.3% 

7.3% 

7.5% 

8.7% 

(1)  For the definition of operating profit before depreciation and amortization (EBITDA) and free cash flow, see notes 

(1) and (2) in the Bezeq Fixed Lines table.  

(2)  The subscriber data include Pelephone subscribers (net of other operators’ subscribers hosted on Pelephone’s 
network,  and net of  IoT subscribers)  and  do not include subscribers connected to  Pelephone’s service  for six 
months or more but are inactive. Inactive subscribers are subscribers who in the last six months have not received 
at least one call, did not make at least one call / message or did not perform a browsing operation or did not pay 
for  Pelephone’s  services.  Prepaid  subscribers  are  included  in  the  active  subscriber  base  from  the  date  of 
performing a charge and  are deducted from the active subscriber  base when no making outbound use for six 
months or more. It should be noted that a customer may have more than one subscriber ("line"). The number of 
subscribers includes subscribers who consume various services (such as data for in-vehicle media systems), the 

14 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

average income from which is significantly lower than the rest of the subscribers. The subscriber base includes a 
retroactive  classification  of  postapid  subscribers  as  IoT  subscribers  (which  are  not  included  in  the  subscriber 
base), which resulted in a decrease in the number of postpaid subscribers by about 9k in 2019 and about 12k in 
2020 without a change in the annual ARPU index. 

(3)  The  average  monthly  income  per  subscriber  (postpaid  and  prepaid).  The  index  is  calculated  by  dividing  the 
average monthly revenue from all cellular services from both Pelephone’s subscribers and other communication 
operators,  including  revenue  received  from  cellular  operators  using  Pelephone’s  network,  repair  service  and 
extended warranty in the period by the average active subscriber base in that same period. See also section 8 of 
the chapter on the description of the corporation's business in the 2020 periodic report. 

(4)  The subscriber churn rate is calculated according to the ratio of the subscribers who disconnected from Pelephone 
services and the subscribers who became inactive during the period to the average of active subscribers during 
the period. See also section 8 of the chapter on the description of the corporation's business in the 2020 periodic 
report. 

1.5.4.3  Bezeq International  

2020 

2019 

Q4/ 
2020 

Q3/ 
2020 

Q2/ 
2020 

Q1/ 
2020 

Q4/ 
2019 

Q3/ 
2019 

Q2/ 
2019 

Q1/ 
2019 

Revenue (NIS millions) 

1,271 

1,339 

323 

325 

314 

317 

330 

329 

339 

341 

Operating profit (loss) (NIS millions) 

(241) 

(196) 

(22) 

(275) 

149 

190 

26 

42 

27 

38 

29 

43 

(189) 

(40) 

51 

47 

7 

46 

26 

46 

(92) 

(6) 

4 

(233) 

65 

72 

(138) 

7 

53 

72 

Net profit (loss) (NIS millions) 

(275) 

(157) 

(13) 

(305) 

230 

255 

  75 

47 

21 

48 

22 

60 

(149) 

 (32) 

87 

64 

4 

48 

20 

56 

116 

128 

21 

28 

33 

34 

21 

40 

34 

33 

Depreciation and amortization (NIS 
millions) 

Operating profit (loss) before 
depreciation and amortization 
(EBITDA) (NIS millions) (1) 

Cash flow from operating activities (NIS 
millions) 

Payments for investments in fixed 
assets and intangible assets and other 
investments, net (NIS millions) (2) 

Lease payments 

Free cash flow (NIS millions) (1) 

30 

84 

32 

95 

7 

47 

7 

12 

8 

7 

8 

18 

8 

58 

8 

16 

8 

6 

8 

15 

Subscriber churn rate (3) 

30.2% 

26.2% 

10.2% 

7.2% 

6.1% 

6.7% 

6.3% 

7.1% 

6.2% 

6.6% 

Some  of  the  data  in  the  table  were  updated  following  the  restatement  of  the  Company's  and  Bezeq's  financial 
statements as detailed in section 1.9 and in Note 1.5 to the Company's financial statements. 
(1) 

For the definition of operating profit before depreciation and amortization (EBITDA) and free cash flow, see 
notes (1) and (2) in the Bezeq Fixed Lines table. 
The section also includes investments in long-term assets. 

(2) 
(3)  Number of Internet subscribers who left Bezeq International during the period is an average of the 
average Internet subscribers registered during the period. See also section 8 of the chapter on the 
description of the corporation's business in the periodic report for 2020. 

1.5.4.4  DBS  

2020 

2019 

Q4/ 
2019 

Q3/ 
2019 

Q2/ 
2020 

Q1/ 
2020 

Q4/ 
2020 

Q3/ 
2020 

Q2/ 
2020 

Q1/ 
2020 

Revenue (NIS millions) 

1,287 

1,345 

317 

313 

319 

338 

331 

334 

337 

343 

Operating profit (loss) (NIS millions) 

Depreciation, amortization and ongoing 
impairment (NIS millions) 

39 

203 

(55) 

219 

(11) 

59 

18 

50 

23 

50 

9 

44 

(6) 

46 

20 

50 

(24) 

(45) 

68 

55 

15 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

Operating profit before depreciation, 
amortization and ongoing impairment 
(EBITDA) (NIS millions) (1) 

242 

164 

48 

68 

73 

53 

40 

70 

44 

10 

Net profit (loss) (NIS millions) 

24 

(69) 

(24) 

163 

143 

14 

16 

69 

18 

39 

14 

41 

(7) 

31 

15 

37 

(27) 

(50) 

22 

53 

Cash flow from operating activities (NIS 
millions) 

Payments for investments in fixed assets 
and intangible assets and other 
investments, net (in NIS millions) 

Lease payments 

Free cash flow (NIS millions) (1) 

Number of subscribers (at the end of the 
period, thousands) (2) 

Average monthly income per subscriber 
(ARPU) (NIS) (3) 

141 

238 

26 

38 

40 

37 

32 

69 

73 

64 

26 

(4) 

30 

6 

(125) 

(18) 

6 

25 

7 

(8) 

7 

(3) 

7 

(8) 

8 

7 

8 

(40) 

(58) 

(19) 

557 

555 

557 

556 

557 

556 

555 

558 

565 

568 

190 

197 

186 

187 

190 

195 

195 

195 

197 

200 

Subscriber churn rate (4) 

21.0% 

21.2% 

4.9% 

5.4% 

4.8% 

5.9% 

5.2% 

5.5% 

4.9% 

5.6% 

(1)  For the definition of operating profit before depreciation and amortization (EBITDA) and free cash flow, see notes 

(1) and (2) in the Bezeq Fixed Lines table. 

(2)  Subscriber - one household or a small business customer. In the case of a business customer who owns more 
than a certain number of decoders (such as a hotel, kibbutz or gym), the number of subscribers is adjusted. The 
number of non-small business customers is calculated by dividing the total payment received from all non-small 
business customers by the average income per small business customer, which is determined once per period.  

(3)  The average monthly revenue per subscriber is calculated by dividing the total DBS revenue (excluding revenue 
from the sale of content to external broadcasters) by the average number of customers in the period. See also 
section 8 of the chapter on the description of the corporation's business in the  2020 periodic report. In the first 
quarter of 2020, DBS updated the definition of ARPU so that ARPU does not include the sale of content to external 
broadcasters. ARPU data for previous periods were restated accordingly. 

(4)  The  number  of  DBS  subscribers  who  abandoned  DBS  during  the  period  divided  by  the  average  number  of 
subscribers  registered  in  the  period.  See  also  section  8  of  the  chapter  on  the  description  of  the  corporation's 
business in the 2020 periodic report. 

1.6.  Forecast in relation to the Bezeq Group 

The following is the Group's forecast for 2021 based on the information currently known to the Bezeq 
Group:  

-  Adjusted net profit10 for shareholders is expected to be approx. NIS 1 billion  

- God-Adjusted EBITDA11 It is expected to be approx. NIS 3.45 billion  

- God-CAPEX12 It is expected to be approx. NIS 1.7 billion  

The forecasts detailed in this section are forward-looking information, as defined in the Securities 
Law. The forecasts are based on Bezeq's assessments, assumptions and expectations. 

10 Adjusted net profit and adjusted EBITDA – net of the other operating expenses / revenue, net item, non-recurring losses / gains 
from impairment / increase in value, and expenses of options for employees. It should be noted that the adjusted EBITDA and the 
adjusted net profit for 2020 were approximately NIS 3.659 billion and approximately NIS 1.144 million, respectively. 

11 See footnote 10. 

12 CAPEX - Payments (gross) for investment in fixed assets and intangible assets. It should be noted that the CAPEX for 2020 was 

approximately NIS 1.50 billion. 

16 

 
 
 
 
 
 
 
 
 
 
  
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

The forecasts are based, among other things, on the Group's assessments regarding the structure 
of  competition  in  the  communications  market  and  the  regulation  of  the  segment,  on  the  current 
economic situation in the economy, and  accordingly, the Group's ability to implement its plans for 
2021,  taking  into  account  the  changes  in  business  conditions,  regulatory  decisions,  technological 
changes, developments in the structure of the communications market, etc. or insofar as one or more 
of the risk factors listed in the 2020 periodic report materialize. There is also no certainty that the 
forecast will fully or partially materialize, among other things, in the face of the COVID-19 pandemic 
and the uncertainty as a result thereof. 

The Company will report, as required, deviations of ± 10% or more from the amounts specified in the 
forecast. 

1.7.  General environment and the influence of external factors on the Group's 

activities 

The communications industry in the world and in the Israeli economy is characterized by a rapid pace 
of development, and frequent changes in terms of technology, in terms of the business structure of 
the industry and in terms of the regulation applied to it. The main trends and main characteristics of 
the  communications  market  in  recent  years,  which  have  a  significant  impact  on  the  Group's 
operations as a whole, will be described below. 

In the communications market, there is fierce competition in most areas of the Group's activity: 

In the field of cellular telephony, the multiplicity of competitors leads to fierce competition in the field 
that  leads  to  low  prices  and  increased  customer  mobility.  In  the  field  of  landline  telephony, 
competition, including on the part of cellular companies, leads to a decrease in the consumption of 
landline telephony minutes as well as the abandonment of landline telephony customers (including 
the proliferation of customers without a home landline), and consequently, damage to the Group’s 
results. 

In  the  field  of  television  services,  there  is  an  increase  in  competition  through  the  transmission  of 
television content (VOD services and linear channels) over the Internet (OTT), including by foreign 
providers  such  as  Netflix,  as  well  as  the  reception  of  "Idan+"  channels,  which  are  not  subject  to 
regulatory supervision and to the same duties as those of public multi-channel broadcasters. 

In  the  field  of  Internet  services  and  Internet  access  infrastructure,  there  is  fierce  competition  with 
companies  with  infrastructure,  including  fiber  infrastructure  for  households,  and  through  the 
wholesale market (see section1.7.3 and section 2.16.4), and a deepening in the implementation of 
additional wholesale services. 

In order to reduce the damage resulting from the aforesaid, the Group companies take streamlining 
measures as well as various moves to improve the services they provide and differentiate them from 
the competitors.  

In view of the diversity in the areas of the Group's communications activities, regulatory  and other 
developments may in some cases have a different effect (and even in opposite directions) on various 
areas of activity in the Group and on its risk factors (see sections 2.20, 3.19, 4.14 and 5.19), that is 
- changes in regulation and other factors that adversely affect one area may have a positive effect 
on another area. In some cases, adverse effects on areas of activity may be partially offset against 
each other at the Group level. 

1.7.1.  Communication groups in the Israeli market 

In  recent  years, 
the  market  has  been  characterized  by  competition  between 
communications  groups  (Bezeq  Group,  Hot  Group,  Cellcom  Group  and  Partner  Group) 
operating simultaneously in several segments of the communications market (landline and 
mobile  telephony,  landline  and  mobile  Internet  services,  multi-channel  television  and 
international calls)13. 

Structural  changes  and  mergers  between  communications  groups  and  competing 
companies  may  have  significant  consequences  for  the  structure  of  the  communications 
market, the competition therein, and the Group's activities. As of this date, the Company is 
unable to assess these effects. 

It  should  be  noted  that  there  are  also  competitors  in  the  market  who  are  not  part  of  a 
communications group as described above (e.g. XFONE and MVNO operators in cellular, 
international  operators  and  ISPs,  including  providers  that  provide  service  within  the 

13 

In this regard, a "group" is characterized by a close relationship that results from the  identicality of shareholders, although in 
some groups there is a corporate, accounting or marketing separation between the entities belonging to the group.  

17 

 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

wholesale market). 

Competition  between  communication  groups  is  reflected  in  an  increase  in  the  rate  of 
consumption  of  "service  baskets"  or  packages  of  several  services  that  include 
combinations of several different communication services. Communication groups market 
service  packages  consisting  of  different  communication  services  from  each  group's 
corporations, so that the customer can be offered a comprehensive solution that eliminates 
the need to communicate simultaneously with several different providers, and offer  rates 
that  are  more  attractive  for  the  customer  than  the  rate  of  purchasing  each  service 
separately (in some cases while "cross-subsidizing" between the components included in 
the basket). These trends intensified with the implementation of the BSA wholesale service 
market (see section 2.16.4.2), enabling infrastructure-less operators, including operators 
not part of a communications group, to offer a complete end-to-end service package to their 
customers (including infrastructure). 

Providing  a comprehensive service to the customer that meets  his variety of needs has 
become easier both due to a trend of technological convergence (see section 2.1.4) and 
following  regulatory  changes  and  the  transition  to  regulation  through  a  general  unified 
license, which was granted to different communication operators and under which different 
communication services, which previously required separate licenses, could be provided 
under the same license. 

As of the date of the report, Bezeq Group is s ubject to stricter restrictions on the marketing 
of service packages than the other groups, as detailed below. 

On August 26, 2020, Cellcom announced the completion of a contract for the acquisition 
of  full  ownership  and  control  of  Golan  Telecom  after  the  regulatory  approvals  for  the 
acquisition were received. In addition, Cellcom, Hot and the Israel Infrastructure Fund hold, 
in  equal  parts,  shares  in  a  partnership  that  holds  70%  of  IBC.  For  this  matter  and  for 
approvals received by Hot see section 2.6.3.5.  

1.7.2.  Bezeq  Group's  activity  as  a  communications  group  and  the  limitations  of  structural 

separation 

As of the date of the report, the Group is subject to a number of regulatory restrictions in 
the  context  of  creating  collaborations  between  the  Group's  companies,  which  include  a 
structural separation obligation between Bezeq and its subsidiaries, as well as restrictions 
on  marketing  shared  service  baskets  which  include  the  services  of  Bezeq  and  its 
subsidiaries. 

Against the background of the challenges the Group faces and the future needs that arise 
in  the  communication  market  environment,  in  parallel  with  Bezeq’s  activity  for  the 
elimination of structural separation, Bezeq’s Board of Directors acts for the implementation 
of  a  comprehensive  strategic  plan  for  the  Group  as  a  communication  group  within  the 
complex regulatory constraints imposed on the Group (see section1.8).  

The following are additional details about the main restrictions that apply to the Group in its 
activities as a communications group: 

1.7.2.1  Structural separation 

a)  Structural  separation  obligation  –  the  Communications  Law  gives  the 
Minister the power to order accounting separation between different services 
provided by the same group / company, as well as the power to require the 
existence  of  separate  corporations  for  the  purpose  of  providing  different 
services,  including  separation  between  licensing  services  and  subscriber 
services, and provisions on the implementation of the separation.  

Bezeq's  NIO  license  stipulates  that  Bezeq  must  maintain  structural 
separation  between  itself  and  its  subsidiaries14.  In  this  context,  full 
separation  between  Bezeq's  management  and  the  managements  of  the 
subsidiaries is required, including everything related to the business system, 
the financial system and the marketing system, and Bezeq is prohibited from 
transferring commercial information to a subsidiary (subject to exceptions). 

The  limitations  of  structural  separation  place  the  Group  in  a  position  of 
competitive  disadvantage  which  exacerbates  over  time  vis-à-vis  the  other 
communication  groups  which  are  not  subject  to  restrictions  of  a  similar 
extent, and in the face of the possibility for operators to provide end-to-end 

14   Pelephone, Bezeq International, DBS and Bezeq Online. 

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services to subscribers through the use of wholesale services. In addition, 
the limitations of structural separation cause high overheads. 

b)  Elimination of structural separation - on February 14, 2019, Bezeq filed a 
petition with the High Court against the Ministry of Communications for the 
immediate elimination of the structural separation in Bezeq Group, after the 
Ministry  did  not  respond  to  Bezeq's  requests,  even  though,  in  Bezeq's 
opinion,  all  the  conditions  justifying  the  elimination  of  the  structural 
separation, according to the policy document dated May 2, 2012 on the issue 
of expanding competition in the field of landline communications - wholesale 
market  ("the  Policy  Document")  were  met,  partly  because  in  the  field  of 
television services there are companies that provide television services over 
the Internet, since as of February 17, 2015, there is a wholesale market in 
the field of broadband, in which there are a variety of providers who provide 
end-to-end broadband service on Bezeq's infrastructure to more than half a 
million customers, as well as in light of the fact that there is fierce competition 
in cellular services. 

On  July  15,  2020,  the  State  submitted  an  update  notice  on  its  behalf  to 
Bezeq's  petition  to  the  High  Court.  The  State’s  notice  included  an  update 
according to which on June 30, 2020 the The Director General of the Ministry 
of Communications submitted to the Minister of Communications the report 
of  the  inter-departmental  team  examining  the  update  of  the  structural 
separation obligations in Bezeq and Hot groups (“the Report"), according to 
which the members of the Ministry of Communications team and observers 
from  the  Budget  Division  of  the  Ministry  of  Finance  and  the  Competition 
Authority  recommend  to  the  Minister  not  to  eliminate  the  structural 
separation  obligation 
in  Bezeq  and  Hot  groups  at  this  time.  The 
announcement  also  stated  that  the  team’s  recommendations  had  been 
presented  to  the  Minister  of  Communications,  and  that  after  studying  and 
examining the recommendations, he would decide on the matter. In light of 
the aforesaid, the State's position is that the petition should be rejected - and 
at least removed - while charging Bezeq expenses. 

The report (which was attached to the Stat’s notice and also published on 
the  Ministry  of  Communications'  website)  stated  regarding  Bezeq,  among 
other things, that: 

- The  team  and  the  observers  found  that  it  was  not  the  right  time  for  the 
complete  elimination  of  the  structural  separation  in  Bezeq  Group,  since 
Bezeq  Group  has  significant  market  power  and  dominance  in  the 
communications  market,  and  that  the  elimination  of  the  structural 
separation at this time could increase Bezeq Group's power and harm its 
competitors. 

- According to the team, the existing structural separation provisions have 
yielded results so far, and the elimination of the structural separation at this 
time  will 
field  of 
communications, resulting in harm to the public and media consumers. 

to  severe  damage 

to  competition 

lead 

the 

in 

- According to the observers, the current structural separation structure does 
not serve the competitive purposes of the separation and does not address 
the competitive problems in the market and therefore should not remain in 
its current configuration, but other alternatives should be promoted, such 
as  separating  wholesale  and  retail  activities  or  separating  ownership 
between passive infrastructure and other Bezeq Group activities.  

- Despite  the  team's  position  regarding  the  elimination  of  structural 
separation  at  this  time,  the  team  did  find  that  certain  changes  could  be 
made to the overall regulation that have the potential to improve the service 
to  the  public  and  that  will  affect  structural  separation.  For  example,  in 
parallel with the team’s work, the Ministry of Communications promoted a 
sweeping change in the way of operation of the reverse bundle; In the last 
two  years,  the  Ministry  of  Communications  has  not  opposed  Bezeq 
Group's  moves  that  reduce  the  separation  in  activity  between  the 
the  Minister  of 
subsidiaries; 
Communications examine a change in the separation customary in Israel 

recommends 

team  also 

that 

the 

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between the infrastructure service and the ISP service (in this matter see 
update to section 1.7.2.2). 

It was further noted that since the issue of structural separation is not binary, 
the  team  believes  that  the  issue  should  be  further  examined,  and  in 
accordance  with,  among  other  things,  changes  in  the  market.  The  team 
recommends  that  a  period  of  time  be  given  for  the  continuation  of  the 
Ministry's ongoing administrative work or in any other way that the Minister 
of  Communications  decides  to  deepen  and  examine  the  alternatives  and 
recommend regarding the implementation of the chosen alternative. 

On February 16, 211, a hearing was held on the petition, at the end of which 
the Court noted that it believes that the petition will be rejected at the end of 
the  day  and  therefore  recommended  that  Bezeq  withdraw  the  petition. 
Subsequently, on February 23, 2021, Bezeq informed the Court that it had 
decided  to  accept  the  Court's  recommendation  and  withdraw  the  petition, 
and on February 24, 2021 the petition was removed. 

1.7.2.2  Marketing  a  shared  basket  of  services  with  a  subsidiary  and  between 

subsidiaries 

Bezeq  was  allowed  to  offer  subscribers  shared  services  ("Bundles")  with  the 
subsidiaries, subject to approval by the Ministry of Communications and subject 
to a number of conditions set forth in the NIO license, including: 

▪  The baskets will be "detachable", that is - each service included in them 
will be offered separately outside the framework of a basket of services, 
under the same conditions. 

▪  At the time of submitting the application for approval of the basket, there 
is a group of services in a similar format that is marketed to a subscriber 
as a package by a licensee who is not a Bezeq subsidiary, or there is a 
group  that  includes  licensees  who  provide  a  private  subscriber  with  all 
services included in the shared basket of services. 

▪  The  marketing  of  shared  service  baskets  by  the  subsidiaries,  which 
include  Bezeq  Services,  is  also  subject,  according  to  their  licenses,  to 
similar restrictions, including the requirement of "detachability" (except for 
a  basket  marketed  by  a  subsidiary  that  includes  only  Bezeq's  Internet 
infrastructure service).  

These limitations, and in particular the "detachability" obligation, which severely 
limits the Group's ability to provide discounts on various components in the basket 
of  services,  place  the  Group  in  an  inferior  competitive  position  relative  to 
competing communications groups that are not subject to similar restrictions on 
the marketing of bundles (except for restrictions that are limited to marketing a 
shared basket of Hot-Net and other companies from the Hot Group). The Ministry 
of Communications has approved Hot Telecom and Hot Systems to market to the 
private segment baskets which include broadcasting, Internet infrastructure and 
provider  and  telephony  services  by  Hot.  The  Ministry  later  approved  the 
marketing  of  a  shared  basket  that  includes  cellular  services  and  international 
calls. Bezeq’s handicap is even more significant with the implementation of the 
BSA  wholesale  service,  and  the  ability  of  Internet  access  providers  (ISPs)  to 
provide  a  full  end  to  end  service  (infrastructure  +  provider)  to  customers  at 
reduced  prices,  compared  to  the  detachable  baskets  the  Bezeq  is  allowed  to 
market, insofar as they are approved.  

Marketing a shared web infrastructure services basket along withISP 

In  2017,  following  the  Ministry’s  requirement,  changes  were  carried  out  in  the 
format of selling bundles, the main one of which is splitting the bundle (supplier 
and infrastructure) after one year. On June 18, 2020, Bezeq received a decision 
by the Director General of the Ministry of Communications, according to which 
the  changes  made  temporarily  (on  March  25,  2020)  in  the  reverse  bundle 
marketing  format,  and  especially  the  elimination  of  the  obligation  to  split  the 
bundle  after  one  year  and  Bezeq's  ability  to  contact  customers  and  renew  the 
bundle  at  any  time,  will  be  permanently  valid.  Eliminating  the  need  to  split  the 
"reverse bundle"  per se is expected to positively impact  Bezeq’s activity in the 
field of the Internet, to an extent that cannot be fully assessed at this stage, in 

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Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

part, since the results of Bezeq's activity as aforesaid are affected, apart from this 
decision, also by the moves of its competitors and the conduct of its customers. 

Following a supervisory procedure in which it was alleged that Bezeq did not fully 
comply with the license provisions regarding splitting the reverse bundle after one 
year  (before  canceling  this  format),  Bezeq  was  charged  in  June  2020  with  a 
financial  sanction  for  marketing  the  reverse  bundle  in  the  amount  of  NIS 
2,013,760. This amount was paid by Bezeq. 

Hearing on examining the separation between broadband infrastructure service 
and Internet access service (ISP): 

On  October  4,  2020,  a  hearing  was  published  on  examining  the  separation 
between broadband infrastructure service and Internet access service (ISP) ("the 
First  Hearing")  according  to  which  the  Ministry  of  Communications  intends  to 
take policy measures that include, among other things, amending the licenses of 
infrastructure owners - Bezeq and “Hot Telecom" so that from January 1, 2022 
they  will  be  allowed  to  provide  customers  with  a  unified  Internet  service  that 
includes the components that are currently known as "broadband access service 
for ISP providers" and "ISP service", under the conditions set out in the hearing. 

After references to the hearing were submitted, on February 24, 2021, a second 
hearing was published on the Ministry of Communications' website on the same 
matter (“the Secondary Hearing"), which includes substantive amendments to 
the  outline  proposed  in  the  First  Hearing,  after  the  Ministry  considered  the 
responses received at the First Hearing. In line with the Ministry’s position, it is 
adamant that the consolidation of the retail Internet service into a unified product 
should continue to be promoted, along with the existence of a competitive market 
where each supplier will stand in a single line vis-à-vis the end consumer, when 
the main tool for reaching this goal is to improve the wholesale market and bring 
it to a state of self-government and substantial equality. 

The following are the main outlines of the proposed amended application: 

The  parties  (infrastructure  owners  and  access  seekers)  must  reach  within  two 
months  agreements  on  output  indices  for  the  wholesale  market.  These 
agreements will be submitted as a shelf agreement for approval by the Ministry 
of  Communications  that  can  approve,  reject  or  adopt  it  with  changes.  Then,  a 
three-month period for the calibration and testing of the effectiveness of the model 
will  begin.  At  the  end  of  the  calibration  period,  the  Ministry  will  announce  the 
beginning  of  an  assessment  period  of  three  months,  at  the  end  of  which 
infrastructure owners will be able to offer a unified service that includes access 
services and provider service. The preparation period in both networks will begin 
only at the end of the calibration period and run-up on the fiber network. 

Infrastructure  owners  will  be  required  to  publish  the  wholesale  market  output 
indices to suppliers operating in the wholesale market and the Ministry, and act 
in accordance with the compensation mechanism, and the Ministry will be allowed 
to publish these indices to the public or any of the entities it oversees, with the 
possibility for the Ministry to initiate supervision and enforcement proceedings if 
the performance indices indicate a violation of the duty of equality in the provision 
of wholesale services, in addition to the agreed compensation payment included 
in the shelf offer. 

If material difficulties arise in implementing a wholesale market, both with respect 
to  new  ultra-broadband  networks  and  with  respect  to  existing  broadband 
networks, the  Ministry will  review the policy on this  issue and operate with the 
tools at its disposal. 

The  Ministry  intends  to  establish  a  mechanism  of  automatic  mobility  between 
suppliers that will take effect on the effective date.  

One year after the lifting of the ban on infrastructure providers offering a unified 
service, the Ministry will examine the number of subscribers in a split and semi-
unified configuration, and if it is found that a  substantial number of subscribers 
are still in these configurations, the Ministry will consider taking further steps in 
order to bring about a situation where the landline Internet service is provided as 
an end-to-end service by one provider.. 

Bezeq and Bezeq International are studying the Secondary Hearing documents. 
Bezeq estimates that as long as the move is implemented and the ban on Bezeq 

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Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

offering  a  unified  service  (and  Bezeq  being  able  to  offer  a  unified  end-to-end 
Internet service) from the effective date, this is expected to have a positive effect 
on its business. As far as Bezeq International is concerned, the move could lead 
to damage to its results and to the impairment of its assets. The total impact on 
the Group in the coming years is expected to be positive. On March 11, 2021, the 
Company submitted its response to the Secondary Hearing, according to which 
the  outline  of  the  proposed  application  at  the  hearing  is  incorrect  and  gives 
providers instruments to delay the start of the reform and an incentive to distort 
the  measurement  results,  the  ground  sof  which  is  a  baseless  concern  of 
discrimination.  The  Company  offered  a  shorter  and  clearer  outline  for  a  shelf 
offer, which does not include fines. 

In this regard, see also Bezeq's immediate report dated February 25, 2021, which 
is included in this report by way of reference. 

Marketing  a  shared  service  basket  with  DBS  -  regarding  restrictions  on 
cooperation with DBS for the sale of shared baskets of services by virtue of Bezeq 
and DBS licenses, see also section 5.15.2. On March 27, 2017, the Ministry of 
Communications  announced  to  Bezeq  that  it  does  not  approve  the  Bezeq’s 
request to market a shared basket of services with DBS, as the Ministry is facing 
the  completion  of  a  number  of  regulatory  moves  that  will  enable  fuller 
implementation  of the wholesale  market reform,  including the  telephony  resale 
regulation,  a  new  regulation  of  Bezeq  retail  rates,  a  regulation  of  the  margin 
reduction mechanism and a  regulation of the marketing conditions of a shared 
basket  of  services  as  part  of  which  Bezeq  markets  infrastructure  services 
together  with  ISP  Services  of  an  ISP  provider  ("Reverse  Bundle").  Therefore, 
according  to  the  Ministry's  announcement,  it  will  be  right  to  examine  such 
requests  for  a  shared  basket  of  services,  including  Internet,  telephony  and 
television, in at least six months, after examining the effect of the above moves 
on  the  market  and  when  it  becomes  clear  that  Bezeq  complies  with  the 
regulations. As of the date of the report, Bezeq has not submitted another request 
on the subject. It should be noted that on February 15, 2018, the Ministry referred 
to Bezeq's announcement regarding an intention to send interested customers a 
link to the DBS website and expressed its position that the marketing of DBS’s 
television  over  the  Internet  ("Sting")  by  Bezeq  is  not  in  accordance  with  the 
structural  separation  provisions  detailed  in  Bezeq’s  license,  and  Bezeq  is  not 
marketing the DBS "Sting" service in accordance with the aforesaid. 

Marketing of a shared basket of services with Pelephone - On February 10, 2019, 
the Ministry rejected Bezeq's request of January 13, 2019, to market a  shared 
basket  of  Internet  infrastructure  (with  or  without  an  Internet  provider),  together 
with Pelephone's cellular services, inter alia, for the reason that it was not found 
that  the  request  has  the  potential  to  contribute  to  competition  in  the 
communications market, but can also lead to harm to the developing competition 
in the wholesale market and to the existing competition in the cellular market, and 
to the strengthening of Bezeq Group and its existing competitive advantages. The 
rejection  letter  also  stated  that  the  marketing  of  shared  services  baskets  was 
discussed  by  an  inter-ministerial  team  that  examines  the  structural  obligations 
that  apply  to  Bezeq  and  Hot  groups  (the  team  examining  the  obligation  of 
structural  separation).  It  should  be  noted  that  in  the  past,  shared  baskets  with 
Pelephone were approved. 

1.7.2.3  Additional  restrictions  on  collaboration  and  preference  between  group 

companies  

There are additional restrictions on cooperation between Bezeq and the Group 
companies  both  by  virtue  of  competition  law  and  conditions  set  by  the 
Competition Commissioner for mergers between Bezeq and Group companies, 
which prohibit discrimination in favor of the Group companies in the provision of 
certain services (see section 2.16.8), and by virtue of the provisions of Bezeq's 
license, which require it to provide its services equally. For additional restrictions 
see also section5.15.2.  

Removal  of  the  restrictions  on  structural  separation  and  other  restrictions  that 
apply to collaborations between the Group companies as detailed above, insofar 
as they are removed, may create different opportunities for the Group to exploit 
such synergies or facilitate the exploitation of such synergies.. 

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1.7.3.  Regulatory supervision and changes in the regulatory environment - wholesale market  

In recent years, a model of "wholesale market" has been implemented in Israel, in which 
the owners of the nationwide landline access infrastructure in Israel (Bezeq and Hot) have 
been required to allow other communications operators to use Bezeq infrastructure at the 
prices set in the regulations.  

In  this  context,  the  Ministry  of  Communications  established  "service  portfolios"  for  the 
various services, in which the format of the provision of services by the infrastructure was 
determined:  

1.7.3.1  Wholesale BSA service  

This service allows infrastructure-less service providers to offer their customers 
a  full  Internet  service  that  includes  both  an  Internet  connection  service  (of  the 
service  provider)  and  an  Internet  infrastructure  service  (based  on  Bezeq’s 
network). Since the launch of the service, hundreds of thousands of customers 
have moved to receive service through such service providers. 

1.7.3.2  Wholesale physical infrastructure use service 

This  service  allows  infrastructure-less  providers  to  use  Bezeq's  physical 
infrastructure for the passage of communication cables, as well as the use of dark 
fiber.  

The service was expanded after Bezeq was obliged to allow other  NIO license 
holders, who are not necessarily infrastructure-less providers, to use its passive 
infrastructure for the purpose of performing any  Bezeq operation and providing 
any Bezeq service according to their licenses. Bezeq was also given the right to 
use the physical infrastructure of other companies. 

1.7.3.3  Wholesale telephony service 

This service enables infrastructure-less service providers to offer their customers 
telephony service at wholesale rates through Bezeq’s network. Until August 2018, 
a  temporary  arrangement  for  one  year  was  in  force,  which  allowed  Bezeq  to 
provide  the  service  in  a  resale  format,  namely  -  a  format  in  which  the  service 
provider purchases a line and call minutes and receives a package of services 
(including technician services) from Bezeq, while in accordance with the Ministry 
of  Communications'  announcement,  as  of  August  2018,  Bezeq  is  obligated  to 
provide the service in a "Wholesale" format, namely - a service format in which 
the service is provided using Bezeq's switch, but the call also goes through the 
service  provider's  switch,  both  as  ann  individual  service  and  as  an  additional 
service  to  the  BSA  service.  As  of  August  2018,  Bezeq  is  prepared  to  provide 
resale services at wholesale rates (excluding technician services)  - although in 
this service the call does not pass through the service provider’s switch, and as 
of early 2019 Bezeq is prepared to provide a wholesale telephony service solution 
that passes through the service provider’s switch, and is based on both Bezeq's 
subscribers switch and an additional component external to the switch (for more 
details,  see  also  sections2.1.8,  2.7.2  and  2.16.4).  As  it  became  clear  after 
discussions  that  took  place,  inter  alia,  in  the  Ministry  of  Communications,  the 
service providers are not prepared to act according to the format of the service 
portfolio. 

 Regarding the new switch that complies with the requirements of the Ministry of 
Communications for the service format, see section2.7.2. 

The maximum rates that Bezeq may charge for the provision of services are regulated in 
the regulations.  

The  sale  of  wholesale  services  on  the  Hot  network  began,  to  the  best  of  Bezeq's 
knowledge,  in  the  middle  of  2018,  and  Bezeq  estimates  that  the  volume  of  wholesale 
subscribers on the Hot network is not high at this stage. 

The  regulatory  determinations  in  relation  to  the  wholesale  market  as  well  as  its 
implementation  and  development  during  the  reporting  period  have  an  impact  on  a 
significant  part  of  the  Group's  activities.  For  more  details  about  the  wholesale  market 
services and their regulation, see section2.16.4. 

1.7.4.  Additional regulatory aspects that are relevant to the whole Group or to a number of 

companies in it 

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Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

1.7.4.1 

Interconnectivity rates 

The  Group's  communications  companies  (Bezeq,  Pelephone  and  Bezeq 
International)  pay  interconnectivity  fees  to  other  communications  operators  for 
calls  that  end  in  the  networks  of  those  operators  and  some  (Bezeq  and 
Pelephone)  receive  interconnectivity  fee  payments  for  calls  that  ended  in  their 
networks  and  from  international  communication  operators  for  outgoing  and 
incoming calls to their networks. Interconnectivity rates are set as maximum rates 
by the regulator in the interconnectivity regulations. Changes in interconnectivity 
rates have a offsetting effect at the Group level in light of their effect on Bezeq's 
expenses and income and the subsidiaries in this matter.  

1.7.4.2 

Limiting the exit fee that a licensee may charge from a subscriber 

In accordance with the provisions of the Communications Law, NIO, international 
operator and broadcasting licensees (including  Bezeq, Bezeq International, DBS 
and BAP) are not allowed to charge an exit fee for cancellation of contract by a 
subscriber  whose  average  monthly  bill  is  less  than  NIS  5,000,  or  deny  him  a 
benefit he would have received if he had not terminated the contract15. Cellular 
operators  (including  Pelephone)  -  are  not  allowed  to  charge  exit  fees  from 
customers who hold up to 100 telephone lines or link a contract for the receipt of 
cellular  services  to  a  contract  for  the  purchase,  rent  or  borrowing  of  end 
equipment  ("disconnection").  As  a  rule,  these  restrictions  make  it  difficult  for 
operators subject thereto to retain customers. 

1.7.4.3  Prohibition  of discrimination  in  the provision of  benefits and unique  rate 

plans 

The Ministry of Communications has previously expressed, among other things, 
in  motions  for  approval  of  class  actions  filed  against  Pelephone,  Bezeq 
International  and  DBS  claiming  customer  discrimination,  various  positions 
stemmed from the fact that communications companies may be limited in certain 
circumstances in their ability to offer unique benefits and rate plans to their new 
customers or prevent a subscriber from switching to plans that are marketed to 
new customers. The Ministry of Communications announced  in the past  that it 
intends  to  examine  the  holding  of  a  hearing  in  relation  to  the  change  in  the 
provisions of the licenses regarding price discrimination between subscribers in 
order  to  create  unification  in  the  licenses  aiming  to  create  unification  and  in  a 
manner that is consistent with changes and permutations in the market, and has 
not yet done so. On December 9, 2019, the Tel Aviv-Yafo District Court issued a 
ruling  in  which  the  Court  addresses  the  changing  positions  of  the  Ministry  of 
Communications in the matter and expressed its position that there was no need 
to  adopt  the  position  of  the  Ministry  of  Communications,  since  there  were  a 
number of major flaws in the formulation of its opinion and the manner in which it 
was made (lack of factual infrastructure, lack of consultation wit the Competition 
Authority, lack of reasoning, incoherence and failure to hold a hearing). The ruling 
rejected the approval of the class actions and an appeal was filed against it. For 
further details, including an appeal filed against the ruling, see sections3.16.1d 
and e, 4.12.1, 4.12.1c and 5.17.1a. 

1.7.4.4 

License amendments and related legislation 

a)  Response times at call centers 

The  amendment  to  the  licenses  of  Bezeq,  Pelephone  and  Bezeq 
International have established, among other things, provisions regarding the 
obligation to route calls in certain matters to professional human response, 
response times, as well as provisions regarding call center hours, recording 
and  documentation  of  calls  and  reporting  obligations.  The  amendment 
entered into force on the date of its entry into force of the amendment to the 
Consumer Protection Law (July 25, 2019), which deals, among other things, 
with  the  waiting  period  for  a  human  response.  The  DBS’s  broadcasting 
license has been similarly amended. The amendments led to an increase in 
the operating costs of the Group companies' call centers. It should be noted 

15   With  regard  to  the  operators'  claim  in  the  hearing  held  by  the  Ministry  in  connection  with  this  directive,  according  to  which 
discounts or benefits stipulated by conditions that the subscriber is required to comply with do not constitute a violation of the 
directive, the Ministry stated that it will examine whether the condition is true and relevant also when the subscriber remains a 
subscriber with the operator. 

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Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

that in November 2019, the Ministry of Communications issued a  demand 
for  data  as  part  of  an  inspection  of  the  operation  of  all  communications 
companies regarding waiting times for a human response at call centers. A 
similar demand was addressed to DBS in January 2020. On June 15, 2020, 
Bezeq received an inspection report according to which, in light of the low 
deviation rate (7%), it was decided not to continue enforcement proceedings 
against Bezeq. In January 2021, Bezeq International received a notification 
from  the  Ministry  of  Communications  stating  that  Bezeq  International  had 
exceeded the waiting times for a human response it was required to meet, 
and  therefore  the  Ministry  intends  to  impose  a  financial  sanction  of 
approximately NIS 285k. In February 2021, Bezeq International submitted a 
response  to  the  Ministry  of  Communications,  in  which  it  challenged  the 
financial sanction and the manner of measuring the deviations.  

b)  Amendment of the IPv6 protocol (Internet addresses) 

On July 3, 2019, the Ministry of Communications issued a decision by way 
of hearing and amendment to the license according to which the transition to 
the IPv6 protocol will be executed according to the milestones determined. 
For Bezeq (as a holder of a landline NIO license) and for holders of Internet 
access  licenses,  it  has  been  determined,  among  other  things,  that  the 
network and its components will be adapted in a way that allows access to 
Internet  service  subscribers  via  IPv6  protocol  from  any  end  equipment 
supporting the IPv6 protocol, that the licensee must proactively transfer to 
addresses  in  the  IPv6  protocol  existing  and  new  subscribers  with  end 
equipment that supports the IPv6 protocol. The transfer of subscribers will 
be done according to milestones, so that up to 24 months from the date of 
the amendment, 50% of the subscribers will move, up to 36 months - 75% 
and  up  to  48  months  –  100%  (except  subscribers  who  hold  private  end 
equipment  which  does  not  support  the  IPv6  protocol  and  decided  not  to 
replace it, provided that the licensee, among other things, will sign a waiver). 
Regarding holders of mobile radio telephone licenses (such as Pelephone), 
it  was  determined  that  the  proactive  transfer  will  reach  100%  within  24 
months.  Bezeq  is  preparing  for  the  transition,  and  at  this  stage  does  not 
anticipate a material expense in respect thereof. 

1.7.4.5  Consumer legislation and privacy protection laws 

Changes in consumer legislation affect the activities of the Group companies on 
an  ongoing  basis.  In  recent  years,  various  amendments  to  the  Consumer 
Protection Law and its regulations have been approved, including cancellation of 
transactions  even  after  the  service  has  begun,  disconnection  from  ongoing 
services, the need for explicit consent to continue transactions after the stipulated 
period,  the  sending  of  messages,  provisions  regarding  the  refund  of  charges 
collected from  a subscriber not  in accordance with  an engagement agreement 
plus a fixed handling fee in accordance with the law, as well as maximum waiting 
time  for  human  response  and  extension  of  technicians'  visiting  hours  at 
customers' homes. In addition, a variety of bills for additional amendments to the 
Consumer  Protection  Law  have  been  brought  before  the  Knesset,  which  may 
have an impact, among other things, on the terms of the Group's contracting and 
conduct with their subscribers. 

On  November  24,  2020,  an  amendment  to  the  Consumer  Protection  Law  was 
published, according to which a database will be established and managed  by 
the  Consumer  Protection  Authority  to  restrict  a  dealer's  marketing  inquiries 
through telephone calls (including an electronic communication call) in order to 
engage in a transaction. Pursuant to the amendment, the database will register 
telephone numbers of consumers who wish to restrict such marketing inquiries to 
them and a dealer will not be allowed to contact a consumer whose telephone 
number is registered in the database with marketing offers (subject to exceptions 
provided by law). The date of commencement of the amendment in this matter is 
18 months from the date of its publication. The Group companies are unable to 
assess at this stage the effect of the amendment on their marketing and sales 
ability. 

In addition, the activity of the Group companies is affected by the provisions of 
the  Privacy Protection Law and its regulations regarding the  management and 
maintenance of databases and the security of the information contained therein. 

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In  May  2018,  the  Privacy  Protection  Regulations  (Information  Security),  5777-
2017,  entered  into  force,  imposing  various  obligations  on  the  database  owner, 
including  obligations  to  establish  procedures  and  perform  risk  assessments  in 
relation to information security, as well as the use of advanced security measures 
for information protection. 

1.7.4.6  Enforcement and financial sanctions 

In the last few years, the Communications Law, the Economic Competition Law, 
the  Securities  Law,  the  Consumer  Protection  Law,  the  Law  for  Increasing  the 
Enforcement of Labor Law and the Telegraph Order were amended and by virtue 
thereof,  regulators  were  granted  powers  of  enforcement,  supervision  and  the 
imposition of significant tiered financial sanctions for violations of the said laws or 
regulations  and  provisions  thereunder.  Such  legislation  has  an  effect  on  the 
conduct  of  the  Group’s  companies,  inter  alia,  in  terms  of  the  concern  of  the 
imnposition of sanctions on them, their defense capability, etc.  

In recent years, the Ministry of Communications has made extensive use of  its 
powers to supervise and issue notices of intent to impose financial sanctions on 
Bezeq  in  current  regulatory  matters.  For  the  financial  sanction  regarding  the 
implementation  of  the  wholesale  market,  see  section  2.16.4.2  and  for  the 
announcement  regarding  the  imposition  of  a  financial  sanction  regarding 
wholesale telephony service, see section 2.16.4.4. For the financial sanction for 
passive  infrastructure  in  the  matter,  see  section2.16.8.5.  For  the  financial 
sanction in the matter of the Reverse Bundle, see section1.7.2.2. 

The  Consumer  Protection  and  Fair  Trade  Authority  also  makes  use  of  the 
enforcement powers conferred on it by the Consumer Protection Act, and from 
time to time data demands are issued, investigations are conducted against the 
Group companies on suspicion of violating this law and fines are imposed. In this 
context,  in  February  2021,  Bezeq  received  a  notification  from  the  Consumer 
Protection Authority of an intention to charge Bezeq a financial sanction of NIS 
6.75 million for alleged violation of Article 2(a)(1) of the Consumer Protection Law, 
claiming  that  Bezeq  did  not  supply  thousands  of  consumers  who  purchased  a 
browsing  package  of  the  type  TOP  100  with  this  speed.  Bezeq  submitted  its 
response to the notification and requested that the notification be canceled, since 
after understanding the findings, they do not arise of any concern of misleading 
customers. 

1.7.4.7  The Centralization Law 

In  December  2013,  the  Centralization  Law  was  published.  The  following  is  a 
summary of the main provisions of the law relevant to the Group: 

a)  Restrictions on granting credit to business groups 

The Minister of Finance and the Governor of the Bank of Israel have been 
authorized 
to  establish  regulations  and  directives  regarding  credit 
restrictions  to  be  granted  by  financial  entities  in  Israel,  cumulatively,  to  a 
corporation or business group (a group of companies under joint control and 
ownership). 

b)  Consideration  of  centralization  considerations  of  the  economy  in  the 
allocation  of  rights  -  restrictions  on  the  allocation  of  rights  in  essential 
infrastructure are to a " centralized entity " 

The law establishes a special and restrictive procedure which each regulator 
must take before allocating rights (such as a license, franchise, entering into 
a contract with the State to operate an essential infrastructure and in some 
circumstances  also  an  extension  of  existing  licenses)  in  areas  defined  as 
"essential  infrastructure"  to  factors  who  were  defined  as  “centralized 
entities”.  In  this  regard,  a  list  has  been  defined  of  areas  that  will  be 
considered  "essential  infrastructure  areas",  including  activities  in  which 
certain  communication  licenses  are  required  (NIO  except  for  unique  NIO 
(such  as  VoB  operators)  and  cellular),  broadcasting  licenses  and  other 
areas. The Company and corporations under its control are included in a list 
published  by  the  Competition  Authority  and  are  considered  a  "centralized 
entity". The procedure established by law regarding allocation of rights to a 
centralized factor shall also apply to the granting of approval for the transfer 
of means of control in companies held by the State or which were previously 

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state-owned companies (including Bezeq) at the rates prescribed by law, to 
a centralized entity. 

The law may have adverse effects on the Group's ability to operate in new 
areas of activity and even on its activities in its existing areas of activity.  

c)  Separation  between  significant  real  corporations  and  significant  financial 

entities 

The  law  sets  limits  on  the  holdings  of  financial  entities  in  significant  non-
financial corporations, on certain types of cross-holdings in significant non-
financial  corporations  and  in  significant  financial  entities  and  on  cross-
holdings in such entities. The company  and corporations under its control 
are defined as significant real corporations under the Centralization Law. 

1.7.4.8  Millimeter waves 

Millimeter-wave technology makes it possible to wirelessly transmit significantly 
larger bandwidth than previously available technologies. The technology can be 
used both from point to point and from point to multiple points. 

Following the hearing published by the Ministry on September 9, 2019 regarding 
the application of the use of frequencies that enable the operation of millimeter 
wave  technology.  On  April  6,  2020,  an  amendment  to  the  Wireless  Telegraph 
Order (Non-Applicability of the Order) (No. 2), 5742-1982 was published, which 
provides,  under  certain  conditions,  non-applicability  of  the  Wireless  Telegraph 
Order  with  respect  to  use  in  the  field  of  V-Band  at  frequencies  57-66  GHz  (it 
should  be  noted  that  on  September  15,  2020  an  amendment  was  published 
extending the exemptions to the above frequency range under certain conditions, 
both intended to be used as fixed stations in a wireless line from point to point 
outside  the  building  (outdoor)  and  intended  to  operate  inside  buildings  only 
(indoor). Also, on August 2, 2020, an additional amendment was published to the 
above  Order  stipulating,  under  certain  conditions,  the  non-applicability  of  the 
Wireless  Telegraph  Order  with  respect  to  additional  uses.  On  December  15, 
2020,  the  Wireless  Telegraph  Regulations  (Licenses,  Certificates  and  Fees) 
(Amendment),  5720-2020  and  the  Wireless  Telegraph  Regulations  (Licenses, 
Certificates and Fees) (Temporary Order) (Amendment No. 2), 5780-2020 were 
published, relating to reduced fees in light licensing in the frequency ranges: 74 
to 76 GHz and 84 to 86 GHz. 

1.7.4.9  Asymmetry in infrastructure information 

Following the hearing held on the subject, the Ministry of Communications issued 
a decision on November 2, 2020, regarding asymmetry in information regarding 
infrastructure  and  amendment  of  the  wholesale  BSA  +  telephony  service 
portfolio, which, among other things, imposes on infrastructure owners, including 
Bezeq, periodic advertising obligations on the computerized interface (API) and 
on its website regarding advanced network deployment. In addition, Bezeq must 
publish  detailed  statistical  information  on  an  internal  interface  between  the 
operators,  which  relates  to  a  wide  range  of  parameters.  The  service  portfolio 
amendment also stipulates that Bezeq must provide the service providers with 
the characterization of the mechanized interface that is appropriate for the service 
providers  and  complete  its  development  and  the  publication  of  the  network's 
deployment,  within  the  deadlines  set  in  the  service  portfolio  amendment.  An 
amendment  to  Bezeq's  license  was  also  subsequently  issued  regarding  the 
submission  of  an  engineering  plan  and  the  preparation  of  upgrades  / 
developments in the network. 

1.7.4.10  Changing the format of the regulation of the provision of Bezeq services 

On March 3, 2021, Communications (Bezeq and Broadcasting) Law (Amendment No. 
75) (change in the Format of Bezeq Regulation), 5781-2020, was published. The 
bill proposes to change the format of the existing regulation in the law (according 
to  which  the  main  tool  for  the  regulation  is  a  license  to  provide  Bezeq  and 
broadcasting  services)  in  such  a  way  as  to  eliminate  the  obligation  to  obtain  a 
specific  license  in  advance  (per  person  and  operation)  as  a  condition  for 
performing a Bezeq operation. It is proposed instead that the default regulation of 
the  provision  of  communications  services  in  Israel  be  through  registration  in  a 
register maintained by the Director General of the Ministry of Communications, 
after testing only for minimum threshold conditions. The conditions registered in 

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the  register  will  be  subject  to  conditions  to  be  determined  in  the  general 
authorization, which prescribes clear and detailed conditions, which may apply in 
the same way to all service providers, allows any person interested in providing a 
Bezeq  service  to  know  in  advance  the  conditions  for  such  activity,  and  start 
operating without requesting or obtaining a license. According to the explanatory 
statement, the change in the format of the regulation  is proposed in a way that 
will reduce the bureaucratic burden, lower barriers to market entry, and conform 
to what is accepted in the world in the field of communications.  In addition, the 
definition of "Bezeq service" subject to the regulation will be changed, to reduce 
the services subject to regulation. "Bezeq service" is defined as a service provided 
to the public or part of it through Bezeq’s network, which is one of the following: 
(1) a service for the purpose of which the Bezeq network is operated and is a data 
transmission service, or other service in respect of which there is a public interest 
concerning state security, public safety or the promotion of competition and shall 
be a subscriber under the First Schedule (2) telephony; (3) Internet access. 

The bill also proposes that the obligation to obtain a license apply when it comes 
to (a) Bezeq service for the purpose of providing the operation of a Bezeq network 
that  is  a  mobile  radio  telephone  system  or  a  Bezeq  network  whose  number  of 
users  or  the  number  of  network  endpoints  or  end  points  in  which  exceeds  the 
number determined by the Minister (B) Bezeq service for the purpose of providing 
direct  operation  of  a  Bezeq  network  operating  via  satellite  under  certain 
conditions; (c) Bezeq service for the  purpose of providing  direct operation of a 
Bezeq network which is an underwater communication cable; (d) Bezeq operation 
with an underwater cable. Also, a local authority (including a municipal company 
or a municipal subsidiary) will not provide a Bezeq service without a license. The 
Minister  has  the  authority  to  determine  additional  Bezeq  services  that  will  be 
subject to a license, as well as additional service providers to whom the licensing 
obligation  will  apply.  Under  the  bill,  Article  5(j)  of  the  law  is  amended  so  that 
passive use of the  Company's infrastructure will be possible for an "authorized 
provider", including a permit holder. It should be noted that in Bezeq's comments 
on  the  law  memorandum  dated  August  9,  2020  which  preceded  the  above 
proposal,  it  was  clarified  that  despite  the  need  to  facilitate  essential  services 
(especially those based on physical infrastructure), multiplicity of operators may 
affect  other  regulations  in  the  market  in  a  way  that  may  undermine  Bezeq's 
investment  considerations  in  light  of  its  inability  to  compete  on  equal  terms  in 
areas where deployment by providers by virtue of a general permit is expected. 
Moreover, amending the law could lead to the entry of dozens of elements into 
Bezeq infrastructure and their uncontrolled use thereof, with all that that implies. 

1.7.4.11  Data demand hearing - Consumption of Communication Services 

On January 17, 211, the Ministry of Communications issued a hearing according 
to which the Ministry intends to demand a very large monthly transfer of data on 
the characteristics of the consumption of communication services by subscribers 
(including  identifying  details  about  the  subscriber,  the  package  consumed 
thereby, and details regarding each of the services consumed by the subscriber). 
The data demand will be sent to all operators in the communications market that 
provide services to end customers (private and business) as well as to various 
licensees and it applies to all types of customers who receive service from the 
licensee  (private  and  business),  both  wholesale  and  retail.  According  to  the 
hearing,  cross-referencing  the  information  will  allow  the  Ministry  to  obtain  a 
complete picture of the activities of communications providers on the one hand, 
as well as the characteristics of the communications consumer on the other, and 
it is expected to allow the Ministry to monitor the level of competition in the various 
sub-markets.  On  March  9,  2021,  Bezeq  submitted  its  response  to  the  hearing, 
according to which the hearing is fundamentally flawed by many problems and 
failures, including a breach of privacy and business secrecy; Information that is 
vast in scope without defining a purpose on the basis of which an adapted data 
demand  has  been  clearly  formulated,  when  this  is  not  intended  by  authority  in 
law; Creating a very tangible danger due to the construction of a huge database, 
which  centralizes  detailed  information,  at  the  personal,  financial  and  business 
level, of all citizens of Israel and the business companies active in it, while creating 
endless opportunity for cross-referencing information; The individual resolution of 
the requested data creates an opening for a jungle of legal issues. The reporting 
format is often irrelevant and / or inapplicable; The scope of resources required 
by Bezeq for the benefit of the matter is very significant and requires a diversion 

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of manpower in the field of information systems from  critical business activities. 
Bezeq  believes  that  the  solution  to  these  problems  is  to  shelf  the  intention 
presented at the hearing for the comprehensive transfer of all Bezeq's customer 
data, or alternatively a specific definition of goals and objectives on the basis of 
which  the  data  relevant  for  their  achievement  will  be  clearly  and  accurately 
defined, and which complies with the Ministry's powers in receiving information 
and  is  supported  by  the  structure  of  Bezeq's  information  systems.  A  similar 
reference was also submitted by the subsidiaries Pelephone, Bezeq International 
and DBS. 

1.7.4.12  For the decision by hearing regarding licensing for new operators for the 

provision of Internet access infrastructure services - see section2.6.3.6. 

1.7.4.13  Inactive subscribers 

On  September  10,  2020,  the  Ministry  of  Communications  contacted  the 
telecommunications  operators 
(including  Bezeq,  Pelephone  and  Bezeq 
International) in a letter in which it raised concerns that some of the subscribers 
to the operators' services are not using them and are not even aware of it. The 
Ministry recommended in its appeal to operators to act to notify and stop charging 
subscribers who do not use these services, and also requested periodic reports 
on  the  matter,  over  the  next  6  months.  It  was  also  stated  that  the  Ministry  will 
consider  in  the  future  whether  to  set  binding  provisions  in  the  matter,  in  case 
proactive  actions  will  not  lead  to  a  significant  reduction  therein.  Regarding  the 
handling and consequences of the Ministry of Communications' request to Bezeq 
International,  see  section  4.4.  Bezeq  and  Pelephone  transmit  the  requested 
information and from an examination of the issue by them, it does not appear that 
this  is  a  phenomenon  with  significant  consequences  for  them.  On  January  14, 
2021,  a  preliminary  request  was  also  sent  to  DBS  by  the  Cable  and  Satellite 
Broadcasting  Council  regarding  "Demand  for  information  about  "dormant" 
subscribers as well as about services that subscribers pay for and do not use". In 
March 2021, DBS replied that due notice was given to its subscribers, and that it 
could not provide the requested information due in part to the lack of established 
information in its hands, due to the Council's lack of authority in at least some of 
its requests, and due to additional difficulties inherent in the Council's application. 

1.7.5.  Restrictions on creating liens on the assets of the Group companies 

For the sake of convenience, the following are references to sections in the 2020 periodic 
report that relate to the restrictions that apply to the Group companies in the lien on their 
assets and the main restrictions:  

1.7.5.1  Regulatory restrictions - The Communications Law, the Communications 
Order  (applicable  to  Bezeq)  and  some  of  the  communications  licenses  of  the 
Group companies include restrictions on the granting of rights to third parties in 
the assets used to provide the essential service or in the license assets.16, as the 
case may be, including the need to obtain regulatory approvals to create liens on 
these  assets.  In  some  cases,  for  example  Pelephone's  mobile  radio  telephone 
license and Bezeq International's unified license, there are exceptions that allow 
the creation of liens in favor of a banking corporation without the need for advance 
regulatory  approval,  provided  that  the  lien  agreement  includes  provisions 
ensuring that the exercise of the lien by the banking corporation will not impair the 
provision of the services under the license. In addition, according to the provisions 
of  the  law  and  the  media  licenses,  the  license  and  the  rights  under  it  are  not 
transferable,  and  cannot  be  encumbered  or  foreclosed  (subject  to  exceptions). 
See also sections2.16.3.7, 3.14.2 and5.15.1.7.  

1.7.5.2  Restrictions on agreements- Bezeq undertook to certain financiers in an 
undertaking not to encumber its assets unless it creates in favor of those financing 
bodies at the same time a lien of the same type, rank and amount (negative lien), 
subject to certain exceptions. see also Note 14.4 to the 2020 statements.  

1.7.6.  Pandemic - Outbreak of COVID-19 

At the beginning of 2020, a global outbreak of the Coronavirus (COVID-19) began, which 
is an incident with many implications, including macroeconomic ("the Incident"). Following 

16   The assets needed to ensure the provision of services by the licensee.  

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the Incident, many countries, including Israel, have taken and are taking significant steps 
in an attempt to prevent the spread of the virus, such as restrictions on the movement  of 
citizens,  gatherings,  transport  restrictions  on  passengers  and  goods,  closing  borders 
between countries, and so on. As a result, the Incident and the actions taken as aforesaid 
have significant implications for many economies as well as for the capital markets in the 
world, including a general  decline in the  levels of business activity  in  the economy (see 
section2.20.10), leading to payment problems in certain segments. 

In  view  of  the  effects  of  the  pandemic  on  the  whole  economy,  on  the  world  and  on  the 
Group companies, which also involve a great deal of uncertainty, there may be a material 
adverse effect on the Group's results, mainly as a function of the duration and scope of the 
restrictions. During 2020 until the date of publication of the report, the impact of the Incident 
is mixed - a significant decrease in revenues from roaming services in Pelephone and a 
certain  decrease  in  revenues  from  the  business  segment  in  all  Group  companies  were 
offset  almost  entirely  by 
landline 
communications  services  in  the  private  segment.  In  addition,  the  prolongation  or 
exacerbation of the crisis may damage revenues from the sale of mobile end equipment as 
well as collection amounts and dates, mainly from some of the Group's small to medium-
sized business customers. 

increased  consumption  and 

revenues 

from 

The Group companies  take various actions to deal with  the risks and exposures arising 
from  the  consequences  of  the  Incident,  including  remote  work,  training  for  employees 
required  to  be  in  contact  with  the  public,  purchase  of  required  accessories,  activities  to 
increase equipment inventory and expanding core product supply sources. 

It should be noted that since the beginning of 2021, an operation to vaccinate the population 
in  Israel  against  the  virus  has  begun,  an  activity  that  may  mitigate  the  effects  of  the 
pandemic  and  allow,  to  a  certain  extent,  a  return  to  the  economy's  routine  of  economic 
activity. 

The  Company's  estimates  as  aforesaid  are  forward-looking  information  and  may  vary 
depending on various developments regarding the COVID-19 pandemic and its effects, in 
particular the duration and extent of the  Incident, the nature and extent of the economic 
and  other  restrictions  associated  with  it,  and  the  intensity  and  duration  of  the  economic 
recession. 

It  should  be  noted  that  during  the  period  various  actions  were  taken  by  the  Ministry  of 
Communications (and also by the Council and the Chairman of the Council regarding DBS) 
to  deal  with  the  consequences  of  the  Pandemic,  including  providing  temporary  relief  to 
communications  companies  (some  of  which  have  already  expired),  inter  alia,  regarding 
response  times  at  call  centers,  mobility,  connection  and  collection  of  equipment  and 
TReverse Bundle. 

For the purposes of this section, see also section __ of the Board of Directors’ Report and 
Note 1.4 to the 2020 statements. 

For  this  matter,  see  also  the  description  of  the  risk  factors  in  all  areas  of  activity  in 
sections2.20.13, 3.19.1.2, Error! Reference source not found. and 5.19.1.4. 

1.7.7.  For  a  description  of  additional  regulatory  developments  during  the  reporting  period 
and to describe the main restrictions that apply to the Group's areas of activity, see 
sections 2.16, 3.14, 4.11 and 5.15.  

1.8.  Bezeq Group Business Strategy 

The Group's vision  

Bezeq Group will lead the communications market in Israel, satisfy the entire communications needs 
of the private and business market and strive for continuous improvement in its business results. 

Group strategy 

- 

- 

- 

Leading  the  communications  market  In  Israel,  through  investment  in  quality  and  advanced 
infrastructure and the provision of quality and efficient service. 

Focus on broadband infrastructure: fiber optics and the 5G network (core areas), as the Group's 
continuous growth engines. 

Profitability and market share: 

Subsidiaries - striving to improve profitability without impairing market share 

Bezeq Fixed  Lines - striving to preserve market share / increase  in specific segments, while 

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maintaining profitability 

- 

Continued streamlining based on focusing on core business and administrative reduction, and 
striving to improve managerial flexibility and responsiveness 

-  Maintaining financial resilience and stability 

- 

- 

- 

Initiating business development measures (including M&A), in areas that touch / expand on the 
core areas 

Striving for regulatory elimination of the structural separation, which will enable a full merger of 
the companies in order to improve customer service, strengthen competitive capacity and bring 
value to shareholders 

Connecting  and  harnessing  management  and  employees  to  create  value  for  the  Company 
through incentives and rewards. 

Streamlining moves and promoting the assimilation of synergies between subsidiaries 

The subsidiaries Pelephone, Bezeq International and DBS (the "Subsidiaries") have implemented 
and  are  implementing  significant  moves  to  promote  and  assimilate  the  synergy  between  them, 
including the signing of collective agreements which include streamlining and synergy procedures; 
Transition to managements in a similar composition, while streamlining decision-making processes, 
along  with  savings  in  expenses;  Implementing  streamlining  measures  and  saving  on  operating 
expenses; Sales of the companies' services through the distribution channels of the other companies; 
Implementing  a  shared  customer  management  system  (CRM)  over  an  advanced  Cloud  platform; 
Implementing additional synergistic moves such as cross sales, deepening shared procurement and 
using shared resources. In this matter, see also section 1.1.4. 

For  details  on  additional  strategic  objectives  in  relation  to  each  of  the  Group  companies,  see 
sections2.19, 3.17, 4.13 and 5.18.  

In respect of decisions by Bezeq’s Board of Directors and DBS’s Board of Directors regarding an 
outline for a gradual transition from satellite broadcasts to transmission via the Internet (OTT)  see 
section5.19. 

The assessments described in this section are forward-looking information that may be affected by 
various factors, including future changes in the Israeli market in general and in the communications 
market in particular, strategic and other moves to be made by Bezeq and its subsidiaries, regulatory 
changes,  Bezeq's  competitive  position,  etc.  The  above  may  be  affected  by  the  materialization  of 
some of the risk factors listed in the sections 2.20,3.19, 4.14 and 5.19.  

1.9.  Incident outside the scope of the corporation's business 

As part of the preparation of the quarterly report and as part of the process of preparing and closing 
the financial statements for the period ended September 30, 2020, Bezeq International found that 
there are discrepancies between the assets and liabilities listed in  its books and the actual assets 
and  liabilities,  due,  among  other  things,  from  the  non-imputation  of  costs  from  previous  years  in 
respect of payment of advances to suppliers to the income statement and improper recognition of 
advance expenses. Following the discovery of the discrepancies, Bezeq International's Management 
began  an  immediate  examination  of  the  issue  and  carried  out  compensatory  actions,  tests  and 
procedures,  while  investing  a  great  deal  of  effort  and  resources,  in  order  to  prepare  the  financial 
statements lawfully. 

Bezeq's  Board  of  Directors  has  appointed  an  independent  external  examiner17  for  an  in-depth 
investigation of the incidents and circumstances. On February 4, 2021, the external auditor presented 
his  findings  to  Bezeq's  Board  of  Directors  as  part  of  an  examination  report  prepared  by  him  (the 
"Examination Report"). The findings mainly referred to: payable balances of suppliers that were not 
reflected  in  Bezeq  International's  statement  of  income  in  2001-2003  (as  part  of  the  audit, 
documentation  was  found  that  some  of  Bezeq  International's  CFOs  had  known  for  years  about 
unexplained  debit  balances);  Lack  of  recognition  of  expenses  in  parallel  to  revenue  in  service 
agreements  with  customers  between  the  years  2018-2019;  Failures  in  the  control  systems  that 
enabled the occurrence of the incidents and their duration; And disruption of data presented to the 
auditor. The executive summary of the Examination Report is attached as an appendix to Bezeq's 
immediate  report  dated  February  7,  2021,  which  is  included  in  this  report  by  way  of  reference.  It 
should be noted that the Examination Report did not reveal any new findings in relation to the data 
that Bezeq reported in relation to the amounts of the discrepancies discovered between the assets 
and  liabilities  registered  in  Bezeq  International's  books  and  the  actual  assets  and  liabilities,  or  in 

17 An examination team from Fahn Kana & Co. headed by CPA Mickey Blumenthal. 

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relation to the effect of these discrepancies on Bezeq International's financial results as included in 
Bezeq's financial statements as of September 30, 2020 and its financial statements as of December 
31,  2019  and  September  30,  2019,  which  were  restated.  After  discussing  the  findings  of  the 
Examination Report and its conclusions, Bezeq's Board of Directors and Bezeq International's Board 
of Directors decided to adopt the external examiner's recommendations included in the Examination 
Report and complete the implementation of the recommendations from the Examination Report, as 
part of the deficiencies  correction plan that Bezeq International's Management began to carry out 
immediately upon its discovery of the discrepancies. Bezeq International’s Board of Directors also 
decided to act in accordance with the law to terminate the employment of a number of employees in 
the  Finance  Division  at  Bezeq  International  who  were  involved  in  the  incidents  subject  to  the 
investigation (who are not officers  therein). It should be noted that the  Examination Report states 
that from the examination results and the samples made by the external examiner, no indications 
were found that raise suspicion of the occurrence of an embezzlement incident during the examined 
period.  In  addition,  Bezeq's  Board  of  Directors  decided  to  authorize  Bezeq's  Audit  Committee  to 
continue  discussing  the  findings  and  recommendations  of  the  report,  including  monitoring  the 
implementation  of  the  recommendations,  discussing  implications  for  audit  and  control  issues  and 
examining the need to draw conclusions and take further action. 

For further details on this matter, including the details of the effect of the discrepancy corrections on 
the Group's capital and the recognition of an additional impairment loss as a result of the update of 
the value of the activity and the book value of Bezeq International, as well as adjsutment by way of 
restatement  of  the  Group's  financial  statements  made  in  light  of  the  examintion  results  as  stated 
above, see also immediate reports by Bezeq and the Company dated Septmber 11, 2020, November 
18, 2020, November 19, 2020, November 30, 2020 and December 3, 2020 included in this report by 
way of reference, as well as Chapter E of the 2020 statements. Also, regarding legal proceedings 
related to this matter see section2.18.1. 

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2.  Bezeq – Landline interior communications 

2.1.  General information about the field of activity 

2.1.1.  The field of activity and changes that apply to it 

Bezeq owns a general license for the provision of landline interior communications services 
and provides a variety of communication services as specified in section 2.2, the main ones 
being: Internet access infrastructure services, landline interior telephony, transmission and 
data  communication  services,  Cloud  and  digital  services  and  wholesale  services  (for 
wholesale services, see section2.16.4). 

2.1.2.  Legislative and regulatory constraints and special constraints 

2.1.2.1  Communications Law and Bezeq's NIO license 

Bezeq's  activities  are  subject  to  governmental  regulation  and  comprehensive 
supervision  arising  from  Bezeq's  status  as  a  general  licensee  under  the 
Communications Law, subject to the provisions of the Communications Law, the 
provisions, regulations, orders and rules enacted thereunder and the provisions 
of  the  NIO  license  and  other  laws.  In  this  regard  and  for  the  restrictions  on 
Bezeq's  activities,  inter  alia,  regarding  the  determination  of  rates,  structural 
separation, approvals for new services and service baskets as well as wholesale 
market see section1.7.2 and section 2.16. 

Additionally, Bezeq has been declared an essential Bezeq service provider under 
the Communications Order. By virtue  of this  declaration,  Bezeq is obligated to 
provide  a  number  of  basic  services  under  the  NIO  license  and  may  not 
discontinue  or  reduce  them  without  approval.  The  order  further  stipulates 
restrictions on the transfer and purchase of means of control of Bezeq and certain 
restrictions on Bezeq’s activity. For details, see section2.16.3.  

2.1.2.2 

Laws of Economic Competition 

Bezeq has been declared a monopoly in the main areas of its operations, and it 
is also subject to supervision and restrictions under the Economic Competition 
Law (see section2.16.8). 

2.1.2.3  Environmental law and planning and construction law 

Some  of  Bezeq's  activities  involve  the  use  of  wireless  frequencies  and  the 
operation  of  facilities  that  emit  electromagnetic  radiation,  which  are  subject, 
respectively,  to  the  Telegraph  Order  (see  section  2.16.9),  to  the  Non-Ionizing 
Radiation Law (see section2.15.2), and to National Outline Plan 36 and National 
Outline Plan 56 (see section 2.16.10). 

2.1.3.  Changes in the scope of activity in this field and its profitability and developments in 

the market and in the characteristics of customers 

For key data on the scope of activity in the field of landline interior communications and its 
profitability in 2019 and 2020, see section 1.5.4.1. The following is a description of the main 
changes in the scope of activity in this field during the reported period18:  

2.1.3.1  Wholesale market - At the beginning  of 2015,  Bezeq  began providing a 
wholesale  BSA  service  for  service  providers,  when  as  of  the  end  of  2020,  the 
number of wholesale Internet subscribers on Bezeq’s network was approximately 
557k  subscribers,  constituting  approximately  36%  of  all  Bezeq's  Internet 
subscribers. In this context, it should be noted that within these subscribers there 
are also subscribers that were not on Bezeq’s network in the first place (new or 
from a competing network). There is no demand for wholesale telephony services 
(zero subscriptions as of the date of publication of the report). For this matter see 
section2.16.4.  

2.1.3.2  The  field  of  landline  telephony  -  in  recent  years,  the  field  of  landline 
telephony has been characterized by a decrease in demand, which is reflected in 
a decrease in the rate of landline telephone subscribers and a gradual erosion in 
the number of calls originating  in  landline  networks. In Bezeq's estimation, this 
trend is mainly due to the increase in the use of cell phones in light of large-scale 

18   For details of the data as well as subscrber definitions and average income, see the notes to the table in section 1.5.4.1. 

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call packages that cellular companies have marketed extensively in recent years 
and  a  decrease  in  prices  in  the  field  (Bezeq  estimates  that  85%  of  all  calls 
originate in the cellular network), as well as an increase in the number of calls 
over the Internet (See section2.1.4). In 2020, there was a decrease of about 5% 
in  the  number  of  Bezeq  subscribers.  Also,  probably  due  to  the  effects  of  the 
COVID-19  crisis,  there  was  a  17%  increase  in  the  number  of  call  minutes 
(outgoing and  incoming) on  Bezeq  landline telephone lines compared to  2019, 
and a corresponding increase of about 2% in the average monthly income from a 
telephone subscriber. 

Diagram - Rate of households without a landline telephone line19  

2.1.3.3  The field of Internet access - in the Internet market, there has been growth 
in recent years in terms of the number of customers. In addition, the Internet field 
is characterized by an increase in browsing rates and the adoption of advanced 
services and value-added applications. During 2020, Bezeq estimates that there 
will  be  a  2%  increase  in  the  number  of  landline  Internet  subscribers  in  Israel 
compared to 2019. In 2020, there was a 1% decrease in the number of Bezeq 
Internet subscribers (retail and wholesale) compared to 2019. In 2020, there was 
an increase in Internet subscribers through fiber optic infrastructures of competing 
companies. The COVID-19 crisis has accelerated the shift of subscribers to other 
infrastructures that can provide higher speeds. In addition, in 2020 there was an 
increase  in  the  number  of  subscribers  to  the  wholesale  market  on  Hot's  cable 
infrastructure, the number of Hot subscribers is not known and Bezeq does not 
have information about this figure. Bezeq began marketing the 200Mb speed in 
November 2020 to potential customers using 35B technology. As of the end of 
2020, the number of subscribers in this technology constitutes about 1% of the 
number  of  retail  Internet  subscribers.  The  average  monthly  income  per  Bezeq 
Internet subscriber (retail) increased by about 2% compared to 2020. 

19   The  data  were  taken  from  the  publications  of  the  Central  Bureau  of  Statistics  (press  releases,  preliminary findings  from  the 
Household Expenditure Survey 2017) dated November 26, 2019 and December 12, 2018. In relation to the data for the years 
2019-2020 - in accordance with the assessment of Bezeq based on surveys by the Central Bureau of Statistics from previous 
years. 

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Diagram - Distribution of Internet subscribers on Bezeq infrastructure (quarterly, in thousands):  

Retail 
subscribers 

Internet 

Wholesale 
subscribers 

Internet 

2.1.3.4  Data transmission and communication services 

The areas of transmission and communication data for business customers and 
communication  providers  are  characterized  by  a  rapid  increase  in  customers' 
bandwidth  needs,  but  generally  a  decrease  in  the  price  of  a  given  volume  of 
traffic, which stems from the development of technology to increase bandwidth at 
lower costs than in the past (see section 2.6.4). In addition, there is a decrease 
in  the  use  of  Bezeq's  transmission  and  data  communications  services  by 
telecommunications  providers,  mainly  due  to  the  shift  to  the  use  of  the 
telecommunications providers' own infrastructure, including within the wholesale 
market. For this matter see section2.16.4.3. 

2.1.3.5  Use of physical infrastructure - for the purpose of wholesale service and 
for the provision of the possibility to competitors with infrastructure to use Bezeq's 
passive infrastructure, see section 2.16.4. 

2.1.3.6  Service packages 

For an increase in the rate of consumption of packages and baskets of services, 
see section1.7.1. Regarding Bezeq's shared service baskets, see section 1.7.2. 

2.1.4.  Technological changes that have a significant impact on this field of activity 

2.1.4.1 

In the communications market, a trend has been established towards IP-
based 
the  phenomenon  of  "technological 
technologies,  which  promote 
convergence" between the various communication systems (such as telephony 
and DATA). There has also been an increase in the penetration of integrated end 
devices that enable the consumption of various communication solutions on the 
same device (such as cellular and Wi-Fi services). These two, together with the 
increase in the availability of IP protocol-based technologies and the continuing 
trend  of  increasing  bandwidth,  enable  the  customer,  including  the  business 
customer, a wide range of applications and services on IP based infrastructures, 
such  as  telephony  services,  including  private  exchange  services,  video 
transmission  services  ,  TV,  private  networks,  network  services  with  enterprise 
applications on the Internet infrastructure (ERP, CRM, etc.) and Cloud services. 
These developments are leading to an increase in bandwidth demand by Bezeq's 
Internet infrastructure, transmission and data communications customers. For the 
deployment  of  optical  cables  and  ultra-fast  browsing  speeds,  see  section2.7.2. 
Technological  developments  and  declining  equipment  prices  may  even  allow 
other operators to provide services similar to those provided by Bezeq at lower 
costs. 

Technological  changes  can  also  lead  to  the  cannibalization  of  services.  An 
example  of  this  is  a  decrease  in  the  consumption  of  the  Group's  traditional 
landline telephony services (for competition in the field of telephony through the 
provision of services on Bezeq's Internet infrastructure (VoB), see section2.6.2). 
The increase in the speedds of the cellular service enables the cellular operators 
to compete with Bezeq's telephony and Internet services, and to market greater 
bandwidths  to  their  customers  at  lower  prices  than  in  the  past.  In  the  Bezeq’s 
opinion,  as  of  the  date  of  the  report,  the  increase  in  the  number  of  customers 
browsing  the  cellular  Internet  did  not  materially  affect  the  scope  of  Bezeq's 
Internet activity. However, the potential for increase in the use of cellular networks 

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at the expense of the use of the Bezeq network exists and may increase with the 
establishment of 5G (see section3.1.5), since it will also be able to provide ultra-
fast internet at the customer's home. 

The  COVID-19  crisis  has  highlighted  the  need  for  greater  bandwidth  in  home 
browsing.  The  competitors  who  have  fiber  optic  infrastructure  and  cable 
infrastructure of up to 500Mb took advantage of this to recruit subscribers to their 
infrastructure. 

2.1.4.2  Bezeq  also  develops  and  provides  services  based  on  wireless 
technologies  for  IoT  (Internet  of  Things)  solutions,  including  for  homes, 
businesses and smart complexes. See section2.2.5. In 2020, Bezeq launched the 
new "smart home" based on the Be router capable of a variety of IoT solutions. 

2.1.5.  The critical success factors in the field of activity and the changes that apply to them  

2.1.5.1  The ability to offer reliable communication systems at a competitive price 
based on a cost structure adapted to the frequent changes in Bezeq's business 
environment.  

2.1.5.2  Regulatory decisions and the ability to deal with them. 

2.1.5.3  The  ability  to  maintain  innovation  and  technological  leadership  and 
translate it into advanced, reliable and valuable applications for the customer in 
short response times, as well as marketing primacy. 

2.1.5.4  Preservation of brand values and their adaptation to the conditions of the 

changing competitive environment. 

2.1.5.5  Effectiveness of sales and service systems. 

2.1.5.6 

Informed pricing policy management, subject to regulatory restrictions. 

2.1.6.  The main barriers to entry and exit of this field of activity and changes that apply to 

them 

Activities in the field of landline interior communications require the receipt of appropriate 
NIO licenses. For a memorandum of understanding of the bill regarding a change in the 
format  of  the  regulation  and  transfer  to  the  issuance  of  general  permits,  see  section 
1.7.4.10. 

Traditionally, the main barrier to entry into this field has stemmed from the need for heavy 
investments  in  technological  infrastructure  and  enveloping  systems  to  achieve  size 
advantages,  and  high  costs  associated  with  setting  up  marketing,  sales,  collection  and 
customer support systems and brand building. Over the years, the traditional barriers to 
entry  into  Bezeq's  areas  of  activity  have  been  significantly  reduced,  as  a  result  of  the 
following  factors:  technological  improvements,  declining  prices  of  infrastructure  and 
equipment, changes in the rules of regulation (see sections2.7.2 and 2.16.12), regulatory 
relief  granted  to  new  competitors,  obligation  to  allow  the  use  of  Bezeq  (and  Hot) 
infrastructure  and  services  -  including  within  the  wholesale  market  and  the  use  of  VoB 
telephony  services  over  another  operator's  broadband 
technology 
infrastructure, without the need for independent landline telephony infrastructure. 

that  enables 

The main barriers to exit stem from the following: Bezeq's obligation, set forth in its license, 
to provide its services on a universal basis (to the general public in Israel, except in relation 
to  fiber  as  specified  in  section  2.16.12);  Its  subordination  to  the  provisions  of  the 
Communications Order, regulations under the Communications Law, as well as provisions 
under  Article  13a  of  the  Communications  Law  regarding  emergency  activities;  Its 
commitment  to  some  of  its  employees  employed  under  collective  agreements;  Large 
investments that require a long return on investment; And a commitment to repay long-term 
loans taken to finance investments. Some of these exit barriers are unique to Bezeq and 
are not relevant to other operators operating in this field of activity. 

2.1.7.  Substitutes for products in this field of activity and changes that apply thereto 

Cellular communication services are a substitute product for Bezeq services, both in the 
field  of  telephony,  Including  through  apps  and  in  IP  technologies  such  as  VoB  (see 
section2.6.2), and in the field of the Internet (see sections2.6.2 and2.6.3), transmission and 
data communication. Technological developments (such as  4G and 5G in cellular, fiber-
optic-based infrastructure and advanced cable Internet protocols) enable the provision  of 
new services at high speeds and at competitive prices. 

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2.1.8.  The structure of competition in this field of activity and changes that apply thereto 

The field of landline interior communications is regulated and supervised by the Ministry of 
Communications, among other things, through the issuance of licenses to bodies operating 
in the field.  

In the communications market there are two licensees for the provision of landline interior 
communications services obligated to provide service to everyone, nationwide deployment 
and  universal  service  (except  in  relation  to  fiber):  Bezeq,  and  Hot  Telecom.  IBC  is  also 
bound by an obligation of a limited deployment to at least 40% of households in Israel within 
10  years  from  the  date  of  receipt  of  a  single  general  license  of  a  unique  general  type 
(infrastructure) (July 31, 2019) that replaced the general license (NIO Infrastructure)20. The 
three companies compete with each other. At the same time, they were allowed to make 
mutual use of each other’s physical infrastructure (except for infrastructure owned by the 
IEC needed to provide essential service) and infrastructure of another NIO, so that in fact 
the competition can be through physical infrastructure of another licensee, and in practice, 
mainly on Bezeq's infrastructure (see on this matter2.16.4.4).  

The  companies  Cellcom  and  Partner,  which  have  unique  NIO  licenses  (which  do  not 
require  universal  deployment),  have  deployed  an  independent  fiber  network,  including 
Bezeq's physical infrastructure (regarding Cellcom and Hot joining IBC see section2.6.3.5). 

The Internet field is characterized by high penetration rates attributed to the deployment of 
national  access  infrastructure.  Bezeq's  main  competitor  in  this  field  is  Hot.  With  the 
implementation  of  the  wholesale  market,  Internet  access  service  providers  (ISPs)  have 
become Bezeq’s competitors that provide a package of services that includes broadband 
Internet  access  infrastructure  through  Bezeq  infrastructure  which  they  use  in  wholesale 
services,  and  Partner  and  Cellcom  are  competing  with  Bezeq  through  broadband  fiber 
infrastructure they  deployed. In addition, Bezeq  is also exposed to competition from the 
cellular networks (see section2.1.4). 

The field of landline telephony is in competition, and Bezeq’s competitors, some of whom 
are  within  the  framework  of  communication  groups  (see  section  1.7.1),  are  the  cellular 
companies (see section 2.6.2.2), Hot Telecom, as well as VoB service providers operating 
under  licenses  without  universal  service  obligation  for  several  years,  without  their  own 
independent  access  infrastructure.  For  details  on  wholesale  telephony  services  see 
section2.16.4.  

For  a  hearing  on  the  elimination  of  the  separation  between  the  Internet  infrastructure 
service and the access service (ISP) - see section1.7.2.2. 

In  the  field  of  wholesale  services,  Hot  competes  with  Bezeq  as  an  infrastructure  owner 
obligated to provide wholesale services. In practice, BSA services started on Hot’s network 
in the second half of 2018 (see also section2.16.4).  

In  the  field  of  data  transmission  and  communication,  Bezeq’s  main  competitors  are  Hot 
Telecom, Cellcom and Partner, operating within the framework of communication groups 
and offering a complete communication solution to the customer. 

Competition  in  the  industry  depends  on  various  factors  such  as:  regulatory  decisions, 
possible changes in the terms of the licenses of Bezeq and its subsidiaries and the terms 
of  the  licenses  of  their  competitors;  Mergers  and  collaborations  between  companies 
competing  with  the  Group  companies;  Possible  implications  of  the  Centralization  Law; 
Continued  development  of  the  wholesale  market  and  the  asymmetry  between  Bezeq's 
ability and the ability of competitors to sell a comprehensive service; The new services that 
Bezeq will be allowed to provide; The rates policy, Cancellation of the structural separation 
and  the  degree  of  flexibility  that  will  be  given  to  Bezeq  in  offering  undetachable  service 
packages, including with subsidiaries and technological developments. 

For a description of the development of competition, see section1.7 and2.6. 

2.2.  Products and services 

2.2.1.  General 

Bezeq  provides  a  wide  range  of  communication  services  to  its  business  and  private 
customers as detailed below. 

20   The  duty  of  nationwide service for  all  also  applies  to  holders  of  general  licenses for the  provision  of  mobile  radio  telephone 
services such as Pelephone, Cellcom and Partner, as well as in the field of  internaiotnal operator services  - such as Bezeq 
International. 

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2.2.2.  Telephony 

Bezeq's  telephony  services  mainly  include  the  basic  telephone  services  via  the  home 
telephone line, and ancillary services such as: voicemail and caller ID.  

Bezeq  also  provides  its  customers  with  national  numbering  services  for  businesses  ("1-
800", "1-700"), the calls in which are paid in full or in part by the business.  

Bezeq operates a unified call center21, under the code (1344) established by the Ministry 
of Communications also for operators of landline and cellular telephony, as well as a unified 
website free of charge, in addition to Bezeq's 144 service.  

For  the  provision  of  a  resale  service  and  for  wholesale  telephony  service,  see 
section2.16.4.4.  

2.2.3.  Internet access infrastructure services 

Bezeq provides broadband Internet access infrastructure services using xDSL technology. 

For details regarding changes in the number of Bezeq Internet subscribers and the average 
monthly income per Internet subscriber, see section  1.5.4. For details regarding Bezeq's 
market share in this field, see section2.6.3.  

The  Internet  service  is  one  of  Bezeq's  main  occupations  and  a  major  route  in  its 
investments in technologies, marketing, advertising and customer acquisition and upgrade. 
The  average  package  speed  of  Bezeq's  Internet  subscribers22  At  the  end  of  2020 
amounted to about 74.2Mbps, compared to an average package speed of 67.8Mbps at the 
end of 2019. The minimum package provided in the service to new customers is usually at 
a maximum speed of 15Mb. 

xDSL service is also provided on a subscriber line without telephony at no extra charge for 
the access line. It should be noted that in accordance with the decision of the Ministry of 
Communications, Bezeq may not discriminate in the price of the xDSL service between a 
subscriber who consumes the service together with a telephony service and a subscriber 
who consumes only the xDSL service. 

Bezeq is committed to providing a broadband Internet access service in the BSA wholesale 
format to service providers who provide their customers with an end-to-end Internet service 
in this manner, including infrastructure. For this service see section2.16.4. 

Diagram - Changes in the package speeds of Bezeq Internet subscribers in the years 2013-
2020 (Mbps, as of the end of each year)*:  

Up 
to 5 

* In packages where there is a range of  speeds, the  maximum speed in the package is 
taken into account 

2.2.4.  Data transmission and communication services 

Data communication services are network services for transferring data from point to point, 
data  transfer  between  computers  and  various  communication  networks,  services  for 

21  

"Unified" information service is an information service that contains data regarding the subscribers of all operators. Landline and cellular 
telephony operators are required to provide unified intelligence services by virtue of their communications licenses. The activity is exempt 
from receiving a restrictive arrangement approval, valid until November 11, 2023.  

22    In packages where there is a range of speeds, the maximum speed in the package is taken into account. 

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connecting communication networks to the Internet and remote business access services. 

Bezeq offers transmission services, including at high speeds, to communications operators 
and its business customers in a variety of interfaces (see section2.6.4). 

There is a decrease in the use of Bezeq's transmission and data communications services 
by telecommunications operators (see section2.1.3.4). 

2.2.5.  Cloud and digital services 

This  category  includes,  among  others,  virtual  server  services,  Bcyber  service,  "smart 
home",  "smart  business"  and  smart  complexes  services,  virtual  private  hub  services  (IP 
Centrex),  as  well  as  the  B144  service  which  is  Bezeq's  advertising  platform  for  digital 
advertising and marketing for small businesses, BCAM, SMS, WiFi and remote backup. 

2.2.6.  Other services 

2.2.6.1  Additional services for communications operators  

Bezeq provides services to other communications operators, including: cellular 
operators;  International  operators;  Hot;  Network  endpoint  operators;  Internet 
Service  Providers  (ISPs); 
Interior  operators;  Palestinian  communications 
providers. 

The  services  that  Bezeq  provides,  as  stated,  include  infrastructure  services, 
linking  to  the  Bezeq  network,  billing  and  collection  services,  renting  areas  and 
providing services in rented properties. 

For the provision of wholesale services to communications operators and for the 
possibility of using Bezeq's physical infrastructure also for infrastructure owners, 
see section1.7.3. In this regard, it should be noted that as of 2019, there has been 
a  certain  deterioration  in  the  payment  ethics  of  communications  operators, 
deferral of payments and an increase in the volume of dispute claims. This state 
of affairs, in parallel with the erosion in the financial strength of various operators, 
increases the risk of having to recognize loan-loss. However, as of this date, this 
deterioration does not have a material effect on Bezeq. On April 27, 2020, Bezeq, 
through its attorney, contacted the Ministry of Communications and announced 
that it does not intend to allow the continued provision of wholesale services to 
service  providers  who  do  not  pay  for  these  services.  On  May  12,  2020,  the 
Ministry announced that it is examining the issues that arose from the letter by 
Bezeq’s attorney, and on February 10, 2021, the Ministry published a hearing to 
determine  an  updated  procedure  for  dealing  with  a  licensee's  complaint  about 
another licensee in matters that are regulated by the Ministry, according to which, 
among  other  things,  the  team  handling  complaints  can  recommend  to  the 
competent  body  in  the  Ministry  to  make  a  decision  that  the  Ministry  will  not 
prevent injured licensees from taking action against the licensee against whom 
the  complaint  was  filed,  such  as  discontinuing  service,  not  connecting  new 
subscribers  and  more,  all  according  to  the  circumstances  and  severity  of  the 
case.  On  March  3,  2001,  Bezeq  submitted  its  response  to  the  procedure, 
according to which the team's powers must be clarified and binding schedules 
must also be set for examination and enforcement. 

2.2.6.2  Broadcast services 

Bezeq  operates  and  maintains  radio  transmitters,  among  others,  for  the 
broadcasting corporation, Galei Tzahal and a number of regional radio stations. 
Bezeq also  operates the DTT broadcasters for the Second Authority. Bezeq is 
responsible solely for operating and maintaining the transmitters for the purpose 
of distributing the broadcast of the radio and television programs, and not for the 
content of the broadcasts. For this matter, see also section2.15. 

2.2.6.3  Contractor work 

Bezeq  performs  construction  and  operation  of  networks  or  sub-networks  for 
various  customers  (such  as  the  Ministry  of  Defense,  radio  and  television 
international  communications 
broadcasting  companies,  cellular  operators, 
operators, local authorities, municipalities and government bodies). 

2.2.7.  Sales of end equipment 

As of 2019, Bezeq has been selling smartphones (in addition to other end equipment sold 

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Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

thereby). Bezeq intends to expand its supply to additional end equipment in the future. 

2.3.  Revenue segmentation of products and services 

The  following  is  data  about  the  distribution  of  the  Company's  revenues  according  to  the  main 
products and services in its field of activity in the years 2018-2020 (in NIS million):  

 Revenue from Internet infrastructure 
services 
Rate out of the total Company revenue 
in the field of activity 
Revenue from landline telephony 
Rate out of the total Company revenue 
in the field of activity 
Revenue from transmission and data 
communication services 
Rate out of the total Company revenue 
in the field of activity 
Revenue from Cloud and digital 
services 
Rate out of the total Company revenue 
in the field of activity 
Revenue from other services and sale 
of end equipment 
Rate out of the total Company revenue 
in the field of activity 
Total revenues from the field of 
landline interior communications 

2020 
1,622 

2019 
1,578 

2018 
1,596 

39.0%  38.74%  38.04% 

1,156 
1,039 
1,008 
24.24%  25.50%  27.55% 

1,011 

948 

977 

24.31%  23.27%  23.28% 

288 

274 

260 

6.92% 

6.73% 

6.20% 

230 

234 

207 

5.53% 

5.74% 

4.93% 

4,159 

4,073 

4,196 

2.4.  Customers 

Bezeq  is  not  dependent  on  a  single  customer,  and  there  is  no  customer  Bezeq's  revenues  from 
whom constitute 10% or more of its total revenues. Bezeq's revenues are divided into two main types 
of  customers:  private  customers  (approximately  50%)  and  business  customers  (approximately 
50%).23. The aforesaid distribution is according to  revenue, as detailed in the table below (in NIS 
millions):  

Revenue from private customers 
Revenue from business customers  
Total revenue 

2020 
2,033 
2,126 
4,159 

2019 
2,029 
2,044 
4,073 

2018 
2,101 
2,095 
4,196 

2.5.  Marketing, distribution and service 

Bezeq has marketing, sales and service systems for businesses and private customers, including 
customer  managers  for  the  business  segment,  integrated  sales  and  service  centers  throughout 
Israel, technical support centers for private customers and business customers,Several points of sale 
and service (Bezeq Store chain of stores) throughout Israel, as well as an online virtual store. 

Bezeq markets its services mainly through advertising in the mass media, telephone sales centers, 
customer managers and through a system of marketers that includes outsourced sales centers, as 
well as Internet providers (ISPs) which, with the establishment of a wholesale market, mostly market 
end-to-end  service  packages  based  on  Bezeq's  wholesale  BSA  service.  In  addition,  Bezeq  has 
independent service and sales channels on its website, in a dedicated application (My Bezeq), and 
through a computerized voice response. 

2.6.  Competition 

The  following  is  a  description  of  the  development  of  competition  in  the  field  of  landline  interior 
communications:  

2.6.1.  Wholesale market (see also section 2.16.4) 

23  

Including revenue from wholesale service providers. 

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The wholesale market allows telecommunications providers to compete with Bezeq using 
its physical infrastructure and services, at regulated prices not determined by Bezeq. The 
wholesale market allows telecommunications providers to offer their subscribers, among 
other things, broadband services and end-to-end service packages. 

In June 2017, rates for some of the wholesale market services were published on the Hot 
network. To the best of Bezeq's knowledge, the volume of wholesale subscribers on the 
Hot network is not large (see in this regard section 2.16.4). 

2.6.2.  The field of telephony 

The  field  of  private  landline  telephony  is  characterized  by  a  decrease  in  the  number  of 
owners of a landline telephone line and a gradual erosion in the number of calls originating 
from  landline  networks  (see  section2.1.3.2).  Bezeq  estimates  that  in  2020  the  entire 
telephony market continued to erode at a similar rate to 2019 and at a higher rate compared 
to previous years. For this matter, see also section2.4.In Bezeq's estimation, as of the end 
of 2020, its market share in the  landline telephony market was about 54% in the private 
market and about 70% in the business market, an increase of 1% compared to 2019 in the 
private market and a decrease of 1% compared to 2019 in the business market24. 

2.6.2.1  Competition from additional NIO licensees  

Bezeq and Hot Group have a fixed telephony infrastructure nationwide, and there 
is competition between them, which is reflected, among other things, in the fact 
that  Hot  Group  markets  a  "Triple"  (which  combines  Internet  infrastructure, 
telephony and cable television), and possibly also cellular services, especially for 
households (regarding the marketing of a business service basket for Hot Group 
as well as the marketing of service baskets of Bezeq Group, see section1.7.2.2). 
In addition, Hot Group markets telephony services for business customers. 

In addition, there is competition with existing licensees for the provision of landline 
interior  communications  services,  including  VoB  (see  section  2.1.8),  which 
provide  the  service  (including  via  "Triple"),  inter  alia,  over  Bezeq's  broadband 
access service, including the wholesale BSA service. 

As of July 2017, Bezeq allows holders of unified licenses who are authorized to 
provide NIO services, reselleing telephony service over Bezeq’s network. As of 
August 2018, Bezeq offers a wholesale telephony service  available in a format 
similar to that of the service portfolio in the rates of use regulations, and  as of 
January 2019, a service that also passes through the service provider switch. As 
of the date of the report, there is no demand for service. For this matter and for 
the purpose of wholesale telephony service, see section2.16.4. 

2.6.2.2  Telephony competition from cellular companies  

According to Bezeq, the high penetration rate, combined with low airtime rates 
compared to the rest of the world and packages that include call minutes with no 
effective limit on a fixed monthly fee, have made cellular telephony a substitute 
for 
the 
In  Bezeq's  estimation, 
interchangeability between a landline and a mobile line is one of the main reasons 
for the decrease in the average traffic  per line, and the high rate of removal of 
telephone lines (see section2.1.3).  

the  deepening  of 

telephony. 

landline 

In  the  field  of  cellular  telephony,  there  is  a  trend  of  moving  to  the  use  of 
applications allowing you to make calls and send text messages over the Internet.  

Partner  and  Cellcom  also  provide  landline  NIO  services  through  corporations 
owned by them and also sell service  baskets that combine  landline telephony, 
cellular telephony and Internet services.  

2.6.3.  The field of Internet infrastructure 

In  Bezeq's  estimation,  as  of  the  end  of  the  2020,  its  market  share  in  the  Internet 
infrastructure market (retail and wholesale customers) amount to about 61% (compared to 
approx. 63% at the end of 2019). In addition, Bezeq estimates that its market share in terms 

24   These market shares are in terms of lines and are based on  Bezeq’s estimates.It should be noted that Hot is not a reporting 
corporation, and its data is not public, and accordingly, there is difficulty in obtaining accurate data regarding the market shares, 
and these are only estimates. 

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of retail customers as of the end of 2020 amount to approx. 39%25. 

There is fierce competition in the field of Internet infrastructure: 

2.6.3.1  Competition from Hot Group - Hot has nationwide Internet infrastructure 
through which  a variety of  communication services and interactive applications 
can be provided.  

Hot’s network is currently a major alternative competing with Bezeq infrastructure 
in the private segment. Hot was obliged to provide wholesale services, including 
BSA service, and to the best of Bezeq's knowledge, wholesale BSA service on 
the HOT network has been marketed since the middle of 2018. For that matter, 
see also section2.6.1. 

During 2019, Hot began marketing Internet services at a speed of 500 megabits 
per second (500Mbps). 

To  the  best  of  Bezeq's  knowledge,  after  a  number  of  postponements  and 
facilitations  given  to  Hot  over  the  years  in  implementing  its  universal  service 
obligation,  on  Kuly  28,  2019,  the  Minister  of  Communications  adopted  the 
recommendations  of  the  Advisory  Committee  and  approved  Hot  to  provide  its 
services  in  infrastructure-free  areas  in  the  form  of  technological  neutrality,  i.e., 
without being required to deploy wired infrastructure, but being allowed to use any 
cellular network to provide its services at download speeds of up to 12/30Mbps, 
immediately.  The  adopted  recommendations  also  set  out,  among  other  things, 
milestones for upgrading the network for the cellular network alternative, minimum 
service quality and reporting obligations. 

2.6.3.2  Competition  from  ISPs  and  communication  groups  based  on  wholesale 
BSA  service  –  the  activation  of  the  wholesale  market  allows  Internet  providers 
and  related  companies  (with  a  unified  license)  to  offer  customers  service 
packages that also include Internet infrastructure based on Bezeq’s infrastructure 
and its services (in exchange for regulated rates to be paid by the communications 
providers  to  Bezeq).  If  and  to  the  extent  that  a  "margin  reduction"  prevention 
mechanism 
the  Ministry  of 
Communications hearing (see section2.16.4.2), at the same time, Bezeq's ability 
to market marketing offers of its retail services will be impaired - both in terms of 
timing (Time to Market) and regarding the prices at which the services are offered. 
Also, regarding Bezeq's bundles, see section1.7.2.2. 

is  activated,  similar 

that  described 

to 

in 

2.6.3.3  Competition  by  the  Partner  and  Cellcom  communication  groups  on  the 
basis of an independent fiber network that enables the provision of an ultra-fast 
Internet service - in addition to what is stated in section2.6.3.2, the Partner and 
Cellcom communication groups provide, on an increasing scale, ultra-broadband 
Internet  services  over  an  independent  fiber  infrastructure,  while  also  using 
Bezeq's  passive  infrastructure  within  the  wholesale  market.  According  to  the 
publications  of  the  two  companies  in  March  2021,  the  volume  of  Partner's 
deployment reaches about 760k households (of which about 150k are connected 
customers) as of March 2021, and the volume of Cellcom's deployment (including 
IBC), as of the end of 2021, reaches about 560 households (of which 105k are 
connected as of March 2021). 

2.6.3.4  Competition from cellular operators - cellular companies have deepened 
their activity in the field of the Internet on the cellular medium in both the private 
segment  and  the  business  segment.  In  contrast  to  the  field  of  landline 
communications  (where  there  is  a  separation  between  the  provision  of  access 
infrastructure services and the provision of Internet access services), the cellular 
internet service  is provided as one  piece.  Browsing services are provided  both 
from the cellular device and through a cellular modem that connects to laptops 
and desktops. 

25   Bezeq’s estimate regarding its market share in the field of Internet infrastructure services by the end of 2020 is based on the 
number of customers who consume services on Bezeq infrastructure (retail and wholesale), and on its estimate of the number 
of Hot (retail and wholesale), Partner (fiber) and Cellcom (fiber and IBC) subscribers. It should be noted that Hot is not a reporting 
corporation and its data is not public. Accordingly, it is difficult to obtain accurate data regarding market shares and these are 
only estimates. Also, Partner and Cellcom (IBC) do not report the number of subscribers connected to their fiber and these are 
estimates only. 

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2.6.3.5  Competition from IBC - IBC is setting up a fiber infrastructure to provide 
Internet  over  the  electricity  grid  (and  has  started  operating  commercially  in  a 
limited number of cities). According to media reports, as of the date of publication 
of the report, the number of customers recruited by IBC is not significant. 

In accordance with the decision of the Minister of Communications dated August 
8, 2018, the deployment obligation of IBC was reduced and has been determined 
as no less than 40% of households in Israel within 10 years, when only after the 
"Cherry  Picking"  period  (which  will  last  three  and  a  half  years)  will  the  new 
licensee be required to make at least one household accessible in the periphery 
for  every  household  accessible  in  the  center  (for  this  matter,  see  also 
section2.1.8). 

IBC’s license enables the provision of services to licensees. On January 13, 2020, 
a  hearing  document  was  published  regarding  the  privision  of  the  possibility  for 
IBC to provide a Reverse Bundle service to private end subscribers and additional 
services to large business customers (“the Hearing Document"). Pursuant to the 
hearing  document,  the  Ministry  is  considering  approving  IBC's  requests  as 
follows: (1) enable it to cooperate with access providers in an outline whereby IBC 
and  the  access  provider  will  jointly  engage  with  the  end  customer  so  that  the 
access provider will provide the end customer  with IBC’s Internet infrastructure 
service and Internet access service, and IBC will provide the end customer with 
ancillary  services  ("Reverse  Bundle  Service"),  and  (2)  enable  IBC  under  its 
special license, to sell its services to companies in the business segment and also 
serve as an ISP in providing services to the business market. According to the 
Hearing Document, the approval of the applications will be granted while setting 
conditions (including approval to market a Reverse Bundle Service for a limited 
period  of  5  years  or  to  up  to  400k  end  subscribers,  whichever  is  earlier,  equal 
marketing  with  access  providers  and  end  subscribers,  as  well  as  maintaining 
structural separation obligations and the prohibition of preference), in a way that 
would contribute to increased competition in the landline infrastructure market and 
while reducing gaps compared to the regulation applied to IBC's competitors. The 
Hearing Document also stated that since the State’s decision stipulates that IBC 
will only deal with licensees and not directly with private consumers (except for 
large business customers with the approval of the Minister of Communications), 
as long as the recommendations in the hearing are finalized, the State’s decision 
will need to be amended, and appropriate amendments to the IBC license will be 
required. On February 3, 2020, Bezeq submitted its reference, focusing on (1) the 
significant gap between the purpose on which the IBC project was established 
and  the  state  of  affairs  at  the  current  point  in  time,  cumulatively.  According  to 
Bezeq's  position,  in  this  state  of  affairs  it  is  not  possible  to  continue  to  act  by 
providing  additional  relief  to  IBC.  (2)  In  that  it  turns  out  that  the  deal  to  sell 
Cellcom's fiber network to IBC and IBC's alleged reliance on that network as a 
primary platform for meeting its license terms and providing Internet services to 
end customers fundamentally change the rules of the game. Bezeq believes that 
since at the present point in time, the details of the transaction and its meanings 
are  not  fully  visible  to  Bezeq  and  are  not  mentioned  at  all  in  the  Hearing 
Document, it is not possible to hold a hearing without receiving full and complete 
information in this matter. Accordingly, Bezeq requested the full information and 
the Ministry's reference to the new circumstances that the Ministry claims have 
been  created.  It  was  further  clarified  that  in  this  state  of  affairs,  and  prior  to 
receiving the requested details and clarifications, any move offering changes and 
benefits to IBC is invalid, lacks transparency and is not accepted or implied on 
the  basis  of  complete  information.  In  a  hearing  dated  December  15,  2020 
regarding  a  change  of  regulation  following  Hot's  request  for  approval  by  the 
Minister of Communications to acquire control and means of control in IBC (see 
below), it was stated that as long as the request is approved, it is proposed not to 
change  the  existing  regulation  that  applies  to  IBC  regarding  its  activity  in  the 
"suppliers’  supplier"  format,  and  to  shelve  the  format  detailed  in  the  hearing 
above. 

To the best of Bezeq's knowledge, the acquisition of control of IBC by Cellcom 
and another investor (Israel Infrastructure Fund) was completed on July 31, 2019, 
in  which  Cellcom  sold  the  fiber-optic  infrastructure  to  IBC.  Also,  to  the  best  of 
Bezeq's  knowledge,  after  an  investment  agreement  was  signed  in  September 
2020 under which Hot will enter into a partnership in the IBC fiber venture and an 
IRU agreement between Hot and IBC under which Hot will acquire the right to use 

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the infrastructure to be established by IBC, at the beginning of 2021 the approvals 
of  the  Competition  Commissioner  and  the  Ministry  of  Communications  were 
received so that after the merger IBC is owned by the Israel Electric Corporation 
(30%) and by HOT, Cellcom and the Israel Infrastructure Fund (23.3% each). In 
addition,  the  Ministry  of  Communications  made  an  amendment  to  the  HOT 
license, which allows, among other things, the marketing of a shared basket of 
services on the IBC network and the IBC license, which requires it to submit to 
the Ministry for approval a shelf offer to purchase its services (in IRU format) at a 
reduced rate. 

2.6.3.6 

Licensing  for  new  operators  for  the  prvoisoin  of  Internet  access 

infrastructure service 

On October 13, 2020, a decision was issued by the Minister of Communications 
in a hearing (published in March 2020) in which the threshold requirements for 
obtaining a license that allows the provision of broadband infrastructure services 
were  significantly  reduced,  while  this  reduction  will  be  made  temporarily  by 
providing an option to obtain a special license (for a period of thirty-six months 
from the date of the decision) instead of a unified license. The special license will 
be granted subject to the conditions set out in the decision, including that through 
the  special  license  a  service  will  be  provided  to  no  more  than  8k  private 
subscribers and to no more than 800 network endpoints of business subscribers. 
Prima facie, Bezeq believes that in certain circumstances the Minister's decision 
may  lead  to  a  possible  harm  to  Bezeq's  business,  the  extent  of  which  Bezeq 
cannot assess at this stage. 

2.6.3.7  Regarding the announcement by the Minister of Communications as part 
of  the  draft  economic  plan  for  2020  regarding  an  examination  for  the 
reorganization of the retail Internet market in Israel, including the  elimination of 
the  separation  of  Internet  service  provision  between  infrastructure  service  and 
Internet access service (ISP) and a hearing to examine the separation between 
broadband infrastructure service and Internet access service (ISP) see sections 
1.7.2.2, 2.7.22.16.12. 

2.6.4.  The field of transmission and data communication 

In addition to Bezeq, operating in this field are mainly Cellcom and Partner, as well as ISP 
companies. 

To the best of Bezeq's knowledge, Cellcom has established a transmission network, which 
is used both for its own needs and for competition with Bezeq’s services in the transmission 
and  data  communications  market.  Partner  also  operates  in  the  field  of  providing 
transmission and data communication services, combined with telephony and Internet, to 
business customers.  

Cellcom and Partner use Bezeq's physical infrastructure as part of the wholesale service 
(see section2.16.4.3)26, inter alia, in order to compete with Bezeq in this field and / or for its 
own needs.  

Operating in this field are also infrastructure owners IBC (to the date of the report, to an 
insignificant extent) and Hot (in national but not complete deployment). These infrastructure 
owners  may  use  Bezeq's  physical  infrastructure.  In  this  matter  see  sections  2.16.4.3 
and2.6.5. 

According  to  IBC’s  license,  IBC  will  contact  the  IEC  for  the  right  to  use  its  fiber  optic 
network,  and  will  be  the  operator  of  the  network.  In  addition,  IBC  has  a  special  license 
(which  does  not  impose  a  universal  obligation)  for  the  provision  of  landline  interior  data 
communication  services,  under  which  it  is  eligible  to  provide  IPVPN  services  and 
broadband data communication lines. 

2.6.5.  Additional competing infrastructures27 

In addition, there are currently a number of infrastructures in Israel that have the potential 
to  serve  as  communications  infrastructures,  which  are  based  on  fiber  optics  and  mostly 
owned  by  companies  and  government  bodies,  such  as:  Israel  Railways,  Mekorot,  Oil 
Infrastructure Company and Trans-Israel Highway. Some local authorities are also trying 

26 Unified license owners eligible to provide NIO services are also eligible to receive wholesale service for the use Bezeq’s physical 

infrastructure.  

27 Beyond Hot and IBC infrastructure. 

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Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

to  create  an  alternative  for  laying  pipes  or  fibers  using  the  infrastructure  of  these  local 
authorities. It should be noted that the amendment of the Communications Law regarding 
the deployment of fibers and the decision of the Ministry regarding the granting of special 
licenses that allow for a limited deployment may accelerate the deployment by such bodies. 

2.6.6.  Bezeq's preparations and ways of dealing with the growing competition  

Bezeq faces competition in the landline interior Bezeq services in a number of ways: 

2.6.6.1  Bezeq 

launches  communication  services  and  new  value-added 
applications  (such  as  a  smart  home,  smart  business,  smart  complexes, 
integration  services  and  more)  as  well  as  product  and  service  packages  and 
shared  baskets  (equivalent  to  certain  baskets  marketed  by  its  competitors, 
although  under  a  detachability  limit,  see  section  1.7.2),  in  order  to  expand  the 
scope  of  use  of  subscriber  lines,  to  meet  customer  needs  and  strengthen  its 
image  of  technological  innovation.  Bezeq  is  investing  in  the  improvement  and 
modernization  of  Bezeq's  infrastructure,  in  order  to  enable  the  provision  of 
advanced services and products to its subscribers. 

Bezeq is working to introduce the high-speed Internet infrastructure service, as 
well  as  to  increase  the  number  of  its  customers  in  this  field  and  create  added 
value  for  the  customer  by  expanding  the  consumption  of  content,  leisure  and 
entertainment  applications  (see  also  sections2.2.3  and2.7.2,  including  in  the 
matter  of  fiber  deployment).  Bezeq  manufactures  and  markets  value-added 
solutions  and  services  for  quality  and  secure  browsing.  During  2019,  Bezeq 
launched a new browsing speed that meets customer needs to increase the rate 
of data upload (upload speed of up to 5Mbps). In addition, in November 2020, 
Bezeq  launched  a  browsing  package  up  to  200Mb,  using  the  35B  technology, 
under feasibility conditions. 

2.6.6.2  Bezeq is constantly working to improve the quality of its services and retain 
its customers, simplify processes and automate and adapt its operations to the 
structure of competition in its areas of activity. 

2.6.6.3  Bezeq  offers  alternative  payment  baskets  to  telephony  customers  (see 
section2.16.1.4), packages, consumption-adjusted routes and promotions. 

2.6.6.4  Bezeq  is  working  to  reduce  its  operating  expenses  and  to  focus 
investments  on  growth  activities  and  as  a  means  of  reducing  maintenance 
expenses. Despite the above, Bezeq's ability to make short- and medium-term 
adjustments to its expenses is limited due to its cost structure, which is mainly 
rigid  short-  and  medium-term  costs  (mainly  depreciation  and  payroll-related 
expenses,  as  well  as  operating  costs,  such  as  infrastructure  maintenance  and 
rental and maintenance of buildings). 

2.6.6.5  As of 2018, Bezeq has been marketing its Be router. This is an advanced 
router  with  an  innovative  design,  and  with  advanced  capabilities  that  include, 
among other things,  Smart Wi-Fi that  enables quality  and continuous  browsing 
over the home Internet, Cyber protection and preparation for a smart home. The 
router  and  services  are  managed  by  a  dedicated  app.  As  of  the  end  of  2020, 
Bezeq's  customer  base  using  the  Be  router  is  approximately  537k  customers 
(approximately  54%  of  Bezeq's  retail  Internet  customers).  Bezeq  also  markets 
products to improve the reception range of the Bspot and Be mesh home Internet 
networks, and  as of the end of 2020, about  248k units of these  products were 
marketed by Bezeq. 

2.6.7.  Main positive and negative factors affecting Bezeq's competitive position 

2.6.7.1  Positive factors  

a)  Quality  nationwide  infrastructure,  through  which  a  variety  of  services  are 

provided. 

b)  Presence in most businesses and households. 

c)  A well-known and strong brand. 

d)  Technological innovation. 

e)  High positive cash flow. 

f)  Extensive service infrastructure and diverse customer interfaces. 

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Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

g)  Professional, experienced and skilled personnel. 

2.6.7.2  Negative factors  

Bezeq believes that various restrictions that  apply to  it make  it difficult for  it to 
compete  in  its  areas  of  activity.  The  following  are  the  main  limitations  in  this 
regard: 

a)  Wholesale  market  (see  section2.16.4)  -  operating  a  wholesale  market  at 
regulated  prices,  arrangements  prone  to  intervention  by  the  regulator, 
implementation  of  a  mechanism  for  supervising  Bezeq's  retail  marketing 
offers, Expanding uses and those authorized to use Bezeq infrastructure.  

b)  Limited rate flexibility  

Bezeq is limited in its ability to provide discounts on its main services and 
offer differential rates. For this matter as well as for a hearing regarding a 
change in the rate control mechanism, see also section2.16.1. 

For the hearing on  the  prevention of "margins reduction" in the wholesale 
market, see section 2.16.4.2. 

c)  Structural separation obligation 

Regarding the  obligation  of structural separation applicable to Bezeq, see 
section1.7.2. 

d)  The universal service and fiber deployment obligation 

Bezeq has an obligation to provide service to the general public in Israel at 
a  uniform  price  (universal  service).  By  virtue  of  this  obligation,  Bezeq  is 
required to provide services even in non-economic circumstances (subject 
to the possibility of obtaining an exemption in exceptional circumstances). 
Regarding the scope of the obligation in relation to the provision of services 
on  an  ultra-broadband  fiber  infrastructure,  see  section2.7.22.16.12.  This 
obligation does not apply to unique NIO license holders, who can offer their 
services to Bezeq's profitable customers only, who constitute a substantial 
source  of  income  for  Bezeq,  and  these  companies  actually  carry  out  an 
accelerated deployment of fibers in economically viable areas. In addition, 
Hot, which has a universal service obligation, received various reliefs in the 
implementation  of  full  deployment  obligation,  significant  exemptions  and 
reliefs were granted to IBC, and Bezeq is committed to allowing Hot and IBC 
to use Bezeq's passive infrastructure. (see section2.16.4). 

e)  Restrictions  on  the  marketing  of  shared  service  packages  by  Bezeq  and 

Group companies 

See section1.7.2.2.  

f)  The nature of end equipment in landline telephony 

End  equipment  in  the  field  of  landline  telephony  does  not  have  personal 
characteristics. It is also less technologically advanced compared to cellular 
end equipment, and the range of advanced services that can be consumed 
through it is limited. 

2.7.  Fixed assets and facilities 

2.7.1.  General 

fixed  assets 

Bezeq's 
interior 
communications, real estate assets (land and buildings), computer systems, vehicles and 
office equipment. 

infrastructure  and  equipment 

include,  mainly: 

for 

2.7.2.  Infrastructure and stationary interior communications equipment  

2.7.2.1  Telephony network 

The infrastructure of Bezeq's telephony network consists of exchanges (used to switch the 
calls and transfer them from the origin to the destination), a transmission network (through 
which the connection between the exchanges takes place), data communication networks, 
an  access  network  (connecting  the  subscriber's  endpoint  to  the  subscriber),  and  end 
equipment installed with the end consumer. The connection from the end equipment to the 
access network is based on copper cables, and this copper network forms Bezeq's access 

46 

 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

infrastructure for telephony services (it should be noted that those copper cables also form 
part of Bezeq's Internet network as detailed below). Subscriber management is performed 
using a Class 5 telephony switch. During 2020, Bezeq completed the replacement of its 
telephony switch with a new switch and the conversion of all telephony customers to the 
new switch. 

2.7.2.2 

Internet 

Bezeq  has  an  NGN  network  based  on  the  core  of  an  IP  network  and  the 
deployment  of  fiber  optic  infrastructure  to  street  cabinets  (a  network  topology 
known as FTTC-Fiber To The Curb), as well as an access network (a system that 
connects  the  network  endpoint  with  the  network  subscriber)  and  engineering 
systems. The connection from the home to the access network is based on the 
copper cables (mentioned in the description of the telephony network above) and 
the connection from the access systems to the transmission network (Backbone) 
is  based  mainly  on  optical  cables.  In  addition,  some  of  the  end  equipment 
(equipment installed by the subscriber, such as routers) is owned by Bezeq and 
is rented by the customer. The NGN network can now provide, through VDSL2 
technology, bandwidths of up to 100Mbps in the downloading channel, as well as 
innovative  value-added  services.  Additional  benefits  of  this  network  are 
simplification of network structure and improved management capability. 

On July 12, 2020, the Ministry of Communications approved the use of the 35B 
technology by Bezeq (extension of xDSL technology) through which Bezeq can 
provide  rates  of  up  to  200Mb  depending  on  the  quality  of  the  copper 
infrastructure. Due to the characteristics of the technology, the deployment, which 
was completed by Bezeq, does not cover all Bezeq sites (the connection potential 
is about 350k households). 

2.7.2.3  Ultra-broadband fiber infrastructure 

Bezeq is expanding the deployment of infrastructure, including, starting in 2013, 
deploying optical fibers so that they reach as close as possible to the customer's 
premises  (FTTH  /  FTTB),  as  a  basis  for  the  future  provision  of  advanced 
communication  services  and  larger  bandwidths  than  those  provided  to  its 
customers today, among other things, on the basis of new technologies that use 
the copper cables in the customer's premises. 

The main advantage of optical fiber over copper is the ability to transmit at higher 
rates. There are also operational advantages that are insignificant compared to 
this advantage. In the past, Bezeq froze the deployment of fiber to the customer's 
premises until an appropriate arrangement due to the lack of certainty required 
for  the  existence  of  a  business  plan  with  economic  sustainability,  on  the  one 
hand, and the lack of economic justification for Bezeq to launch the service on 
the other. The deployment of fiber by Bezeq's competitors increases competition 
and  adversely  affects  Bezeq.  However,  Bezeq  estimates  that  due  to  the 
operational advantages it holds and especially the access to a professional and 
skilled  workforce,  and  the  beginning  of  the  execution  of  the  fiber  project  as 
detailed below, it will remain in the lead in the medium and long term. 

On September 14, 2020 (in light of developments in the matter and further to the 
State’s  approval  prior  to  the  legislative  procedures  detailed  in  section  2.16.2), 
Bezeq's  Board  of  Directors  approved  the  launch  of  the  Bezeq  plan  for  the 
deployment of ultra-broadband landline infrastructure (“the Fiber Project"). The 
Fiber Project is a complex and resource-intensive project that involves significant 
investments  of  billions  of  NIS  by  Bezeq  over  the  years  of  the  project  and  is 
expected to include a massive deployment of fiber optics throughout  Israel that 
will allow ultra-fast Internet services. It should be noted that up to that date, Bezeq 
had deployed fibers directly to about 120k buildings and in certain areas to a point 
in  the  center  of  a  group  of  buildings,  with  a  total  connection  potential  of  up  to 
about  1.5  million  households  and  businesses.  Following  the  above-mentioned 
Board  decision,  Bezeq  began  deploying  fiber  to  buildings,  including  deploying 
vertical GPON equipment in buildings, and on March 14, 2021, Bezeq announced 
the launch of services to its customers on its fiber optic network. Bezeq's fiber 
network, which has been deployed as of this date, covers about a quarter of a 
million households throughout Israel, and the Company estimates that by the end 
of 2021 it will cover about one million households, constituting about 40% of all 
households in Israel. 

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Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

Some of the information contained in this section is forward-looking information, 
as defined in the Securities Law, which is based on the Company's assessments, 
assumptions  and  expectations,  and  may  vary  depending  on  regulatory 
developments  and  decisions,  technological  developments,  communications 
market developments and technical and other difficulties in the implementation of 
the plan. 

2.7.3.  Computing  

Bezeq's  computing  system  supports 
four  main  areas:  marketing  and  customer 
management,  Bezeq's  engineering  infrastructure,  Bezeq's  resource  management  and 
lateral systems. 

Bezeq's  computer  system  is  a  large  and  complex  system,  which  supports  critical  work 
processes and handles very large volumes of data. This system consists of a large number 
of systems, some are information systems whose  development began  many years ago, 
and some of which are modern systems developed and implemented in recent years. Most 
systems operate in open computing environments. 

2.7.4.  Real estate 

2.7.4.1  General 

Bezeq has real estate assets from two sources: assets transferred to Bezeq by 
the State in 1984 as part of the asset transfer agreement (see section 2.17.1.1), 
and assets in which rights were acquired or received by Bezeq after this date, 
including assets that it leases from third parties.  

The  real  estate  assets  are  used  by  Bezeq  for  communications  activities 
(switchboards,  concentration  rooms,  broadcasting  sites,  etc.)  and  for  other 
activities (offices, warehouses, etc.). Some of Bezeq's assets are undeveloped 
or partially developed assets, which can be utilized further. 

Below is a list of Bezeq assets in accordance with the nature of the rights in the 
asset. In addition, Bezeq has easements (passage rights, etc.) in other real estate 
(such as for the purpose of setting up transmitters and laying cables): 

The 
essence of 
the right 

Number 
of assets 

Ownership, 
lease or 
right to lease 

Approx. 
304 

Lot area 
(sqm. 
thousand
s) 

Approx. 
849 

Built-up 
area (sqm. 
thousands) 

Approx. 101 

Possession 
(authorized 
by right / 
right of 
possession 
according to 
law) 
rent 

Various 
rights in 
"concentrati
on rooms" 

Approx.  
40 

Approx.  
1.5 

Approx. 0.8  

Approx. 
332 

Approx. 
30.6 

Approx. 63 

Approx. 
2,428 

Irrelevant 

Approx. 26.6 
(based on 
an estimate) 

2.7.4.2  Registration 

48 

Notes 

From  this,  approx..  300  field  assets  in  the  area 
approx.  820k  thousand  sqm.  of  plots,  approx.  80k 
sqm.  built-up  are  assets  for  communication  needs 
and the rest are for administrative needs. 
Approx.  14  assets  shared  with  the  Ministry  of 
Communications and / or the Israel Postal Company 
Ltd.,  with  which  an  agreement  was  signed  for  the 
definition and regulation of the parties' rights in these 
properties  (see  section2.17.1.3).  The  parties  act  as 
required by the provisions of the agreement, and inter 
alia,  for  the  separation  of  charges  and  shared 
systems. 
Properties in Israeli localities in Judea and Samaria, 
all for communication purposes. There is no written 
series  of  contractual  rights,  but  in  Bezeq's  opinion 
this does not create material exposure. 

Approx. 316 assets, of which a built-up area of about 
15k sqm. are for communication needs and the rest 
for administrative needs. Approx. 2k sqm. built-up of 
which are sublet. 
rooms  and 
These  are  cable 
neighborhood communication needs. 
As  for  most  of  the  properties,  this  is  a  right-of-use 
granted 
the 
Communications  Law  and  regulations  thereunder, 
and  there  is  no  written  rights  arrangement  with  the 
asset owners. In Bezeq's opinion and based on past 
experience, this does not create material exposure. 

in  accordance  with 

to  Bezeq 

facilities 

for 

 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

As of the date of publication of the periodic report, Bezeq's rights in a significant 
portion  of  its  real  estate  assets  are  not  registered  with  the  Land  Registry,  and 
therefore are contractual rights. Bezeq is in the ongoing process of registering in 
its name the real estate assets that can be registered with the Land Registry. 

2.7.4.3  Settlement agreement regarding the real estate 

ILA)  and 

Israel  Land  Administration  (now 

On March 10, 2004, an agreement signed on May 15, 2003 between Bezeq and 
the  State  ("Settlement 
the 
Agreement") regarding most of the real estate assets which were transferred to 
Bezeq as part of the transfer agreement signed prior to the beginning of Bezeq's 
business operations was given the validitiy of a ruling. The Settlement Agreement 
stipulated that the assets remaining with Bezeq are in the status of a capitalized 
lease,  and  subject  to  the  signing  of  individual  lease  contracts,  Bezeq  will  be 
entitled  to  carry  out  any  transaction  in  the  assets,  as  well  as  to  carry  out 
improvement  operations  in  them.  The  agreement  stipulates  a  mechanism  for 
payment to ILA for improvement actions to be performed on the assets (if any) 
beyond rights under plans approved until 1993 as stipulated in the agreement, at 
a  rate  of  51%  of  the  increase  in  value  of  the  asset  following  the  improvement 
actions  (and  deducting  some  of  the  amounts  to  be  paid  in  respect  of  an 
improvements levy or to the Administration in respect of an increase in value, if 
an improvements levy is paid). The Settlement Agreement also stipulates that 17 
assets will  be returned to the State, through ILA, on  various dates (until 2010) 
and under the conditions set forth in the Settlement Agreement. 

As  of  the  date  of  publication  of  this  periodic  report,  Bezeq  returned  to  ILA  15 
assets.  Two  additional  assets  will  be  returned  to  ILA  after  Bezeq  receives 
alternative assets in their place in accordance with the Settlement Agreement.  

2.7.4.4  Real estate exercise 

General 

Subject to the approval of the Board of Directors, Bezeq continues to act for the 
sale of assets that are inactive and / or that can be vacated relatively easily and 
without significant expenses, in accordance with the lists presented to the Board 
from time to time. The move to the NGN network made it possible for Bezeq to 
streamline  the  structure  of  the  network  and  exercise  some  of  the  real  estate 
assets that were evacuated as a result of the move to this network. 

In recent years, Bezeq has sold real estate that was inactive or could have been 
relatively  easily  vacated  while  recording  capital  gains  on  these  sales,  which  in 
some years were significant (during 2020,  Bezeq sold real estate for a total of 
approximately NIS 16.5 million.  

Bezeq has completed the sale of most of the assets (in terms of value) that met 
the aforesaid definition and intends to complete the sale of the balance of such 
assets  in  the  coming  years.  The  sale  of  the  balance  of  such  assets  may  yield 
Bezeq additional capital gains in substantial amounts (although in a significantly 
lower  amount  than  the  cumulative  amount  of  capital  gains  that  Bezeq  has 
recorded in recent years). 

It should be emphasized that the aforesaid also applies to real estate assets for 
the  sale  of  which  a  concrete  decision  has  not  yet  been  made  and  there  is  no 
certainty as to the timing of their sale, if any. Also, the sale of some assets may 
involve difficulties, including circumstances of lack of demand or various planning 
constraints. 

In light of the aforesaid, it should be emphasized that Bezeq's assessments as 
aforesaid are forward-looking information as defined in the Securities Law, which 
may  not  materialize  or  materialize  in  a  materially  different  manner  than 
anticipated.  These  assessments  are  based,  among  other  things,  on  Bezeq's 
assessments of the value of the real estate assets it owns in relation to their book 
value, since Bezeq does not have appraisals in relation to some of the assets, or 
Bezeq's appraisals are not up-to-date, therefore, the assessments are also based 
on Bezeq's internal  estimates, and  in  light of  Bezeq's  inability to anticipate the 
amount of consideration actually paid in respect of the assets to be sold (if and 
to the extent that they are sold). 

The asset in Sakia 

49 

 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

On January 21, 2018, Bezeq entered into an agreement for sale of the asset in 
Sakia (property near the Mesubim junction where Bezeq had a discounted lease 
right)  to  Migdalei  Naimi  Ltd.  On  May  5,  2019,  the  transaction  was  completed, 
when the total consideration received by Bezeq for the asset (including linkage 
differences  and  interest  in  accordance  with  the  provisions  of  the  agreement) 
amounted to NIS 511 million, plus VAT. 

On May 21, 2018, Bezeq received a demand from ILA for the payment of a permit 
fee  in  the  amount  of  NIS  148  million  plus  VAT,  in  respect  of  a  property 
improvement  plan  approved  prior  to  the  signing  of  the  agreement  (“the 
Demand"). On January 20, 2019, ILA rejected all of Bezeq's claims in the legal 
attainment, however, the parties conducted contacts within the framework of the 
dispute resolution mechanism set forth in the Settlement Agreement. At the same 
time,  Bezeq  submitted  an  appraisal  contention  on  the  Demand.  On  August  5, 
2018,  Bezeq  received  a  demand  from  the  Or  Yehuda  Local  Planning  and 
Construction Committee to pay an improvements levy in the amount of NIS 143.5 
million due to the sale of the asset by way of a sale ("the Improvements Levy 
Demand”).  On  September  17,  2018,  Bezeq  filed  an  appeal  against  the 
Improvements  Levy  Demand,  and  sent  ILA  a  demand  for  payment  of  the  full 
improvements  levy  in  accordance  with  the  Authority's  obligation  under  the 
Settlement Agreement. On January 20, 2019, ILA rejected Bezeq's demand for 
payment of the said improvement levy. Upon completion of the sale transaction 
as  stated  above  and  receipt  of  the  full  consideration,  Bezeq  paid  half  of  the 
improvements  levy  in  the  amount  of  NIS  75  million  and  provided  a  bank 
guarantee for the other half of the levy, without detracting from or harming the 
proceedings that Bezeq has taken or will take in order to cause the cancellation 
or reduction of this levy. It should be noted that the amount of the permit fee to 
be determined at the end of the proceedings can also affect the amount of the 
improvements  levy  that  Bezeq  will  have  to  pay  to  the  Planning  Committee.  In 
Bezeq's estimation, the amount of the permit fee and the improvements levy that 
it will be required to pay is expected to be low and may even be significantly lower 
than the total amount of the demands. Following Bezeq's request, an attempt was 
made between it and the Accountant General's Division of the Ministry of Finance 
and  the  Israel  Land  Authority  in  early  2020  to  clarify  and  resolve  the  above 
disputes within the framework of the dispute settlement mechanism set forth in 
the  settlement  agreement.  In  March  2021,  Bezeq  received  a  notice  from  the 
Accountant  General  and  the  Israel  Land  Authority  that  given  the  significant 
differences in positions between the parties that do not seem to be possible to 
bridge, they accept the Company's request to end the dispute resolution process 
and allow the dispute to be transferred to the courts. Under these circumstances, 
Bezeq  intends  to  file  a  claim  against  the  Israel  Land  Authority,  as  soon  as 
possible, for the return of the full amount of money  it paid as a permit fee and 
improvements  levy.  In  its  financial  statements  for  the  second  quarter  of  2019, 
Bezeq recorded a capital gain of NIS 403 million. The capital gain recorded as 
aforesaid  is  on  the  basis  of  Bezeq's  assessment  regarding  the  amount  of  the 
permit fee and the improvements levy that it will be required to pay as aforesaid. 
To the extent that Bezeq’s aforesaid estimates do not materialize, the final capital 
gain  will  range  from  approximately  NIS  250  million  to  approximately  NIS  450 
million. For this matter see also Note 6.6 to the 2020 statements. 

The information contained in this section regarding Bezeq valuations and capital 
gains as a result of the sale of the asset is forward-looking information as defined 
in this term in the Securities Law, and is based, inter alia, on the above as well 
as  on  Bezeq's  assessments  of  Bezeq's  claims  regarding  the  payment  of  the 
requirements. The information may not fully materialize as long as the said Bezeq 
assessments take place in a manner different than expected. 

Sale of a Bezeq asset at 8 Harakevet Street in Tel Aviv 

On  February  25,  221,  Bezeq  entered  into  an  agreement  for  the  sale  of  a  real 
estate asset located at 8 Harakevet Street, Tel Aviv ("the Asset") to the Azrieli 
Group  Ltd.  ("The  Buyer")  in  exchange  for  a  total  amount  of  NIS  180  million  + 
VAT. It should be noted that the Asset was jointly owned by Bezeq and the Israel 
Postal Company and that the sale transaction includes the purchase of the Israel 
Postal  Company’s  share  by  Bezeq  and  the  sale  of  this  share  together  with 
Bezeq's share to the Buyer. The full consideration was paid by the Buyer at the 

50 

 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

time  of  signing  the  agreement28.  Bezeq  is  expected  to  record  in  its  financial 
statements for the first quarter of 2021 a capital gain in the amount of NIS 125 
million before tax for the sale of the Asset (after deducting the cost of purchasing 
the  Israel  Postal  Company’s  share,  purchase  tax,  expenses  and  reduced  cost 
value to Bezeq). 

The information contained in the above paragraph regarding the registration of 
capital gain as a result of the sale of the Asset is forward-looking information as 
this term is defined in the Securities Law and is based, inter alia, on the above 
and  on  Bezeq  estimates  regarding  completion  of  the  agreement,  transaction 
costs, taxes and levies in respect thereof, as well as various costs to Bezeq in 
connection with the Asset. The information may not fully materialize as long as 
the said Bezeq assessments take place in a manner different than expected. 

Bezeq moving its headquarters  

In October 2020, Bezeq vacated the Bezeq headquarters offices in Azrieli Towers 
in  Tel  Aviv  and  moved  to  its  new  offices  at  7  HaManor  Street  in  Holon.  In 
accordance with the lease agreement signed in December 2018, Bezeq leases 
areas in the amount of approximately 20k sqm. for a period of 10 years, which 
can be extended for a number of additional periods. 

2.8.   Intangible assets  

2.8.1.  Bezeq's NIO license 

Bezeq operates under an NIO license, which, among other things, forms the basis for its 
activity in the field of landline interior communications (for a description of the main points 
of the NIO license, see section2.16.2).  

2.8.2.  Trademarks 

Bezeq  uses  trademarks  that  characterize  its  services  and  products.  As  of  the  date  of 
publication of the periodic report, approximately 200 trademarks are registered in Bezeq's 
name, or are in the process of being registered with the Registrar of Trademarks. The main 
trademarks are Bezeq – Bezeq’s name and "B" – Bezeq’s logo. Also, Bezeq registered a 
patent for Bezeq’s Be router and the new Be router. 

2.9.  Human capital 

2.9.1.  Organizational structure and employee base according to organizational structure 

The following is a diagram of Bezeq's general organizational structure as of December 31, 
2020: 

28 The full consideration except VAT has been deposited in trust to secure various liabilities of Bezeq, the trustee will 

transfer to Bezeq the trust funds in accordance with the provisions of the agreement. 

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Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

Board of 
Directors

CEO

Management 
(without 
directors) 
)32( 

Internal 
Auditor*

Corporate 
Communications

Legal 
Counsel

Group Secretary 
and Internal 
Compliance 
Office 

Headquarters 
Division
( 
540

)

Regulation 
Division

Finance 
Division 

Marketing 
and 
Innovation 
Division 

Operations 
and 
Logistics 
Division

Human 
Resources 
Division 

Technology 
and Network 
Division

Business 
Division

Private 
Division

( 

1564

)

( 

2553

)

*Until December 10, 2020, was organizationally subordinate to the CEO and from that date 
was organizationally subordinate to the Chairman of Bezeq’s Board of Directors. 

2.9.2.  Number of Bezeq employees and employment frameworks 

The  number  of  employees  at  Bezeq  as  of  December  31,  2020  was  5,408  employees 
(compared  to  5,256  employees  at  the  end  of  2019).  The  increase  in  the  number  of 
employees was mainly due to the absorption of infrastructure workers and technicians in 
favor  of  the  fiber  project  (see  section  2.7.2.3).  About  92%  of  Bezeq  employees  are 
employees employed under collective agreements (of which approximately 59% of Bezeq’s 
employees are permanent employees and the rest are non-permanent employees). The 
rest of Bezeq’s employees (approximately 8%) are employed under individual agreements 
not within the framework of the collective agreements. 

For  details  regarding  the  special  collective  agreement  from  December  2006  and  its 
amendments, see section2.9.4. 

2.9.3.  Early retirement plans for employees 

During  a  2020,  98  permanent  Bezeq  employees  retired  in  accordance  with  the  early 
retirement plan. 

On  December  16,  2018,  Bezeq's  Board  of  Directors  approved,  among  other  things,  a 
provision for an early retirement plan, until the end of the collective agreement period (end 
of  2021),  for  all  Bezeq  employees  transferred 
to  Bezeq  from  the  Ministry  of 
Communications ("Transferred Employees") (94 employees) retiring in 2020 and 2021. 

On  December  10,  2020,  as  part  of  the  implementation  of  Bezeq's  streamlining  plan, 
Bezeq's Board of Directors approved the retirement of approximately 50 veteran permanent 
employees in the early retirement track at a total cost of approximately NIS 68 million. In 
light of the aforesaid, Bezeq recorded in its financial statements for the fourth quarter of 
2020 an expense in the amount of NIS 65 million. It should be clarified that this retirement 
is in addition to the retirement plan of Transferred Employees as stated above. 

For this matter see also Note 17.5 to the 2020 statements.  

2.9.4.  The nature of the employment agreements with Bezeq  

The  employment  relationship  with  Bezeq  is  regulated  in  collective  agreements  signed 
between  Bezeq  and  the  representatives  of  Bezeq  employees  and  the  Histadrut,  and  in 
individual agreements. Bezeq employees are also subject to extension orders for certain 
general collective agreements, such as cost increase agreements. 

52 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

In  December  2006,  following  the  transfer  of  control  of  Bezeq  from  the  State  of  Israel  to 
AP.SB.AR Holdings Ltd. (the former controlling shareholder in Bezeq), a special collective 
agreement was signed between Bezeq and the employees’ organization and the Histadrut 
that regulates labor relations in Bezeq (see section 2.9.1). The following are the main points 
of the collective agreement and the amendments to it that have been signed over the years 
(jointly referred to as "the Agreement" in this section): 

According to the Agreement, all existing agreements, arrangements and practices at Bezeq 
on the eve of the signing of the Agreement, including the wage linkage mechanism for the 
public sector, will continue to apply only to Bezeq's veteran permanent employees, to whom 
the  Agreement  applies,  subject  to  changes  explicitly  included  in  the  Agreement.  The 
employment of existing and new temporary employees will be carried out on the basis of 
monthly  /  hourly  wage  agreements  based  on  a  market  wage  model  by  occupation,  with 
high  managerial  flexibility.  The  Agreement  set  limits  on  certain  types  of  future 
organizational changes, as well as a mechanism for notification, dialogue and arbitration 
with the employees’ organization in the event of organizational changes. 

According to the Agreement, during the period of validity of the Agreement, two directors 
from  among  the  employees  will  serve  on  Bezeq's  Board  of  Directors29  which  will  be 
proposed by the employees' organization (subject to the approval of their identity by the 
Chairman of the Board and their election to the general meeting). The directors from among 
the  employees  will  not  be  entitled  to  payment  for  their  office  as  directors  and  will  not 
participate in Board discussions regarding the terms of employment of senior executives. 

The status of "new permanent employee" has been defined, whose terms of employment 
are  different  from  Bezeq's  veteran  permanent  employee  (according  to  the  collective 
agreement):  his  salary  model  will  be  in  accordance  with  Bezeq's  salary  policy  in 
accordance with market wages. Upon termination of his employment with Bezeq, he will 
be entitled to an increased severance track only (in accordance with seniority). 

As part of the retirement arrangements, Bezeq will be entitled to terminate at its discretion 
the employment of up to 203 permanent employees (including a new permanents) each 
year (the figure is relevant for the years 2017-2021).  

On December 16, 2020, an amendment (No. 6) was signed to the  Agreement, the main 
points of which are: 

2.9.4.1  Amendment  and  extension  of  the  collective  agreement  until  31.12.2025 
and the retirement arrangement in the collective agreement until 31.12.2026. 

2.9.4.2  As  part  of  its  retirement  arrangements,  Bezeq  may,  at  its  discretion, 
terminate  the  employment  of  up  to  80  permanent  employees  (including  a  new 
permanent) each year (in addition to the retirement quota of approximately 300 
permanent employees remaining from the previous agreement, which Bezeq may 
terminate at the end of the agreement).  

2.9.4.3  The  estimated  cost  of  the  Agreement,  not  including  the  retirement  of 
employees subject to Bezeq's discretion (but including the additional retirement 
cost of Transferred  Employees) is approximately NIS 65 million throughout  the 
period of the Agreement. 

For a list of other material agreements in the field of labor relations, see section 2.17.2. 

2.9.5.  Labor disputes 

Upon signing the amendment to the collective agreement as specified in section 2.9.4, the 
collective conflict that was declared on January 23, 2019 ended. 

2.9.6.  Officers and employees of Bezeq's senior management 

As  of  the  date  of  publication  of  the  periodic  report,  Bezeq  has  8  directors  (out  of  a 
composition of 9 directors decided by the  Board of Directors), of which two are external 
directors, one independent director (who is not an external director) and 5 directors who 
are  not  independent  directors  (including  one  director  from  among  the  employees).  In 
addition, Bezeq has 10 senior management members.  

As of August 27, 2020, Mr. Gil Sharon has served as Chairman of the Board of Directors, 

29   At the beginning of 2016, the employees' representation announced that it agrees that as long as up to 15 directors serve on 
Bezeq’s  Board  of  Directors,  one  representative  from  among  the  employees  will  serve  on  the  Board,  and  as  the  number  of 
directors exceeds 15, another representative from among the employees will serve on the Board. 

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after the former Chairman of the Board of Bezeq, Mr. Shlomo Rodav, resigned on June 22, 
2020. (In the period between June 23, 2020 and August 16, 2020, independent director Mr. 
David Granot, served as interim Chairman of the Board). 

Senior management members are employed under personal agreements that include, but 
are not limited to, pension coverage, payment of  target-based bonuses and early notice 
months upon retirement.  

For details regarding benefits for officers, see Section 7 of Chapter D of this periodic report 
and Note 29 to the 2020 statements.  

On  May  23,  2019,  the  general  meeting  re-approved  Bezeq's  remuneration  policy  in 
accordance with Article 267A of the Companies Law, including  the update thereof, for a 
period of 3 years, starting on January 1, 2019.  

on  June  2,  2020  the  general  meeting  of  Bezeq’s  shareholders  approved,  inter  alia, 
amendment to the letters of indemnification and exemption granted to Bezeq's officers and 
directors who serve at Bezeq and / or who will serve at Bezeq from time to time (including 
those who are Bezeq's controlling shareholders and / or relatives and / or  offciers in the 
controlling shareholders' companies), as well as amendments to Bezeq's regulations and 
its Remuneration Policy.  

On May 14, 2020, the  general meeting of Bezeq's shareholders approved, among other 
things, additional amendments to the Remuneration Policy of Bezeq's officers as detailed 
in Bezeq's immediate reports of April 2, 2020 and May 14, 2020 regarding the convening 
and results of the meeting included in this report. 

On December 10, 2020, Bezeq's Board of Directors approved a capital compensation plan 
(“the Plan") under which options will be allotted which are exercisable into up to 84,000,000 
ordinary shares, constituting approximately 2.94% of Bezeq's issued and paid-up capital 
fully diluted after exercise, for which an outline was published on December 12, 2020 (as 
amended on January 14, 2021) ("the Outline"). As part of the approval, an allocation of up 
to 58,735,000 options was approved for up to 117 executives, managers and employees 
in Bezeq and in the subsidiaries, including Bezeq's Chairman of the Board and Bezeq's 
CEO,  by virtue of  the  outline  and a material private  offer report. On February  10,  2021, 
Bezeq's Board of Directors approved the allocation of up to 2,730,000 additional options 
by virtue of the Outline to 4 Bezeq officers and / or employees (including an officer expected 
to be appointed at Bezeq and who has not yet taken office as of the date of the report), 
subject, inter alia, to the approval of the stock exchange of the listing for trade of the shares 
that will result from the exercise of the options, which have not yet been received as of the 
date of the report. 

Also on January 18, 2021, the general meeting of Bezeq shareholders approved: 

A. 
Increasing Bezeq's registered share capital by 24,485,753 ordinary shares of NIS 
1  par  value  each,  in  order  to  enable  future  allocation  of  capital  remuneration  up  to  the 
maximum possible volume for allocation under the Plan.  

B. 
Mr. Gil Sharon's term of office and employment as Chairman of Bezeq's Board of 
Directors, which will apply retroactively from August 27, 2020, and the effective date of his 
entry into office (including the allocation of 12,000,000 options in accordance with the Plan).  

C. 
with the Plan.  

Allocation to Mr. Dudu Mizrahi, CEO of Bezeq, of 9,000,000 options in accordance 

D. 

Amendments and updates to Bezeq's Remuneration Policy. 

For further details on this matter, see Bezeq's amended immediate reports dated January 
14, 2021 regarding the convening of a special general meeting of Bezeq's shareholders 
and regarding an outline for the issuance of options to employees included in this report by 
way of reference. 

2.10. Equipment and suppliers 

2.10.1. Equipment 

The  main  equipment  used  by  Bezeq  is:  exchanges,  communication  cabinets  (MSAG), 
copper cables, optical cables, transmission equipment, data communication systems and 
equipment, servers, routers and Internet modems. Bezeq purchases most of the equipment 
needed  for  its  communications  infrastructure  from  Israeli  companies  associated  with 
manufacturers  of  communications  equipment  from  around  the  world.  Bezeq  purchases 
hardware and software from a number of major suppliers. 

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2.10.2. Rate of purchase from major suppliers and the form of contact therewith 

Bezeq sees as a "major supplier", for the purposes of Article 23 of the First Schedule to the 
Prospectus  Details  Regulations,  a  supplier  whose  scope  of  Bezeq's  annual  purchases 
exceeds 5% of the Group's total annual purchases and the volume of purchases from which 
out of the total volume of purchases in the field of activity exceeded 10%. 

During 2020, Bezeq had no major supplier as defined above. 

2.10.3. Dependence on suppliers 

Most  of  the  equipment  purchased  in  the  fields  of  data  communications,  branding, 
transmission  and  radio  systems  is  unique  equipment  and  throughout  all  its  years  of 
operation the possibility of receiving support, other than from the manufacturer, is limited. 

In Bezeq's opinion, given the importance of the manufacturer's support for certain systems 
used by Bezeq, it may be dependent on the following suppliers: 

Supplier name 
Nokia 
Solutions 
Networks Israel Ltd. 

and 

Juniper Networks 
Cisco / BroadSoft 
Dialogic  Networks  (Israel) 
Ltd. 
Adtran Holdings Ltd. 
IBM 

VMware 

Hits Telecom Ltd. 

Field 
Metro transmission and network access systems - 
NGN  
(It should be noted that GPON equipment for the 
fiber  network  was  also  purchased  from  the 
supplier. This is equipment that has not yet been 
activated as of the date of publication of the report, 
but  when  it  is  activated,  Bezeq  may  also  be 
dependent on the supplier in this field) 
Metro transmission 
Subscriber switches 
Transition switchboards for linking operators to the 
Bezeq switching network 
Network access systems - NGN 
Hardware and solutions for backups, restorations 
and  system  and 
infrastructure  survivability, 
storage equipment 
Infrastructure for most  of  the server  virtualization 
system 
Be Router 

Agreements  with  suppliers  on  which  Bezeq  may  have  a  dependency  as  stated  in  this 
section usually include a warranty period for a period of time and under the conditions set 
forth  in  the  agreements,  followed  by  another  period  of  maintenance  or  support.  If 
necessary, Bezeq may enter into an agreement with the supplier for the provision of support 
and / or maintenance services for an additional period of time. As a rule, these agreements 
will include various remedies to Bezeq in the event of a breach of the agreement by the 
supplier. Usually, at the time of contracting with these providers, the contract is long term. 

2.11. Working capital 

For details regarding Bezeq's working capital, see Section 1.4 of the Board of Directors' Report.  

For information on investments in investee companies, see Note 13 to the 2020 statements, and also 

2.12. Investments 
see sections 3 and 4 of Chapter D of this periodic report.  
2.13. Funding 

2.13.1. The average and effective interest rate on loans 

As of December 31, 2020, Bezeq is not financed by short-term credit (less than a year). 
The following is the distribution of long-term loans (including current liabilities):  

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Loan 
period 

Source of 
funding 

The 
principal 
amount 
(NIS 
millions) 

Long-
term 
loans 

Banks 

1,113 

Non-
banking 
sources 

Non-
banking 
sources 
Non-
banking 
sources 

71 

3,971 

3,189 

Currency 
or linkage 
type 

NIS 
unlinked 

NIS 
unlinked 

NIS 
unlinked 

CPI-
linked 
NIS 

Type of 
interest rate 
and change 
mechanism  

Average 
interest 
rate 

Effective 
interest rate 

Interest 
rate range 
in 2019 

Fixed 

3.49% 

3.64% 

Variable on 
the basis of 
the short-
term loan 
interest rate 
per year * 

1.43% 

1.51% 

Fixed 

3.10% 

3.19% 

Fixed 

1.92% 

1.95% 

3.20% -
5.30% 

1.43% -
1.54% 

3.20% -
5.25% 

1.70% -
3.70% 

* Yield of the short-term loan for the year (212) - minus 0.00200% (average of the last 5 trading 

days of February 2021) for the interest period that began on March 1, 2021. 

For more details about Bezeq loans, see Note 14 to the 2020 statements. 

2.13.2. Credti receipt limitations 

2.13.2.1  Limitations included in Bezeq loans 

See Note 14 to the 2020 statements. As of the date of the financial statements, 
as  well  as  the  date  of  publication  of  this  periodic  report,  Bezeq  meets  all  the 
restrictions that apply to it.  

2.13.2.2  Restrictions of the Bank of Israel related to a single borrower and a group 

of borrowers 

The  directives  of  the  Supervisor  of  Banks  in  Israel  include  restrictions  on  the 
liability  of  a  borrower  and  a  group  of  borrowers  towards  the  banks.  The 
Supervisor of  Banks’  instructions may from time to  time influence the ability of 
banking  corporations  to  grant  additional  credit  to  Bezeq.  Regarding  the 
authorization to set restrictions on the provision of credit to a business group in 
the Centralization Law, see section 1.7.4.7.  

2.13.3. Reportable credit  

As of December 31, 2020, Bezeq's reportable credit, in accordance with legal position 104-
15 of the Securities Authority (reportable credit incident) is Bezeq's bonds from series 6, 9, 
10, 11 and 12, all as specified Note 14 to the 2020 statements and in section 4 of the Board 
of Directors’ report. 

2.13.4. Amounts of credit received during the reporting period 

For  details  regarding  the  credit  received  during  the  reporting  year  through  a  private 
placement of tradable bonds, see section 2.13.5. 

On April 7, 2020, Bezeq published a prospectus of registration for trading and unblocking 
of  Bezeq  bonds  (Series  11  and  12)  and  a  shelf  prospectus  (dated  April  8,  2020)  (“the 
Prospectus"). Further, pursuant to section 2.1.2 of the prospectus and in accordance with 
the provisions of section 2.3 (e) of the trust deeds for Bezeq's  bonds (Series 11 and 12) 
dated July 10, 2019, on April 26, 2020, these bonds, which were originally listed for trading 
in the "Institutional Sequence" system  of the TASE, were delisted from trading from this 
system and listed for trading on the TASE's main list. 

On May 27, 2020, Bezeq completed a placement according to a shelf offer report from May 
26, 2020, which was published according to the Prospectus, of Bezeq's bonds (Series 11 
and 12) by expanding the series listed for trading on the Stock Exchange's main list. In this 
framework, 231,906,000  bonds (Series 11) in exchange for an amount of approximately 
NIS 243,919,000 million and 470,000,000 bonds (Series 12) in exchange for an amount of 
approximately NIS 480,481,000 were issued. 

It should be noted that during 2020, Bezeq made two early repayments of private loans 
(from an institutional body and a bank) in the total amount of NIS 860 million (principal). 

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2.13.5. Bezeq's bonds 

For details regarding the bonds issued by the Company and by Bezeq see Note 14 to the 
2020 statements and Section 4 of the Board of Directors' Report. Also, see section 2.13.4. 

2.13.6. Credit rating 

As of August 13, 2020, the Company's bonds are not rated in any rating. On the eve of the 
termination of  the rating,  the rating of the Company's  bonds (Series C) by  Midroog was 
Caa2.il, with a stable rating horizon. 

Bezeq's bonds are rated by Standard & Force Maalot Ltd. as il/AA-/Stable and by Midroog 
Ltd.  as  Aa3.il  rating  with  a  stable  rating  horizon.  On  December  22,  2020,  Midroog 
announced  that  it  was  placing  the  Bezeq  rating  under  examination  with  negative 
consequences. 

For  details  regarding  the  history  of  Bezeq  ratings  in  the  last  two  years,  see  Bezeq's 
immediate  reports  dated  May  7,  2019,  June  25,  2019,  July  10,  2019,  August  12,  2019, 
November  25,  2019  and  December  10,  2019,  May  4,  2020,  May  26,  2020  (Standard  & 
Force Maalot Ltd.), and dated April 8, 2019, June 25, 2019, July 10, 2019, August 6, 2019, 
November 25, 2019 and December 10, 2019, April 22, 2020, May 26, 2020, December 22, 
2020 (Midroog Ltd.) included in this report by way of reference.  

For this matter see also section 4 of the Board of Directors' Report.  

2.13.7. Bezeq's  assessment  in  relation  to  debt  raising  in  the  coming  year  (2021)  and  the 

sources of raising 

During 2021, Bezeq is expected to repay a total of NIS 1.3 billion for the principal and the 
interest on its loans, including bonds (including an amount planned for early repayment of 
credit at Bezeq's discretion). 

Bezeq  raises  funds  from  time  to  time  for  the  purpose  of  managing  its  cash  flow.  The 
financing  options  available  to  Bezeq  are:  Raising  debt  through  new  loans  from  banking 
corporations and / or through raising private or negotiable debt. Bezeq intends to continue 
operating during 2021 to adjust its debt structure to its needs and sources.  

2.13.8. Liens and collateral 

For information regarding Bezeq's liens and collateral, see Note 20 to the 2020 statements.  

2.14. Taxation 

For information on taxation, including losses carried forward for tax purposes in DBS, see Note 
7 to the  2020  statements.  Also, regarding  the application for approval of a derivative claim 
regarding the assessment agreement in connection with DBS losses, see section 2.18i. 

2.15. Environmental risks and ways of managing them 

2.15.1. General 

Some Bezeq facilities, such as broadcasting facilities, wireless communication facilities, or 
high-voltage facilities30 are sources of electromagnetic radiation which are included in the 
definition of "radiation source" in the Non-Ionizing Radiation Law.  

2.15.2. The Non-Ionizing Radiation Law 

The law regulates the practice of radiation sources, their establishment and operation, as 
well as their supervision. Among other things, the law stipulates that the construction and 
operation of a radiation source is subject to a permit; Provides for punitive provisions, and 
strict liability for a company that has violated the provisions of the law, its employees and 
its officers; Imposes registration and reporting obligations on the permit holder and confers 
supervisory powers mainly to the Commissioner for Non-Ionizing Radiation in the Ministry 
of  Environmental  Protection  (in  this  section  -  "the  Commissioner"),  including  regarding 
conditions in the permit, revocation of the permit and disposal of radiation source. 

Bezeq  has  issued  operating  permits  from  the  Commissioner  for  the  communication 
facilities and broadcasting sites operated by it. In addition, Bezeq performed the necessary 
actions  for  issuing  radiation  permits  for  high-voltage  facilities  located  in  Bezeq's  assets, 

30The construction and operation of these facilities requires an establishment permit as well as an operating permit in accordance 
with the Non-Ionizing Radiation Law. The construction of high-voltage facilities (transformers) at Bezeq sites is intended for the 
supply of energy for the use of Bezeq facilities. 

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and as of the date of the report, radiation permits exist for 13 high-voltage facilities, all of 
which have a construction and operating permit or a valid type approval.  

It should be noted that the Commissioner requires building permits as a condition for the 
continued validity of operating permits for communication facilities (including broadcasting 
facilities)  issued  by  him,  as  well  as  the  existence  of  additional  conditions,  inter  alia,  in 
relation  to  "wireless  access  facilities"  that  have  a  "type  certificate"  issued  by  the 
Commissioner . See also section2.16.10.  

The  law  includes  a  penalty  chapter  which  stipulates,  inter  alia,  that  the  construction  or 
operation of a radiation source in violation of the terms of the permit and the construction 
or operation of a radiation source without a permit after receiving written notice from the 
commissioner, are a criminal offense.  

2.15.3. Permits 

For permits for broadcasting facilities required by the Planning and Construction Law, see 
section 2.16.10.  

2.15.4. Bezeq policy regarding radiation risk management 

Bezeq  implements  a  work  procedure  regarding  the  establishment,  operation  and 
measurement  of  non-ionizing  radiation  sources,  and  an  appropriate  enforcement 
procedure  approved  by  Bezeq's  Board  of  Directors.  Bezeq  has  been  appointed  an 
enforcement procedure implementation officer. Periodic reports on the status of radiation 
sources are forwarded to Bezeq's CEO and the Board of Directors. 

2.16. Restrictions and supervision of Bezeq operations  

Bezeq is subject  to various legal systems that regulate and limit its business activities. The main 
body  that  supervises  Bezeq's  activities,  as  a  communications  company,  is  the  Ministry  of 
Communications. 

2.16.1. Supervision of Bezeq rates 

Arrangements under Sections 5 and 15 to 17 of the Communications Act  and under the 
NIO license apply to Bezeq’s rates, as detailed later in this section. 

Bezeq  rates  supervision  (as  detailed  below)  has  several  implications  -  Bezeq  rates  are 
subject  to  regulatory  intervention  (even  if  not  provided  for  in  regulations  or  alternative 
payment baskets), and from time to time, Bezeq is exposed to significant changes in its 
rate structure and rate level. The mechanism of updating the supervised rates, as stipulated 
in  the  authorizing  legislation  and  regulations,  leads  to  the  fact  that  on  average  the 
supervised Bezeq rates have actually eroded over the years. Rate control creates or may 
create difficulties for Bezeq in providing an appropriate competitive response to changes 
in the market and competitors' offers in short schedules. In addition, the restrictions on the 
granting of discounts in rates limit Bezeq’s participation in certain tenders. 

The following are the main principles of the control arrangements on Bezeq rates:  

2.16.1.1  In  accordance  with 

the  Communications  Law, 

the  Minister  of 
Communications  may,  with  the  consent  of  the  Minister  of  Finance,  determine 
payments (including maximum or minimum) for licensee services. Determination 
of payments can be made, inter alia, based on (1) cost according to a calculation 
method ordered by the Minister plus a reasonable profit; Or (2) by reference points 
derived  from  the  following:  payment  for  services  provided  by  the  licensee, 
payment for comparable services, payments in other countries for such services. 

2.16.1.2  Rates  set  by  regulations  (FIX)  -  Bezeq's  supervised  service  rates 
(telephony and other services) set in the regulations were updated according to 
the linkage formula minus a reduction coefficient as stipulated in the regulations, 
so that on average Bezeq's supervised rates were eroded in real terms. After five 
years  in  which  the  rates  were  not  updated,  on  May  23,  2018,  the  Ministry  of 
Communications issued an announcement updating the Bezeq rates set forth in 
the regulations as of June 1, 2018, based on the formula of the update set forth 
in  the  Communications  (Bezeq  and  Broadcasting)  Regulations  (Calculation  of 
Payments for Bezeq Services and their Linkage), 5767-2007, so that the rates for 
the  services  provided  by  Bezeq  set  forth  in  the  regulations  decreased  by  an 
average  of  11.88%,  except  for  the  fixed  monthly  payment  for  a  telephone  line 
which  remained  unchanged.  In  accordance  with  the  temporary  provisions  from 
June 1, 2019 and June 1, 2020, the payments have not been updated and the 

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Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

details in the formula have been updated to the date of the next update that will 
apply on June 1, 2021. For the hearing regarding the determination of maximum 
rates for Bezeq's retail telephony services, see section2.16.1.6. 

2.16.1.3  The  Minister  of  Communications  and  Finance  have  the  authority 
(according to  Article 5 of the Communications Law) to determine  payments for 
interconnectivity or for a licensee's use of another licensee's Bezeq facilities and 
to  issue  instructions  (including  in  relation  to  ancillary  arrangements),  inter  alia, 
based on the parameters stated in section 2.16.1.1. 

for  a  group  of 

2.16.1.4  Alternative payment baskets - if rates that are not maximum or minimum 
are  set  for  the  supervised  services,  Bezeq  may  offer  an  alternative  payment 
the  Ministers  of 
basket 
those  services,  provided 
Communications and Finance do not oppose the basket. In the Gronau report31 
It  is  stipulated  that  an  alternative  payment  basket  will  only  be  approved  if  it  is 
worthwhile to 30% or more of the subscribers who consume the services offered 
in  the  basket  and  that  the  maximum  allowable  discount  rate  in  an  alternative 
payment  basket  will  be  higher  the  smaller  the  Group's  market  share  in  fixed 
telephony.32 

that 

If maximum or minimum payments have been determined under Articles 5 or 15 
of  the  Communications  Law  for  Bezeq  services  provided  to  another  licensee, 
Bezeq  may, in a non-discriminatory manner,  offer each other licensee both  an 
alternative  payment  basket  for  a  group  of  services  in  maximum  or  minimum 
payments, and such services together with together with services for which no 
payment has been prescribed under Article 5 or 15 of the Communications Law, 
insofar as the Ministers have not objected. 

2.16.1.5  For a service for which no payment has been determined or for which a 
maximum or minimum payment has been determined according to Article 5 or 15, 
Bezeq may demand a reasonable payment. The Minister of Communications may 
order Bezeq to inform him of a payment that it intends to demand as aforesaid 
and  of  any  change  in  payment  before  the  service  is  provided  or  the  change  is 
made. If the Minister of Communications sees that Bezeq intends to demand an 
unreasonable  payment,  or  a  payment  that  raises  concerns  in  respect  of 
competition, he will be entitled to  order  Bezeq (for  a  period not exceeding  one 
year)  the  amount  of  payment  it  may  demand  for  the  service,  or  order  the 
separation  of  the  payment  for  a  service  from  the  payment  for  the  group  of 
services. The Minister's examination of whether a payment is unreasonable may 
in 
be  made, 
section2.16.1.1(1), and the Minister may examine the payment based on what is 
stated in section2.16.1.1(2). 

the  parameters  as  stated 

in  accordance  with 

inter  alia, 

2.16.1.6  On  December  15,  2020,  a  hearing  was  published  by  the  Ministry  of 
Communications regarding the determination of maximum rates for Bezeq's retail 
telephony services (“the Hearing"). This Hearing replaces an earlier hearing from 
June 2017 regarding the change in the mechanism for supervising Bezeq's retail 
rates and is significantly different from it. 

a)  According to the Hearing documents, in view of the elapsed time since the 
establishment  of  the  existing  retail  telephony  rates  ("the  Rates")  and  the 
changes in the communications industry, the Rates supervision mechanism 
and the level of Rates must be adjusted to these changes. Also, following an 
earlier hearing published by the Ministry in 2017 regarding the Rates control 
mechanism in which two alternatives were proposed (transition to maximum 
Rates  and  removal  of  Rates  control  from  major  telephony  services),  the 
Ministry believes that at present the alternative of removing Rates control is 
irrelevant and will not necessarily reduce Rates. The level of Bezeq's Rates 
must be examined and updated in accordance with the passage of time, the 
current cost structure and the state of competition. 

31   Report of the Gronau Committee for the Rules of Competition in the Field of Communications in a letter from the then Minister 
of Communications dated August 13, 2008 regarding the adoption of the report (as amended) ("the Gronau Report").  
32   Maximum discount rate of 25% when the Group's market share is between 75% and 85% and 40% when the market share is 

between 60% and 75%. 

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b)  Accordingly,  and  based  on  an  economic  opinion  attached  to  the  Hearing 
documents, it is proposed in the Hearing to adopt a uniform usage fee rate 
and  that  the  usage  fee  rates  and  call  minutes  be  set  as  maximum  rates. 
According to the Hearing, the basis for determining the proposed rates is the 
wholesale costs plus a proposed retail margin component of 25%. 

c)  Accordingly it is proposed that the maximum rates for line and calls (in NIS) 

be as follows: 

Service 

Current rate 

Rate proposed at 

Hearing (maximum) 

Monthly usage fee for telephone 

line 

Rate for one minute of call to 

landline networks33 

Rate for one minute of call to 

mobile networks34 

VAT free 

VAT 

included 

VAT free 

VAT 

included 

49.5 

57.92 

20.82 

24.36 

Low - 0.035 

Low - 0.041  

High - 

0.0857 

High - 

0.010 

0.012 

0.014 

0.1098 

0.128 

0.072 

0.084 

d) 

In addition, it is proposed to set a maximum rate for a line package of minutes 
and  a  quota  of  minutes  that  Bezeq  will  be  obligated  to  market  to  its 
subscriber,  which  will  include  500  minutes  of  calls  to  landline  and  mobile 
destinations at a maximum rate of NIS 28 plus VAT plus the fixed rate for 
each minute. At the same time, it is proposed to cancel all existing alternative 
payment baskets while allowing Bezeq to market new service packages at 
reasonable rates in relation to the maximum rates that are proposed to be 
determined at the Hearing and which are not higher thereof. 

e)  According to the Ministry of Communications, the proposed change in rates 
is  expected  to  reduce  the  expenses  of  the  individual  lines  segment 
subscribers in a way that will reduce the expenses of Bezeq's fixed telephony 
consumers by NIS 331 million per year (approximately 390 million including 
VAT). 

f) 

It should be noted that the Hearing proposes additional changes to Bezeq's 
rates,  including  adjustments  to  the  new  rates  proposed  at  the  Hearing, 
determining the existing rates for ancillary services to the telephone line as 
maximum rates and enabling Bezeq to set lower prices relative to them, and 
terminating the rates of calls initiated by business customers In my PRI axis. 

g)  Also,  according  to  the  Hearing,  insofar  as  there  is  a  change  in  the 
interconnectivity rates, this will result in a change in the corresponding call 
minute rates that include this component. 

In addition, a draft amendment to Bezeq's rates regulations was attached to the 
Hearing documents. 

In Bezeq's opinion, as the changes proposed in the Hearing are implemented, a 
material adverse effect on Bezeq's financial results is expected. 

Some of the information contained in this section is forward-looking information 
as  defined  in  the  Securities  Law  based  on  assessments,  assumptions  and 
expectations, including the final decisions to be made in the Hearing, the Ministry 
of Communications' assessments  in  the Hearing,  demands for  Bezeq services 
and  the  behavior  of  various  communications  operators.  Accordingly,  the 

33 Includes an interconnectivity rate for landline destinations. 
34 Includes an interconnectivity rate for mobile networks. 

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information  may  not  materialize  or  materialize  differently  from  what  is  stated 
depending on the materialization of the above assessments. 

On December 17, 2020, Bezeq sent a request to the Ministry of Communications 
for a postponement of its response to the Hearing in light of the complexity of the 
issue, and in this context, it expressed initial substantive reservations about the 
Ministry of Communications' position in the Hearing. 

On  January  11,  21,  Bezeq  submitted  a  report  to  the  office  of  the  international 
research company Cullen International with a concise overview of EU policies, 
rules  and  experience  regarding  the  issue  of  the  hearing,  according  to  which, 
among other things - the practice of intervening in any form in retail rates through 
an update mechanism known as price cap has not existed in the world for over a 
decade, a fortiori, when it comes to unilaterally setting the rates of services. Even 
when telephony rates were regulated (in the 1990s and early 2000s), pricing was 
always  based  on  "top  down"  models  based  on  the  Full  Distributed  Costing  of 
accounting costs (sometimes with adjustments), and that methods of determining 
prices based on bottom-up models that reflect the cost structure of a hypothetical 
efficient operator were  used solely when determining  wholesale prices. This  is 
because operating this method when setting retail prices does not by definition 
allow for actual cost coverage, and thus will lead to a continuous loss to the point 
of the veteran operator leaving the market. 

On February 28, 2021, Bezeq submitted to the Ministry an economic opinion from 
the consulting firm Ernst & Young ("the EY Opinion"), regarding the regulation 
of Bezeq's landline telephony rates, according to which the implementation of the 
recommendations  in  the  Hearing  document  is  expected  to  lead  to  a  material 
impairment of Bezeq's revenues and profits. EY writes that the Ministry has an 
obligation to justify the regulatory intervention in the market and if it is found that 
there is justification for the intervention, it must be reasonable and proportionate 
in  the  face  of  economic  justification  and  in  the  face  of  the  expected  harm  to 
Bezeq. According to the EY Opinion, analysis of the landline telephony market in 
Israel  shows  that  no  regulatory  intervention  is  required,  among  other  things, 
because  the  definition  of  the  product  market  should  include  both  landline 
telephony and mobile telephony, since these are products that constitute close 
alternatives.  The  EY  Opinion  clarifies  that  the  economic  opinion  on  which  the 
Hearing is based does not provide the necessary justification for the proposed 
regulation  and  that  the  recommendations  contained  therein  are  the  result  of 
methodological  biases,  mistakes  and  computational  error,  when  instead  of  an 
orderly  competitive  economic  analysis  (basic  practice  in  Israel  and  around  the 
world),  the  economic  opinion  is  based  on  biased  or  unfounded  determinations 
that are also inconsistent with reality; Instead of determining the rate on the basis 
of Bezeq's actual data and costs, the economic opinion deviates from the practice 
of previous committees and European practice and states in an unprecedented 
manner that the retail rate should be determined on the basis of the cost structure 
of a hypothetical efficient operator. This has a crucial impact on the actual results; 
The assumptions made for the purpose of determining retail rates by estimating 
retail  costs  as  a  percentage  of  the  wholesale  cost  of  telephony  services  are 
unfounded, erroneous and biased. Some even contradict the findings of previous 
work by the Ministry of Communications itself in a way that significantly reduces 
the  maximum  retail  rate  recommended  in  the  Hearing;  Once  a  result  was 
obtained  that  meant  a  dramatic  reduction  in  the  rate  -  a  reduction  of  tens  of 
percent - no in-depth examination was conducted regarding the reasonableness 
of the outcome and an examination of its expected implications for competition 
and consumers. In addition, the aforesaid correction of the deficiencies illustrates 
that the rates recommended in the Hearing are tens of percent lower than those 
required in order to cover Bezeq's costs and are therefore unreasonable. 

In Bezeq’s letter accompanying the EY Opinion, Bezeq stated that the economic 
opinion  on  the  basis  of  the  Hearing  and  its  conclusions  could  not  stand.  They 
express  unreasonableness  and  obvious  failures  in  relation  to  the  intervention 
itself, both in relation to the process and to the results. In view of this and in light 
of the analysis presented in the EY Opinion, the obvious conclusion is that the 
implementation  of  regulation  in  the  landline  communications  market  no  longer 
serves a legitimate consumer interest but on the contrary, in a market where there 
are no barriers to entry and a high level of competitiveness exists, achieved in 
light  of  technological,  regulatory  and  structural  changes,  applying  regulation 

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creates damage to the consumer interest. Therefore, the adoption of the Hearing 
recommendations  will  be  a  decision  made  in  an  unreasonable  manner,  which 
creates an arbitrary and unjustified violation of Bezeq's rights. In addition, Bezeq 
believes  that  in  the  circumstances  presented  in  an  orderly  manner  in  the  EY 
Opinion, the correct and required step is to remove the supervision of Bezeq's 
telephony service rates. 

2.16.1.7   For  the  hearing  dated  August  29,  2017  regarding  the  mechanism  for 
preventing  margin  reduction,  and  the  submission  of  marketing  proposals  for 
approval  by  the  Ministry  of  Communications,  as  well  as  for  wholesale  service 
rates and for updating the wholesale rates for the years 2019-2021 - see section 
2.16.4. 

2.16.1.8  Regarding wholesale market rates in the  BSA service - on February 20, 
2020,  the  Minister  of  Communications  decided  to  amend  the  Communications 
(Bezeq  and  Broadcasting)  Regulations  (Use  of  an  NIO  Public  Network),  5774-
2014 (“the Amendment" and “the Regulations", respectively) as detailed below: 

a)  The amendment includes formulas for updating the maximum payments to 
which  Bezeq  is  entitled  for  use  of  its  network  (wholesale  BSA  service)  on 
January  1  of  each  year,  between  the  years  2019  and  2022,  and  also 
stipulates that the Minister of Communications will publish on November 15 
each year the demand forecast index, which is a component of the update 
formula. The demand indices for the years 2019 and 2020 were determined 
in  the  Minister's  announcement  which  was  attached  to  the  Minister's 
decision. The amendment will apply retroactively from January 1, 2019. 

b) 

It was further determined that with the entry into force of the regulations, a 
reduction  of  certain  payment  components  will  apply  in  a  manner  that  will 
offset  Bezeq  and  another  licensee,  who  consumed  the  services  between 
February 2017 (the date of the decision to update the maximum payments) 
and  July  2018  (the  date  of  updating  the  regulations)  until  the  end  of  the 
offsetting for that period. 

The update of the maximum payments for the years 2019 and 2020 resulted in 
an  insignificant  decrease  in  Bezeq's  revenues  in  relation  to  the  revenues  that 
would  have  been  received  on  the  basis  of  the  current  rates  at  which  the 
communications market operated from July 2018.  

On November 29, 2020,  a  Public Notice (Bezeq and  Broadcasting) (Use of  an 
NIO Public Bezeq Network), 5720-2020 (“the Notice") was published, in which 
the demand forecast indices for 2021 were updated in the regulations, from which 
Bezeq’s rates for wholesale infrastructure ownership services in accordance with 
the  formulas  are  derived.  Bezeq's  revenues  in  respect  of  such  services  are 
affected by both the rates and the extent of the actual use of Bezeq’s network, 
which depends on the behavior of the various communications operators. Based 
on Bezeq's estimates of the extent to which telecommunications operators use 
its  network  during  2021,  Bezeq  estimates  that  the  updated  rates,  which  are 
expected  in  light  of  the  demand  forecast  indices  in  the  Notice,  may  have  a 
material adverse effect on its results for 2021. Bezeq has reservations about the 
procedure  and  the  manner  of  determination  of  some  of  the  demand  forecast 
indices in the Notice by the Ministry of Communications, which were presented, 
among other things, in Bezeq’s letter to the Ministry, and Bezeq is examining its 
steps in this regard. 

Some  of  the  information  contained  in  the  above  paragraph  is  forward-looking 
information  as  defined  in  the  Securities  Law  based  on  Bezeq's  assessments, 
assumptions  and  expectations,  including  the  scope  of  use  of  Bezeq’s  network 
and  the  behavior  of  the  various  communications  operators.  Accordingly,  the 
information  may  not  materialize  or  materialize  differently  from  what  is  stated 
depending on the materialization of the above assessments. 

For wholesale market rates on Hot’s network, see section2.16.4.  

2.16.1.9  On September 17, 2020, the Ministry of Communications approved a new 
arrangement  proposed  by  Bezeq,  which  includes  prior  approval  of  alternative 
payment baskets that include increased use, following a hearing published by the 
Ministry regarding unusual uses of landline call minutes in the face of the outbreak 
of the COVID-19 pandemic and following a temporary amendment of alternative 

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payment  basket  provisions  provided  by  Bezeq  in  accordance  with  the  outline 
proposed by Bezeq which enabled a retroactive increase of packages in cases of 
use in excess of a certain threshold. The validity of the arrangement has been 
extended from time to time (as of the date of publication of the report, it is valid 
until July 31, 2021). 

2.16.2. Bezeq's NIO license 

Bezeq operates, among other things, under the NIO license35. The NIO license contains 
provisions that mainly concern: 

2.16.2.1  The scope of the license, the services that Bezeq must provide and the 

universal service obligation 

Bezeq  must  provide  its  services  to  everyone  on  equal  terms  for  each  type  of 
service, regardless of location or unique cost. The license is not limited in time; 
The Minister may change, revoke, and suspend the license; The license and any 
part thereof may  not be transferred,  encumbered or foreclosed. Regarding the 
addition of wholesale services to the Bezeq license, see section1.7.3. Regarding 
the  deployment  and  universal  service  obligation  in  connection  with  ultra-
broadband infrastructure, see section2.7.2. 

2.16.2.2  Rules of structural separation 

For  a  description  of  the  structural  separation  rules  applicable  to  Bezeq,  see 
section1.7.2. 

2.16.2.3  Rates 

Bezeq will provide a service or package of services for which no rate has been 
set under Articles 15 or 15A of the Communications Law at a reasonable price, 
and will offer  it  to  everyone, without discrimination, and  at  a  uniform  rate.  See 
also section2.16.1. 

2.16.2.4  Marketing shared service baskets 

For the provisions in the NIO license that allow Bezeq to apply to market baskets 
of shared services subject to restrictions, see section 1.7.2.2. 

2.16.2.5  Operation of Bezeq’s networks and the level of its services 

Bezeq  must  maintain  and  operate the network, and  maintain  its services at all 
times,  including  in  times  of  emergency,  in  a  proper  and  regular  manner,  in 
accordance  with  the  technical  requirements  and  the  quality  of  service 
requirements, and act to improve its services. The license includes an appendix 
regarding  the  "level  of  service  to  the  subscriber",  which  was  determined  to  be 
amended after Bezeq provides the Ministry with data. Bezeq forwarded proposals 
to the Ministry to amend the appendix while adapting it to the reality and licenses 
of other operators, but as of the publication of the report, the amendment has not 
yet been made. For the amendment to the license regarding answering at the call 
centers, see section1.7.4.4a). 

2.16.2.6  Interconnectivity and use 

Provisions  have  been  made  regarding  the  obligation  of  interconnectivity  to 
another  public  network  and  allowing  the  use  of  another  licensee  (including 
wholesale service); There is also an obligation to provide infrastructure services 
to  the  another  licensee  on  reasonable  and  equal  terms,  and  to  refrain  from 
preferring a licensee who is an affiliated company.  

2.16.2.7  Arrangements in the field of security 

Provisions have been made regarding the operation of Bezeq’s network in time 
of emergency, including an obligation to operate in a manner that will prevent it 
from collapsing in an emergency.  

Bezeq must perform Bezeq services and construction and maintenance services 
for infrastructure and end equipment for defense forces in Israel and abroad, as 
stipulated  in  its  agreements  with  the  defense  forces.  Bezeq  will  also  provide 
special  services  to  the  defense  forces.  Bezeq  will  work  to  ensure  that  all 

35   A copy of the NIO license is published on the Ministry of Communications' website at - www.moc.gov.il.  

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purchases and installation of hardware in its Bezeq facilities, with the exception 
of terminal equipment, will be made in full compliance with the instructions given 
to Bezeq under Article 13 of the Communications Law.  

Bezeq  must  appoint  a  security  officer  and  strictly  comply  with  the  security 
provisions in the appendix to the license. 

2.16.2.8  Supervision and reporting 

Bezeq has extensive reporting obligations to the Ministry of Communications. In 
addition, the Director General of the Ministry of Communications (as defined in 
Bezeq’s license) was granted access rights to the facilities and offices used by 
Bezeq and the seizure of documents. On August 1, 2019, Bezeq's general license 
was amended so that the reporting obligations were consolidated and reduced. 

2.16.2.9  Miscellaneous matters 

a)  The  NIO  license  includes  restrictions  on  the  acquisition,  possession  and 
transfer  of  means  of  control  in  accordance  with  the  provisions  of  the 
Communications  Order  (see  section  2.16.3),  as  well  as  restrictions  on 
"cross-ownership",  the  main  principle  of  which  is  the  prohibition  on  cross-
holding  by  entities  that  have  an  affiliation  with  another  material  NIO36  as 
stated in the license, and restrictions on cross-holding by entities with NIO 
licenses or general licenses in the same segment of activity. 

b)  Bezeq provided the Director General of the Ministry of Communications with 
a bank guarantee in the total amount of NIS 15 million to ensure compliance 
with  the  terms  of  the  license  and  to  indemnify  the  State  for  any  damage 
caused to it due to their violation by Bezeq. 

c)  The  Director  General  of  the  Ministry  of  Communications  is  authorized  to 
impose  a  financial  sanction  for  violating  the  terms  of  the  license  (for  this 
matter, see also section 1.7.4.6). 

d)  Bezeq may invest during a calendar year up to 25% of its annual income in 
activities not intended for the provision of Bezeq services (when the income 
of subsidiaries is not considered Bezeq's revenue for this purpose). 

e)  On October  26, 2020,  Bezeq was  received from the  Communications and 
Postal  Service  Officer  in  the  Judea  and  Samaria  Civil  Administration  a 
general  license  for  the  provision  of  landline  interior  Bezeq  services  in  the 
Judea and Samaria area. In accordance with what is stated in the preamble 
to the license, this is a license in the form of a reference to Bezeq's general 
license  granted  to 
it  by  the  competent  bodies  in  the  Ministry  of 
Communications, while making the necessary adjustments in the area, and 
it is nothing but an existing snapshot in the field of infrastructure that is under 
the responsibility and ownership of Bezeq. Accordingly, no material change 
is  expected  in  Bezeq's  conduct  in  Judea  and  Samaria  in  relation  to  the 
existing  situation  prior  to  the  granting  of  the  license  (at  the  same  time,  it 
should be noted that the license in principle allows Bezeq to streamline the 
service  in  the  area  through  the  use  of  technicians  from  the  entire  Group, 
subject  to  the  approval  of  an  appropriate  procedure  to  be  formulated  by 
Bezeq and brought for approval by the Communications Officer). 

For the wholesale market and wholesale service portfolios see section 2.16.4. 

2.16.3. The Communication Order 

Bezeq has been declared a provider of essential  Bezeq services in accordance with the 
Communication Order. By virtue of this declaration, Bezeq is obligated to provide certain 
types  of  services  and  may  not  stop  or  reduce  them,  including  basic  telephone  service, 
infrastructure  service,  transmission  service  and  data  communication  service,  including 
interconnectivity, and other services listed in the addendum to the Order. 

Main additional provisions in the Communication Order: 

2.16.3.1  Restrictions on the transfer and purchase of means of control in Bezeq, 
including a restriction on the possession of means of control of a certain type at a 
rate of 5% or more without the prior written approval of the Prime Minister and the 

36   NIO with a market share of 25% or more.  

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Minister of Communications (“the Ministers"). 

2.16.3.2  The transfer or acquisition of control of Bezeq requires the approval of the 
Ministers  ("Control  Permit").  The  Control  Permit  will  determine  a  minimum 
holding rate in each of  Bezeq's means of control  by  the  Control Permit  holder, 
with the transfer of shares or the issuance of shares by a company, as a result of 
which  the  controlling  shareholder's  holdings  fall  below  the  minimum  rate  –  is 
prohibited without the Minsiters’ prior approval, subject to permissible exceptions 
(including  public  offering  under  a  prospectus  or  sale  or  private  allotment  to 
institutional investors)37.  

2.16.3.3  Holdings  that  have  not  been  approved  as  aforesaid  will  be  considered 
"excess  holdings".  The  Order  stipulated  that  there  would  be  no  validity  to  the 
exercise  of  a  right  by  virtue  of  excess  holdings,  and  also  stipulated  provisions 
authorizing  the  Ministers  and  Bezeq  to  apply  to  the  court  for  a  forced  sale  of 
excess holdings. 

2.16.3.4  Bezeq was required to report to Ministers, upon request, on all information 

on matters related to the provision of an essential service.  

2.16.3.5  At least 75% of the members of Bezeq's Board of Directors will be citizens 
of Israel and its residents with a security classification and security suitability, as 
determined  by  the  General  Security  Service.  The  Chairman  of  the  Board  of 
Directors, the external directors, the CEO of Bezeq and other Bezeq officials as 
specified in the Order will be citizens of Israel and its residents and have a security 
classification according to the classification of the position. 

2.16.3.6  "Israeliness" requirements have been set for the controlling shareholder in 
Bezeq: in the case of an individual - he is an Israeli entity (as defined in the Order), 
in  the  case  of  a  corporation  -  it  is  incorporated  in  Israel,  its  business  center  in 
Israel and an Israeli entity (as defined in the Order) holds at least 19% of any of 
the means of control in it, or holds at least 19% of the voting rights at the general 
meeting and the right to appoint directors of the controlling shareholder and he 
has the right to appoint at least one-fifth of the number of directors in Bezeq and 
Bezeq's subsidiaries, and no less than one director, in each them, to be appointed 
by him, provided that the rate of his holdings in Bezeq, both directly and indirectly, 
shall not at any time be less than 3% of any type of means of control in Bezeq.  

the  Ministry  of  Communications  regarding  "changing 

It  should  be  noted  that  on  March  8,  2020,  Bezeq  received  hearing  documents 
the 
published  by 
requirement for a minimum percentage of means of control of a general licensee 
held  by  an  Israeli  entity".  During  the  hearing,  it  was  proposed  to  amend  the 
Communications  Order  as  well  as  additional  legislation  stipulating  Israeliness 
requirements in relation to additional holders of communications licenses, so that 
it will be possible to convert the Israeliness requirement in the legislation under 
Article 13 of the Communications Law and the procedure set forth therein. The 
date for reference to the hearing is set for March 29, 2020. On July 8, 2020, an 
amendment  was  published  in  Reshumot  to  some  of  the  communications 
regulations  that  stipulate  an  Israeli  requirement  so  that  the  possibility  of 
converting  the  Israeliness  requirement  into  a  provision  under  Article  13  of  the 
Communications Law and in the procedure set forth therein, which will apply to 
the relevant licensee alternative  provisions to the Israeliness requirement. The 
date for reference to the hearing is set for March 29, 2020. On July 8, 2020, an 
amendment  was  published  to  some  of  the  Communications  Regulations 
stipulating the requirement of Israeliness, so that the possibility of converting the 
requirement  of 
the 
Communications  Law,  which  will  apply  alternative  provisions  to  the  Israeliness 
requirement  on  the  relevant  licensee.  To  the  best  of  Bezeq's  knowledge,  no 
parallel amendment has yet been made to the Communications Order.  

into  a  provision  under  Article  13  of 

Israeliness 

2.16.3.7  The approval of the Ministers is required for the granting of rights in certain 
Bezeq assets (switches, cable network, transmission network and databases and 
information).  In  addition,  the  granting  of  rights  by  means  of  control  of  Bezeq's 
subsidiaries, including the allotment of shares in excess of 25% by the subsidiary, 
requires the approval of the ministers. 

37   Per lesson The minimum holding in the control permit of a group flashSee section 8 lEpisode D' report This period is. 

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2.16.3.8  Certain  Bezeq  operations  require  the  approval  of  the  Minister  of 
Communications,  including  voluntary  dissolution,  compromise  or  settlement 
between Bezeq and its creditors, change or reorganization of Bezeq's structure, 
merger and splitting of Bezeq. 

2.16.4. Wholesale market  

In recent years, Bezeq has been providing services under the "wholesale market" model, 
in  which  it  has  imposed  obligations  on  the  owners  of  the  lanlinde  interior  access 
infrastructure in Israel (Bezeq and Hot) to sell wholesale services to other communications 
operators.  

The  regulatory  determinations  in  relation  to  the  wholesale  market  as  well  as  its 
implementation  and  development  during  the  reported  period  have  an  impact  on  a 
significant part of the Group’s activity.  

2.16.4.1  Policy document 

in  which 

the  Minister  of  Communications  adopted 

The wholesale services are set out futher to the policy document dated May 2, 
2012, 
the  main 
recommendations of the committee for examining the structure of Bezeq's rates 
and updating them and for determining rates for wholesale services in the field of 
communications (Hayek Committee). The policy document stipulates, inter alia, 
that  owners  of  landline  interior  access  infrastructures,  which  provide  retail 
services,  including  Bezeq,  will  be  required  to  sell  wholesale  services  to 
communications  license  holders,  on  the  basis  of  non-discriminatory  conditions 
and  no  size  discounts.  The  document  set  out  conditions  for  the  elimination  of 
structural  separation  (See  section  1.7.2.1b)  and  that  the  Minister  will  work  to 
move to the method of controlling Bezeq rates by setting a maximum price, within 
6  months  of  publishing  a  "shelf  offer"  for  the  sale  of  services  by  infrastructure 
owners, and that the Ministry will formulate a regulation within 9 months aimed at 
increasing investment in Israel's fixed communications infrastructure.  

the  end  of  2014, 

the  policy  document,  at 

Following 
the  Ministry  of 
Communications  established  service  portfolios  for  the  various  services,  which 
determine the format of the provision of services by the infrastructure owners. The 
maximum rates that Bezeq may charge for these services were set by the Minister 
of Communications with the consent of the Minister of Finance in the regulations 
for the use of that year. On June 26, 2017, the rates for Hot’s wholesale services 
were announced. 

2.16.4.2  BSA service  

Bezeq began providing the service on February 17, 2015. This service enables 
infrastructure-less  service  providers  to  offer  their  customers  an  Internet 
servicefull (end to end) which includes both an Internet connection service and 
Bezeq's  infrastructure  service.  Since  the  launch  of  the  service,  hundreds  of 
thousands  of  customers  have  moved  to  receive  service  through  such  service 
providers, in this regard, see sections 1.5.4.1 and- 2.1.3. 

In the first days of the service, the Ministry conducted a supervisory procedure in 
Bezeq that led  to  the imposition  of sanctions in  the amount  of  NIS 8.5  million. 
Bezeq paid the amount of the sanctions. Bezeq's petition to the court against this 
procedure  was  rejected.  Bezeq's  appeal  on  the  rejection  og  the  petition  was 
denied.38. In addition, disputes arose between Bezeq and the service providers 
and the Ministry of Communications regarding the implementation of the service 
portfolio. These disputes concerned, among other things, the payments  due to 
Bezeq  for  the  service,  the  division  of  responsibility  for  installation  and 
malfunctions.  

On August 29, 2017, the Ministry of Communications issued a secondary hearing 
(to a hearing published on November 17, 2014), regarding the determination of a 
format  for  examining  the  margin  squeeze  by  owners  of  broadband  fixed 

38  

It should be noted that on January 19, 2020, a judgment was rendered in the framework of which a motion was partially accepted 
for the disclosure of documents under Article 198A of the Companies Law regarding this financial sanction. The applicant seeks 
to  examine through  the  disclosure  of the  documents the  possibility  of submitting  a motion for  approval  of  a  derivative claim 
against Bezeq officers / employees who were involved in dealing with the issue, with the relevant derivative claim amounting to 
the financial damage caused to Bezeq as a result of the financial sanction imposed on Bezeq (NIS 8.5 million). Bezeq informed 
the applicant that Bezeq's Board of Directors has appointed an independent claims committee, inter alia, in matters subject to 
the ruling, which examines Bezeq's claim rights in connection with the financial sanction. 

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communications  infrastructure  in  marketing  proposals.  Margin  squeeze  is  an 
operation in which the infrastructure owner lowers his retail prices and thereby 
reduces the gap between his retail prices and the wholesale price at which he 
sells the infrastructure inputs to service providers in a way that reduces the profit 
of service providers to economic inefficiency. According to the secondary hearing, 
the Ministry is considering allowing an independent examination track to rule out 
margin  squeeze,  using  testing  tools  that  will  be  approved  by  the  Ministry  (in 
addition to the limited testing track). According to the considerations, the effective 
rate of the tested service or the group of tested services will not be lower than the 
minimum  price  threshold  set  for  the  marketing  of  those  services  tested  by  the 
licensee. The "licensee" at the hearing includes Bezeq, Bezeq International, DBS, 
Hot Broadcasting, Hot Telecom and Hot Net. Bezeq submitted its response to the 
hearing, according to which there is no need to determine a format for examining 
the margin squeeze, but insofar such is detemined determines, the mechanism 
of  self-examination  proposed  at  the  hearing  should  be  expanded.  In  Bezeq's 
estimation,  the  format  of  examining  the  margin  squeeze,  insofar  as  it  is 
implemented, may impair Bezeq's and the Group's ability to market packages in 
terms of the timing of the offers and the prices they can offer. 

To  the  best  of  Bezeq's  knowledge,  the  sale  of  wholesale  services  on  the  Hot 
network  has  begun.  Also,  to  the  best  of  Bezeq's  knowledge,  the  volume  of 
wholesale subscribers on the HOT network is not large at  this stage,  although 
Bezeq estimates that there has been an increase recently. 

For service rates BSA on fibers See section2.7.22.16.12.2. 

2.16.4.3  Wholesale service use of physical infrastructure 

a)  Format and applicability of the service 

The "Use of Physical Infrastructure" service file (the "original service file") came 
into force on the July 31, 2015 and accordingly allows Bezeq for infrastructure-
less suppliers to use Bezeq's available physical infrastructure for the passage of 
communication  cables,  as  well  as  to  use  available  dark  fiber  from  Bezeq's 
available optical cable, when for connecting the service provider’s infrastructure 
to  Bezeq’s  infrastructure  the  service  provider  must  establish  a  passive 
infrastructure facility near Bezeq's passive infrastructure facility.  

In December 2016, as part of the amendment to the Communications Law, every 
holder of NIO license was obliged to allow other NIO license holders (who are not 
necessarily infrastructure-less licensees) to use his passive infrastructure (except 
for passive NIO infrastructure held by the Electric Company and required by it for 
the  purpose  of  its  activity  as  an  essential  service  provider  licensee),  for  the 
purpose  of  performing  any  Bezeq  operation  and  providing  any  Bezeq  service 
according  to  its  license.  This  provides  the  possibility  of  using  Bezeq's  passive 
infrastructure to IBC, and as of October 1, 2017 - also to Hot Telecom.  

On  January  16,  2019,  the  Ministry  of  Communications  issued  a  decision 
regarding a service portfolio for the reciprocal use of passive infrastructure. The 
administrative instruction and the amendment of the service file attached to the 
decision determined, among other things, and differently from the original service 
file39-  that  for  the  purpose  of  deployment,  an  operator  using  the  infrastructure 
owner will not be required to build a passive infrastructure facility, not even at pit 
zero (the last pit before the buildings). Connection of "other  NIO" infrastructure 
(i.e.  -  NIO  licensee,  including  infrastructure  owner,  who  uses  the  physical 
infrastructure of another licensee) to the infrastructure of the infrastructure owner 
will be done by the passive infrastructure component (canal / piping, etc.) to be 
installed  between  the  passive  infrastructure  facilities  of  the  operator  using  the 
the  passive 
infrastructure  (pit,  branch  cabinet, 
infrastructure facility of the infrastructure owner. In addition, the definition of the 
physical infrastructure available to an operator using the infrastructure has been 
expanded 
things,  communication  rooms.  The 
amendment and provision also anchored the eligibility of an infrastructure owner 
to  pay  for  the  ancillary  activity  of  the  operator’s  employees  using  the 
infrastructure. 

junction  box,  etc.)  and 

include,  among  other 

to 

39 These provisions were also anchored in the mutual service portfolio which replaced the administrative order described. 

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On December 31, 2019, the Ministry of Communications issued a decision  and 
service  portfolio  to  complete  the  regulation  for  the  implementation  of  the 
obligation of mutual use of physical infrastructure. The  Ministry established the 
"mutual  use  of  passive  infrastructure"  service  portfolio  (the  "mutual  service 
portfolio") as a uniform portfolio, in the licenses of all operators with a general 
license for the provision of landline interior Bezeq services (including holders of 
a  unique  general  license).  The  mutual  service  portfolio  replaces  the  aforesaid 
administrative  directive  dated  January  16,  2019,  and  combines  both  new 
provisions and some of the provisions that were in the original service portfolio 
and the administrative directive. 

The mutual service portfolio does not include instructions for the dark fiber rental 
service and the optical wavelength service. Respectively, the original wholesale 
service portfolio was amended and the regulation regarding the use of dark fiber 
and wavelengths remained. Thus, the original wholesale service portfolio is used 
only  by  holders  of  a  unique  general  interior  operator  license,  while  the  mutual 
service portfolio is used by all operators with a general license to provide landline 
interior services. 

The application processes are anchored in the mutual service portfolio and apply 
to both service portfolios.  The implementation processes include, among other 
things, provisions regarding the stages of service delivery (access to information, 
planning, execution of works), principles and components of the service (so that 
an infrastructure owner intending to establish an underground infrastructure in an 
area  where  there  is  no  physical  infrastructure  will  offer  each  NIO  to  share 
expenses. The infrastructure that owes a universal service obligation will not have 
to  allow  NIOs  with  such  an  obligation  that  refused  its  offer  to  use  the 
infrastructure, but only after 5 years from the completion of the construction of the 
infrastructure).  Preference  will  be  given  to  the  use  of  infrastructure  between 
interior operators will be done using the FIFO method. 

b)  Operators of the works 

Following  the  decision  of  the  Ministry  of  Communications  and  the  rejection  of 
Bezeq's  petition  against  it,  the  works  in  Bezeq's  infrastructure  within  the 
wholesale market are carried out by the service providers through contractors on 
their behalf.  Also, since  this is a service  in a  new format, disagreements arise 
from time to time. 

In  this  context,  On  April  16,  2018.  the  Ministry  of  Communications  ordered, 
among other things, that Bezeq allow service providers to run a communication 
cable through the Bezeq pit located at the entrance to the canal leading to private 
real estate and perform all the work required in the pit for this purpose, without 
detracting from the service providers' consent. 

For the notice of the Competition Authority in the matter of infrastructure and for 
the appeal by Bezeq, see section2.16.8.5, and for the motion for approval of a 
class action and two demands for the exercise of rights before filing a derivative 
claim in this matter, see section 2.18.1k. 

c)  Rates 

The rates for the use of Bezeq's physical infrastructure by the service providers 
(NIO with a unique general license) were set in the regulations of use. Until such 
determination, the rates set forth in the use regulations shall apply, and after the 
determination of such rates, a retroactive settlement will be made between Bezeq 
and Hot Telecom only. The rate will be the same as the payments currently set 
in the use regulations for NIOs who has a unique general license. On September 
9, 2018, Bezeq submitted its reference to the hearing (together with an economic 
opinion),  in  which  it  was  clarified,  among  other  things,  that  there  is  a  need  to 
preserve the distinction between infrastructureless operators and operators with 
infrastructure, and certainly those who have a universal service obligation. Rates 
have  not  yet  been  set  as  of  the  date  of  the  report.  It  should  be  noted  that  in 
accordance with the letter from the Ministry of Communications dated August 9, 
2018,  the  Ministry  is  considering  not  determining  a  maximum  or  minimum 
payment for a service provided by other NIO for which no such payment has been 
determined. For the Minister's authority to reduce rates in use mainly in incentive 
areas, see section2.7.2.  

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2.16.4.4  Wholesale telephony service 

On May 18, 2017, a decision was issued by the then Minister of Communications, 
according to which Bezeq will provide, starting on July 31, 2017 and for a  year 
thereafter, telephony services in a resale format at prices set by him (higher than 
the wholesale rates in light of the content of the service). The aforesaid decision 
is the result of a petition filed by Bezeq to the High Court, inter alia, against the 
Minister  of  Communications'  decision  of  November  14,  2014  regarding  the 
provision of a wholesale telephony service in the format of the service file as of 
May 17, 2015. The petition included, among other things, allegations of lack of 
applicability of the service in the format of the service portfolio (BSA + telephony) 
and lack  of  authority. Bezeq appealed  to  the  Ministry in  2018  that the  Ministry 
extend the period of the arrangement, in its format and at its existing prices, and 
become a permanent arrangement. Bezeq clarified that the service format in the 
service portfolio is not applicable, has no justification and contradicts the global 
trend. 

On June 5, 2018, the Ministry of Communications informed Bezeq that it was not 
extending  the  temporary  arrangement  regarding  the  resale  telephony  service, 
and  that  accordingly,  as  of  August  1,  2018,  Bezeq  will  provide  a  wholesale 
telephony service in the format specified in the "Wholesale Service Portfolio "BSA 
- Bit Stream Access + Telephony ", and that Bezeq will have to provide the said 
service as both a discrete service and as an additional service to the BSA service. 
Upon receipt of the notice, Bezeq clarified that it expects not to meet the schedule 
specified in the notice because the service format in the service portfolio is not 
technologically  feasible  and  requires  the  replacement  of  a  switch  which  is  a 
complex  and  lengthy  move,  and  that  it  intends  to  contact  the  Minstry  to  find  a 
solution to the issue. After talks with the Ministry, Bezeq offered, as of August 1, 
2018, a telephone call service and related wholesale services in the wholesale 
market based on the service portfolio in a technological format similar to that of 
the  resale  arrangement  and  wholesale  market  rates.  Bezeq’s  license  was 
amended about two months later and included this service as a voluntary service. 
At the same time, Bezeq has begun the process of replacing a switch that will 
also enable it to meet the requirements of the service portfolio 

During December 2018, Bezeq offered the Ministry of Communications another 
technological solution for providing the wholesale telephony service. In view of 
the  fact  that  this  solution  is  intended  to  be  a  temporary  solution  which  will  be 
implemented  for  a  limited  period,  until  the  switch  is  replaced,  and  taking  into 
account its estimates in relation to a relatively low potential scope of customers 
in the service. Bezeq reiterated its claim that the wholesale telephony service in 
the engineering outline defined in the service portfolio in the Carrier Preselection 
format at the Telco-Grade level was and still is inapplicable on a Bezeq switch. 

On  January  31,  2019,  the  Ministry  replied  that  it  does  not  intend  to  confirm  in 
advance that the proposed solution complies the service file, and that only after 
coordination  with  the  service  providers,  and  after  the  service  is  launched,  the 
Ministry will examine whether the violation has stopped, and that the Ministry will 
not accept a solution that does not fully meet the instructions. As of the beginning 
of 2019, Bezeq is prepared to provide a wholesale telephony service solution that 
passes  through  the  service  provider  switch,  and  is  based  on  both  Bezeq's 
subscriber  switch  and  an  additional  component  external  to  the  switch.  Bezeq 
clarified to the Ministry of Communications that in light of the expected low volume 
of customers and the stage of transition to a new switch, the fact that the solution 
is not at the Telco Grade level is not expected to be significant. 

On May 27, 2020, Bezeq received a letter from the Ministry of Communications 
regarding the minutes of telephone call service, which includes a dispute between 
Bezeq  and  the  service  providers  "Partner"  and  "Cellcom"  regarding  the 
interpretation of the service portfolio regarding the provision of ancillary services. 
The Ministry accepted Bezeq's position on the matter, stating that the telephony 
service that Bezeq will offer to service providers is a service that will allow the 
service  provider  to  receive  incoming  calls  and  create  outgoing  calls  and  also 
enable  the  provision  of  all  ancillary  services  to  the  basic  telephony  services 
provided to its customers. The service provider and Bezeq will not be obliged to 
offer the ancillary services using the switch it operates (except in the event that it 

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is not possible to provide them via the service provider's switch).40. In accordance 
with  the  Ministry's  announcement,  after  completing  all  the  actions  required  to 
provide the telephony service, Bezeq is required to update the Ministry regarding 
the  date  on  which  it  will  be  prepared  to  provide  the  service  as  required  in  the 
service portfolio. As Bezeq stated in its statements from the beginning of 2019, 
Bezeq  is  prepared  to  provide  a  wholesale  telephony  service  in  a  manner 
consistent  with  the  Ministry’s  decision  in  its  announcement  (currently  Bezeq  is 
prepared to provide the service on its new switch in the service portfolio format 
but at this stage there is no demand for the service). 

Bezeq  estimates  that  the  application  of  wholesale  telephony  in  general  will 
adversely affect its financial results, but at the same time Bezeq cannot assess, 
at  this  time,  the  extent  of  the  impact  that  could  have  a  material  effect,  as  it 
depends on various variables, including demand for service. In the market today 
(such as service VoB) and more. 

Supervision and financial sanction reports 

On  October  19,  2017,  the  Ministry  of  Communications  sent  Bezeq  a  final 
supervision report regarding the implementation of a wholesale telephony service 
("the  first  supervision  report").  In  accordance  with  the  supervision  report, 
Bezeq  violated  the  instructions  by  failing  to  provide  the  wholesale  telephony 
service on May 17, 2015. At the same time as the supervision report, Bezeq was 
notified that after  it was found that  Bezeq violated the provisions of the Bezeq 
Use Regulations and License, and in accordance with the authority set forth in 
the Communications Law, Bezeq is notified of an intention to impose a financial 
sanction on Bezeq in the amount of NIS 11,343,800. Following the supplementary 
supervision  report  to  the  first  supervision  report  dated  August  8,  2018,  on 
December  27,  2018,  Bezeq  received  a  notification  from  the  Ministry  of 
Communications,  according  to  which  the  Director  General  of  the  Ministry  of 
Communications  decided  to  impose  a  financial  sanction  of  NIS  11,163,290  on 
Bezeq  for  violation  of  provisions  regarding  the  implementation  of  a  wholesale 
telephony service for the period between August and December 2018 (after the 
Advisory Committee on Financial Sanctions did not approve the imposition of a 
sanction for the period stated in the first supervision report). Bezeq filed a petition 
against the decision. The State submitted its response on January 22, 2020, in 
which it rejected Bezeq's claims and insisted on the sanction decision, arguing 
that not only is it reasonable, but also necessary for the Ministry to play a key role 
in promoting competition. A hearing on the petition is scheduled for April 6, 211. 
For this purpose, see also two motions for approval of class actions in which it is 
alleged, among other things, that Bezeq acted to delay and thwart the wholesale 
market reform. (section2.18.1c).  

2.16.5. Powers over real estate 

Pursuant  to  the  provisions  of  Article  4  (f)  of  the  Communications  Law,  the  Minister  of 
Communications  granted  Bezeq  real  estate-related  powers  in  accordance  with  the 
provisions of Chapter F of the Law. 

The law distinguishes between state-owned land, the Development Authority, the Jewish 
National  Fund,  a  local  authority  or  a  corporation  established  by  law  and  held  by  one  of 
them,  as  well  as  a  road  ("public  land")  and  other  land  ("private  land").  With  regard  to 
public  land,  Bezeq,  and  any  person  authorized  thereby,  may  enter  for  the  purpose  of 
performing  works  for  laying  and  maintaining  a  network  and  providing  Bezeq  services, 
provided that the laying of the network was done in accordance with the provisions of the 
Planning  and  Construction  Law.  The  amendment  to  the  Communications  Law  and  the 
Planning and Construction Law abolished the obligation to obtain approval from the local 
planning and construction committee, so that certain actions are not subject to a building 
permit if they are carried out by a licensee who has been granted powers under Chapter F 
of the Communications Law if they are made according to an approved plan.  

Laying  ofnetwork  on  private  land  will  be  done  in  accordance  with  the  provisions  of  the 

40  It  should  be  noted  that  the  Ministry's  letter  states  that  the  Ministry's  decision  does  not  express  a  position  regarding  Bezeq's 
compliance with the service portfolio's provisions regarding the telephony service, and does not prevent the Ministry from taking 
supervision and enforcement procedures in this matter. 

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Planning and Construction Law, and requires the consent of the landowner, the tenant for 
generations or the protected tenant, as the case may be. 

Pursuant  to  the  provisions  of  the  Bezeq  Regulations  (Installation,  Operation  and 
Maintenance), 5745-1985, if Bezeq believes that the provision of a Bezeq service to the 
applicant  requires  the  installation  of  a  Bezeq  facility,  in  the  applicant's  premises  (or  in 
common premises), Bezeq may require the applicant as a precondition for providing the 
requested  Bezeq  service  to  assign  a  suitable  place  to  Bezeq  in  the  premises  for  the 
installation of the facility, for Bezeq use only, and it may provide service through the facility 
to other applicants as well. 

According to the Planning and Construction Regulations (Application for a Permit, its Terms 
and  Fees),  5730-1970,  an  applicant  for  a  permit  for  the  construction  of  a  residential 
building, it is mandatory to install infrastructure for telephone, radio, television and Internet 
services so that the customer can choose a provider of his choice. In commercial buildings, 
if communication facilities are installed, underground infrastructure will be laid. At the same 
time, Bezeq’s license (as well as the Hot Telecom and DBS licenses) was amended so that 
as long as Bezeq uses the internal threading (the part of the access network, installed in a 
person's premises and common premises, and intended to serve that person's premises 
only), it is obligated to provide a maintenance service for the internal threading installed by 
the permit applicant, without giving it any property rights in the internal threading. Regarding 
the draft amendment of these regulations for the purpose of imposing an obligation on the 
laying of infrastructure in favor of fiber, see section 2.16.12. 

2.16.6. Immunities and limitations of liability 

The  Minister  of  Communications  granted  Bezeq  certain  immunities  from  liability  for 
damages, listed in Chapter I of the Communications Law, in accordance with his authority 
to grant immunities to a general licensee. 

In addition, Article 13 of the Communications Law stipulates restrictions on criminal and 
civil liability in fact made in the framework of the fulfillment of a provision for the provision 
of services to the security forces by virtue of the article. 

2.16.7. Regulations and rules under the Communications Law 

As of the date of publication of the periodic report, Bezeq is subject to regulations in two 
other main areas: (1) cessation, delay or limitation of Bezeq operations and Bezeq services; 
(2) Installation, operation and maintenance. 

2.16.8. Laws of Economic Competition 

2.16.8.1  The  Competition  Commissioner  (in  this  section  -  "the  Commissioner") 

declared Bezeq as having a monopoly in these areas:  

a)  Basic 

telephone  services,  provision  of  communication 

infrastructure 
transmission  services  of  public 

services,  and 
broadcasts41. 

transmission  and 

b)  Providing fast-access services through subscriber access network42. 

c)  Providing fast access services to Internet providers through a central Bezeq 

public network. 

The declaration by the Commissioner of Bezeq as having a monopoly constitutes 
prima  facie  evidence  to  all  that  is  determined  in  it,  in  any  legal  proceeding, 
including in criminal proceedings.  

2.16.8.2  Bezeq  has  adopted  an  internal  enforcement  procedure  with  rules, 
guidelines and an internal reporting and control system, the purpose of which is 
to ensure that Bezeq and its employees' activities are carried out in accordance 
with the provisions of the Economic Competition Law. 

2.16.8.3  In  accordance  with  the  conditions  set  forth  in  the  approval  of  the 
Competition  Authority  dated  March  26,  2014  for  the  merger  (as  defined  in  the 
Economic Competition Law) between Bezeq and DBS, the following restrictions 

41   Announcement dated 30.7.1995. 
42   On November 10, 2004, the Commissioner split his announcement of December 11, 2000 in the field of Internet access infrastructure into 

two separate Announcements (Announcements B and C). 

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apply in relation to Bezeq and DBS: 

a)  Bezeq and any person related to it (in this section - "Bezeq") will not impose 
any restriction on the consumption of landline Internet infrastructure services 
resulting  from  the  customer's  cumulative  browsing  volume,  nor  will  they 
cause  a  restriction  or  block  of  the  customer's  ability  to  use  any  service  or 
application the Internet. 

b)  Bezeq will deduct from the payments of an Internet provider for its connection 
to  the  Bezeq  network  sums  for  the  provision  of  multi-channel  television 
services. 

c)  Bezeq  will  sell  and  provide  Internet  infrastructure  services  and  television 
services  on  equal  terms  to  all  Bezeq  customers  (sale  of  Internet 
infrastructure  services  as  part  of  a  basket  of  services  will  not  in  itself  be 
considered for sale on unequal terms). 

d)  Bezeq  and  DBS  will  cancel  all  exclusivity  arrangements  regarding  non-
original productions and will not be a party to such exclusivity arrangements 
(except in relation to a third party who has a license to broadcast at the time 
of the decision). In addition, for two years from the date of approval of the 
merger (which have since passed), Bezeq will not prevent any party (except 
those  who  have  a  broadcasting  license  at  the  time  of  the  decision)  from 
acquiring rights in original productions (does not apply to new productions). 

For  the  full  text  of  the  decision  of  the  Competition  Authority,  see  Bezeq's 
immediate report dated March 26, 2014. 

On  November  24,  2020,  the  Competition  Authority  published  an  amendment 
considered by it to the terms of the merger, in accordance with which, in light of 
changes in the market, which impose barriers to entry into multi-channel television 
and  the  entry  of  competition,  the  Commissioner  considers:  (1)  cancelling  the 
merger terms that require sale on equal terms to all Bezeq customers, whether or 
not they purchase additional communication services from Bezeq as mentioned 
in the section 2.16.8.3c); (2) to update the terms of the merger, which stipulates 
that Bezeq and Yes will cancel all exclusivity arrangements to which they are a 
party with respect to television content that is not original productions, and will not 
be parties to such exclusivity arrangements (as mentioned in section2.16.8.3d)), 
So that the section does not apply to the purchase of foreign content (excluding 
sports  content).  The  deadline  set  for  the  submission  of  comments  on  the 
proposed amendment to the terms of the merger was December 24, 2020. To the 
extent that the considered  amendment is carried out, it will allow DBS to sell a 
package  of  services  that  includes  a  television  service  and  Bezeq's  Internet 
services  in  an  unobtrusive  manner.  Regarding  the  sale  of  such  a  package  of 
services by Bezeq, it now requires the approval of the Ministry of Communications 
only. 

2.16.8.4  As  part  of  the  approval  of  the  merger  of  Bezeq  and  Pelephone  dated 
August 26, 2004 (as amended below), restrictive conditions were imposed, the 
main  of  which  is  the  prohibition  of  discrimination  in  favor  of  Pelephone  in  the 
supply of a product in which Bezeq is a monopoly, prohibition of the conditioning 
of the supply of certain products by one of the companies  with the purchase of 
products or services from the other and restrictions on certain joint activities. 

2.16.8.5  On  March  7,  2018,  Bezeq  received  a  notice  from  the  Competition 
Authority,  according  to  which  the  competition  commissioner  is  considering 
determining  in  accordance  with  its  authority  under  Article  43  (a)  (5)  of  the 
Economic Competition Law that Bezeq abused its position in violation of Article 
29A (a) and Article 29A (b) ( 3) of the law, and to impose financial sanctions on 
Bezeq  and  the  former  CEO  of  Bezeq  for  alleged  violation  of  the  provisions  of 
Article  29  of  the  law  and  of  the  provisions  of  the  aforementioned  sections. 
According  to  the  announcement,  the  evidence  in  its  possession  indicates  that 
Bezeq  allegedly  used  the  market  power  it  has  as  a  result  of  its  control  of  the 
passive  infrastructure  and  has  placed  barriers  on  new  players  seeking  to  use 
Bezeq's passive infrastructure in order to provide Bezeq with competing networks 
in  providing  communication  services  to  consumers,  in  a  way  that  could  have 
deterred  and  even  prevented  them  from  setting  up  an  independent  landline 
communications network or at least  delayed them and limited the scope of the 
network. According to the notice, Bezeq's actions raise concerns about harm to 

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the  final  consumer.  The  violations  alleged  against  Bezeq  are  the  blocking  of 
access to private areas and placing a demand for fiber cutting. 

from 

Following a hearing held in the matter, in which Bezeq and the former CEO of 
Bezeq presented arguments and evidence that there was no defect in their moves 
and  that  they  did  not  violate  the  Economic  Competition  Law,  on  September  4, 
2019,  Bezeq  received  a  determination  ("the  Determination") 
the 
Competition Commissioner regarding the abuse of Bezeq's position in violation of 
the provisions of Article 29A of the Economic Competition Law and the demand 
for payment under the provisions of Article 50H of the law of NIS 30 million from 
Bezeq and NIS 0.5 million from the former Bezeq CEO. On May 7, 2020, Bezeq 
filed an appeal on the Determination. The Competition Commissioner submitted 
a response to the appeal which was submitted to Bezeq on December 23, 2020, 
and Bezeq requested that its response be submitted 90 days after the end of the 
procedures for submitting to Bezeq the materials in the Authority's file or 90 days 
after presenting a full copy of the Commissioner's response to the appeal (since 
the copy transferred to Bezeq is partial), whichever is later. Along with receiving 
the  ruling,  Bezeq  also  received  a  notification  of  a  new  billing  intent  from  the 
Competition  Authority,  according  to  which  the  Competition  Commissioner  is 
considering imposing an additional financial sanction on Bezeq in the amount of 
NIS 8,285,810 due to non-response to the requirement to provide information and 
data and providing incorrect information, as part of an inspection conducted by 
the  Competition  Authority  in  connection  with  the  issue  of  the  Determination. 
Bezeq  submitted  its  comment  according  to  which  Bezeq  did  not  violate  the 
Economic  Competition  Law,  therefore,  there  is  no  need  to  exercise  any 
enforcement  powers  against  it  by  virtue  of  the  law,  and  the  Competition 
Commissioner  was  asked  not 
financial  sanction  under 
consideration.  In  addition,  Bezeq  claimed  that  even  if  it  had  been  possible  to 
determine that it had violated the Economic Competition Law in connection with 
this matter (and it did not), then the amount of the sanction under consideration 
was incorrect, and must be immeasurably lower than the amount considered. On 
July 24, 2020, the Competition Court approved an agreement between Bezeq and 
the  Competition  Commissioner  regarding  an  agreement  agreed  under  the 
Economic  Competition  Law  in  connection  with  the  announcement  of  a  bill  of 
intent,  according to which  Bezeq will pay the  State Treasury a total of NIS  4.2 
million  (“the  Agreement")  and  gave  it  the  validity  of  an  order.  As  part  of  the 
agreement, Bezeq admitted that it did not provide full information as required in 
meeting the data requirements of the Competition Authority in connection with the 
determination (before the determination was given), thereby violating  Article 46 
(b) of the Economic Competition Law, and on the other hand, Bezeq did not admit 
that  it  knew  at  the  time  of  the  response  that  the  information  provided  was 
incorrect.  The  Agreement  stipulates  that  subject  to  the  approval  of  the  order 
agreed  by  the  Competition  Court  and  the  payment  to  the  State  Treasury,  the 
Competition Commissioner or the Competition Authority will not take enforcement 
action against Bezeq or anyone on its behalf for violating the provisions of Article 
46  (b)  of  the  Economic  Competition  Law.  The  information  required  in  the 
examination  that  preceded  the  Determination  and  which  was  submitted  to  the 
(“the 
Competition  Authority  by  Bezeq  prior 
Arrangement").  It  should  be  emphasized  that  the  said  arrangement  does  not 
affect the continuation of the proceedings in the matter of the determination itself, 
for  which  Bezeq  filed  an  appeal  to  the  Competition  Court  on  May  7,  2020. 
Regarding  a  new  motion  for  approval  of  a  class  action  and  requirements  for 
exercising rights before filing a derivative claim, further to this Determination, see 
section2.18.1k. 

to  Bezeq's  Agreement 

impose 

the 

to 

2.16.8.6  On January 10, 2019, an amendment to the Economic Competition Law 
entered into force (as part of this amendment, the name of the law was changed 
from the  Antitrust  Law  to the "Economic Competition Law"), the  main  points of 
which are:  

a) 

Imposing  an  independent  and  increased  duty  on  officers  to  monitor  and 
prevent violations of the law. 

b)  Aggravation of criminal punishment for a restrictive arrangement - five years 

imprisonment without the requirement of aggravating circumstances. 

c)  Raising the ceiling for the imposition of a financial sanction of up to NIS 100 

million (for each violation). 

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d)  Another definition for "monopolist", based on a market power test (in addition 

to the alternative of those who hold more than 50% market share).  

e)  Raising  the  aggregate  sales  turnover  threshold,  which  requires  merger 

announcements to NIS 360 million.  

2.16.9. Telegraph Order 

The government is addressing the existing shortage of radio frequencies for public use in 
Israel (due in part to the allocation of many frequencies for security uses), by limiting the 
number of licenses that can be used for frequencies, and by providing incentives for the 
efficient use of frequencies.  

The  Telegraph  Order  regulates  the  use  of  the  electromagnetic  spectrum,  and  applies, 
among  other  things,  to  Bezeq's  use  of  radio  frequencies,  as  part  of  its  infrastructure. 
Establishment and operation of a system that uses radio frequencies is subject, under the 
Telegraph Order, to licensing, and the use of radio frequencies is subject to the commission 
and allocation of an appropriate frequency. According to the Telegraph Order, license fees 
and fees are imposed for the Frequencies Committee and their allocation. 

2.16.10.  Establishment of communication facilities 

The National Communications Outline Plans, National Outline Plan 36 (within the Green 
Line)  and  National  Outline  Plan  56  (in  the  Territories)  are  intended  to  regulate  the 
deployment and manner of construction of communications facilities in such a way as to 
enable transmission and reception of radio, television and wireless communications, while 
preventing radiation and minimizing environmental and landscape damage, and with a view 
to simplifying and streamlining the construction processes of the facilities. 

Bezeq has established and is setting up transmission facilities and wireless communication 
facilities  for  the  transmission  services  of  its  customers,  and  also  uses  wireless 
communication facilities mainly for the purpose of providing services to areas that are not 
connected to the fixed communication infrastructure (remote areas or new localities). 

National Outline Plan 36 - Communication facilities within the Green Line 

The  classification  of  the  facilities  according  to  their  technical  variables  and  physical 
dimensions, which ultimately affect the determination of safety ranges for protection against 
radiation effects and the degree of their prominence in the landscape, determined which 
facilities will be included in Part A of  National Outline Plan 36 and in Part B of the plan. 
National Outline Plan 36 deals with guidelines for the construction of small and miniature 
broadcasting  facilities  and  Part  B  deals  with  guidelines  for  the  construction  of  large 
broadcasting facilities.  

Bezeq  has  issued  building  permits  for  most  of  the  small  transmission  facilities  in 
accordance  with  National  Outline  Plan  36A.  From  time  to  time,  there  is  a  need  to  add 
transmission  facilities  that  require  the  issuance  of  building  permits  in  accordance  with 
National Outline Plan 36A. Bezeq believes that it is not obliged to obtain building permits 
for  miniature  broadcasting  facilities,  due  to  the  exemption  granted  in  this  matter  in  the 
Planning and Construction Law and in the Communications Law with respect to "wireless 
access facilities" (which  include the  miniature broadcasting  facilities). It should  be noted 
that in 2008 a draft was submitted for the amendment of National Outline Plan 36A, which 
concerns a change in the guidelines for licensing small and miniature transmission facilities. 
As of this date, the draft has not been adopted. 

NAP 56 - Communication facilities in the Territories 

National  Outline  Plan  56  regulates  the  manner  of  construction  and  licensing  of 
communications  facilities  in  the  Territories.  The  plan  includes  transitional  provisions  to 
facilities established in the permit and to existing facilities. 

The  plan  includes  a  requirement  to  obtain  a  communications  license  and  to  obtain  the 
consent of the Commissioner of Government Property in the Civil Administration.  

Bezeq has regulated the licensing of 71 facilities located in the Territories and which are 
owned by Bezeq (there are a few additional sites that have not been regulated). In addition, 
Bezeq  also  arranged  with  the  Communications  Officer  in  the  Civil  Administration  the 
licensing of the facilities located in the premises of the customer in accordance with the 
requirement that the Communications Officer sent to Bezeq in November 2016. 

Radiation permits 

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Regarding radiation permits for communication and transmission facilities, see section2.15. 

Exemption from the permit to add antennas to legally existing transmission facilities 

Addition of an antenna to a legally existing transmission facility is exempt from obtaining a 
permit  subject  to  the  existence  of  cumulative  conditions  and  exceptions  specified  in  the 
Planning and Construction Regulations (exemption from the permit). 

2.16.11.  Consumer legislation 

Regarding consumer legislation applicable to Bezeq, see section 1.7.4.5. 

2.16.12.  Fiber - Ultra-broadband landline infrastructure 

2.16.12.1 Amendment  to  the  Communications  Law  to  regulate  the  "advanced 

network" deployment 

Following  a  public  appeal  and  hearings  published  by 
the  Ministry  of 
Communications, the recommendations of the report of the inter-ministerial team 
on  examining  the  policy  of  deploying  ultra-broadband  landline  infrastructure  in 
Israel,  and  their  adoption  with  a  number  of  changes  by  the  Minister  of 
Communications and a government decision on the matter – on December 24, 
2020, an amendment to the Communications Law was published. The following 
are the main points of the amendment to the law: 

Obligation to deploy and provide service to non-general public throughout 
Israel: 

1. Bezeq may select the statistical areas in which it seeks to deploy an advanced 
network (which is not based on its metallic network) and provide it with an Internet 
access service even though not to the general public throughout Israel. This, in a 
notice that Bezeq will submit to the Minister of Communications within five months 
from January 1, 2021. The Minister may extend this period by up to two months. 
The Minister will determine in Bezeq’s license the obligation to deploy and provide 
an  Internet  access  service  to  anyone  who  requests  it  in  a  service  area  that 
includes all the areas Bezeq has chosen, in accordance with the conditions to be 
determined, including milestones for deployment. 

"Advanced network" - a network based on fiber optics that reaches the end point 
of a network in an end user's apartment, or an equivalent network in terms of the 
level of service that can be provided according to criteria ordered by the Minister 
and  published  on  the  Ministry  of  Communications'  website;  For  this  purpose, 
"apartment"  -  a  room  or  compartment,  or  a  system  of  rooms  or  compartments 
intended to serve as a complete and separate unit for residence, business or any 
other need, including a ground-level apartment; 

2.  Bezeq  will  meet  the  deployment  obligation  in  all  areas  listed  in  its 
announcement no later than the end of six years from (1) the date on which Bezeq 
began providing paid Internet access service over the advanced network, (2) the 
date of determination of the Bezeq license obligation, whichever is earlier. 

3. The Minister may not prescribe a deployment obligation in a Bezeq license and 
consider  it  as  if  no  Bezeq  notice  was  given  -  if  it  is  found  that  Bezeq's 
announcement includes a limited number of areas that indicate that the choice of 
areas was made for reasons of economic viability and that this would significantly 
impair  the  ability  to  bring  about  the  nationwide  deployment  of  an  advanced 
network. Bezeq will be entitled to deliver a new notice provided that the time limit 
for submitting such notice has not yet expired. 

4. Once the obligation in the Bezeq license has been determined regarding the 
said  service  area,  a  holder  of  a  general  NIO  license  other  than  Bezeq  (for 
example Hot) will be entitled to deploy an advanced network (which is not based 
on his metallic access network) and to provide Bezeq service collection not to the 
general public throughout Israel and not least in the service area. The Minister 
may  prescribe  conditions  for  deployment  and  the  provision  of  the  service  in 
licenses. 

5.  The  Minister  may  permit,  in  Bezeq  and  other  general  NIO  licenses,  the 
provision of service on their metallic access network that has been upgraded to 
an advanced network, not to the general public throughout Israel and not least in 
the service area, provided it contributes to competition and service.  

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Incentives for deployment in the incentive areas  

6. After determining the obligation as stated in the Bezeq license, an incentive 
fund  will  be  opened,  which  will  be  managed  by  the  Accountant  General  in  the 
Ministry  of  Finance,  in  order  to  encourage  deployment  while  participating  in 
statistics in areas not chosen by Bezeq for deployment ("incentive zones").  

7.  In  the  fund  will  be  deposited  annual  mandatory  payments  from  obligated 
bodies, including Bezeq, at a rate of 0.5% of the annual income of such bodies. 
The Minister of Communications, with the consent of the Minister of Finance and 
with the approval of the Economy Committee, can change this rate. 

8.  The  Minister  may  prescribe  in  the  regulations  a  reduced  rate  for  the  use  of 
Bezeq's passive infrastructure (including dark fiber) in the incentive areas, and in 
an area that is not an incentive area and is not Bezeq's deployment area or is 
used by Bezeq for deployment, if the infrastructure is used for deployment in the 
incentive area.  

Tenders for the allocation of incentive fund money 

9. The allocation of the incentive fund money will be through tenders. Under the 
terms  of  the  tenders,  the  Tenders  Committee  may  determine  a  threshold 
condition for participation in the tender, including a condition according to which 
the tenderer must be a licensee. 

10. The only criterion for selecting winners in the tenders will be the ratio between 
the number of households in the incentive areas in the bidders' proposals and the 
amounts from the incentive fund that will be allocated as part of the tenders. No 
weight  will  be  given  to  the  geographical  location  of  the  incentive  areas  in  the 
bidders'  proposals  or  to  the  characteristics  of  the  households  in  the  incentive 
areas. 

11. In the first three years of the incentive fund's activity, the Minister may order 
that the minimum percentage of households in the incentive areas to be included 
in the bidders' proposals - which does not exceed 15% of the households to be 
distributed  in  incentive  areas  per  year  -  be  in  geographical  areas;  Lack  of 
economic and social resilience and level of services in the field; Low population 
density  in the same  field;  Its geographical  location  or distance from population 
centers and the center of Israel; The need to reduce disparities. 

12. The license of the winner of the tender will stipulate an obligation to deploy 
an advanced network in a service area that includes the incentive areas which it 
won, including an obligation to provide Internet access service on the network to 
any one who requests them in the area (even if it has a unique general license). 
With regard to the determination of an obligation as aforesaid in the area of Judea 
and  Samaria,  the  provisions of the law in this matter applicable  in the area of 
Judea and Samaria shall apply. 

Prohibitions  on  Bezeq  and  an  affiliated  corporation  in  relation  to  the 
incentive areas  

13.  Bezeq  and  any  corporation  with  an  affiliation  to  Bezeq  are  not  allowed  to 
participate in the tender for the allocation of the incentive fund's money, and will 
be  able  to  deploy  and  provide  service  in  the  incentive  area  on  an  advanced 
network that deployed only five years after the obligation to deploy. 

14. Bezeq and an affiliated corporation may not deploy an advanced network in 
the  incentive  areas  and  provide  Bezeq  services  on  an  advanced  network  they 
deployed, unless the Minister allowed Bezeq, at its request, to do so in incentive 
areas for which the fund money have not yet been allocated, provided that 10% 
of households in areas included in the statistical areas selected by Bezeq. 

15.  The  above  limitations  do  not  detract  from  the  possibility  for  Bezeq  or  an 
affiliated corporation to deploy an advanced network in the incentive area in order 
to provide a Bezeq service to a business subscriber, or to provide a service to a 
business subscriber on an advanced network deployed. 

Internal threading 

16.  Ownership  of  the  internal  threading  shall  be  that  of  the  subscriber  whose 
threading is used for his premises only. A licensee may demand a reasonable fee 
for its installation.  

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Sanctions 

17. The authority of the Director General of the Ministry of Communications to 
impose  a  financial  sanction  of  up  to  10  times  the  basic  amount  for  violating  a 
license  provision  regarding  the  obligation  to  deploy  an  advanced  network  or 
provide a service for it. 

2.16.12.2  Rates in service over ultra-broadband fiber infrastructure 

Regarding  the  determination  of  a  uniform  price  for  fiber-optic-based  Internet 
services (FTTP)  - on June 25, 2020, the  Ministry of  Communications  issued a 
decision at a hearing according to which in providing fiber-optic Internet access 
services to the residential building (FTTH) for private subscribers, licensees will 
not  be  able  to  offer  subscribers  offers  on  different  terms  or  at  different  rates, 
depending on In the proposed infrastructure. The decision further stated that what 
was stated in the letter from the Director General of the Ministry dated February 
23, 2015 (which included clarification that the type of infrastructure offered would 
constitute  a  reasonable  characteristic  justifying  the  differentiation  of  one 
subscriber  group  from  another)  would  continue  to  apply  to  non-fiber  internet 
access services to the residential building. 

In the matter of service rates of wholesale BSA on the Bezeq network - Following 
a  hearing  on  setting  a  maximum  rate  for  a  managed  ultra-broadband  access 
service on the Bezeq fiber network, the Minister of Communications' decision was 
published on August 25, 2020, according to which the Minister decided to adopt 
the Ministry's professional echelon’s recommendations, and subsequently came 
into force the Communications Regulations Bezeq and Broadcasts (Use of NIO 
Public Network) (Amendment No. 2), 5742-2020, which sets the maximum rates 
for  an  ultra-broadband  access  service  managed  on  Bezeq's  fiber  network. 
Accordingly, the maximum rate for BSA service via fiber for accessibility and data 
transfer service at a cumulative rate of up to 550 megabits / second will be NIS 
71  per  customer  per  month  (excluding  VAT),  and  for  accessibility  and  data 
transfer services  at  a cumulative rate above  550 megabits / second and up to 
1,100 megabits / second - 79 NIS per customer per month (excluding VAT). The 
regulations do not set a supervised  rate for the  initial  installation of an internal 
cable  to  the  subscriber  premises,  and  Bezeq  will  be  entitled  to  demand  a 
reasonable payment for this service (the rates are stated in June 2020 prices and 
will  be  updated  once  a  year  on  January  1,  starting  in  2021.  According  to  the 
recommendation  of the professional  team  in the Minstry, the said rates will be 
valid for a period of three years and then will be replaced by a fixed rate. 

2.16.12.3 Joint use of fiber optic infrastructure in existing residential buildings 

On July 27, 2020, the decision of the Ministry of Communications dated July 22, 
2020 was announced at the hearing. In accordance with the decision, a directive 
was issued regarding the manner of sharing fiber-optic infrastructure in existing 
residential  buildings,  which  includes,  among  other  things,  the  principles  for 
shared use (including the obligation to contact an interior operator that lays the 
fiber infrastructure in a residential building where there is no fiber infrastructure 
for  any  other  interior  operator  in  the  proposal  to  make  joint  use  of  the  fiber 
infrastructure to be deployed in the building), the procedure for making shared 
use,  principles  for  determining  payment  for  shared  use  (based  on  the  cost  of 
establishing  the  fiber  infrastructure  plus  a  reasonable  premium  for  the 
participating  operator),  the  need  to  reach  an  agreement  between  the  interior 
operators  regarding  the  level  of  service  and  maintenance  of  the  fiber  and  the 
prohibition of discrimination. The decision also states that the determination of an 
arrangement  for  the  joint  use  of  existing  buildings  in  which  fiber-optic 
infrastructure  has  already  been  deployed  will  be  examined  by  the  ministry 
separately,  and  that  the  need  for  adjustments  in  the  inter-ministerial  team's 
recommendations  for  examining  the  deployment  of  ultra-broadband  stationary 
communications infrastructure adopted by the Minister of Communication on July 
15,  2020  (see  this  section).  In  this  regard,  see  also  Bezeq's  immediate  report 
dated July 27, 2020, which is included in this report by way of reference. 

With regard to deployment in new residential buildings, a draft amendment to the 
Planning  and  Construction  Regulations  (application  for  permit,  conditions  and 
fees) was distributed, which stipulates, among other things, provisions regarding 
the installation of communications infrastructure in new buildings. According to 

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includes  coaxial  cable  (used 

the explanatory memorandum to the draft amendment, according to the current 
wording of the regulations, the communications infrastructure currently installed 
in  new  buildings 
for  cable  and  satellite 
transmissions)  as  well  as  additional  communications  infrastructure  of  copper 
cables used for telephony and Internet. This amendment is intended to establish 
provisions  regarding  the  establishment  of  advanced  fiber-optic  communication 
infrastructure  in  new  buildings  by  the  contractors  already  at  the  time  of 
construction. On August 17, 2020, Bezeq submitted professional comments on 
the draft amendment to the regulations. 

2.16.12.4  On  January  19,  2021,  the  Director  General  of  the  Ministry  of 
Communications announced the appointment of a dedicated team aimed at the 
existence of an active and effective wholesale market on advanced networks. 

2.17. Substantial agreements 

The following is a concise description of material agreements, not in the ordinary course of Bezeq's 
business, that were signed during the period of the periodic report and / or that were in force during 
the said period:  

2.17.1. Real estate 

2.17.1.1  Agreement on the transfer of assets between Bezeq and the state dated 

January 31, 1984 

An  agreement  between  the  state  and  Bezeq,  according  to  which  Bezeq  was 
granted the State’s rights in assets available to the Ministry of Communications 
for the provision of Bezeq services, and Bezeq replaced the state with respect to 
the rights in the said assets and regarding the obligations and duties relating to 
those  rights  on  the  eve  of  the  agreement.  In  addition,  according  to  the  said 
agreement, Bezeq was transferred the rights, powers, obligations and duties of 
the State under the agreements, as well as the agreements and transactions that 
were  valid  in  the  field  of  Bezeq  services  on  the  eve  of  the  beginning  of  the 
agreement. 

2.17.1.2  Settlement agreement dated May 15, 2003 between Bezeq and the State 
and the Israel Land Administration regarding the rights relating to the land. See 
section2.7.4.3. 

2.17.1.3  Agreement between Bezeq and the Postal Authority (now the Israel Postal 

Company) dated June 30, 2004  

An  agreement  between  Bezeq  and  the  Postal  Authority  for  the  definition  and 
regulation of Bezeq and the Postal Authority in their joint assets. The agreement 
specified the common assets and defined the share of each party in them. It is 
stipulated that each of the parties will have exclusive rights in part, except in the 
matter of rights in common property, building rights or rights in respect of which 
it is expressly stated otherwise. The agreement stipulates, among other things, a 
mechanism of the right of refusal if a party wishes to make a sale transaction and 
a right of way in the matter of a lease transaction. With respect to a number of 
additional assets it has been determined that the sole rights holder in them, in its 
entirety, will be one determined party. 

2.17.2. Employment agreements 

2.17.2.1  A comprehensive pension agreement dated September 21, 1989 between 
Bezeq, the Histadrut and the Joint Representation of the Employees' Committees 
and  the  Makefet  Fund  for  Pension  and  Benefits  Cooperative  Association  Ltd. 
stipulates  a  complete  and  autonomous  arrangement  regarding  the  pension 
insurance  of  Bezeq  employees.  The  agreement  applies  to  all  transferred 
employees  (transferred  from  the  Ministry  of  Communications  to  Bezeq),  to  all 
members of the accruing pension fund who were employed by Bezeq on the day 
the  pension  agreement  was  signed,  and  to  all  permanent  and  temporary 
employees at Bezeq, except special groups of employees.  

2.17.2.2  A special collective agreement  for early retirement dated November 23, 
1997, as amended and extended on September 4, 2000, March 18, 2004, April 
17, 2005 and June 28, 2005 between Bezeq and the Histadrut and the employees’ 
representatives.  

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A collective agreement for the early retirement of employees in the pension track 
and in the increased compensation track in which Bezeq employees previously 
retired.  The  collective  agreement 
in 
section2.17.2.6  is  based,  inter  alia,  on  this  agreement.  For  information  on  this 
matter  and  on  the  subject  of  early  retirement,  see  also  Note  17  to  the  2020 
statements.  

from  December  2006  specified 

2.17.2.3  Anchoring rights agreement dated September 4, 2000 between Bezeq and 

the Histadrut and the employees' representatives 

A special collective agreement, among other things, regarding the anchoring of 
the rights of the transferred employees (who were transferred from the Ministry 
of  Communications  to  Bezeq).  This  agreement  enshrines  the  rights  of  the 
transferred employees, to receive any entitlement to pensions that arose for them 
as former civil servants under Bezeq's pension agreement, which were adopted 
by  Bezeq  under  its  pension  agreement.  Under  this  agreement,  these  rights 
become "personal rights" that cannot be revoked, except in a way that a personal 
right can be waived by law (that is, through a personal waiver by the employee). 

2.17.2.4  "Generation  2000"  agreement  dated  January  11,  2001  between  Bezeq 

and the Histadrut and the employess' representatives 

Following  an  amendment  from  July  2000  to  the  Employment  of  Workers  by 
Manpower  Contractors  Law  (Amendment),  5760-2000,  a  special  collective 
agreement was signed on January 11, 2001 for the absorption of new employees 
and the determination of their wage conditions. The agreement applies to new 
employees  and  employees  who  were  previously  employed  by  Bezeq  through 
manpower companies in the positions specified in the appendix to the agreement 
(for  example,  customer  service  representatives  at  call  centers, 
typists, 
warehouses, secretaries, sorters and mail distributors, porters, drivers and forklift 
operators, etc.). As part of the special collective agreement from December 2006 
(see section 2.17.3.6), it was agreed that the "Generation 2000" agreement will 
not apply to such employees who were absorbed into Bezeq from July 1, 2006 
onwards.  It  was  also  agreed  to  introduce  insignificant  changes  in  the  terms  of 
employment of employees who were hired in accordance with the "Generation 
2000" agreement. 

2.17.2.5  Agreements with alternative entities in place of a comprehensive fund with 

regard to early retirement arrangements for Bezeq employees 

As of 2005, early retirement arrangements for Bezeq employees are carried out 
through alternative entities instead of a comprehensive fund. 

On April 24, 2014, Bezeq signed an agreement with Menora Mivtachim Insurance 
Ltd. ("Menora") for the arrangement of pension payments for early retirement of 
Bezeq employees, as well as the differences in old-age and survivors' pension 
payments,  to  employees  retiring  from  Bezeq  in  accordance  with  a  special 
collective agreement signed between Bezeq, the employees’ representative and 
the Histadrut on February 12, 2014. The insurance policy was approved by the 
Supervisor of Insurance and came into effect on March 31, 2016. Accordingly, as 
of  May  1,  2016,  Menora  is  issuing  policies  to  retiring  employees,  and  benefit 
payments and related payments are paid on the basis of these policies. The term 
of the agreement (after being extended twice) is until the end of 2021. 

2.17.2.6  A special collective agreement from December 2006 and amendments to 

it, see section 2.9.4. 

2.18. Legal Proceedings 

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Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

reporting  policy 

Bezeq's 
is  based  on  qualitative  considerations  and  quantitative 
considerations. Bezeq decided that the quantitative materiality threshold in relation to events 
affecting the net profit would be an effect of about 5% and more on Bezeq's net profit, after 
deducting the effects of events outside the ordinary course of business which have a one-off 
effect on Bezeq results such as impairment of assets, cancellation of tax assets, provisions 
for  retirement,  capital  gains,  etc.,  According  to  Bezeq's  most  recent  consolidated  annual 
statements.  Therefore,  in  the  absence  of  relevant  qualitative  considerations,  this  section 
describes legal proceedings to the extent of NIS 65 million or more43, before tax, as well as 
legal  proceedings  in  which  the  amount  claimed  is  not  specified  in  the  statement  of  claim, 
unless it is a claim that does not reach the aforementioned quantitative threshold (and all  - 
unless  Bezeq  assesses  additional  aspects  or  consequences  of  the  procedure  beyond  its 
financial scope). With regard to class actions, attention is drawn to the fact that the filing of 
class actions in Israel does not involve the payment of a fee as a derivative of the amount of 
the claim. Thus, the claim amounts in such claims may be significantly higher than the actual 
exposure volume in respect of those claims. 

2.18.1. Procedures are pending 

Date 

Sides 

Court 

a. 

 January 
2015 

Sharehold
er vs. 
Bezeq and 
former 
Bezeq 
executives 

District 
(Tel 
Aviv - 
Econo
mics 
Depart
ment) 

Type of 
procedu
re 

Motion 
for 
approval 
of a class 
action 

Claim 
amount 
(NIS 
millions) 
687 

Details 

the 

from 

investing  public"  regarding 

Claim for compensation of shareholders for losses alleged 
to have been caused by "Bezeq's failure to report to the Tel 
Aviv  Stock  Exchange  and  concealment  of  material 
information 
two 
significant and material moves: "Reduction of reciprocal link 
fees" and "Wholesale market reform". 
On  August  27,  2018,  the  decision  of  the  Economic 
Department  of  the  Tel  Aviv  District  Court  was  approved, 
approving  the  claim  as  a  class  action  ("the  Approval 
Decision").  With  regard  to  the  cause  in  the  wholesale 
market matter, the Group was defined as having purchased 
Bezeq shares as of June 9, 2013 and holding Bezeq shares 
(in whole or in part) until the date of filing the lawsuit. In this 
matter,  the  Court  ruled  that  the  petitioner  proved  the 
existence of alleged damage, due to the fact that during the 
period of the discovery, Bezeq shares fell by 10%, but the 
calculation  of  the  damage  itself  will  be  made  during  the 
hearing in the main case. With regard to the reason for the 
reduction of the connectivity fee, the Group was defined as 
the  one  that  purchased  Bezeq  shares  as  of  February  28, 
2013 and held them until May 29, 2014. In this matter, the 
Court ruled that no impairment was recorded that could be 
attributed  to  the  discovery  of  the  deception,  but  that  the 
applicant should be allowed to prove the damage alleged by 
her in the main case. 
On October 28, 2018, Bezeq and the defendants submitted 
to the Economic Department of the Tel Aviv District Court a 
request  for  a  reconsideration  of  the  approval  decision  in 
which  the  Court  was  requested  to  revoke  the  approval 
decision  and  reject  the  application  for  approval  of  a  class 
action.  
On December 1, 2019, a ruling was given in the retrial, which 
stated as follows: 
1. In  the  matter  of  reducing  the  interconnectivity  fee  -  the 
Court  granted  the  motion  as  far  as  claims  concerning 
reports  of  reduction  of  the  interconnectivity  fee  were 
concerned, after concluding that the plaintiff had not even 
ostensibly proved the existence of damage as a result of 
the reduction of the reciprocal link fee, and therefore there 
was no need to approve the class action on this ground. 

43   In order to examine the compliance of the claim amounts with the said threshold, the amounts were linked to the 
consumer  price  index.  The  amounts  specified  in  this  section  are  the  original  amounts  (excluding  linkage 
differences). With regard to the aforesaid threshold, in the case of similar proceedings against several companies 
in the Group, the amount of the claim may be examined cumulatively in respect of all the proceedings together. 
It is also clarified that if certain proceedings largely concern common legal or factual issues, or it is known that 
such  issues  are  examined  or  considered  together,  then  for the  purpose  of  meeting  the  quantitative  materiality 
threshold as stated in these sections, the amount involved in all those proceedings together.  

80 

 
 
 
 
 
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Date 

Sides 

Court 

Type of 
procedu
re 

Details 

Claim 
amount 
(NIS 
millions) 

2. In  the  matter  of  wholesale  market  reform  -  the  Court 
denied  the  motion  in  relation  to  the  defendants'  claims 
regarding the reports about the wholesale market reform. 
At the same time, regarding the definition of the group of 
plaintiffs,  the  Court  accepted  the  defendants'  claim  that 
the  date  June  9,  2013  is  irrelevant  in  relation  to  the 
alleged misrepresentation in the report dated Janury 16, 
2014 (reporting the decision on the list of services and the 
price hearing document) and ruled that a distinction must 
be made between the ground relating to this report and 
the  ground  relating to  the  allegation  of lack  of  reporting 
regarding the receipt of a hearing document for the list of 
services  dated  June  9,  2013.  Accordingly,  the  Court 
reduced the definition of the group of plaintiffs in relation 
to  the  report  dated  January  16,  2014  for  all  those  who 
purchased Bezeq shares (except the respondents and / 
or those on their behalf) as of January 16, 2014 (instead 
of  June  9,  2013)  and  held  these  shares  (in  whole  or  in 
part) during the period between January 15 and 20, 2014. 
Following the Court’s proposal and with the consent of the 
parties, the case was referred to mediation but the mediation 
was unsuccessful. 
On July 12, 2020, an amended statement of claim was filed 
that includes amendments, including deletion of the matter 
of  reducing  the  interconnectivity  fee  and  reducing  the 
definition of the group of plaintiffs regarding the wholesale 
market  reform,  following  the  Court  ruling  in  the  retrial.  In 
addition, the total amount of the claim was amended and it 
is estimated by the plaintiff in the amount of NIS 687 million 
(instead of a total amount of NIS 2 billion according to the 
"financial  damage"  method  or  alternatively  NIS  1.1  billion 
according  to  the  "approximate  financial  damage"  method. 
The statement of claim has not been amended). It should be 
noted  that  the  amended  statement  of  claim  was  not 
accompanied by an economic opinion. 

Motion against Bezeq, as well as against Mr. Shaul Elovich, 
former controlling shareholder and chairman of the board of 
Bezeq against directors of Bezeq at the relevant times who 
voted in favor of Bezeq's engagement in the transaction that 
is  the  subject  of  the  motion  as  detailed  below  (“the 
Respondents"). 
The matter of the application, according to what is alleged in 
it,  IS  Bezeq's  decision,  through  the  respondents,  to  enter 
into  a  transaction  for  the  purchase  of  full  holdings  and 
shareholder loans of Eurocom DBS (a company under the 
indirect control  of  Bezeq's controlling shareholder)  in  DBS 
for NIS 680 million in Cash and contingent consideration of 
up to an additional NIS 370 million.  
According  to  the  applicant,  the  consideration  that  was 
expected to be paid for the transaction is excessive, and the 
Respondents' decisions to enter into the transaction caused 
Bezeq a great deal of damage after they violated their duties 
of care and reliability to Bezeq, and were negligent in their 
role.  It  was  also  alleged  by  the  applicant  that  Bezeq's 
controlling  shareholder  had  breached  its  duty  of  fairness, 
and  that  Bezeq  had  breached  the  duty  of  disclosure  and 
reporting  regarding  the  trustee's  commitment  to  Eurocom 
DBS's holdings in DBS to sell the holdings beginning at the 
end of March 2015. 
In light of the aforesaid, the petitioner requests that the Court 
approve the filing of a derivative claim on behalf of Bezeq 
against the Respondents for the claim for damage caused 
to  us  by  Bezeq  as  a  result  of  the  Respondents'  decisions 
regarding the transaction in the amount of NIS 502 million. 
on July 3, 2017, the Court approved the filing of an amended 
motion  by 
includes  additional 
allegations  relating,  inter  alia,  to  the  independence  of  the 
entities that advised Bezeq, alleged defects in the work of 

the  applicant,  which 

81 

502 

b. 

 March 
2015 

Sharehold
er vs. 
Bezeq 
and 
former 
Bezeq 
executive
s 

District 
(Tel 
Aviv - 
Econo
mics 
Depart
ment) 

Motion 
for 
approval 
of a 
claim as 
a 
derivativ
e claim 
together 
with a 
derivativ
e claim 
statemen
t 

 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

Date 

Sides 

Court 

Type of 
procedu
re 

Details 

Claim 
amount 
(NIS 
millions) 

the Audit Committee, the Board of Directors and the general 
meeting, and alleged defects resulting from Eurocom being 
represented by Bezeq directors. 
In light of the Securities Authority's investigation, inter alia, 
regarding the engagement that is the subject of this lawsuit 
(see  section1.1.7)  and  the  position  of  the  Securities 
Authority that it was improper to delay the proceedings, the 
Court  decided  to  delay  the  proceedings  in  this  case.  On 
January  17,  2021,  the  Attorney  General  announced  his 
appearance in the proceedings (regarding the delay of the 
proceedings and not the body of the proceedings). Following 
the Attorney General's request, the procedure is delayed at 
this stage until September 6, 2021, in light of the Securities 
Authority's investigation and indictments filed later in it (see 
section1.1.7). 
Regarding  motions  for  disclosure  of  documents  before 
submitting an application for approval of a derivative claim 
that  the  Court  ordered  to  unite  in  April  2018,  see 
subsectionh. 

Novembe
c.  s
s
r 2015 
s 
And 
March 
2018 

Customer 
against 
Bezeq 

Central 
District 
Court 

Two 
claims 
together 
with 
motions 
for 
approval 
as class 
actions 

556 in the 
motion 
from 
Novembe
r 2015  
and 258 
in the 
motion 
from 
March 
2018 

The motion from November 2015 - It is alleged that Bezeq 
abused  its  monopolistic  position,  inter  alia,  by  "preventing 
and blocking the existence of competition in general and the 
existence  of  effective  competition  in  the  communications 
market in Israel" and acted to delay and thwart the wholesale 
market  reform,  thereby  harming  the  Israeli  public  and 
earning  unreasonable  profits  as  a  result  of  the  abuse  of 
power  as  a  monopoly.  According  to  the  plaintiffs,  the 
damage caused by Bezeq to the communications market in 
Israel  is  reflected  in  Bezeq's  excess  and  unreasonable 
profitability, and they seek to claim damage in the amount of 
NIS  800  million,  which  they  claim  is  based  on  10%  of 
Bezeq's  excess  operating  profit  due 
to  abuse  of 
monopolistic  power.  The  plaintiffs  set  the  amount  of  the 
claim  at  NIS  556  million,  after  a  reduction  of  the  amount 
claimed  in  another  proceeding  (which  in  the  meantime 
ended in departure). 
In December 2017, the  Court approved the attachment as 
evidence  in  the  case  of  an  immediate  report  published  by 
Bezeq on October 22, 2017, in which Bezeq reported on a 
final  inspection  report  by  the  Ministry  of  Communications 
regarding  the  implementation  of  a  wholesale  telephony 
service  and an  announcement  of  an  intention  to  impose  a 
financial  sanction.  In  December  2018,  the  Ministry  of 
Communications imposed a financial sanction in the amount 
of  NIS  11  million  on  Bezeq  (for  these  matters,  see 
section2.16.4.4).  
On March 3, 2019, Bezeq informed the Court that in light of 
the  expected  change  of  case  in  the  case  as  soon  as  the 
request  for  approval  is  received,  it  agrees  to  the  Court's 
proposal to approve the motion to conduct the class action 
without a reasoned decision by the Court and preserving all 
the  same 
its  claims. 
announcement, Bezeq informed the Court that on February 
25,  2019,  it  filed  an  administrative  petition  against  the 
decision  of 
the  Ministry  of 
Communications  from  December  2018  described  above. 
Subsequently,  on  March  5,  2019,  the  Court  approved  the 
motion to conduct the class action lawsuit and clarified that 
all the parties' claims are reserved for them to discuss the 
lawsuit itself and that all evidence and investigations heard 
in the motion for approval will form part of the evidence in 
the class action lawsuit. 
The  motion  from  March  2018-  a  motion  similar  to  the 
November 2015 motion submitted by the same applicants in 
which it was also alleged that Bezeq abused its monopolistic 
inter  alia,  by  preventing  competition  in  the 
position, 
communications market, thereby harming the Israeli public 
and gaining unreasonable profits as a result of abusing its 

the  Director  General  of 

It  should  be  noted 

that 

in 

82 

 
 
 
 
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Date 

Sides 

Court 

Type of 
procedu
re 

Details 

Claim 
amount 
(NIS 
millions) 

monopoly power. While in the motion from November 2015 
the  remedies  and  damages  claimed  related  to  the  date  of 
filing  the  same  motion,  in  this  motion  the  remedies  and 
damages  defendants  relate  to  the  period  from  the  date  of 
filing  the  application  from  November  2015  to  the  end  of 
2017, in view of the plaintiffs' claim In addition to the abuse 
of power by Bezeq, there were also "acts of corruption and 
unlawful  acts  and  foreign  and  improper  purposes  of  the 
Director  General  of  the  Ministry  of  Communications". 
According to the plaintiffs, the damage caused by Bezeq to 
the communications market in Israel is reflected in Bezeq's 
excess and unreasonable profitability. The damage claimed 
in the amount of NIS 258 million is also based in this motion 
on 10% of Bezeq's excess operating profit resulting from the 
claim  regarding  the  abuse  of  its  monopolistic  power  (in 
addition to the damage claimed in the previous application). 
On May 31, 2018, Bezeq submitted a  request to delay the 
procedure in light of the Securities Authority's investigation 
(see  section1.1.7).  In  light  of  the  Securities  Authority's 
investigation, the Court approved a request on behalf of the 
Attorney General to continue delaying the proceedings in the 
case until May 2, 2021. The Attorney General will update on 
his current position by this date. 
In September 2019, the applicants submitted a request for 
the submission of a new motion for approval of a class action 
(a request filed against Bezeq in September 2019 following 
the  determination  dated  Septemebr  4,  2019  of 
the 
Competition Commissioner regarding the abuse of Bezeq's 
status  -  see  description  below  subsection  k)  to  the  Court 
where  this  proceeding  is  conducted  and  to  the  deletion  of 
that motion on the ground that it was a similar late motion. 
In  addition,  on  October  23,  2019,  Bezeq  was  submitted  a 
request  from  the  applicants  for  the  motion  for  approval  to 
order the amendment of the motion for approval by adding 
respondents (directors and officers from the relevant period, 
some of whom still serve at Bezeq) and to attach additional 
evidence to the motion for approval. On October 30, 2019, 
the Court announced that in view of its decision to delay the 
proceedings in the case, it does not consider it appropriate 
at this time to order the transfer of the request to amend the 
motion  for  approval  for  Bezeq's  response,  and  that  upon 
termination  of  the  proceedings  in  the  case,  the  applicants 
must petition for appropriate instructions. 

d. 

 August 
2016 

Customer
s against 
Bezeq 

Tel 
Aviv 
District 
Court 

e. 

 February 
2017 

Customer
s against 
Bezeq  

Central 
District 
Court  

A claim 
with a 
motion 
for 
approval 
as a 
class 
action 

Motion 
for 
approval 
as a 
class 
action 

its 

the  use  of 

in  connection  with 

A  motion  alleging  that  Bezeq illegally  and  without  consent 
charges  a  monthly  fee  for  "support  and  /  or  warranty" 
Internet 
services 
infrastructure,  and  illegally  attaches  customers  to  this 
service,  that  Bezeq  charged  for  Internet  access  services 
even after the end of the "bundle" package, and that Bezeq 
has added to the plan a browsing speed that is not suitable 
for the existing infrastructure. On January 11, 2021 the Court 
approved  a  hearing  arrangement  formulated  between  the 
parties,  according  to  which  the  decision  on  the  motion  for 
approval will be given on the basis of the statements of claim 
in the case, without the need for a hearing of evidence. 
A  motion  in  which  it  is  claimed  that  some  of  Bezeq’s 
customers are charged a fee for "antivirus service" while in 
practice it does not provide them with the service and that it 
begins  to  charge  for  the  provision  of  the  service  from  the 
conclusion  of  the  agreement  with  the  customers  and  not 
from  the  actual  provision  of  service.  Accordingly,  the 
applicant  seeks  to  obligate  Bezeq  to  compensate  Bezeq 
customers who purchased the service and did not actually 
receive  it  for  the  damages  caused  to  them,  including 
restitution of amounts collected for the service. Following the 
mediation procedure that took place in the case, the parties 
submitted to the Court a motion for approval of a settlement. 

83 

* Claim in 
unknown 
amount  

* 
There is 
no exact 
estimate, 
estimated 
at tens of 
millions of 
NIS  

 
 
 
 
 
 
 
 
 
 
 
 
Claim 
amount 
(NIS 
millions) 

* The 
amount of 
the claim 
is not 
estimated 

About 
1,240 in 
the first 
applicatio
n and-568 
in the 
second 
applicatio
n 

Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

Date 

Sides 

Court 

Type of 
procedu
re 

Details 

The  Attorney  General  forwarded  his  comments  to  the 
settlement. The settlement has not yet been approved 

f. 

 April 
2017 
And May 
2017 

Customer
s against 
Bezeq 

Tel 
Aviv 
District 
Court 

Two 
motions 
for 
approval 
as class 
actions 

g. 

 June 
2017 

Two 
motions 
for 
approval 
of class 
actions 

In the 
District 
Court 
(Econo
mic 
Depart
ment) 
in Tel 
Aviv 

Bezeq 
sharehold
ers 
Against 
Bezeq, 
Chairman 
of the 
Board of 
Bezeq 
and 
former 
members 
of the 
Board of 
Bezeq, as 
well as 
members 
of the 
Eurocom 
Group 
(the first 
applicatio
n also 
against 
the former 
CEO of 
Bezeq 
and the 
former 
CEO and 
CFO of 
DBS) 

the  subscribers 

The motions deal with Bezeq's B144 service, a service that 
enables advertising to business owners via the Internet ("the 
Service"), and according to the petitioner the respondents 
charged 
the  Service  in  unlawful 
for 
payments.  
On  January  25,  2018,  the  Court  decided,  following  the 
requests  submitted  by  Bezeq  and  other  respondents,  to 
dismiss  in  limine  the  first  motion  on  the  grounds  that  the 
applicant  does  not  meet  the  criteria  set  forth  in  the  Class 
Actions Law, the existence of defects in the motion, and in 
view of the existence of the second motion whose matter is 
similar  to  the  first  motion  (an  appeal  against  this  decision 
was dismissed). 
On  July  21,  2019,  the  parties  submitted  a  motion  for 
approval  of  a  settlement  in  the  second  motion  in  an 
insignificant amount for Bezeq, which is awaiting objections 
from  the  public  as  well  as  the  position  of  the  Attorney 
General and the Regulator. 

The interest in the requests in the 2015 transaction in which 
Bezeq acquired from Eurocom DBS (a company controlled 
by Bezeq's controlling shareholders at the time) the balance 
of DBS shares held by it (in this section: "the Transaction"): 

The first motion was submitted on behalf of everyone who 
purchased the Bezeq shares from  February 11,  2015 until 
June 19, 2017 (except for the respondents and / or those on 
their  behalf  and  /  or  related  to  them).  The  motion  alleges 
misleading and / or missing reporting in connection with the 
Transaction, and that following an open investigation by the 
Securities  Authority  regarding  the  Transaction,  the  public 
became  aware  of  details  regarding  the  transaction  and  its 
implementation,  which  led  to  a  decline  in  Bezeq's  share 
price. According to the applicant, the respondents acted in 
violation  of  the  provisions  of  the  Securities  Law  and  in 
legal  provisions,  causing  Bezeq's 
violation  of  other 
securities  holders  heavy  financial  damages,  amounting  to 
hundreds of millions of NIS, if not more than that. 

to 

the  applicant,  a 

The second  motion was submitted on behalf of three sub-
groups  -  anyone  who  purchased  on  the  Tel  Aviv  Stock 
Exchange from May 21, 2015 to June 19, 2017 (1) the Bezeq 
shares, (2) the Company's shares and (3) the Internet Gold 
shares.  According 
serious 
misrepresentation  of  the  investors  who  invested  in  the 
shares of the aforementioned companies was made, which 
was revealed following the opening of an open investigation 
into the Securities Authority on June 20, 2017, by increasing 
the increase in DBS' cash flow reported in Bezeq According 
to  the  claim,  artificially  misleading  the  reasonable  investor 
who  relied  on  DBS'  cash  flow  data  to  estimate  its  value, 
which  led  to  overpricing  of  the  above  companies.  The 
applicant also claims additional damages caused to groups 
of Company and Internet Gold shareholders. 

Pursuant to a hearing arrangement approved earlier by the 
Court, the petitioners have agreed in the above petitions on 
their  joint  management and  they are to  file  a consolidated 
petition on their behalf.  

Following  the  request  of  the  Attorney  General  (who 

84 

 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

Date 

Sides 

Court 

Type of 
procedu
re 

Details 

Claim 
amount 
(NIS 
millions) 

announced  in  2017  his  appearance  in  the  proceedings 
regarding the delay of the proceedings and not the body of 
the proceedings), the proceedings are delayed at this stage 
until September 6, 2021 in light of the Securities Authority 
investigation  and  indictments  filed  further  thereto  (see 
section 1.1.7) 

Various 
motions 
for 
disclosur
e of 
documen
ts before 
submittin
g a 
motion 
for 
approval 
of a 
derivativ
e claim 
in 
accordan
ce with 
Article 
198A of 
the 
Compani
es Law 
Motion 
for 
approval 
of a 
derivativ
e claim 

h. 

 June - 
August 
2017 and 
June 
2018 

Tel 
Aviv 
District 
Court 

Bezeq 
sharehold
ers 
against 
Bezeq 
and DBS  

i. 

 February 
2018 

Tel 
Aviv 
District 
Court - 
Econo
mic 
Depart
ment 

Bezeq 
shareholde
rs  against 
Bezeq as a 
formal 
respondent
, as well as 
against 
Bezeq 
directors  at 
times 
relevant  to 
the  motion 
and 
against 
Bezeq's 
controlling 
shareholde
rs  at 
the 
times 
relevant  to 
the  motion, 
Mr.  Shaul 
Elovich 
and 
Yosef 
Elovich 
(the 
"Responde
nts"). 

Mr. 

An  amended  and  consolidated  motion  submitted  following 
the  Court's  decision  of  April  15,  2018  regarding  the 
consolidation of  four  applications  filed  in the same matter. 
The  Court  is  requested  to  order  Bezeq  (and  DBS,  as  the 
case  may  be)  to  provide  the  applicants  with  certain 
documents  in  connection  with  a  stakeholder  transaction 
between  DBS  and  Space  from  2013  as  amended  at  the 
"DBS-Space 
beginning  of  2017 
Transaction")44. On January 17, 2021, the Attorney General 
announced  his  appearance  in  the  proceedings  (regarding 
the  delay  of  the  proceedings  and  not  the  body  of  the 
proceedings). Following the Attorney General's request, the 
procedure is delayed at this stage until September 6, 2021, 
in  light  of  the  Securities  Authority's  investigation  and 
indictments filed later in it (see section1.1.7).  

this  section: 

(in 

65 
Minimum 
threshold 
219 
Maximum 
threshold 

The matter of the motion, according to what is claimed in it, 
is Bezeq's conclusion in an assessment agreement with the 
Tax  Authority  which  was  signed  on  September  15,  2016 
(“the  Assessment  Agreement")  and  according  to  which 
Bezeq  paid  tax  to  the  Tax  Authority  on  financing  income 
from loans to DBS in the amount of NIS 462 million, while on 
the other hand, it was agreed, among other things, that DBS' 
losses in respect of financing expenses in respect of Bezeq's 
owner loans to DBS will be fully recognized to Bezeq after 
the merger between Bezeq and DBS..  
According to the applicants, as a result of the signing of the 
assessment  agreement,  Bezeq  paid  a  total  of  NIS  660 
million.  Of  this  total,  NIS  462  million  was  paid  to  the  Tax 
Authority  and  approximately  NIS  198  million  was  paid  to 
Bezeq's  controlling  shareholders  as  a  conditional 
consideration  stipulated 
the 
in 
acquisition  of  full  holdings  and  shareholder  loans  of 
Eurocom DBS, a company under the indirect control of the 
controlling owner of Bezeq, in DBS ("DBS Transaction"). 
According  to  the  petitioners,  Bezeq's  engagement  in  the 
assessment  agreement 
constituted  an  exceptional 
transaction of a public company in which Bezeq's controlling 
shareholders have a personal interest, and was carried out 
illegally  because  it  was  contrary  to  Bezeq's  favor  and 
because the required legal approvals were not obtained. 
According  to  the  plaintiffs,  the  damage  caused  to  Bezeq 
following  the  conclusion  of  the  Assessment  Agreement 
ranges from a minimum threshold of NIS 65 million (as long 
as  all  DBS  losses  in  respect  of  financing  expenses  are 
allowed to be offset by Bezeq) to a maximum threshold of 
NIS 219 million (to the extent that all DBS losses in respect 
of  financing  expenses  are  not  allowed  to  be  offset  by 
Bezeq). The alleged damage was estimated by comparing 
the payments charged to Bezeq (tax liability and contingent 

the  agreement 

for 

44  

It should be noted that on July 23, 2017, a motion was submitted to the District Court (Economic Department) in Tel Aviv for 
approval of a class action in the amount of approx. NIS 37 million against Space, controlling shareholders and officers in it as 
well  as  against  Bezeq  CEO  and  Bezeq  Secretary  at  the  relevant  times  to  the  claim  in  connection  with  the  DBS-Space 
Transaction. The proceedings in this motion are also delayed, at this stage, until September 6, 2021. 

85 

 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

Date 

Sides 

Court 

Type of 
procedu
re 

Details 

Claim 
amount 
(NIS 
millions) 

consideration)  and  the  tax  asset  created  for  it  in  the 
Assessment Agreement, compared to the payments it could 
have been liable for and the tax asset it would have created 
had  it  entered  into  a  settlement  agreement  with  the  tax 
authorities which was proposed by the tax authorities at the 
time of approval of the DBS Transaction. 
According to the plaintiffs, the respondents who are directors 
violated,  inter  alia,  the  duties  of  care  and  trust  (and  with 
regard to the respondents controlling Bezeq, also the duty 
of  fairness),  and  accordingly  the  plaintiffs  motion  that  the 
Court  approve  the  filing  of  a  derivative  claim  on  behalf  of 
Bezeq and Yes, because it will oblige them to compensate 
Bezeq for the said damages caused to it, according to them, 
as a result of the breach of their obligations to Bezeq. 
At the request of the Securities Authority, the procedure was 
delayed in light of the investigation and its derivatives. On 
January  17,  2021,  the  Attorney  General  announced  his 
appearance in the proceedings (regarding the delay of the 
proceedings and not  the  body  of  the  proceedings)  and  on 
that  date  a  motion  was  submitted  by  the  State  Attorney's 
Office to continue the proceedings until September 6, 2021. 
Following  the  Attorney  General's  motion,  the  procedure  is 
delayed at this stage until September 6, 2021, in light of the 
Securities  Authority's  investigation  and  indictments  filed 
later there (see section1.1.7). 

j. 

 June 
2018 

Sharehold
er  against 
Bezeq, 
DBS,  Mr. 
Shaul 
Elovich, 
and  Mr.  Or 
Elovich 

Tel 
Aviv 
District 
Court 
(Econo
mic 
Depart
ment) 

Motion 
for 
disclosur
e and 
review of 
documen
ts under 
Article 
198A of 
the 
Compani
es Law 

k. 

 (1) 
Septemb
er 2019  

Customers 
against 
Bezeq 

Tel 
Aviv 
District 
Court 

Applicati
on for 
approval 
of a 
class 
action 

the  controlling  shareholder  of  Bezeq, 

It is requested that the Court order Bezeq, DBS, the former 
controlling shareholder in Bezeq, Mr. Shaul Elovich, and his 
son,  Mr.  Or  Elovich  (hereinafter  collectively  "Elovich"),  to 
submit to the applicant, as a shareholder in Bezeq, various 
documents for examination Filing an application for approval 
of a derivative claim in the name of Bezeq. According to the 
the 
applicant, 
Company, and  Elovich violated their fairness and fiduciary 
obligations to Bezeq by selling 115 million Bezeq shares on 
February 2, 2016 by the Company using Bezeq's company 
and Elovich’s insider information, and at a value significantly 
higher  than  the  true  value  of  the  shares.  According  to  the 
applicant, this sale  provided the Company  with illegitimate 
profits in the amount of approximately NIS 313 million.. The 
insider information that was allegedly used in the application 
is, among other things, that the financial statements of DBS 
and Bezeq do not reflect Bezeq's de facto financial position, 
but  rather  a  "free  cash  flow"  inflated  for  the  purpose  of 
increasing  the  consideration  as  part  of  the  transaction  in 
which  Bezeq  acquired 
shares  of  Eurocom 
Communications in DBS (“the Yes Transaction"). It should 
be noted that Bezeq is pending another motion for approval 
of  a  derivative  claim  in  the  matter  of  the  Yes  Transaction 
(see  section2.18.1b).  According  to  the  applicant  in  the 
motion that is the subject of this report, although his motion 
is based in part on the same factual background, its matter 
is different from the existing procedures in the matter. At the 
request of the Securities Authority, the procedure is delayed, 
at  this  stage  until  September  6,  2021,  in  light  of  the 
Securities  Authority's  investigation  and  its  derivatives.  On 
January  17,  2021,  the  Attorney  General  announced  his 
appearance in the proceedings (regarding the delay of the 
proceedings and not the body of the proceedings). 
Motion  submitted 
the  determination  dated 
following 
September  4,  2019  of  the  Competition  Commissioner 
("the 
regarding 
Determination")  (for  this  matter,  see  section  2.16.8.5)  in 
which  it  was  alleged  that  Bezeq's  acts  and  omissions  as 
described  in  the  Determination  (blocking  the  transition  of 
Bezeq  competitors  from  Bezeq's  infrastructure  to  the 
building access section, as well as refusing to thread cables 

of  Bezeq's 

abuse 

status 

the 

the 

86 

400 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

Date 

Sides 

Court 

Type of 
procedu
re 

Details 

Claim 
amount 
(NIS 
millions) 

(2) March 
2020 

Sharehold
ers  against 
Bezeq 

Haifa 
District 
Court 

Consolid
ated 
request 
for 
disclosur
e of 
documen
ts prior to 
request 
for 
approval 
of a 
derivative 
claim 

l. 

 October 
2019 

Customers 
against 
Bezeq  and 
another 
respondent 

In the 
Haifa 
District 
Court 

Motion 
for 
approval 
of a 
class 
action 

in the continuous method and conditioning the deployment 
in an inferior, expensive and problematic threading method) 
caused substantial damage to consumers. The definition of 
the group in whose name the class action will be conducted 
is anyone who purchased landline communication services 
in Israel, in the period between July 2015 and March 2018, 
whether or not he purchased these communication services 
from  Bezeq.  Damage  is  claimed  due  to  the  loss  from  the 
decrease  in  the  rate  for  communications  packages,  which 
was  prevented  from  the  group  members  due  to  Bezeq's 
alleged  acts  or  omissions.  Regarding  a  request  for  the 
transfer of this motion and its cancellation due to the fact that 
it is a similar late motion that was submitted by the applicants 
in  another  motion  for  approval  of  a  class  action  in  March 
2018 - see subsection C. On June 25, 2020, the Court ruled 
that the parties will petition for the provision of appropriate 
instructions in the proceedings upon termination of the stay 
of proceedings in the same  motion for approval of  a class 
action from March 2018. 

to  delay 

In  January  2020,  Bezeq  received  two  demands  for  the 
exercise of rights before filing a derivative claim and motions 
for  disclosure  of  documents  relating  to  the  exercise  of 
Bezeq's  rights  against  officers  in  connection  with  the 
Determination.  The  claims  allege  that  the  findings  and 
violations included in the Determination give Bezeq cause of 
action against Bezeq's officers and that Bezeq is entitled to 
compensation from the officers for the damages caused and 
that will be caused to it. Bezeq replied to the two applicants 
that the inquiries were early and that it was not yet time to 
discuss them, among other things, since Bezeq is currently 
working to exercise its rights in appeal proceedings against 
the commissioner's decision. Subsequently, in March 2020, 
the  two  applicants  submitted  motions  (separately,  to  the 
economic  departments  of  the  Haifa  and  Tel  Aviv  District 
Courts) for disclosure of documents pursuant to Article 198A 
of the Companies Law, 5759-1999, in order to examine the 
filing of a motion for approval of a derivative claim. On June 
the 
23,  2020,  Bezeq  submitted  a  request 
proceedings in the motions for disclosure, until the work of 
the Claims Committee established for the purpose and the 
submission  of  its  recommendations  to  Bezeq's  Board  of 
Directors. On July 19, 2020, Bezeq submitted its response 
to the motions. The Attorney General submitted a notice of 
his  appearance  in  the  proceedings,  and  at  the  same  time 
submitted  his  position,  according  to  which  a  decision  to 
appeal the decision that the petitioners claim constitutes the 
damage caused to Bezeq, may be a derivative proceeding 
as long as the above decision is not final. A decision has not 
yet been made on Bezeq's request to delay the proceedings. 
It is alleged that Bezeq violates the provisions of Article 13B 
of  the  Consumer  Protection  Law  by  not  specifying  in  the 
invoice or in the payment notice sent to the consumer the 
components of the fixed payment in respect of a "telephone 
line"  and  their  amount.  Accordingly,  it  was  argued  that 
Bezeq was prevented from collecting the fixed payment and 
that  it  should  return  it  to  the  customers  who  paid  it.  The 
definition  of  the  group  in  whose  name  the  class  action  is 
sought  to  be  managed  is  all  Bezeq  customers  who  were 
charged by it with a fixed payment, without the invoice or the 
payment notice sent to them specifying the components of 
the fixed payment and their amount. The alleged personal 
pecuniary  damage  is  NIS  490  (a  fixed  payment of  NIS  35 
per month multiplied by 14 months, starting from the date of 
amendment of the Consumer Protection Law set forth in the 
provision above). 
On April 28, 2020, the Court ordered the applicants to split 
the  motion  for  approval  into  two  different  motions,  one 
motion  for  approval  in  relation  to  each  respondent  in 

87 

63 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

Date 

Sides 

Court 

Type of 
procedu
re 

Details 

Claim 
amount 
(NIS 
millions) 

accordance with the cause of action against each of them. 
Accordingly,  on  May  10,  2020,  split  motions  were  filed. 
Subsequently, in view of the Court's determination that the 
applicant was required to be replaced due to a doubt in  its 
eligibility, on June 17, 2020 an amended motion for approval 
was submitted (by other applicants) in which the aggregate 
claim  amount  of  all  the  alleged  group  members  was 
estimated  at  NIS  63  million.  On  November  17,  2020,  the 
lawsuit  was  approved  as  a  class  action.  Pursuant  to  the 
decision, the group in whose name the class action will be 
conducted is all Bezeq consumers who were charged a fixed 
fee  by  it,  as  defined  in  Article  13B  (b3)  of  the  Consumer 
Protection  Law,  without  specifying  in  the  invoice  or  the 
payment  notice  sent  to  them  after  June  25,  2018,  the 
components of the fixed payment and their amount, with the 
common  questions  for  the  group  members  being:  Has 
Bezeq  violated  the  obligation  applicable  to  it  in  the  above 
section  of  the  Consumer  Protection  Law,  to  specify  in  the 
invoice  or  in  the  payment  notice  on  its  behalf  the 
components  of  the  fixed  payment  and  their  amount;  the 
amount of the refund due to the group members for violation 
of this obligationl. The remedy claimed is the return of the 
fixed  payment  in  which  they  were  charged.  On  December 
17,  2020,  Bezeq  filed  a  motion  for  leave  to  appeal  the 
decision. The Court ruled that the motion for leave to appeal 
requires  an  answer  (and  later  that  it  be  determined  for 
hearing before the panel) and also granted Bezeq's request 
for a stay of execution. 

It  was  alleged  that  Bezeq  also  signed the  applicant,  when 
ordering a regular telephone line by him, to another service 
(voicemail and caller ID) without his knowledge and without 
requesting  it.  Accordingly,  the  applicant  includes  in  the 
definition  of  the  group  of  plaintiffs  in  whose  name  it  is 
requested to conduct the class action all those charged by 
Bezeq  for  ancillary  service  for  telephone  service  without 
Bezeq  receiving  his  request  and  /  or  express  consent  to 
order  the  ancillary  service,  in  the  seven  years  prior  to 
approval.  During  a  hearing  held  in  February  2021,  after  a 
number  of  difficulties  arose  in  relation  to  the  applicant's 
identity as to his eligibility to be a class action plaintiff, the 
applicant's attorney announced that they intended to find an 
alternative applicant within a period of 60 days. 
It was alleged that Bezeq misled customers who joined the 
B144  service  for  online  businesses  (online  advertising  for 
businesses  through  the  B144  website)  ("The  Service")  to 
think that the cost of the Service depends on the actual use 
up  to  a  billing  ceiling,  when  in  fact  it  has  charged  its 
customers  the  amount  of  the  ceiling  even  if  in  practice  a 
lower  amount  of  it  has  been  used.  Accordingly,  it  is 
requested to include in the definition of the group of plaintiffs, 
on  whose  behalf  the  class  action  will  be  conducted,  all 
Bezeq customers and / or subscribers who registered and 
joined  the  service  packages  of  all  kinds  from  the  date  the 
service was marketed by Bezeq and charged by it in excess 
amounts.  The  motion  or  the  statement  of  claim  does  not 
include  an  explanation  or  calculation  in  relation  to  this 
amount,  except  for  the  indication  in  the  body  of  the 
application that "these are thousands or tens of thousands 
of  consumers".  In  addition,  non-pecuniary  damage  was 
generally claimed. 

88 

It is not 
possible 
to 
estimate 
at this 
stage and 
is over 
NIS 2.5 
million 

 "NIS 
27,537 
per 
applicant 
and any 
future 
amount 
that will 
be 
determine
d for all 
members 
of the 
group" 
(next to 
which 
appears 
in 
handwriti
ng NIS 
908,721,0
00 ") 

m. 

 Decembe
r 2019 

Customer 
against 
Bezeq 

Tel 
Aviv 
District 
Court 

Motion 
for 
approval 
of a 
class 
action 

n. 

 May 
2020 

Customers 
against 
Bezeq 

Tel 
Aviv 
District 
Court 

Motion 
for 
approval 
of a 
class 
action 

 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

Date 

Sides 

Court 

o. 

 October 
2020 

The 
Jerusal
em 
District 
Court 

Sharehold
er of Bezeq 
against 
Bezeq  and 
Bezeq 
Internation
al 

p. 

 Novembe
r 2020 

q. 

 Novembe
r 2020 

The 
Jerusal
em 
District 
Court 

Sharehold
er of Bezeq 
against 
Bezeq  and 
Bezeq 
Internation
al 

Tel 
Aviv 
District 
Court - 
Econo
mic 
Depart
ment 

Bezeq 
shareholde
rs  Against 
Bezeq,  the 
Company, 
Bezeq's 
CEO  and 
members 
of  Bezeq's 
board 
of 
directors 

Type of 
procedu
re 

Motion 
for 
disclosur
e and 
review of 
documen
ts prior to 
filing a 
derivativ
e claim 

Motion 
for 
disclosur
e and 
review of 
documen
ts prior to 
filing a 
derivativ
e claim 
Motion 
for 
approval 
of a 
class 
action 

r. 

 January 
2021 

Bezeq 
shareholde
rs  v  Bezeq 
et al.  

Motion 
for 
approval 
of a 
class 
action 

Tel 
Aviv 
District 
Court - 
Econo
mic 
Depart
ment 

Details 

Claim 
amount 
(NIS 
millions) 

regarding  collection 

A motion in the framework of which an order addressed to 
the  respondents  is  requested  for  disclosure  and  review  of 
various  documents 
from  Bezeq 
International  customers.  According  to  the  petition,  the 
respondents  made  false  representations  that  led  to  an 
inflation of Bezeq International by including in their reports 
"dormant subscribers" who do not use Bezeq International's 
services  but  continue  to  pay  it  a  subscription  fee.  This 
means, according to the claim, that with the discovery of this 
activity,  the  value  of  Bezeq  International  was  "cut  by 
hundreds of millions of shekels". According to the claim, the 
source  of  this  injury  is  the  malicious  or  at  least  negligent 
behavior  of  officials  who  knew  about  the  situation,  but 
refrained  from  taking  action  to  rectify  the  situation  and 
alternatively neglected to find out the true situation of Bezeq 
International.  For  this  matter,  see  also  section4.4.  Also, 
regarding motions for approval of class actions filed against 
Bezeq International in this matter, see section4.12.1. 
Motion for disclosure and review of documents before filing 
a  derivative  claim  in  the  framework  of  which  an  order  is 
requested addressed to the respondents for disclosure and 
review  of  various  documents  regarding  asset  balances  in 
Bezeq International's books (see section 1.9) Following the 
immediate report published by Bezeq on 9.11.2020. 

A  motion  concerning  the  approval  of  a  class  action  for 
compensation  of  the  applicant  and  members  of  the 
represented group for damages caused to them, according 
to the motion, due to Bezeq's failure to report and disclose 
material information from the investing public, in connection 
with public reporting "about the Ministry of Communications' 
moves to eradicate the phenomenon of dual subscribers in 
the  field  of  ISP  Internet  services,  about  the  extensive  and 
substantial scope of the phenomenon of dual subscribers in 
the  subsidiary  Bezeq  International  (hereinafter:  “Bezeq 
International")  and  their  significant  negative  impact  on  the 
subsidiary  and  Bezeq's  business".  The  definition  of  the 
group according to the application is anyone who purchased 
the  Bezeq  shares  from  Aguust  17,  2020  until  Octoebr  30, 
2020 and held the above shares or some of them on Octoebr 
30, 2020, except for the respondents and / or those on their 
behalf and / or entities related to them. 
A consolidated motion (filed in lieu of two similar motions in 
the  same  matter  that  was  deleted)  against  Bezeq,  the 
Company,  and  90  other  respondents,  including  past  and 
present officers at Bezeq, BCOM and Bezeq International, 
as well as the auditor firm (the "Respondents"). The motion 
deals,  as  alleged  in  it,  with  damages  caused  to  the 
applicants  and  members  of  the  represented  groups  (as 
detailed  below)  as  a  result  of  acts  and  omissions  of  the 
respondents who violated the provisions of the law, including 
that  Bezeq and  BCOM  included misleading details  in their 
reports.  In  accordance  with  the  provisions  of  the  law,  in 
connection with Bezeq and BCOM’s report dated November 
9,  2020,  according  to  which  Bezeq  International's  books 
contain discrepancies in the amounts of hundreds of millions 
of  NIS.  The  definition  of  the  groups  according  to  the 
application  is:  (a)  Everyone  who  purchased  Bezeq  shares 
as of March 9, 2003 (date of publication of the annual report 
for the year 2002) until November 9, 2020, and held them on 
November 9, 2020, except for the respondents or those on 
their  behalf  and  (b)  anyone  who  purchased  the  shares  of 
BCOM  on  the  Tel  Aviv  Stock  Exchange  from  October  25, 
2009 until November 9, 2020, and held them on November 
9, 2020, except for the respondents or those on their behalf. 
In  accordance  with  the  economic  opinion  attached  to  the 

89 

55-65 

"Over NIS 
2.5 million 
(for the 
purposes 
of 
substantiv
e 
authority)" 

 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

Date 

Sides 

Court 

Type of 
procedu
re 

Details 

Claim 
amount 
(NIS 
millions) 

motion,  it  was  alleged  that  following  the  publication  of  the 
immediate  report  dated  November  9,  2020  published  by 
Bezeq and BCOM, the Bezeq share price decreased in the 
range of  5.26%-5.40%  (it should  be  noted  that  the  motion 
also claims, in accordance with another opinion attached to 
it, that compared to Bezeq's benchmark indices, the damage 
to Bezeq's shareholders is higher than the decrease in the 
value of the shares, and is about 7%), and  BCOM’s share 
price decreased in the range of 9.07%-9.36%. Accordingly, 
it was argued that the damage caused to the applicants is in 
the  amount  obtained  from  doubling  the  amount  of  shares 
held by the members of the groups as aforesaid at the rate 
of the aforesaid decrease in Bezeq and BCOM shares.. 

2.18.2. Legal  proceedings  completed  during  the  reporting  period  or  until  the  date  of 

publication of the report 

  Date of 

Sides 

Court 

Type of 
procedur
e 

Details 

The 
amount 
of the 
original 
claim 
(NIS 
millions) 

90 

filing 
the 
claim 

a. 

 Septem
ber 
2019 

The 
Jerusal
em 
District 
Court 

Motion for 
approval 
of a class 
action 

Customer
s against 
Bezeq 
and 
another 
service 
company 

A  motion  regarding  the  entitlement  of  certain 
populations (such as the elderly and disabled) to 
discounts  on  payments  for  essential  services 
which the defendants provide to them. It is argued 
that the defendants do nothing so that the rights 
of these people are exhausted, make it difficult for 
them  and  do  not  even  credit  them  for  excess 
payments made. On June 25, 2020,  a judgment 
was  rendered  according  to  which  the  claim  was 
struck out in view of the non-payment of a fee. 

2.18.3. In view of the completion of the sale of Bezeq's holdings in Walla at the end of 2020 
(see section 1.1.1) As of this report no legal proceedings are described against her.  

2.19. Goals and business strategy 

2.19.1. Forward-looking information 

Bezeq's  strategy  review  below  includes  forward-looking  information  within  the  meaning 
thereof  in  the  Securities  Law,  and  involves  assessments  of  future  developments  in  the 
economy in general regarding customer behavior and needs, the pace of adoption of new 
services, technological changes, regulatory policy, competitors' marketing strategy, and the 
effectiveness of strategic marketing. . 

Bezeq's strategy and the business objectives derived from it are based on internal research 
and analysis, secondary sources of information, especially research company statements, 
publications regarding activities undertaken by similar communications operators in Israel 
and around the world, and consulting work by which Bezeq is assisted.  

However there is no assurance that the main strategy and activities described below will 
be implemented in practice or in the manner described below. The circumstances that may 
lead to the non-implementation of the strategy or even to its failure are due to the general 
situation  in  the  economy,  frequent  technological  changes,  regulatory  constraints, 
formulation of a sustainable business model for new services that Bezeq intends to provide 
and adopting a superior marketing strategy from competitors. In addition, changes in the 
composition  of  Bezeq's  Board  of  Directors  or  ownership  of  Bezeq,  which  will  lead  to  a 
change in the composition of the Board of Directors, may lead to a change in its strategy 
and business objectives. 

2.19.2. The essence of the strategy and intentions for the future  

90 

 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

2.19.2.1  Vision and purpose 

Bezeq has set itself the goal of being the leading communications company in 
Israel,  providing  a  wide  range  of  communications  services  and  solutions,  to 
private and business customers. 

Bezeq  works  to  maintain  its  competitive  position  and  continue  to  be  the 
customer's first choice in telephony, Internet and IT, and for this purpose it has 
set itself a number of goals: 

a)  Preservation  of  leadership  in  the  aggravating  competitive  environment 
(service leadership and strengthening perceived values - product innovation, 
reliability, price perception); 

b)  Encouraging the recruitment of new customers and strengthening a sense 

of loyalty and closeness among existing customers; 

c)  Creating new sources of income through the launch of new and innovative 

services and products; 

d)  Ongoing adaptation of the organization to the competitive, technological and 

operational excellence environment. 

2.19.2.2  Means 

To implement the said strategy and objectives, Bezeq operates a wide range of 
advanced  communication  networks,  which  operate  on  a  wide  range  of 
infrastructures  nationwide,  and  enable  the  provision  of  the  most  advanced 
communication services in the world. Bezeq is working to upgrade and develop 
the communications networks it operates, and strives to constantly expand and 
improve the basket of products and services it offers. Bezeq operates the widest 
service network among communications companies in Israel, including technical 
and commercial centers, and a wide range of service and installation technicians. 

2.19.3. Major projects in planning or execution 

Regarding the deployment of a fiber optic network by Bezeq, see section 2.7.2.  

2.19.4. As  of  the  date  of  the  report,  the  Company  intends  to  continue  to  support  Bezeq's 
strategy as detailed above and in particular to improve its underlying asset - control 
of Bezeq,  and does not intend to enter other  areas beyond  its control of Bezeq  as 
aforesaid. 

2.20. Discussion of risk factors 

The Israeli economy in which Bezeq operates is stable in nature, however, there are risk factors that 
arise from the macroeconomic environment, from the unique characteristics of the industry in which 
Bezeq  operates,  and  risk  factors  that  tare  unique  to  Bezeq,  which  may  have  significant 
consequences for Bezeq and affect, among other things, Bezeq's status, its results, its credit rating 
and its ability to repay its debt, all as specified below: 

2.20.1. Competition 

through  which 

the  wholesale  market, 

Competition in the field of landline interior communications increasing in recent years by 
other telecommunications groups, both by other interior operators, including HOT (with a 
general license), and by cellular operators, has significantly increased with the application 
of 
telecommunications  groups  and  other 
telecommunications operators (with a special or unified license) compete with Bezeq in the 
sale of end-to-end service packages, based on Bezeq infrastructure at prices set by the 
regulator (see section1.7.3 and 2.16.4). A large number of customers receive wholesale 
Internet services, which are provided on the Bezeq network, when Bezeq does not have 
contact with those customers. There is also competition from infrastructure owners (see 
section2.62.6).  Increased  competition  in  the  field  of  interior  communications  causes  the 
abandonment of some of Bezeq's customers and leads to lower prices of some of Bezeq's 
services and an increase in the costs of recruiting new customers and retaining existing 
customers. The entities that compete with Bezeq at present, or may compete with it in the 
future, enjoy greater business flexibility than Bezeq, including the ability to cooperate with 
subsidiaries and affiliates and market shared service packages with them (see section1.7.2 
and section 1.7.3). The ability of competitors to market service packages with rate flexibility, 
in the face of Bezeq's limitations to do so as of this date, impairs Bezeq's competitive ability. 

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2.20.2. Governmental supervision and regulation 

Bezeq is subject to governmental supervision and regulation relating, inter alia, to licensing 
activities,  determining  permitted  areas  of  activity,  determining  rates,  operations, 
competition, payment of royalties, universal service obligation, the possibility of holding its 
shares, the relationship between Bezeq and its subsidiaries and prohibiting cessation or 
restriction  of  its  services  (which  may  oblige  Bezeq  to  provide  services  even  in  non-
economic  circumstances)  -  for  details,  see  section2.16.  The  aforesaid  supervision  and 
regulation sometimes causes government intervention, which in Bezeq's opinion burdens 
its  business  activities.  In  this  context,  Bezeq  is  exposed  to  the  imposition  of  various 
sanctions by the Ministry of Communications, including the imposition of financial sanctions 
(for this matter, see section1.7.4.6).  

In  addition,  the  Minister  of  Communications  may  revoke  Bezeq's  license,  restrict  it  or 
suspend  it  as  appropriate,  in  accordance  with  the  conditions  set  forth  in  the 
Communications Law, and is authorized to change the terms of Bezeq's license, interfere 
with existing rates and marketing proposals and issue instructions. Substantial changes in 
the rules of regulation that apply in the field of communications in general, and to Bezeq in 
particular, may oblige Bezeq to make changes to its strategic plans and impair its ability to 
carry out long-term planning of its business activities. For possible changes following the 
wholesale  market  reform,  see  section2.16.4.  For  possible  restrictions  under  the 
Centralization  Law  on  the  renewal  of  licenses  and  the  allocation  of  new  licenses,  see 
section1.7.4.7. 

2.20.3. Rates supervision 

Bezeq rates for a key part of its services (including rates for reciprocal linking and use of 
Bezeq  infrastructure  and  its  network)  are  subject  to  government  supervision  and 
intervention. The Minister of Communications has the authority to intervene in existing rates 
and  marketing  proposals  and  to  give  it  instructions  (see  section2.16.1).  On  average, 
supervised Bezeq rates are eroding in real terms. Substantial changes in Bezeq's regulated 
rates, if implemented, could have a material adverse effect on its business and its results. 
Regarding  the  supervision  of  the  supervised  Bezeq  rates  and  their  updating,  see 
sections2.16.1 (Including regarding a hearing on the determination of maximum rates for 
Bezeq's  retail  telephony  services)  and2.16.4.  In  addition,  the  restrictions  that  apply  to 
Bezeq  in  marketing  alternative  payment  baskets  may  create  difficulties  for  Bezeq  in 
providing  an  appropriate  competitive  response  to  changes  in  the  market  and  are 
significantly reflected in Bezeq's competitors on the basis of its infrastructure in selling end-
to-end service packages through Bezeq's wholesale service. This is also the case as long 
as a mechanism is established that will be determined by the Ministry of Communications 
for  approval  and  inspection  regarding  the  reduction  of  intervals  in  Bezeq  packages  and 
routes (see section2.16.4.2). As part of the application of a wholesale market, the Ministry 
of Communications updated the rates for wholesale services according to which Bezeq will 
sell its services to licensees. The update of the rates leads to lower prices in a way that 
could  adversely  affect  Bezeq's  level  of  revenue  and  its  profitability  (for  the  wholesale 
market, see section 2.16.4). 

2.20.4. Streamlining procedures and labor relations 

Bezeq's  implementation  of  personnel  and  organization  programs  (including  retirement 
plans  and  organizational  changes)  involves  coordination  with  employees  and  significant 
costs,  including  early  retirement  compensation  costs.  Processes  of  implementing  such 
plans  may  cause  unrest  in  the  employment  relationship  and  harm  Bezeq's  day-to-day 
operations - see also sections2.9.3 and 2.17.2.  

Also, as described in section1.8, according to the report, Bezeq, like the other companies 
in  the  Group,  implements  streamlining  procedures,  which  include,  among  other  things, 
moving to new offices, organizational changes and reducing the workforce, while managing 
significant infrastructure and other projects. Streamlining procedures, by nature, carry with 
them the risks of loss of knowledge, turnover of employees, shift of managerial focus, and 
so on. 

2.20.5. Restrictions regarding the relationship between Bezeq and companies in the Bezeq 

Group 

Structural  separation  -  Bezeq's  NIO  license  requires  that  its  relations  with  the  main 
companies  in  the  Group  held  by  it  be  without  their  preference  over  their  competitors.  A 
separation is required between the managements of Bezeq and the said companies, as 
well  as  a  separation  in  the  business  systems,  finances  and  marketing,  assets  and 

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employees, which causes duplication, high overheads and also makes it difficult to manage 
strategy  at  the  Group  level.  Also,  at  this  stage,  Bezeq's  ability  to  offer  shared  service 
packages of Bezeq and the said companies is limited (see section 1.7.2). 

In light of the increase in competition based on the provision of a basket of services to the 
customer and the ability of competitors, given wholesale services, to offer customers end-
to-end  services,  the  effect  of  this  risk  factor  on  Bezeq's  operations  and  its  results  has 
increased. Regarding the possibility that in the future the Group will be granted a permit for 
the  provision  of  non-detachable  service  packages  and  the  elimination  of  structural 
separation and for further possible changes following the wholesale market, see sections 
1.7.2 and 2.16.4. 

2.20.6. Legal Proceedings 

Bezeq is a party to legal proceedings, including class actions, which may result in charges 
in substantial amounts, most of which cannot be estimated, and therefore no provision was 
made  for  most  of  them  in  Bezeq's  financial  statements.  In  addition,  Bezeq's  insurance 
policies are limited to defined coverage limits and for certain reasons, and may not cover 
claims for certain types of damages. In recent years, the trend of increasing class action 
lawsuits against large commercial companies has intensified. By their very nature, class 
actions  can  reach  large  sums.  In  addition,  since  Bezeq  provides  communications 
infrastructure as well as billing and collection services to other licensees, those who sue 
the said licensees in other class actions may also try and involve Bezeq as a party in these 
proceedings. For a description of the legal proceedings, see section2.18.  

2.20.7. Exposure to exchange rate fluctuations, inflation and interest rates 

Bezeq measures exposure to changes in currency and inflation according to surplus or lack 
of assets versus liabilities, as well  as according to cash flow forecasts, according to the 
type of linkage. Bezeq's exposure to changes in inflation is high and Bezeq's exposure to 
changes  in  the  exchange  rate  against  the  shekel  is  low.  Bezeq  is  hedging  some  of  its 
exposure to inflation and foreign exchange. In addition, Bezeq has exposure to changes in 
interest rates in relation to the credit it receives. For this matter, see  also Note 30 to the 
2020 statements. 

2.20.8. Electromagnetic radiation and licensing of transmission facilities  

The  issue  of  electromagnetic  radiation  emitted  from  transmission  facilities  is  regulated 
mainly in the Non-Ionizing Radiation Law (see sections 2.15 and 2.16.10). Bezeq works for 
the  existence  of  permits  for  the  construction  and  operation  of  its  various  transmission 
facilities,  but  the  difficulties  encountered  by  Bezeq  in  this  activity,  including  difficulties 
arising  from  changing  the  policy  of  the  relevant  parties  and  changes  in  legislation  and 
regulations, may adversely affect the infrastructure of the said facilities, the regularity of the 
provision of the services through them, and consequently also the Bezeq revenues from 
these services. Bezeq's third party insurance policy does not currently cover warranty for 
electromagnetic radiation. 

2.20.9. Frequent technological changes 

The field of communications is characterized by frequent technological changes and the 
shortening of the economic life of new technologies - see section2.1.4. These trends mean 
the need to invest a lot of resources in upgrading Bezeq's existing technologies, lowering 
the barriers to entry for new competitors, increasing depreciation rates and in some cases 
there may be a redundancy of Bezeq-owned technologies and networks. The introduction 
of innovative technology that is not used by Bezeq or that Bezeq has refrained from using 
may harm Bezeq's competitive position. 

2.20.10.  Dependence on macro factors and on levels of business activity in the economy  

The stability of the financial markets and the resilience of the economies of the countries 
of the world have been in recent years subject to high volatility. Bezeq estimates that as 
the local economy slides into a period of recession and deterioration in business activity 
due to external or internal events, including shocks in the global economy, political-security 
uncertainty, etc., then its business results may be harmed, among other things, as a result 
of  Bezeq  revenues  (including  investee  revenues)  or  as  a  result  of  increased  Group 
financing costs. 

2.20.11.  Failure of Bezeq systems and cyber risks  

Bezeq  provides  its  services  through  various  infrastructure  systems,  including,  among 

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others, exchanges, data transmission and access transmission networks, cables, computer 
systems,  physical  infrastructure  and  more  ("the  systems").  The  systems  are  of  critical 
importance in the operation of Bezeq's business and they play a vital role in its ability to 
successfully carry out its activities. Hacking, disruption, damage or collapse of systems can 
adversely affect Bezeq's business. Some Bezeq  systems have backup, but at the same 
time, in the event of damage to some or all of the above  systems, either due to various 
technical  faults  (including  in  the  event  of  termination  of  contact  with  a  supplier  who  is 
dependent on system support), or due to natural disasters (earthquakes,  disasters, fire), 
whether due to damage to physical infrastructure by communications providers using them 
or due to malicious damage (including through Cyber attacks as detailed below), there may 
be significant difficulties in providing Bezeq services, including in the event that Bezeq is 
unable to return the systems to capacity quickly. 

Bezeq carries a risk of activity occurring that is intended to harm the use of a computer or 
computer material stored on it ("cyber attack"). Such attacks can disrupt business, theft of 
information  /  money,  damage  to  reputation,  and  damage  to  systems.  As  a  leading 
communications company that provides diverse communications services in various fields, 
it is a target for cyber attacks and experiences cyber attacks, which are handled by it. 

Bezeq is a body guided by the State Authority for Information Security and is committed to 
meeting strict information security standards. In this context, Bezeq implements a defense 
policy  that  includes  the  most  advanced  security  systems  in  the  world  operated  in  a 
configuration that combines effective security with Bezeq's operational needs and security 
circuits to protect Bezeq's infrastructure and systems designed to prevent and reduce the 
possibility of Bezeq data being exploited by an external or an internal party maliciously or 
accidentally,  as  well  as  the  possibility  of  an  outsider  taking  over  and  managing  network 
components or abusing information about Bezeq's infrastructure and networks in any way. 

Bezeq monitors the implementation of its defense policy, which includes an examination of 
Bezeq's  level  of  effectiveness  and  readiness.  In  this  context,  Bezeq  conducts  tests  and 
assault  drills  with  different  frequency  for  different  scenarios  (including  through  external 
companies that specialize in the field). 

Despite  Bezeq's  investments  in  measures  to  reduce  such  risks,  Bezeq  is  unable  to 
guarantee that these measures will succeed in preventing damage and / or disruption to 
systems and related information. 

2.20.12.  Impairment of subsidiaries 

In accordance with the accounting standards, Bezeq performs valuations for subsidiaries 
for the purpose of examining the periodic impairment of goodwill and of assets in respect 
of which signs of impairment have been identified. Considering the business situation of 
the subsidiaries and the difference between the book value of Bezeq and their recoverable 
amount as a cash-generating unit, a decrease in the value of the subsidiaries' activity may 
lead  to  impairment  loss  (write-off)  in  Bezeq  books.  Also,  a  significant  change  in 
circumstances that leads to a change in estimates can occur as a result of a high-intensity 
discrete event and / or as a result of a sequence of small changes occurring over time that 
have a significant cumulative effect in the long run and / or a change in estimates (even at 
low rates). Valuations are based on assumptions as of the date of the statements that may 
not  materialize  or  materialize  partially  and  different  aspects  have  different  intensities 
affecting the value of the unit measured when long-term assumptions may have a relatively 
large weight compared to short-term assumptions.For this matter, see also Note 11 to the 
2020 statements and Section 3.1 of the Board of Directors' Report.  

2.20.13.  Pandemic 

At the beginning of 2020, an outbreak of the COVID-19 virus began worldwide. Following 
this,  Bezeq  monitors  developments  in  connection  with  this  outbreak  and  pandemic 
incidents in general and examines potential implications for its business operations, with 
some of the implications already being reflected in Bezeq in practice. These consequences 
can be manifested, and some of them have already been manifested, among other things, 
in the damage to the supply chain and the customer service system. According to Bezeq's 
estimates,  as  of  the  date  of  the  report,  the  COVID-19  pandemic  caused  an  increase  in 
demand and increased use of Bezeq's Internet and telephony services, without significant 
adverse effects in other areas of activity that can be attributed to the outbreak. At the same 
time,  naturally,  this  is  a  variable  event  that  is  not  under  Bezeq's  control,  and  therefore 
widespread spread of the virus or decisions of countries and authorities in Israel and around 
the world in this regard, may affect Bezeq. In this regard, see also section2.20.10. 

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It should be noted that a significant part of Bezeq's operations (in a consolidated manner) is carried out in 
its subsidiaries. The risk factors of these companies and the assessments of their managements in relation 
to the risk factors are described in sections 3.19, 4.14 and 5.19. 

The following is a rating of the impact of the risk factors described above on Bezeq's operations, in Bezeq's 
Management's assessment. It should be noted that Bezeq’s assessments below regarding the degree of 
influence of the risk factor reflect the degree of influence of the risk factor in assuming the materialization 
of the risk factor, and the aforesaid does not express an assessment or give weight to the chances of such 
materialization. The order in which the risk factors appear above and below is not necessarily according to 
the degree of risk: 

Risk Factors Summary Table – Landline Interior Communications45  

The extent of the impact of the 
risk factor on Bezeq's operations 
Low effect 
Medium 
effect 

High 
effect 

X 

Macro risks 
Exposure  to  exchange  rate  fluctuations,  inflation 
and interest rates 
Dependence  on  macro 
business activity in the economy 
Pandemic 

factors  and 

levels  of 

Industry risks 

Growing competition 
Governmental supervision and regulation 
Rate supervision 
Electromagnetic radiation / licensing of transmission 
facilities 
Frequent technological changes 

X 
X 
X 

X 

X46 

X 

X 

Special risks for Bezeq 

X 
X 

Exposure to legal proceedings 
Labor relations 
Restrictions  regarding  the  relationship  between 
Bezeq and companies in the Bezeq Group 
Failure of Bezeq systems and cyber risks 
Impairment of subsidiaries 
The information contained in this section 2.20 and Bezeq's assessments regarding the impact 
of risk factors on Bezeq's activities and business are forward-looking information as defined 
in the Securities Law. The information and assessments are based on data published by the 
Ministry of Communications, Bezeq assessments of the market situation and the structure of 
competition  in  it  and  regarding  possible  developments  in  this  market  and  in  the  Israeli 
economy. The actual results may differ materially from the estimates given above if there is 
a change in one of the factors taken into account in these estimates. 

X 

X 

X 

45  

It will be clarified that in the assessments of the Group companies regarding the effect of the risk factors in the summary tables 
(in this section and in sections 3.19 , 4.14 and 5.19), the probability of the risk factor materialization was not estimated, but the 
effect of the risk factor on the relevant company if it materialized. It should be noted that some of the Group companies make 
estimates regarding the probability of the occurrence of some of the risk factors mentioned in these sections for their specific 
internal needs, but no orderly estimate was made at the Group level of all the risks listed in the summary tables in these sections. 
Also, in general, the degree of influence of a risk factor on the Company's operations depends in some cases also on the extent 
and duration of the materialization of the risk, so that it may differ from what is indicated. 

46   The extent of the impact of this risk factor on Bezeq's activity was classified as moderate, assuming that the event would be 

limited in scope and time. Otherwise, the degree of impact may be great. 

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3.  Pelephone - Mobile radio telephone (cellular telephony) 

3.1.  General information about the field of activity 

3.1.1.  Pelephone's field of activity 

Pelephone  provides  cellular  communication  services  and  the  sale  and  repair  of  end 
equipment.  Pelephone  services  are  detailed  in  the  section3.2.  Pelephone  is  a  company 
wholly owned by Bezeq.  

3.1.2.  Principles of legislative and regulatory restrictions unique to the field of activity 

3.1.2.1  Communications Law and mobile radio telephone license 

Pelephone's activities are subject to regulation and supervision by virtue of the 
Communications Law and its regulations, by virtue of the Telegraph Order, and 
by  virtue  of  mobile  radio  telephone  license  owned  by  it.  The  mobile  radio 
telephone license sets conditions and rules that apply to Pelephone's operations 
(for details, see section3.14.2).  

3.1.2.2  Rate supervision 

Interconnectivity fees (rates for completing a call and completing short message 
messages (SMS) charged by Pelephone from other communication operators are 
fixed  in  interconnectivity  regulations.  The  rest  of  the  rates  are  under  a  certain 
supervisory regime  as regulated  under the  mobile radio  telephone license and 
the Communications Law (see sections 3.14.1 and 3.14.2).  

3.1.2.3  Environmental law and planning and construction law 

Establishment and operation of wireless communication infrastructure, including 
cellular communications, is subject to the provisions of the Non-Ionizing Radiation 
Law  and  the  permits  required  thereunder  by  the  Ministry  of  Environmental 
Protection, as well as the provisions of planning and construction law (see section 
3.13.1). 

3.1.3.  Changes in the scope of activity in the field 

For  financial  data  on  the  scope  of  Pelephone's  activity,  see  sections  Error!  Reference 
source not found. and 3.3. 

Revenue from services 

The cellular industry is characterized by fierce competition. Competition in the industry (see 
section3.6)  led  to  a  high  transfer  of  subscriptions  between  the  cellular  operators  while 
continuously eroding the prices of the base packages along with a further increase in the 
browsing volumes included in the packages, which caused another significant erosion of 
the  average  revenue  per  subscriber.  The  growth  in  the  number  of  postpaid  subscribers 
over the past five years has partially compensated for the erosion of prices. In 2020, there 
was a decrease in income from migration services, due to the effects of the COVID-19 virus 
crisis on travel and stay abroad (see section 3.19.1.2).  

Revenue from the sale of end equipment and electronics 

The  end  equipment  market  is  also  characterized  by  fierce  competition  among  cellular 
operators and vis-à-vis many stores that sell end equipment in parallel imports. In 2020, 
the trend of launching device models at low price levels continued compared to previous 
years among manufacturers, which, along with a decrease in the volume of units sold to 
end customers, led to a further decrease in the average revenue per device. In order to 
reduce the damage to revenue, Pelephone is increasing the range of equipment sold by it 
and  also  sells  electronic  equipment  that  is  not  cellular  devices.  In  2020,  there  was  a 
decrease in revenues from the sale of end equipment, due to the effects of the COVID-19 
virus crisis on retail trade (see section 3.19.1.2).  

Most  peripheral  and  electronic  equipment  are  sold  in  installments.  The  decline  in  end 
equipment sales over the years has led to a decrease in the balance of customers in parallel 
with a decrease in the volume of payments to end equipment suppliers. 

3.1.4.  Market developments and changes in customer characteristics 

The cellular market is characterized by low growth rates due to saturation in the penetration 

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rate47. The estimated penetration rate as of September 30, 2020 is approximately 121%. 

3.1.5.  Technological changes that have an impact on the field of activity 

The  cellular  communications  market  is  dynamic,  and  is  characterized  by  frequent 
technological  developments  in  all  areas  of  activity  in  it  (communications  network 
technology, end equipment and value-added services). 

Technological developments, as well as the desire to expand the range of services offered 
to the customer and their quality, require cellular operators to upgrade the technology of 
cellular networks from time to time. The cellular networks in Israel currently operate mainly 
in GSM technology, UMTS / and LTE technology, and during 2020 the use of NEW RADIO 
technology in the NONSTAND ALONE architecture (5G) began. 

As of the date of the report, Pelephone's LTE network is deployed in parts of Israel, and 
Pelephone continues to expand its network to improve coverage through the use of 700 
MHz frequencies and to improve performance through 2600 MHz frequencies, in addition 
to  launching  5G  technology  using  3500  MHz  frequencies,  which  will  be  carried  out 
according to a regular deployment plan. 

In  addition,  Pelephone  has  started  activating  additional  network  features  that  include 
CARRIER AGGREGATION and MIMO8x8 in 5G. 

Pelephone  offers  technology-based  services  IMS48:  Voice  over  WiFi  as  an  improved 
response for coverage within buildings, as well as Voice over LTE that enables voice calls 
based on 4G. This capability improves the quality of voice calls and in addition enables the 
evacuation of 3G frequency resources for future use of LTE. In addition, Voice over LTE 
enables continuity of service with Voice over WiFi. 

Pelephone  is  constantly  examining  the  new  technologies  in  the  market  and  the  need  to 
upgrade the technology of existing networks, in accordance with the state of competition in 
the market and the economic viability of investing in such technologies. 

Expanding the capacities and speeds of technologies from the LTE (4G) and NEW RADIO 
(5G) as well as the development of future cellular generations are conditional on frequency 
allocation. For details, see section3.8.2. 

Following the winning of the frequency tender, Pelephone began operating frequencies in 
the  field  of  700  MHz  and  2600  MHz  in  4G  technology,  and  in  addition  operates  5G 
technology at a frequency of 3500 MHz in some sites (see section 3.8.2.4). 

3.1.6.  Critical success factors  

3.1.6.1  Nationwide deployment of a high-quality and advanced cellular network, 
ongoing maintenance of the network at a high level and significant investments 
on  an  ongoing  basis  in  the  cellular  infrastructure,  both  for  quality  coverage 
throughout  Israel  and  to  provide  customers  with  advanced  services  through 
advanced technological infrastructure (see also section 3.7.1).  

3.1.6.2  Growth in the subscriber base. 

3.1.6.3  Competitive price level. 

3.1.6.4  Wide and varied distribution channels. 

3.1.6.5  A  variety  of  service  channels,  including  digital  channels,  that  provide 

efficient and quality support and service to a large variety of customers.  

3.1.6.6  Adjusting  the  cost  structure  and  implementing  operational  streamlining 

that make it possible to cope with increased competition. 

3.1.6.7  A brand that represents a quality, reliable and advanced network. 

3.1.6.8  High quality and skilled personnel. 

47   Penetration rate - the ratio between the number of subscribers in the market and the total population in Israel (excluding foreign 

and Palestinian employees, although they are included in the number of subscribers). 

48  

IMS - IP Multimedia Sub System - a system in the core of the network that is used, among other things, to switch calls made in 
IP networks (for example: Voice over LTE, Voice over Wifi). These two services are provided in combination to provide a solution 
for coverage within homes and for lowering traffic from the 3G network. The infrastructure will be used for additional services, 
such as One Number, Rich Call Services and more. 

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3.1.7.  The main barriers to entry and exit49 

3.1.7.1  The main barriers to entry into the field of activity are: 

a)  Saturation in the penetration rate in the field (see section 3.1.4).  

b)  The need for a mobile radio telephone license, the allocation of frequencies 
involved in high costs resulting, among other things, from the fact that these 
resources are in short supply (see section 3.8.2.1) and the subordination of 
the activity to regulatory supervision (see section 3.14.2). 

c)  The  need  for  significant  financial  means  for  heavy  and  continuous 
investments  in  infrastructure,  which  are  affected  by  frequent  technological 
changes (see also section3.7.1.3). 

d)  The difficulty in setting up radio sites due to regulatory restrictions and public 

opposition. 

3.1.7.2  The main barriers to exit from the field are: 

a)  Large investments that require a long return on investment.  

b)  The commitment to provide service to customers derives from the terms of 
the radio telephone license license and the agreements in accordance with 
the terms set forth in the license. 

3.1.8.  The structure of competition in the field and changes that apply in it  

3.1.8.1  General 

The  cellular  communications  market  in  Israel  is  characterized  by  fierce 
competition, which is reflected in high subscriber turnover among operators, tariff 
erosion and profitability erosion. 

As of the date of this report, five operators with a radio telephone license license 
are operating in the cellular communications market in Israel. Cellcom, Partner, 
Hot  Mobile  and  XFONE),  and  a  number  of  MVNO  operators  with  an  radio 
telephone  license  in  another  network  (virtual  operators)  including  the  recent 
addition  of  Golan  Telecom  to  this  status  after  its  radio  telephone  license  was 
converted  following  the  acquisition  of  control  of  it  by  Cellcom.  Regarding  a 
contract for the sale of Golan Telecom shares to Cellcom, see section1.7.1.  

3.1.8.2 

Infrastructure sharing 

Infrastructure sharing enables the consolidation of cellular operator sites in a way 
that will significantly reduce the cost of operating and maintaining radio sites for 
each operator. To the best of Pelephone's knowledge, as of the date of the report, 
infrastructure is shared in the market as described below: 

a)  Partner  and  Hot  Mobile  operate  as  part  of  an  infrastructure  sharing  in  the 

radio segment within a shared corporation. 

b)  Cellcom  and  XFONE  operate  as  part  of  infrastructure  sharing  in  the  radio 
segment of the 4G network as part of a joint corporation and the acquisition 
of other interior roaming services.  

3.1.8.3  Virtual operators MVNO 

A number of MVNO licenses have been issued so far for vrtual operators. Only a 
few MVNO license holders are active in the market. 

For more details on the structure of competition in the field, see section 3.6. 

3.2.  Services and products 

3.2.1.  Services 

 Below is a description of the services that Pelephone provides to the subscriber: 

3.2.1.1  Package services that include: 

49   Some of the above entry and exit barriers apply in a partial and limited manner to virtual operators. 

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a)  Basic  telephone  services  (VOICE)  -  basic  call  services,  call  completion 
services  as  well  as  ancillary  services  such  as  -  waiting  call,  "follow  me", 
voicemail, voice conference call, caller ID, and more. 

b)  Browsing and data communication services - Internet browsing services 
using  end  equipment  that  is  compatible  with  the  use  of  3G,  4G  and  5G 
technologies. 

c)  SMS delivery and receipt service and multimedia messages MMS -SMS 
receiving  and  sending  service  (text  messaging  -  SMS)  and  multimedia 
messaging (video / voice / text). 

3.2.1.2  Value  Added  Services  -  Pelephone  offers  its  customers  value-added 
services and related services, such as data storage backup services (Pelephone 
Coud), antivirus services, cyber protection services, and more. 

3.2.1.3 

IoT  Services  (Internet  Of  Things)  -  Pelephone  offers  its  customers 
advanced  solutions  in  the  field  of  IoT,  such  as  smart  building  networks  with 
command and control systems, and more. 

3.2.1.4  Roaming  services  -  Pelephone  Provides  its  customers  with  roaming 
coverage in about 190 countries around the world. In addition, Pelephone also 
provides inbound roaming services to the customers of foreign operators who stay 
in Israel. 

3.2.1.5  Services PTT (Push to Talk) - Pelephone offers its business customers 
some of the most advanced PTT services in the world, enabling fast and secure 
corporate communication at the touch of a button. 

3.2.1.6  Maintenance and repair services for end equipment - Pelephone offers 
repair service and extended warranty, for a monthly fee that entitles the customer 
to repair service and extended warranty for the cellular device, or for a one-time 
payment at the time of repair. 

Pelephone  provides  some  of  these  services  also  in  the  framework  of  hosting 
agreements, to holders of an mobile radio telephone license in another network 
that use the Pelephone network in order to provide service to their customers. 

3.2.2.  Products 

End equipment devices - Pelephone offers different types of mobile phones, car devices, 
devices PTT, headsets and accessories that support its range of services. Pelephone also 
provides  end  equipment  such  as  tablets,  laptops,  modems,  speakers,  smart  watches, 
headphones and other related electronics. 

3.3.  Segmentation of revenues from products and services 

The following is data regarding Pelephone's revenues from products and services (in NIS millions): 

Products and services 
Revenue from services 
Rate of Pelephon’s total revenue 
Revenue from products (end equipment) 
Rate of Pelephon’s total revenue 
Total revenue 

2020 
1,591 
72.8% 
595 
27.2% 
2,186 

2019 
1,709 
72.4% 
653 
27.6% 
2,362 

2018 
1,755 
71.8% 
688 
28.2% 
2,443 

3.4.  Customers 

The following is data on the distribution of revenue from customers (in NIS millions): 

Products and services 
Revenue from private customers 
Revenue from business customers (*) 
Total revenue 

2020 
1,194 
992 
2,186 

2019 
1,334 
1,028 
2,362 

2018 
1,415 
1,028 
2,443 

(*) Revenue from customers in business tracks includes revenue from hosting agreements, which 

were received mainly from Rami Levy. 

At the end of 2020, the number of Pelephone subscribers was approximately 2.4 million, including 
approximately 2 million postpaid subscribers and approximately 0.4 million prepaid subscribers. It 
should be noted that the volume of revenue from prepaid subscribers is not material in relation to 
Pelephone’s total revenue. 

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3.5.  Marketing, distribution and service 

Pelephone's  distribution  system  includes  about  300  points  of  sale  where  you  can  join  Pelephone 
services. The set of points of sale is diverse and includes stores and stalls operated by Pelephone, 
retail  chains  that  market  Pelephone  products  and  about  20  Service  and  sales  centers  located 
throughout  Israel  that  handle  service,  customer  sales,  repair  device  and  customer  retention.  In 
addition, Pelephone operates an internal and external network of telephone marketers. As a rule, the 
remuneration to the marketers is paid as commissions from the sales. 

Pelephone's  service  system  for  subscribers  includes  diverse  digital  channels  including  the 
Pelephone website hone, self-service app and call centers. 

3.6.  Competition 

3.6.1.  General  

In recent years, the Ministry of Communications has taken a number of regulatory moves 
in order to increase competition in the cellular communications market. The large number 
of cellular operators  in  the market led  to  a  high  level of competition,  which continued  in 
2020. The continuation of the trend led to a large number of subscribers among operators 
and a reduction in cellular package prices, which led to erosion in rates and profitability in 
both private and business customers. 

In order to compensate for the erosion of package prices, Pelephone employs a strategy 
for  growth  in  the  number  of  subscribers  alongside  streamlining  and  costs  structure 
adjustment (see section3.17). 

For details regarding the acquisition of Golan Telecom shares by Cellcom, see section1.7.1 
above.  

Below is data, to the best of Pelephone's assessment, about the number of subscribers of 
Pelephone and its competitors over the years 2019 and 2020 (thousands of subscribers, 
approximately): 

Pelephon
e 

Cellcom 
(includin
g Golan 
Telecom) 
(3) 

Partner(3
) 

Hot 
Mobile(2
) 

MVNO 
And other 
operators(
1) 

Total 
subscriber
s in the 
market 

2,327 

3,671 

2,657 

1,630 

684 

21.2% 

33.5% 

24.2% 

14.9% 

6.2% 

2,396 

3,641 

2,762 

1,636 

782 

21.4% 

32.5% 

24.6% 

14.6% 

7.0% 

10,969 

11,217 

As of 
Decembe
r 31, 2019  

As of 
Septembe
r 30,  
2020 

Number of 
subscriber
s  
Market 
Share 
Number of 
subscriber
s  
Market 
Share 

(1) Most  of  the  MVNOs  and  the  other  operators  (which  include,  among  others, 
XFONE) are private companies that do not publish data regarding the number of 
their subscribers, and the  said data  is based  on an estimate of data on mobility 
between companies. 

(2) Hot Mobile's Q3/2020 data is based on an estimate, according to data published in 

Altice's reports. 

(3) The number of subscribers is correct as of September 30, 2020, based on Cellcom 

and Partner reports to the public. 

3.6.2.  Infrastructure sharing agreements and granting network use right  

For details regarding the existing infrastructure sharing agreements in the market as of the 
date of the report, see section 3.1.8.2. As mentioned, infrastructure sharing enables the 
consolidation  of  cellular  operator  sites  in  a  way  that  will  significantly  reduce  the  cost  of 
operating and maintaining radio sites for each operator.  

Pelephone is not a party to the radio network sharing agreement, so it does not enjoy the 
savings  resulting  from  the  shared  use  of  the  radio  network,  but  on  the  other  hand  it 
exclusively controls its cellular network, the maintenance of its technological route and the 
volume of investments in it. In addition, the frequency inventory in the Pelephone network 
is smaller compared to the frequency inventory in the networks of participating competitors. 

3.6.3.  Positive and negative factors that affect Pelephone's competitive position 
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3.6.3.1  Positive factors: 

a)  A cellular network with a broad and high-quality deployment. 

b) 

Its position as a fast and advanced cellular network.  

c)  A diverse and wide distribution system that operates through call centers and 
through  a  large  number  of  fromtal  points  of  sale  and  is  operated  by 
Pelephone, external marketers and through leading retail chains. 

d)  A  wide  range  of  services  and  a  variety  of  customer  service  interfaces, 
including  digital  channels,  which  enable  the  provision  of  a  high  level  of 
service to customers. 

e) 

 Ability to sell through sub-brands in dedicated sales channels alongside the 
Pelephone brand.  

f)  A solid capital structure and a positive cash flow. 

3.6.3.2  Adverse factors: 

a)  As a subsidiary of Bezeq, Pelephone is subject to regulatory restrictions on 
entering additional areas of activity and expanding the basket of services to 
customers who do not apply to its competitors.  

b)  There are restrictions on joint activities with Bezeq, including the marketing 

of joint service packages (see section 1.7.2). 

c)  The  costs  of  setting  up,  operating  and  maintaining  cellular  networks  in 
Pelephone  are  expected  to  be  higher  compared  to  competitors  operating 
through the sharing of radio segment infrastructure. 

3.7.  Fixed assets and facilities 

Pelephone's fixed assets include infrastructure equipment of the network core, radio sites, electronic 
equipment,  computers,  vehicles,  end  equipment,  office  furniture  and  equipment,  and  leased 
improvements.  

3.7.1.  Infrastructure 

3.7.1.1 

 Pelephone  currently  operates  communication  networks  in  three  main 

technologies, as follows: 

a)  5G - the NEW RADIO technology that uses a very broadband spectrum (100 
MHz at Pelephone) and enables higher capacity and higher browsing rates 
for  the  user.  In  the  future,  the  technology  will  enable  IoT  applications  at 
significantly  higher  volumes  than  today  and  at  a  very  high  level  of 
performance. 

b)  4G - LTE technology from the GSM standards family. The advantages of the 
technology are high capacity for data communication  and faster download 
and upload rates than those that exist in 3G. All end devices that support this 
technology  also  support  3G  technology  and  there  is  a  smooth  transition 
between the technologies. 

c)  3G  -  technology  in  the  UMTS  method  based  on  GSM  standard.  This 
technology is very common in the world and enables subscriber identification 
and  service  through  a  subscriber  identification  card  (SIM)  that  can  be 
On December 10, 2020, 
transferred from one end device to another. 
the Ministry of Communications issued a hearing regarding the future closure 
of networks mobile radio telephone operating on old technologies, in Israel 
(2G  and  3G  networks)  with  state-of-the-art  technologies  (4G  onwards), 
public notification, and disconnection of these devices from the network. The 
Ministry has not yet announced its decision at this hearing. 

3.7.1.2  As of the date of the report, Pelephone's network infrastructure is mainly 

based on two switching farms connected to more than 2,400 sites. 

3.7.1.3  Network investments 

In  recent  years,  Pelephone  has  invested  in  deploying  a  4G  network  and 
upgrading it with innovative technologies (such as Beam Forming, MIMO4x4 and 
QAM 256 and Carrier Aggregation in the access network, and in IMS at the core 
of the network (see section3.1.5). Pelephone estimates that the financial volume 

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of investments in the network in 2021, including the expansion of the 4G network 
(with the use of 700/2600 MHz frequencies) and the deployment of the 5G (with 
the use of 3500 MHz frequencies) will be similar to investments made in 2020, 
during  which  many  investments  were  made.  Winning  frequencies  in  the 
framework  of  the  5G  tender,  except  in  the  case  of  changing  frequencies  in 
accordance with state requirements (see section3.8.2.3). 

In addition, as part of its current investments, in the next ten years, Pelephone 
will  be  required  to  continue  to  establish  new  transmission  sites,  among  other 
things  for  the  purpose  of  complying  with  the  conditions  of  the  mobile  radio 
telephone license. 

In addition, Pelephone has begun planning and evaluating the implementation of 
advanced data communication services in the 5G track. The layout is designed 
to integrate with existing infrastructure and systems. Activating  such advanced 
services will be based on 5G technology that Pelephone will continue to deploy, 
and  will  later  be  based  on  a  new  network  core  dedicated  to  5G  (see  section 
3.8.2.4). 

Pelephone's  estimates  as  aforesaid  regarding  the  costs  of  investing  in  the 
network and the date of their formation are forward-looking information within its 
meaning of the Securities Law, based on Pelephone's forecasts and estimates, 
inter alia, regarding the rate of network expansion and upgrade of the network. 
Accordingly,  the  information  may  not  fully  or  partially  materialize  or  may 
materialize in a different format than that which was assessed, insofar as the said 
forecasts and assessments are not fulfilled or will be fulfilled in a different way 
than expected. 

3.7.2.  Areas used by Pelephone 

Pelephone does not own real estate and it leases from others, including Bezeq, the areas 
it  uses  for  its  activities.  The  following  is  a  description  of  most  of  the  areas  used  by 
Pelephone: 

3.7.2.1  The areas used by Pelephone to place communication sites and network 
centers as stated in the section 3.7.1 are spread throughout Israel and leased for 
different  periods  (in  many  cases  for  5  years  plus  the  option  to  extend  the 
agreement for another 5 years). For site licensing, see sectionError! Reference 
source not found.. 

3.7.2.2  Until  December  31,  2019,  a  license  agreement  was  in  force  between 
Pelephone and ILA for the use of ILA real estate for the construction and operation 
of communication sites, which regulated, among other things, the license fee for 
such use for the period until December 31, 2019. These days, a dialogue is taking 
place between Pelephone and the other cellular companies and ILA regarding the 
terms of the renewal of the license agreement. 

3.7.2.3  Pelephone's headquarters are in Petah Tikva. 

3.7.2.4  For service and sales activities, Pelephone rents about 50 service centers 

and sales points spread throughout Israel. 

3.7.2.5  Pelephone has additional lease agreements for warehouses (including a 
central logistics center with a central laboratory for repairing customer devices), 
offices, call centers and 2 switching farms used by it for its operations. 

3.8.  Intangible assets 

3.8.1.  Licenses 

For details regarding Pelephone's mobile radio telephone license and operating license in 
Judea and Samaria, see section 3.14.2. 

3.8.2.  Right to use frequencies 

3.8.2.1 

In Israel, there is a shortage of radio frequencies for public use (among 
other things, due to the allocation of many frequencies for security uses). As a 
result,  the  government  limits  the  number  of  licenses  that  can  be  used  in 
frequencies.  

3.8.2.2  Pelephone’s frequency inventory 

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Pelephone has the right to use frequencies by virtue of the mobile radio telephone 
license and the Telegraph Order in the ranges of 850 MHz50 and 2100 MHz for 
operating the network in UMTS / HSPA technology, and in the 1800 MHz, 700 
MHz and 2600 MHz range for network operation in the LTE technology (see also 
section3.1.5) and in the range of 3500 MHz for the purpose of operating a network 
with 5G technology. During 2017, Pelephone returned to the National Frequency 
Database 2 frequency bands with a width of 1  Mega  each in the range of 850 
MHz, and towards the end of April 2017, it received a temporary allocation of a 
band in the range of 1800 MHz with a width of 5 Mega. This allocation is limited 
in use and is for a fixed period. 

The  Ministry  of  Communications  has  reassigned  a  temporary  allocation  of  this 
band  until  the  end  of  December  31,  2021  under  conditions  and  restrictions,  in 
order to allow Pelephone to prepare for the expected change in the replacement 
of frequencies in the first Giga range (see section 3.8.2.3).  

3.8.2.3  Switching freqencies in the first Giga range 

In July 2018, the Ministry of Communications informed Pelephone that it intends 
to  adjust  cellular  frequencies  in  Israel  to  European  standards  and  the  area  in 
which  the  State  of  Israel  is  located,  so  that  Pelephone  and  another  cellular 
operator  will  be  required  to  replace  the  850  MHz  frequencies  with  other 
frequencies in the first GHz. In 2020, the Ministry of Communications announced 
to Pelephone that it intended to implement an outline for the replacement of 850 
MHz  frequencies  in  the  use  of  Pelephone,  against  the  background  of 
electromagnetic  interference  caused  to  neighboring  countries  due  to  non-
compliance  of  cellular  frequencies  in  Israel  with  European  standards  and  the 
stadards  of  the  region.  According  to  the  outline,  Pelephone  will  receive 
frequencies in the range of 800 MHz instead of 850 MHz, when in the first stage 
and  for  the  purpose  of  treating  such  interruptions,  the  amount  of  850  MHz 
frequencies  used  by  Pelephone  will  be  reduced  to  5  MHz  (instead  of  10  MHz 
today)  and  this  as  of  May  31,  2020.  Pelephone  forwarded  to  the  Ministry  of 
Communications, following his request, its reference to a number of issues and 
on March 17.    

On  June  1,  2020,  Pelephone  returned  to  the  Ministry  of  Communications 
frequencies in the range of 850 MHz, with a width of 5 MHz, so that the amount 
of 850 MHz frequencies owned by Pelephone decreased from 10 MHz to 5 MHz. 
On November 26, 2020, the Ministry of Communications allowed Pelephone to 
reuse full 2X10 MHZs in the 850 range until March 31, 2021. 

Reducing the amount of 850 MHz frequencies, as stated, may cause damage to 
the service provided by Pelephone. It should be noted that the frequency serves 
Bezeq's 3G services, but damage to these services may also affect 4G services 
in certain areas due to possible network congestion and traffic in 4G networks. 
The harm is expected to be moderate due to increased penetration of the use of 
VOLTE  and  thanks  to  the  expansion  of  the  700  frequency  deployment  in  LTE 
technology. Pelephone is preparing to minimize the expected damage.  

Frequency replacement is a complex engineering project that requires replacing 
and upgrading active / passive infrastructure on Pelephone's radio sites, and may 
involve significant costs that may vary depending on the process and timing to be 
determined with the Ministry of Communications.  

Pelephone's assessments as stated above are forward-looking information within 
its  meaning  of  the  Securities  Law.  These  assessments  may  not  materialize, 
partially materialize or materialize in a manner substantially different from what is 
stated,  depending,  among  other  things,  on  the  actual  implementation  of  the 
outline and the state of the Pelephone network. 

3.8.2.4  Tender for advanced broadband services ("the Tender") 

On August 12, 2020 Pelephone won the allocation of frequencies as a result of 
its participation in the tender for mobile radio telephone services in advanced 5G 
bandwidths.  

50 Pelephone has the option of requesting a 5-mega allocation in the 800 MHz range following the 850 MHz frequency evacuation 

project.  

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The main points of the Tender in which it won, as stated, among other things, are 
as follows: 

The Tender includes provisions regarding the coverage and quality requirements 
of the network that will be anchored as part of the amendment of the mobile radio 
telephone  licenses  of  the  existing  operators  (see  amendment  to  Pelephone’s 
license below). 

The Tender including the possibility of receiveing the following incentives: 

•  Possibility of discounts in the frequency fees for the first four years, subject 
to  the  approval  of  the  Ministry  of  Communications  and  the  Ministry  of 
Finance. 

•  Possibility of receiving a conditional grant for the deployment of 5G sites 
according to the conditions specified in the Tender (such as meeting the 
scope  of  deployment,  schedules,  deployment  period  and  timing  of 
deployment  in  relation  to  others  and  additional  conditions  set  in  the 
Tender). 

For  details,  see  also  section  3.19.2.1.  For  details  regarding  exposure  to 
interference in the frequency ranges of Pelephone, see section3.19.3.10.  

The  following  are  the  conditions  under  which  Pelephone  won  the  allocation  of 
such frequencies: 

1. Winning at 10 Mega in the 700 MHz range (for a  period  of 15 years); at 20 
Mega in the 2600 MHz range (for a period of 10 years); And at 100 Mega in the 
field of 3500 MHz (for a period of 10 years). The license period does not change 
as a result of the Tender and can be renewed in accordance with the license 
provisions  (hereinafter:  "Frequency  Allocation").  It  should  be  noted  that  the 
frequencies  won  by  Pelephone  are  used  exclusively  by  Pelephone  network. 
This will give a competitive advantage to the Pelephone network, and it should 
also be noted that companies that do not own existing networks did not win the 
Tender. 

2. Pelephone's win in the Frequency Allocation has a total cost of NIS 88,230,000, 
with the payment date set for September 2022. In this context, it should be noted 
that the Tender further stipulates that incentives may be obtained, as specified 
in above, including receiving a conditional grant for the deployment of 5G sites 
according to the conditions specified in the Tender, the amount of which, for all 
the winners, can reach a total amount of NIS 200 million. As part of the update 
of the regulations under which the frequency fees are paid, a reduction in the 
amounts of the fees for 2600 and 3500 MHz frequencies was determined, as 
well as a conditional annual discount, from the total amount of the frequency 
fees to be paid by Pelephone in the next four years, which will be examined by 
the Ministry of Communications every year). 

On October 1, 2020, Pelephone's license was amended in accordance with the 
winning results (shortly before, Pelephone was allocated the frequencies at which 
it won as stated). With the amendment of the license, Pelephone began operating 
the frequencies which it won in the Tender at the broadcast sites upgraded by it. 

Said Frequency Allocation will enable support for the increase in the volume of 
browsing  in  the  4G  and  in  the  future  offer  services  in  the  5G  at  much  higher 
browsing  rates  than  today,  which  will  allow,  among  other  things,  expanding  a 
variety  of  advanced  cellular  uses,  such  as  smart  cities,  IoT  services,  critical 
mission services with low latency, private networks and more and all in order to 
provide a competitive solution in the market and will involve ongoing investments. 

In this regard, see also Note 11 to the 2020 statements. 

3.8.3.  Trademarks 

Pelephone has a number of registered trademarks. The main one is the "Pelephone" brand. 

3.8.4.  Computer software, systems and databases 

Pelephone uses software and computer systems, some based on licenses it has acquired 
and some developed by Pelephone's information systems division. Many of these licenses 
are  limited  in  time  and  are  renewed  from  time  to  time.  The  main  systems  used  by 
Pelephone  are  an  ERP  system  by  Oracle  Applications  and  a  customer  billing  and 

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management system by Amdocs. 

Pelephone is also working to upgrade the CRM (customer management) to an advanced 
Salesforce  cloud  platform  together  with  Bezeq  International  and  DBS.  Pelephone  is 
dependent on the Salesforce system and services, due to their importance for the purpose 
of managing relationships with its customers. System failures or the cessation of services 
by this provider are likely to cause operational difficulty until the matter is rectified or the 
system / provider is replaced, which may take a long time 

3.9.  Human capital 

3.9.1.  Organizational structure 

The following is a diagram of Pelephone's  organizational structure, as of the date of the 
report: 

Board of 
Directors 

CEO 

Deputy 
CEO

HR and 
Administr
ation 
Division 

Finance 
Division 

Private 
Custome
r 
Division 
*  

Informati
on 
Systems 
Division 

Engineer
ing 
Division 

Busines
s 
Division 

DBS

Marketin
g 
Division 

Legal 
advice 
and 
Regulati
on 

Public 
Relation
s 

Internal 
Auditor 

(*) The Director of the Private Customers Division is the Deputy CEO. 

As  part  of  the  implementation  of  the  synergy  processes  with  the  Group's  subsidiaries, 
Pelephone's CEO, Mr. Ran Guron also serves as CEO of DBS and Bezeq International. In 
addition, most of the VPs who serve on Pelephone also serve as VPs at DBS and Bezeq 
International. 

3.9.2.  Employee base and number of jobs 

The following is a breakdown of the number of employees in Pelephone according to its 
organizational structure:  

Division 

and 

and 

Management 
administration divisions 
Private 
customer divisions 
Engineering  and  Information 
Systems Divisions 
Total 

business 

Number of employees 

December 
31, 2020 
210 

December 
31, 2019 
238 

1,290 

1,533 

400 

431 

1,900 

2,202 

The number of employees included in the table above includes employees employed part-

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time. The total number of jobs51 in Pelephone as of December 31, 2020, was 1,619 (as of 
December 31, 2019 - 1,956). 

3.9.3.  Terms of employment  

Most  Pelephone  employees  are  employed  under  a  monthly  agreement  or  an  hourly 
agreement, according to the professions and positions in which they are engaged. Most of 
the service and sales staff are part-time shift workers and are employed on an hourly basis. 
The other Pelephone employees are employed on a monthly basis. 

3.9.4.  Collective agreement 

The labor relations at Pelephone are regulated in a collective agreement signed between 
Pelephone and the new  Histadrut - the Cellular, Internet and High-Tech Workers' Union 
("the Histadrut") and the Pelephone Employees’ Committee. The agreement applies to all 
Pelephone employees, with the exception of senior executives and certain employees in 
pre-defined positions. 

On November 13, 2019, a renewal of the existing collective agreement was signed between 
the parties, which includes streamlining and synergy procedures, for a period of up to June 
30, 2022 (“the Agreement"). 

Under the Agreement, Pelephone will, among other things, terminate the employment of 
210 permanent employees during the term of the Agreement, some of them as part of a 
voluntary retirement. Moreover, according to its plan, it will terminate the employment of 
190 additional non-permanent employees, in addition to not recruiting employees instead 
of employees the employment oh whom will be terminated. The Agreement also includes 
providing a one-time bonus to employees who will not be included in the retirement plan. 
Expenses  in  respect  of  the  Agreement  amounted  to  approximately  NIS  100  million  and 
were recorded in 2019 and 2020. 

3.9.5.  Labor disputes 

On January 31, 2018, Pelephone was notified by the Histadrut ("the Histadrut Notice") of 
the declaration of a labor dispute in accordance with the Labor Disputes Settlement Law, 
5717-1957. According to the Histadrut Notice, the issues in the dispute are the employees’ 
requirements  for  consultation  and  negotiations  regarding  the  sale  of  Bezeq's  controlling 
shares to the new owners and the regulation of their rights as a result. 

Following  the  Histadrut  Notice,  on  November  28,  2019,  Pelephone's  offices  received  a 
notice  from  the  Chairman  of  the  Histadrut  and  the  Pelephone  Employees’  Committee, 
including a demand for collective bargaining with the  employees' representatives against 
the background of the acquisition of control of Bezeq. 

3.10. Suppliers 

3.10.1. End equipment suppliers 

Pelephone purchases some of the end equipment and accessories from different providers 
in  Israel  and  in  the  world  and  some  it  imports  independently.  In  addition,  Pelephone 
purchases end equipment and accessories by way of purchase consignation with the right 
to  return  to  the  end  equipment  suppliers.  Contracts  with  some  suppliers  are  based  on 
framework agreements that regulate, inter alia, the supplier's technical support for the end 
equipment provided thereby, the availability of spare parts and repairs and the supplier's 
warranty for the products. In most cases, these agreements do not include an obligation 
on  Pelephone's  part  to  make  purchases,  and  they  are  executed  on  an  ongoing  basis 
through a purchase order according to Pelephone's needs. 

In the event of a termination of contract with a particular end equipment supplier, Pelephone 
may increase the quantity purchased from other end equipment suppliers, or purchase end 
equipment from a new end equipment supplier. 

Pelephone’s essential suppliers are Apple and Samsung with which Pelephone does not 
have  an  agreement  that  requires  the  purchase  of  a  minimum  annual  quantity  and  the 
purchases are made on the basis of orders made by Pelephone from time to time. 

Pelephone  purchases  rate  from  each  of  the  suppliers  Apple  and  Samsung  in  2020 

51The calculation of the number of "jobs" in Pelephone is: the total monthly working hours divided by the monthly working hours quota. 

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accounted for over 10% of all Pelephone purchases from all Pelephone’s suppliers52, but 
less than 5% of total Group purchases (consolidated) from all its suppliers. The distribution 
of  peripheral  equipment  purchases  among  suppliers  is  such  that  it  does  not  create  a 
material dependence on the supplier or model of equipment. 

3.10.2. Infrastructure providers 

Cellular infrastructure equipment in the UMTS, LTE and the 5G networks are provided by 
LM Ericcson Israel Ltd. ("Ericcson"). Ericcson is also a significant supplier of Pelephone 
in  the  field  of  microwave  transmission.  Pelephone  has  multi-year  agreements  for 
maintenance,  support  and  software  upgrades  for  the  UMTS  network,  as  well  as  an 
agreement for the purchase of 4G (LTE) and 5G equipment with Ericsson, and in its opinion 
it may be dependent on it in connection with network support and expansion. In addition, 
the cellular network uses transmission, and Bezeq is a significant supplier of Pelephone in 
this field. 

Pelephone  has  a  multi-year  transmission  agreement  with  Bezeq  that  includes  use  and 
maintenance.  

3.11. Working capital 

Credit policy  

Credit in device sales transactions - Pelephone gives most of its customers who purchase mobile 
phones the option to spread the payments up to 36 equal  payments. In order to reduce exposure 
that may arise as a result of providing credit to its customers, Pelephone operates in accordance 
with a credit policy that is reviewed from time to time. Pelephone also checks the financial strength 
of its customers (in accordance with the parameters set by it). 

Monthly  billing  credit  for  cellular  services  -  Pelephone  customers  are  charged  once  a  month  with 
billing cycles, performed on different dates throughout the month, for the consumption of last month's 
cellular services.  

Pelephone  receives  credit  from  most  of  its  providers  for  a  period  ranging  from  30  days  to  end  of 
month + 92 days. 

The following are data regarding average suppliers' and customers' credit in 2020:  

Customers for the sale of end 
equipment (*) 
Customers for services (*) 
Suppliers 
(*) Net of loan-loss 

Credit volume 
in NIS millions 

Average credit 
days 

626 

180 
234 

328 

35 
32 

3.12. Taxation 

See Note 7 to the 2020 statements.  

3.13. Environmental risks and ways of managing them 

3.13.1. The provisions of the law concerning the environment and apply to the activities of 

Pelephone 

The  broadcast  sites  used  by  Pelephone  are  "radiation  sources"  in  accordance  with  the 
Non-Ionizing  Radiation  Law.  The  establishment  and  operation  of  these  sites,  with  the 
exception of sites listed in the appendix to the law, requires the receipt of a radiation permit. 

The law establishes a two-stage licensing mechanism for obtaining a permit to operate a 
radiation source, according to which the applicant for a permit must first obtain a permit to 
establish the radiation source ("Establishment Permit"), valid for a period not exceeding 
three months, which can be extended by the Commissioner by up to 9 months, followed by 
a permit to operate a source of radiation ("Operating Permit"), which is valid for a period 
of five years or as otherwise determined by the Minister of Environmental Protection.  

With regard to the Establishment Permit, the law stipulates the granting of the permit by 
performing  an  assessment  of  the  maximum  levels  of  exposure  of  people  and  the 

52   All suppliers - all Pelephone’s suppliers, including suppliers who are not suppliers of end equipment and electronic devices.  

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environment  to  the  radiation  expected  from  the  radiation  source  when  it  is  activated, 
including  in  the  event  of  a  malfunction;  And  taking  the  necessary  measures  to  limit  the 
levels  of  exposure  of  humans  and  the  environment  to  the  radiation  expected  from  the 
radiation  source  when  it  is  activated,  including  the  use  of  technological  means  in  use 
("Limitation Means"). 

With regard to the Operating Permit, the law stipulates the granting of the permit by  the  
taking of measures to limit and make measurements of the levels of exposure of humans 
and the environment to the radiation generated during the activation of the radiation source. 
The  law  also  conditions  the  granting  of  an  Operating  Permit  by  presenting  a  license  in 
accordance with the Communications Law, and in some cases, also by presenting a permit 
under the Planning and Construction Law. 

The  law  includes  a  penalty  chapter  which  stipulates,  inter  alia,  that  the  construction  or 
operation of a radiation source in violation of the terms of the permit and the construction 
or operation of a radiation source without a permit after receiving written notice from the 
Commissioner, are a criminal offense.  

It will be noted that regulating the maximum permissible levels of exposure of human beings 
to radiation from a radiation source and the safety ranges from  transmission facilities to 
communications, including the restriction on placing a radiation source on roof terraces, is 
still in the process of legislation with the Knesset's Interior Committee on the Environment, 
as  part  of  an  amendment  proposed  to  the  regulations  under  the  Non-Ionizing  Radiation 
Law, which was accompanied with disagreements between government ministries. 

In  January  2009,  the  Commissioner  for  Radiation  at  the  Ministry  of  Environmental 
Protection  issued  guidelines  regarding  safety  ranges  and  maximum  permitted  levels  of 
exposure  regarding  radiation  from  radio  frequencies,  including  cellular  antennas. 
Discussions  are  taking  place  around  these  ranges  against  the  background  of  the 
announcement  by  the  World  Health  Organization  (IARC)  according  to  which  radio 
frequency electromagnetic fields associated with cell phone use have been classified as 
possible carcinogens in humans (Group 2B)53. 

It should also be noted that the Ministry of Environmental Protection operates a system of 
continuous  supervision  and  monitoring  of  the  broadcasting  centers  to  check  their 
compliance with the requirements of the law. 

Cellular  services  are  provided  through  a  mobile  phone  that  emits  non-ionizing  radiation 
(also  known  as  electromagnetic  radiation).  The  Consumer  Protection  Regulations 
(Information  on  Non-Ionizing  Radiation  from  a  Mobile  Phone)  5762-2002  stipulate  the 
maximum permissible level of radiation of a cellphone measured by units SAR (Specific 
Absorption  Rate)  and  informing  Pelephone's  customers  in  this  context.  To  the  best  of 
Pelephone's  knowledge,  all  the  cellular  devices  it  markets  meet  the  required  SAR 
standards. See also section3.19.2.5.  

3.13.2. Pelephone policy in environmental risk management 

Pelephone conducts periodic radiation tests to ensure compliance with permitted operating 
standards and international standards. These tests are outsourced to companies licensed 
by  the  Ministry  of  Environmental  Protection.  Pelephone  has  an  internal  enforcement 
procedure  for  supervising  the  implementation  of  the  provisions  of  the  Non-Ionizing 
Radiation  Law,  according  to  which  a  senior  administrative  body  has  been  appointed  as 
responsible  for  its  implementation.  The  purpose  of  the  procedure  is  to  implement  the 
provisions of the law and to reduce the possibility of violating it. 

3.13.3. Transparency to consumers 

Pelephone is subject to relevant laws that stipulate advertising obligations and information 
about  the  sources  of  radiation  that  it  activates  and  the  mobile  devices  that  it  provides. 
Pelephone publishes information on its website regarding the level of SAR emitted from 
cell phones and the Ministry of Health's recommendations for precautionary measures in 
the use of cell phones. 

3.14. Restrictions and supervision of Pelephone’s operations 

3.14.1. Legislative restrictions 

53  

It  should  be  noted  that  from  time  to  time  various  documents  are  published  on  the  website  of  the  Ministry  of  Environmental 
Protection, at www.sviva.gov.il, and on the World Health Organization website, at www.who.int 

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3.14.1.1   Communications Law  

The provision of cellular services by Pelephone is subject to the provisions of the 
Communications Law and its regulations. For details regarding the mobile radio 
telephone  license  granted  to  Pelephone  under  the  Communications  Law,  see 
section3.14.2.  

The  law  authorizes  the  Director  General  of  the  Ministry  of  Communications  to 
impose financial sanctions due to various violations of the provisions of the law 
and  of  orders  and  provisions  issued  under  it,  as  well  as  due  to  violation  of 
conditions in the license.  

3.14.1.2  Wireless Telegraph Order  

The  Telegraph  Order  regulates  the  use  of  the  electromagnetic  spectrum,  and 
applies, among other things, to the use of radio frequencies made by cell phones, 
as part of its  infrastructure. Establishment  of  a system that  uses and operates 
radio frequencies is subject, under the Telegraph Order, to licensing, and the use 
of radio frequencies is subject to the designation and allocation of an appropriate 
frequency. According to the Telegraph Order, license fees and fees are imposed 
for the designation of frequencies and their allocation. The Order authorizes the 
Ministry  of  Communications  to  impose  financial  sanctions  due  to  various 
violations of its provisions. 

For radio frequencies assigned to cell phones, see section 3.8.2. 

3.14.1.3  The Non-Ionizing Radiation Law 

With respect to facilities that emit electromagnetic radiation see section 3.13. 

3.14.1.4  Consumer legislation and privacy protection and information security laws 

As part of its activities,  Pelephone  is subject to the Consumer  Protection Law, 
which regulates a dealer's obligations to consumers, as well as the laws of privacy 
protection and information security (see section 1.7.4.5).  

3.14.1.5  Change in interconnectivity fee rates (Call Completion Fee) 

 Interconnectivity rates are set by the regulator. For details see section 1.7.4.1. 

3.14.2. Pelephone's mobile radio telephone license  

3.14.2.1  General 

Pelephone's  mobile  radio  telephone  license  as  well  as  the  general  license  to 
provide cellular services in the Judea and Samaria area are valid until September 
202254. 

The following are the main instructions from Pelephone's mobile radio telephone 
license:  

a) 

In certain circumstances, the Minister may change the terms of the license, 
restrict it or suspend it and, and in some cases even cancel it. 

b)  The license is not transferable and includes restrictions on the purchase or 
transfer (including by way of lien) directly or indirectly of control or of 10% or 
more of any means of control in Pelephone, including the lien of such means 
of control, unless the Minister's prior consent is given.  

c)  Pelephone must provide an interconnectivity service on equal terms to any 
other operator and must avoid any discrimination in interconnectivity.  

d)  Pelephone must refrain from preference of providing infrastructure services 
to a licensee who is an affiliated company (as defined in the license) over 
another licensee.  

54   The  wording  of  the  Pelephone’s  mobile  radio  telephone  license  is  published  on  the  website  of  the  Ministry  of  Communications  at 
www.moc.gov.il. The provisions of the mobile radio telephone license applies on the license in the Judea and Samaria area (with certain 
changes)). 

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e)  The  license  specifies  the  mobile  radio  telephone  services  that  Pelephone 
may  provide  and  states  that  it  is  not  allowed  to  provide  additional  mobile 
radio telephone services that are not specified in the license. 

f)  Pelephone may not sell, rent, or mortgage property from the properties used 
the  Minister  of 

to  carry  out 
Communications, except for certain exceptions set forth in the license. 

the  consent  of 

license  without 

the 

g) 

In times of emergency, the person authorized by law has the authority to give 
Pelephone various instructions regarding the manner of its operation and / 
or the manner of providing the services (see section 3.19.2.9). 

h)  The license specifies the types of payments that Pelephone may charge its 
subscribers for cellular services, and the reports it must give to the Ministry 
of Communications. The license also stipulates the authority of the Minister 
to intervene in rates, in some cases. 

i)  The license requires Pelephone to a minimum standard of service.  

j) 

In order to secure Pelephone's obligations and in order to compensate and 
compensate the State of Israel in the event that Pelephone's action causes 
it  damage,  Pelephone  provided  a  bank  guarantee  to  the  Ministry  of 
Communications, in the amount of NIS 71.6 million.  

Pelephone submitted a request to the Ministry of Communications to renew the 
license for a period of 10 years. 

3.14.2.2  Ministry of Communications guidelines regarding license changes 

The Ministry periodically updates Bezeq’s license on various issues, as part of 
hearings held by it. 

3.14.3. Site construction licensing 

Pelephone's cellular services are provided, among other things, through cellular sites that 
are deployed throughout Israel in accordance with engineering needs. The constant need 
to upgrade and improve the quality of cellular services requires the establishment of cellular 
sites, configuration changes, and changes to existing antenna arrays. 

Pelephone uses transmission sites of two main types and in two tracks: macro sites that 
require a building permit from the Planning and Construction Committees (see reference 
to National Outline Plan 36A below) and wireless access facilities ("Access Facilities"), 
which are exempt from a building permit under the Communications Law and the planning 
and Construction Law ("Exemption Provision") and for which regulations were published 
in 2018. 

Pelephone's ability to maintain and preserve the quality of its cellular services, as well as 
its coverage, is based in part on its ability to establish cellular sites and install infrastructure 
equipment,  including  broadcasting  sites.  The  difficulties  encountered  by  Pelephone  in 
obtaining  the  necessary  permits  and  approvals  can  adversely  affect  the  existing 
infrastructure, the network's performance as well as the establishment of additional cellular 
sites required by the network. Difficulties in deployment also exist in the Judea and Samaria 
area, for which a special legal system applies. 

The inability to resolve these issues in a timely manner may even prevent the achievement 
of service quality goals set forth in the mobile radio telephone license.  

Pelephone,  like  other  cellular  operators  in  Israel,  has  set  up  some  of  the  cellular  sites 
throughout Israel on properties managed by the Israel Land Authority. This, among other 
things,  according  to  an  umbrella  contract  from  June  2013.  It  should  be  noted  that  this 
umbrella  contract  ended  on  December  31,  2019,  and  Pelephone,  as  well  as  the  other 
cellular operators, and the Israel Land Authority are conducting a dialogue regarding the 
possibility  of  extending  the  contract  for  another  period  to  be  determined  between  the 
parties. 

Building permits for the construction of a transmission facility for cellular communications 
by virtue of National Outline Plan 36A: 

Licensing  of  the  construction  of  cellular  transmission  sites  subject  to  building  permits, 
regulated by National Outline Plan 36A, which came into force in 2002.  

The licensing procedure according to NPA 36A requires, inter alia, the receipt of approvals 
as follows: A.  Approval  of  establishment and operation by the Ministry of Environmental 

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Protection, as specified in section 3.13.1; B. Approval of the Civil Aviation Administration, 
in some cases; C. IDF approval. 

In addition, according to the law, a condition for granting a permit for the establishment of 
a transmission facility for cellular communications is the submission of a letter of indemnity 
to the local committee in respect of claims for compensation for impairment. As of the date 
of this report, Pelephone has deposited approximately 650 indemnity letters with various 
local committees. 

Despite NPA 36A in its existing format, Pelephone (and to the best of its knowledge, also 
from its competitors) encounters difficulties in obtaining some of the necessary approvals, 
especially the approvals of the planning and construction authorities.  

In  view  of  the  criticism  leveled  against  National  Outline  Plan  36A  by  various  parties,  a 
proposal  to  amend  National  Outline  Plan  36  (the  "New  National  Outline  Plan  36/A 
Proposal") was published about a decade ago, which is stricter and heavier in relation to 
the  wording  in  force,  and  may  make  it  difficult  to  license  cellular  sites  in  this  route.  The 
amendment to National Outline Plan 36A has not been implemented in recent years, but 
the need and desire to make amendments to National Outline Plan 36A remains in place. 

It should also be noted that in two administrative petitions filed against cellular companies, 
including  Pelephone,  in  the  Haifa  District  Court,  the  legality  of  building  permits  issued 
pursuant to National Outline Plan 36A to cellular transmission facilities was chakkenged. 
The main arguments of the petitioners in the two petitions were that the frequencies used 
by the cellular companies do not correspond to the frequencies set forth in National Outline 
Plan 36A. On April 12, 2018, a ruling was given in one of the petitions in which the claims 
of the cellular companies were accepted by the Appeals Committee and in which it was 
determined,  among  other  things,  that  despite  the  use  of  varying  frequencies  during  the 
development  of  cellular  infrastructure,  the  building  permits  were  valid.  On  October  17, 
2018,  a  ruling  was  given  in  the  other  petition  in  relation  to  the  same  issue,  in  which  an 
opposite determination was made regarding the interpretation of the National Outline Plan 
and the alleged invalidity of the building permits. The two rulings were appealed to the High 
Court. On August 11, 2020 and November 2, 2020, the High Court ruled on the appeals. It 
was determined that the petitioners' interpretation must be rejected.The High Court also 
ordered  the  annulment  of  the  judgment  of  October  17,  2018,  in  which  a  reverse 
determination was made in connection with the interpretation of the National Outline Plan. 

As part of the "Pergola Reform" - Amendment 101 to the Planning and Construction Law, 
the Planning and Construction Regulations (works and buildings exempt from the permit) 
5774-2014 entered into force on 1 August 2014. Regulation 34 of the regulations stipulates, 
among other things, that adding an antenna to  an existing broadcasting facility is legally 
exempt from the permit subject to the existence of cumulative conditions and restrictions, 
including compliance with applicable spatial plans and guidelines, to be determined by the 
local committees. It should be noted that this exemption regulation is not practical due to 
one of its conditions, and has not been used. 

Access Facilities exempt from building permits: 

The second route in which Pelephone is deploying broadcast sites is the Access Facilities 
route. The Access Facilities are subject to the receipt of individual radiation permits but are 
exempt  from  obtaining  a  building  permit  provided  that  they  are  established  under  the 
conditions  set  forth  in  the  exemption  directive  (Article  266C  (a)  of  the  Planning  and 
Construction Law (installation of a wireless access facility for cellular method), 5778-2018 
and the regulations. 

Various  local  authorities  have  disputed  the  applicability  of  the  exemption  provision  of 
Access Facilities operating on a cellular network and its use. In a number of judgments and 
decisions by local Courts, Pelephone's position was adopted regarding the applicability of 
the  exemption  and  the  approval  of  the  use  of  these  facilities  and  the  equipment  that 
supports them. Some of these decisions and judgments have been appealed to the  High 
Court. 

As of the date of the report, Pelephone operates about 450 wireless access sites. 

It should be noted that in spot enforcement proceedings, which are taken from time to time, 
additional allegations arise regarding the manner in which the exemption is used, including 
compliance with regulations. To the extent that there are Pelephone facilities that do not 
meet the conditions set forth in the regulations, there is exposure in respect thereof if the 
dismantling or adjusting of those facilities becomes necessary. 

On March 27, 2018, an exemption provision was added to the Planning and Construction 

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Regulations (exemption from the permit) for a "miniature transmission facility", as defined 
in the regulations. The regulations further stipulate, among other things, that the installation 
of a miniature transmission facility and its external components on an existing building or 
facility is exempt from a permit subject to the existence of cumulative conditions. 

In conclusion:  

A  few  sites  that  were  established  years  ago  still  lack  the  approvals  of  the  Civil  Aviation 
Administration  and  the  IDF,  although  the  applications  for  approvals  have  already  been 
submitted. Also, some planning and construction committees have administrative or other 
delays  in  issuing  building  permits  to  sites.  Therefore,  Pelephone  operates  a  number  of 
broadcasting sites that have not yet been issued building permits.  

The establishment of a broadcasting site without obtaining a building permit is a violation 
of the law and in some cases this has led to the issuance of demolition orders or the filing 
of indictments or the filing of civil proceedings against Pelephone and some of its officers.  

As of the date of the report, Pelephone has in most cases been able to avoid demolition or 
delay the  execution of demolition orders within the framework  of arrangements reached 
with the planning and construction authorities, in order to try to settle the missing license. 
These arrangements did not require a confession of guilt and / or a conviction on the part 
of Pelephone officials. However, there is no certainty that this situation will continue in the 
future, or that there will be no further cases in which demolition orders will be issued and 
indictments will be filed for building permits, including against officers. 

Pelephone,  like  the  other  cellular  operators  in  Israel,  may  be  required  to  dismantle 
transmission  sites  for  which  the  necessary  approvals  and  permits  have  not  yet  been 
obtained in accordance with the deadlines set by law. Pelephone uses the access facilities 
to provide coverage and capacity in crowded areas. If a legal constraint is created for the 
simultaneous  dismantling  of  the  sites  in  a  given  geographical  area,  there  may  be  a 
deterioration in the service in that area, until the establishment of alternative broadcasting 
sites. 

3.14.4. Economic Competition Law 

In  the  terms  of  the  merger  of  Pelephone  and  Bezeq,  various  restrictions  are  anchored 
regarding cooperation between the companies (see section 2.16.8.42.16.8). 

3.15. Substantial agreements 

3.15.1. For agreements with Ericsson, see section  3.10.2. 

3.15.2. In  July  2016,  an  agreement  was  signed  between  Pelephone  and  the  Accountant 
General of the Ministry of Finance, according to which Pelephone will provide cellular 
services to state employees in an estimated 100,000 subscribers over three years. 
Under  the  agreement,  Pelephone  provides  devices  to  some  Accountant  General 
subscribers. 

In  May  2019,  the  state  chose  to  exercise  the  extension  option  granted  to  it  in  the 
agreement, and the agreement was extended until August 2022. 

3.15.3. Regarding an agreement with ILA (which expired and has not yet been renewed) see 

section 3.7.2.2.  

3.15.4. Regarding  a  collective  agreement  between  Pelephone  and  the  Histadrut  and 

Pelephone’s Employees’ Committee, see section 3.9.4. 

3.16. Legal Proceedings55   

During  the  day-to-day  business,  lawsuits  were  filed  against  Pelephone,  including  motions  for 
approval of class actions.  

3.16.1. Pending legal proceedings  

The following is a list of the claims in which the amount claimed is material and claims that 
may have material consequences for Pelephone's operations: 

55   For material reporting and material thresholds, see section 2.18. 

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Date 

Sides 

Court 

a. 

 August 
2010 

District 
(Center) 

Custom
er vs. 
Pelepho
ne 

Type of 
procedure 

A monetary 
claim 
together 
with a 
motion to 
recognize it 
as a class 
action 

May 
b.  7
2012 
. 

Custom
er vs. 
Pelepho
ne 

District 
(Tel 
Aviv) 

Class 
action 
lawsuit 

c. 

 Novem
ber 
2012 

d. 

 Novem
ber 
2013 

Custom
er vs. 
Pelepho
ne 

Custom
er vs. 
Pelepho
ne 

District 
(Jerusal
em) 

District 
(Tel 
Aviv) 

Monetary 
claim and a 
motion to 
recognize it 
as a class 
action 
Monetary 
claim and a 
motion to 
recognize it 
as a class 
action 

Amount of 

the claim 

NIS million 
The amount of 
the lawsuit is 
not specified, 
but in the 
motion it is 
estimated at 
tens of 
millions of 
NIS. 

About 124  

About 107 

About 300  

Details 

It  was  argued  that  Pelephone  should  refrain  from 
charging  VAT  from  customers  who  consume  its 
services during their stay outside Israel. The motion 
also  includes  the  remedy  of  an  order  instructing 
Pelephone to cease making VAT charges in respect 
of  the  services  subject  to  the  motion  for  approval 
consumed  by  them  outside  Israel,  and  an  order 
directing  to  return  the  funds  collected  so  far.  In 
August  2014,  the  Court  denied  the  motion  for 
approval.  In  October  2014,  an  appeal  was  filed 
against  the  ruling.  On  July  3,  2017,  a  High  Court 
ruling was given, according to which the applicants' 
appeal of the deinal decision was accepted, and the 
hearing  will  be  returned  to  the  District  Court  for  a 
decision  on  whether  VAT  money  was  illegally 
collected for overseas cellular services. According to 
the  ruling  of  the  High  Court,  to  the  extent  that  the 
District Court decides in the positive in the question 
and Pelephone is required to return to customers the 
VAT money it has collected, it will have an indemnity 
claim against the tax authority for the amounts it will 
be required to return. It was also determined that in 
the  context  of  service  packages  abroad  for  which 
payment  is  made  in  advance,  the  VAT  rate  is  0. 
According 
to  a  preliminary  assessment  by 
Pelephone, the ruling of the Hight Court means that 
the results of this proceeding have no further material 
impact on Pelephone. The petitioners and the State 
are  negotiating  between  them  and  therefore  the 
Court is delaying the decision on the petition. 

It  is  claimed  that  Pelephone  does  not  inform 
customers who wish to join its services with a device 
that was not purchased from Pelephone, that as long 
as  the  device  does  not  support  the  850  MHz 
frequency,  they  will  enjoy  partial  reception  of  one 
frequency  and  not  two.  In  March  2014,  the  Court 
approved  the  lawsuit  as  a  class  action,  following 
Pelephone's  announcement  regarding  its  consent 
(for reasons of efficiency) to the management of the 
lawsuit as a class action, while maintaining its claims. 
The procedure is split into two stages (the stage of 
clarifying  liability  and  the  stage  of  quantifying 
damages, as necessary in stage two).  On January 
20, 2019, a decision was given in the sale case under 
Pelephone's responsibility for the claim in the lawsuit, 
on  the  grounds  of  deception  under  the  Consumer 
Protection Law and on the grounds of lack of good 
faith in negotiations, in relation to the period up to the 
date of the decision to approve the claim as a class 
action (March 2014). Depending on the decision and 
previous  decision  in  the  case  the  next  step  in  the 
hearing  of  the  case  will  be  on  the  question  of  the 
alleged damage. 
It  is  alleged  that  Pelephone  allowed  the  illegal 
charging  of  as  subscriber  in  respect  of  cellular 
content services that were not ordered at all from the 
non-interactive  content  services  company.  At  that 
time, the parties are in mediation proceedings.  

It is alleged that Pelephone does not provide benefits 
in  the  same  way  to  all  its  customers,  thereby 
discriminating between customers whom Pelephone 
preferred,  as  the  plaintiff  claims,  other  customers, 
contrary  to  Pelephone’s  license  and  the  law.  In 
December  2019,  a  ruling  was  given  rejecting  the 
motion without an order for expenses. An appeal was 
subsequently filed with the High Court. 

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Date 

Sides 

Court 

Type of 
procedure 

Details 

e. 

 July 
2014 

f. 

 May 
2015 

Custom
er vs. 
Pelepho
ne, three 
other 
cellular 
compani
es and 
addition
al 
respond
ents 
Custom
er vs. 
Pelepho
ne 

District 
(Tel 
Aviv) 

Monetary 
claim and a 
motion to 
recognize it 
as a class 
action 

It was alleged that Pelephone, along with three other 
cellular companies, signed up subscribers to content 
services without their consent and illegally, thereby 
creating a "platform" that led the Accutech Group to 
charge tens of thousands of people for illegal content 
services. 

District 
(Tel 
Aviv) 

Monetary 
claim and a 
motion to 
recognize it 
as a class 
action 

to  all 

its  existing  and 

It is alleged that Pelephone does not offer the "Walla 
Mobile"  routes 
joining 
customers who apply to switch to another route, in a 
manner  that  violates  the  license  provisions  that 
require  equal 
its 
customers.  The  proceedings  in  the  case  were 
merged with another case in view of the similarities 
between  the  proceedings.  In  December  2019,  a 
judgment was rendered rejecting the motion without 
an  order  of  expenses  and  an  appeal  was 
subsequently filed with the High Court. 

thus  misleading 

treatment, 

Amount of 

the claim 

NIS million 
About 100 in 
relation to the 
cellular 
companies 
and about 300 
against all the 
defendants 

The amount of 
the lawsuit is 
not specified, 
but in the 
application it 
is estimated at 
NIS million 

g. 

 October 
2016 

District 
(Lod) 

Custom
er vs. 
Pelepho
ne and 
Cellcom 

Monetary 
claim and a 
motion to 
be 
recognized 
as a class 
action 

It  is  argued  that  the  defendants  do  not  allow  their 
customers  to  take  advantage  of  the  full  package 
abroad through discriminatory conditions acording to 
which the package can be redeemed for a very short 
period  (between  one  week  and  one  month  only) 
when  at  the  end  of  that  period,  the  balance  of  the 
unused package expires and no refund is given for it. 
The parties are awaiting a Court ruling. 

The amount of 
the lawsuit is 
not specified, 
but in the 
motion it is 
estimated at 
tens of 
millions of NIS 

On  April  5,  2020  a 
judgment  was  rendered 
dismissing the motion. On June 29, 2020, an appeal 
was filed against the judgment by the petitioners for 
approval of the class action. 

h. 

 April 
2017 

Custom
er vs. 
Pelepho
ne 

District 
(Tel 
Aviv) 

i. 

 October 
2017 

j. 

 April 
2018 

Custom
er vs. 
Pelepho
ne and 
Partner 

Custom
er vs. 
Pelepho
ne 

Central 
District 

District 
(Tel 
Aviv) 

Monetary 
claim and a 
motion to 
be 
recognized 
as a class 
action 

Monetary 
claim and a 
motion to 
be 
recognized 
as a class 
action 
Monetary 
claim and a 
motion to 
be 
recognized 
as a class 
action 

It  is  alleged  that  the  defendant  unilaterally  and 
without consent changed the terms of the agreement 
between itself and the applicant, and others like it, by 
allowing  browsing  to  continue  after  exhausting  the 
browsing volume included in the package instead of 
stopping  it,  contrary  to  Pelephone’s  notice  on  the 
issue  

It is alleged that the defendants are illegally using the 
location  data  of  their  clients  and  thus  violating  the 
contract  agreements  with 
the  operating 
licenses  and  various  laws,  including  the  Privacy 
Protection Law, 5741-1981. 

them, 

About 80  

About 850 

It is alleged that Pelephone markets and sells to its 
customers  a  repair  service  with  a  commitment  for 
unreasonable periods of time, without there being an 
option  in  the  agreement  to  cancel  the  transaction 
during the commitment  period  and  /  or  transfer  the 
service to another mobile device. 

The amount of 
the claim is 
not specified 

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Date 

Sides 

Court 

k. 

 April 
2019 

Central 
District 

Customer 
vs. 
Pelephon
e, Bezeq 
Internatio
nal and 6 
other 
companie
s 

Type of 
procedure 

Monetary 
claim  and  a 
motion to be 
recognized 
as  a  class 
action 

Details 

It is claimed that the respondents do not inform their 
customers as required about the possible dangers of 
using the Internet and about the possibility of joining 
a  free  content  filtering  service,  contrary  to  the 
provisions of the Communications Law. In addition, 
the  respondents  provide  a  website  and  offensive 
content  filtering  service  that  they  claim  is  not 
effective  enough.  According  to  the  petitioners,  the 
aforesaid  constitutes,  inter  alia,  a  violation  of  the 
provisions  of  the  Consumer  Protection  Law,  a 
violation of debts under the Torts Order, a breach of 
contract and unjust enrichment. 

Amount of 

the claim 

NIS million 
The amount 
of the lawsuit 
is not 
specified, but 
in the motion 
it is estimated 
at tens of 
millions of 
NIS  

l. 

 Novembe
r 2019 

m. 

 January 
2020 

Customer 
vs. 
Pelephone 
Cellcom 
and 
Partner 

Customer 
vs. 
Pelephone 

District 
(Tel Aviv) 

District 
(Tel Aviv) 

Monetary 
claim  and  a 
motion to be 
recognized 
as  a  class 
action 

Monetary 
claim  and  a 
motion to be 
recognized 
as  a  class 
action 

It  is  alleged  that  Pelephone  charged  its  customers 
money  in  the  past  for  third  parties  in  respect  of 
content  services  through  the  means  of  payment 
provided to Pelephone to pay for the cellular bill, in 
violation of the provisions of Pelephone’s license and 
the provisions of the law. 

It  is  alleged  that  Pelephone  forces  every  customer 
who purchases from it, through the website or in the 
application  on  the  mobile  phone,  a  communication 
package  abroad  -  which  includes  calls  and  /  or 
Internet  browsing,  to  give  its  consent  to  receive 
advertising messages from it. 

About 400 
(against each 
of the 
defendants) 

The amount 
of the claim 
is not 
specified  

3.16.2. Legal proceedings concluded during the reported period  

  Date of 

Sides 

Court 

filing 
the 
claim 
 Februar
y 2014 

a. 

Custome
r against 
Pelepho
ne 

District 
(Tel 
Aviv) 

b. 

 March 
2018 

c. 

 Decem
ber 
2016 

Custome
r against 
Pelepho
ne, 
Golan 
Telecom, 
Cellcom 
and 
Hamilton  
Custome
r against 
Pelepho
ne 

Central 
District 

District 
(Tel 
Aviv) 

The original 
amount of the 
claim 
(NIS millions) 
The amount of 
the claim is not 
specified 

About 65 (The 
amount is 
against all the 
respondents and 
not just 
Pelephone, 
without division 
among the 
respondents) 
About 70 

Type of 
procedure 

Monetary 
claim 
together 
with a 
motion to 
recognize it 
as a class 
action 

Monetary 
claim 
together 
with a 
motion to 
recognize it 
as a class 
action 

Monetary 
claim 
together 
with a 
motion to 
recognize it 
as a class 
action 

Details 

It is alleged that Pelephone acted in a manner that 
amounts  to  harassment  of  the  general  public  by 
making  repeated 
inquiries  aimed  at 
telephone 
recruiting  customers.  The  causes  of  action  are 
breach  of  statutory  duty,  negligence,  invasion  of 
privacy and lack of good faith in negotiations. In May 
2019, a ruling was given rejecting the motion. In July 
2019,  an  appeal  against  the  ruling  was  filed  in  the 
High Court by the petitioner for approval of the class 
action.  
On June 24, 2020, a judgment was rendered by the 
the 
High  Court  according 
recommendation  of  the  High  Court,  the  appellant 
withdrew  from  the  appeal  and  the  appeal  was 
dismissed. 

to  which,  on 

It was alleged that the defendants marketed and / or 
provided a mobile radio telephone service for cellular 
devices  made  by  Xiaomi,  from  which  it  was  not 
possible to call the emergency numbers in Israel.  

On  July  26,  2020,  a  judgment  was  rendered 
approving a request for consented withdraw from the 
motion for approval of the class action and to dismiss 
the applicants' personal claim. 

It was alleged that due to a fire that broke out in one 
of the switching systems operated by Pelephone, the 
public  was  harmed  on  the  grounds  of  breach  of 
statutory  duty,  deception  under 
the  Consumer 
Protection  Law,  negligence  and  unjust  enrichment 
and breach of good faith duties.  

On October 30, 2020, a ruling was issued confirming 
a  settlement  between 
in  which 
Pelephone will offer a benefit in the form of 50,000 
discount  vouchers  for  the  purchase  of  accessories 
for  mobile  phone  use,  for  a  total  of  NIS  30  each, 

the  parties, 

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  Date of 

Sides 

Court 

filing 
the 
claim 

Type of 
procedure 

Details 

The original 
amount of the 
claim 
(NIS millions) 

including VAT, with a cumulative value of up to NIS 
1.5  million,  and  will  also  pay  compensation  to  the 
representing  plaintiffs  and  the  plaintiffs’  attorneys’ 
fees in a total of approximately NIS 350. 

d. 

 Novem
ber 
2018 

Custome
r against 
Pelepho
ne 

District 
(Tel 
Aviv) 

Monetary 
claim 
together 
with a 
motion to 
recognize it 
as a class 
action 

Approx. 200 

It is alleged that due to the disruptions that occurred 
in  the  Pelephone  network,  the  defendant  owes 
compensation  to  its  customers  due  to  breach  of 
contract  with  its  customers,  as  well  as  the  license 
provisions  and  various 
the 
Communications  Law.  On  February  3,  2021,  a 
judgment  was  rendered  confirming  a  settlement 
between it and the applicants in the two proceedings, 
relevant 
which 
customers with benefits with a total value of NIS 1.4 
million. 

includes  compensation 

including 

laws, 

the 

to 

3.17. Goals and business strategy 

Pelephone's strategic goals are continued growth in its customer base while promoting a variety of 
packages  and  solutions  to  customers  and  promoting  synergies  with  the  Group's  companies, 
continuing  to  develop  innovation  and  network  technologies  and  providing  excellent  service. 
Continued streamlining and improvement in the cost structure. 

3.18. Expected development in the coming year 

In 2021, a number of factors are expected to affect Pelephone's activity, the main ones being: 

3.18.1. Continuing competition and increasing the value to the customer  

Pelephone expects that in 2021 the transition of subscribers between the companies will 
continue,  and  that  the  competition  will  focus  on  increasing  the  value  and  volume  of 
browsing to the customer in the packages offered to him. 

3.18.2. Cellular network innovation and products 

In 2021, Pelephone is expected to continue to promote a number of services and products 
that will enable increased revenue and image advantage over competitors: cyber and IoT 
services  and  continued  focus  on  large  device  launches,  at  the  same  time  as  the 
implementation of the deployment plan of the 5G network. 

3.18.3. Increasing service consumption by Pelephone subscribers  

Pelephone expects that as a result of an increase in the volume of browsing included in the 
packages, the trend of increasing the consumption of data communication volume on the 
network will continue. 

3.18.4. Digital transformation 

In 2021, Pelephone is expected to continue to develop and expand its digital service and 
sales channels. 

3.18.5. Synergies with the subsidiaries in the Group 

In  2020,  Pelephone  continued  to  implement  synergy  processes  with  the  Group's 
subsidiaries.  For  details,  see  section  1.8.  These  processes  are  expected  to  continue  in 
2021 and reduce Pelephone’s costs. 

3.18.6. 5G network 

In 2021, Pelephone is expected to continue the deployment of the 5G network, and promote 
the marketing and sale of services based on this technology. 

Pelephone's  assessments  regarding  developments  in  the  coming  year  presented  in  this 
section  above  are  forward-looking  information  within  its  meaning  in  the  Securities  Law. 
These  assessments  are  based,  among  other  things,  on  the  state  of  competition  in  the 
cellular field, the existing regulatory situation and the manner in which the new regulatory 
changes  are  implemented.  These  assessments  may  not  materialize,  or  materialize  in  a 
materially  different  way  than  described  above,  depending,  inter  alia,  on  the  structure  of 

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competition  in  the  market,  changes  in  the  consumption  habits  of  cellular  customers, 
technological developments and regulation begun in the field. 

3.19. Discussion of risk factors 

The  following  are  risk  factors  arising  from  the  macroeconomic  environment,  the  unique 
characteristics of the industry in which Pelephone operates, and risk factors unique to Pelephone. 

3.19.1. Macroeconomic risk factors  

3.19.1.1  Exposure to changes in exchange rates - Pelephone is exposed to risks 
due  to  changes  in  exchange  rates  as  most  purchases  of  end  equipment, 
accessories,  spare  parts  and  infrastructure  are  made  in  US  dollars,  while 
Pelephone's income is in shekels. Erosion of the shekel against the dollar could 
hurt Pelephone's profitability if it is not possible to adjust selling prices in the short 
term.  

3.19.1.2  Pandemic - at the beginning of 2020, an outbreak of the COVID-19 virus 
began  worldwide,  which  is  an  incident  with  many  consequences,  including 
macroeconomic.  Following  the  pandemic,  many  countries,  including  Israel,  are 
taking significant steps in an attempt to prevent the spread of the virus, such as 
restrictions  on  civilian  movement  and  gatherings,  employment  restrictions, 
transportation  restrictions  on  passengers  and  goods,  closing  borders  between 
countries and so  on. As  a  result, the event and the  actions taken  as aforesaid 
have  significant  implications  for  many  economies  as  well  as  for  the  capital 
markets in the world. During 2020, as a result of the COVID-19 crisis, there was 
a  significant  damage  to  revenue  from  migration  services.  Along  with  this 
decrease,  Pelephone  took  extensive  measures  to  reduce  expenses,  which 
partially offset the decrease in these revenues. As of the date of approval of these 
financial  statements,  Pelephone's  working  assumption  regarding  the  continued 
spread of the COVID-19 pandemic is that measures to limit the spread of the virus 
will  continue  at  varying  intensities  during  2021  along  with  a  long  and  gradual 
recovery in aviation and international tourism. In accordance with and subject to 
the above assumptions, Pelephone anticipates that the impact of the COVID-19 
pandemic on its operations will be primarily reflected in declining revenues from 
roaming  services,  as  a  result  of  the  effects  of  the  pandemic  on  aviation  and 
international tourism, with no significant adverse effects in other areas of activity. 
At the same time, this is a variable incident that is not controlled by Pelephone, 
and  therefore  the  continuation  of  the  crisis  or  its  exacerbation  beyond 
Pelephone's assumptions as detailed above, as they occur, may have a material 
adverse effect on Pelephone's results. These effects may be reflected, inter alia, 
in  the  injury,  in  addition  to  the  assessments  as  stated  above,  in  income  from 
roaming services. The prolongation or exacerbation of the crisis may also affect 
revenues from the sale of end equipment, employee availability, customer service 
and  technician  activity  systems,  supply  chain  and  amounts  and  dates  of  the 
collection from customers.  

3.19.2. Industry risk factors  

3.19.2.1  Infrastructure investments and technological changes - the cellular market 
in Israel and around the world is characterized by significant capital investments 
in the deployment of infrastructure. Frequent technological changes in the field of 
infrastructure  and  end  equipment,  as  well  as  the  difficult  struggle  over  various 
market segments, impose high costs on the companies operating in the market, 
which are forced to update their infrastructure technologies from time to time. 

3.19.2.2  Competition - the cellular market in Israel is characterized by saturation in 
the penetration rate, fierce competition and a high number of operators, and is 
also exposed to effects as a result of technological and regulatory developments. 
The costs of setting up, maintaining and operating the cellular network in relation 
to the number of subscribers are expected to be higher in Pelephone in light of 
the fact that it does not operate in the network sharing model. The end equipment 
market is also characterized by fierce competition between cellular operators and 
in front of stores that sell end equipment in parallel imports. 

3.19.2.3  Customer  credit  -  sales  of  end  equipment  are  mostly  made  by  granting 
credit. The vast majority of this credit that is not covered by collateral is at risk. It 
should  be  noted,  however,  that  the  credit  is  spread  among  a  large  number  of 

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customers and Pelephone has efficient and experienced collection mechanisms. 

3.19.2.4  Regulatory developments - in the field of Pelephone's activities, there is a 
trend of legislation and standards in connection with issues such as increasing 
competition, setting rates, the environment, product warranty and ways of repair 
thereof, regulating interconnectivity rates and more. The regulatory intervention 
in the field of activity may materially affect the structure of competition and the 
operating costs of Pelephone. 

(determined 

3.19.2.5  Electromagnetic radiation - Pelephone operates hundreds of transmission 
facilities  and  sells  end  equipment  that  emits  electromagnetic  radiation  (see 
section 3.13). Pelephone works to ensure that the levels of radiation emitted from 
the  transmission  facilities  and  end  equipment  sold  by  it  do  not  exceed  the 
permissible  radiation  levels  according  to  the  guidelines  of  the  Ministry  of 
Environmental  Protection 
international 
standards).  Although  Pelephone  operates  in  accordance  with  the  guidelines  of 
the Ministry of Environmental Protection, if it turns out that there are health risks 
or if there are deviations from the radiation facilities at the transmission sites or 
end equipment, which has a health risk, this may have an adverse effect due to 
reduced  use  of  Pelephone  services,  difficulty  in  renting  sites,  claims  for 
compensation  for  bodily  and  property  damages  to  a  considerable  extent  and 
attempts  to  implement  indemnity  deeds  deposited  by  planning  institutions  in 
connection with Article 197 of the Planning and Construction Law. Pelephone's 
third party insurance policies do not currently cover insurance for electromagnetic 
radiation. 

in  accordance  with 

3.19.2.6  Website  licensing  -  construction  and  operation  of  cellular  antennas, 
requires building permits from the various planning and construction committees, 
a procedure that requires, among other things, obtaining a number of approvals 
from  government  bodies  and  series  bodies.  For  a  list  of  the  difficulties 
licensing  websites,  see 
encountered  by  Pelephone 
sectionError!  Reference  source  not  found..  These  difficulties  can  impair  the 
quality  of  the  existing  network  and  even  more  so  the  deployment  of  a  new 
network. 

in  setting  up  and 

3.19.2.7  Serious  faults  in  the  information  systems  and  engineering  systems  - 
Pelephone provides its services through various infrastructure systems, including, 
among  others,  switches,  data  transmission  and  access  transmission  networks, 
cables,  computer  systems,  physical  infrastructure  and  more  (“the  systems"). 
Pelephone  businesses  have  a  high  dependence  on  these  systems.  Some 
Pelephone systems have backup, but at the same time, in the event of damage 
to  some  or  all  of  the  above  systems,  either  due  to  a  large-scale  technical 
malfunction, due to a natural disaster (such as an earthquake, fire, etc.), or due 
to damage to physical infrastructure and due to malicious damage (such as the 
introduction  of  viruses  and  cyber  attacks  as  detailed  below),  there  may  be 
significant difficulties in providing services, including in the event that Pelephone 
is unable to return the systems to service quickly. 

3.19.2.8  Information  security,  customer  data  protection  and  cyber  risks  -  as  a 
leading  cellular  company  that  provides  service  to  hundreds  of  thousands  of 
customers, Pelephone is a target for cyber attacks, which aim to harm the use of 
information  systems  or  the  information  itself.  This  type  of  assault  activity  or 
intrusion event may cause business disruption, information / money theft, damage 
to reputation, damage to systems and information leakage. 

Pelephone  is  experiencing  cyber  attacks  handled  by  it.  Pelephone  operates 
information security systems to protect against the intrusion of an unauthorized 
person  into  the  network  and  /  or  critical  systems.  Pelephone  monitors  the 
implementation of its protection policy, which includes an examination of its level 
of  effectiveness  and  readiness.  In  this  context,  Pelephone  performs  tests  and 
assault  drills  for  various  scenarios  (including  through  external  companies  that 
specialize in the field). 

Despite Pelephone's investments in measures to reduce such risks, it is unable 
to  guarantee  that  these  measures  will  succeed  in  preventing  damage  and  /  or 
disruption to the systems and information related to them. 

3.19.2.9  State  of  emergency  -  in  times  of  emergency,  certain  provisions  of  the 

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legislation  and  provisions  of  the  mobile  radio  telephone  license  allow  persons 
authorized under the law to take steps required to ensure state security and / or 
public safety, including: charging Pelephone (as a mobile radio telephone license 
holder)  to  give  service  to  the  security  forces,  comandeering  of  engineering 
equipment and facilities of Pelephone, and even taking control of the system. 

3.19.2.10 Lack of frequencies  - for  details on the  lack of frequencies, see section 
3.8.2.1.  In  many  cases,  frequency  allocation  is  carried  out  through  tender 
procedures,  in  a  manner  that  may  increase  the  costs  of  purchasing  the 
frequencies and place the cellular companies that do not receive the allocation as 
part of the tender at risk of competitive inferiority.  

3.19.3. Risk factors of Pelephone 

3.19.3.1  Property risks and liabilities  - Pelephone is exposed to various property 
risks  and  liabilities.  Pelephone  is  assisted  by  an  external  insurance  consultant 
who is an expert in the field. Pelephone has insurance policies that cover the risks 
that are acceptable to them, Pelephone is subject to the limitations of the terms 
of  the  policies,  such  as:  various  property  insurance,  various  liability  insurance, 
loss  of  profits,  third-party  liability  insurance  and  officers'  insurance.  However, 
Pelephone's  insurance  policies  do  not  cover  certain  types  of  risks,  including 
certain  malfunctions  caused  by  negligence  or  human  error,  radiation  risks, 
terrorism and more. 

3.19.3.2  Serious  faults  in  the  cellular  network  -  Pelephone's  cellular  network  is 
spread throughout Israel through the network's core sites, antenna sites and other 
systems. Pelephone’s sytems are completely dependent on these systems, which 
are  sometimes,  temporarily,  in  a  state  of  partial  survival.  Malicious  damage  or 
malfunction on a large scale can adversely affect Pelephone’s business and its 
results. 

3.19.3.3  Damage caused by force majeure, war, disaster - damage to the switching 
farms  and  /  or  servers  on  which  Pelephone  concentrates  its  core  activity,  may 
adversely affect Pelephone's business and its results. 

3.19.3.4  Epidemic  malfunctions  in  devices  -  various  exposures  resulting  from 
Pelephone's liability as an importer due to manufacturer malfunctions in devices 
that will not be supported by the manufacturers. 

3.19.3.5  Legal proceedings - Pelephone is a party to legal proceedings, including 
class actions, which may result in a charge of substantial amounts, which cannot 
be estimated, and no provision has been made for some of them in Pelephone’s 
financial statements. These class actions can reach large sums, as a substantial 
portion of the state's residents are consumers of Pelephone, and a claim relating 
to  a  small  damage  to  a  single  consumer  may  become  a  material  claim  to 
Pelephone  if  it  is  recognized  as  a  class  action  applicable  to  all  or  a  significant 
portion of consumers. 

3.19.3.6  Significant  suppliers  and  customers  -  for  agreements  with  significant 
suppliers  and  customers,  see  sections  3.10  and  3.15.  Some  of  Pelephone's 
agreements, including with its key customers, are timed. There is no certainty that 
these agreements will be renewed at the end of their term or that options granted 
to  customers  to  extend  them  will  be  exercised.  In  addition,  Pelephone  may  be 
dependent on certain suppliers as specified in the section3.10.2. 

3.19.3.7  Labor relations - Pelephone has a collective agreement with the Histadrut 
and the Employees’ committee, which effects most of its workers. The collective 
agreement may reduce administrative flexibility and impose additional costs on 
Pelephone  (see  section  3.9.4).  In  addition,  the  implementation  of  personnel-
related  plans  may  cause  unrest  in  labor  relations  and  harm  to  Pelephone's 
ongoing operations. 

3.19.3.8  Streamlining  procedures  -  as  described  in  section  1.8.  Pelephone 
implements streamlining plans that involve, among other things, the management 
of management resources and organizational changes and the reduction of the 
workforce, in parallel with the management of significant infrastructure and other 
projects. Streamlining procedures, by nature, carry with them the risks of loss of 
knowledge, turnover of employees, shift of managerial focus, etc. 

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3.19.3.9  Impairment  of  Pelephone  properties-  in  accordance  with  accounting 
standards,  Pelephone  conducts  a  periodic  examination  of  the  impairment  of 
assets  in  respect  of  which  indications  of  impairment  have  been  identified.  For 
details  on  the  risk  factor  relating  to  the  recognition  of  impairment  losses,  see 
section2.20.12.  

3.19.3.10 Frequency ranges - the 700, range 850, range 1800, range 2100, range 
2600 and 3500 MHz ranges. The frequencies are exposed to interruptions that 
may affect the quality of service of the networks operated by Pelephone. Among 
the other reasons that may cause interruptions, it should be noted that the 850 
range is also used for terrestrial television broadcasts, so that television stations 
broadcasting  in  the  Middle  East  in  the  same  range  of  frequencies  cause 
interference on Pelephon’s UMTS / HSPAAt 850 MHz network. In addition, the 
Jordanian  networks  also  use  the  same  frequency  range  of  2100  MHz  that 
Pelephone uses and in light of the limited cooperation between the operators in 
Jordan  and  Pelephone,  this  may  have  an  effect.  In  addition,  Pelephone  must 
avoid interfering with satellite broadcasts made at several points in Israel at 3500 
frequencies, which limits the operation of 5G services around these points. 

For details on the implications of switching frequencies in the first giga field, see 
section 3.8.2.3. 

3.19.3.11 Maintaining a sufficient cash flow - Pelephone must maintain a sufficient 
cash flow in order to meet its long-term business plan. The lack of sufficient cash 
flow may adversely affect Pelephone's business and its ability to make large-scale 
online investments, and may make it difficult for it to cope with competitive threats 
in the field. 

Below  is  a  ranking  of  the  impact  of  the  risk  factors  described  above  on 
Pelephone's  activities  as  estimated  by  Pelephone's  Management.  It  should  be 
noted that Pelephone's assessments below regarding the degree of influence of 
the risk factor reflect the degree of influence of the risk factor in assuming the 
materialization  of  the  risk  factor,  and  the  aforesaid  does  not  express  an 
assessment or give weight to such chances of materialization. The order in which 
the  risk  factors  appear  above  and  below  is  not  necessarily  according  to  the 
degree of risk. 

Risk factors summary table - cellular telephony  

The extent of the impact of 
the risk factor on 
Pelephone's operations as 
a whole 
Medium 
effect 

High 
effect 

Small 
effect 

Macro risks 
Exposure to changes in exchange rates  
Pandemic 

technological 

investments  and 

Industry risks 
Infrastructure 
changes 
Competition 
Customer credit 
Regulatory developments  
Electromagnetic radiation 
Website licensing 
Serious  malfunctions  in  information  systems  and 
engineering systems 
Information security, customer data protection and 
cyber risks 
Economic emergency 
Lack of frequencies 

Risk factors of Pelephone 
Property risks and liabilities 
Serious malfunctions in the cellular network 
Damage due to force majeure, war, disaster 
Epidemic malfunctions in devices 
Legal proceedings 

120

X 

X 
X 

X 

X 

X 
X 

X 
X 

X 

X 

X 

X 

X 

X 

X 

X 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

X 
X 
X 

Substantial suppliers and customers 
Labor relations  
Streamlining procedures 
Impairment of Pelephone's assets  
Frequency ranges  
Maintaining sufficient cash flow 
The information contained in section 3.19 and Pelephone's assessments regarding the 
effect of the risk factors on Pelephone's activities and business, are forward-looking 
information as defined in the Securities Law. The  information and assessments are 
based  on  data  published  by  the  Ministry  of  Communications,  Pelephone's 
assessments  of  the  market  situation  and  the  structure  of  competition  in  it  and 
regarding  possible  developments  in  the  Israeli  market  and  economy.  The  actual 
results may differ materially from the estimates given above if there is a change in one 
of the factors taken into account in these estimates.  

X 

X 

X 

4.  Bezeq  International  -  Internet,  international  communications  and  network 

endpoint services 

4.1.  General 

4.1.1.  The structure of the field of activity and changes that apply to it 

Bezeq International operates in a  number of key areas: the provision of Internet access 
services  (ISP);  International  telephony  services;  Interior  telephony  services;  network 
endpoint  services;  as  well  as  providing  ICT  solutions  (information  and  communication 
systems), DATA (data communication) and PBX services (switchboards). 

Bezeq  International's  international  telephone  services,  similar  to  the  services  of  other 
international operators, are provided based on Bezeq and Hot's interior networks, as well 
as on the cellular networks, for the purpose of connecting the subscriber to the international 
hub. 

Regarding  regulatory  changes  in  the  Internet  services  market,  which  are  expected  to 
materially affect Bezeq International's activity in this market, see section 4.11.5.4. 

4.1.2.  Legislative and regulatory restrictions that apply to Bezeq International 

Most of Bezeq International's areas of activity are regulated mainly by the Communications 
Law and regulations thereunder, and the terms of the license granted to Bezeq International 
(see section 4.11).  

Regarding  major  developments  in  the  regulation  applicable  to  Bezeq  International,  see 
section 4.11.5. 

4.1.3.  Changes in the scope of activity in the field and its profitability 

For data on changes in the scope of Bezeq International's operations and its profitability, 
see sections1.5.4.3 and-4.3. 

4.1.4.  Developments in the market and in customer characteristics 

The international call market in Israel has been characterized in recent years by a decrease 
in the number of call minutes (inbound and outbound), mainly due to the service packages 
offered by the cellular companies, which include international call minutes and a multiplicity 
of free applications that allow calls over the Internet. The erosion trend in the international 
call market continued.  

In the Internet  access market, there was an increase in demand  for Internet services in 
2020. This is probably due to the consequences of the COVID-19 virus crisis, which led to 
an increase in the volume of distance learning and work. 

4.1.5.  The main barriers to entry and exit 

4.1.5.1  The main barriers to entry into the international call market are the need 
to  obtain  a  license  under  the  Communications  Law  and  make  investments  in 
infrastructure (the volume of investments required in infrastructure is lower than 
the 
in  NIO  or  cellular  infrastructure),  affected  by  frequent 
technological changes. In IPV technology in this area, the impact of these barriers 
is significantly reduced. 

investments 

4.1.5.2  The main barrier to entry into the DATA and Internet services market is 
the  need  for  infrastructure  investments  (international  capacity,  Internet  access) 

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and a wide range of services. 

4.1.5.3  The  main  barriers  to  exit  from  these  markets  stem  from  long-term  and 
binding  agreements  with  infrastructure  providers  and  from  investments  that 
require  a  long  time  to  return.  In  addition,  Bezeq  International  is  committed  to 
providing service to its customers during the contract period with them. 

4.1.6.  Substitutes for Bezeq International products and the  structure of competition  in  the 

international call market and changes that apply to it 

In the international call market - the use of VoIP technology, the transfer of international 
calls over the Internet to other users of this technology, as well as to the users of the TDM 
networks, through the use of software products (such as Skype, WhatsApp or Zoom) and 
in the services of telecommunications providers abroad, as well as the attractive rates of 
use of these services (including the absence of usage fees) lead to a continuous increase 
in the number of users, and as a result - to harm to Bezeq International's revenues. At the 
same time, there are currently more than ten international operators, licensed to provide 
international Bezeq services by the Ministry of Communications. 

4.1.7.  The structure of competition in the Internet market and the changes that apply to it  

In the field of Internet access services (ISP), diverse licenses have been provided so far to 
provide access services to 80 companies, who may also provide, inter alia, International 
operator services.  

For more details regarding competition in the field of activity, see section 4.6.  

4.2.  Products and services 

The following is a list of Bezeq International's main products and services:  

4.2.1.  Internet services 

In the field of Internet services, Bezeq International provides:  Internet access services 
(ISP) for private and business customers, including the provision of required end equipment 
and support for it based on DSL infrastructure, transmissions or cables, and a service that 
includes  Bezeq's  Internet  access  infrastructure  (within  the  wholesale  market);  Hosting 
services - web hosting services and servers in a dedicated facility, including value-added 
services  (such  as  monitoring  and  control);  Information  security  services,  Internet 
connection and LAN network security services, using required end equipment or software, 
including  monitoring;  Data  services 
international  data 
that 
communications solutions for business customers, globally deployed;  and Wi-Fi access 
services,  including  in  public  complexes  (Hotspot);  Bezeq  International  also  markets 
packages  that  include  the  Sting  TV  brand  of  the  DBS  company  -  a  television  services 
platform based on the Internet (along with Internet access services), and in addition, DBS 
markets the Internet access services of Bezeq International. The packages are subject to 
the “detachability” obligation (see section 1.7.2.2).  

IP-based 

include 

Bezeq International provides the above-mentioned Internet services mainly through a fully 
and  exclusively  owned  underwater  cable  between  Israel  and  Italy  (JONAH)  launched  in 
December 2011. Among the ISP providers operating in Israel, Bezeq International is the 
only  one  that  owns  an  underwater  cable.  The  ownership  of  the  underwater  cable  frees 
Bezeq International from its dependence on infrastructure providers, and also enables it to 
offer its customers better quality browsing performance. 

4.2.2.  VOICE services (telephony)  

In  the  field  of  VOICE  services,  Bezeq  International  provides:  Direct  international  dial-up 
services  (IDD)  to  business  and  private  customers;  Free  international  dial-up  service  for 
business  customers;  international  calls  routing  and  termination  services  (Hubbing)  - 
Transferring  international  calls  between  foreign  communication  providers  (world-world); 
Calling card service, which allows dialing from Israel to abroad and from abroad to Israel, 
on prepaid and postpaid routes, and the 1809 service, which allows dialing from Israel to 
abroad. In addition, Bezeq International provides interior telephony services. 

4.2.3.  International data Services 

Providing  international  data  communication  solutions  for  business  customers,  including 
global deployment, according to customer needs.  

The services are provided through Bezeq International's underwater cable and the optical 

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cables  deployed  from  Israel  to  Europe,  in  which  Bezeq  International  has  long-term  use 
rights, as well as through its business partnerships with telecommunications providers such 
as British Telecom, which provide its customers with global network services.  

In addition to the above services, Bezeq International offers holders of licenses to provide 
international  Bezeq  services  and  Internet  access  licenses,  international  capacity  (in  the 
form  of  rent,  or  purchase  of  indefeasible  use  rights),  based  on  Bezeq  International's 
underwater cable and use rights in continental Europe and other international networks.  

4.2.4.  ICT solutions for business customers 

Bezeq  International  provides  ICT  (information  and  communication  systems)  solutions  to 
business customers. The ICT solutions for the customer includes extensive communication 
services  that  include  server  and  website  hosting  services,  maintenance  and  technical 
support services, networking and system services, security & risk management solutions, 
IP-based  managed  services,  Cloud  computing  services,  online  backup  services  and 
equipment  sales.  Bezeq  International  adopts  a  broad  customer  service  model,  with  one 
contact  vis-à-vis  the  customer  and  it  takes  comprehensive  responsibility  for  the  entire 
service ("one supplier, one responsibility"). 

PBX Services (swithcboards) 

Bezeq  International  markets  and  maintains  communication  systems  that  include 
exchanges, telephony networks and IP communications, mainly for its business customers. 
As part of the service contracts, Bezeq International provides maintenance services from 
a  variety  of  PBX  manufacturers.  The  services  are  provided  to  lobbies,  exchanges  and 
network terminals (endpoints), for extensions intended to be used on both outbound and 
inbound lines. 

4.3.  Revenue 

The following are data regarding Bezeq International's revenues (in NIS million):  

Internet services  

2020 

596 

2019 

632 

2018 

659 

Rate of total Bezeq International revenues 

46.89% 

47.23% 

47.35% 

VOICE and Business Communication services 
(PBX, ICT, DATA) 

675 

707 

732 

Rate of total Bezeq International revenues 

53.11% 

52.77% 

52.65% 

Total revenue  
4.4.  Customers 

1,271 

1,339 

1,391 

Bezeq International has no dependence on a single customer, and has no customer whose revenues 
constitute 10% or more of its total revenues. 

Below  are  data  about  the  distributioin  of  revenue  from  private  and  business  customers  (NIS 
millions)56: 

Revenue from private customers 
Revenue from business customers 
Total revenue 

2020 
401 
870 
1,271 

2019 
441 
898 
1,339 

2018 
468 
923 
1,391 

Regarding  Bezeq  International  customers  and  their  characteristics,  the  diverse  consumption 
characteristics for purchasing Internet packages among the public have led to a certain percentage 
of  customers  purchasing  an  ISP  service  from  more  than  one  ISP  when  in  practice  they  use  the 
services  of  only  one  ISP.  On  September  10,  2020,  the  Ministry  of  Communications  wrote  to  the 
operators in a letter in which it raises concerns that some subscribers to Internet services or other 
services,  such  as  an  email  box,  do  not  use  them  and  are  not  even  aware  of  it.  The  Ministry 
recommends  that  operators  act  to  inform  and  stop  charging  subscribers  who  do  not  use  these 
services, and also requests periodic reports in the matter, during the next 6 months. It was also stated 
that the Ministry will consider in the future whether to establish binding provisions in the matter,  in 
case proactive actions will not lead to a significant reduction in this matter. Therefore, on November 
8, 2020 another letter was received from the Ministry of Communications, according to which at the 

56   The data are after changing the classification of small customers (SOHO) from private customers to business customers carried 

out in 2019 (and also applied to 2018 and 2017 data). 

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next  reporting  point  (set  for  December  17,  2020)  the  data  reported  to  the  Ministry  by  the  media 
operators will reflect the reduction of the phenomenon most significantly, that reference should be 
made at this time to the question of how the licensee acts to prevent recurrence of the phenomenon, 
and, as noted in his previous letter, that as long as the phenomenon is not significantly reduced, the 
Ministry  will  take  various  actions,  including  the  determination  of  binding  provisions  in  this  matter. 
Bezeq  International  is  working  to  reduce  the  phenomenon  while  addressing  its  customers  in 
accordance with what is stated in the letters. 

As  part  of  Bezeq  International's  preparations  to  operate  in  the  outline  of  notifying  and  treating 
customers who pay it by virtue of an agreement and do not use the  ISP services for an extended 
period and further to the Ministry of Communications' recommendation as stated above, an up-to-
date valuation of Bezeq International was performed. Regarding the valuation, see Note 11.6 to the 
2020  statements.  Also,  in  this  regard,  see  two  Bezeq  immediate  reports  from  Octoebr  30,  2020 
(including  regarding  a  request  for  approval  of  a  class  action  in  this  context)  as  well  as  another 
immediate  report  from  Bezeq  dated  November  8,  2020.  The  above  reports  are  included  in  this 
statement by way of reference. Regarding motions for approval of class actions in this matter that 
were filed against Bezeq International, see section 4.12. 

4.5.  Marketing, distribution and service 

Bezeq International has sales channels for the private market, which include telephone recruitment 
and  retention  centers,  nationally-deployed  direct  sales  system,  technical  support  systems  and 
customer service, as well as a system of distribution channels, which includes external centers for 
resellers  and  dealers.  The  sales  channels  for  the  business  market  include  customer  recruitment 
centers  and  service  centers  and  solutions  for  businesses  and  business  customer  managers.  In 
addition, Bezeq International's services are also sold by Bezeq, as part of the marketing of basket of 
joint services - "Reverse Bundle" (see section1.7.2.2), and Bezeq International services are sold by 
DBS, as part of the marketing of "Triple" packages (see section4.2.1). 

4.6.  Competition 

4.6.1.  ISP Services  

4.6.1.1  The market is saturated with competitors, the main ones being Cellcom, 

Partner, and Hot Net.  

Bezeq International estimates its market share in the field of Internet services as 
of December 31, 2020 at about 34%57.  

4.6.1.2  Competition in 2020 is characterized by erosion in rates. 

4.6.1.3  Developments in 2020:  

a)  Continued 

trend  of  selling  service  baskets,  especially  against 

the 
backgroundThe activity of a wholesale sales model (supplier + infrastructure) 
in 2020. 

b)  Competitors' focus on promoting browsing services at high browsing rates. 
Some of the competitors have launched browsing packages at a particularly 
high  browsing  rate,  among  other  things  through  fiber-optic  infrastructure 
deployed thereby. 

c)  There is growing competition between Internet access providers as part of 

reverse bundle packages.  

d)  Rise in the trend of selling "Triple" packages by competitors, which include, 
in addition to the television services, a provider and Internet infrastructure in 
a non-detachable basket of services. 

e)  Regarding  the  decision  of  the  Minister  of  Communications  dated  July  20, 
2020  to  adopt  (with  changes)  the  recommendation  of  the  inter-ministerial 
team regarding the deployment of ultra-broadband landline infrastructure in 
Israel  (See  sections2.7.2,2.16.12)  -  the  deployment  of  fiber  by  Bezeq  is 
expected to improve Bezeq International's competitiveness and to enable it 
to increase revenues from its customers. 

4.6.2.  International telephony services 

57   Bezeq International's assessment of its market share in the field of Internet access services is based on an external telephone 

survey conducted for Bezeq, and is not based on significant data held by Bezeq to date. 

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4.6.2.1  As of the end of 2020, about ten companies are operating in the market 
(among  them  Bezeq  International,  Cellcom,  Partner,  Golan  Telecom  and  Hot 
Mobile).  

Bezeq International estimates that its market share in the field of outgoing calls 
from customers as of December 31, 2020 is approximately 22.3%58. 

4.6.2.2  General characteristics of the competition in 2020: 

a) 

In  2020,  the  number  of  call  minutes  made  through  international  telephony 
continued to decline, among other things, due to an increase in the use of 
various applications for making calls, as well as due to the service packages 
offered  by  cellular  companies,  which  include  international  call  minutes, 
including  an  increase  in  the  use  of  services  that  enable  online  calls  and 
meetings, while reducing the use of international telephony services. 

b)  Competition is focused on defined segments of the population who are more 

active in this field. 

c)  The product is a commodity (no brand importance). 

4.6.3.  Communication solutions for the business segment  

4.6.3.1 

In the field of ICT - Bezeq International faces competitors such as Bynet, 
Taldor,  IBM  and  more.  In  2020,  Bezeq  International  continued  to  establish  its 
position in the ICT market. 

4.6.3.2  Network endpoint services - the traditional central area is characterized by 
a large number of competitors and fierce competition, which has led to the erosion 
of service prices.  

4.6.4.  Bezeq  International  promotes  its  business  by  emphasizing  the  distinction  from  its 
competitors,  which  stems  from  having  its  own  international  infrastructure  (JONAH 
cable)  that  provides  quality  browsing  performance,  as  well  as  its  leading  customer 
service. 

4.6.5.  The  fact  that  Bezeq  International  does  not  own  interior  access  infrastructures  is  a 
competitive disadvantage compared to competitors that control such infrastructures. 

4.7.  Fixed assets and facilities 

Bezeq  International's  fixed  assets  include  switching  and  Internet  equipment,  underwater  cable, 
central equipment and routers for rent, office equipment, computers, software licensing, and leased 
improvements. Bezeq International has five server farms throughout Israel. 

Bezeq International has SoftSwitch switches from the Dialogic company. These switches are used 
to route Bezeq International's VOICE movement. Value-added services, including calling cards, are 
based  on  a  smart  (IN)  system.  Bezeq  International  is  working  to  upgrade  the  CRM  (customer 
management) system to an advanced platform in the Salesforce cloud together with Pelephone and 
DBS.  Bezeq  International  has  dependence  on  the  Salesforce  system  and  services,  due  to  their 
importance  for  managing  relationships  with  its  customers.  System  failures  or  the  cessation  of 
services by this provider are likely to cause operational difficulty until the matter is rectified or the 
system / provider are replaced which may take a long time. 

Bezeq  International's  technological  infrastructures  that  support  the  voice,  data  and  the  Internet  is 
deployed on a number of sites, in Israel and abroad, among others, to ensure, when necessary, high 
survivability for the provision of services. 

Bezeq International has long-term agreements for the rent of the two main buildings in which it is 
housed. For one of the buildings, the lease period is until March 2024, with a number of options for 
leaving for Bezeq International during the said period. The lease period in the other building is until 
December  2021  (with  three  equal  options  for  extension  until  2027).  Bezeq  International  has 
additional lease agreements in connection with warehouses (including the logistics center), server 
farms, and buildings in which call centers are used for its operations. 

4.8.  Human capital 

Below are details about the number of Bezeq employees International in years2019 and 2020: 

58   Based on publications from the Ministry of Communications regarding the number of minutes spent in the third quarter of 2020.  
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31.12.2020 

12/31/2019 

Administrative employees 
Service and sales representatives 
Total 

827 
484 
1,311 

863 
556 
1,419 

The number of employees included in the table includes employees employed part-time. Total jobs59 
Bezeq International as of December 31, 2020 was 1,228 compared to 1,329 as of December 31, 
2019.  

Organizational structure 

The  following  is  a  diagram  of  Bezeq  International's  organizational  structure  as  of  the  date  of  the 
report:  

Board of 
Directors 

CEO 

Deputy CEO 

HR 
Divison 

Intern
al 
Audit 
* 

Finance 
and 
Econom
ics 
Division 

Technologie
s 
informatio
n Division 

Global 
Busniess
es and 
Business 
Solutions 
Division 

Business 
Custome
rs 
Division 

Custo
mer 
Divisi
on** 

Marke
ting 
Divisi
on 

Public 
Relatio
ns 

Legal 
advice 
and 
regulatio
n 

Engine
ering 
Divisio
n 

(*) The internal auditor is a Pelephone employee. 

(**) The director of the Private Customer Division is the Deputy CEO. 

As  part  of  the  implementation  of  the  synergy  processes  with  the  Group's  subsidiaries,  Bezeq 
International's CEO, Mr. Ran Guron, also serves as the CEO of Pelephone and DBS. In addition, 
most of the VPs who serve on Pelephone also serve as VPs at DBS and Bezeq International. 

On July 11, 2019, Bezeq International signed a collective agreement between it and the Histadrut 
and  the  Employees’  representation,  which  includes  streamlining  and  synergy  procedures  for  the 
period up to December 31, 2021. According to Bezeq International’s plan and in accordance with the 
agreement,  Bezeq  International  will,  among  other  things,  reduce  the  employment  of  up  to  325 
employees (of whom 150 are permanent, some as part of a voluntary retirement), in addition to the 
option  of  not  recruiting  employees  instead  of  employees  terminating  their  employment.  The 
agreement also includes providing a one-time bonus to employees who will not be included in the 
retirement  plan.  The  estimated  cost  of  the  agreement  is  about  NIS  60  million,  assuming  the  full 
realization of Bezeq International's rights to such stramlining and the existence of conditions for the 
provision of additional economic benefits to employees. 

Regarding  streamlining  processes  and  internal  organizational  changes  at  Bezeq  International, 
Pelephone and DBS, see section 1.8.  

On November 28, 2019, Bezeq International received a notice from the chairman of the Histadrut 
and the Bezeq International Employees’ Committee that included a demand for collective bargaining 

59   Total monthly working hours divided by the monthly working hours quota.  

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with the workers' representatives against the backdrop of the transaction to acquire control of Bezeq.  

On October 11, 2020, Bezeq International was notified by the New Histadrut - the Internet and High-
Tech  Cellular  Workers'  Union,  of  a  declaration  of  a  labor  dispute  in  accordance  with  the  Labor 
Disputes Settlement Law, 5717-1957 and a strike from October 26, 2020 onwards (“the Notice"). 
According to the Notice, the issues in the dispute are: Unilateral intention to make changes in the 
communications market and allow Bezeq to enter the field of ISP services and serve as an Internet 
provider, in a manner that could harm Bezeq International to the point of real closure and layoffs, 
changes in working conditions, rights, status, job security and organizational strength. The demands 
of the employees’ representatives are to refrain from unilateral steps and to present them to finished 
facts  regarding  those  changes,  as  well  as  a  demand  for  consultations  and  negotiations  for  the 
purpose of signing a special collective agreement regarding employees’ rights in light of said changes 
and their consequences, including a series of safety nets.. 

On December 28, 2020,  Bezeq International was notified by the New  Histadrut - the Internet and 
High-Tech Cellular Workers' Union, of a declaration of a labor dispute in accordance with the Labor 
Disputes Resolution Law, 5717-1957 and a strike from January 10, 2021 onwards ("The Notice"). 
According to the Notice, the issues in the dispute are: Bezeq International intends to close the dining 
room  used  by  Bezeq  International  employees,  for  the  purpose  of  using  the  area  for  the  business 
activities of Bezeq International. 

4.9.  Suppliers 

4.9.1.  Foreign operators 

Bezeq International has collaborations with about 200 foreign operators, as part of which 
Bezeq  International  forwards  and  receives  international  telephone  calls  from  these 
operators  (including  calls  leaving  Israel,  entering  Israel,  and  calls  between  various 
destinations outside Israel) to about 240 destinations worldwide.  

4.9.2.  Capacity providers 

Most of the interior capacity used by it for the purpose of providing its services is purchased 
by Bezeq International from Bezeq. 

Most of the international capacity that Bezeq International uses is transmitted through the 
underwater cable it owns. As a backup, Bezeq International uses the capacity purchased 
from Med Nautilus and Cyprus Telecommunications Authority (CYTA). 

As part of its contract with Med Nautilus, Bezeq International acquired the indefeasible right 
of  use,  in  an  indefinite  and  non-specific  attribution,  in  the  communication  capacity 
transmitted through the underwater cable system operated by Med Nautilus between Israel 
and Europe. The use periods were extended until July 2030. For the said use rights, Bezeq 
International paid one-time payments, close to the date of commencement of the use of 
the capacity. 

As part of her engagement with CYTA, Bezeq International has acquired the indefeasible 
right  of  use,  in  an  indefinite  and  non-specific  attribution,  in  the  communication  capacity 
transmitted through the submarine cable system operated by CYTA between Cyprus and 
Europe. The period of use is at least until May 2022, with the possibility of extending the 
period. 

4.10. Taxation 

See Note 7 to the 2020 statements. 

4.11. Restrictions and supervision of Bezeq International's activities 

4.11.1. Restrictions by virtue of laws 

According to the Communications Law, performing Bezeq operations and providing Bezeq 
services,  including  international  Bezeq  services  and  Internet  access  services,  require  a 
license from the Minister of Communications. The Minister is authorized to change license 
terms,  add  to  them  or  derogate  from  them,  while  considering,  among  other  things, 
government policy in the field of Bezeq, considerations in the public interest, adjusting the 
licensee to provide services, the license contribution to competition in  the field of Bezeq 
and its level of service. 

The  law  authorizes  the  Director  General  of  the  Ministry  of  Communications  to  impose 
financial sanctions due to various violations of the provisions of the law and of orders and 
provisions issued under it, as well as due to violation of conditions in the license. 

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4.11.2. Licenses 

Bezeq International has a unified general license for the provision of Bezeq services (the 
"Unified License"), which is valid until May 2, 2025. 

The following are the main instructions from the unified license: 

a) 

In certain circumstances, the Minister may change the terms of the license, 
add to them or detract from them, and in some cases even revoke it. 

b)  The license is not transferable and includes restrictions on the purchase or 
transfer (including by way of lien) directly or indirectly of control of 10% or 
more  of  any  means  of  control  in  Bezeq  International,  including  the  lien  of 
such means of control, unless prior consent of the Minister.  

c)  Bezeq International must provide an interconnectivity service on equal terms 
to  any  other  operator  and  must  avoid  any  discrimination  in  performing 
interconnectivity.  

d)  Bezeq 

International  must 

the  provision  of 
infrastructure services to a licensee who is an affiliated company (as defined 
in the license) over another licensee.  

from  preferring 

refrain 

e)  Bezeq  International  may  not  sell,  rent,  or  mortgage  property  from  the 
properties used to carry out the license without the consent of the Minister of 
Communications, except for certain exceptions set forth in the license. 

f) 

In times of emergency, a person authorized to do so by law has the authority 
to  give  Bezeq  International  various  instructions  regarding  the  manner  in 
which it operates and / or the manner in which the services are provided. 

g)  The  license  specifies  the  types  of  payments  that  Bezeq  International  may 
charge its subscribers for Bezeq services, and the reports it must provide to 
the Ministry of Communications. The license also stipulates the authority of 
the Minister to intervene in rates, in some cases. 

h)  The license requires Bezeq International to have a minimum level of service. 

In  accordance  with  the  requirement  of  the  Ministry  of  Communications, 
Bezeq  International  provides  a  bank  guarantee,  in  the  amount  of  NIS  2 
million, to fulfill the conditions of the unified license. 

4.11.3. On  July  9,  2014,  the  Minister  of  Communications  granted  Bezeq  International  the 
powers related to real estate, which are listed in Chapter F of the Communications 
Law, including entering the land for the purpose of laying a network and maintaining 
it (see section 2.16.5).  

4.11.4. Payments for interconnectivity 

In the matter of interconnectivity fees paid to the NIO and the cellular operator, see section 
1.7.4.1.  

4.11.5. Major regulatory developments 

4.11.5.1  For possible changes in the communications market that also affect Bezeq 
International following the Competition Expansion Policy document, see section 
2.16.4.1. 

4.11.5.2  For decisions made in connection with the "wholesale market" which also 

have implications for the field of activity, see section 2.16.4.  

4.11.5.3  Regarding the decision of the Ministry of Communications regarding the 

elimination of the need to split the "reverse bundle", see section 1.7.2.2. 

4.11.5.4  Also,  regarding  the  publication  of  a  hearing  to  examine  the  separation 
between a broadband infrastructure service and an Internet access service (ISP), 
see section1.7.2.2. Bezeq International is studying the details of the hearing and 
examining its possible effects on its business and its ways of operation. 

4.12. Legal proceedings60  

60   For material reporting and material thresholds, see section2.18.  

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During the day-to-day business, lawsuits were filed against Bezeq International, including  motions 
for approval of class actions.  

4.12.1. Pending and current legal proceedings  

Date 

Sides 

Court 

a. 

 January 
2015 

District 
(Central) 

Client 
against 
Bezeq 
Internatio
nal 

Type of 
procedure 

Monetary 
claim 
together with 
a motion to 
recognize it 
as a class 
action 

Details 

It is argued that the "Moreshet" content filtering service 
provided by Bezeq International to paid customers in 
the religious and traditional segments does not protect 
users  from  offensive  content,  and  that  as  a  result  of 
their  exposure  to  this  content,  they  were  harmed.  In 
addition, it was argued that Bezeq International should 
compensate  customers  who  purchased  content 
filtering services and were not offered the basic filtering 
service, which is provided at no additional charge. 
In April 2018, the Court partially approved the lawsuit 
as  a  class  action  (the  part  concerning  additional 
compensation in the amount of NIS 1,000, for each of 
the  school  students  who  use  the  website  filtering 
software was struck out).  

District 
(Central) 

Monetary 
claim 
together with 
a motion to 
recognize it 
as a class 
action 

things, 

is  alleged,  among  other 

 It 
that  Bezeq 
International  sells  its  customers  Internet  browsing 
speeds, even though the infrastructure at their place of 
residence does not allow them to reach this speed. In 
January 2021,  the  Court  upheld  the  claim  as  a  class 
action. 

Claim 
amount 
(NIS 
millions) 
About 61, 
plus NIS 
1,000 per 
group 
member 
(each 
student 
in the 
Israeli 
educatio
n 
system)  

Unspecifi
ed 

b. 

 March 
2016 

c. 

 April 
2019 

d. 

 October 
2020 

e.  Novembe
r 2020 

Client 
against 
Bezeq 
Internatio
nal and 
other 
communi
cations 
compani
es 

Client 
against 
Bezeq 
Internatio
nal and 
other 
communi
cations 
compani
es 
Client 
against 
Bezeq 
Internatio
nal 

Client 
against 
Bezeq 
Internatio
nal 

District 
(Central) 

District 
(Central) 

District 
(Central) 

Monetary 
claim 
together with 
a motion to 
recognize it 
as a class 
action 

It is alleged that Bezeq International does not inform its 
customers as required about the possible dangers of 
using the Internet and about the possibility of joining a 
free  content  filtering  service,  in  violation  of  the 
provisions  of  the  Communications  Law.  In  addition, 
Bezeq International provides a website filtering service 
and offensive  content  that  the  applicants  claim  is  not 
sufficiently effective. 

Unspecifi
ed 

Monetary 
claim 
together with 
a motion to 
recognize it 
as a class 
action 

Monetary 
claim 
together with 
a motion to 
recognize it 
as a class 
action 

things, 

is  alleged,  among  other 

It 
that  Bezeq 
International  charges  its  customers  payments  for 
services  that  it  does  not  provide  to  them,  ostensibly 
knowing  that  the  customer  has  replaced  the  Internet 
provider  and  disconnected  from  Bezeq  International. 
On  November  5,  2020,  Bezeq  International  received 
another  motion  for  approval  of  a  class  action  in  the 
same matter. 

things, 

is  alleged,  among  other 

It 
that  Bezeq 
International charges fees for the provision of 'antivirus 
service'  and  'backup  service'  without  actually  being 
provided,  when  according  to  the  claim  it  does  not 
disclose  to  customers  when  concluding  the  contract 
that  they  must  initiate  special  operations  including 
installation  of  special  software  at  the  time  of  the 
conclusion  of  the  contract  and  not  at  the  time  of  the 
actual provision of the service.  

Unspecifi
ed  

Unspecifi
ed 

Regarding two motions for disclosure and review of documents before filing derivative claims under Article 
198A of the Companies Law against Bezeq and against Bezeq International, from October 2020 regarding 
"dormant subscribers" and from November 2020 regarding asset balances in Bezeq International's books 
- see section 2.18.1. 

Legal proceedings completed during the reportedperiod or until the date of publication of the report 

Date 

Sides 

Court 

Type of 
procedure 

129

Details 

Claim 
amount 

 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

District 
(Tel 
Aviv) 

Monetary 
claim 
together with 
a motion to 
recognize it 
as a class 
action 

a. 

 June 
2015 

Client 
against 
Bezeq 
Internati
onal 

(The 
Israeli 
Consum
er 
Council 
replaced 
the 
applican
t as a 
class 
action 
plaintiff) 

(NIS 
millions) 

It was 
not 
estimate
d, but it 
was 
stated 
that it 
exceeds 
NIS 3 
million 

It is claimed that excessive collection was made 
from  Internet  service  customers.  On  July  25, 
2019, the Court approved the lawsuit as a class 
action  and ruled that the definition of the  Group 
would  be  any  customer  of  Bezeq  International 
who entered into an agreement with it for a fixed 
period  and  which  after  the  fixed  period  Bezeq 
International  charged  a  higher  price  for  the 
services provided under the agreement, this was 
done  without  receiving  prior  written  notice  in 
accordance  with  the  Consumer  Protection  Law, 
and without giving Bezeq International consent to 
receive notifications and updates by e-mail, in the 
seven  years  prior  to  the  submission  of  the 
application  for  approval  and  until  today.  The 
causes  of  action  for  which  the  motion  was 
approved are a breach of  statutory duty as  well 
as unjust enrichment. On October 6, 2019, Bezeq 
filed  a  motion  for  leave  to  appeal  the  approval 
decision,  the  hearing  of  which  is  scheduled  for 
July 13, 2020. 
On  August  11,  2020,  a  hearing  was  held  in  the 
High Court on the motion for leave to appeal filed 
by Bezeq International regarding the approval of 
the  claim  as  a  class  action.  During  the  hearing, 
the  High  Court  recommended  that  the  plaintiff 
agree  to  accept  the  motion  for  leave  to  appeal 
and to reject the motion for approval of the class 
action.  On  August  25,  2020,  a  ruling  was  given 
according to which the motion for leave to appeal 
was  granted  and  the  motion  for  approval  was 
denied, following the recommendation of the High 
Court and the consent of the plaintiff. 

4.13. Goals, business strategy and development prospects 

Bezeq International has set itself the goal of continuing to lead the Internet-based services market in 
Israel for private and business customers, while preserving revenues in the traditional markets: 

4.13.1. Dealing with changes in the Internet market, deepening and focusing on wholesale 
market packages and fiber-based services, along with managing the decline in retail 
market subscribers. 

4.13.2. Deepening and expanding the basket of cloud-based solutions. 

4.13.3. Establishing Bezeq International's status as one of the leading ICT players in Israel, 

and entering large-scale projects in the security and public sectors.  

4.13.4. Increasing  customer  satisfaction,  by  deepening  and  expanding  service  openings 

(automated services, social networks, etc.).  

4.13.5. Straemlining and synergy with the subsidiaries in the Group.  

4.13.6. Deepening synergy processes with the other subsidiaries in the  Group. For details, 

see section1.8. 

The objectives set out above may not materialize, or materialize in part, due to regulatory 
changes that may impair Bezeq International's ability to meet existing or changing market 
requirements, as well as due to all other risk factors listed below. 

4.14. Discussion of risk factors 

The following is a description of the risk factors arising from the macroeconomic environment, the 
unique characteristics of the industry in which Bezeq International operates, and risk factors unique 
to Bezeq International:  

4.14.1. Competition  

For the effect of competition on Bezeq International's business, see section 4.6. 

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4.14.2. Frequent technological changes and investments in infrastructure  

Bezeq International's areas of activity are characterized by frequent technological changes. 
The development of technologies that constitute attractive alternatives to some of Bezeq 
International's products (such as Skype, WhatsApp or Zoom) may materially impair Bezeq 
International's operations. Also, technological developments require frequent investments 
in infrastructure. See sections 4.1.5.2 and 4.1.6. 

4.14.3. Governmental supervision and regulation  

Regarding the applicability of the provisions of the law and the licensing policy and their 
effect on Bezeq International, see section 4.11. Certain changes in the regulations applied 
to Bezeq International may have an adverse effect on its results and operations. 

4.14.4. Internal enterprise information security 

Bezeq International operates information security systems to protect against information 
leaks or intrusion by an unauthorized party into the network and / or critical systems. An 
intrusion event may impair the functioning or adversely affect Bezeq's business, disclose 
sensitive information, and even expose Bezeq to financial sanctions and legal proceedings 
against it. 

4.14.5. Legal Proceedings 

Bezeq  International  is  a  party  to  legal  proceedings,  including  class  actions,  which  may 
result in charges in substantial amounts, which cannot be estimated, and no provision was 
made for some of them in Bezeq International's financial statements. These class actions 
can reach large sums, since a substantial part of Israel’s residents are consumers of Bezeq 
International,  and  a  claim  relating  to  a  small  damage  to  an  individual  consumer  may 
become a material claim for Bezeq International if it is recognized as a class action lawsuit 
against all consumers. For legal proceedings to which Bezeq International is a party, see 
section4.12.  

4.14.6. Failure of Bezeq International systems and cyber attacks 

For details on this risk factor, see section 2.20.11, Which is also relevant to the applicability 
of a risk factor in relation to Bezeq International. 

4.14.7. Labor relations and streamlining procedures 

Bezeq  International  has  a  collective  agreement  with  the  Histadrut  and  the  Employees’ 
Committee  in  respect  of  most  of  its  employees.  The  implementation  of  the  collective 
agreement  may  affect  Bezeq  International's  day-to-day  operations.  In  addition,  the 
implementation of manpower plans may cause unrest in labor relations and harm the day-
to-day operations of Bezeq International. As described in section1.8, Pelephone, DBS and 
Bezeq  International  implement  streamlining  plans  that  involve,  among  other  things,  the 
sharing  of  management  resources,  organizational  changes  and  the  reduction  of  the 
workforce, in parallel with the management of significant infrastructure and other projects. 
Streamlining procedures, by their nature, involve the risks of loss of knowledge, turnover 
of employees, shifting of managerial focus, etc. Bezeq International has a number of open 
labor disputes. 

4.14.8. Impairment of Bezeq International's assets 

Bezeq  International  conducts  a  periodic  impairment  test  of  assets  in  respect  of  which 
identification signs of impairment have been identified in accordance with the accounting 
standards.  For  details  regarding  the  risk  factor  relating  to  the  recording  of  impairment 
losses, see section 2.20.12. Changes in regulations in the Internet services market (see 
section 1.7.2.2) may lead to damage to Bezeq International's results and / or a decrease in 
the  value  of  its  assets.  Regarding  the  effect  of  the  treatment  of  Bezeq  International 
customers who do not use ISP services on the value of Bezeq International's assets, see 
section 4.4. 

4.14.9. Pandemic 

In early 2020, an outbreak of the COVID-19 virus has begun in the world. Following this, 
Bezeq International monitors developments in connection with this outbreak and pandemic 
incidents in general and examines potential implications for its business operations, with 
some  of  the  implications  already  being  reflected  in  Bezeq  International.  These 
consequences can be manifested, and some of them are already manifested, among other 
things,  in  damage  to  the  supply  chain  and  the  customer  service  system.  According  to 

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estimates by Bezeq International, as of the date of the report, no significant decrease in 
Bezeq International's revenues is expected, which can be attributed to the consequences 
of this outbreak. At the same time, naturally, this is a variable event that is not controlled 
by Bezeq International, and therefore the widespread spread of the virus, and / or decisions 
of countries and authorities in Israel and around the world in this regard, may affect Bezeq 
International accordingly. 

4.14.10.  Cash flow 

Bezeq International must maintain sufficient cash flow for it to meet its long-term business 
plan.  Cash  flow  may  be  affected  in  cases  of  planning  gaps,  as  well  as  difficulties  in 
collecting  payments  from  customers  or  telecommunications  operators.  The  lack  of 
sufficient cash flow may adversely affect Bezeq International's business, and may make it 
difficult for it to deal with competitive threats in the field. 

The  following  is  a  rating  of  the  impact  of  the  risk  factors  described  above  on  Bezeq 
International's  operations,  in  accordance  with  the  assessment  of  Bezeq  International's 
Management. It should be noted that Bezeq International's assessments below regarding 
the degree of influence of the risk factor reflect the degree of influence of the risk factor in 
assuming  the  materialization  of  the  risk  factor,  and  the  aforesaid  does  not  express  an 
assessment or give weight to such chances of materialization. The order in which the risk 
factors appear above and below is not necessarily according to the degree of risk61: 

Risk factors summary table - international communications, Internet services and network 
endpoint 

The extent of the impact 
of the risk factor on 
Bezeq International's 
operations 
Medium 
effect 

Low 
effect 

High 
effect 

X 

X62 

X 
X 

Industry risks 
Growing competition 
Investments in infrastructure and 
technological changes 
Governmental supervision and regulation 
Pandemic 
Special risks for Bezeq International 
Internal enterprise information security 
Exposure to legal proceedings 
System failure and cyber attacks  
Labor relations and streamlining procedures 
Impairment of Bezeq International's assets 
Cash flow 
The  information  contained  in  this  section  4.14  and  Bezeq  International's  assessments 
regarding  the  impact  of  risk  factors  on  Bezeq  International's  activities  and  business,  are 
forward-looking 
information  and 
assessments  are  based  on  data  published  by  the  Ministry  of  Communications,  Bezeq 
International's assessments of the market situation and the structure of competition in it and 
regarding possible developments in the Israeli market and economy. The actual results may 
differ materially from the estimates given above if there is a change in one of the factors taken 
into account in these estimates. 

in  the  Securities  Law.  The 

information  as  defined 

X 
X 

X 
X 

X 

X 

61   See footnote 45.  

62   The  extent  of  the  impact  of  this  risk factor  on Bezeq  International's  activities  was classified  as  moderate,  assuming that  the 

incident would be limited in scope and time. Otherwise, the degree of impact may be high. 

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5.  DBS - multi-channel TV 

DBS, also known by the trade name "yes", is a subsidiary, wholly owned by Bezeq, which provides a service 
of multi-channel television broadcasts via satellite and on the Internet (OTT) as well as additional services 
for subscribers in Israel and in the Judea and Samaria area, and it also has broadcasting rights in content 
purchased from third parties and in productions in which it invests. 

DBS  is  currently  the  only  Bezeq  holding  (non-exclusive)  licenses  to  broadcast  multi-channel  satellite 
television in Israel. 

5.1.  General information about the field of activity 

5.1.1.  The structure of the field of activity and the changes that took place in it 

5.1.1.1 

In  the  field  of  subscriber  television  broadcasts,  there  are  a  number  of 

factors in a number of main categories: 

a)  Holders  of  a  license  to  broadcast  under  the  Communications  Law,  which 
provides  multi-channel  television  services  -  DBS,  as  well  as  Hot,  which 
provides cable television services, which has a monopoly declared under the 
Economic Competition Law in the field of multi-channel television ("the field 
of  satellite  and  cable  broadcasting").  For  details  regarding  the  regulation 
applicable  to  the  owners  of  such  broadcasting  licenses,  see  section5.15. 
DBS and Hot provide both linear channel broadcasts (also referred to in this 
chapter as "channels") and VOD services (for the question of regulating the 
field of DBS’s VOD services, see section5.15.2). 

b) 

Internet content providers (in format OTT) - in Israel, there are a number of 
local  and  international  providers  of  audio-visual  content  via  the  Internet, 
which can be viewed using various types of equipment / end devices. The 
main local providers operate in  a format that  includes linear channels and 
VOD content (including DTT array content transmitted via the array or via the 
Internet), and the main ones are DBS (through the yesGO, Yes+, Sting TV 
services, for details, see sections 5.2.2 ,5.2.1.1 and 5.2.3) Cellcom, Partner 
(Partner  TV)  and  Hot  (Next  and  Play  service).  The  main  international 
providers operating in Israel are Netflix, Apple and Amazon, which provide 
options for watching VOD content (as of the date of the report, most of this 
content  is  translated  into  Hebrew)  without  linear  channels.  To  the  best  of 
DBS' knowledge, most subscribers of  international providers  in Israel also 
subscribe  to  the  services  of  some  of  the  local  providers  or  holders  of 
broadcasting licenses. 

c)  Entities  offering  content  without  the  permission  of  the  copyright  holders 

(pirated)

63

. 

d)  The DTT array 

A digital distribution system for digital television (DTT), known as "Idan+", 
64. 
through which certain channels are distributed to the public, free of charge
The system is operated as of the date of the report by the Second Authority, 
where  the  Minister  of  Communications  and  the  Minister  of  Finance  may 
appoint a private operator for its operation, for whom the council may also 
grant  a  general  license  for  broadcasts  funded  by  subscription  fees  or 
commercials. 

The distribution of the channels is done in exchange for the payment of a 
distribution fee, where the Minister of Communications and the Minister of 
Finance may determine that the State will subsidize the distribution fee that 
will apply to thematic channel broadcasters and a dedicated channel. 

63   DBS is one of the shareholders of Zira Ltd., which works to prevent copyright infringement in video content on the Internet. 

64   As of the date of this report, the television channels of the Broadcasting Corporation (Kan 11, Kan Educational and Channel 33), the commercial 
television  channels  ("Keshet"  and "Reshet"), Channel  20,  and the  Knesset channel (Channel 99)  and  a number of  radio  stations.  The  DTT 
operator must also distribute thematic channels (most of whose broadcasting hours are devoted to the subject of the Broadcasting through 
Digital Broadcasting Stations Law, 5772-2012 (“the Broadcasting Law"), as well as the broadcasts of a minor licensee and a designated minor 
licensee (as defined by the Second Authority Law) - if requested. 

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As of the date of this report, the DTT constitutes a replacement product, in 
part, for multi-channel TV broadcasts. 

5.1.1.2  According to the Broadcasting Law, a broadcaster, whose broadcasts are 
part  of  the  "open  broadcasts"  (i.e.,  television  channels  distributed  through  the 
65  consent  to 
digital  stations),  will  give  each  "registered  content  provider"
broadcast his broadcasts on the Internet free of charge, but without prejudice to 
copyright and promotions by law and subject to certain conditions set out in the 
law,  including  obtaining  a  license  from  the  copyright  holders  and  performers 
(including through the broadcaster). In relation to the commercial channels
, The 
commencement  of  the  said  arrangement  was  postponed  for  five  years  (until 
January 2022), during which special arrangements will apply, including granting 
a  license  to  broadcast  online  broadcasts  by  the  broadcaster  to  any  content 
provider registered in the registry requesting it, at the best price and conditions 
given by the commercial channel to provide other content. For another broadcast 
that  is valid at the time the license is granted, everything  is as specified in the 
transitional provision set forth in the law. 

66

5.1.1.3  Hot,  Partner  and  Cellcom  offer 

their  services  alongside  other 
communication services provided by them, including as part of baskets that are 
“non-detachable"  (such  as  a  "triple"  package  that  includes  landline  telephony, 
Internet and television services). For additional communication services provided 
by  groups  Communication  See  section  1.7.1.  For  the  offer  of  baskets  of 
detachable communication services by DBS, see section1.7.2.2. 

In the year of the report, the upward trend in the level of competition in the field continued, 
mainly due to the establishment of local and international content providers via the Internet, 
as mentioned, operating at a relatively low price level. The activity of these factors via the 
Internet, without the need to establish a dedicated infrastructure system as of the date of 
this  report,  even  without  regulatory  supervision,  has  a  material  adverse  effect  on  the 
competitive  position  of  DBS.  For  more  details  about  the  competition  in  the  field  and 
changes that took place in it in the year of the report, including the manner in which DBS 
operates - see section5.6. For the question of arranging broadcasts with new broadcast 
technologies, see section 5.15.2. 

For changes in the number of DBS subscribers, see section 5.6.1. 

In the opinion of DBS, the continuation of the intensification of the said  competition may 
have significant adverse effect on its activity and results. 

This assessment of DBS is forward-looking information, as defined in the Securities Law, 
based,  among  other  things,  on  the  expected  conduct  of  the  various  parties.  This 
assessment may not materialize, or materialize in a materially different way than forcasted, 
inter  alia,  depending  on  the  manner  in  which  the  said  TV  services  are  developed  and 
established, the entry of additional players, as well as the application of  regulatory rules 
regarding the said TV services. 

5.1.2.  Restrictions, legislation and special constraints in the field of activity 

Activities of broadcasting license holders are subject to extensive legislation in the field of 
communications, and in particular to the Communications Law, the  licensing regime, as 
well as supervision and policy decisions on behalf of the Ministry of Communications. The 
said  activity  is  also  under  the  constant  supervision  of  the  council,  which  sets  policy, 
establishes rules and supervises many areas of activity, including broadcast content, local 
production  obligations,  broadcast  ethics,  consumer  protection  and  the  approval  of 
broadcast channels. 

The provision of television services other than via satellite or cable within the meaning of 
the Communications Law is not subject to supervision as stated above. 

In  2017,  the  Minister  of  Communications  adopted  most  of  the  recommendations  of  an 
advisory  committee  regarding  the  regulation  of  satellite  and  cable  broadcasts  and  the 
content and transferred some to designated teams. In addition, in recent years a number 

65  

66  

"Registered content  provider" is defined in  the  Broadcasting Law as a  registered  content provider;"Content Provider" is defined  in the 
Broadcasting Law as having its main activity broadcasting a variety of content to the public in Israel (such as DBS), provided that the content 
is broadcast on its own initiative, through an interface under its control, whether all content can be viewed in real time, by the public, or the 
content can be viewed at a time and place of the viewer's choice. 
To the best of DBS' knowledge, as of the date of the report, such commercial channels are channels 12 and 13. 

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of legislative initiatives have been published that have not yet been completed

67

: 

A  memorandum  was  published  for  the  Communications  (Bezeq  and  Services) 
No.  _),  5778-2018,  the 
Law (Regulation of Content Providers) (Amendment 
purpose of which was to change the format of the regulation in the multi-channel 
TV  market  and  to  adapt  it  to  technological  developments,  while  applying 
regulation to audio content providers who transmit content to the public in Israel, 
under  certain  conditions,  encouraging  competition  and  reducing  the  regulatory 
burden. 

A government bill from 2018 which dealt, among other things, with the issues of 
regulating the obligation to sell sports content, including the granting of a license 
for the broadcasting of a sports channel or a significant sports enterprise by their 
producers. 

In September 2020, the  Minister of Communications appointed  a committee  to  examine 
the  superregulation  in  the  field  of  broadcasting,  chaired  by  former  MK  Roy  Folkman 
("Folkman  Committee"),  in  order  for  it  to  formulate  a  recommendation  regarding  the 
regulatory principles relevant to broadcasting, taking into account the trends in Israel and 
around  the  world  in  this  field,  and  propose  amendments  to  the  relevant  legislation. 
According to the letter of appointment, the committee was to work to reduce regulation and 
focus on issues that need to be regulated at this time, while emphasizing the promotion of 
competition in the market, the committee is to formulate its recommendations taking into 
account the reports of previous committees examining the field, noting the said legislation 
memorándum. The committee applied for the public's positions on the main issues on its 
agenda, and in accordance, DBS submitted its comments to the committee. As of this date, 
the committee's recommendations have not yet been submitted. 

As the committee's recommendations have not yet been submitted, which also require the 
approval  of  the  Minister  of  Communications  and  probably  also  appropriate  legislative 
amendments,  and  the  legislative  initiative  mentioned  has  not  yet  matured  into  binding 
legislation,  as  of  the  date  of  the  report,  Bezeq  or  DBS  cannot  assess  whether  the 
recommendations or the legislative initiatives will indeed mature into legislation, in full or in 
part, and in what format, and it is also unable to assess the extent of the effect of the said 
legislative amendments on the DBS business, to the extent that they are adopted and in 
the wording and manner adopted. 

These assessments of DBS are forward-looking information, as defined in the Securities 
Law, based, inter alia, on the conclusions of the Folkman Committee, previous decisions 
of the  Ministry of  Communications (see section 5.1.2) and the wording  of the  legislative 
initiatives. There is no certainty that this issue will be regulated in legislation and regulation 
in  general,  and  in  the  manner  proposed  in  particular.  These  assessments  may  not 
materialize, or materialize in a materially different way than was observed, depending on, 
inter  alia,  the  practical  implementation  of  the  Folkman  Committee's  conclusions,  the 
Council's decisions, the Minister's decisions and subsequent legislative amendments. For 
possible impacts on OTT services see section 5.15.2. 

5.1.3.  Changes in the scope of activity in the field and its profitability 

For data on changes in the scope of DBS' activity and profitability, see section 1.5.4.4. 

5.1.4.  The critical success factors in the field of activity and the changes that apply to them 

5.1.4.1  Quality, differentiation and originality in the content of the broadcasts, in 

their variety, branding and packaging. 

5.1.4.2  Providing relevant value propositions. 

5.1.4.3  Providing television services using advanced technologies (in relation to 
broadcast  technologies,  in  relation  to  end  devices  and  in  relation  to  the  user 
interface). 

5.1.4.4  Providing TV services via the Internet. 

5.1.4.5  Offering a "basket" of communication services that will include television 
services  and  other  services,  such  as  Internet  browsing  services  (see  section 
5.15.2) and telephony services. 

67  

For further recommendations of the Broadcasting Committee that the Minister of Communications decided to adopt, see Bezeq’s 2017 periodic 
report. 

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5.1.4.6 

 Accessibility and connection to international content applications. 

5.1.4.7  High level of customer service tailored to the type of service. 

5.1.4.8  The strength of the brand and its identification with quality, innovation and 

leadership, content and services for subscribers. 

5.1.4.9  Attractiveness of the price. 

5.1.5.  The main barriers to entry and exit in relation to the field of activity 

5.1.5.1  The  main  barriers  to  entry  into  the  field  of  activity  are  (a)  for  cable  and 
satellite broadcasts - the need to obtain licenses for cable and satellite broadcasts 
and to comply with the relevant regulatory requirements; (B) investments required 
from operators in the field, including the purchase and production of content, as 
well  as  for  cable  and  satellite  broadcasts  -  the  establishment  of  a  dedicated 
infrastructure; (C) The limited scope of the Israeli market and its characteristics. 
The scope and level of barriers to entry in relation to Internet TV services are very 
low, especially for the international providers for which Israel is another market 
for existing activity, and this is reflected in an increase in the quantity and variety 
of services offered in this format. 

5.1.5.2  The  main  exit  barriers  are:  (a)  For  broadcast  license  holders  there  is  a 
regulatory barrier - termination of activity under the broadcast license entails the 
Minister of Communications' decision to cancel the license before the end of the 
license period, including conditions (including the licensee) to ensure broadcast 
continuity  and  services  and  to  reduce  the  harm  to  subscribers;  (B)  Long-term 
engagements with material suppliers. 

5.1.6.  Substitutes for products in the field of activity and changes that apply to them 

DBS  sees  the  possibility  of  receiving  many  foreign  channels  using  relatively  cheap  end 
equipment  as  a  substitute  for  its  services  in  relation  to  certain  segments.  For  additional 
substitutes, see section5.1.1. 

5.1.7.  The structure of competition in the field of activity and changes that apply to it 

Competition in the field of television is characterized by a relatively large number of players, 
most of whom operate at relatively low price levels (see section 5.1), and through advanced 
web client interfaces in a way that has led to the intensification of competition in the field. 
An  increase  in  the  number  of  subscribers  in  the  current  competitive  situation  can  be 
achieved mainly through the recruitment of subscribers from competitors, which requires 
the investment of considerable resources in retaining existing subscribers and recruiting 
new subscribers. 

In the reported year, Cellcom and Partner continued to establish themselves, as did Netflix 
in the field of television services. 

The total market share of the owners of the broadcasting licenses, DBS and Hot, is in an 
eroding trend. DBS does not have data on the number of subscribers of the international 
companies  operating in the field and on the number  of viewers of the DTT system, and 
according to DBS, most of them are, in addition, subscribers of the local television providers 
operating in the field. According to DBS, the trend of increasing the total market share of 
all players (out of all households in Israel) is weakened due to the fact that the majority of 
the remaining households are not potential audiences.

. 

68

For more details on the competition in the field see section 5.6. 

5.2.  Products and services 

DBS offers satellite TV services and servicesOTT, in a variety of value propositions that differ from 
each  other  in  the  scope  of  the  content,  the  scope  of  the  services  included  in  them,  the  interface 
through which they are offered and the price. The offer of OTT services is part of a gradual trend of 
migration of DBS services from satellite TV services to OTT services. For the migration process see 
section5.18.3. 

Satellite broadcasts and related services 

 Broadcasts  Satellite  DBS  includes  linear  channel  broadcasts  (about  150  channels,  of 

68  

This estimate is based, among other things, on the estimate in relation to the number of HOT subscribers (see footnote 69 below). 

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which about 35 Channels (HD (High Definition and two 4K channels), as well as interactive 
radio, music and services channels. 

For the purpose of receiving DBS services via satellite, reception dishes are installed in the 
buildings and decoders of several types are installed in the subscribers' houses, some of 
which allow the reception of broadcasts only (whether SD or more advanced resolutions), 
and some allow advanced features such as recording content and watching VOD content. 

In  accordance  with  the  DBS  broadcasting  license  and  the  council's  decisions,  the 
broadcasting  of  the  DBS  via  satellite  includes  a  basic  package  that  each  subscriber  is 
required to purchase (along with other basic packages that DBS may offer), as well as other 
channels that the subscriber can  choose to purchase, either as packages or as discrete 
channels. 

 DBS provides satellite subscriber services to its subscribers ("satellite subscribers") VOD 
via the Internet (in the OTT format). The vast majority of satellite subscribers subscribe to a 
content package that includes VOD and the rest may purchase these services, when some 
of the content included in the VOD service is provided in exchange for a separate payment. 

Connecting satellite subscribers to VOD services requires, among other things, the use of 
certain  types  of  decoders.  To  the  question  of  the  regulation  of  the  field  of  DBS’s  VOD 
services see section5.15.2. 

Satellite  TV  services  are  offered  in  a  wide  package,  which  includes  the  vast  majority  of 
linear channels and VOD services, which is purchased by most satellite subscribers, and 
in  packages  with  a  smaller  content  scope  (when  subscribers  can  purchase  additional 
channels that are not included in any of the packages they purchased). 

5.2.1.  OTT Services  

DBS offers a number of OTT services: 

5.2.1.1  Yes+ services 

DBS offers the Yes+ service, which includes linear TV channels, as well as VOD 
content in a number of offered packages, the most common of which is similar to 
that offered  in the broad package offered to the satellite subscriber.  Advanced 
technological interface that includes advanced features that are not available in 
the satellite interface. The service is provided via streamer devices by Apple and 
from  May  2020  is  also  available  via  compatible  streamer  devices.  The  service 
can be used on its own or in parallel with the satellite service. 

5.2.2.  Sting TV services 

DBS operates the "Sting TV” service, which includes linear TV channels as well as VOD 
content,  and  is  intended  for  customers  who  are  not  satellite  subscribers.  The  service  is 
offered in a number of viewing packages that do not include the full range of content offered 
as part  of DBS' other services, and are characterized by relatively low  price  levels. The 
service is provided via compatible streamers and other end devices. 

5.2.3.  YesGo services 

DBS  operates  the  service  called  YesGo,  which  allows  satellite  subscribers  and  Yes+ 
subscribers to watch via smartphones and tablets in the channels included in this service, 
which the subscriber purchased as part of the TV broadcasts in his home, as well as in 
VOD content. 

5.3.  Revenue of products and services 

The following are data regarding the distribution of DBS revenues (in NIS millions): 

2020 

2019 

from  multi-channel 

Revenue 
TV 
broadcasts and services for subscribers  
Rate of total revenue 
About 97% * 
* The rest of the revenue derives, mainly, from payments from channels in respect of their transfer 
by DBS as well as from the sale of rights in the content. 

About 98% * 

1,316 

1,254 

5.4.  Customers 

The  vast  majority  of  DBS  subscribers  are  private  customers.  In  general,  DBS  enters  into  a 
subscription  agreement  with  its  subscribers,  which  regulates  the  subscribers'  set  of  rights  and 

137

2018 
1,431 th most 
common 
About 97% * 

 
 
 
 
 
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obligations in their relationship with DBS. With respect to the subscription agreement with the satellite 
subscribers,  the  approval  of  the  council  is  required,  which  was  received.  According  to  the 
broadcasting license, the approval of the Uniform Contracts Tribunal for the subscription agreement 
is also required (approval previously given and expired). DBS applied to the Council for amendments 
to the subscription agreement and to amend the license, in which case DBS requested, among other 
things, to revoke the license provision requiring the approval of the Uniform Contracts  Tribunal, in 
view of an amendment to legislation made in this regard. As of the date of this report, the Council's 
position regarding DBS’ requests has not yet been received. 

5.5.  Marketing and distribution 

5.5.1.  The marketing of DBS services is done through advertising in the various media. DBS' 
sales activity to existing and new customers is carried out through the following main 
distribution channels (some of which are operated by DBS employees and some by 
external marketers, which also include Bezeq International and Pelephone): 

5.5.1.1  Call centers. 

5.5.1.2  Digital channels. 

5.5.1.3  Field sales people, working to recruit new subscribers. 

5.6.  Competition 

5.6.1.  Competitors in the field 

The field is characterized as of the date of the report by a number of competing groups 
(see section 5.1). 

DBS's main competitors are Hot, which is a declared monopoly in the field of supply Multi-
channel TV broadcasting services and holds the largest market share, as well as Cellcom, 
Partner and Netflix. 

Below  is  data  on  subscription  numbers  and  market  shares69  of  DBS,  to  the  best  of  its 
knowledge, as of December 31, 2019 and 202070: 

The year 2019 

Year 2020 

Subscriptions 
(thousands) 

555 

Market 
Share 
32% 

Subscriptions 
(thousands) 

557 

Market 
Share 
32% 

5.6.2.  Competitive characteristics today 

The competition in the field focuses on the variety and content of the broadcasts, the price 
of the services, the quality of the service, and the offer of advanced end equipment and 
advanced user interfaces, as well as the offer of additional services, including broadcasts. 
HD, 4K and VOD services. 

The  competition  is  also  characterized  by  the  offer  of  additional  communication  services 
alongside the offer of video content (for the offer of "service baskets" of the Hot, Cellcom 
and Partner groups, see also section 1.7.1, and for the offer of service baskets by DBS, 
see  also  section  1.7.2.2.)  and  by  the  increase  in  the  number  of  competitors  and  their 
establishment (see section 5.1). 

5.6.3.  Positive and Negative Factors Affecting the Competitive Status of DBS 

5.6.3.1 

In the opinion of DBS’s Management, the main competitive advantages of 

the DBS are: 

a)  The quality and variety of content that DBS broadcasts to its subscribers. 

69  

70  

The  market  shares  were  calculated  from  all  DBS,  Hot,  Partner  and  Cellcom  subscribers  as  detailed  below  (and  not  from  all  viewers  and 
subscribers in the field in the absence of actual data about them). The assessment of DBS’ market shares in 2019 and 2020 is based on the 
number of DBS subscribers, of Cellcom and Partner (according to their reports on the number of subscribers as of the end of the third quarter 
of 2020), as well as of Hot, when in relation to the years 2019 and 2020, Hot did not publish the number of subscribers, so the data in relation to 
Hot is according to DBS’s estimate, taking into account past trends and the existing data in relation to the other players). However, there is no 
certainty that the data presented in relation to  Hot are accurate, and therefore it is possible, respectively, that the actual market shares are 
different from those estimated. 
The number of subscribers is approximate, and the market share is in a circle. Subscriber - one household or a small business customer. In the 
case of a business customer who owns more than a certain number of decoders (such as a hotel, kibbutz or gym), the number of subscribers is 
adjusted.  The number of non-small business  customers is  calculated as the  total payment  received  from all non-small business  customers 
divided by the average income from a small business customer, which is determined once per period. 

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b)  Level, quality and availability of DBS' customer service system 

c)  Use of advanced technologies to provide advanced services. 

d)  Cultivating and promoting the "Yes" brand as a preferred, well-liked brand 

with a high level of loyalty. 

e)  Marketing  several  call  formats,  characterized  by  different  price  levels, 
different  content  offerings,  different  broadcast  methods,  different 
technological interfaces and different types of customer service format. 

5.6.3.2  DBS's  competitive  activity  in  the  field  of  broadcasting  suffers  from 
disadvantages or factors that adversely affect it, in a number of areas, the main 
ones being: 

a) 

Infrastructure inferiority - DBS' satellite infrastructure does not allow two-way 
communication, does not allow the provision of VOD services and does not 
allow  the  transfer  of  telephony  and  Internet  services,  in  contrast  to  the 
infrastructures  used  by  HOT,  Cellcom  and  Partner,  which  enable  the 
provision  of  these  services.  For  details  about  OTT  services  -  see 
section5.2.1. In addition, the satellite infrastructure is limited in relation to 
the Internet infrastructure in the offer of advanced technological interfaces. 

b)  Regulatory restrictions - 

For restrictions regarding the marketing of a shared basket of services, see 
section 5.15.2. 

For restrictions by virtue of the terms of the Commissioner for a merger with 
Bezeq, see section 2.16.8.3. These restrictions also apply to DBS activities 
in the field of OTT. 

For competitive inferiority resulting from the lack of regulatory oversight of 
players  who  do  not  have  broadcasting  licenses,  see  section  5.19.2.2. 
Establishment  of 
in 
section1.7.3,  which  does  not  allow  DBS  to  purchase  Bezeq  services 
according to it, may facilitate the entry of new competitors into the field and 
establish their status. 

the  wholesale  market  arrangement,  as  stated 

c)  Space  segments  -  the  use  of  space  segments  involves  heavy  fixed 
expenses,  depending  on  the  receipt  of  the  services  by  a  third  party  (see 
section 5.16), and involves a limitation with respect to the ability to expand 
the supply of broadcasts (see section 5.7). 

5.6.4.  Main methods of dealing with competition 

Here are the main methods of DBS to deal with the competition:  

5.6.4.1  Content  -  DBS  works  to  purchase,  produce  and  broadcast  quality, 
innovative  and  diverse  content,  while  creating  differentiation,  emphasizing 
branding and achieving originality in relation to the content broadcast by it. 

5.6.4.2  Pricing policy - offering a variety of services at different price levels. 

5.6.4.3  Offering OTT services (see section5.2.1). 

5.6.4.4  Service - DBS places emphasis on the customer service system. 

5.6.4.5  Technology - DBS is investing in expanding its technological capabilities, 

with an emphasis on providing innovative and advanced services. 

5.6.4.6  Branding - DBS cultivates, promotes and differentiates the brand "Yes". 

5.7.  Production capacity 

The number of channels that DBS can transmit to satellite subscribers depends on the number of 
space segments it uses, the content compression capabilities and the bandwidth required to transmit 
each type of channel. As of the date of the report, DBS almost fully utilizes the space segments it 
uses,  thus  increasing  the  number  of  channels  broadcast  by  DBS  to  satellite  subscribers,  and  in 
particular increasing the number of HD and 4K channels, that consume more bandwidth, will require 
the use of additional space segments or an improvement in the compression systems used by DBS. 
The space segments are provided to DBS by  Space (see section 5.16). These restrictions do not 
apply  in  relation  to  the  OTT  and  VOD  services  whose  transmission  depends  on  web  browsing 

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volumes. 

5.8.  Fixed assets, real estate and facilities 

The following are the main components of DBS' fixed assets: 

5.8.1.  Real estate 

DBS leases a number of real estate properties for its operations. DBS' headquarters, as 
well as its main broadcasting center, are located in leased real estate in Kfar Saba, whose 
lease  period  ends  in  2024  (with  options  granted  to  DBS  for  the  extension  of  the  lease, 
subject to the terms of the agreement, until 2034). The balance of the lease period of the 
other properties that DBS leases ranges from a few months to two and a half years (these 
periods are based on the exercise of lease extension options granted to DBS). 

5.8.2.  Satellite end equipment 

DBS  installs  reception  dishes  and  other  end  infrastructures  in  its  subscription  houses, 
including decoders that enable the reception of the broadcasts, as well as smart cards used 
to decode them. The decoders are rented to subscribers in exchange for fixed fees, paid 
during the period of receipt of the services, or lent to subscribers. 

5.8.3.  End equipment for OTT services  

Yes+ and Sting TV services can be viewed via a variety of end devices, including streamers 
of various models. DBS purchases streamers from various providers and leases them to 
its  subscribers.  The  streamers  are  usually  off-the-shelf  products  that  require  relatively 
limited adjustment operations. 

5.8.4.  Broadcasting equipment and computer and communication systems 

DBS  has  a  main  broadcasting  center  located  in  Kfar  Saba,  as  well  as  a  secondary 
broadcasting center located in the Ella Valley, through which its broadcasts are transmitted 
via satellite and OTT. The broadcast centers have reception and transmission equipment, 
as well as computer and communication systems. The secondary broadcasting center is 
partly operated on third-party premises, which provides DBS with the services of operating 
the secondary broadcasting center  and maintaining it in  accordance with the framework 
agreement valid until the end of 2023 (with the right to extend granted to DBS, which can 
be realized six months before the end of the agreement). 

5.8.5.  Operating and encryption systems 

DBS purchases from Cinemedia ("Cinemedia") development, implementation, encryption, 
maintenance  and  warranty  services  related  to  the  operating  systems  of  the  satellite 
broadcasting system and also purchases similar services from Cinemedia in relation to the 
OTT  system,  in  accordance  with  the  framework  agreements  between  DBs.  SS  and 
Cinemedia  from  January  2020.  These  services  are  provided  in  relation  to  various  DBS 
systems, end equipment, and viewing cards and other hardware components required to 
receive these services, and DBS has also been granted relevant  licenses for the use of 
systems and end equipment. 

The contract period with Cinmedia in relation to the satellite system is until February 2026 
subject to the terms of the agreement, with the possibility of early termination by DBS in 
the  event  of  the  cessation  of  satellite  broadcasts  as  part  of  the  migration.  See  section 
5.18.1. 

For  the  services  and  products  provided  under  this  agreement,  DBS  pays  monthly 
payments,  where  the  agreement  stipulates  a  minimum  monthly  consideration  for  the 
provision of services to the extent specified, and an additional consideration is possible, 
the  amount  of  which  depends  on  the  types  of  services  provided  to  DBS,  and  on 
development services that DBS may order under the agreement. 

The engagement period in relation to OTT is until December 2024 (after which an automatic 
renewal  mechanism  applies  for  periods  of  two  years  unless  one  of  the  parties  notifies 
otherwise in accordance with the dates set for this matter in the agreement). DBS is granted 
the right to exit the agreement in relation to the OTT system, from January 2023 onwards, 
subject to prior notice and payment of an "exit fee" (at a decreasing rate depending on the 
duration of the agreement period). 

DBS depends on the continuous supply of these services, both in relation  to the satellite 
system and in relation to OTT. 

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5.8.6.  Computerized customer management system 

DBS uses software and computer systems to manage the contracts with its subscribers, 
including  its  billing  and  collection  system.  In  this  context,  DBS  contracts  for  licenses, 
development services and technical support with NetCracker Technology Solutions Ltd and 
NetCracker  Technology  EMEA  Limited  (jointly:  "NetCracker"),  and  DBS  also  uses 
Salesforce  software  together  with  Pelephone  and  Bezeq  International,,  according  to 
Pelephone's contract with Salesforce (for details, see section 3.8.4). 

DBS  is  dependent  on  the  NetCracker  system  and  services  and-Salesforce,  due  to  their 
importance for the management and monitoring of DBS 'acquisition of services and content 
by its subscriber as well as for the purpose of charging and collecting from a subscriber. 
System failures or discontinuation of services to DBS(Including depending on cell phone 
connection with Salesforce) Are expected to cause operational difficulty until the matter is 
repaired or the system / supplier replaced, which may take a long time. As of the date of 
this  report,  some  of  the  components  of  the  engagementWith  NetCracker  is  renewed 
annually and some are valid until the end of 2023. The contracting with Salesforce is until 
the end of 2025. 

5.9.  Intangible assets 

5.9.1.  Licenses 

DBS has the following main licenses: 

5.9.1.1  Broadcasting license valid until January 2023 - this license is material to 
DBS' satellite activity and constitutes the main regulatory permit for this activity 
(for the terms of this license, see section 5.15). 

5.9.1.2 

License for satellite television broadcasts in the Judea and Samaria area 
valid  until  December  2022,  the  provisions  of  which  are  similar  to  DBS’s 
broadcasting license specified in section 5.9.1.1. 

5.9.1.3 

License  to  perform  uplink  operations  (transfer  of  broadcast-focused 
broadcasts  to  the  broadcast  satellite  and  to  carry  out  ancillary  set-up  and 
operation operations), which are valid until January 2023 or until the expiration of 
DBS’s  broadcasting  license,  whichever  is  earlier.  This  license  is  essential  for 
DBS’s  activity  and  constitutes  the  regulatory  permit  for  the  transmission  of 
transmission messages from the transmission center to the transmission satellites 
and from them to the subscribers' homes. 

5.9.2.  Trademarks 

DBS has registered trademarks, the main ones of which are intended to protect its trade 
name (Yes). 

5.10. Broadcasting rights 

5.10.1. DBS has broadcasting rights in video content of two types: 

Content  whose  rights  to  broadcast  are  acquired  from  third  parties,  including  discrete 
content  and  channels.  DBS  works  to  adapt  as  much  as  possible  broadcasting  rights 
acquired  by  it  in  a  way  that  will  allow  broadcasting  in  the  various  media  and  formats  in 
which it operates. 

Content that DBS invests in its production (in full or in part), and in addition to the right to 
broadcast the content as part of its broadcasts, DBS usually has rights in the same content, 
at the rates specified in the agreements with the producers. In most cases, DBS is also 
entitled  to  grant  rights  to  the  use  of  rights  and  to  participate  in  revenues  arising  from 
additional uses of the content beyond their transmission on DBS. 

Broadcasting  and  distribution  of  content  by  DBS,  in  the  various  media,  involves  the 
payment of royalties to copyright holders and performers in musical works, sound records, 
scripts and content directing, as well as in respect of sub-broadcasting, including under the 
Copyright  Law,  5768-2007  ("Copyright  Law")  and  the  Performers  and  Broadcasters' 
Rights Law, 5744-1984. Such royalties are paid to a number of organizations, which collect 
the royalties to which they are entitled through comprehensive licenses (blanket licenses) 
for  the  intellectual  property  rights  holders.  The  payments  under  these  licenses  are 
sometimes based on  a fixed payment and sometimes on different pricing methods, with 
some  organizations  being  required  to  pay  additional  fees  for  the  transfer  of  content  in 
certain media or in certain formats, in amounts that DBS estimates are not expected to be 

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substantial. 

This assessment of DBS is a forward-looking assessment, based on, among other things, 
DBS estimates, including in relation to the extent of the use of the said content, and the 
positions  of  the  various  organizations,  and  in  the  event  of  changes  in  any  of  them,  this 
assessment may materialize differently. 

5.10.2. In  view  of  the  large  number  of  content  providers  from  whom  DBS  acquires 
broadcasting  rights,  DBS  does  not  have  a  primary  content  provider  and  is  not 
dependent  on  a  single  content  provider.  However,  in  the  field  of  Israeli  sports 
broadcasting, as of the date of this report, there is a dependence on the acquisition of 
the broadcasting rights of local sports channels from Sports Channel Ltd. and Charlton 
Ltd., with whom there is a contract for several years. This dependence stems from the 
fact that they are the exclusive providers of Israeli sports broadcasts and in light of 
the existence of a high demand for such services, from among a significant group of 
DBS customers. Remuneration under these agreements is based on a fixed monthly 
payment in accordance with the number of subscribers to DBS broadcasts (except for 
exceptions set forth in these agreements). 

5.11. Human capital 

5.11.1. Organizational structure 

DBS’s Management consists of divisions, with each division headed by a VP, who serves 
as a member of the DBS management. 

The board of 
directorsEcono
mics and 

CEO

Deputy 
CEO 

Inter
nal 
Audit 
(* 
719
)

Finan
ce 

Conte
nt

Busines
s 
Custom
ers 
Division 

Private 
Custom
ers 
Divisio
n **

Public 
Relatio
ns 

Market
ing 

Informati
on 
Technolo
gy 

Engine
ering

Huma
n 
Resou
rces

Legal 
advice 
and 
Regulati
on 

 (*)   The internal auditor is a Pelephone employee.  

(**) The director of the private customer division is the deputy CEO. 

As part of the implementation of the synergy processes between subsidiaries in the Group, the CEO 
of DBS, Mr. Ran Guron, also serves as the CEO of Pelephone and Bezeq International. In addition, 
most of the VPs who serve at DBS also serve as VPs at Pelephone and Bezeq International. 

5.11.2.  DBS employee base by divisions:  

Administration 

142

Number of employees 

December 31, 
2020 
382 

December 31, 
2019 
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Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

Customer Division 
Total 

847 
1,229 

942 
1,335 

The number of employees included in the table above includes employees employed part-
time. The total number of jobs in DBS as of December 31, 2020 was 1,120. 

5.11.3. Benefits and nature of employment agreements 

The  terms  of  employment  in  the  DBS  are  regulated,  among  other  things,  in  collective 
agreements and in a collective arrangement, that applies to the majority of the employee 
population  (does  not  apply  to  some  of  the  management  levels  and  also  employees  in 
special positions of trust). The workers' organization of DBS employees is the Histadrut. 

In  addition,  DBS  employees  are  employed  in  accordance  with  personal  employment 
agreements on a monthly or hourly wage basis, with some employees also being entitled 
to  performance-based  compensation.  The  employment  agreements  are  usually  for  an 
indefinite period and each party may terminate the contract with prior notice in accordance 
with  the  personal  agreement  and  the  law,  subject  to  the  provisions  of  the  collective 
agreement, as applicable. 

A special collective agreement signed in 2016 and amended in 2019 sets out, among other 
things, the periods after which a DBS employee will be considered a permanent employee, 
mechanisms  that  involve  the  Employees’  Committee  in  decision-making  regarding 
employment and permanent termination of employment, as well as annual salary increases 
and  additional  financial  benefits  provided  by  DBS  to  employees,  during  the  term  of  the 
agreement. 

Also in 2018, a special collective agreement was signed, which regulated the actions of the 
parties in relation to the implementation of reforms and structural changes that were then 
on the table. 

In  2019,  DBS  signed  a  collective  agreement  between  it  and  the  Histadrut  and  the 
Employees’  Committee  in  connection  with  streamlining  and  synergy  procedures.  The 
arrangement  stipulates,  among  other  things,  that  DBS  will  be  entitled  to  terminate  the 
employment of up to 325 employees during the years of the arrangement and that a one-
time bonus will be given to employees who will not be included in the retirement plan. As 
part of the arrangement, it was agreed to cancel all pending labor disputes. In addition, the 
arrangement  stipulates  that  DBS  may  also  become  more  efficient  by  not  recruiting 
employees in place of employees who have terminated their employment. 

DBS’s estimates of the cost of the agreement are forward-looking information, as defined 
in the Securities Law, based, inter alia, on DBS' assumptions regarding the implementation 
of  the  streamlining  plan  and  additional  conditions  set  forth  in  the  agreement.  These 
assessments may not materialize, or materialize differently from what was observed, inter 
alia, depending on the actual implementation of the streamlining plan, taking into account 
the needs of DBS and its ability to implement its plans and additional conditions set forth 
in the agreement. 

The collective agreements and the arrangement mentioned above are valid until December 
31, 2021. The validity will be automatically extended for a period of 12 months each time, 
if one of the parties does not notify, at least 90 days before the end of the validity, of its 
desire to make changes. 

In  December  2019,  DBS  received  a  notification  from  the  Histadrut  announcing  a  labor 
dispute. According to the announcement, the issues in the dispute are: a. DBS intends to 
make organizational and structural changes in DBS, including the change of ownership in 
Bezeq, which, as far as they are carried out, have implications for employees' conditions, 
rights and employment security, harm the status and organizational power of employees, 
and constitute a fundamental violation of the collective agreement applicable on the parties; 
B.  Lack  of  good  faith  manifested  in  non-compliance  with  the  duties  of  consultation  and 
negotiation within the framework of the collective discourse on issues that by law require 
consultation  and  negotiation in  matters that  by law require consultation  and negotiation. 
Bezeq  and  /  or  DBS  cannot  assess  at  this  stage  the  meanings  derived  from  the  above 
announcement. 

5.11.4. Employee compensation plans 

DBS usually provides its officers, as well as managers and some of its employees, with 
bonuses  on  an  annual  basis  based  on  meeting  goals  and  evaluating  performance,  for 
components of capital compensation from Bezeq in relation to some of DBS's managers, 
see section 2.9.5.  

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5.12. Suppliers 

For engagement with Space, see section 5.16. 

For engagement with Cinmedia, see section5.8.5. 

For engagement with NetCracker and Salesforce, see Section5.8.6. 

For the purchase of broadcasting rights of local sports channels, see section 5.10.2. 

5.13. Financing 

DBS's  main  sources  of  financing  are  owner  loans  or  investments  from  Bezeq  in  accordance  with 
DBS's needs, which, according to DBS, is expected to need financing from Bezeq in the foreseeable 
future. 

The assessment of DBS as stated above is forward-looking information. There is no certainty that 
DBS  will  be  required  to  finance  Bezeq  in  the  future  or  that  Bezeq  will  provide  funding  for  DBS's 
activities  and  in  which  periods  and  this  depends,  among  other  things,  on  DBS's  situation, 
developments in its areas of activity and competition in these areas and on DBS’s future financing 
needs. 

In March 2021, Bezeq approved a credit facility or investment in DBS capital in the total amount of 
up to NIS 150 million, for a period of 15 months starting on January 1, 211. This approval is in lieu of 
a similar approval given in November 2020 (and not in addition to it). 

5.14. Taxation 

 For more details, see Note 7 to the 2020 statements. 

5.15. Restrictions and supervision of DBS 

5.15.1. Arrangement of satellite broadcasts 

DBS's activity as a holder of a regulated satellite broadcasting license in an extensive legal 
system has applied to the field of satellite and cable broadcasting, which includes primary 
legislation (and in particular the Communications Law and regulations enacted thereunder), 
secondary legislation (including communications rules) and board directives. 

In addition, DBS's satellite activity is subject to the provisions of its licenses, primarily the 
broadcasting license. 

The law authorizes the Director General of the Ministry of Communications as well as the 
Council to impose financial sanctions for various violations of the provisions of the law and 
of  orders  and  provisions  issued  under  it,  as  well  as  for  violation  of  conditions  in  the 
broadcasting license. 

5.15.1.1  Terms of service for a satellite broadcasting license holder, restrictions on 

cross-ownerships 

Satellite broadcasting license regulations set various restrictions on the licensee, 
including, among other things, eligibility conditions in relation to the  holdings of 
the  licensee  and  stakeholders,  directly  and  indirectly,  in  holders  of  cable 
broadcasting licenses, in holders of franchises under the Second Authority Law 
71 and in newspapers with daily circulation, as well as "Israeliness" requirements 
regarding officers in the DBS and "Israeli" holding at a minimum rate of 26%, in 
accordance with the provisions set forth in the regulations. 

5.15.1.2  Rates supervision 

The broadcasting license sets forth provisions regarding the types of payments 
that the licensee may charge its subscribers for services provided by virtue of the 
license,  and  these  are  determined  in  the  DBS  price  list.  The  vast  majority  of 
satellite  subscribers  subscribe  to  promotions,  offering  DBS  services,  including 
various composition of content packages, ancillary services as well as receiving 
and installing end equipment, at prices lower than the list price. 

DBS has a duty to notify the chairman of the Council of any change in the price 
list approved by the Council immediately upon its publication and the chairman 
may in certain cases  prohibit the change  of the price list. The chairman of the 
Council  may  also  interfere  with  promotions  or  discounts  offered  by  DBS,  if  he 

71   As of the date of the report, the activities of these entities (both in the field of cable broadcasting and under the Second Authority Law) are 

regulated through licenses and not franchises. 

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finds that they have the effect of misleading the public or discriminating between 
subscribers. 

By  virtue  of  the  Communications  Law,  the  license  can  set  maximum  prices  at 
which a subscription can be charged. As of the date of this report, no such prices 
have been set. 

5.15.1.3  Obligation to invest in local productions 

In  accordance  with  the  requirements  of  the  broadcasting  license  and  the 
decisions of the Council, in each of the years 2020 and 2021, DBS must invest 
an  amount  of  not  less  than  8%  of  its  revenues  from  the  subscription  fees  of 
satellite  subscribers72  in  local  productions,  when  according  to  the  rules  of  the 
media  and  the  decisions  of  the  council,  DBS  must  invest  different  rates  out  of 
these investment amounts in different categories of local productions. 

In December 2020, the Council decided to postpone for 2022 the entry into force 
of its previous decision, according to which the rate of investment obligation in 
local productions will exceed and stand at 9%. The Council also determined that 
during 2021 and in accordance with developments, the Council will hold another 
discussion to examine the current legislative situation and the economic situation 
of licensees, including a hedging formula set out in the council's previous decision 
and give instructions as it sees fit. 

5.15.1.4  Duty to transfer channels 

DBS is obligated to transmit the "mandatory channels" in satellite broadcasts and 
everything as determined by the Minister and in the broadcasting license. 

In addition, DBS is required to allow channel producers provided by law to use its 
infrastructure to distribute broadcasts to its subscribers, for a fee ("transfer fee") 
to be determined in the agreement, and in the absence of consent - for a fee to 
be  determined  by  the  Minister,  after  consulting  the  Council.  In  addition,  the 
Minister  may  require  the  transmission  of  small-license  broadcasts  under  the 
Second  Authority  Law  (which  did  not  have  dedicated  licenses  prior  to  the 
amendment  to  the  law),  taking  into  account  the  satellite  capacity  of  DBS. 
According  to  an  amendment  to  the  Second  Authority  Law  of  2018,  holders  of 
small  and  small  designated  licenses,  who  had  a  dedicated  license  under  the 
Communications Law, are exempt from paying transfer fees to Hot to DBS, for a 
period of 5 years from the date of the amendment. 

5.15.1.5  Contents of the broadcasts and obligations in relation to the subscriber 

The  broadcasting  license  sets  forth  provisions  relating  to  the  content  of  DBS 
broadcasts,  including  the  obligation  to  obtain  the  approval  of  the  Council  in 
relation  to  channels  broadcast  by  DBS.  The  Communications  Law  prohibits 
broadcast  licensees  from  broadcasting  commercials,  subject  to  a  number  of 
exceptions. 

In addition, the broadcasting license includes conditions regarding the terms of 
service for subscribers, including the prohibition of discrimination between them. 

For  a  hearing  published  by  the  Ministry  of  Communications  in  January  2021 
regarding the data demand on the consumption of communications services from 
communications operators, see section 1.7.4.11. 

For a preliminary  data demand  Council  in connection with  inactive subscribers 
see section1.7.4.13. 

5.15.1.6  Ownership of broadcast channels 

According to the rules of communication, DBS, including entities affiliated with it 
(as  defined  in  the  rules  of  communication),  may  own  up  to  30%  of  the  local 
channels  broadcast  as  part  of  DBS  broadcasts  (compared  to  a  limit  of  20% 
applicable to HOT). DBS is also restricted according to the Communications Law, 
in owning a news broadcast producer. 

5.15.1.7  General provisions regarding the broadcasting license 

72   Based on its revenues in the past year from satellite subscribers, including DBS's revenues from end equipment and its installation. According 
to the position of the Council, according to which the actual investments are made, even though DBS disagrees with it, these revenues also 
include revenues from VOD service to satellite subscribers. 

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The Minister and the Council have parallel authority to amend the Broadcasting 
License.  The  Minister  is  authorized  to  revoke  or  suspend  the  Broadcasting 
License  on  the  grounds  set  forth  in  the  Communications  Law  and  the 
Broadcasting License. The Communications and Broadcasting License Law sets 
limits on the transfer, foreclosure and encumbrance of the Broadcasting License 
and  of  assets  from  the  license  assets.  The  Broadcasting  License  requires  the 
approval  of  the  Minister  in  relation  to  certain  changes  in  the  maintenance  of 
means  of  control  in  the  DBS  and  imposes  reporting  obligations  regarding  the 
holders of the means of control; Infringement of competition is prohibited by way 
of an agreement, arrangement or understanding with a third party regarding the 
provision of broadcasts and services unless approved in advance and in writing 
the  Ministry  of 
by 
Communications, as well as conditions related to the supervision of the licensee's 
activities,  were  established;  The  obligation  to  provide  bank  guarantees  to  the 
Ministry of Communications to secure DBS's liabilities under the license has been 
determined, in the amount (principal) of NIS 30 million (a total as of the date of 
the report of approximately NIS 40 million). 

the  Council;  The  obligation 

to  submit  reports 

to 

5.15.2. Arrangement of OTT services  

OTT services (such as those offered by Cellcom, Partner, Netflix and also by DBS) are not 
subject to the current standard in relation to multi-channel satellite television broadcasts or 
other  arrangements  under  the  Communications  Law.  DBS  also  believes  that  the  VOD 
services it provides via the Internet to satellite subscribers (see section0) are not subject to 
such  regulation.  However,  from  various  decisions  of  the  Council  (see  also  section  0),  it 
seems that the Council considers itself authorized to arrange the VOD  services for DBS 
satellite subscribers. 

For the processes of examining the regulation of OTT services, see section 5.1.2. 

To  the  extent  that  a  regulation  of  content  transfer  via  the  Internet  is  implemented,  it  is 
expected  to  impose  restrictions  on  the  provision  of  the  said  services  by  DBS,  but  this 
regulation may reduce the existing gap in the regulation regimes between licensees and 
broadcasters between other entities active in the field.OTT. 

These assessments of DBS are forward-looking information, as defined in the Securities 
Law, based, inter alia, on the conclusions of the Folkman Committee, previous decisions 
of the  Ministry of  Communications (see section  5.1.2) and the wording  of the  legislative 
initiatives. There is no certainty that this issue will be regulated in legislation and regulation 
in  general,  and  in  the  manner  proposed  in  particular.  These  assessments  may  not 
materialize, or materialize in a materially different way than would be expected, inter alia, 
depending  on  the  actual  implementation  of  the  Folkman  Committee's  conclusions,  the 
Council's decisions, the Minister's decisions and subsequent legislative amendments. 

5.15.3. Offer of baskets of services 

According  to  the  broadcasting  license,  DBS  may  offer  a  shared  basket  of  services, 
including Bezeq service and DBS service, subject to obtaining approval from the Ministry 
of Communications (in the absence of objection within the period specified in the license 
will  be  considered  as  possible)  and  subject  to  conditions,  the  main  ones  are  the 
“detachability” obligation and the existence of a parallel basket marketed by a licensee who 
is not affiliated with Bezeq (see section 1.7.2.2). A shared basket of services marketed by 
DBS,  which  includes  Bezeq's  Internet  infrastructure  service  only,  does  not  require  the 
approval of the Ministry of Communications and does not have detachability obligation.. 

Regarding  conditions  published  by  the  Commissioner  in  connection  with  the  merger  of 
Bezeq and DBS and the amendment under consideration, see section 2.16.8.3. 

In  the  opinion  of  DBS,  in  view  of  the  development  of  competition  between  the 
importance  of  providing  comprehensive 
communication  groups  and 
communication services (see section 1.7.1), in particular in the competition between it and 
HOT,  Cellcom  and  Partner,  which  are  not  subject  to  these  restrictions,  insofar  as  the 
restrictions remain in relation to Bezeq's collaborations with it (see section 1.7.2.2), may 
increase the adverse effect of these restrictions on DBS results.  

the  growing 

5.16. Substantial agreements 

The following is a concise description of the main points of the agreements that may be considered 
material agreements that are not in the ordinary course of business of DBS, which were signed or 
are valid during the reporting period: 

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Agreement for the lease of space segments73  

According  to  an  agreement  with  Space74,  since  2013,  as  amended,  DBS  has  leased  space 
segments in satellites from the "Amos" series ("the Space Agreement").  

Comply  with  the  provisions  of  the  Space  Agreement,  DBS  leases  space  segments  on  "Amos  3" 
satellite75 (whose estimated end of useful life is at the beginning of 2026), as well as the "Amos 7" 
satellite, in which Space has the right to lease space segments under an agreement between it and 
the  owner  of  the  rights  in  this  satellite,  and  which  was  leased  to  DBS  until  February  2022  (after 
exercise of an extension option). 

Under the Space Agreement, Space undertook to make reasonable efforts to deploy a new satellite, 
"Amos 8", by February 2021, in which case DBS will lease space segments from that date on Amos 
3 and Amos 8, beginning at the end of Amos 3's life – in Amos 8 only. To the extent that Amos 8 is 
not deployed by February 2022, DBS will lease space segments in Amos 3 until the end of its useful 
life, and it will have the right, if it so chooses, to lease space segments in Amos 8  to be deployed 
later as well. In the opinion of DBS, noting, among other things, that Space did not announce in the 
agreement  a  contract  to  build  Amos  8  and  according  to  the  information  provided  by  Space76  the 
placement of Amos 8 is not expected to materialize until February 2022, if at all77. Thus, although 
the period of the original  Space Agreement is until 2028, in accordance with the provisions of the 
Space Agreement, the Space Agreement will come to an early end at the end of Amos 3 satellite’s 
useful  life,  which  to  the  best  of  DBS's  knowledge  is  expected  to  be  in  early  2026,  without 
compensation and the terms subject to additional early termination options listed below). 

The leased segments of space - According to the Space Agreement, during the engagement period 
(and subject to unavailability events) DBS will lease space segments from Space, in accordance with 
the division between the relevant satellites stipulated in the agreement in accordance with the various 
periods78, starting with the end of the lease of the Amos 7 satellite, DBS is expected to lease ten 
space segments in Amos 3. The agreement also regulates the provision of backup segments for the 
leased space segments during the term of the agreement, under the terms and restrictions set forth 
therein. 

Cost - the estimated total nominal cost for the engagement period (from 2017) is approximately USD 
263  million,  reflecting  an  average  annual  cost  of  approximately  USD  21.9  million,  subject  to  the 
discount and reimbursement mechanisms set forth in the Space Agreement. 

Early  termination  of  the  agreement  -  the  Space  Agreement  stipulates  a  right  to  early  termination 
without cause, subject to 12 months' prior notice and payment of the consideration in accordance 
with the mechanism set forth therein.79For further details regarding the Space Agreement, see the 
corrective transaction report and the announcement regarding the convening of a special general 
meeting  of  Bezeq  dated  March  26,  2017  and  an  immediate  report  on  the  results  of  the  general 
meeting of Bezeq dated April 3, 2017, which are presented here by reference. 

The usage fee in 2020 amounted to about NIS 75 million. 

DBS  has  a  substantial  dependence  on  Space,  as  the  sole  owner  and  sole  supplier  of  the  space 

73  

The assessments in this section regarding the dates of satellite delivery, their launch, their placement in space, the commencement of their 
activity and end of useful life, the amount of segments leased and those intended to be made available to DBS for various event controls (such 
as backup cases), and all implications are forward-looking information, as defined in the Securities Law, which is based, among other things, 
on the information provided by Space to DBS, and which in part is not even controlled by Space and depends on its engagements with third 
parties. Therefore, these assessments may not materialize, or materialize in a materially different manner than expected, inter alia, depending 
on the conditions associated with satellite launch, the start of satellites, the conditions required for their proper operation and availability, the 
end of the existing satellite’s useful life, and external factors (including third parties and the rights in Amos Satellite 7) that affect their activity 
and the activity of Space as well as the business position of Space. 

74   A company that at the time of entering into the Space Agreement was controlled by Eurocom Communications which was in (indirect) control 

of Bezeq at the same time. 

75   According to what was reported by Space, Amos 3 satellite is suffering from a malfunction in its battery (as detailed in the amendment report 
to the transaction report, which is presented by way of reference in this section below). As of October 2019, the Amos 3 satellite suffered from 
a malfunction in the spare horizon meter, at a level that prevented it from being used in case as required. In December 2019, Space reported 
that the spare horizon meter was in good condition and could be used if required. For more details about the fault of the spare horizon meter, 
see immediate reports of Space from the October 1, 2019 and December 18, 2021 presented by way of reference. 

76   According to Space’a reports, an agreement to build Amos 8 was canceled by Space in 2018. 
77  

For  the  cancellation  of  an  agreement  in  which  a  Space  contracted  for  the  production  of  the  Amos  8  satellite,  for  Space’s  announcement 
regarding the examination of the alternatives for the construction of Amos 8 in light of a notice received from a government source regarding 
the State's intention to act to set up a satellite, for the setting up an independent committee by Bezeq’s Board of Directors, appointed to examine 
alternatives for the termination of the activity of the aforesaid committee and for DBS’s announcement to Space regarding the protection of 
the rights not to lease space segments on Amos 8 satellite in case of delay in placing it as stated above, see section 5.16 of Chapter A of Bezeq's 
2017 period report, updates in Chapter A of the periodic report attached to the report for the third quarter of 2018 of the Company as well as the 
immediate report of Bezeq dated December 17, 2018 presented by way of reference. 

78   As of 2018, DBS leases another transponder in Amos 7, a space segment in Amos 3 has been replaced for a temporary period. It was agreed 
that the said replacement will not detract from the possibility of shutting down one of the "Amos 3" transponders during the Eclipse period (as 
specified in the facility report to the transaction report, presented by way of reference in this section below). 
The space agreement also stipulated a right of DBS to terminate the agreement in early February 2021 due to a delay in the entry into force of 
the agreement for the construction of "Amos 8". DBS has informed Space that it will not exercise this right. 

79  

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segments  used  by  DBS,  which  is  also  responsible  for  the  operation  of  the  space  segments. 
Regarding  exposure  to  risks  in  the  event  of  a  failure  in  the  activity  of  one  of  the  satellites,  the 
unavailability of the space segments used by DBS and the lack of redundancy for the Amos 3 satellite 
from  the  end  of  the  Amos  7  lease,  see  section5.19.3.4.  For  Space  dependence,  see 
section5.19.3.5 . 

5.17. Legal Proceedings80 

5.17.1. Legal proceedings are pending 

Date 

Sides 

Court 

a. 

 June 
2015 

Clients 
against 
DBS  

District 
(Central
) 

Type of 
proced
ure 

Financi
al 
claims 
togethe
r with 
motion 
to 
recogni
ze them 
as class 
actions 

Amount of 
claim / 
remedies 

Amount  of  the 
claim 
The 
subject  of  the 
was 
motion 
estimated  by 
the  applicants 
13 
at  NIS 
million 
plus 
non-pecuniary 
damage 
as 
decided  by  the 
Court. 
The  applicant 
the 
in 
additional 
motion 
does 
not  specify  the 
amount  of  the 
but 
claim, 
the 
estimates 
extent  of 
the 
damage at tens 
of  millions  of 
NIS. 

Details 

this 

Claim  regarding  discrimination  against  new 
DBS customers and returning customers who 
were  previously  DBS  customers, 
is 
allegedly  contrary  to  the  provisions  of  the 
license  and  the  law.  Applicants  seek  non-
pecuniary  compensation  for  members  of  the 
represented  group  as  well  as  allow  each 
subscriber  to  receive  the  terms  received  by 
repeat  subscribers  (the  “First  Motion”).  In 
July 2015, another motion was submitted for 
approval of a class action lawsuit against DBS 
alleging  price  discrimination  in  which  Bezeq 
discriminated between existing customers and 
existing  customers,  between  new  customers 
and  new  customers  and  between  existing 
customers  and  new  customers  by  offering 
them  different  rates  for  the  same  service.  . 
This is contrary to the provisions of the license 
and the law. The additional applicant requests 
that  DBS  compensate  the  members  of  the 
represented  group  with 
the  monetary 
difference  between  the  price  each  of  them 
actually paid to DBS for the services, and the 
cheapest  price  they  could  pay  for  those 
services. In addition, the additional petitioner 
asks  the  Court  to  order  DBS  to  offer  and 
provide  its  services  to  every  claimant  on  the 
same  terms  and  present  them  in  its  various 
publications.  In  September  2015,  the  Court 
ruled that the two lawsuits would be defined as 
related cases and in November 2015 ordered 
the  consolidation  of  the  hearing  on  the  two 
motions for approval.  
With  the  consent  of  the  parties,  the  Court 
decided  to  delay  the  hearing  of  the  case  in 
view  of  a  parallel  delay  that  occurred  in 
parallel cases against other defendants when 
a  requesy  for  transfer  of  the  hearing  of  the 
motions to the other Court is pending.  
In its decision of March 2018 on the motions 
for approval of the hearing arrangements, the 
Court  ruled  that  the  proceedings  against  all 
media  companies,  including  the  television 
companies and the applications against DBS, 
will  be  heard  jointly  and  set  procedures  for 
clarifying the motions for approval. In addition, 
after  the  parties  to  the  proceeding submitted 
summaries on their behalf to the Court, in July 
2018  a  hearing  was  held  on  all  motions  for 
approval  against  all  media  companies,  in 
which  the  Court  advised  the  applicants  to 
consider  a  rewarded  departure  from  the 
motions  for  approval,  and  ruled  that  to  the 
extent 
is  not 
received  by  September  2018,  a  decision  will 
be  given  by  the  Court  in  the  motions  for 

recommendation 

that 

the 

80  

For material reporting and material thresholds, see section 2.18.  

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Date 

Sides 

Court 

Type of 
proced
ure 

Details 

Amount of 
claim / 
remedies 

approval.  In  November  2018,  as  no  further 
notice was filed in the matter, the Court ruled 
that  the  case  would  be  transferred  for  a 
decision  on  the  motions  for  approval.  In 
December 2019, a ruling was received in the 
Tel  Aviv-Yafo  District  Court  rejecting  all 
motions for approval. 
In  January  2020,  the  applicants  in  the  First 
Motion filed an appeal against the judgment to 
the High Court. 
In February 2021 as part of a hearing on the 
first  appellant's  appeal,  and  on  the  other 
appeals conducted jointly with this appeal, the 
High  Court 
the 
recommended 
appellants,  including  the  first  appellant,  to 
withdraw the appeal on their behalf, without an 
order  for  expenses.  Following  this,  the  first 
applicant  announced  the  withdrawal  of  the 
appeal on its behalf. On February 16, 2021 the 
partial judgment of the High Court was given, 
ordering  the  striking  out  of  the  appeal  of  the 
first petitioner without an order for expenses. 

to  all 

For  details  regarding  an  indictment  filed  in 
December 2020 by the State Attorney's Office 
(following  an  open  investigation  opened  in 
June 2017), inter alia, against the former CEO 
of DBS and its former CFO see section1.1.7. 

Motion 
for 
approv
al of 
class 
actions 

For details regarding a motion for approval of 
a  class  action  lawsuit  filed  against,  among 
other things, the former CEO of DBS and its 
former  CFO,  in  connection  with  a  2015 
transaction  in  which  Bezeq  acquired  the 
remaining  shares  of  the  DBS  shares  held 
thereby  from  Eurocom  DBS,  see  section 
2.18.1. 

The 
Jerusal
em 
District 
Court 

In the 
Distric
t 
Court 
(Econ
omic 
Depar
tment) 
in Tel 
Aviv 

Tel 
Aviv 
Distric
t 
Court 

Motion 
for 
disclosu
re of 
docume
nts 
before 
submitti
ng a 

For details regarding a motion for disclosure 
of documents before submitting a motion for 
approval of a derivative claim in accordance 
with  Article  198A  of  the  Companies  Law 
against  Bezeq  and  DBS,  for  disclosures  of 
certain documents in connection with a 2013 
DBS  and  Space  stakeholder  transaction  as 

149

b. 

 Dece
mber 
2020 

c. 

 June 2017 

d. 

 July - 
August 
2017 

Bezeq 
sharehol
ders 
vs. 
Bezeq, 
Chairma
n of the 
Board of 
Bezeq, 
member
s of the 
Board of 
Bezeq, 
as well 
as 
member
s of the 
Euroco
m Group 
and vs. 
the 
(former) 
CEO of 
Bezeq 
and 
CEO 
(former) 
and 
CFO of 
DBS 

Bezeq 
sharehol
ders 
against 
Bezeq 
and 
DBS  

 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

Date 

Sides 

Court 

e. 

 June 
2018 

Tel Aviv 
District 
Court 
(Econo
mic 
Depart
ment) 

Bezeq 
shareho
lders 
against 
Bezeq, 
DBS 
and the 
former 
controlli
ng 
shareho
lders of 
Bezeq 

Type of 
proced
ure 
motion 
for 
approval 
of a 
derivativ
e claim 
in 
accorda
nce with 
Article 
198A of 
the 
Compan
ies Law  
Reques
t for 
disclosu
re and 
review 
of 
docume
nts 
under 
section 
198A of 
the 
Compa
nies 
Law 

Details 

Amount of 
claim / 
remedies 

amended  in  2017  (Space  Agreement)  See 
section 2.18.1 subsection h. 

the 

For  details  regarding  a  motion  for  disclosure 
of  documents  prior  to  filing  a  motion  for 
approval  of  a  derivative  claim  in  accordance 
with  Article  198A  of  the  Companies  Law, 
which  were  filed  by  shareholders  against 
Bezeq,  DBS, 
controlling 
shareholder in Bezeq, Mr. Shaul Elovich, and 
his  son,  Mr.  Or  Elovich  for  the  delivery  of 
documents and information in connection with 
the breach of the fiduciary, fairness and trust 
obligations  of  Elovich  in  connection  with  the 
sale of Bezeq shares on February 2, 2016 by 
the Company, see section 2.18.1, subsection 
i. 

former 

5.17.2. Legal proceedings completed during the reported period or until the date of publication 

of the report 

  Date 

Sides  Court 

of 
filing 
the 
claim 

Septe
mber 
2014 

Client 
again
st 
DBS 

Distric
t (Tel 
Aviv) 

Type 
of 
proced
ure 

Moneta
ry 
claim 
togethe
r with a 
motion 
to 
recogni
ze it as 
a class 
action  

Details 

The amount of 
the original 
claim (NIS million) 

NIS  402  million 
(plus  a  remedy 
that  the  Court  is 
asked 
to 
determine  at  its 
discretion). 

the 

Court 

it  and 

Allegation  regarding  the  sending  of 
electronic advertisements by DBS to its 
customers, which allegedly was done in 
violation  of  Article  30A  of 
the 
Communications  Law,  violation  of  the 
rules  of  DBS’s  license  and  violation  of 
its 
the  agreement  between 
sought 
customers.  The  plaintiffs 
redress 
for 
from 
inconvenience,  harassment, 
loss  of 
time, etc., caused to DBS customers as 
well  as  relief,  the  amount  of  which  will 
be  determined  at  the  discretion  of  the 
Court, for enrichment of DBS as a result 
of sending these messages. 
In  June  2019,  the  Court  approved  the 
filing  of  the  lawsuit  as  a  class  action. 
The motion was approved in respect of 
non-pecuniary  damage  only,  when  the 
the 
applicants' 
existence  of  pecuniary  damage  were 
rejected. 
In June 2020, a ruling was given by the 
High Court, according to which, prior to 
the  approval  decision,  the  applicants 

regarding 

claims 

150

 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

  Date 

Sides  Court 

of 
filing 
the 
claim 

Type 
of 
proced
ure 

Details 

The amount of 
the original 
claim (NIS million) 

for 
will  withdraw 
approval and will be paid compensation 
in the amount of NIS 100,000. 

the  motion 

from 

5.18. Goals and strategy 

5.18.1. DBS's  goals  are  to  maintain  market  share,  while  maintaining  DBS's  business  and 
competitive position in the field and Yes’s brand status as a leading communications 
brand, and continuing to take streamlining and synergy measures with Pelephone and 
Bezeq International. 

As of 2019, DBS has been implementing a migration plan from satellite broadcasts to the 
Internet (OTT) in a long-term gradual procedure that is expected to be spread over a period 
of  up  to  about  7  years  (early  2026),  in  accordance  with  the  decision  of  the  Boards  of 
Directors of DBS and Bezeq. The said decisions were made in light of the trends in the 
television content market, which include lowering entry barriers, entry of new players and 
establishing  OTT  broadcast  technologies,  changing  the  value  chain  and  changing 
consumption habits, along with the differences between old satellite broadcast technology 
and  OTT  broadcast  technology,  changing  the  value  chain  and  changing  consumption 
habits, along with the differences between the old satellite transmission technology and the 
OTT  transmission  technology  on  the  benefits  inherent  in  it  (also  paying  attention  to  the 
aspects  of  equipment,  obligations  and  content  rights).  In  accordance  with  the  decision, 
DBS  will  regularly  monitor  market  conditions,  competition  and  the  technological 
environment, and will frequently  examine the applicability of the outline and the  need, if 
any,  to  make  changes  to  it,  the  pace  of  implementation  or  the  manner  in  which  it  is 
implemented,  taking  into  account  its  customer  needs  as  well  as  regulatory  amd  other 
obligations of DBS. 

Since  this  is  the  implementation  of  an  outline  for  the  transition  in  a  multi-year  gradual 
procedure, with ongoing monitoring, there is no certainty, at this stage, regarding the actual 
duration of the process and / or that the move will be completed and such a transition will 
be made. As the transition is completed, it is expected to lead to savings in DBS expenses 
and a better adaptation to changing market conditions. 

As of the date of approval of the statements, the rate of DBS subscribers using the Services 
Yes+ and StingTV transmitted via the Internet (as stated in the sections5.2.1.1 and 5.2.2 
above) is about 25%81 of all DBS subscribers. 

5.18.2. In order to achieve the aforementioned goals, along with actions to reduce expenses, 
DBS  invests  considerable  efforts  in  the  areas  of  marketing  and  sales  and  in  an 
appropriate  marketing  strategy  designed  to  further  recruit  existing  subscribers  and 
retain existing subscribers; Continuous improvement in the subscriber service system; 
Upgrading customer value propositions, creating differentiation and originality in the 
content of its broadcasts; Offering a variety of products (both low cost and premium), 
increasing the volume of content purchased by each subscriber and expanding the 
added  value  services  of  DBS;  As  well  as  investment  in  the  development  and 
implementation  of  advanced  technologies,  advanced  customer  interfaces  and  new 
services;  These  efforts  include  the  pursuit  of  DBS  to  implement  the  outline  of  the 
transition to OTT services while increasing the penetration rate of advanced services 
among subscribers in a way that will increase DBS revenue and subscriber loyalty to 
DBS services. 

5.18.3. DBS's  objectives  as  stated  above,  including  with  respect  to  the  transition  outline 
described above, are forward-looking information, as defined in the Securities Law, 
based,  inter  alia,  on  DBS's  Management's  assumptions,  estimates  and  forecasts 
regarding  the  current  trend  in  the  broadcasting  market,  regarding  competition, 
business  developments,  consumption  habits,  the  technological  environment,  the 
regulatory environment and the manner of regulation (both on DBS and other parties) 
both in the satellite broadcasting market and in the Internet television broadcasting 

81 This rate also includes subscribers who also use satellite services. 

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market  (OTT),  also  paying  attention  to  the  restrictions  that  apply  and  will  apply  to 
Bezeq,  which  affect  DBS.  However,  the  predictions  of  the  DBS  Management,  its 
preparations, objectives and the above outline may not materialize, or materialize in 
a  materially  different  manner,  in  view  of  changes  in  demand  in  the  broadcasting 
market,  in  view  of  the  intensification  of  competition  in  this  field  or  in  its  alternative 
fields,  in  view  of  change  in  technologies  and  in  consumption  habits,  in  view  of  the 
pace  of  development  of  market  browsing  rates,  in  view  of  regulatory  restrictions 
imposed or imposed on DBS, or its collaborations with Bezeq and other parties in the 
field, and in view of how the field will be regulated both in relation to licensees and in 
relation to those who do not have licenses. 

5.19. Discussion of risk factors 

The following are the threats, weaknesses and other risk factors of DBS (“the Risks") arising from 
its general environment, from the industry and from the unique characteristics of its activities. 

5.19.1. Macro Risks 

5.19.1.1  Financial Risks - a significant portion of DBS's expenses and investments 
are  made  in  US  dollars  (mainly  content,  satellite  segments,  purchase  of  end 
equipment  and  other  logistics  equipment).  Therefore,  sharp  exchange  rate 
changes have an effect on DBS's business results. 

5.19.1.2  Recession / economic slowdown - an economic slowdown in the economy, 
an increase in unemployment rates and a decrease in disposable  income may 
lead  to  a  decrease  in  the  number  of  DBS  subscribers,  a  decrease  in  DBS 
revenues and damage to its business results. 

5.19.1.3  Security  situation  -  an  ongoing  deteriorating  security  situation  in  large 
areas  of  Israel,  which  disrupts  the  daily  lives  of  the  residents,  could  lead  to  a 
deterioration in the business results of DBS. 

5.19.1.4  Pandemic - at the beginning of 2020, an outbreak of the COVID-19 virus 
began in the world. Subsequently, DBS monitors developments in connection with 
the consequences of the COVID-19 pandemic and the legislative restrictions that 
followed,  which  have  affected  and  are  affecting  its  business  activities.  These 
consequences are manifested and may be manifested,  inter alia, in damage to 
the  supply  chain  (including  streamers)  and  in  the  customer  service  and  sales 
system. As of the date  of the report, no  material decrease in DBS revenues  is 
expected  which can  be  attributed to the consequences of this outbreak. At  the 
same  time,  naturally,  this  is  a  variable  incident  that  is  not  under  the  control  of 
DBS,  and  therefore  the  continuation  of  the  COVID-19  pandemic  and  its 
aggravation and / or decisions of countries and authorities in Israel and around 
the world in this regard, may affect DBS accordingly. 

5.19.2. Industry risks 

5.19.2.1  Dependence  on  licenses  -  DBS  satellite  TV  broadcasts  are  provided  in 
accordance  with  the  broadcasting  license  and  through  additional  licenses,  and 
therefore depend on the existence of these licenses and their extension from time 
to time. Violation of the provisions of the licenses, as well as the provisions of the 
law  by  virtue  of  which  the  licenses  were  granted,  may  result,  subject  to  the 
conditions set forth in the licenses, to revoke, change, suspend or not extend the 
licenses and consequently materially impair DBS's ability to continue operating in 
the field. 

5.19.2.2  Regulation  -  the  provision  of  satellite  television  broadcasts  is  subject  to 
the obligations and limitations set forth in the legislation as well as to the licensing 
regime,  supervision  and  approvals  by  various  regulatory  bodies,  and  may 
therefore be affected and limited in light of policy considerations dictated by these 
bodies  and  their  decisions  (see  section  5.15).  Regulatory  changes  may  affect 
DBS  activity  and  may  materially  impair  its  financial  results.  The  OTT  services 
including  those  of  DBS  are  not  monitored,  as  of  the  date  of  the  report  (for  the 
possibility of arranging these services, see section 5.15.2). Continued activity of 
content providers (and the entry of additional providers) via the Internet as stated 
in the section5.1.1 without the application of regulatory rules to their activities and 
/ or without appropriate amendment of the regulatory rules applicable to broadcast 
license  holders,  may  materially  impair  the  financial  results  of  DBS.  In  addition, 

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DBS's  activity,  as  a  company  that  provides  services  to  the  public,  is  subject, 
among other things, to legislation in the field of consumer protection as well as to 
the laws of protection of privacy and information security (see section1.7.4.5). 

5.19.2.3  Fierce competition - the field is characterized by fierce competition with a 
variety  of  different  competitors  (see  section  5.1.75.6),  and  changing  consumer 
preferences in a way that requires DBS to constantly and continuously invest in 
recruiting  and  retaining  customers  and  dealing  with  high  transfer  rates  of 
subscribers between companies. For the characteristics of the competition, see 
section5.6. 

5.19.2.4  Technological  developments  and 

technological 
improvements and the development of new technologies that will make existing 
technology inferior, may require DBS to make large financial investments in order 
to maintain its competitive position (see section5.1.1). 

improvements 

- 

5.19.2.5  Alternative infrastructure for multi-channel broadcasts - the activity of the 
DTT  system,  and  in  particular  its  expansion,  as  well  as  the  deepening  of  the 
intrusion of OTT operators, may harm the financial results of DBS (see section 
5.1.1). 

5.19.2.6  Unauthorized viewing - the field of broadcasts is exposed to the "pirated" 
connection  of  viewers  to  the  reception  of  the  broadcasts,  without  paying  a 
subscription fee, and is also exposed to the public's access to content in which 
the broadcaster has rights. 

5.19.2.7  Exposure to class actions - there is exposure to class actions in significant 

amounts. 

5.19.3. Special risks for DBS  

5.19.3.1  Limitations  as  a  result  of  the  ownership  structure  -  DBS  is  limited  in  its 
cooperation  with  Bezeq  in  relation  to  the  offer  of  a  basket  of  communications 
services  in  a  manner  that  materially  affects  DBS's  business  situation  and  its 
competitive capabilities (see section 5.15.2). 

5.19.3.2  Restrictions  as  a  result  of  the  eligibility  conditions  -  "cross"  holdings  of 
holders, directly or indirectly, in DBS, as well as a decrease in the holding rate of 
Israeli citizens or residents in DBS, may lead to non-compliance with the eligibility 
conditions  of  its  broadcasting  license  (including  in  light  of  the  Israeliness 
requirement (see section 5.15.1.1). 

5.19.3.3  Maintaining a sufficient cash flow - DBS must maintain a sufficient cash 
flow for the purpose of meeting its business plan. The lack of sufficient cash flow, 
including  through  investment  or  financing  from  Bezeq,  may  adversely  affect 
DBS's business and DBS's ability to increase the penetration rate of advanced 
services, as well as make it more difficult for it to deal with competitive threats in 
view  of  technological  developments  and  changes  in  consumption  habits  in  the 
field. 

According to DBS, it is expected to continue to accumulate operating losses in 
the coming years and therefore without Bezeq’s support it will not be able to meet 
its obligations and continue to operate as a going concern. According to DBS, the 
sources of financing available to it, which include, inter alia, the working capital 
deficit and the credit and  Bezeq’s  investment framework in capital as stated in 
sectionError! Reference source not found., will meet the needs of DBS activity 
for the coming year. 

5.19.3.4  Satellite  failure,  damage,  unavailability  or  termination  of  service  of  the 
satellite - DBS transmissions are made using space segments of satellites located 
at the same point in space. Failure to operate one of the satellites, damage to one 
of  them  or  unavailability  of  space  segments  in  any  of  the  satellites,  including 
unavailability of a new satellite intended to replace a previous satellite that has 
ceased to transmit or provide services to DBS or termination of segment leasing 
in any of the satellites may significantly disrupt and reduce the volume of satellite 
broadcasts via satellite, unless an alternative is found to the segments of space 
that are not available as aforesaid and also in view of the lapse of time until the 
implementation  of  such  an  alternative.  However,  the  duplication  of  satellites 
through which transmissions are made to subscribers as of the date of this report, 

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also  taking  into  account  the  partial  backup  mechanisms  set  forth  in  the  Space 
Agreements (the quality and scope of which depend on the identity of the backed 
satellite),  significantly  reduces  the  risk  of  damage,  failure  or  unavailability,  and 
improve the survivability of the bulk of the broadcast. In the event of the availability 
of such satellite, it will be possible, through space segments available to DBS on 
the other satellite, to broadcast the main channels broadcast by DBS, but not all 
the channels broadcast (for the Space Agreement, including backup mechanisms 
determined  under  it,  see  section  5.16).  However,  according  to  DBS,  the  said 
duplication  of  satellites  is  expected  to  end  in  early  2022,  and  from  that  period 
onwards, DBS will operate with one satellite - see section 5.1682. DBS does not 
have insurance for loss of revenue caused by satellite failure. Termination of the 
receipt of the satellite services, for any reason (including due to the end of the 
agreement  period),  prior  to  the  completion  of  the  outline  of  the  transition  to 
transmission via the Internet in relation to a substantial part of DBS subscribers 
may result in damage to DBS revenues. 

The progress of the process of switching to or accelerating transmission via the 
Internet  may  reduce  the  vulnerabilities  mentioned  above  involving  the  failure, 
damage, unavailability or termination of satellite services. 

The  assessment  of  DBS  as  stated  in  this  paragraph  above  is  forward-looking 
information. This assessment is based on the provision of space segments and 
the  implementation  of  space  backup  mechanisms  and  space  assessments  in 
relation to the useful life of satellites, the beginning of the activity of new satellites, 
the end of the activity of existing satellites and the  exercise of contracts83. This 
assessment may not materialize or be partially or otherwise materialized if there 
is a change in the useful life of the satellites and the exercise of their lease option 
or if space does not provide the BBC with alternative segments in the event of 
unavailability or failure of the space segments or satellites. 

5.19.3.5  Dependence on the owner of the rights in the space segments - DBS has 
a  substantial  dependence  on  Space,  as  the  sole  rights  holder  and  the  sole 
supplier of the space segments used by DBS, which is also responsible for the 
operation  of  the  space  segments.  In  relation  to  Amos  7,  the  supply  of  the 
segments of space also depends on the third party who owns the satellite and the 
body  responsible  for  its  operation,  with  whom  Space  has  contracted  (see 
section5.16 and on the realization of its engagement with  Space in relation to 
this satellite until the end of the period determined in a manner that will allow the 
continued leasing of the segments of space on this satellite. 

5.19.3.6  Dependence on software suppliers, equipment, content, infrastructure and 
services - DBS has dependence on software vendors and equipment, as well as 
on  certain  content  vendors  (see  section  5.8.2)  and  receipt  of  certain  services, 
including broadcast encryption services (see section 5.8.5). Failure to receive the 
products and services provided by them may impair the functioning of DBS and 
its  results.  In  addition,  inability  to  purchase  streamers  or  receiving  support 
services from current providers, is expected to involve a period of preparation that 
will be required to make the alternative engagement and change their supply and 
support system. 

5.19.3.7  Impairment  of  the  activity  of  the  broadcasting  centers  and  the  logistics 
center  -  Impairment  of  the  activity  of  the  broadcasting  center  may  cause  a 
significant limitation in the continuation of the broadcasts, but decentralization of 
broadcasts to two broadcasting centers (in Kfar Saba and the Ella Valley) partially 
reduces the risk of damaging one of them. In the event of damage to one of the 
broadcasting centers, DBS will be able to continue to broadcast from the other 
broadcasting center only part of its channels as part of the satellite broadcasts, 
with this limitation being more significant in the event of damage to the Kfar Saba 
site. In the current format of satellite broadcasts. In the event of a cessation of 
activity on the Kfar Saba site, no services will be allowedOTT, and in the event of 
the termination of the activity of the secondary site, the main activity of the OTT 
services  will  be  made  possible  through  the  Kfar  Saba  site.  Each  transmission 
center has the same encryption system, and therefore there is also a backup for 
the  encryption  system  in  the  event  of  a  damage  to  one  of  the  transmission 

82 See footnote 72. 
83 And see also footnote 72. 

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centers. Damage to the DBS logistics center may also disrupt its operations, in 
particular the installation and maintenance of end equipment. 

The  assessment  of  DBS  as  stated  in  this  paragraph  is  forward-looking 
information. This assessment is based on the provision of the provider services 
that  operate  the  secondary  broadcasting  site  in  the  event  of  an  injury  to  the 
broadcasting  center  in  Kfar  Saba.  This  assessment  may  not  materialize  or 
partially or otherwise materialize if DBS is not allowed to receive the services of 
the said provider in full and properly. 

5.19.3.8  Failure  of  DBS’s  computer  systems  -  significant  failure  of  DBS's  major 
computer systems could significantly impair DBS's operational capacity. DBS has 
a  remote  backup  site  designed  mainly  for  storing  information  and  providing  a 
limited  internal  computing  service  in  case  of  failure,  but  major  and  significant 
operational capabilities of DBS will not be able to be realized without the proper 
operation of the computer systems at the site in Kfar Saba. 

5.19.3.9  DBS's  assessment  in  relation  to  the  backup  capability  as  stated  in  this 
paragraph  is  forward-looking  information.  This  estimate  is  based  on  the 
functionality of the remote backup site. This assessment may not materialize or 
partially or otherwise materialize if such functionality is not possible. 

5.19.3.10 Cyber risks - DBS is exposed to the risk of the occurrence of an activity 
intended to harm the use of a computer or computer material stored on it ("cyber 
attack"). Such attacks can disrupt business, cause theft of information / money, 
damage  databases  and  subscriber  privacy,  damage  to  reputation,  damage  to 
systems  and  leak  information.  As  a  leading  company  in  the  field  of  subscriber 
television broadcasting, DBS is a target for cyber attacks and experiences cyber 
attacks, which are handled by it. 

DBS implements protection policies that include layers of protection ranging from 
a layer of procedures and policies to a physical layer of security systems operated 
in  a  configuration  that  combines  effective  security  with  the  operating  needs  of 
DBS in order to protect its infrastructure and systems and reduce the illegal use 
of its resources. 

Despite DBS's investments in measures to reduce such risks, DBS is unable to 
guarantee  that  these  measures  will  succeed  in  preventing  damage  and  /  or 
disruption to the systems and information related to them. 

5.19.3.11 Technical limitation that prevents the offering of integrated services - DBS 
infrastructure  suffers  from  technical  limitations  compared  to  Hot  infrastructure. 
The  technical  limitation  prevents  DBS  from  providing  telephony,  Internet  and 
various  interactive  services,  including  VOD,  on  its  satellite  infrastructure,  and 
therefore their supply depends on third parties. 

5.19.3.12 Defects  in  the  encryption  system  or  its  bypass  –  DBS’s  broadcasts  via 
satellite  and  via  the  Internet,  are  based  on  the  encryption  of  the  broadcasts 
transmitted by it, including the encoding of its satellite broadcasts using the "smart 
cards" installed in the decoders in the subscriber houses. Defects in its encryption 
system  or  hacking  or  bypassing  it  may  allow  free  viewing  of  DBS  broadcasts, 
thereby  leading  to  a  decrease  in  revenue,  as  well  as  a  breach  of  agreements 
between DBS and its content providers. 

5.19.3.13 Lack of exclusivity in the field of frequencies - the field of frequencies used 
by DBS to  transfer satellite transmission from the transmission satellites to  the 
reception  dishes  installed  in  the  subscribers'  homes,  and  which  has  been 
allocated  under  a  license  by  the  Ministry  of  Communications,  is  defined  as  a 
frequency range that an Israeli entity that may make authorized use of in the field 
of  frequencies.  If  the  holder  of  the  main  allotment  uses  the  above-mentioned 
frequencies,  disruptions  in  the  quality  of  the  DBS  broadcasts  and  /  or  the 
availability  of  the  broadcasts  to  the  subscriber  may  result  in  damage  to  the 
financial  results  of  DBS.  As  of  the  date  of  this  report,  to  the  best  of  DBS's 
knowledge, no holder of the main allotment used the said frequencies in a manner 
that caused actual and / or persistent interruptions in DBS broadcasts. 

5.19.3.14 Interference for transmissions - since DBS transmissions via satellite are 
transmitted wirelessly from the transmission centers to the transmission satellites 
and from there to the reception dishes in the subscribers' houses, transmission of 

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wireless signals, in the same frequency range, whether originating in Israel and 
abroad, and extreme weather conditions of heavy rain, hail or snow may cause 
disruptions  in  the  quality  and  /  or  availability  of  the  broadcasts  via  the  satellite 
provided by DBS to the subscriber and material damage to its financial results. In 
relation to broadcasts via the Internet, there may be disruptions in the quality and 
/ or availability of the broadcasts as a result of disruptions or unavailability of the 
Internet infrastructure. 

5.19.3.15 Labor  relations  -  DBS  is  a  party  to  a  collective  agreement  with  the 
Histadrut  and  the  Employees’  Committee,  which  may  reduce  its  administrative 
flexibility (see section 5.11.3). In addition, the implementation of manpower plans 
may cause unrest in labor relations and impair the day-to-day operations of DBS. 

5.19.3.16 Streamlining  procedures  -  DBS  implements  streamlining  plans  that 
involve,  among  other 
resources, 
organizational  changes  and  the  reduction  of  the  workforce,  in  parallel  with  the 
management  of  significant  infrastructure  and  other  projects.  Streamlining 
procedures,  by  their  nature,  carry  with  them  the  risks  of  loss  of  knowledge, 
turnover of employees, shift of managerial focus, and so on. 

the  sharing  of  management 

things, 

5.19.3.17 Delay in improving internet browsing speeds - as Bezeq’s outline for the 
transition to OTT broadcasting (see section0) is also based on an improvement 
in  Internet  browsing  speeds,  nationwide,  failure  to  improve  browsing  speeds 
through the deployment of fiber optics or through the implementation of another 
technological solution, by Bezeq or other communications operators, can delay 
the implementation of the layout or impair its implementation. 

DBS assessments as to the browsing speeds required to enable OTT broadcasts 
as designed in an outline in a way that enables the operation of several converters 
in a customer's home is forward-looking information. These estimates are based 
on the expected development  in  browsing speeds, taking  into account, among 
other things, the expected needs of customers' homes and the expected mix of 
broadcasts. These assessments may not materialize or materialize differently if 
there  is  a  delay  in  improving  Internet  browsing  rates  or  a  change  in  customer 
needs or DBS. 

Below  is  a  presentation  of  the  risk  factors  according  to  their  influence  in  the 
opinion  of  the  DBS’s  Management.  It  should  be  noted  that  the  following  DBS 
assessments regarding the extent of the risk factor's impact on DBS reflect the 
extent of the risk factors’ impact in assuming the materialization of the risk factor, 
and the aforesaid does not express any assessment or give any weight to such 
prospects. In addition, the order in which the risk factors appear above and below 
is  not  necessarily  according  to  the  risk  inherent  in  each  risk  factor  or  the 
probability of its occurrence.84: 

Risk Factors Summary Table - Multi-Channel TV  

Macro risk 
Financial risks 
Recession / economic slowdown 
Security situation 
Pandemic 
Industry risk 
Dependence on licenses 
Changes in regulation 
Fierce competition 
Technological developments and changes 
Alternative infrastructures  
Unauthorized viewing  
Exposure to class actions 

The degree of influence 
Medium  Small 
High 

X 
X 

X 
X 
X 

X 

X85 

X 
X 
X 
X 

84   See footnote 45. 
85   The extent of the effect of this risk factor on DBS activity was classified as  moderate, assuming that the event 

would be limited in scope and time. Otherwise, the degree of impact may be large. 

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The degree of influence 
Medium  Small 
High 

Unique risk 
Limitations as a result of the ownership structure 
Restrictions due to eligibility conditions 
The need to maintain a sufficient cash flow 
Satellite failure and damage 
Dependence on the supplier of space segments 
Dependence  on  software,  content,  equipment  and 
infrastructure vendors 
Impairment of the activity of the broadcast centers  
Failure of computer systems 
Cyber failures 
Technical  limitation  that  prevents  the  offer  of 
integrated services 
Encryption system failure 
Lack of exclusivity in frequencies 
Interference with transmissions 
Work relations 
Efficiency procedures 
Delay in improving internet browsing rates  

X 
X 
X 
X 
X 

X 
X 
X 

X 

X 

X 

X 

X 

X 

X 

X 

The information contained in this section 5.19 and DBS's assessments regarding the 
impact  of  risk  factors  on  DBS's  activities  and  business,  are  forward-looking 
information as defined in the Securities Law. The information and assessments are 
based  on  data  published  by  the  regulatory  bodies,  on  DBS’s  assessments  of  the 
market  situation  and  its  competitive  structure,  on  possible  developments  in  the 
Israeli market and economy, and on the factors specified in this section above. The 
actual  results  may  differ  materially  from  the  estimates  given  above  if  there  is  a 
change in one of the factors taken into account in these estimates. 

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6. 

The Company 

6.1.  Funding 

6.1.1.  The Company's bonds 

For details about the bonds issued by the Company See Note 14 to the 2020 statemtns 
and Section 4 of the Board of Directors' Report.  

6.1.2.  Credit rating  

As of August 13, 2020, the Company's bonds are not rated in any rating. On the eve of the 
termination of  the rating,  the rating of the Company's  bonds (Series C) by  Midroog was 
Caa2.il, with a stable rating horizon. 

6.2.  Legal proceedings 

6.2.1.  On  June  2,  2020,  the  Company  and  former  directors  of  the  Company  signed  a 
settlement agreement as part of the Horev claim, according to which the directors will 
pay an amount of NIS 2.5 million (hereinafter "the directors settlement amount") to 
the Company. On July 2020, the district  Court approved the settlement agreement, 
and the directors' insurance paid the company the full directors’ settlement amount. 
As part of the settlement, the Company paid the derivative plaintiff and his attorney a 
total of NIS 720,000. The net amount received by the Company is charged directly to 
the Company's shareholders' equity under the loss balance item. 

6.2.2.  On August 10, 2020, the Court in New York (the New York Southern District District) 
the  settlement  in  the  class  action  lawsuit  filed  against  the  Company,  according  to 
which, among other things, the insurance company that insured the Company paid a 
total of USD 1.2 million. See the Company's immediate report dated August 12, 2020 
(Reference No. 2020-02-087540). 

6.2.3.  On  September  14,  2020,  a  settlement  agreement  was  completed  in  a  derivative 
lawsuit against the Company in connection with claims regarding the distribution of a 
dividend of NIS 113 million by the Company, of which approximately NIS 73 million 
was paid to Internet Gold - Gold Lines Ltd. ("Internet Gold"). In 2016. As part of the 
settlement agreement, the Company received bonds (Series C) of the Company worth 
approximately  NIS  22  million  (principal  and  accrued  interest)  which  were  held  by 
Internet Gold, in exchange for waiving the claim against Internet Gold. The Company 
also paid the derivative plaintiff a total of approximately NIS 4.23 million for expenses, 
attorneys' fees and remuneration. 

6.2.4.  In  November  2020,  a  claim  was  filed  with  the  Tel  Aviv  District  Court  (Economic 
Department)  accompanied  by  a  motion  for  approval  as  a  class  action  by  a  private 
person  who  claims  to  be  a  shareholder  of  Bezeq  ("the  Applicant")  against  the 
Company, Bezeq and members of Bezeq’s Board of Directors ("the Respondents"). 
The  matter  of  the  motion  is  the  approval  of  a  class  action  for  compensation  of  the 
Applicant and the members of the represented group for damages caused to them, 
according to the motion, "due to Bezeq's failure to report and disclose to the Tel Aviv 
Stock Exchange (hereinafter: "TASE") and the concealment of material information 
from investors, in connection with a public report on "the Ministry of Communications' 
moves to eradicate the phenomenon of dual subscribers in the field of ISP Internet 
services,  on  the  extensive  and  substantial  scope  of  the  phenomenon  of  dual 
subscribers in the Bezeq International subsidiary (hereinafter: "Bezeq International") 
and their material negative impact on the business of the subsidiary and Bezeq". The 
definition of the group according to the motion is anyone who purchased the Bezeq 
shares from August 17, 2020 until October 30, 2020 and held the above shares or 
some of them on October 30, 2020, except for the respondents and / or those on their 
behalf and / or entities related to them. In the application, the damage caused to the 
group members as a result of the incidents that are the subject of the lawsuit amounts 
to approximately NIS 55 million to NIS 65 million, based on an expert opinion attached 
to the motion. 

6.2.5.  In  November  2020,  a  lawsuit  was  filed  in  the  Tel  Aviv  District  Court  (Economic 
Department) with motion for approval as a class action by a private individual ("the 
Applicant")  who  claims  is  a  shareholder  of  the  Company  who  claims  to  hold  the 
Company's  shares  and  Bezeq  shares,  against  the  Company,  Bezeq  and  72  other 

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respondents,  which  include  past  and  present  officers  in  the  two  companies  ("the 
Respondents").  The  matter  of  the  application  is  the  approval  of  a  class  action  for 
compensation  of  the  Applicant  and  the  members  of  the  represented  groups  for 
damages caused to them, as alleged in the motion, as a result of the Respondents' 
actions  and  omissions  when  they  refrained  from  disclosing  to  the  investing  public 
seemingly  material  information  that  they  had  to  disclose  in  accordance  with  the 
provisions of the law, in connection with the two companies' report dated November 
9,  2020  according  to  which  Bezeq  International  books  have  unexplained  net  asset 
balances  (deductible)  of  tens  of  millions  of  NIS,  whin  a  significant  portion  of  them 
otiginate,  apparently,  in  past  periods  of  more  than  15  years.  The  definition  of  the 
groups  according  to  the  motion  is:  (a)  Anyone  who  purchased  Bezeq  shares  from 
November 8, 2005 to November 9, 2020, except the Respondents or those on their 
behalf and (b) Everyone who purchased the Company's shares on the Tel Aviv Stock 
Exchange from November 8, 2007 to November 9, 2020, except the Respondents or 
those  on  their  behalf.  The  amount  of  the  class  action  specified  in  the  statement  of 
claim  is  "over  NIS  2.5  million  (for  matters  of  substantive  authority)"  when  in 
accordance with the economic opinion that was attached to the motion, "the estimate 
for the drop in the price of the security" in respect of the information included in the 
immediate report dated November 9, 2020 is 5.26%-5.40% in relation to Bezeq and 
9.07% - 9.36% in relation to the Company. 

__________________________________ 
B Communications Ltd. 

March 24, 2021 
Date 

The names of the signatories and their functions: 
Darren Glatt, Chairman of the Board 
Tomer Raved, CEO and Director 

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7.  Appendix A - Glossary 

A. Names are abbreviated according to the legislation that appear in the report  

Consumer 
Protection Law 

Economic 
Competition Law 

-  Consumer Protection Law, 5741-1981 

-  Economic Competition Law, 5748-1988 

Companies Law 

-  Companies Act, 5769-1999 

Non-Ionizing 
Radiation Law 

-  The Non-Ionizing Radiation Law, 5776-2006 

Centralization Law 

-  Law for the Promotion of  Competition and the  Reduction  of Centralization, 

Second Authority 
Law 

Planning and 
Construction Law 

Communications 
Law 

5774-2013 

-  Second Television and Radio Authority Law, 5755-1990 

-  Planning and Construction Law, 5725-1965 

-  The Communications (Bezeq and Broadcasting) Law, 5742-1982 

Securities Law 

-  Securities Law, 5728-1968 

Rules of 
communication 

Rules of Communication (Holder of a Broadcasting License), 5747-1987 

- 

Telegraph Order 

- Wireless Telegraph Order [New Version], 5732-1972 

Usage regulations 

Communications  (Bezeq  and  Broadcasting)  Regulations  (Use  of  the  Mapa 
Public Network), 5775-2014 

The media order 

- 

Communications  Order  (Bezeq  and  Broadcasting)  (determination  of  an 
essential  service  provided  by  Bezeq,  The  Israel  Telecommunications 
Company Ltd.), 5777-1997 

The Planning and 
Construction 
Regulations 
(Exemption from 
the Permit) 

Prospectus Details 
Regulations 

-  Planning  and  Construction  (works  and  buildings  exempt  from  the  permit), 

5774-2014 

-  Securities Regulations (Prospectus Details, Draft Prospectus Structure and 

Form), 5729-1969 

Reciprocal linking 

-  Communications  Regulations  (Bezeq  and  Broadcasting)  (Payments  for 

regulations 

Satellite 
Broadcasting 
License 
Regulations 

Reciprocal Linking), 5764-2000 

-  Communications  Regulations  (Bezeq  and  Broadcasting)  (Procedures  and 

Conditions for Licensing Satellite Broadcasting), 5758-1998 

B. Technological terms and other key terms appearing in the report86 

Internet Gold  

Bezeq Online  

Bezeq 
International 

- 

- 

- 

Internet Gold Gold Lines  

Bezeq online Ltd. 

Bezeq International Ltd 

86  

It should be noted  that the definitions of the terms are provided for the convenience of the reader, and are not necessarily  identical to the definitions in the 

Communications Law or its regulations.  

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BAP 

Golan telecom 

2020 statements 

Interconnectivity 
fee  

DBS 

Hot  

Hot Telecom 

Hot Mobile 

Hot-Net 

The Stock 
Exchange  

The Histadrut 

Council 

The Second 
Authority 

Walla 

space 

Eurocom DBS 

Eurocom 

Communications 

Switching  

Mbps 

NIO 

Roaming 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

Network endpoint 

- 

BAP  Communications  Solutions  (Limited  Partnership)  which  is 
controlled by Bezeq International 

Golan Telecom Ltd. 

The Company's consolidated financial statements for the year ended 
December 31, 2020  

The  interconnectivity  fee  (also  called  the  call  completion  fee)  is  a 
payment that one operator pays to another operator for a reciprocal 
link (see definition below)  

DBS Satellite Services (1998) Ltd. 

Hot Communications Systems Ltd., and corporations under its control 
that operate in the field of broadcasting (multi-channel television) 

Hot Telecom Limited Partnership 

Hot  Mobile  Ltd.  (formerly  MIRS  Communications  Ltd.)  and 
corporations under its control 
Hot-Net Internet Services Ltd. 

The Tel Aviv Stock Exchange Ltd. 

The New General Workers' Union  

Cable and Satellite Broadcasting Council 

The Second Television and Radio Authority  

Walla! Communications Ltd. and corporations under its control 

Space Communications Ltd. 

Eurocom DBS Ltd. 

Eurocom Communications Ltd. 

In the context of a communications network - a telephony system that 
supports  the  connection  of  devices  for  transferring  calls  between 
different end units  

Megabits per second; Measurement unit for data transfer speed 

National  interior  operator;  A  body  that  provides  landline  interior 
telephony services under a general or unique NIO license 

Roaming services allow a customer of one communication network 
to receive services from another communication network other than 
his "home network" (the network with the license he subscribes to), 
based on roaming agreements between the home network and the 
host network 

Network  endpoint  -  an  interface  to  which  one  is  connected,  on  the 
one  hand  a  public  Bezeq  network  and  on  the  other  hand  end 
equipment or a  private  network.  Network endpoint services include 
the  supply  and  maintenance  of  equipment  and  services  in  the 
customer's premises 

Cellcom 

Pelephone 

Partner 

- 

- 

- 

Cellcom Israel Ltd. and corporations under its control 

Pelephone Communications Ltd. 

Partner Communications Ltd. and corporations under its control 

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Interconnectivity 

- 

Mobile phone 
radio 

Unified general 
license / unified 
license 

NIO license 

Mobile Radio 
license 

Broadcasting 
license 

ILA 

Rami Levi 

Bezeq services 

Transmission 
services 

Data 
communication 
services 

Report period 

Bitstream Access 
(BSA) 

xDSL 

DTT 

GSM 

HD 

4k / UHD 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

Interconnectivity  enables  the  transmission  of  instant  messages 
between  subscribers  of  different  licensees,  or  the  provision  of 
services  by  one  licensee  to  the  subscribers  of  another  licensee; 
Interconnectivity is possible through a connection between a public 
Bezeq  network of one  licensee (for example  -  Bezeq) and a public 
network of another licensee (for example - a cellular operator); See 
also " Interconnectivity Fee" Definition 

Mobile radio telephone phone; Cellular telephony 

A general license that is one of the following or a license that unites 
several thereof: 

(1) a unique general license; 

(2) a general mobile radio telephone license in another network; 

(3) a general license for the provision of international flash services; 

(4) a special license for the provision of network endpoint services; 

(5) Special license for the provision of Internet services. 

Unique general or general license for the provision of landline interior 
Bezeq services 

General license for the provision of mobile radio telephone services - 
in the cellular method 

License for satellite television broadcasts 

Israel Lands Authority 

Rami Levy Cellular Communications Ltd. 

Performing Bezeq operations (transmission, transfer or reception of 
signs,  signals,  writing,  visual  forms,  sounds  or  information,  using 
wire, wireless, optical system or other electromagnetic systems) for 
others 

Electromagnetic signal transmission or bit sequence  

Network services for data transfer from point to point, data transfer 
between  computers  and  various  communication  networks  and 
remote business access services 

The twelve months ended December 31, 2020 

Managed broadband access that allows provider services to connect 
to the infrastructure owner network and offer broadband services to 
subscribers 

Digital  Subscriber  Line  -  technology  that  uses  the  copper  wires  of 
telephone  lines  to  transmit  data  at  high  rates  by  using  frequencies 
higher than the audible frequency and therefore allows simultaneous 
use of call and data transmission 

Digital  Terrestrial  Television-  Wireless  digital  broadcasting  of  TV 
channels via terrestrial relay stations 

Global System for Mobile Communications  - International Standard 
for Cellular Communication Networks ("2G") 

High Definition TV - High definition (broadcast) TV broadcasts 

Ultra Hi Definition - Internationally defined transmission technology, 
compared  to  pixel  image  size.  In  this  transmission  method  the 
amount  of  pixels  is  4  times  larger  (2160  ×  3840)  compared  to  HD 
transmission (1080 × 1920) 

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HSPA 

IBC 

IP 

IPVPN  

ISP 

LTE 

MVNO 

NGN 

UMTS 

VoB 

VoC 

VOD 

VoIP 

Wi-Fi 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

High  Speed  Packet  Access  -  Cellular 
technology  that  is  a 
continuation of the UMTS standard that enables data transfer at high 
speeds ("3.5G") 

ABC Israel Broadband Company (2013) Ltd.  

Internet  Protocol.  The  use  of  this  protocol  enables  convergence 
between voice (data) and contractual (video) services over the same 
network 

A  virtual  private  network  (Virtual  Private  Network)  based  on  an 
Internet Protocol (IP) which is established on the public network, and 
through which it is possible to: (a) allow end users to connect to the 
corporate  network  and  perform  remote  access;  And  -  (b)  make  a 
connection between the branches of the organization (intranet) 

Internet Service Provider - has a special license to provide Internet 
access  services  (Internet  Service  Provider).  The  Internet  access 
provider is the body that allows the end user to connect to the IP / 
TCP protocol that connects it to the global Internet network 

Long Term  Evolution - Fast WIFI  mobile standard devices such as 
cell phones 

Mobile  Virtual  Network  Operator  -  a  virtual  cellular  operator,  which 
uses  the  existing  communication  infrastructure  of  the  cellular 
operators without the need for its own infrastructure 

Next Generation Network - Bezeq's communications network based 
on IP architecture 

Universal  Mobile  Telecommunications  System  -  an  international 
standard  for  cellular  communications  that  is  a  development  of  the 
GSM standard ("3G")  

Voice Over Broadband - Telephony services and related services in 
IP technology using landline broadband access services 

Voice over Cellular Broadband - Telephony services over a cellular 
data communication channel ("Mobile VoB Services") 

Video on Demand - TV services on demand by the subscriber 

Internet  Protocol  - 

Voice  over 
the 
transmission  of voice  messages (telephony service delivery) via IP 
protocol 

that  enables 

technology 

Wireless Fidelity - Wireless access to the Internet in the local area 

163

 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2020 Periodic Report 

8.  Appendix  B  -  Financial  Indices  and  Operational  Performance  Indices  (Key 

Performance Indicators) 

General  

The indices below, which are specified in the chapters of the Company's periodic report, are financial 
indices that are not defined or detailed in generally accepted accounting principles included in the 
financial statements. The definition of the indices and / or how they are calculated may change from 
time to time, they do not constitute a substitute for indices based on accepted accounting rules and 
they may not even be calculated in the same way as parallel indices in other companies. 

Details will be provided below in relation to the aforesaid indices, including in accordance with the 
update of the decision of the Securities Authority 99-6 regarding the use of financial indices that are 
not based on generally accepted accounting rules. 

Financial Indices 

EBITDA 

(Earnings Before Interest, Taxes, Depreciation and Amortization) EBITDA is defined as profit before 
interest, taxes, depreciation and amortization. The EBITDA index is an accepted index in the field of 
the Company's activity which neutralizes aspects due to differences in the capital structure, various 
aspects of taxation and the manner and period of the reduction of fixed and intangible assets. The 
Company's  EBITDA  is  calculated  as  operating  profit  before  depreciation,  amortization  and 
impairment (ongoing losses from impairment of fixed assets and intangible assets). As of January 1, 
2019,  and  for  the  purpose  of  adequately  presenting  economic  activity,  the  Company  presents 
ongoing losses from impairment of fixed assets and intangible assets in the  DB and Walla under 
depreciation  and  amortization,  as  well  as  ongoing  losses  from  impairment  of  broadcasting  rights 
under operating expenses and general expenses (in the statement of income). 

Free flow (Free Cash Flow - FCF) 

The Company's free cash flow is calculated as cash arising from current activities less cash for the 
purchase / sale of fixed assets and intangible assets (net) and as of 2018, with the application of a 
IFRS16 standard, payments for leases are also deducted. The free cash flow index is an accepted 
index in the field of the company's activity in general and it represents the cash that the Company is 
able to produce after the investment needed to maintain or expand its asset base. 

Operational performance indices (Key Performance Indicators) 

ARPU (Average Revenue Per User) 

The ARPU reflects the average monthly income per line / subscriber / parent house and is calculated 
as the monthly average distribution of the total relevant income for the period in the average number 
of active lines / subscribers / households in that period, as applicable. It will be clarified that the Group 
has  four  main  areas  of  activity  that  correspond  to  the  corporate  division  between  the  Group 
companies and the definition of a different active subscription between the areas of activity. 

Churn rate 

The churn rate reflects the  Company's ability to retain its customer base and is calculated as the 
distribution of the number of lines / subscribers / households that disconnected from the Company's 
services during the period in the average number of active lines / subscribers / households in that 
period, as applicable. It will be clarified that the Group has four main areas of activity that correspond 
to  the  corporate  division  between  the  Group  companies  and  the  definition  of  a  different  active 
subscription between the areas of activity. 

164

 
 
 
 
 
Chapter B'  
Report of the Board of Directors on the 
state of affairs of the corporation for 
the year ended December 31, 2020

 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year 
ended December 31, 2020 

We  are  hereby  honored  to  submit  the  Board  of  Directors'  report  on  the  state  of  affairs  of  "B 
Communications Ltd." (hereinafter: “the Company") and the Group companies in a consolidated 
manner  (the  Company  and  its  subsidiaries  will  be  collectively  referred  to  hereinafter  as:  “the 
Group"), for the year ended December 31, 2020.  

For  the  investigation  by  the  Securities  Authority  and  the  Police,  see  Note  1.3  to  the  financial 
statements. 

The auditors referred to this in their opinion on the financial statements. 

For restatement, see Note 1.5 to the financial statements. 

Regarding the effects of COVID-19 crisis, see Chapter 1.6 below. 

The Group reports on four main operating segments in its financial statements as follows:  

1. 

Landline interior communication 

2.  Cellular communication  

3. 

Internet services, international communications and network 
endpoint 

4.  Multi-channel TV 

It should be noted that the Company's consolidated financial statements also includes the 
"other" segment which mainly includes call center services for customers (through "Bezeq 
Online") and up to December 2020, also included content services in the field of the Internet (via 
"Walla"). 

On December 27, 2020, Bezeq completed a transaction for the sale of all its holdings in Walla, 
see Note 13.4 to the financial statements. The "other" segment activity is not material at the 
Group level. 

1 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year 
ended December 31, 2020 

The following are consolidated results of the Group: 

2020 

2019 

 Increase (decrease) 

NIS millions  NIS millions  NIS millions 

 % 

 Net profit (loss)  

EBITDA* 

Adjusted EBITDA* 

900 

3,566 

3,647 

(1,460) 

2,530 

3,671 

2,360 

1,036 

(24) 

- 

40.9 

(0.7) 

The increase in consolidated net profit in 2020 relative to 2019 also resulted  mainly from the 
registration of impairment in the cellular communications  segment and the cancellation of the 
tax asset due to losses in DBS. In 2019, these losses were partially offset by the record of capital 
gains from the sale of a real estate property in the "Sakia" complex in 2019, for more information 
see Section 1.2.1 below. 

The increase in consolidated EBITDA in 2020 was due to the record of impairment in the cellular 
communications segment in 2019, which was partially offset by the recording of a capital gain 
from the sale of a real estate property in the Sakia complex in 2019. 

* Financial indices that are not based on generally accepted accounting principles 

As  of  the  date  of  the  report,  the  Group's  Management  is  assisted  by  financial  performance 
indices  that  are  not  based  on  the  generally  accepted  accounting  rules  for  examining  and 
presenting the Group's financial performance. These indices do not constitute a substitute for 
the information contained in the Company's financial statements. 

The following is a breakdown of the indices: 

Index 

Details of the method of calculation and the purposes of the index 

EBITDA 
(Earnings Before 
Interest, Taxes, 
Depreciation and 
Amortization) 

Adjusted EBITDA 

interest, 

taxes,  depreciation  and 

Defined  as  profit  before 
amortization. 
The  EBITDA  index  is  an  accepted  index  in  the  Group’s  field  of 
activity which neutralizes aspects due to differences in the capital 
structure, various aspects of taxation and the manner and period of 
the amortization of fixed and intangible assets. The Group's EBITDA 
is  calculated  as  operating  profit  before  depreciation,  amortization 
and impairment (including ongoing losses from impairment of fixed 
assets and intangible assets as described in Note 3.10.2 and 11.5 
to the financial statements). 
Calculated as an EBITDA index net of other operating expenses / 
revenue, net and one-off losses / profits from impairment / increase 
in  value  and  expenses  in  respect  of  options  for  employees.  The 
index  allows  comparisons  of  operational  performance  between 
different  periods  while  neutralizing  one-off  effects  of  exceptional 
expenses / revenue. 
It should be noted that the correlated EBITDA index should not be 
compared  to  indices  with  a  similar  name  reported  by  other 
companies  due  to  a  possible  difference  in  the  way  the  index  is 
calculated. 

2 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year 
ended December 31, 2020 

Method of Adjusted EBITDA calculation 

Operating Profit 
Depreciation, amortization and impairment 

EBITDA 

Impairment loss 

Other operating expenses (income), net 

Adjusted EBITDA 

* reclassified

2020 

2019 

NIS millions 

NIS millions 

1,708 
1,858 

3,566 

8 

73 

3,647 

466 
2,064 

2,530 

1,329* 

(188) 

3,671 

3 

 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2020 

1. 

Explanations by the Board of Directors on the state of the corporation's business, the results of its operations, shareholders' 
equity, cash flows and other matters 

1.1  The financial position 

December 
31, 2020 

December 
31, 2019 

Increase 
(decrease) 

NIS millions 

NIS 
millions 

NIS 
millions 

% 

1,775 

- 
2,315 

2,055 

(280)  (13.62) 

39 
2,496 

39 
(181) 

-  
(7.2) 

Cash and current 
investments 
Limited cash 
Current and non-current 
customers and trade 
receivable 

Inventory 
Assets held for sale 
Broadcasting rights 

73 
10 
67 

96 
43 
59 

(23) 
(33) 
8 

(23.9)  
(76.7)  
13.6  

Right-of-use assets 

1,804 

1,217 

587  48.23  

Fixed assets 
Intangible assets 

6,131 
3,268 

5,968* 
3,167* 

163 
101 

2.73  
3.18 

Deferred expenses and 
non-current investments 

402 

343* 

59 

17.2 

Explanation 

For more information, see chapter 4.1 below. 

The decrease was mainly  due to the landline interior  communications segment  due to a 
decrease in balances receivable as a result of the sale of real estate offset by an increase 
in  customer  balances  and  also  from  the  cellular  communications  segment  due  to  a 
decrease in customer balances offset by a frequency grant (see Note 11.1 to the financial 
statements). 

The  increase  was  due  to  the  landline  interior  communications  segment  and  the  cellular 
communications  segment  as  a  result  of  new  lease  agreements  due  to  the  move  to  new 
offices, see Note 9.5 to the financial statements. 
The  increase  was  due  to  the  landline  interior  communications  segment,  offset  by  a 
decrease  in  the  Internet,  international  communications  and  network  endpoint  services 
segments  due  to  recognition  of  losses  from  impairment  of  assets,  see  Note  11.6  to  the 
financial statements. 
The increase was mainly due to the registration of the cost of 5G frequencies in the cellular 
communications  segment,  see  Note  11.1  to  the  financial  statements.  The  increase  was 
offset  by  recognition  of  losses  from  impairment  of  assets  in  the  Internet,  international 
communications and network endpoint services segments, see Note 11.6 to the financial 
statements. 
The  increase  in  BCOM  was  due  to  cash  deposited  in  a  long-term  deposit.  On  the  other 
hand,  there  is  a  decrease  in  Bezeq,  which  resulted  from  the  recognition  of  losses  from 
impairment of long-term advance expenses for capacities and additional advance expenses 
in the Internet, international communications and network endpoint services segments in 
the amount of NIS 112 million (see Note 11.6 to the financial statements).  

4 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2020 

Deferred tax assets 

108 

81 

27 

33.3 

The increase was mainly due to the initial recognition of a deferred tax asset in respect of 
an  expected  loss  for  tax  purposes  from  the  sale  of  Walla  (see  Note  7  to  the  financial 
statements). 

Total assets 

15,953 

15,564 

389 

2.49  

* Reclassified 

5 

 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2020 

1.1.  Financial position (continued)  

December 
31, 2020 
NIS millions  NIS 

December 
31, 2019 

millions 

Increase 
(decrease) 

NIS 
millions  % 

Debt to financial institutions 
and bondholders 

10,270 

11,419 

(1,149) 

(10.06) 

Liabilities in respect of leases 
Suppliers and trade payables 

Employee benefits 

1,907 

1,385 

522 

37.7 

1,766 

1,627 

139 

8.54 

817 

1,010  

(193) 

(19.1) 

Other liabilities 

Total liabilities 
Total capital deficit attributed 
to the Company's 
shareholders 

766 

561 

205 

36.54 

15, 526 

16,002 

(476) 

(2.97) 

(107) 

(241) 

134 

(55.6) 

Explanation 

The  decrease  in  debt  was  mainly  due  to  repayment  (including  early 
repayment) of loans  and repayment  of  bonds, offsetting the issuance and 
expansion of Series 11 and 12 bonds in the landline interior communications 
segment (for more information, see Note 14 to the financial statements). 

The increase was due to the landline interior communications segment and 
the  cellular  communications  segment  due  to  new  leases  agreements  as  a 
result of relocation to new offices, see Note 9.5 to the financial statements. 
The increase was mainly due to the landline interior communications 
segment, due in part to an increase in the tax liability balance.  
The  decrease  was  due  to  payments  for  retirement  of  employees  and 
streamlining plans in the Group, offset by expenses due to the termination 
of  an  employee-employer  relationship  in  early  retirement  in  Bezeq  in  the 
amount of NIS 65 million, see Note 17.5.1 to the financial statements. 
The  increase  was  mainly  due  to  a  long-term  liability  in  the  cellular 
communications segment for winning a frequency tender, see Note 1.11. to 
the financial statements. 

The capital deficit is approx. 0.06% of the total balance sheet, compared with 
a  capital  deficit  that  was  approx.1.54  of  the  total  balance  sheet  as  of 
December 31, 2019.  

6 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2020 

1.2.  The results of operations 

1.2.1.  Results summary 

2020 

2019 

Increase (decrease)  Explanation 

NIS millions 

% 

Revenue 

8,723 

8,929 

(206) 

(2.3) 

Operating and 
general expenses 

3,182 

3,321 

(139) 

(4.2) 

Payroll 

1,894 

1,937 

(43) 

(2.2) 

Depreciation, 
amortization and 
impairment 

1,858 

2,064 

(206) 

(10) 

Impairment loss, 
net 

8 

1,329 

(1,321) 

(99.3) 

The decrease was mainly due to the cellular communications 
segment, mainly due to the impact of the COVID-19 crisis which led to 
a decline in revenues from roaming services as well as the Internet 
services, telecommunications services and multi-channel television 
segments, offset by an increase in landline interior communications 
segment revenues. 
The decrease was due to a decrease in expenses in all of the Group's 
main segments, except for the landline interior communications 
segment, as well as a decrease in the loss from the impairment of 
broadcasting rights in DBS compared with the corresponding year, 
see Note 11.5 to the financial statements.  
The decrease was mainly due to the cellular communications segment 
as well as the multi-channel television segment and the Internet, 
international communications and network endpoint services 
segments, mainly due to a decrease in the number of jobs. The 
decrease was partially offset mainly due to an increase in payroll 
expenses in the "others" segment - at Bezeq Online. 
The decrease was due to the Internet, international communications 
and network endpoint services segments, the cellular communications 
segment and a decrease in the loss from the impairment of intangible 
assets and fixed assets in DBS, see Note 11.5 to the financial 
statements, offset by an increase in the landline interior 
communications segment. 
In the current year, a loss was recognized from the impairment of 
assets in the Internet and international communications services cash-
generating unit in the amount of NIS 279 million (see Note 11.6 to the 
financial statements) compared to NIS 157 million in the 
corresponding year. Also, following an agreement to sell all Bezeq’s 
holdings in Walla, Profit from the cancellation of the impairment 
recognized in the past in the amount of NIS 14 million was recognized 
in the year 2020 (see Note 13.4 and 11.2 to the financial statements). 
Also, loss from impairment of goodwill attributable to the cellular 

7 

 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2020 

communications cash-generating unit in the amount of NIS 951 million 
was recognized in 2019, compared with the cancellation of an 
impairment loss from 2020 in the amount of NIS 258 million.  

The change was due to the fixed landline interior communications 
segment, mainly due to a capital gain from the sale of a real estate 
property in the Sakia complex, which was recognized in the 
corresponding year in the amount of NIS 403 million. The aforesaid 
change was partially offset mainly due to expenses recognized in the 
corresponding year due to the termination of the employer-employee 
relationship in early retirement and a streamlining agreement in the 
other segments of the Group, see Note 25 to the financial statements. 

In 2020, there was a decrease in net financing expenses in the 
landline interior communications segment, which was offset by non-
registration of financing revenue as a result of the change in the 
Company's debt terms recorded in 2019, see Note 26 to the financial 
statements. 

The decrease in income taxes was mainly due to the recognition of tax 
expenses in the corresponding year in the amount of NIS 1,259 million 
from the write-off of the tax asset in respect of losses of DBS. In the 
current year, a tax asset was written off in the Internet, international 
communications and network endpoint services segment in the 
amount of NIS 31 million, see Note 7 to the financial statements. 

Other operating 
expenses 
(revenue), net 

73 

(188) 

261 

- 

Operating Profit  1,708 

466 

1,242 

266.5 

Financing 
expenses, net 

474 

472 

Share in losses 
of investee 
companies 

- 

(2) 

2 

2 

0.4 

(100) 

Income taxes 

334 

1,452 

(1,118) 

(76.99) 

Profit (loss) in the 
year  

* Reclassified

900 

(1,460) 

2,360 

- 

8 

 
 
 
 
 
 
 
 
 
 
Report
December

the of 
 31,

Board
2020

 of 

Directors

the on 

state

 of 

affairs

the of 

corporation

for

the 

year

ended

1.2.2.  Operating segments 

a.  The following are data regarding revenues and operating profit in accordance with the Group's 

operating segments: 

2020 

NIS 
millions 

% of total 
revenue 

2019 
NIS 
millions 

% of total 
revenue 

Revenue by operating 
segments 
Landline interior communication  4,159 
Cellular communication 
2,186 
Internet services, international 
communications and network 
endpoint 
Multi-channel TV 

1,271 
1,287 

Others and adjustments 

Total 

(180) 

8,723 

47.68 
25.06 

14.57 
14.75 

(2.06) 

100.00 

4,073 
2,362 

1,339 
1,345 

(190) 

8,929 

45.6 
26.5 

15.0 
15.1 

(2.2) 

100 

Year 2020 
NIS 
million 

% Of 
revenue 
The sector 

Year 2019 
NIS 
million 

% Of 
revenue 
The sector 

Operating profit (loss) by 
operating segment 
Landline interior communication  1,705 
Cellular communication 
Internet services, international 
communications and network 
endpoint 
Multi-channel TV * 

(241) 
(42) 

(84) 

41.0 
(3.8) 

(19.0) 
(3.3) 

2,142 
(99) 

52.59 
(4.2) 

(196) 
(135) 

(14.63) 
(10) 

Others and adjustments 

370 

- 

** (1,246) 

- 

Consolidated operating profit / 
percentage of Group income 

1,708 

19.58 

466 

5.2 

* The results of the multi-channel television segment are presented net of the overall impact of 

impairment recognized since 2018. This is in accordance with the way the Group's chief 
operating decision maker evaluates the segment's performance and makes decisions 
regarding the allocation of resources to the segment. In addition, see Note 31.3 regarding a 
summary of selected data from the financial statements of DBS. 

** Impairment loss (cancellation of impairment loss) attributable to the cellular communications 

cash-generating unit is presented under "Others and adjustments". 

9 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2020 

1.2.2.  Activity segments 

b.  Landline interior communications segment 

2020 

2019 

Increase 
(decrease) 

NIS millions 

% 

Internet infrastructure  1,622 

1,578 

44 

2.8 

Landline telephony 

1,008 

1,039 

(31) 

(3.0) 

Explanation 
The increase was mainly due to an increase in the average revenue per retail subscription 
and an update in the rates of wholesale Internet services. In addition, there is an increase 
in  the  number  of  retail  internet  subscribers  mainly  due  to  the  impact  of  the  COVID-19 
crisis.  The  increase  was  mitigated  by  a  decrease  in  the  number  of  wholesale  Internet 
subscribers. 
The decrease was due to a decrease in the number of subscribers and was mitigated by 
an  increase  in  the  average  revenue  per  telephone  subscriber  due  to  an  increase  in 
revenue from calls due to the COVID-19 crisis. 

Transmission, 
communication 
Data and others 
Cloud and digital 
services 
Total 

1,241 

1,182 

59 

5.0 

The increase was due, among other things, to an increase in revenues from transmission 
services to Internet providers and to businesses and the sale of cellular end equipment. 

288 

274 

4,159 

4,073 

14 

86 

5.1 

2.1 

The increase was due, among other things, to virtual exchange services. 

Operating and general 
expenses 

590 

565 

25 

4.4 

Payroll 

919 

911 

8 

0.9 

Depreciation and 
amortization 

877 

861 

16 

1.9 

Other operating 
expenses (revenue), 
net 

68 

(406) 

474 

- 

The  increase  was  mainly  in  connectivity  to  telecommunications  operators  due  to  an 
increase  in  consumption,  expenses  for  subcontractor  services,  provision  for  loan-loss, 
advertising  and  end  equipment  costs,  offsetting  a  decrease  in  building  maintenance 
expenses, mainly due to property tax credit deductions due to the COVID-19 crisis 
The  increase  in  payroll  was  mainly  due  to  wage  increases  and  actuarial  provisions, 
offsetting  the  retirement  of  employees  and  an  increase  in  the  attribution  of  payroll  for 
investment. 

The change was due to a decrease in capital gains from the sale of real estate, mainly 
due to a capital gain from the sale of a real estate property in the "Sakia" complex that 
was recognized in the corresponding year in the amount of NIS 403 million. On the other 
hand, there was a decrease in expenses recognized in respect of the termination of the 
employee-employer relationship in early retirement and in addition, a capital gain of NIS 
22  million  was  recognized  from  the  sale  of  Walla,  see  Notes  13.4,  17.5  and  25  to  the 
financial statements. 

10 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2020 

Operating profit 

1,705 

2,142 

(437) 

(20.4) 

Financing expenses, 
net 

403 

569 

(166) 

(29.2) 

Income taxes 

262 

381 

(119) 

(31.2) 

Segment profit 

1,040  

1,192 

(152) 

(12.8)  

The decrease was mainly due to a decrease in financing expenses for employee benefits, 
a decrease in interest expenses due to repayment (including early repayment) of loans, 
a decrease in linkage differences due to bonds due to a decrease in the consumer price 
index and lower repayment costs of loans and bonds recognized in the corresponding 
year, see Notes 14.2 and 26 to the financial statements. 
In  the  reported  year,  a  deferred  tax  asset  was  recognized  in  respect  of  a  loss  for  tax 
purposes  from  the  sale  of  Walla  in  the  amount  of  NIS  37  million  (see  Note  7  to  the 
financial statements). 

11 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2020 

1.2.2.  Activity segments 

c. 

Cellular communications segment 

2020 
NIS 
millions 

2019 
NIS 
millions 

Growth (decrease)  
% 
NIS 
millions 

Explanation 

Services 

1,591 

1,709 

(118) 

(6.9) 

Sale of end equipment to 
the customer 

595 

653 

(58) 

(8.9) 

Total revenue 

2,186 

2,362 

(176) 

(7.5) 

Operating and general 
expenses 

1,329 

1,373 

(44) 

(3.2) 

Payroll 

324 

373 

(49) 

(13.1) 

The  decrease  was  mainly  due  to  the  impact  of  the  COVID-19  crisis  which  led  to  a 
decrease in revenue from roaming services which was partially offset due to an increase 
in revenue from incoming airtime. In addition, there is a continuation of the transition of 
existing customers to cheaper packages that include a wide browsing volume and which 
are compatible with current market prices. This decline was partially offset by growth in 
the post-pay subscriber base. 
The decline was mainly due to a decrease in retail sales due to the closure of points of 
sale as a result of the closures following the COVID-19 crisis. The decline was partially 
offset by an increase in wholesale sales. 

The decrease was mainly due to a decrease in the cost of sales and roaming services 
expenses due to the COVID-19 crisis as well as a continued reduction and streamlining 
of operating expenses, which were offset by an increase in call completion fees due to an 
increase in subscribers and increases in uses due to the COVID-19 crisis. 
The decrease was mainly due to the continued decrease in the number of jobs as part of 
a streamlining plan and employees going on unpaid leave against the background of the 
COVID-19 crisis.  

Depreciation and 
amortization 
Other operating expenses, 
net 
Operating loss 

Financing income, net 

Revenue from taxes on 
income 

Sector loss 

599 

633 

(34) 

(5.4) 

18 

(84) 

(48) 

(11) 

(25) 

82 

(99) 

(39) 

(13) 

(47) 

(64) 

(78.0) 

The decrease was mainly due to the recording of expenses in 2019 due to the renewal of 
the collective agreement, which includes streamlining and synergy procedures. 

15 

(9) 

2 

22 

(15.2) 

23.1 

(15.4) 

(46.8) 

For information regarding impairment in the cellular communications segment, see Note 11.3 to the financial statements. 

12 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2020 

1.2.2.  Activity segments 

d. 

Internet, international communications and network endpoint services 

2020 
NIS 
millions 

2019 
NIS 
millions 

Increase (decrease) 
NIS 
millions 

% 

Explanation 

Revenue 

1,271 

1,339 

(68) 

(5.1) 

Operating and general 
expenses 

802 

827* 

(25) 

(3.0) 

Payroll 

Depreciation and 
amortization 

Other operating 
expenses 

248 

149 

261* 

190 

(13) 

(41) 

(5.0) 

(21.6) 

313 

257 

56 

- 

Operating loss 

(241) 

(196) 

(45) 

23.0 

Financing expenses, net  2 

6 

Income Tax expenses 
(revenue)  

32 

(45) 

(4) 

77 

(66.7) 

- 

Sector loss 

(275) 

(157) 

(118) 

75.2 

The  decrease  was  mainly  due  to  a  decrease  in  Internet  revenues,  sales  of 
equipment and licensing for businesses and revenues from international calls. The 
decrease  was  slightly  offset  due  to  an  increase  in  revenues  from  business 
services. 
The decrease was due to a decrease in expenses from equipment and licensing 
for businesses, expenses for international calls and other operating expenses. The 
decrease was partially offset by an increase in expenses for communications and 
computing services for businesses and local capacity. 
The  decrease  was  due  to  a  continued  decrease  in  the  number  of  Company 
employees as part of the streamlining plan. 
The decrease was due to impairments of assets recognized as of December 31, 
2019 and September 30, 2020.  
In the current year, an impairment loss was recognized in the amount of NIS 307 
million, compared with NIS 196 million in the corresponding year, see Note 11 to 
the financial statements. Also, in the corresponding year, costs were recognized in 
respect of a collective agreement and an update of a provision for legal claims. 

In the current year, deferred tax assets have been written off as a result of a low 
probability of generating future profits for tax purposes. 

13 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2020 

1.2.2. Activity segments 

e.  Multi-channel TV * 

2020 
NIS 
millions 

2019  
NIS 
millions 

Increase (decrease)   
% 
NIS 
millions 

Explanation 

Revenue 

1,287 

1,345 

(58) 

(4.3) 

Operating and general 
expenses 

838 

895 

(57) 

(6.4) 

Payroll 

195 

209 

(14) 

(6.7) 

The decrease was mainly due to a decrease in the average revenue per subscriber, as a 
result of a change in the mix of subscribers from premium to discount, offsetting revenue 
from the sale of content to external entities. 
The decrease was mainly due to a decrease in content and marketing expenses as well as 
streamlining of operating expenses 

The decrease was mainly due to a continued decrease in the number of jobs as part of the 
streamlining plan as well as employees going on unpaid leave due to the COVID-19 crisis. 

Depreciation and 
amortization 
Other operating 
expenses (revenue) 

Operating (loss)  

Financing expenses, 
net 

Income taxes 

310 

334 

(24) 

(7.2) 

The decrease was mainly due to a decrease in fixed asset investments. 

(14) 

(42) 

13 

2 

42 

(56) 

- 

(135) 

93 

(68.9) 

12 

2 

1 

- 

8.3 

- 

The change was mainly due to the recording of expenses in respect of an arrangement for 
the retirement of employees in the corresponding year. 

Segment loss 

(57) 

(149) 

92 

(61.7) 

* The results of the multi-channel television segment are presented net of the overall impact of impairment recognized since 2018. This is in accordance 
with the way the Group's chief operating decision maker evaluates the segment's performance and makes decisions regarding the allocation of 
resources to the segment. For further information, see Note 11.5 to the financial statements. In addition, see Note 31.3 regarding the summary of 
selected data from the financial statements of DBS. 

14 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2020 

1.3. 

 Main data from the consolidated quarterly income statements (NIS millions) 

Q1-2020  Q2-2020  Q3-2020  Q4-2020  2020 

Explanation 

Revenue 

2,187 

2,155 

2,178 

2,203 

8,723 

The third quarter includes loss from impairment of assets in the Internet, 
international communications and network endpoint services segment in the 
amount of NIS 254 million and the fourth quarter includes an additional loss 
of NIS 25 million, see Note 11.6 to the financial statements. 
The fourth quarter includes the cancellation of a loss from impairment of 
assets in the cellular communications segment in the amount of NIS 266 
million. 
The fourth quarter includes expenses in respect of the termination of the 
employee-employer relationship in early retirement in the amount of NIS 65 
million as well as expenses for a one-time bonus for employees in the 
amount of NIS 40 million in the landline interior communications segment, 
see Note 17.5 to the financial statements. 

In the second quarter, Bezeq recognized financing expenses in respect of the 
payment of an early repayment fee in the amount of approximately NIS 51 
million due to early repayment of a loan. 

Operating expenses 

1,718 

1,650 

1,973 

1,674 

7,015 

Operating profit 

469 

505 

205 

529 

1,708 

Financing expenses, 
net 

Profit after financing 
expenses, net 

60 

186 

106 

122 

474 

409 

319 

99 

407 

1,234 

Income taxes 

102 

82 

Profit for the period 

307 

237 

93 

6 

57 

350 

334 

900 

* Fourth quarter 2020 VS fourth quarter 2019 
The profit for the fourth quarter of 2020 amounted to approx. NIS 350 million, compared with a profit of NIS 182 million in the corresponding quarter 
last year. The change was mainly due to the fact that the corresponding quarter included a net loss from impairment of assets in the Internet, 
international communications and network endpoint services segment in the amount of NIS 285 million (compared with NIS 25 million in the current 
quarter), and included other operating expenses higher by approx. NIS 77 million in the fourth quarter of 2019, on the other hand, financing revenue 
was recorded in the Company as a result of a change in the Company's debt terms in the amount of NIS 175 million in the fourth quarter of 2019. 

15 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2020 

1.4. 

Cash Flow 

2020 

NIS 
millions 

2019 
NIS 
millions 

Change 
NIS 
millions 

% 

Net cash flow from 
operating activities 

3.209 

2,905 

304 

10.46 

Net cash flow used for 
Investing activity 

(1,067) 

(577) 

(490) 

84.92 

Net cash flow used for 
financing activities 

(2,062) 

(2,618) 

556 

(21.23) 

Explanation 

The increase in net cash flow from operating activities was 
mainly due to the landline interior communications segment, 
mainly as a result of an increase in profit and a decrease in 
the income tax paid. 

In 2019 there were higher repayments of deposits and sales 
of investments compared to 2020. Also, in the previous year 
net proceeds from the sale Sakia complex was recorded. 

interest  paid,  mainly  due 

The  decrease  in  the  net  cash  flow  used  for  financing 
activities  was  mainly  due  to  a  decrease  in  loan  and  bond 
repayments  and 
to  early 
repayment of loans and bonds in the corresponding year in 
the  Company  and  in  the  landline  interior  communications 
segment, offsetting a decrease in the receipt of loans and 
the  issuance  of  bonds.  There  is  also  a  decrease  in  costs 
due to early repayment. For further information, see Note 14 
to the financial statements. 

Net increase (decrease) 
in cash 

80 

(290) 

370 

- 

Average volume in the reported year  
Long-term liabilities (including current liabilities) to financial institutions and bondholders: approx. NIS 10,845 million. 
Credit providers: approx. NIS 955 million. Short-term customer credit: approx. NIS 1,678 million. Long-term customer credit: approx. NIS 283 million

16 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2020 

Working capital 

The  Group's  consolidated  working  capital  as  of  December  31,  2020  amounted  to 
approximately  NIS  94  million,  compared  with  working  capital  of  approximately  NIS  423 
million as of December 31, 2019. 
The  Company  (according  to  the  "Solo”  financial  statements)  has  working  capital  as  of 
December 31, 2020 in the amount of NIS 228 million, compared with working capital in the 
amount of NIS 485 million as of December 31, 2019. 
The decrease in the working capital of the Group and the Company was due to a decrease 
in  current  assets,  mainly  in  accounts  receivable  in  respect  of  the  sale  of  buildings  and 
current investments in Bezeq, as well as a classification of long-term deposits, at the same 
time as raising debt with a longer duration (see Note 14 to the financial statements) and 
also due to retirement payments to Bezeq employees. 

For a forecast cash flow, see Chapter 1.5 below. 

17 

 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2020 

1.5.  Disclosure regarding the Company's projected cash flow 

Pursuant to Regulation 10(b)(14) of the Securities Regulations (Periodic and Immediate Reports), 
5737-1970 and upon the occurrence of warning indications - Equity Deficit in - in the Company's 
statement (Solo) as well as in the consolidated statement and ongoing negative cash flow from 
current operations in the Company’s statement (Solo), the following is a cash flow forecast for the 
Company, detailing the sources and financial uses for the period between January 1, 2021 and 
December 31, 2022. 

Projected cash flows 

January 1, 2021 to 
December 31, 2021 

January 1, 2022 to 
December 31, 2022 

Company - solo 

NIS millions 

NIS million s 

Bank deposits and marketable securities 
for the beginning of the period 
Cash and cash equivalents for the 
beginning of the period 
Total liquidity for the beginning of the 
period 
Sources - Company 

317 

55 

372 

(33) 

Cash from investing activities 
Investment in marketable securities 
Proceeds from repayment of bank deposits   80 
Profits from marketable securities and 
interest on bank deposits  
Total net cash from investing activities 
Uses - Company 
Cash for current operations 
Operating expenses  
Total cash for current operations 

4 
51 

(10) 
(10) 

Cash for financing activities 
Payment of interest on bonds 
Total cash for financing activity 

Bank deposits and marketable securities 
for the beginning of the period 
Cash and cash equivalents for the end of 
the period 
Total liquidity at the end of the period 

(78) 
(78) 

270 

18 
288 

270 

18 

288 

- 
80 

4 
84 

(10) 
(10) 

(78) 
(78) 

190 

14 
204 

18 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2020 

1.5  Disclosure regarding the Company's projected cash flow (continued) 

The following is a comparison table between the forecast given as part of the PR report for 2019 
and the actual cash flow period between January 1, 2020 and December 31, 2020: 

Comparison - cash flows, 
solo 

Performance 
1-12.2020 

NIS millions 

Forecast 
 1-12.2020  Gap 
NIS 
NIS 
millions   
millions 

Explanation of the gap 

Bank deposits and 
marketable securities for 
the beginning of the period  46 

Cash and cash equivalents 
for the beginning of the 
period 

Total liquidity for the 
beginning of the period 
Sources - Company 
Cash from investing 
activities 
Proceeds from marketable 
securities and interest on 
deposits Banking 
Total net cash from 
investing activities 

452 

498 

6 

6 

46 

452 

498 

4 

4 

- 

- 

- 

2 

2 

Uses - Company 
Cash for current 
operations 
Operating expenses  
Total cash for current 
operations 

Cash for investing 
activities 

Investment in Bezeq 
shares 

(11) 

(11) 

(10) 

(10) 

(1) 

(1) 

(40) 

- 

(40) 

Investment in bank 
deposits and securities, net  (265) 
Total cash for investing 
(305) 
activities 

Cash for financing 
activities 
Net compensation in 
respect of the Horev claim 
Payment of interest on 
bonds 
Total cash for financing 
activities 

(3) 

(78) 
(81) 

(339) 
(339) 

74 
34 

- 

(78) 
(78) 

(3) 

- 
(3) 

An additional investment in 
Bezeq shares was decided 
upon during the year 

Part of the change was due 
to the purchase of Bezeq 
shares and part of a ZK 
deposit that was classified 
as cash 

19 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2020 

Bank deposits and 
marketable securities for the 
end of the period 

317 

Cash and cash equivalents 
for the end of a period 

55 

Total liquidity for the end 
of the period 

372 

385 

(68) 

29 

26 

414 

(42) 

20 

 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2020 

1.5 Disclosure regarding the Company's projected cash flow (continued) 

1. 

The following are the assumptions underlying the cash flow forecast: 

a.  The Company's cash flow forecast for years 2021 and 2022 is based on current estimates for the 

years in question. 

b.  The  Company  expects  an  average  annual  return  of  Between  1%  to  2%  on  its  investments  in 

marketable securities and bank deposits. 

c.  The annual interest payments in respect of the Company's traded bonds amount to NIS 78 million 

in accordance with the repayment schedule of the bonds. 

d.  The Company has sufficient resources to repay its liabilities through cash balances and investments 
in deposits and marketable securities that can be exercised in the short term and through raising 
debt from non-banking sources. 

2. 

The Board of Directors has examined and approved the sources included in the disclosure regarding 
the projected cash flow after being found reasonable regarding the financial scope of each source 
and the expected timing of its receipt. In addition, the Board of Directors examined the existence of 
restrictions on raising new debt and assumed that such raising was possible. There is no material 
effect of the pandemic on the Company's liquidity balances. 

The  aforesaid  in  the  context  of  the  disclosure  of  the  projected  cash  flow  is  forward-looking 
information.  The  Company's  assumptions  and  estimates  regarding  the  projected  cash  flow, 
regarding  the  sources  of  repayment  of  the  Company's  existing  and  expected  liabilities,  and 
regarding the assumptions underlying the cash flow forecast are based on the Company's data 
as of the reporting date, and assuming continued operations during normal business. There is no 
certainty that these assumptions and estimates will materialize in full or in part, since they also 
depend on external factors which the Company has no ability to influence or its ability to influence 
them is limited, and in view of the current uncertainty in the communications market. Actual data 
may differ materially from the above estimate if there is a change in one of the factors taken into 
account in these estimates.  

21 

 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2020 

2.  Aspects of corporate governance 

2.1. 

Involvement of the Group companies in the community and donations 

The Company supports Bezeq's corporate responsibility policy and will continue to uphold this policy in 
all Group companies, and in addition, each year, the Company discusses the Company's contribution 
policy, with a focus on health and education issues. In the reported year, due to the COVID-19 crisis, the 
Company  donated  a  lot  of  protective  equipment  to  the  Ichilov  Hospital  and  the  Reut  Rehabilitation 
Hospital, in amounts that are not material to the Company. 

In accordance with the community contribution policy approved by the Bezeq Board of Directors, Bezeq 
contributes to the community out of its deep commitment to the issue of social responsibility, through 
financial  donations,  contribution  of  communication  services  and  infrastructure  and  encouraging 
employee volunteering in a variety of community activities. Most of Bezeq's financial contributions are 
focused on programs on education and reducing the digital disparity in Israel. 

in the year 2020 Bezeq Group contributed a total of approx. NIS 3.7 million. 

In addition, Bezeq assisted non-profit organizations in the amount of about 2 NIS million for 
communication services.  

2.2.  Disclosure regarding the auditor’s fee 

The following are fee expenses for the accountants of the main subsidiaries in the group  
In respect of audit services and audit-related services: 

Company name 

Auditor 

B. Communications Ltd. 

Somekh 
Chaikin 

the 

Bezeq 
- 
Telecommunications 
Corporation Ltd. 

Israel 

Somekh 
Chaikin 

Pelephone 
Communications Ltd. 

Somekh 
Chaikin 

Bezeq International Ltd 

Somekh 
Chaikin 

2020 
Fees 
(NIS 
thousands) 

Hours 

2019 
Fees 
(NIS 
thousands) 

Hours 

515 

166 

2,542 

634 

2,816  

416 

174 

387 

1,700 

15,250 

1,700 

15,500 

951 

670 

520 

3,485 

596 

1,898  

6,350 

670 

6,500 

1,259 

327 

778 

1,166 

8,250 

417 

4,630 

122 

435 

133 

423 

Details 

Audit 
and 
accompanyi
ng review 
Other 
services1 
Audit 
and 
accompanyi
ng review 
Other 
services 
Audit 
and 
accompanyi
ng review 
Other 
services1 
Audit 
and 
accompanyi
ng review 
Other 
services1 

1  "Other services" provided to the Group's main companies in the years 2020 and 2019 including, among other things, consulting 

services on tax and accounting matters and special approvals. 

22 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2020 

DBS Satellite Services 
(1998) Ltd. 

Somekh 
Chaikin 

Audit 
and 
accompanyi
ng review 
Other 
services1 

680 

5,200 

580 

5,400 

52 

162 

26 

66 

The  accountants’  fees  are  discussed  in  the  Board’s  Committee  for  Examining  the  Financial 
Statements and are approved by the Company's Board of Directors and the Board of Directors of 
each of the Group's companies.

23 

 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2020 

2.3. 

Directors with accounting and financial skills and independent directors 
Details  regarding  directors  with  accounting  and  financial  expertise  and  independent  directors  are 
included in sections 2 and 9 of the corporate governance questionnaire and in section 14 in Chapter 
D of the periodic report. 

2.4. 

Additional corporate governance issues 

In the year of the report, the Company established a gatekeepers’ forum, with the participation of 
the Internal Auditor, the auditors and external legal advisers and led by the Company's CFO. This 
forum  convenes  as  needed,  and  at  least  once  a  year  to  discuss  general  control  and  compliance 
issues in the Company. In the year of the report, one meeting of the forum was held. 

2.5. 

Disclosure regarding an internal auditor in a reporting corporation 

Concentration of 

details 

Name 
auditor 

of 

internal 

Ilan Chaikin 

Term of office 

2008 

Compliance with legal 
provisions 

The internal auditor meets the conditions set forth in Article 3 (a) and 8 of the 
Internal Audit Law, and the provisions of Article 146 (b) of the Companies Law. 

Employment format 

Hourly fee, according to the number of hours determined at the beginning of each 
year by the Audit Committee. 

 Method 
appointment 

of 

The  Organizational 
Commissioner of  

The internal auditor 

Work plan 

Method of appointment and summary of reasons for approving the 
appointment:  
The appointment was approved by the Board of Directors in 2008, following the 
recommendation of the Audit Committee.  
Duties, powers and roles imposed on the auditor: 
The authority and responsibility of the Company's internal auditor are set forth in the 
Company's internal audit procedure approved by the Audit Committee. According to 
the procedure, the auditor's duties and powers are: 
Checking the correctness of the Company's operations and the actions of its 
officers and functionaries, checking the reliability and integrity of the financial and 
operational information, examining the management of funds and liabilities and 
examining the Company's computerized information systems and the Company's 
information security system. The internal auditor is also responsible for examining 
employee complaints in accordance with the arrangements established by the Audit 
Committee in accordance with Article 117(6) of the Companies Law, 5769-1999. 
He is empowered to obtain any information, explanation and document necessary 
for the performance of its duties, to have access to any standard or computerized 
database of the Company, to any database and to any automatic or non-automatic 
data processing work plan of the Company and its units and to obtain access to any 
Company property. The internal auditor is also entitled to be invited to all the 
meetings of Management, the Board of Directors and its committees. 

The organizational manager of the internal auditor is the Company's CEO 

The work plan in 2020 was derived from the Company’s multi-year work plan 
determined for the years 2017-2022.  
The considerations in determining the work plan of the internal audit 

24 

 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2020 

The guiding principle in building the work plan of the internal audit is the risk 
inherent in the processes and activities of the Company. To assess these risks, the 
internal audit referred to the risk survey conducted thereby, as well as other sources 
that influenced the risk assessment in these processes, such as discussions with 
Management, previous audit findings and other relevant activities. 
The main considerations taken into account in constructing the work plan are: 
Reasonable coverage of most of the Company's areas of activity in accordance with 
exposure to material risks, taking into account existing controls in the Company's 
areas of activity and the findings of previous audits.  
Factors involved in determining the work plan 
The internal auditor, Management, and the Audit Committee of the Board of 
Directors. 

2.5 Disclosure regarding an internal auditor in a reporting corporation (continued) 

Concentration of 

details 

Work plan 

The audit's treatment 
of material investee 
corporations 

Performing the audit 

Access to information 

The body who receives the work plan and approves it 
The Audit Committee of the Board of Directors, after the matter has been 
discussed with the Company CEO. 

The auditor's discretion to deviate from the work plan 
The  Company CEO or the Chairman of the Audit Committee may propose issues 
in matters where the need arises to conduct an urgent examination as well as 
recommend the reduction or cessation of examination on a subject approved in 
the work plan. The internal auditor has the discretion to deviate from the work 
plan. 

Examination of material transactions 
The internal auditor is present at the Board discussions in which material 
transactions are approved and reviews the relevant material sent as part of these 
discussions.  

The work plan of the Company's Internal Auditor does not include an audit of 
material investee corporations. 

The internal auditor conducts meetings with the internal auditor and other control 
entities of material subsidiaries for the purpose of receiving periodic updates. 
In accordance with the Internal Auditor's notice, the audit work is conducted in 
accordance with the internal audit standards accepted in Israel and around the 
world and in accordance with professional guidelines in the field of internal audit, 
including international internal audit standards and in accordance with the Internal 
Audit Law and the Companies Law. 

The internal auditor was provided with documents and information as stated in 
section 9 of the Internal Audit Law and was given constant and direct access to 
the corporation's information systems, including financial data. 

25 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2020 

Auditor's report 

The Bard's 
assessment of the 
internal auditor's 
activities 

Remuneration 

The Internal Auditor submits the written audit reports on an ongoing basis during 
the reported year to the Chairman of the Board, the CEO, the Chairman of the 
Audit Committee and the members of the Committee. The reports are submitted 
prior to the date of the committee discussion (usually about three days prior to 
that date). 
The Company's Audit Committee convened to discuss internal audit reports 
regarding the reporting of the implementation of the Supervision Procedure by the 
Internal Auditor for the second quarter of 2020 on August 16, 2020. In addition, 
the report on the implementation of the supervision procedure by the Internal 
Auditor for the fourth quarter of 2020 was completed, as well as an audit on the 
implementation of the supervision procedure by the Company, which were 
presented on March 22, 2021. 

The Board of Directors is of the opinion that the scope of the audit, the nature of 
the internal auditor's activity and its continuity as well as the work plan are 
reasonable in the circumstances of the case and are there to achieve the 
objectives of the audit.  
Remuneration to the Internal Auditor is determined each year according to the 
volume of the audit hours, according to the hourly fee. In 2020, the volume of the 
hours invested in the audit by the Internal Auditor was approximately 200 hours, 
noting that the said hours volume is sufficient for the Internal Auditor to complete 
the audit work properly. 

In 2020, the Internal Auditor was paid compensation in the amount of NIS 56,160, 
including VAT. 
In the opinion of the Board of Directors, the extent of the internal auditor's 
remuneration had no effect on his professional judgment. 

26 

 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2020 

3.  Disclosure in connection with the corporation's financial reporting 

3.1.  Disclosure regarding valuations 

The following are details regarding highly material valuations and a material valuation in accordance with Regulation 8B of the Securities Regulations (Periodic and 
Immediate Reports), 5730-1970. 

The highly material valuations of Pelephone and DBS as of December 31, 2020 are included in these financial statements by reference to Bezeq's financial statements 
as of December 31, 2020, which were published on March 25, 2021. 

Bezeq International's valuation as of September 30, 2020 is included in these financial statements by reference to the Company's financial statements as of 
September 30, 2020, which were published on November 30, 2020. 

A highly material valuation of Bezeq Fixed Lines as of December 31, 2020 is not attached to the report since the Company was of the opinion that there are no 
indications of impairment of the cash-generating unit. 

Pelephone - 

 Bezeq Fixed Lines - 

 DBS -  

 Bezeq International - 

Highly material valuation 
as of December 31, 2020 

 Highly material valuation 
as of December 31, 2020 

(attached to Bezeq's 
financial statements as of 
December 31, 2020) 

See Section 3.1.4 below 

Highly material valuation as of 
December 31, 2020  
(Attached to Bezeq’s financial 
statements as of December 31, 
2020).  

 Highly material valuation as 
of September 30, 2020  
(Attached to the financial 
statements as of September 
30, 2020).  

See sections 3.1.2 and 3.1.4 
below. 

See section 3.1.1 below 

Identification of 
subject of 
valuation 

Value in use of Pelephone for 
the purpose of examining the 
impairment of goodwill 
recognized in the Company's 
financial statements in 
accordance with International 
Accounting Standard 36. 

Value in use of Bezeq Fixed 
Lines for the purpose of 
examining the impairment of 
goodwill recognized in the 
Company's financial 
statements in accordance 
with International Accounting 
Standard 36. 

Value in use of DBS Satellite 
Services (1988) Ltd. for the 
purpose of examining the 
impairment of the Company's 
assets in accordance with 
International Accounting Standard 
36 and the net exercise value of 
DBS' assets for the purpose of 
examining the impairment of non-
current assets.  

Value in use of Bezeq 
International for examination of 
impairment.  

27 

 
 
 
 
 
 
 
 
 
 
  
  
  
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2020 

Timing of the 
valuation 

Value of the 
subject of the 
valuation close 
to the date of 
the valuation 

Value of the 
subject of the 
valuation 
determined in 
accordance 
with the 
valuation 

Pelephone - 

 Bezeq Fixed Lines - 

 DBS -  

 Bezeq International - 

Highly material valuation 
as of December 31, 2020 

 Highly material valuation 
as of December 31, 2020 

(attached to Bezeq's 
financial statements as of 
December 31, 2020) 

See Section 3.1.4 below 

Highly material valuation as of 
December 31, 2020  
(Attached to Bezeq’s financial 
statements as of December 31, 
2020).  

 Highly material valuation as 
of September 30, 2020  
(Attached to the financial 
statements as of September 
30, 2020).  

See sections 3.1.2 and 3.1.4 
below. 

See section 3.1.1 below 

December 31, 2020 
The valuation was signed on 
March 24, 2021 

December 31, 2020 
The valuation was signed on 
March 24, 2021 

December 31, 2020 
The valuation was signed on 
March 24, 2021 

September 30, 2020  
The valuation was signed on 
November 30, 2020 

NIS 290 million book value of 
the net operating assets of 
Pelephone (*) (including cost 
surplus balance net of 
goodwill at the Company 
level). 

 Approx. NIS 10 billion book 
value of the net operating 
assets of  
 Bezeq Fixed Lines (including 
cost surplus balance net of 
goodwill at the Company 
level). 

 A negative total of approx. NIS. 
(27) million 

NIS 393 million book value of 
the net operating assets of 
Bezeq International. 

Approx. NIS 2,332 million 

 Approx. NIS 14,615 million.  

The Company has concluded 
that an impairment loss 
recorded in the Company's 
books in previous periods in 
the amount of NIS 266 million 
(NIS 205 million net of tax) 
must be canceled. 

The Company has concluded 
that there is no impairment 
that requires a reduction in 
the amount of goodwill 
recorded in the Company's 
books. 

Approx. NIS 123 million. 

The Company recognized a loss 
from impairment of assets in the 
amount of NIS 270 million. 

The total value of the Company's 
operations is negative in the 
amount of NIS (145) million. In 
light of the negative value of 
operations, the value of the 
Company's non-current assets 
was determined to be their fair 
value and zero, whichever is 
higher. As a result of the fair 
value of the balance sheet items 
that have been revaluated in 
accordance with IAS36 and 
IFRS15 requirements, it is 
negative in the amount of 
approximately NIS (134) million. 

28 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2020 

Pelephone - 

 Bezeq Fixed Lines - 

 DBS -  

 Bezeq International - 

Highly material valuation 
as of December 31, 2020 

 Highly material valuation 
as of December 31, 2020 

(attached to Bezeq's 
financial statements as of 
December 31, 2020) 

See Section 3.1.4 below 

Highly material valuation as of 
December 31, 2020  
(Attached to Bezeq’s financial 
statements as of December 31, 
2020).  

 Highly material valuation as 
of September 30, 2020  
(Attached to the financial 
statements as of September 
30, 2020).  

See sections 3.1.2 and 3.1.4 
below. 

See section 3.1.1 below 

Identification 
characterization 
of the valuator 

Prometheus Economic Consulting Ltd. The work was carried out for Bezeq by a team headed by CPA Gideon Peltz, a graduate 
of the Department of Accounting and Economics at Tel Aviv University. CPA Peltz has extensive experience in performing 
valuations, analyzing financial statements, preparing expert opinions and performing various types of economic consulting work 
for companies and businesses. The valuator has no dependence on Bezeq. Bezeq undertook to indemnify the valuator for 
damages in excess of three times his fee, unless he acted maliciously or with gross negligence. 

Valuation 
model 

Discounted 
method (DCF). 

Cash 

Flow 

 Discounted 
method (DCF). 

Cash 

Flow 

In the first stage - the Discounted 
Cash Flow method (DCF). 

Discounted Cash Flow method 
(DCF). 

In the second stage - the fair value 
of  the  non-current  assets  of  DBS 
was determined. 

Assumptions 
under which the 
valuator made 
the valuation 

Capitalization rate - 10.3% 
(after tax). 

 Discount rate - 7.5% (after 
tax).  

 Discount rate - 8.5% (after tax).  

Discount rate - 9.7% (after tax). 

 Permanent growth rate - 0%. 

Permanent growth rate - 0.8%. 

Permanent growth rate - 
2.5%. 

The  percentage  of  scrap 
value  from  the  total  value 
determined in the valuation is 
approximately 84%. 

 Permanent growth rate - 0%. 

 The percentage of scrap 
value from the total value 
determined in the valuation is 
approximately 72%. 

 The percentage of scrap value 
from the total value determined in 
the valuation - not relevant  

The percentage of scrap value 
from the total value determined 
in the valuation is 76%. 

(*) Pelephone's net operating assets do not include customer debt balances in respect of the sale of end equipment in payments presented at current value

29 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2020 

3.1.  Disclosure regarding valuations (continued) 

3.1.1.  The  period  that  has  elapsed  since  the  effective  date  of  the  valuation  of  Bezeq 
International as of September 30, 2020 until the date of approval of this report exceeds 
90  days.  As  of  December  31,  2020,  an  additional  valuation  of  Bezeq  International's 
operations was performed in accordance with the provisions of International Accounting 
Standard  36,  which  does  not  constitute  a  material  valuation  in  accordance  with  the 
provisions of the Securities Authority's position No. 105-23. For further information, see 
Note 11.6 in the financial statements. 

3.1.2.  Despite the negative value of DBS' operations, Bezeq supports DBS by approving credit 
facilities or investing in DBS' capital (see Note 13.2.2 to the financial statements). Bezeq's 
support  as  stated  in  DBS  stems,  among  other  things,  from  the  current  and  expected 
contribution of the multi-channel television activity to all Bezeq Group's operations. 

3.1.3. 

In the Company's consolidated financial statements as of December 31, 2020, the value 
of  the  operating  segments  of  Bezeq  Israel  Telecommunications  Company  Ltd., 
Pelephone  Communications  Ltd.,  DBS  Satellite  Services  (1998)  Ltd.  and  Bezeq 
International Ltd. amounted to 25% of its total assets. Accordingly, Prometheus Economic 
Consulting Ltd. is considered a highly material valuator according to position 105-30 of 
the legal staff of the Securities Authority (the "Staff Position"). For details regarding the 
appraiser  as  required  by  the  Staff  Position,  see  the  valuations  attached  to  Bezeq's 
financial statements. 

3.1.4. 

Information  under  Regulation  10(b)(8)  of  the  Securities  Regulations  (Periodic  and 
Immediate Reports), 5730-1970 

a.  Regarding  the  valuation  of  Pelephone  for  June  30,  2019,  which  was  attached  to 
Bezeq’s report for the second quarter of 2019, the Group examined the actual data in 
2020 regarding Pelephone's free cash flows compared to the 2020 forecast included 
in the aforesaid valuation and found that Pelephone's free cash flows2, according to 
its  financials  reports  for  2020,  are  significantly  higher  than  the  forecast  in  the  said 
valuation.  Most  of  the  discrepancy  is  due  to  timing  differences  in  investments  to 
purchase  frequencies.  For  further  information,  see  Appendix  C  in  Pelephone's 
valuation as of December 31, 2020, which is attached to Bezeq's financial statements 
as of December 31, 2020. 

b.  Regarding  the  valuation  of  DBS  as  of  December  31,  2019,  which  was  attached  to 
Bezeq’s financial statements of 2019,  the Group  examined the  actual data  in 2020 
regarding  the  free  cash  flows  compared  to  the  2020  forecast  included  in  the  said 
valuation  and  found  that  the  free  cash  flows  of  DBS,  according  to  its  financial 
statements for 2020, are significantly higher than the forecast in the said valuation. 
Most  of  the  discrepancy  is  due  to  low  operating  expenses  relative  to  the  forecast 
(some due to the effects of the COVID-19 crisis) and timing differences in engineering 
and  technology  investments,  offsetting  changes  in  working  capital.  For  further 
information,  see  Appendix  F  in  the  valuation  of  DBS  as  of  December  31,  2020, 
attached to Bezeq's financial statements as of December 31, 2020. 

3.1.5.  For further information, see Note 11 to the financial statements. 

2 The free cash flows for this purpose are the cash flows from operating activities minus capital investments and minus changes in 
interest-bearing customer debt in respect of the sale of end equipment in installments (financial instrument). 

30 

 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2020 

3.2.  Due to the materiality of the claims filed against the Group and which at this stage either cannot 
be assessed on the exposure in respect thereof cannot be calculated, accountants have drawn 
attention to this in their opinion on the financial statements. 

3.3.  Material incidents after the date of the financial statements 

Regarding material incidents after the date of the financial statements - see Note 32 to the 
financial statements. 

31 

 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2020 

4.  Details related to a series of liability certificates 

The following is data about the Company's bonds in circulation, as of December 31, 2020: 

A 

B 

Series E bonds 
Issue date (no extensions)  September 15, 2016  February 12, 2019  February 12, 2019 

Series C bonds 

Series D bonds 

Total value denominated at 
the date of issue (par 
value)  

NIS 1,882,265,000   NIS 58,000,000 

NIS 100,000,000  

C  Nominal value (par value)   NIS 1,856,535,487   NIS 58,000,000 

NIS 100,000,000  

D 

E 

The amount of interest 
accrued as of the date of 
the report 
Fair value as included in 
the financial statements  

NIS 6,070,617 

189,652 NIS 

NIS 326,986 

NIS 1,722,895,467  NIS 54,109,440 

NIS 100,326,986 

F   Stock market value 

NIS 1,772,991,390  NIS 55,569,800  

NIS 105,020,000  

G 

Type of interest  

Fixed rate 3.85% 

Fixed rate 33.85%  Fixed rate 33.85% 

H 

Principal payment dates 

November 30, 2024   November 30, 2024  November 30, 2024  

I 

Interest payment dates 

On May 31 and 
November 30 of 
each year, from May 
31, 2020 until 
November 30, 2024. 

J 

K 

Linkage 

Total liability in relation to 
total company liabilities 

Not linked 

Material 

On May 31 and 
November 30 of 
each year, from 
May 31, 2020 until 
November 30, 
2024. 
Not linked 

Immaterial 

On May 31 and 
November 30 of each 
year, from May 31, 
2020 until November 
30, 2024. 

Not linked 

Immaterial 

L 

Trustee details 

Trust company - Reznik Paz Nevo Trust Ltd. 
Name of the person in charge of the trust company - CPA 
Michal Avtalion 
E-mail michal@rpn.co.il, tel. 03-6389200, fax 03-6389222 
Address - 14 Yad Harutzim St., Tel Aviv. 

M  Rating 

The bonds are not rated 

N 

Compliance with the terms 
of the trust deeds 

O 

Liens 

P 

Financial conditions / 
restrictions that apply to 
the Company for the 
purpose of ensuring the 
value of the collateral and 
the rights of the holders to 

The Company issued to the trustees of Series C, D and E bonds 
certificates regarding its compliance with the terms of the trust 
deeds for 2020. 
Unlimited amount second-degree lien (pari-passu Series C and 
D) on 14,204,153 ordinary Bezeq shares of NIS 1 par value 
each held directly by the Company and on 714,169,560 ordinary 
Bezeq shares of NIS 1 par value each held by B 
Communications and the rights attached to these shares. Series 
E has a first-degree lien on those shares. The lien for series C 
and D will be replaced by a first-degree lien after the repayment 
of the entire debt in respect of the bonds (Series E). 
The Company has committed that during two consecutive 
quarters the LTV will not exceed (1) a rate of 80% by November 
30, 2023 and (2) 75% from December 2023 until the final 
maturity date of the bonds. This commitment will take effect only 
at the end of a period of 24 months from December 2, 2019. 

32 

 
 
  
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2020 

act to exercise the lien 
granted in their favor 

Q 

A restriction that applies to 
the Company in connection 
with the creation of 
additional liens on its 
assets or in connection 
with its authority to issue 
additional bonds 

For details regarding the restrictions that apply to the Company 
in connection with the expansion of the series, see section 3.2.2 
of the Company's trust deeds (Series C, D and E). 
For details regarding the restrictions that apply to the Company 
in connection with the creation of additional liens, see section 
6.1.3 (c) of the Company's trust deed (Series C). 

33 

 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2020 

4.1 Amendment of the terms of the Company's bonds 

On  September  17,  2020,  the  meetings  of  the  holders  of  bonds  (Series  C  and  E)  of  the 
Company approved the amendment of the trust deeds of the said series, in a manner that 
will enable the Company to raise additional debt that will be secured by a lien on Bezeq 
shares  pledged  in  favor  of  Series  C,  pari-passu  with  Series  C,  under  the  following 
restrictions: 
1. 

The additional debt raised by the Company (less the issue expenses) will first repay 
the bonds (Series D) and the  bonds (Series E) in full, so that after its raising and 
after  completing  the  conditions  required  for  release  in  exchange  for  issuing  the 
additional  series  and  amending  existing  liens  in  favor  of  Series  C,  a  lien  will  be 
recorded. The first tier on Bezeq shares pledged (as defined in the trust deed) for 
the  benefit  of  holders  of  the  bonds  (Series  C),  instead  of  the  second-degree  lien 
registered in their favor (as long as the bonds (Series E) are in circulation). 
After the full repayment of the debt in respect of the bonds (Series D) and the bonds 
(Series E), the balance of the proceeds for the net issue of the additional debt will 
be used for the purpose of repayment of the bonds (Series C), by early redemption 
(full or partial), according to the terms of the existing trust deed. 
The maturity of the new series issued by the Company will be longer than that of 
bonds (Series C) and the payment of the first principal in respect of the bonds from 
the new series as aforesaid will be only after full repayment of bonds (Series C). 

2. 

3. 

The early repayment amount to be paid to the bondholders in the event of early repayment 
of the bonds by the Company was also amended as follows:  
With respect to the bonds (Series C) - in the case of a partial early repayment of the bonds 
(Series C), the price of the partial early repayment will be par value of the bonds (Series C) 
or  their  market  value  according  to  the  30  trading  days  preceding  the  early  repayment, 
whichever is higher. 
In relation to bondholders (Series E) - the full early repayment price will be: (1) The market 
value of the bonds according to the price of the bonds on the stock exchange in the 30 
trading days preceding the early repayment in the early repayment price, but not more than 
103.5%, or (2) the par value of the bonds (Series E), whichever is higher. 

4.2  Credit Rating 

On August 13, 2020, Midroog announced the termination of rating of the bond (Series C) 
issued by the Company in light of the Company's request. On the eve of its termination, 
the Company's rating (Series C) was rated Caa2.il with a stable rating horizon. 

4.3  Financial terms 

In  accordance  with  the  Company's  obligation  in  bonds  Series  C,  D  and  E  to  meet  the 
condition of LTV (the first examination date is according to the financial statements as of 
December 31, 2021). The LTV ratio as of December 31, 2020 was 59.8%3. 

5. 

 Miscellaneous 

For information regarding the statement of liabilities of the reporting corporation and the 
subsidiaries in its financial statements as of December 31, 2020, see the report form that will 
be reported by the Company on March 25, 2021. 

Date of signing: March 24, 2021 

Darren Glatt 
Chairman of the Board 

Tomer Raved 
CEO 

3 The LTV ratio shown is net of approximately 22 million nominal Series C bonds held by a partnership held by the Company. 
Without this neutralization, the LTV ratio is approximately 60.6%. 

34 

 
 
 
 
 
Chapter C  
Consolidated Financial Statements 
for the Year Ended December 31, 2020 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated Financial Statements as of December 31, 2020

Table of contents 

Auditors' reports 

The financial statements 

Consolidated statements of financial position 

Consolidated statements of income 

Consolidated statements of comprehensive income 

Consolidated statements of changes in equity 

Consolidated statements of cash flows 

Notes to the consolidated financial statements 

1 

2 

3 

4 

5 

6 

7 

8 

9 

10 

11 

12 

13 

14 

15 

16 

17 

18 

19 

20 

21 

22 

23 

24 

25 

26 

27 

28 

29 

General 

Basis of preparation of the financial statements 

Accounting policy principles 

Cash and cash equivalents 

Investments  

Trade receivables 

Income taxes 

Broadcast rights, net of rights exercised  

Leases 

Property, plant and equipment 

Intangible assets 

Deferred expenses and non-current investments 

Investee companies 

Bank loans and debentures 

Trade and other payables 

Provisions 

Employee benefits 

Contingent liabilities 

Engagements 

Collateral, liens and guarantees 

Capital 

Revenue 

Operating and general expenses 

Salaries 

Other operating expenses (income), net 

Financing expenses (income), net 

Profit per share 

Segment reporting 

Related parties transactions  

Page 

3 

6 

8 

8 

9 

10 

11 

15 

17 

32 

32 

33 

35 

38 

45 

Error! 
Bookmark 
not 
defined. 

50 

51 

53 

57 

64 

64 

65 

68 

71 

72 

74 

76 

76 

77 

77 

78 

78 

79 

84 

 
 
 
Consolidated Financial Statements as of December 31, 2020

30 

Financial instruments 

Summary  of  selected  data  from 
the  financial  statements  of  Bezeq  –  The  Israel 
Telecommunications Company Ltd., Pelephone Communications Ltd., Bezeq International Ltd. 
and DBS Satellite Services (1998) Ltd. 

Subsequent events 

31 

32 

89 

97 

101 

 
Somekh Chaikin 
KPMG Millennium Tower 
17 HaArbaa Street P.O.B. 609 
Tel Aviv 6100601 
8000 684  03 

Auditors' report to the shareholders of B Communications Ltd. the Israel Telecommunications 
Corporation Ltd. 

We  audited  the  consolidated  financial  statements  of  B  Communications  Ltd.  (hereinafter  –  “the 
Company”)  as  of  December  31,  2020  and  2019  and  the  consolidated  statements  of  income, 
comprehensive profit, changes in equity and cash flows for each of the three years in the period ended 
On December 31, 2020. These financial statements are the responsibility of the Company's Board of 
Directors and Management. It is our responsibility to express an opinion on these financial statements 
based on our audit. 

We have not audited the financial statements of consolidated companies whose assets included in the 
consolidation constitute approximately 1% of the total consolidated assets as of December 31, 2019, 
and  their  revenues  included  in  the  consolidation  constitute  approximately  1%  of  total  consolidated 
revenues for the years ended December 31, 2019 and 2018. The financial statements of those companies 
have been audited by other auditors whose reports have been presented to us and our opinion, insofar as 
it relates to the amounts included in respect of those companies, is based on the reports of the other 
auditors. 

We conducted our audit in accordance with generally accepted auditing standards in Israel, including 
standards set forth in the Auditors Regulations (Mode of Performance), 5733-1973. According to these 
standards, we are required to plan and perform the audit with the aim to obtain a reasonable degree of 
assurance that the separate financial information does not constitute a material misstatement. Our audit 
includes a sample examination of evidence supporting the amounts and details contained in the separate 
financial information. Our audit also includes evaluating the appropriateness of accounting policies used 
and  the  reasonableness  of  accounting  estimates  made  by  the  Company’s  Board  of  Directors  and 
Management, as well as evaluating the overall adequacy of the presentation of the financial statements. 
We believe that our audit and the reports of the other auditors provide an adequate basis for our opinion. 

In our opinion, based on our audit and the reports of other auditors, the aforesaid consolidated financial 
statements  adequately  reflect,  in  all  material  respects,  the  financial  position  of  the  Company  and  its 
subsidiaries as of December 31, 2020 and 2019 and the results of their operations, changes in equity and 
cash  flows  for  each  of  the  three  years  in  the  period  ended  December  31,  2020  in  accordance  with 
International  Financial  Reporting  Standards  (IFRS)  and  the  provisions  of  the  Securities  Regulations 
(Annual Financial Statements), 5770-2010. 

We  also  audited,  in  accordance  with  Audit  Standard  (Israel)  911  of  the  Institute  of  Certified  Public 
Accountants in Israel "Audit of Internal Control Components of Financial Reporting", Internal Control 
Components of Financial Reporting of the Company as of December 31, 2020, and our report of March 
24, 2021 included a negative opinion on said components due to the existence of material vulnerabilities. 

2 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Without limiting our above conclusion, we draw attention to what is stated in Note 1.3, which refers to 
what  is  stated  in  Note  1.3  to  the  annual  consolidated  financial  statements,  regarding  the  Securities 
Authority's investigation into suspicions of committing offenses under the Securities Law and the Penal 
Code concerning, inter alia, transactions related to the former controlling shareholder and the transfer 
of the case to the State Attorney's Office, as well as what is stated in said note regarding the filing of an 
indictment against the former controlling shareholder in the Company, for various offenses, including 
offenses of bribery and intentional misstatement in an immediate report. As stated in the above note, at 
this stage, the Company is unable to assess the effects of the investigations, their findings and results on 
the Company as well as on the financial statements and estimates used in the preparation of these reports, 
if any. 

In addition, without limiting our above opinion, we draw attention to what is stated in Note 19 regarding 
claims filed against the Company and the exposure in respect of which cannot be assessed or calculated 
at this stage.  

Somekh Chaikin 
Certified Public Accountants 

March 24, 2021 

Somekh Chaikin, Israeli partnership and a member of the KPMG network of independent firms 
incorporated  u n d e r   t h e   Swiss entity K P M G   I n t e r n a t i o n a l   C o o p e r a t i v e   ( " K P M G   I n t e r n a t i o n a l " )  

3 

 
 
 
 
 
 
 
Somekh Chaikin 
KPMG Millennium Tower 
17 HaArbaa Street P.O.B. 609 
Tel Aviv 6100601 
8000 684  03 

Auditors' report to the shareholders of "B Communications Ltd.” on the audit of components of 
internal  control  over  financial  reporting  in  accordance  with  Article  9B  (c)  of  the  Securities 
Regulations (Periodic and Immediate Reports), 5733-1970 

We  audited  components  of  internal  control  over  financial  reporting  of  "B  Communications  Ltd." 
(hereinafter – “the Company") as of December 31, 2020. These control components were determined as 
explained in the next paragraph. The Company's Board of Directors and Management are responsible 
for effective internal control over financial reporting and for their evaluation of the effectiveness of the 
components of internal control over financial reporting attached to the periodic report for the above date. 
It is our responsibility to provide an opinion on the components of internal control over the Company's 
financial reporting based on our audit. 

Components of internal control over financial reporting that have been audited have been determined in 
accordance with Auditing Standard (Israel) 911 of the Institute of Certified Public Accountants in Israel, 
"Auditing of Internal Control Components of Financial Reporting" (hereinafter  - "Auditing Standard 
(Israel) 911"). These components are: 
(1) Organizational level controls, including controls on the process of preparing and closing financial 
reporting;  

(2) Controls over cash flow and debt management;  

We conducted our audit in accordance with Audit Standard (Israel) 911. This Standard requires us to 
plan  and  perform  the  audit  with  an  aim  to  identify  the  audited  control  components  and  achieve  a 
reasonable degree of confidence that these control components have been effectively complied with in 
all  material  respects.  Our  audit  included  gaining  an  understanding  of  internal  control  over  financial 
reporting, identifying the audited control components, assessing the risk of a material vulnerability in 
the audited control components, and examining and evaluating the design and operational effectiveness 
of those control components based on the assessed risk. Our audit regarding those control components 
also included performing other procedures that we deemed necessary depending on the circumstances. 
Our audit referred only to the audited control components, as opposed to an internal audit of all material 
processes in connection with the financial reporting, and therefore our opinion relates only to the audited 
control components. Also, our review did not address the interactions between the audited and unaudited 
control components  and therefore,  our  opinion  does not take into  account  such  possible  effects.  We 
believe that our audit provides a proper basis for our opinion in the context described above. 

Due to understandable limitations, internal control over financial reporting in general, and components 
thereof in particular, may not prevent or detect misstatement. Also, drawing conclusions about the future 
based on any current effectiveness assessment is prone to the risk that controls will become inadequate 
due to changes in circumstances or that the degree of compliance with the policies or procedures will 
change adversely. 

A  material  vulnerability  is  a  defect,  or  combination of  defects, in  the  internal control  over financial 
reporting, to the extent of a reasonable possibility that a material misstatement in the Company's annual 
or quarterly financial statements will not be avoided or detected in a timely manner. 

The following significant vulnerabilities in the audited control components were identified and included 
in the assessment of the Board of Directors and Management: 

4 

 
 
 
 
 
 
 
 
 
 
Significant  vulnerabilities  in  the  internal  control  over  financial  reporting  in  the  controls  at  the 
organization  level  and in  the  controls  on the  process  of  preparing and  closing  financial  reporting as 
described in the assessment of the Company's Board of Directors and Management.  

These material vulnerabilities have been taken into account in determining the nature, timing and scope 
of the audit procedures applied in our audit of the Company's financial information as of December 31, 
2020 and the year ended on that date, and this report does not affect our  report of the said financial 
statements. 

In our opinion, due to the impact of the material vulnerabilities identified above on the achievement of 
the control objectives, the Company did not effectively maintain the audited control components as of 
December 31, 2020. 

As described in the report regarding the effectiveness of the internal control over the financial reporting 
and disclosure as of December 31, 2020 of B Communications Ltd. (hereinafter - "the Corporation"), 
regarding the investigations by the Israel Securities Authority and the Israel Police, as specified in Note 
1.3 to this report, the Corporation does not have complete information regarding these investigations, 
their  content,  and  the  relevant  materials  and  evidence  in  the  possession  of  the  law  authorities. 
Accordingly,  the  Corporation  is  unable to  assess  the effects  of the  investigations,  their  findings  and 
results on the Company as well as the financial statements and estimates used in the preparation of these 
reports, if any. 

We  also  audited,  in  accordance  with  auditing  standards  generally  accepted  in  Israel,  the  Company's 
consolidated financial statements as of December 31, 2020 and 2019 and for each of the three years 
ended December 31, 2020 and our report, dated March 24, 2021, included an unconditional opinion on 
those financial statements. Based on our audit and the reports of the other auditors, as well as references 
to  the  contents  of  Note  1.3  regarding  the  Securities  Authority's  investigation  into  suspicions  of 
committing  offenses  under  the  Securities  Law  and  the  Penal  Code  concerning  Filing  an  indictment 
against the former controlling shareholder in the Company, for various offenses, including offenses of 
bribery and intentional misstatement in an immediate report. As stated in the above note, at this stage 
the  Company  is  unable  to  assess  the  effects  of  the  investigations,  their  findings  and  results  on  the 
Company as well as on the financial statements and estimates used in the preparation of these reports, 
if any. In addition, without limiting our above opinion, we draw attention to what is stated in Note 18 
regarding claims filed against the Company and the exposure in respect of which cannot be assessed or 
calculated at this stage.  

Somekh Chaikin 
Certified Public Accountants 

March 24, 2021 

Somekh Chaikin, Israeli partnership and a member of the KPMG network of independent firms 
incorporated  u n d e r   t h e   Swiss entity K P M G   I n t e r n a t i o n a l   C o o p e r a t i v e   ( " K P M G   I n t e r n a t i o n a l " )  

5 

 
 
 
 
 
 
 
 
 
 
 
Consolidated financial statements as of December 31, 2020 

Consolidated statements of financial position as of December 31 

Assets 

Cash and cash equivalents  

Restricted cash 

Investments 

Trade receivables 

Other receivables 

Inventory  

Assets held for sale 

Total current assets 

Other long-term trade receivables 

Broadcasting rights, net of rights exercised  

Right-of-use assets 

Property, plant and equipment 

Intangible assets 

Deferred expenses and non-current investments 

Deferred tax assets 

Total non-current assets  

Total assets  

* Reclassified

2020 

2019 

Note 

NIS millions 

NIS millions 

4.3.3 

5,3.3 

3.3, 6 

3.3, 6 

3.10 

3.3, 6 

3.4, 8 

3.7, 9 

3.5, 10 

3.6, 11 

12 

3.16, 7 

894 

- 

881 

1,621 

180 

73 

10 

814 

39 

1,241 

1,677 

342 

96 

43 

3,659 

4,252 

514 

67 

1,804 

6,131 

3,268 

402 

108 

12,294 

477 

59 

1,217 

*5,968 

*3,167 

*343 

81 

11,312 

15,953 

15,564 

6 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated financial statements as of December 31, 2020 

Consolidated statements of financial position as of December 31 (cont.) 

2020 

2019 

Note 

NIS millions 

NIS millions 

Bank loans and debentures 

Current maturities of liabilities in respect of leases 

Trade and other payables  

Employee benefits 

Provisions  

 Total current liabilities 

Loans and bonds 

Liabilities in respect of leases 

Employee benefits 

Derivatives and other liabilities 

Deferred tax liabilities 

Provisions 

Total non-current liabilities 

Total liabilities 

3.3, 14 

3.7, 9 

15 

3.12, 17 

3.13, 16 

3.3, 14 

3.7, 9 

3.12, 17 

3.16, 7 

3.13, 16 

Capital (capital deficit): 

21 

Attributed to the shareholders of the Company 

Attributed to non-controlling interests 

Total capital (capital deficit) 

785 

415 

1,766 

482 

117 

3,565 

9,485 

1,492 

335 

307 

290 

52 

1,007 

416 

1,627 

654 

125 

3,829 

10,412 

969 

356 

139 

*248 

49 

11,961 

12,173 

15,526 

16,002 

(107) 

534 

427 

(241) 

(197) 

(438) 

Total liabilities and capital (capital deficit) 

15,953 

15,564 

* reclassified 

Darren Glatt 
Chairman of the Board of 
Directors 

Tomer Raved 
CEO 

Itzik Tadmor 
Chief Financial Officer 

Date of approval of the financial statements: March 24, 2021. 

The notes attached to the consolidated financial information form an integral part thereof.

7 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated financial statements as of December 31, 2020 

Consolidated statements of income for the year ended December 31 

2020 

2019 

2018 

Note 

NIS millions 

NIS millions 

NIS millions 

3.14, 22 

8,723 

8,929 

9,321 

Revenue 

Operating expenses 

Operating and general expenses  

Salaries 

23 

24 

Depreciation, amortization and impairment 

9,10,11,12 

Impairment loss 

Other operating expenses (income), net 

11 

25 

Total operating expenses 

Operating profit (loss) 

Financing expenses (revenue)  

3.15, 26 

Financing expenses 

Financing revenue 

Financing expenses, net 

Profit (loss) after financing expenses, net 

Share of loss of equity accounted investees 

Profit (loss) before income taxes 

Income taxes 

3.16, 7 

Net profit (loss)  for the year  

Profit (loss) attributed to the shareholders 
of the Company 

Profit (loss) attributed to non-controlling 
interests 

Net profit (loss) for the year 

Profit (loss) per share (NIS) 

27 

3,182 

1,894 

1,858 

8 

73 

7,015 

1,708 

525 

(51) 

474 

1,234 

- 

1,234 

334 

900 

157 

743 

900 

3,321 

1,937 

2,064 

*1,329 

(188) 

8,463 

466 

738 

(266) 

472 

(6) 

2 

(8) 

*1,452 

(1,460) 

3,428 

1,995 

2,388 

2,324 

635 

10,770 

(1,449) 

620 

(89) 

531 

(1,980) 

3 

(1,983) 

(67) 

(1,916) 

(853) 

(1,066) 

(607) 

(850) 

(1,460) 

(1,916) 

Basic diluted profit (loss) per share 

1.38 

(19.7) 

(36.5) 

Consolidated statements of comprehensive profit for the year ended December 31 

* reclassified 

8 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Profit (loss) for the year 

Reassessment of a defined benefit plan, net of tax 

Other comprehensive profit (loss) items (net of tax)  

Total comprehensive profit (loss) for the period 

Attributable to: 

Shareholders of the Company 

Non-controlling interests 

Total comprehensive profit (loss) for the period 

2020 

2019 

2018 

NIS millions 

NIS millions 

NIS millions 

900 

(9) 

(5) 

886 

154 

732 

886 

(1,460) 

(1,916) 

(33) 

1 

16 

26 

(1,492) 

(1,874) 

(862) 

(630) 

(1,492) 

(1,055) 

(819) 

(1,874) 

The notes attached to the consolidated financial information form an integral part thereof.

9 

 
 
 
 
 
 
 
 
 
Consolidated financial statements as of December 31, 2020 

Consolidated statements of changes in equity for the year ended December 31 

Share 
capital 

Share  
Premium 

Treasury 
shares 

NIS 
millions 

NIS 
millions 

NIS 
millions 

Other 
reserves 

NIS 
millions 

Retained 
earnings 
(Deficit) 

NIS 
millions 

Total 

NIS 
millions 

Non-
controlling 
interests 

Total 

NIS 
millions 

NIS 
 millions 

 Balance as of January 1, 2018 

3 

1,057 

(*) 

(45) 

214 

1,229 

1,757 

2,986 

Dividend distributed to non-
controlling interests (Note 21) 

Loss for the year 2018 

Other comprehensive income for 
the year, net of tax 

 Total comprehensive loss for 
the year 2018 

 Balance as of December 31, 
2018 

Issuance of shares  

Loss for the year 2019 

Other comprehensive income for 
the year, net of tax 

 Total comprehensive loss for the 
year 2019 

 Balance as of December 31, 
2019 

Acquisition of non-controlling 
interests 

Net compensation for the Horev 
Claim (See Note 18)  

Profit for the year 2020 

Other comprehensive (profit) loss 
for the year, net of tax 

 Total comprehensive profit for 
the year 2020 

Balance as of December 31, 
2020 

- 

- 

- 

- 

3 

9 

- 

- 

- 

- 

- 

- 

- 

1,057 

438 

- 

- 

- 

- 

- 

- 

(*) 

- 

- 

7 

7 

- 

- 

(1,066) 

(1,066) 

(505) 

(850) 

(505) 

(1,916) 

4 

11 

31 

42 

(1,062) 

(1,055) 

(819) 

(1,874) 

(*) 

(38) 

(848) 

174 

447 

433 

- 

607 

447 

- 

- 

- 

- 

(*) 

- 

- 

- 

- 

(853) 

(853) 

(607) 

(1,460) 

(9) 

(9) 

(23) 

(32) 

(862) 

(862) 

(630) 

(1,492) 

12 

1,495 

(*) 

(38) 

(1,710) 

(241) 

(197) 

(438) 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

(1) 

(1) 

(39) 

(39) 

(1) 

(40) 

19 

157 

19 

157 

- 

743 

19 

900 

(2) 

(3) 

(11) 

(14) 

155 

154 

732 

886 

12 

1,495 

(*) 

(39) 

(1,575) 

(107) 

534 

427 

(*) Represents an amount less than NIS 1 million. 

The notes attached to the consolidated financial information form an integral part thereof. 

9 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated financial statements as of December 31, 2020 

Consolidated statements of cash flows for the year ended December 31 

Cash flows from operating activities 

Profit (loss) for the year 
Adjustments: 
Depreciation and amortization 
Impairment loss 

Cancellation of impairment loss 
Capital gain, net 

Share of loss of equity accounted investees 
Financing expenses, net 

Income tax expenses 

Change in other trade receivables 
Change in inventory 

Change in trade and other payables 
Change in provisions 

Change in employee benefits 
Change in other liabilities 

Income tax paid, net 

 Net cash derived from operating activities 

Cash flows from investing activities 

2020 

2019 

2018 

Note 

NIS millions 

NIS millions 

NIS millions 

900 

(1,460) 

(1,916) 

9,10,11,12 
11 

11 
26 

27 

7 

6 

16 
17 

18 

1,858 
266 

(258) 
(40) 

- 
507 

334 

56 
13 

17 
(8) 

(192) 
(1) 

(243) 

3,209 

2,064 
*1,329 

(475) 

2 
416 

*1,452 

105 
(19) 

(77) 
(49) 

(50) 
(8) 

(325) 

2,905 

(1,067) 

(577) 

(2,618) 

Purchase of property, plant and equipment 
Investment in intangible assets and deferred expenses 

10 
11.12 

(1,133) 
(366) 

(1,095) 
(382) 

Investment activity, net 
Revenue from the sale of property, plant and equipment 

Deposit to restricted cash 
Tax payments regarding the sale of the "Sakia" property 

Receipt from the sale of Walla, net 
Miscellaneous  

Net cash used for investing activities 

Cash flows from financing activities 

Issuance of bonds and receipt of loans 
Acquisition of non-controlling interests 

Repayment of debentures and loans 
Principal and interest payments in respect of leases 

Net compensation in respect of the Horev Claim 
Receipt from issue of shares, net 

Dividend paid to non-controlling interests 
Interest paid 

13 
13 

15 

15 
9 

18 

22 
15 

Costs in respect of early repayment of loans and bonds 
Payment for expired hedging transactions 

15.2 

Miscellaneous 

222 
148 

- 
- 

44 
18 

569 
404 

(39) 
(69) 

- 
35 

718 
(40) 

(1,828) 
(391) 

(3) 
- 

- 
(392) 

(65) 
(57) 

(4) 

2,275 
- 

(4,287) 
(414) 

- 
447 

- 
(496) 

(93) 
(46) 

(4) 

Net cash used for financing activity  

(2,062) 

(2,618) 

Net increase (decrease) in cash and cash equivalents 
Cash and cash equivalents as of January 1 

Cash and cash equivalents at the end of the year 

82 
80 
814 

894 

(290) 
(290) 
1,104 

814 

* reclassified 
The notes attached to the consolidated financial information form an integral part thereof.

10 

2,388 
2,324 

(13) 

3 
541 

(67) 

266 
(5) 

(138) 
81 

489 
- 

(467) 

3,486 

(1,216) 
(390) 

(1,168) 
315 

- 
(201) 

- 
42 

1,139 
- 

(1,793) 
(422) 

- 
- 

(505) 
(523) 

- 
(36) 

(10) 

(2,150) 

(1 
(1,282) 
2,386 

1,104 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

1.  General 

1.1.  The reporting entity 

B Communications Ltd. (hereinafter "the Company") is a company registered in Israel, 
headquartered at 144 Menachem Begin Street, Tel Aviv, and whose shares are traded on 
the  Tel  Aviv  Stock  Exchange  (regarding  the  delisting  of  the  Company's  shares  from 
trading on NASDAQ, see Note 21.1.4). The Group's consolidated financial statements as 
of December 31, 2020, include those of the Company and its subsidiaries (hereinafter 
“the Group"), as well as the rights of the Group in affiliated companies. 

On  April  14,  2010,  the  company  acquired 30.44%  of  the  shares  of  Bezeq, the largest 
communications  group  in  Israel,  and  became  the  controlling  owner  of  the  company. 
Bezeq's ordinary shares are listed for trading on the Tel Aviv Stock Exchange. 

As of December 31, 2020, the Company holds approximately 26.72% of the issued share 
capital of Bezeq. 

1.2.  Control of the Company 

As of December 2, 2019, Searchlight Capital Partners, through its subsidiary Searchlight 
II BZQ (hereinafter “Searchlight”) and the Forer family that controls TNR Investments 
Ltd. (hereinafter “the Forer Family”) have completed the acquisition of control of the 
Company  in  such  manner  that  Searchlight  holds  60.18%  and  the  Forer  Family  holds 
11.39% of the Company's ordinary and issued shares. 

1.3.  Investigation by the Securities Authority and the Police  

1.3.1  During 2017 and 2018, the Israel Securities Authority and the Israel Police 
conducted  investigations  into  suspicions  of  committing  offenses  under  the 
Securities Law and the Penal Code, 5737-1977 (the "Penal Code"), regarding 
transactions related to Bezeq's former controlling shareholder and the former 
Chairman  of  Bezeq’s  Board  of  Directors,  Mr.  Shaul  Elovitch  ("Elovitch") 
regarding  the  purchase  of  DBS  shares  and  the  provision  of  satellite 
communication services to DBS, the Ministry of Communications' dealings 
with  Bezeq  ("the  DBS  Case")  and  suspicions  of  the  exercise  of  powers  by 
Prime Minister Binyamin Netanyahu, to promote issues related to Elovitch’s 
business and his and Bezeq Group's economic interests. ("Case 4000 Case"). 
Following the investigations, indictments were filed and notices were received 
as follows: 

1.3.1.1.  On  January  28,  2020,  an  indictment  was  filed  with  the  Jerusalem 
District  Court  against  Elovitch  for  various  offenses,  including 
offenses  of  bribery  and  intentional  misstatement  in  an  immediate 
report  in  connection  with  suspicions  of  abuse  of  power  by  Prime 
to 
Minister  Binyamin  Netanyahu,  promoting 
Elovitch’s business and his and Bezeq Group's economic interests. 

issues  related 

1.3.1.2.  On December 23, 2020, Bezeq received a notice from the Tel Aviv 
District  Attorney's  Office  (Taxation  and  Economy)  regarding  the 

11 

 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

consideration of Bezeq's prosecution and its invitation to a hearing 
in Case 4000 (“the Notice"), according to which: 
a.  After examining the evidence before him, the Attorney General 
is considering filing an indictment against Bezeq on suspicion of 
bribery (an offense under Article 291 of the Penal Code and 
Article 23 of the Penal Code), and a reporting offense with the 
aim of misleading a reasonable investor (offense under Article 
53(a)(4) of the Securities Law and Article 23 of the Penal Code). 

b.  According to the Notice, according to the suspicion, Bezeq's 

criminal responsibility for the offense of bribery stems from the 
actions and criminal thoughts of Elovitch, who was its organ in 
the period relevant to the suspicions. 

c.  Also, according to the Notice, according to the suspicion, 

Bezeq's criminal responsibility for the reporting offense stems 
from the actions and criminal thought of Elovitch who was its 
organ in the period relevant to the suspicions, and the actions and 
criminal thought of Stella Handler (former Bezeq CEO), who 
was Bezeq's organ at the relevant time (see Note 1.3.1.3b). 
According to the allegation in this context, Bezeq reported on a 
letter from the Director General of the Ministry of 
Communications that allegedly included a misleading 
presentation (of which Elovitch and Stella Handler were aware), 
and only after the intervention of senior legal advisers was the 
letter corrected and reported by Bezeq to the public. 

d.  According to the announcement, before the Attorney General 
makes a final decision regarding the criminal prosecution of 
Bezeq, and insofar as Bezeq wishes to argue against the 
possibility of criminal prosecution, it must coordinate a 30-day 
hearing within 90 days of the Notice, and submit written 
arguments two weeks before the date determined for the hearing.  

e.  It should be noted that Walla (Bezeq's former subsidiary) 

received a similar notice according to which, after examining the 
evidence before him, the Attorney General is also considering 
filing an indictment against Walla on suspicion of bribery (an 
offense under Article 291 of the Penal Code and Article 23 of the 
Penal Code), while according to the suspicion, Walla's criminal 
responsibility for the bribery offense stems from Elovitch’s 
criminal actions and thought which was its organ in the period 
relevant to the suspicions. 

Bezeq and Walla have received the core of the investigation material relating 
to the above suspicions, they are studying the notices and preparing for the 
hearing,  and  they  intend  to  argue  at  the  hearing  against  the  possibility  of 
criminal prosecution. 

12 

 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

1.3.1.3.  On December 23, 2020, to the best of Bezeq's knowledge, a notice 
was issued by the State Attorney's Office, according to which, among 
other things, the State Attorney's Office (Taxation and Economics) 
filed with the Tel-Aviv Court’s Economic Department, on the same 
day,  an  indictment  against  Elovitch,  as  well  as  former  senior 
executives  in  the  Bezeq  Group  and  DBS,  Or  Elovitch,  Amikam 
Shorer, Linor Yochelman, Ron Eilon and Miki Neiman as part of the 
DBS case. According to the publication: 

a.  The  indictment  attributes  to  the  defendants  the  offenses  of 
aggravated obtainment by fraud, fraud and breach of trust in a 
corporation, and reporting offenses under the Securities Law, in 
relation  to  two  cases:  Fraud  in  relation  to  the  payment  of  the 
consideration  for  the  purchase  of  DBS  shares  by  Bezeq,  and 
fraud in relation to the conduct of the independent committees 
established  by  Bezeq  for  the  purpose  of  examining  Bezeq 
transactions in which Elovitch had a personal interest. 

b.  The State Attorney's Office (Taxation and Economics) entered 
into a conditional settlement agreement under the Securities Law 
with Stella Handler, in which Stella Handler admitted the facts 
according to which she was involved in intentional misstatement 
in  Bezeq's  reports.  In  accordance  with  what  is  stated  in  the 
arrangement,  the  DBS  case  was  closed  in  the  case  of  Stella 
Handler. 

c.  The investigation files in respect of other suspects investigated 
in the cases mentioned above were closed, including against the 
former VP of regulation at Bezeq, as well as against Or Elovitch 
and Amikam Shorer (in relation to both - except with regard to 
the DBS Case as indicated in the preamble of this section). 

1.3.1.4.  Regarding DBS, which on November 20, 2017, received a "letter of 
suspect  notification"  according  to  which  the  investigation  file  in 
which it was questioned as a suspect was transferred to the State 
Attorney's  Office  for  review  -  in  accordance  with  the  State 
Attorney's  Office's  notice  received  by  DBS,  after  the  Securities 
Authority's  case  in  which  it  was  questioned  as  a  suspect  was 
reviewed by the State Attorney's Office, it was decided on January 
11, 2021 to shelf the case against it, without filing an indictment. 

It should be noted that following the opening of such investigations, a number 
of  civil  legal  proceedings  were  initiated  against  Bezeq  and  DBS,  Bezeq’s 
officers  in  the  relevant  period,  as  well  as  companies  of  Bezeq’s  former 
controlling group, including motions for approval of class actions and motions 
for  disclosure  of  documents  prior  to  filing  a  derivative  claim.  For  details 
regarding these procedures, see Note 18. 

1.3.2 

1.3.3  Bezeq does not yet have complete information regarding the investigations, 
plans, materials and evidence in the possession of the law authorities in the 
matter (although in January 2021, Bezeq received the core of the investigation 
material  in  connection  with  Case  4000,  following  Bezeq's  summons  to  a 

13 

 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

hearing on this matter as detailed in the above section 1.3.1.2). In accordance, 
Bezeq is not yet able to assess the effects of the investigations, their findings 
and their results on Bezeq, as well as the financial statements and estimates 
used  in  the  preparation  of  these  reports,  if  any.  Upon  the  lifting  of  the 
restriction on conducting tests and inspections related to issues that arose in 
the course of the investigations, the tests shall be completed as necessary with 
respect to matters that arose in the framework of said investigations. 

1.4 

Pandemic - Outbreak of COVID-19 

The beginning of 2020 saw a worldwide outbreak of the Coronavirus (COVID-19) 
which is an event with many implications, including macroeconomic. Following 
the epidemic, many countries, including Israel, are taking significant steps in an 
attempt to prevent the spread of the virus, such as restrictions on the movement of 
citizens, gatherings, transport restrictions on passengers and goods, closing borders 
between  countries,  and  so  on.  As  a  result,  the  incident  and  the  actions  taken  as 
aforesaid  have  significant  implications  for  many  economies  as  well  as  for  the 
capital markets in the world. 

During  2020,  as  a  result  of  the  COVID-19  epidemic  crisis,  there  was  an  injury 
mainly to revenues from Pelephone’s roaming services, as well as a certain injury 
to revenues from the business segment in all Bezeq Group companies, when the 
total impact of the pandemic on the financial situation and business position of the 
Group  companies  was  mixed,  while  the  increase  in  Bezeq’s  activity  along  with 
actions taken by the Group's companies in light of the consequences of the incident 
offset most of the damage to revenue from roaming services.  

It should be noted that tests carried out by the Group companies indicate that at this 
point, the COVID-19 crisis had no material impact on the Group companies’ ability 
to  meet  the  repayment  of  liabilities  and  on  the  indices  of  assets  and  liabilities, 
impairment of assets and recognition of expected credit losses. In addition, there 
was no material impact on critical estimates and considerations. 

As of the date of approval of these financial statements, Bezeq Group's working 
assumption  regarding  the  continued  spread  of  the  COVID-19  pandemic  is  that 
measures to limit the spread of the virus will continue at varying intensities during 
2021 along with a long and gradual recovery in aviation and international tourism. 
Accordingly, and subject to the above assumptions, Bezeq Group expects that the 
effects of the COVID-19 pandemic on its activities will be mainly reflected in the 
damage to Pelephone's revenues from roaming services, as a result of the effects of 
the  spread  of  the  pandemic  on  the  aviation  and  international  tourism  segments, 
without significant adverse effects in other areas of activity.  

At the same time, it is a variable incident which is not in the Group’s control, and 
therefore  the  continuation  or  exacerbation  of  the  crisis  beyond  the  Group's 
assumptions as set forth above, if any, may materially adversely affect the Group's 
results. These effects may be reflected, inter alia, in injury, beyond the estimates 
as  stated  above,  to  income  from  roaming  services,  as  well  as  to  the  Group 
companies' revenues from the business segment, revenues from the sale of cellular 
end  equipment,  employee  availability,  customer  service  and  technician  activity 

14 

 
Notes to Consolidated Financial Statements as of December 31, 2020 

systems, the supply chain, and the amounts and dates of collection from the Group's 
customers.  

The  Group’s  preparation  as  stated  above  may  vary  depending  on  various 
developments regarding the COVID-19 pandemic and its effects, in particular the 
duration and extent of the incident, the nature and extent of the economic and other 
restrictions that accompany it, as well as the intensity and duration of the economic 
recession that will develop as a result. 

1.5 

Restatement  

As part of the preparation of the quarterly report for September 30, 2020, Bezeq 
International found that there are discrepancies between the assets and liabilities 
listed in its books and the actual assets and liabilities, resulting, among other things, 
from  non-imputation  of  costs  from  previous  years  due  to  advance  payments  to 
suppliers. 

In  light  of  the  above  findings,  on  December  21,  2020  the  Company  restated  Its 
financial statements for 2019 (including comparative data for 2018 and 2017), in 
order to retroactively reflect the effect the correction of the discrepancies as stated.  

Comparative data that are included in these financial statements are data after the 
restatement. 

1.6 

Definitions 

In these financial statements: 
The Company 
The Group 
Bezeq 

B Communications Ltd. 
The Company and its subsidiaries 

DBS 
Subsidiaries 

Affiliated 
companies 

Investee 
companies 
Related party 

Bezeq  Israel  Telecommunications  Corporation  Ltd.  and 
its 
subsidiaries  whose  reports  are  fully  consolidated,  directly  or 
indirectly, with the Company's reports as detailed in Note 13. 
DBS Satellite Services (1998) Ltd. 

Companies  whose  financial  statements  are  consolidated  in  full, 
directly or indirectly, in the financial statements of the Company 

Companies  that  the  Group's  investment  in  which  is  included, 
directly or indirectly, in the financial statements based on the equity 
method 
Subsidiaries or affiliates 

As  defined  in  International  Accounting  Standard  24  regarding 
related parties 

Stakeholders 

Within  the  meaning  thereof  in  Paragraph  (1)  of  the  definition  of 

"stakeholder"  in  a  corporation  in  Article  1  of  the  Securities  Law, 

15 

 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

5728-1968 

CPI 

The Consumer Price Index published by the Central Bureau of 

Statistics  

2.  Basis of preparation of the financial statements 

2.1.  Declaration of compliance with international financial reporting 

standards 
The  consolidated financial  statements  have  been  prepared  by  the  Group  in  accordance 
with International Financial Reporting Standards (hereinafter: "IFRS") and in accordance 
with the Securities Regulations (Annual Financial Statements), 5770-2010. 
The consolidated financial statements were approved by the Board of Directors on March 
24, 2021. 

2.2.  The currency of the activity and the currency of the statements 

The consolidated financial statements are presented in new shekels, which is the currency 
of the Group's activity and is rounded to the nearest million. The shekel is the currency 
that represents the main economic environment in which the Group operates. 

2.3.  The basis for measurement 

The consolidated financial statements have been prepared on the basis of historical 
cost, with the exception of the following items: 

•  Derivative financial instruments, measured at fair value through income 
• 
Inventory measured as cost or net exercisable value, whichever is lower 
•  Deferred tax assets and liabilities 
•  Provisions 
•  Assets and liabilities in respect of employee benefits 

For more information regarding the measurement of these assets and liabilities, see 
Note 3 regarding the main principles of accounting policy. 

2.4.  Operating cycle period 

The Group's operating cycle does not exceed one year. therefore, Current assets and 
current liabilities include items that are intended and expected to materialize within 
one year from the date of the financial statements. 

2.5.  Format of expense analysis recognized in the statement of income  

Costs  and  expenses  in  the  statement  of  income  are  presented  and  analyzed 
according to a classification method based on the nature of the expenses. The said 
classification  is  appropriate  for  understanding  the  business  of  the  Group,  which 
deals with a wide range of services provided through a common infrastructure. All 
costs and expenses are used To provide the services. 

16 

 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

2.6.  Use of estimates and discretion 

In  preparing  the  financial  statements  in  accordance  with  IFRS,  the  Group's 
Management is required to use discretion, assessments, estimates and assumptions 
that  affect the  implementation  of  accounting  policies and  amounts  of assets  and 
liabilities, income and expenses. It is  hereby clarified that the actual results may 
differ from these estimates. 

Estimates  and  assumptions  are  reviewed  on  an  ongoing  basis.  Changes  in 
accounting  estimates  are  recognized  in  the  period  in  which  the  estimates  were 
updated and in any future period affected. 

The  following  is  information  regarding  significant  estimates  and  discretion,  a 
change in estimates and assumptions in respect of which has the potential to have 
a material effect on the financial statements: 

Topic 
Measuring the 
recoverable amounts 
of cash-generating 
units  
Deferred taxes 

Determining the 
lease period 

Duration and 
expected operation 
of property, plant 
and equipment, 
intangible assets and 
other long-term 
assets 
Uncertain tax 
positions 

Provisions and 
contingent 
liabilities, including 
levies 

17 

Main discounts 
Assuming the expected cash flows 
from the cash-generating units  

Possible consequences 
Recognition of impairment 
loss or cancellation of 
impairment loss 

Reference 
Note 11 

Discount on the expected exercise of 
the tax benefit in the future, 
including the assumption that it is 
more likely than not that transferred 
losses accrued in DBS for tax 
purposes will not be used 
For the purpose of determining the 
lease period, the Group takes into 
account the period during which the 
lease cannot be canceled, including 
extension options that are likely to 
be exercised and / or options for 
cancellation that are likely to be 
exercised 
Assumptions regarding the life 
duration of fixed asset groups, 
intangible assets and other assets 

The degree of uncertainty regarding 
the accepting of the Group's tax 
positions (uncertain tax positions) 
and the risk that tax and interest 
expenses will be higher or lower 
than the expenses included in the 
reports. This is based on an analysis 
of a number of factors, including 
interpretations of the tax laws and 
the Group's past experience 
Assessing the likelihood of claims 
against the Group companies and 
measuring the potential liabilities 
relating to the claims  

Recognition of deferred tax 
asset 

Note 7 

9 

Increase or decrease in the 
measurement of right-of-use 
asset and liability in respect 
of lease and in depreciation 
and financing expenses in 
subsequent periods 

Notes 
10,11,12 

Change in the value of 
property, plant and 
equipment and intangible 
assets and other assets and in 
depreciation and amortization 
expenses 

Recognition or cancellation 
of income tax expenses  

Note 7 

Note 16 and 
Note 18 

Cancellation or creation of a 
provision in respect of a 
claim, recognition of revenue 
/ expenses and recognition of 
income in respect of such a 
change, respectively 

 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Employee benefits 

Inevitable costs of a 
contract 

Existence of 
effective control 
over Bezeq 

Note 13 

Note 17 

Note 3.13.3 

Note 13.5 

Change in capital gain from 
the sale of a real estate asset 
in the "Sakia" property 

An increase or decrease in 
employee benefits liabilities 
and early retirement liabilities 
Recognition of the provision 
in respect of an onerous 
contract 
Consolidation of Bezeq's 
financial statements or 
treatment of an investment in 
Bezeq using the equity 
method 

The Company's assumption of the 
estimated payment to the authorities 
regarding levies on real estate in the 
"Sakia" property 
Actuarial assumptions such as 
discount rate, future wage increase 
rate and departure rate 
Assuming that the economic benefits 
will outweigh the unavoidable costs 
of the contract 
The possibility of appointing most of 
Bezeq's members of the Board of 
Directors, as a result of the 
Company's control permit in Bezeq, 
the control of the composition and 
distribution of the other Bezeq 
shareholders and the restrictions that 
apply to these shareholders under the 
Communications Law 

2.7.  Determining fair value 

For  the  purpose  of  preparing  the  financial  statements,  the  Group  is  required  to 
determine  the  fair  value  of  certain  assets  and  liabilities.  Further  information 
regarding the assumptions used in the fair value determination is provided in Note 
30.7 regarding fair value. 

3.  Accounting policy principles 

The  accounting  policies  outlined  below  have  been  applied  consistently  to  all 
periods presented in these consolidated financial statements by the Group entities. 

In  this  note,  where  the  Group  has  chosen  accounting  alternatives,  which  are 
permitted  by  accounting  standards  and  /  or  accounting  policies  on  a  subject  on 
which there is no explicit provision in accounting standards, the said disclosure is 
presented  in  bold.  The  said  emphasis  does  not  attach  more  importance  in 
comparison to the other accounting policies that were not emphasized. 

3.1.  Consolidation of financial statements  

3.1.1. 

Subsidiaries 

Subsidiaries are entities controlled by the Company. The financial statements 
of subsidiaries are included in the consolidated financial statements from the 
date of acquisition of control until the date of loss of control. 

Control exists when the Group is exposed to, or has rights in, returns that 
vary  from  its  involvement  in  the  acquired  entity  and  has  the  ability  to 
influence those returns through its power of influence in the acquired entity. 
In terms of control, real rights held by the Group and by others are taken into 
account. 

3.1.2.  Non-controlling interests 

Non-controlling  interests  are  the  capital  in  a  subsidiary  that  cannot  be 
attributed,  directly  or  indirectly,  to  the  parent  company  and  include 

18 

 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

additional components, such as a share-based payment that will be disposed 
of in the equity instruments of subsidiaries. 

3.1.3.  Allocation of income or other comprehensive profit among the shareholders 

Income  and  any  other  component  of  other  comprehensive  profit  are 
attributed to the owner of the Company and to non-controlling interests. The 
total income and the other comprehensive profit is attributed to the owner of 
the Company and to non-controlling interests even if as a result the balance 
of the non-controlling interests will be negative. 

3.1.4. 

Transactions with non-controlling interests, while maintaining control 

Transactions  with  non-controlling  interests  while  maintaining  control  are 
treated as capital transactions. Any difference between the consideration paid 
or  received  and  the  change  in  non-controlling  interests  is  imputed  to  the 
Company  owner's  share  in  the  capital  directly  to  surplus.  The  amount  by 
which the non-controlling interests are adjusted is calculated as follows: an 
increase  in  the  holding  rate,  according  to  the  proportionate  share  of  the 
balance  of  the  non-controlling  interests  in  the  consolidated  financial 
statements on the eve of the transaction. Also, in the event of changes in the 
holding rate in a subsidiary, while retaining control, the Company reallocates 
the cumulative amounts recognized in other comprehensive profit between 
the owner of the Company and the non-controlling interests. 

3.1.5. 

Transactions canceled in the consolidation 

Mutual  balances  in  the  Group  and  revenue  and  expenses,  arising  from 
transactions  between  companies,  were  eliminated  in  the  consolidated 
financial statements. 

3.1.6. 

Contingent consideration for the merging of businesses 

After the acquisition date, the Group recognizes changes in the fair value of 
a contingent consideration recognized in the merging of businesses, which is 
classified  as  a  financial  liability,  in  the  income  statement  under  the 
financing expenses item. 

3.2.  Foreign currency transactions 

Foreign  currency  transactions  are  translated  into  the  Group's  operating  currency 
according to the exchange rate in effect on the transaction dates. Financial assets 
and liabilities denominated in foreign currency at the reporting date are translated 
into the activity currency at the exchange rate in effect on that date. 

3.3.  Financial Instruments 

3.3.1.  Non-derivative financial assets 

Non-derivative financial assets mainly include investments in deposits, other trade 
receivables and cash and cash equivalents. 

The  Group  initially  recognizes  financial  assets  at  the  date  on  which  the  Group 
becomes a party to the contractual provisions of the instrument, meaning the date 
on which the Group undertook to buy or sell the asset. 

A financial asset is initially measured at fair value plus transaction costs that can be 
directly attributed to the acquisition or issuance of the financial asset. Customers 

19 

 
Notes to Consolidated Financial Statements as of December 31, 2020 

who do not include a significant financing component are initially measured by the 
transaction price. 

Financial assets are deducted when the Group's contractual rights to the cash flows 
arising from the financial asset expire, or when the Group transfers the rights to 
receive the cash flows arising from the financial asset in a transaction in which all 
risks and rewards of ownership of the financial asset are transferred in practice. 

Classification  of  financial  assets  into  groups  and  accounting  treatment  for  each 
group 

At  the  time  of  initial  recognition,  financial  assets  are  classified  into  one  of  the 
following measurement categories: reduced cost; Or fair value through income. 

A  financial  asset  is  measured  at  reduced  cost  if  it  meets  the  two  cumulative 
conditions below and is not intended to be measured at fair value through income: 

a.  Held  as  part  of  a  business  model  that  aims  to  hold  assets  to  back  up  the 

contractual cash flows; and 

b.  The  contractual  terms  of the  financial asset  provide entitlement  at  specified 
dates to cash flows that are only payments of principal and interest in respect 
of the principal amount that has not yet been repaid. 

All financial assets in the Group that are not classified for measurement at amortized 
cost are measured at fair value through income.  

The Group classifies financial assets as follows: 

Cash and cash equivalents 

Cash includes immediately available cash balances and on-demand deposits. Cash 
value includes short-term investments (when the time from the original deposit date 
to the redemption date is up to 3 months), at a high level of liquidity that can be 
easily converted into known amounts of cash and which are exposed to insignificant 
risk of changes in value. 

Customers, trade receivables and deposits 

The Group has customer balances, other trade receivables and deposits held as part 
of a business model aimed at collecting contractual cash flows. Contractual cash 
flows  in  respect  of  these  financial  assets,  include  only  principal  and  interest 
payments  which  reflect  a  consideration  for the time  value of the money  and the 
credit risk. Accordingly, these financial assets are measured at amortized cost. 

Subsequent measurement and income 

Reduced financial assets are measured using the effective interest method net of 
impairment losses. Interest income, profit or loss from exchange rate differences 
and  impairment  are  recognized  in  income.  Any  profit  or  loss  arising  from  a 
deduction is also recognized in income. 

Fair value financial assets through income are measured in subsequent periods at 
fair  value.  Net  profit  and  loss,  including  income  from  interest  or  dividends,  are 
recognized in income. 

3.3.2.  Non-derivative financial liabilities 

20 

 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Non-derivative financial liabilities include: debentures issued by the Group, loans 
and credit from banking corporations and other credit providers, suppliers and other 
trade payables. 

The  Group  initially  recognizes  debt  instruments  issued  at  the  time  of  their 
formation.  The  rest  of  the  financial  liabilities  are  recognized  at  the  time  of  the 
transaction.  Financial  liabilities  are  initially  recognized  at  fair  value  net  of  all 
attributable  transaction  costs.  Once  initially  recognized,  financial  liabilities  are 
measured at amortized cost using the effective interest method. 

Financial  liabilities  are  deducted  when  the  Group's  liability,  as  specified  in  the 
agreement, expires or when it is eliminated or canceled. 

Change in terms of debt instruments 

Exchanging  debt  instruments,  with  substantially  different  terms,  between  an 
existing borrower and an existing lender is treated as the settlement of the original 
financial liability and the recognition of a new financial liability at fair value. The 
difference between the reduced cost of the original financial liability and the fair 
value of the new financial liability is recognized in income in the financing revenue 
or expenses item. 

The terms differ materially if the discounted present value of the cash flows under 
the new terms, including any commissions paid, net of any commissions received 
and  discounted  using  the  original  effective  interest  rate,  is  at  least  ten  percent 
different  from  the  discounted  present  value  of  the  remaining  cash  flow  of  the 
financial liability. 

In  addition  to  the  aforementioned  quantitative  test,  the  Group  examines,  among 
other things, whether there have also been changes in various economic parameters 
inherent in the replaced debt instruments. 

In the event of a change in the terms (or replacement) of a non-material fixed-rate 
debt instrument, the new cash flows are discounted at the original effective interest 
rate, with the difference between the present value of the new financial liability and 
the present value of the original financial liability recognized in income under the 
item "Financing expenses (revenue)". 

The Group has chosen an accounting policy according to which when a portfolio 
of  financial  liabilities  with  the  same  characteristics  is  repaid  /  replaced,  the 
calculation of income or loss / replacement will be performed  using the FIFO 
method. 

3.3.3. 

Index-linked assets and liabilities that are not measured at fair value  

The  value  of  CPI-linked  assets  and  liabilities,  which  are  not  measured  at  fair 
value, is estimated in each period in accordance with the actual rate of increase / 
decrease of the index. 

3.3.4.  Offsetting financial instruments 

A financial asset and a financial liability are offset and the amounts are presented 
net in the statement of financial position when the group has immediate existence 
(currently) an enforceable legal right to offset the amounts recognized as well as an 
intention to liquidate the asset and liability on a net basis or to realize the asset and 
eliminate the liability at the same time. 

3.3.5.  A. Hedge accounting 

21 

 
Notes to Consolidated Financial Statements as of December 31, 2020 

The Group holds derivative financial instruments for the purpose of hedging cash 
flow in respect of risks of future changes in the consumer price index in connection 
with the bonds issued by the Group.  

At the time the hedge relationship is created, the Group documents the purpose of 
risk management and its hedging strategy. The Group also documents the economic 
relationship  between  the  hedged  item  and  the  hedging  instrument,  including 
whether  the  changes  in  the  cash  flows  of  the  hedged  item  and  the  hedging 
instrument are expected to offset each other. 

Derivatives are initially recognized at fair value. Attributable transaction costs are 
recognized  in  income  as  incurred.  After  initial  recognition,  the  derivatives  are 
measured at fair value, with the effective portion of the changes in the fair value of 
the derivative being charged to a hedge fund under other comprehensive profit. The 
effective portion of the changes in the fair value of a derivative, which is recognized 
in other comprehensive profit, is limited to the cumulative change in the fair value 
of the hedged item (at present value), from the date of creation of the hedge. The 
part that is ineffective, the change in fair value is immediately recognized in income. 

B. Economic hedging 

In  addition,  the  Group  holds  derivative  financial  instruments  for  the  purpose  of 
hedging cash flow in respect of foreign exchange risks. Hedge accounting is not 
applied  to  these  instruments.  Such  derivative  instruments  are  recognized  at  fair 
value;  The  changes in  fair  value  are immediately recognized in  the statement  of 
income, as financing revenue or expenses. 

3.4. 

Broadcasting rights 

The broadcasting rights are presented according to cost, net of rights exercised 
and impairment losses. 
Costs of acquired broadcasting rights for broadcasting content includes the amounts 
paid to the rights providers plus direct costs incurred for the purpose of adjusting 
the broadcasting rights. 
An  examination  of the impairment of  broadcasting rights  is made  as  part  of the 
cash-generating  unit  with  which  the  broadcasting  rights  are  associated  (see  also 
Note 11). 
The net change in broadcasting rights is presented as adjustments to profit as 
part of current operations in the statement of cash flows. 

3.5. 

Property, plant and equipment 

3.5.1. 

Recognition and measurement 
The Group chose to measure the property, plant and equipment items by cost net 
of accumulated depreciation and impairment losses.  

Cost includes costs that can be directly attributed to the purchase of the asset. The 
cost  of  self-constructed  assets  includes  the  cost  of  materials,  direct  salaries  and 
financing costs, any additional costs that can be directly attributed to bringing the 
asset  to  the  location  and  condition  necessary  for  it  to  operate  as  Management 
intended, as well as an estimate of the costs of dismantling and removing the items 
and restoring the site where the item is located in cases where the Group is obligated 
to vacate and restore the site. The cost of purchased software, which is an integral 
part of the operation of the related equipment, is recognized as part of the cost of 
this equipment. 

22 

 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Spare parts, auxiliary equipment and backup equipment are classified as property, 
plant and equipment when they meet the definition of property, plant and equipment 
in accordance with IAS 16, otherwise they are classified as inventory. 

When significant pieces of property, plant and equipment have different lifespans, 
they are treated as separate items (significant components) of property, plant and 
equipment. 

Profit  or  loss  from  the  deduction  of  a  property,  plant  and  equipment  item  is 
determined by comparing the consideration from the deduction of the asset to its 
book  value.  Profit  or  loss  from the  sale  of  property,  plant  and  equipment  is 
included  in  the  Other  income  or  expenses  item,  as  the  case  may  be,  in  the 
statement of income. 

3.5.2. 

Subsequent costs 

The cost of replacing part of a fixed asset item is recognized as part of the book 
value in the of that item if it is expected that the future economic benefit inherent 
in  the  new  part  will  flow  to  the  Group  and  if  its  cost  can  be  measured  reliably. 
Ongoing  maintenance  costs  of  property,  plant  and  equipment  are  recognized  in 
income as they arise. 

3.5.3.  Depreciation 

Depreciation is charged to the statement of income using the straight-line method 
over the estimated useful life of each of the items of property, plant and equipment, 
since  this  method  best  reflects  the  projected  consumption  pattern  of  the  future 
economic benefits inherent in the asset.  

An asset depreciates when it is available for use, that is, when it has reached the 
necessary  position  and  condition  in  order  for  it  to  be  able  to  act  in  the  manner 
intended by Management. 

Improvements in leased buildings generally depreciate over the lease term, which 
includes the period of extension options held by the Group that it intends to exercise 
and the useful life of the lease improvements, whichever is shorter. 

23 

 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

The estimate of the useful life for the current period is as follows: 

Landline and international network equipment (switching, transmission and 
power) 
Landline network 
Multi-channel TV equipment and infrastructure 
Subscription equipment and installations  
Vehicles 
Office and general equipment 
Electronic equipment, computers and internal communication systems 
Cellular network 
Passive radio equipment on cellular network sites 
Structures 
Underwater cable 

Years 
4-12 

12-33 
1-17 
4-8 
6-7 
5-10 
3-7 
4-10 
Until December 31, 2037 
25 
4-25 (mostly 25) 

Estimates of the depreciation method, useful life and residual value are reviewed at least 
once every reporting year and adjusted as necessary. 

3.6. 

Intangible assets 

3.6.1. 

Goodwill 

Goodwill created as a result of the acquisition of subsidiaries is included in the intangible 
assets  item.  After  initial  recognition,  goodwill  is  measured  at  cost  net  of  accumulated 
impairment losses. Reputation is reviewed at least once a year for impairment examination. 
See also Note 11. 

3.6.2. 

Software development costs 

Software development costs are recognized as an intangible asset only if: the development 
costs can be reliably measured; The software is technically and commercially applicable; A 
future  economic benefit  is expected  from  the  development,  and  the  Group has  sufficient 
intention  and  resources  to  complete  the  development  and  use  the  software.  The  costs 
recognized as an intangible asset include the cost of materials, direct salaries and overhead 
expenses that can be directly attributed to the preparation of the asset for its intended use. 
Other development costs are recognized in the statement of income as incurred. 

Discounted  development  costs  are  measured  at  cost  net  of  amortization  and  impairment 
losses. 

Software 
Software that is an integral part of the hardware, which cannot operate without the software 
installed on it, is classified as property, plant and equipment. In contrast, software licenses 
that stand on their own and add additional functionality to the hardware are classified as 
intangible assets. 

Rights to frequencies  

Frequency  rights  refer  to  the  frequencies  allocated  to  Pelephone  for  cellular  activity, 
following  its  winning  special  tenders  conducted  by  the  Ministry  of  Communications. 
Depreciation in respect of the asset is recognized in the statement of income according to 
the "straight line" method depreciates over the frequency allocation period, which begins on 
the date of their use. 4G frequencies (LTE) and 3G frequencies (UMTS / HSEA) depreciate 
until August 22, 2028. 5G frequencies will depreciate until September 2032. 

Depreciation of rights in frequencies is attributed to the depreciation and amortization item 
in the statement of income. 

3.6.3. 

3.6.4. 

3.6.5. 

3.6.6. 

Other intangible assets 

24 

 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Other intangible assets acquired by the Group, with a defined useful life, are measured 
at cost net of amortization and impairment losses. 

3.6.7. 

Subsequent costs 

Subsequent costs are recognized as an intangible asset only when they increase the future 
economic benefit inherent in the asset in respect of which they were incurred. Other costs, 
including those related to goodwill or self-developed brands, are recognized in the statement 
of income as incurred. 

3.6.8. 

Amortization 

Amortization of intangible assets is charged to the statement of income according to the 
straight-line  method  (except  as  stated  below  regarding  the  amortization  of  customer 
relationships), over the estimate of the useful life of the intangible assets from the date on 
which  the  assets  are  available  for  use.  Goodwill  is  not  systematically  amortized,  but  is 
exmained at least once a year for impairment. 
The estimated useful life for the current period is: 

Property type 

Frequency use rights 

Reduction period 

Over the license period until 2032 

3-7 years depending on the license period or 

beyond the estimated duration of use of the 

Computer software and software use licenses  

software 

Estimates  of  the  depreciation  method  and  useful  life  are  reviewed  at  least  once  every 
reporting year and adjusted as necessary. 

3.7. 

Leased assets 

3.7.1.  Determining whether an arrangement contains a lease 

At  the  time  of  entering  into  the  lease,  the  Group  determines  whether  the 
arrangement  is  a  lease  or  contains  a  lease,  examining  whether  the  arrangement 
transfers  a  right  to  control  the  use  of  an  identified  asset  for  a  period  of  time  in 
exchange for payment. In assessing whether the arrangement transfers the right to 
control the use of an identified asset, the Group assesses throughout the lease term 
whether it has the following two rights: 

a)  The  right  to  obtain  virtually  all  economic  benefits  from  the  use  of  the 

identified asset; also 

b)  The right to direct the use of the identified asset 

For  leases  that  include  non-lease  components,  such  as  services  or  maintenance, 
related to a lease component, the Group has chosen to treat the contract as a single 
lease component without separating the components. 

3.7.2. 

Leased assets and liabilities in respect of lease 

Contracts that give the Group control over the use of an identifiable asset over a 
period of time for consideration are treated as leases. At the initial recognition, the 
Group  recognizes  a  liability  at  the  present  value  of  the  future  minimum  lease 
payments  (these  payments  do  not  include  variable  lease  payments  that  do  not 
depend on the CPI or, change in any interest rate or change in exchange rate), and 
at the same time the Group recognizes the right-of-use asset in the amount of the 
liability,  adjusted  for  lease  payments  that  have  been  paid  in  advance  or 
accumulated, plus the direct costs incurred in the lease. 

25 

 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Because  the  interest  rate  inherent  in  the  lease  cannot  be  easily  determined,  the 
Group's additional interest rate was used (the interest rate the Group was required 
to pay in order to borrow for a similar period and with similar collateral the amounts 
needed  to  obtain  an  asset  with  a  similar  right  of  use  in  a  similar  economic 
environment). 

After  initial  recognition,  the  asset  is  treated  according  to  the  cost  model,  and  is 
amortized over the lease term or the useful life of the asset (whichever is earlier). 

3.7.3. 

Lease period 

The lease period is determined as a period in which the lease is non-cancellable, 
and includes the periods for which there is an option to extend or cancel the lease if 
it is reasonably certain that the Group will exercise the options for extending the 
lease and will not exercise the option to cancel the lease. 

3.7.4.  Variable lease payments 

Lease payments that are linked to the consumer price index are initially measured 
by using the existing index at the beginning of the lease and are included in the 
measurement of the lease liability. When there is a change in the cash flow of future 
lease payments resulting from the change in the index, the balance of the liability is 
updated against the right-of-use asset. 

3.7.5.  Amortization of right-of-use asset 

After the date of commencement of the lease, the right of use property is measured 
using  the  cost  method,  net  of  cumulative  depreciation  And  after  deducting 
cumulative  losses  from  impairments  and  adjusted  for  re-measurements  of  the 
liability in respect of the lease. Calculation is calculated On a straight-line basis 
Over the useful life or the contractual lease period, whichever is earlier as follows: 

Asset type 

Cellular communication sites 

Structures 

Vehicles 

3.7.6. 

Subleases 

Weighted average of the 

agreement period as of 

December 31, 2020 

(years) 

6.4 

14.8 

2.3 

In  leases  in  which  the  Company  leases  the  underlying  asset  in  a  sublease,  the 
Company examines the classification of the sublease as a finance or operating lease 
in relation to the right-of-use obtained in the main lease. The Company examined 
existing leases at the date of initial application in accordance with the balance of 
their contractual terms as of that date. 

3.8.  Capacity use rights 

Transactions  for the  purchase  of  Indefeasible  Right  of  Use (IRU)  in  underwater 
cable capacities were treated as service acceptance transactions. The amount of the 
prepaid expense is reduced in a straight line in accordance with the period specified 
in the agreement and no more than the estimated useful life of those capacities. 

26 

 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Capacities which identifiable and used exclusively by the Group are presented in 
the property, plant and equipment item. The asset is reduced in a straight line in 
accordance with the period specified in the agreement and for no longer than the 
estimate  or  the  expected  useful  life  of  those  capacities.  Capacity  use  rights  are 
presented net of accumulated impairment losses. 

3.9.  Inventory 

The cost of inventory includes the costs of purchasing the inventory and bringing 
it to its existing place and condition. 
Inventory is measured as the cost and net exercisable value, whichever is lower. 
The Group chose to determine the cost of inventory according to the weighted 
moving average method.  
Stock includes end equipment and accessories intended for sale and service, as well 
as spare parts used for repairs as part of the repair service provided to customers. 
Inventory of end equipment, accessories and spare parts whose consumption is slow 
are presented net of provisions for impairment. 

3.10. 

Impairment 

3.10.1.  Non-derivative financial assets 

The Group has chosen to measure the provision for projected credit losses 
in respect of trade receivables in an amount equal to the contractual credit 
losses throughout the life of the instrument. 

Projected  credit  losses  throughout  the  life  of  the  instrument  are  projected 
credit losses resulting from all possible failure events throughout the life of 
the financial instrument. 

Projected  credit  losses  constitute  a  weighted  estimate  —  probabilities  of 
credit losses. Credit losses are measured at the present value of the difference 
between the cash flows to which the Group is entitled under the contract and 
the cash flows that the Group expects to receive and are discounted according 
to the effective interest rate of the financial asset. 

Examination  of  projected  credit  losses  for  customer  and  trade  receivable 
balances in substantial amounts is done on the basis of each asset separately. 
For  the  rest  of  the  financial  assets,  projected  credit  losses  are  examined 
collectively,  according  to  groups  with  similar  credit  risk  characteristics, 
taking into account past experience. 

Provision  for  projected  credit  losses  is  presented  as  a  deduction  from  the 
gross book value of customers. 

Regarding  deposits  in  banks,  for  which  the  credit  risk  has  not  increased 
significantly  from  the  date  of  initial  recognition,  the  Group  measures  the 
provision  for  projected  credit  losses  in  an  amount  equal  to  the  projected 
credit losses due to a failure incident in a period of 12 months. 

When  assessing  whether  the  credit  risk  of  a  financial  asset  has  increased 
significantly from the date of initial recognition and assessment of projected 
credit losses, the Group takes into account reasonable information that can 
be established, which is relevant and achievable without excessive cost or 
effort. Such information includes quantitative and qualitative information, as 

27 

 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

well as analysis, based on the Group's past experience and includes forward-
looking information. 

3.10.2.  Non-financial assets 

Timing of impairment examination 

The  book  value  of  the  Group's  non-financial  assets,  that  are  not  inventory  and 
deferred tax assets, is reviewed at each reporting date to determine whether there are 
any indications of impairment. If there are indications, as stated, an estimate of the 
recoverable amount of the asset is calculated. 

The Group performs once a year on a fixed date, an assessment of the recoverable 
amount  of  the  cash  generating  unit  to  which  goodwill  is  attributed,  or  more 
frequently, if there are indications of impairment. 
Measurement of recoverable amount 

The recoverable amount of an asset or a cash-generating unit is the value in use and 
the fair value, whichever is higher, net of costs of sale. In determining the value in 
use, the Group discounts the projected future cash flows according to the discount 
rate,  which  reflects  the  market  estimates  of  the  time  value  of  the  money  and  the 
specific  risks  relating  to  the  asset  or  cash-generating  unit  (for  which  future  cash 
flows have not been adjusted). 
Determining cash-generating units 

For the purpose of examination of impairment, the assets are grouped together into 
the smallest group of assets which generates cash flows from continuous use, which 
are mainly independent of assets and other groups ("cash-generating unit"). See Note 
11. 
Assignment of goodwill to cash-generating units 

For the purpose of examining the impairment of goodwill, cash-generating units to 
which  goodwill  has  been  allocated  are  grouped  so  that  the  level  at  which  the 
impairment is examined reflects the lowest level at which the goodwill is monitored 
for internal reporting purposes, but in any case is not larger than an activity segment. 
Goodwill  acquired  as  part  of  merging  businesses  is  assigned  for  the  purpose  of 
examining impairment to cash-generating units that are expected to generate benefits 
from the synergy of the merger. 
Recognition of impairment loss 

Loss from impairment of a cash-generating unit is recognized when the book value 
of  the  cash-generating  unit,  including  goodwill,  as  applicable,  exceeds  its 
recoverable amount and is recognized in the statement of income. An impairment 
loss  recognized  in  respect  of  a  cash-generating  unit  is  initially  allocated  to  an 
impairment  loss  in  the  book  value  of  goodwill  attributable  to  the  unit,  and 
subsequently to an impairment loss in the book value of other assets in the cash-
generating unit. For the purpose of allocating the impairment loss, the value of the 
assets is not reduced below the fair value net of exercise costs, their value in use (if 
determinable) or zero, whichever is higher.  

Impairment  loss  resulting  from  a  one-off  update  of  forecasts  for  the 
coming years is classified in the statement of income under the Impairment 
loss  item.  On  the  other  hand,  an  impairment  loss  resulting  from  a 
continuing adjustment of non-current assets of the Group companies to 
fair value net of exercise costs (resulting from the expectation of continued 
negative cash flow and negative operating value of those companies), is 
classified in the statement of income under the same items in which the 
current  expenses  in  respect  of  these  assets  were  classified.  The  said 
classification is more compatible with the presentation method based on 

28 

 
Notes to Consolidated Financial Statements as of December 31, 2020 

the nature of the expense and is also more suitable for understanding the 
Group's business. 

Accordingly, the statement of income shows the continuing impairment of 
broadcasting  rights  in  DBS  and  Walla  as  part  of  "Operating  and  general 
expenses" while the continuing impairment of property, plant and equipment 
and intangible assets is presented as part of "Depreciation, amortization and 
impairment" expenses. See also Note 11. 

Cancellation of impairment loss 

Loss of goodwill impairment is not cancelled. As for other assets, in respect 
of  which  impairment  losses  have  been  recognized  in  previous  periods,  at 
each reporting date it is examined whether there are indications that these 
losses  have  decreased  or  that  they  no  longer  exist.  Impairment  loss  is 
cancelled  if  there  is  a  change  in  the  estimates  used  to  determine  the 
recoverable amount, only to the extent that the book value of the asset, after 
the  loss  is  deducted,  does  not  exceed  the  book  value  less  depreciation  or 
amortization, which would have been determined if no impairment loss had 
been recognized. 

3.11. Employee benefits 

3.11.1.  Post-employment benefits 

The Group has a number of post-employment benefit plans. The plans are 
usually funded by deposits with insurance companies and are classified as 
defined deposit plans as well as defined benefit plans. 

a.  Defined deposit plans 

A defined deposit plan is a post-employment plan whereby the Group 
pays regular payments to a separate entity without having any legal or 
implied liability to pay additional payments. 
The  Group's  liabilities  to  deposit  to  the  defined  deposit  plan  are 
recognized as a loss in the statement of income for the periods during 
which the employees provided the services.  

b.  Defined benefit plans 

The Group's net liability, which relates to a defined benefit plan for 
post-employment  benefits, is  calculated  for  each  plan  separately  by 
estimating  the  future  amount  of  the  benefit  that  the  employee  will 
receive  in  return  for  his  services  in  the  current  period  and  in  past 
periods. This benefit is presented at present value less the fair value of 
the  plan's  assets.  The  calculations  are  conducted  annually  by  a 
qualified  actuary.  The  discount  rate  is  determined  according  to  the 
return on the reporting date for high-quality corporate bonds, whose 
currency is the same as the currency in which the benefit is paid or to 
which it is linked, and whose maturity date is similar to the Group's 
commitment terms. 
Net interest costs in respect of a defined benefit plan are calculated by 
multiplying the net liability by the discount rate used to measure the 
liability in respect of a defined benefit, as determined at the beginning 
of the annual reporting period. 

The Group chose to present the interest costs imputed to income, as part of 
the financing expenses item. 

29 

 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Recalculation  of  the  net  liability  in  respect  of  a  defined  benefit  includes 
actuarial  income  and  the  return  on  plan  assets  (excluding  interest).  Re-
measurements are imputed immediately, through other comprehensive profit 
directly to surplus. 

When there is an improvement or reduction in the benefits that the Group 
provides to its employees, some of the increased or reduced benefits relating 
to employees' past services are immediately recognized as profit or loss when 
the plan is amended or reduced. 

3.11.2.  Other long-term employee benefits 

The Group's liability for long-term employee benefits (such as liability for 
accrued  vacation  and  sick  days),  which  do  not  relate  to  post-employment 
benefit plans, is in respect of the amount of future benefit to employees for 
services  rendered  in  the  current  and  past  periods.  The  amount  of  these 
benefits  is  shown  at  its  current  value.  The  discount  rate  is  determined  in 
accordance with the return of high-quality indexed corporate bonds on the 
reporting date whose currency is the shekel, and their maturity date is similar 
to the Group's commitment terms. Actuarial changes are recognized in the 
statement of income in the period in which they were created. The actuarial 
changes  resulting  from  a  change  in  the  discount  rate  are  recognized 
under  the  financing  expenses  /  revenue  item,  while  the  remaining 
differences are imputed to payroll expenses. 

3.11.3.  Early retirement and dismissal benefits 

Dismissal  benefits  are  recognized  as  an  expense  when  the  Group  has 
expressly committed, with no real possibility of cancellation, to the dismissal 
of  employees,  before  they  reach  the  usual  retirement  date  according  to  a 
detailed formal plan. Benefits provided to employees in voluntary retirement 
are recognized as an expense when the Group has offered employees a plan 
that encourages voluntary retirement, and the employees accepted the offer 
or when the Company can no longer withdraw its offer. 

Expenses  in  respect  of  early  retirement  and  dismissal  that  have  been 
imputed  to  income  are  presented  in  the  item  Other  operating  expenses 
(revenue). The actuarial changes resulting from a change in the discount 
rate of long-term benefits in respect of early retirement and dismissal are 
imputed  to  the  item  of  financing  expenses,  while  the  other  actuarial 
changes are imputed to other operating expenses (revenue). 

3.11.4.  Short-term benefits 

Liabilities  for  short-term  employee  benefits  are  measured  on  a  non-
discounted basis, and the expense is recognized when the relevant service is 
provided. Liabilities in respect of short-term employee benefits regarding a 
cash bonus is recognized at the amount expected to be paid when the Group 
has a current legal or implied liability to pay the said amount for a service 
provided  by  the  employee  in  the  past  and  the  liability  can  be  reliably 
estimated. 

The classification of benefits for employees as short-term benefits or as other 
long-term benefits for measurement purposes is determined in accordance 
with the forecast of the date of full disposal of the benefits. 

30 

 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

The  classification of benefits for employees as current benefits or as non-
current  benefits  for  the  purpose  of  presenting  them  in  the  statement  of 
financial position is made in accordance with the date on which the liability 
is due for payment. 

3.12. Provisions 

A provision is recognized when the Group has a current, legal or implied obligation 
as a result of a past incident that can be reliably estimated, and when it is expected 
that a flow of economic benefits will be required to discharge the liabiltiy.  

31 

 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

3.12.1.  Legal claims 

The  handling  of  pending  lawsuits  is  in  accordance  with  IAS37  and  its 
accompanying  provisions.  According  to  the  provisions,  the  claims  are 
classified  according  to  groups  with  similar  characteristics,  in  accordance 
with  the  areas  of  probability  for  the  realization  of  the  risk  exposures  as 
detailed below: 

a.  Expected - probability above 50%. 
b.  Possible  -  probability  is  more  than  weak  and  smaller  or  equal  to 

50%. 

c.  Weak - probability less than or equal to 10%. 

Regarding  claims  in  respect  of  which  the  Group  has  a  legal  or  implied 
liability as a result of an event that has occurred in the past that is likely to 
materialize, the financial statements include provisions which, in the opinion 
of  the  Group's  Management,  based,  inter  alia,  on  its  legal  counsel  who 
handle such claims, are appropriate in the circumstances of each case, even 
though the above claims are denied by the Group companies. In addition, 
there is a limited number of legal proceedings, most of which have recently 
been accepted, the chances of which cannot be assessed at this stage, and for 
the aforesaid reason no provision has been made in respect thereof. 

Note  18  provided  details regarding  the  amount  of the  additional exposure 
due to pending claims that are likely to materialize. 

3.12.2.  Costs of dismantling and removing sites 

The provision for a commitment to dismantle and remove sites is recognized 
in respect of such lease agreements in which Pelephone has an obligation to 
return the leased property to its former state at the end of the lease period, 
after  dismantling  and  transferring  the  site  and  restoring  the  site  when 
necessary. The provision is measured by discounting future cash flows at a 
risk-free discount rate that reflects the period of time until the expected end 
of the contract under which Pelephone was required to dismantle the site. 
The book value of the provision is adjusted in each period to reflect the lapse 
of time recognized in financing expenses. 

3.12.3.  Onerous contracts 

When the Group expects that the unavoidable costs in respect of a contract 
will exceed the economic benefits expected to be received from the contract, 
a provision for an onerous contract is recognized. The provision is measured 
according to the present value of the projected cost for cancellation of the 
contract or the present value of the unavoidable costs (net of income) for the 
performance of the contract, whichever is lower. Inevitable costs are costs 
that  the  Group  cannot  avoid  because  it  is  subject  to  a  contract  (i.e., 
supplemental costs). 

3.13. Revenue 

3.13.1.  The Group recognizes revenue when the customer gains control  of the promised 
goods  or  service.  Revenue  is  measured  by  the  amount  of  consideration  that  the 
Group expects to be entitled to in exchange for the transfer of goods or services 

32 

 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

promised  to  the  customer,  other  than  amounts  collected  for  the  benefit  of  third 
parties. 

The model for recognition of revenue from contracts with customers includes 
five  steps  for  analyzing  transactions  in  order  to  determine  the  timing  of 
revenue recognition and its amount: 

a. 
b. 
c. 
d. 

e. 

Identifying the contract with the customer 
Identifying separate performance obligations in the contract 
Determining the transaction price 
Assigning 
obligations 
Recognition  of  revenue  upon  fulfillment  of  performance 
obligations 

to  separate  performance 

transaction  price 

the 

3.13.2.  Contract identification 

The Group handles a contract with a customer only when all of the following 
conditions are met: 

1.  The parties to the contract have approved the contract (in writing, 
orally or in accordance with other customary business practices) and 
are obligated to fulfill the obligations attributed to them 

2.  The  Group  can  identify  the  rights  of  each  party  regarding  the 

products or services to be exchanged 

3.  The  Group  can  identify  the  terms  of  payment  for  the  goods  or 

services to be exchanged 

4.  The contract has a commercial substance (i.e. the risk, timing and 
amount of the entity's future cash flows are expected to change as a 
result of the contract); and 

5.  The  Group  is  expected  to  collect  the  consideration  to  which  it  is 
entitled  for  the  goods  or  services  that  will  be  delivered  to  the 
customer 

3.13.3. 

Identification of performance commitment 

At the time of entering into the contract, the Group evaluates the goods or 
services  promised  under  a  contract  with  a  customer  and  identifies  as  a 
performance  obligation  any  promise  to  deliver  to the  customer  one  of the 
following two: 

(1)  Goods or services (or a package of goods or services) that are separate; 

or 

(2)  A series of separate goods or services to the customer that are in fact 

identical and have the same transfer pattern. 

3.13.4.  Determining the transaction price 

The transaction price is the amount of consideration that the Group expects 
to be entitled to in exchange for the transfer of goods or services promised 
to  the  customer,  in  addition  to  amounts  collected  for  the  benefit  of  third 
parties. When determining the transaction price, the Group takes into account 
the effects of all of the following: variable consideration, the existence of a 
significant financing component in the contract, non-cash consideration and 
consideration to be paid to the customer. 

3.13.5.  Existence of a significant financing component 

33 

 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

For  the  purpose  of measuring  the  transaction  price,  the  Group  adjusts  the 
amount of consideration promised for effects of the time value of the money 
if the timing of payments agreed between the parties provides the customer 
or  Group  with  a  significant  financing  benefit.  In  these  cases  the  contract 
contains a significant financing component. In assessing whether a contract 
contains a significant financing component, the Group examines, inter alia, 
the expected length of time between the date on which the Group transfers 
the promised goods or services to the customer and the date on which the 
customer pays for these goods or services, and the difference, if any, between 
the  amount  of  the  promised  consideration  and  the  cash  sale  price  of  the 
promised goods or services. 

When there is a significant financing component in the contract, the Group 
recognizes  the  amount  of the  consideration  using the  discount  rate that 
will be reflected in a separate financing transaction between itself and the 
customer  at  the  time  of  engagement.  The  financing  component  is 
recognized  as income  or  interest  expenses  during  the  period  calculated  in 
accordance with the effective interest method. 

In cases where the difference between the date of receipt of payment and the 
date of transfer of the goods or service to the customer is one year or less, 
the Group applies the practical relief provided by the standard and does 
not separate a significant financing component. 

3.13.6.  Existence of performance obligation 

Revenue is recognized when the Group maintains a performance obligation 
by transferring control of a customer or service promised to the customer. 

3.13.7.  Contract costs 

Supplemental  costs  of  obtaining  a  contract  with  a  customer  such  as  sales 
commissions paid to resellers and Group salespeople for sales and upgrades 
are recognized as an asset when the Group is expected to recoup those costs. 
Costs for obtaining a contract that would have arisen regardless of whether 
the contract was obtained are recognized as an expense at the time they were 
incurred, unless the customer can be charged for these costs. 

Costs discounted as an asset are recognized in the statement of income on a 
systematic basis, depending on the expected duration of the subscribers and 
depending  on  their  expected  average  churn  rate  according  to  the  type  of 
subscription and the service received (mainly for a period of between 2.6 to 
4 years). 

In each reporting period, the Group examines whether the book value of the 
recognized asset exceeds the balance of the consideration the entity expects 
to receive in return for the goods or services to which the asset relates, net of 
the costs directly attributable to the supply of those goods or services that 
were not recognized as expenses, and if necessary, recognized an impairment 
loss in the statement of income. 

3.13.8.  Major supplier or agent 

When  another  party  is  involved  in  the  supply  of  goods  or  services  to  the 
customer,  the  Group  examines  whether  the  essence  of  its  promise  is  a 
commitment  to  provide  the  defined  goods  or  services  by  itself, i.e., if  the 
Group  is  a  major  supplier  and  therefore  recognizes  revenue  in  gross 

34 

 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

consideration  amount,  or  act  for  another  party  to  provide  these  goods  or 
services, i.e. the Group is an agent and therefore recognizes income in the 
net commission amount. 

The Group is a major supplier when it controls the goods or service promised 
prior to delivery to the customer. Indicators that the Group controls the goods 
or  service  prior  to  their  transfer  to  the  customer  include,  inter  alia,  the 
following: the Group is primarily responsible for keeping the promises in the 
contract; The Group has an inventory risk before the goods or service are 
delivered to the customer; And also if the Group has discretion in setting the 
prices for the goods or service. 

3.14.  Government grants 

Government grants are initially recognized at fair value when there is reasonable 
assurance that they will be accepted and that the Group will meet the conditions 
that  qualify  for  their  receipt.  Government  grants  received  for  the  purpose  of 
purchasing an asset are presented as deferred income in the statement of financial 
position and are unfrozen in the statement of income throughout the useful life of 
the asset. 

3.15.  Income and financing expenses 

Financing  revenue  mainly  includes  interest  revenue  accrued  using  the  effective 
interest  method  in  respect  of  the  sale  of  end  equipment  in  installments,  interest 
revenue from deposits and changes in the fair value of financial assets presented at 
fair value through the statement of income.  
Total  financing  expenses  mainly  include  interest  expense  and  linkage  on  loans 
received and bonds issued, expenses in respect of early repayment of the debt as 
well as financing expenses in respect of benefits to employees. 

In statements of cash flows, interest received is shown as part of cash flows from 
investing  activities.  The  Group  chose  to  present  the  interest  rates  and  linkage 
differences paid in respect of loans and debentures as part of cash flows used for 
financing activity.  

3.16.  Income tax expenses 

Income tax expenses include current and deferred taxes. Income tax expenses 
are  recognized  in  the  statement  of  income  or  other  comprehensive  profit  if 
they arise from items that are recognized in other comprehensive profit. 

Current taxes 

The current tax is the amount of tax that is expected to be paid on the taxable income 
for the year, when it is calculated according to the tax rates that apply according to 
the laws that were enacted or enacted in fact at the date of the report. Current taxes 
also include changes in tax payments relating to previous years. 

Uncertain tax positions 
Provision for uncertain tax positions, including additional tax expenses and interest, 
is recognized when it is more likely than not that the Group will be required to use 
its financial resources to eliminate the liability. 

Deferred taxes 

Recognition of deferred taxes is with respect to temporary differences between the 
book value of assets and liabilities for financial reporting purposes and their value 

35 

 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

for  tax  purposes.  The  Group  does  not recognize deferred  taxes  in  respect  of  the 
following temporary differences: 

1.  Initial recognition of goodwill 
2.  Differences  arising  from  investment  in  subsidiaries  and  affiliates,  if  it  is  not 
expected that they will be reversed in the foreseeable future and if the Group 
controls the date of reversal of the difference. 

Deferred taxes  are  measured  according  to the  tax  rates  expected  to  apply to  the 
temporary differences at the date they are implemented, based on the laws enacted 
or the enactment of which was completed in fact as of the reporting date.  

Deferred tax asset is recognized in the books in respect of carried forward losses, 
tax benefits and deductible temporary differences, when it is expected that in the 
future there will be taxable income, against which it will be possible to exercise 
them. Deferred tax assets are reviewed at each reporting date, and if the related tax 
benefits are not expected to materialize, they are amortized (see also Note 7). 

Offsetting assets and deferred tax liabilities 

The Group offsets assets and the tax liability is deferred if there is an enforceable 
legal right to offset deferred assets and liabilities, and they are attributed to the same 
taxable income taxed by the same tax authority in the same taxable company, which 
intends to eliminate deferred tax assets and liabilities on a net basis or if the deferred 
tax assets and liabilities are settled simultaneously. 

Presentation of tax expenses as part of the statement of cash flows 

Cash flows arising from income taxes are classified in the statement of cash flows 
as cash flows from operating activities, unless they can be specifically identified 
with investing activities and financing activities. 

3.17. Dividend  

An  obligation  relating  to  a  dividend  offered  or  declared  after  the  date  of  the 
financial statements is recognized only in the period in which the announcement 
was made (approval of the general meeting). In statements of cash flows, dividend 
paid is presented as part of financing activity. 

3.18.  New standards not yet adopted:  

3.18.1.  Correction  to  IAS1  Standard  "Presentation  of  Financial  Statements:  Classification  of 

Liabilities as Current or Non-Current" 

The amendment replaces a certain classification requirement of liabilities as 
current  or  non-current.  The  amendment  will  enter  into  force  in  respect  of 
reporting periods as of January 1, 2023. Early application is possible. The 
amendment  will  be  applied  retrospectively,  including  an  amendment  to 
comparative figures. The Group is examining the implications of applying 
the amendment to the financial statements.  

3.18.2.  Amendment to Standard IAS37 "Provisions, contingent liabilities and contingent 

assets" in respect of onerous contracts 

The  amendment  stipulates  that  in  examining  the  costs  of  maintaining  a 
contract,  it  is  necessary  to  also  consider  indirect  costs  in  addition  to 
supplemental costs (see Note 3.12.3). 

36 

 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

The date of initial application of the amendment is set for January 1, 2022, 
and it will be carried out by adjusting the surplus balance in respect of the 
cumulative  effect  to  this  date.  The  amendment  may  have  effects  on  the 
identification  and  measurement  of  onerous  contracts  in  the  Group,  which 
may even be reflected in the creation of material provisions which the Group 
is unable to assess at this stage. The Group is studying the amendment and 
is preparing to implement it on time. 

4.  Cash and cash equivalents 

Cash balance and cash value as of December 31, 2020 mainly includes deposits in banks 
for a period of up to 90 days as well as balances in checking accounts. 

5. 

Investments 

Banking deposits in shekels and foreign currency (1) 
Investment in monetary funds and marketable securities measured at fair 
value through statement of income and others 
Deposit used for security in respect of hedging transactions 

December 31, 
2020 

December 31, 
2019 

NIS millions 
804 

NIS millions 
883 

77 

881 

358 

1,241 

(1) Bank deposits in shekels and USD, due for repayment by December 2021. 

37 

 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

6.  Other trade receivables 

6.1.  Composition of other trade receivables: 

Trade receivables * 

Open debts and checks for collection 

Credit cards  

Revenue receivable 

Long-term customer maturities  

Related parties and stakeholders 

December 31, 
2020 

December 31, 
2019 

NIS millions 

NIS millions 

656 

405 

224 

332 

4 

729 

415 

146 

382 

5 

1,621 

1,677 

Other trade receivables and current tax assets * 

Current tax assets 
Other trade receivables and authorities (mainly in respect of real 
estate sales)  

Advance expenses 

Other long-term trade receivables* 

Clients - open debts 
Long-term trade receivables and authorities (in respect of real estate 
sales) ** 

Frequency grant receivable (see Note 11.1) 

42 

105 

33 

180 

256 

185 

73 

514 

56 

24 7 

39 

342 

304 

173 

 - 

477 

*  Customer balances and trade receivables are presented net of provision for loan-loss. 

** See Note 6.6 

6.2.  Discount rates of long-term customers are in line with the customers' credit risk estimates. 
The interest rates used by the Group for discount in 2020 are 3.26% -8.5% (in 2019: 3.5%-
5.6%). 

2,315 

2,496 

6.3.  Expected exercise dates for long-term trade receivables: 

Expected repayment dates 

2021 

2022 

2023 onwards 

December 31, 
2020 

NIS millions 

266 

114 

134 

514 

38 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

6.4.  Aging of customer debts as of the reporting date: 

December 31, 2020 
Gross customer 
balance 

Provision for 
loan-loss 

December 31, 2019 
Gross customer 
balance 

Provision for 
loan-loss 

NIS millions 

NIS millions 

NIS millions 

NIS millions 

Not in arrears 

Arrears of up to one year 
Arrears of between one and 
two years 

Arrears of over two years 

1,732 

165 

30 

30 

1,957 

(5) 

(37) 

(15) 

(23) 

(80) 

1,800 

185 

34 

42 

2,061 

(5) 

(32) 

(14) 

(29) 

(80) 

6.5.  The activity in the provision for doubtful debts during the year is as follows: 

Balance as of January 1 

Impairment loss recognized 

Loan-loss 

No longer consolidated 

Balance as of December 31 

2020 

2019 

NIS millions 

NIS millions 

80 

26 

(22) 

(4) 

80 

87 

13 

(20) 

- 

80 

6.6  The balance of long-term trade receivables and authorities includes the balance of 
trade receivables in the amount of NIS 106 million in respect of sums paid by Bezeq 
to the Israel Land Authority and the Or Yehuda Local Authority for the sale of the 
Sakia property in 2019: 

On January 21, 2018, Bezeq entered into an agreement for the sale of a real estate 
asset  in  Sakia  (property  near  Mesubim  Junction  in  which  the  Company  had  a 
discounted lease right) and the transaction was completed on May 5, 2019, when 
the  total  consideration  received  by  Bezeq  for  the  asset  (including  linkage 
differences  and  interest  in  accordance  with  the  provisions  of  the  agreement) 
amounted to NIS 511 million, plus VAT. 

On May 21, 2018, Bezeq received a demand from ILA ("Israel Land Authority") 
for the payment of a permit fee in the amount of NIS 148 million plus VAT, in 
respect  of  a  property  improvement  plan  approved  prior  to  the  signing  of  the 
agreement (“the Demand"). Bezeq filed for a legal contention on the Demand. On 
January 20, 2019, ILA rejected all Bezeq claims in the legal contention, however, 
the parties conducted negotiations within the framework of the dispute resolution 
mechanism  set  forth  in  the  settlement  agreement  (the  2003  agreement  between 
Bezeq and  the Israel Lands Administration [currently the Israel  Land Authority] 
and the State regarding most of the real estate assets, including the real estate in the 
"Sakia" property, which were transferred to the Company as part of the transfer of 
assets  prior  to  the  commencement  of  Bezeq's  business  operations).  At  the  same 
time, Bezeq submitted an appraiser's contention in respect of the Demand.  

On August 5, 2018, Bezeq received a demand from the Or Yehuda Local Planning 
and Construction Committee for the payment of an improvement levy in the amount 
of  NIS  143.5  million  due  to  the  exercise  of  the  asset  by  way  of  sale  ("the 
Improvement  Levy  Demand").  On  September  17,  2018,  Bezeq  filed  an  appeal 

39 

 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

against the Improvement Levy Demand, and sent to ILA a demand for the payment 
of the full improvement levy in accordance with the authority's obligation in the 
settlement  agreement.  On  January  20,  2019,  ILA  rejected  Bezeq's  demand  for 
payment of the said improvement levy. Upon completion of the sale transaction as 
stated  above  and  receipt  of  the  full  consideration,  Bezeq  paid  half  of  the 
improvement levy in the amount of NIS 75 million and provided a bank guarantee 
for the other half of the levy, without detracting from or impairing the proceedings 
it has taken or will take in order to cause the cancellation or reduction of this levy. 

It should be noted that the amount of the permit fee to be determined at the end of 
the proceedings can also affect the amount of the improvement levy that Bezeq will 
have to pay to the Planning Committee. In Bezeq's estimation, the amount of the 
permit fee and the improvement levy that it will be required to pay is expected to 
be low and may even be significantly lower than the total amount of the demands. 

In March 2021, Bezeq received a notice from the Accountant General and the Israel 
Land Authority that given the significant differences of position between the parties 
that  could  not  be  bridged,  they  accepted  Bezeq’s  request  to  end  the  dispute 
resolution procedure and allow the dispute to be transferred to the courts. In these 
circumstances, the Company intends to file a lawsuit as soon as possible against the 
Israel Land Authority for the full refund of the money it paid as a permit fee and 
improvements levy. 

Bezeq recognized in its financial statements for 2019 a capital gain before tax in 
the  amount  of  NIS  403  million.  The  recognition  of  the  capital  gain  is  based  on 
Bezeq's estimates of the final amount to be paid to the authorities. It should be noted 
that  to  the  extent  that  Bezeq's  Management  estimates  are  not  realized,  the  final 
capital gain before tax will range between about NIS 250 million to about NIS 450 
million. 

7. 

Income taxes 

7.1.  Corporate tax rate 

Current  taxes  for  the  reported  periods  and  deferred  tax  balances  as  of 
December 31, 2020 are calculated according to the relevant tax rate for the 
group which is 23%. 

7.2.  Final tax assessments 

7.2.1. 

7.2.2. 

The Company has final tax assessments up to and including 2018. 

Bezeq has final tax assessments up to and including 2018. 

On September 15, 2016, at the same time as signing an assessment agreement that 
ended  the  dispute  between  Bezeq  and  the  Assessing  Officer  regarding  financing 
income in respect of the owner's loans to DBS, the Tax Authority granted approval 
for  tax  purposes  to merge DBS  with  and  into  Bezeq,  in  accordance  with  Article 
103B of the Income Tax Ordinance. According to the approval, DBS’s losses as of 
the date of the merger are allowed to be offset against the profits of the absorbing 
company, provided that in each tax year, no more than 12.5% (spread over 8 years) 
of the total losses of the transferring company and the absorbing company or 50% 
of  the  taxable  income  of  the  absorbing  company  in  the  same  tax  year  before 
offsetting  the  loss  from  previous  years,  whichever  is  lower.  Following  this,  the 

40 

 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

validity  of  the  taxation  decision  was  extended,  at  this  stage,  until  December  31, 
2021. 

On  October  2,  2019,  Bezeq  received  a  letter  from  the  Tax  Authority  (“the 
Certificate") extending, at Bezeq's request, the validity of the taxation decision until 
December 31, 2020. In said Certificate, the Tax Authority clarified, among other 
things, that the Tax Authority has full authority to revoke the certificate in the event 
that it becomes clear that there was a material change in Bezeq and DBS's business 
from the date of signing the certificate until December 31, 2019, that the extension 
of the validity of the tax decision refers only to the taxation decision of September 
15, 2016 and only in the outline specified in the taxation decision, that it does not 
detract from the authority of the Tax Authority not to extend for another year the 
validity of the taxation decision beyond  December 31, 2020, and that it does not 
attest  to  the  companies'  compliance  with  the  taxation  decision.  On  November  8, 
2020, Bezeq received a letter from the Tax Authority extending the validity of the 
taxation decision for another year (i.e. until December 31, 2121). 

The balance of DBS losses for tax purposes, as of December 31, 2020, amounts to 
approximately  NIS  5.2  billion.  See  Note  7.6  below regarding  deferred  taxes  that 
were not recognized as carried forward losses. 

Pelephone has final tax assessments up to and including 2018. 
Bezeq International has final tax assessments up to and including 2015. 

7.2.3. 
7.2.4. 
7.2.5.  DBS has final tax assessments up to and including 2014.  
7.2.6. 

Bezeq Online has final tax assessments up to and including 2018. 

7.3.  Income tax expenses components 

For the year ended December 31 

2020 

2019 

2018 

NIS millions 

NIS millions 

NIS millions 

Current tax expenses 

Expenses for the current year 
Adjustments for previous years according to the 
assessment agreement 

Adjustments for previous years  

Total current tax expenses 
Deferred tax expenses 
Write-off of a deferred tax asset in respect of transferred 
losses in DBS (see Note 7.6) 

273 

53 

(3) 

323 

- 

391 

- 

(11) 

380 

1,259 

303 

- 

(24) 

279 

(93) 

41 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Creation and reversal of other temporary differences 

Write-off of a tax reserve due to impairment  
Adjustments in respect of previous years according to 
the assessment agreement 
Reversal of temporary differences under an assessment 
agreement 
Creation of deferred taxes in respect of losses for tax 
purposes from the sale of a subsidiary 

Total deferred tax expenses (revenue) 

Income tax expenses  

* reclassified 

83 

- 

(53) 

18 

(37) 

11 

334 

(187) * 

- 

- 

- 

- 

1,072 

1,452 

(139) 

(114) 

- 

- 

- 

(346) 

(67) 

42 

 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

7.4.  Correlation between the theoretical tax on profit before income 

taxes and tax expenses  

For the year ended December 31 

2020 
NIS millions 

2019 
NIS millions 

2018 

NIS millions 

(1,983) 

23% 

(456) 

Profit (loss) before income taxes 

Statutory tax rate 

 Income taxes according to the statutory tax rate 
Write-off of a deferred tax asset in respect of carried 
forward losses in DBS (see Note 7.6) 
Impairment of goodwill in the cellular communications 
segment in respect of which no deferred taxes were 
created (see Note 11.2) 
Impairment of assets in respect of which no deferred tax 
assets were created 
Expenses that are not recognized for tax and other 
purposes as well as losses in respect of which deferred 
tax assets were created, net 
Creation of deferred taxes in respect of losses for tax 
purposes from the sale of a subsidiary 
Write-off of provision for tax in respect of previous 
years 
Deletion of tax asset due to non-anticipation of future 
profits 
Temporary differences due to impairment of assets in 
respect of which deferred tax assets were not created 
(see Note 11.4) 
Income tax expenses 

1,234 

23% 

284 

- 

- 

47 

16 

(37) 

(7) 

31 

- 
334 

* Reclassified 

(8) 

23% 

(2) 

1,259 

(93) 

160 

(31) * 

69 

- 

- 

- 

(3) 
1,452 

149 

253 

80 

- 

- 

- 

- 
(67) 

7.5. Deferred tax assets and liabilities recognized and changes in them 

Deferred 
tax 
liabilities in 
respect of 
property, 
plant and 
equipment 
and 
intangible 
assets 
NIS 
millions 

Tax asset in 
respect of 
loss for tax 
purposes 
from the 
sale of a 
subsidiary 
NIS 
millions 

Deferred 
tax asset 
due to 
losses in 
DBS 
NIS 
millions 

Deferred 
tax assets 
in respect 
of employee 
benefit 
plans 
NIS 
millions 

 Balance as of January 1, 
2019 
Changes imputed to 
income: 
Creation and reversal of 
temporary differences  
Write-off of a tax reserve 
due to impairment (see Note 
7.6) 
Changes that were 
imputed to capital 

43 

1,259 

268 

(640) 

- 

28 

133 * 

(1,259) 

- 

- 

2 

- 

- 

- 

- 

- 

- 

Other 
deferred 
taxes 
NIS 
millions 

Total 
NIS 
millions 

16 

903 

26* 

187 

- 

- 

(1,259) 

2 

 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

 Balance as of December 
31, 2019 
Changes imputed to 
income: 
Creation and reversal of 
temporary differences  
Changes that were 
imputed to capital 
 Balance as of December 
31, 2020 

Book value 

- 

- 

- 

- 

Deferred tax assets 
Deferred tax liabilities 
Balance as of December 31 

* Reclassified 

298 

(507) 

- 

42 

(167) 

(36) 

(1) 

261 

(31) 

- 

(538) 

37 

- 

37 

19 

(3) 

58 

(11) 

(4) 

(182) 

As of December 31 

2020 
NIS millions 
108 
(290) 
(182) 

2019 
NIS millions 
81 
(248) * 
(167) 

7.6.  Unrecognized deferred tax assets and liabilities 

Following the acquisition of control by Bezeq of DBS in 2015 (as described in Note 13.2.1 
below), the Group recognized a deferred tax asset in respect of transferred losses for tax 
purposes in DBS, the balance of which as of December 31, 2018 amounted to NIS 1,259 
million.  Bezeq's  approval  by  the  Tax  Authority  to  utilize  transferred  losses  for  tax 
purposes is conditional on obtaining approval from the Ministry of Communications to 
eliminate the structural separation between the two companies, and requires the extension 
of the Tax Authority's approval each year from 2020 until the actual merger, as described 
in Note 7.2.1. above.  

In 2019, the Group wrote off the tax asset by changing its estimate and recognizing tax 
expenses  in  the  amount  of  NIS  1,259  million  as  part  of  the  statement  of  income  after 
Bezeq's assessment of the probability of utilizing the tax asset did not meet the threshold 
of more likely than not. 

As of the date of the financial statements, no deferred taxes were recognized in respect of 
carried forward losses for the purpose of tax in DBS in the amount of NIS 5.2 billion and 
no deferred taxes are taken into account in respect of loss from impairment of assets in 
DBS (see Note 11.4). Is not expected in accordance with the Company's estimate for the 
date of the financial statements. 

In  addition, in  calculating the  deferred  taxes,  the  taxes  that  would  have applied  in  the 
event of the  exercise of the investment in subsidiaries and affiliates are not taken into 
account,  since  it  is  the  intention  and  within  the  ability  of  the  Group  to  hold  these 
investments. Deferred taxes for the distribution of profits in subsidiaries and affiliates are 
not taken into account because the dividends are not taxable. Also, the Company does not 
create deferred taxes in respect of its carried forward losses. 

8.  Broadcasting rights  

44 

December 31, 2020 

December 31, 2019 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Cost 

Deducting rights exercised  

Impairment loss (Note 11.5) 

NIS millions 

NIS millions 

1,441 

(599) 

(775) 

67 

1,242 

(578) 

(605) 

59 

See also Note 19 "Engagements" regarding the Group's engagements for the acquisition of the broadcasting 
rights. 

9.  Leases 

Under  the  lease  agreements,  the  Group  leases  mainly  cellular  communication  sites,  buildings 
(including offices, warehouses, communication rooms and points of sale) and vehicles. 

9.1.  Right-of-use assets 

Communication 
sites 

Structures 

Vehicles 

Total 

NIS millions 

NIS millions  NIS millions 

NIS millions 

Cost 
 Balance as of January 1, 2019 
Additions * 

 Deductions in respect of agreements 
terminated or cancelled 
Balance as of December 31, 2019 
Additions * 

966 
146 

(71) 
1,041  
200 

 Deductions in respect of agreements 
terminated or cancelled 
No longer consolidated 

(51) 
- 

 Balance as of December 31, 2020 

1,190 

 Depreciation and impairment losses 
 Balance as of January 1, 2019 
 Amortization for the year  

 Deductions in respect of agreements 
terminated or cancelled 

Changes in agreements and others 
Impairment loss  

 Balance as of December 31, 2019 
 Reduction for the year  

 Deductions in respect of agreements 
terminated or cancelled 

Changes in agreements and others 
No longer consolidated 
Impairment loss (loss write-off) 
 Balance as of December 31, 2020 
 Book value 
 As of January 1, 2019 

 As of December 31, 2019 

169 
185 

(65) 

(4) 
82 

367 
179 

(45) 

(4) 
- 
(82) 
415 

797 

674 

625 
34 

(13) 
646 
609 

(146) 
(14) 

1,095 

115 
120 

(5) 

(2) 
9 

237 
116 

(121) 

(2) 
(3) 
(9) 
218 

510 

409 

286 
28 

(27) 
287 
118 

(80) 
- 

325 

89 
110 

(25) 

(21) 
- 

153 
102 

(83) 

(2) 
- 
3 
173 

197 

134 

1,877 
208 

(111) 
1,974 
927 

(277) 
(14) 

2,610 

373 
415 

(95) 

(27) 
91 

757 
397 

(249) 

(8) 
(3) 
(88) 
806 

1,504 

1,217 

45 

* Additions in respect of new agreements and changes in existing agreements 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

 As of December 31, 2020 

775 

877 

152 

1,804 

9.2.  Liabilities in respect of leases 

Communication 
sites 

Structures 

Vehicles 

Total 

NIS millions 

NIS millions 

NIS millions 

NIS millions 

 Balance as of January 1, 2019 

Additions * 
Deductions  

Financing  expenses  in  respect  of 
lease liabilities 
Lease payments 

 Balance as of December 31, 2019 
Additions * 

Deductions  
Financing  expenses  in  respect  of 
lease liabilities 
Lease payments 

No longer consolidated 
 Balance as of December 31, 2020 

Book  value  as  of  December  31, 
2019 
Current tax liability maturities 

Long-term lease liabilities 

Total balance as of December 31, 
2019 

Book  value  as  of  December  31, 
2020 
Current tax liability maturities 

Long-term lease liabilities 
Total balance as of December 31, 
2020 

810 

150 
(6) 

16 

(180) 

790 
203 

(9) 
18 

(169) 

 - 
833 

519 

32 
(8) 

9 

(124) 

428 
607 

(23) 
10 

(117) 

(10) 
895 

197  One. Two. Three 

593 

790 

230 

603 
833 

305 

428 

97 

798 
895 

222 

53 
(2) 

4 

(110) 

167 
117 

(2) 
2 

(105) 

 - 
179 

96 

71 

167 

88 

91 
179 

1,551 

235 
(16) 

29 

(414) 

1,385 
927 

(34) 
30 

(391) 

(10) 
1,907 

416 

969 

1,385 

415 

1,492 
1,907 

* Additions in respect of new agreements and changes in existing agreements 

9.3.  Analysis of repayment dates of liabilities in respect of the Group's 

lease (Including principal and interest to be paid) 

Expected repayment dates 

Up to one year 

Between one and five years 

Over five years 

Total 

46 

December 31, 
2020 

NIS millions 

433 

897 

803 

2,133 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

9.4.  Options for termination or extension of lease 

In most of its leases the Group has assumed that it was reasonably certain that the 
extension option existing in the agreements will be exercised and therefore there 
are  no  material  liabilities  in  respect  of  leases  not  presented  in  the  financial 
statements. 
Most lease agreements include an option to cancel the agreement while giving prior 
notice and / or payment of a penalty in accordance with what is stipulated in the 
agreements. The Group assumed that it was reasonably certain that the cancellation 
options would not be exercised. 

9.5.  Information regarding material lease agreements that have not yet 

been included in the lease liability measurement 

a.  In October 2020 Bezeq vacated the Company's headquarters in Azrieli Towers 

in Tel Aviv and moved to its new headquarters in Holon. 

b.  In November 2020 Pelephone’s headquarters moved to its new headquarters in 

Petah Tikva. 

10.  Property, plant and equipment 

Cables and 

Cellular 

Landline and 

landline and 

network 

Equipment 

international 

internationa

network 

l network 

equipment 

communicat

(switching, 

ions 

and 

infrastruct

ure for 

multi-

Office 

equipment, 

Land and 

buildings 

transmission, 

infrastructu

channel 

Subscriber 

computers 

power)  

re 

television 
NIS millions 

equipment 

and vehicles 

Total 

1,002 
63 
(147) 

*3,124 
186 
(169) 

5,967 
202 
(159) 

3,351 
173 
(6) 

1,446 
147 
(42) 

2,034 
322 
(113) 

1,153 
63 
(51) 

18,077 
1,156 
(687) 

(113) 

- 

- 

- 

- 

- 

(113) 

805 
35 
(59) 
(20) 

47 

808 

550 

57 
(59) 

3,141 
233 
(181) 
- 

6,010 
222 
(119) 
- 

- 

- 

3,518 
181 

1,551 
120 

2,243 
360 

- 

- 

- 

- 

1,165 
97 
(67) 
(53) 

18,433 
1,248 
(40) 
(73) 

- 

47 

3,193 

6,113 

3,697 

1,610 

2,536 

1,169 

19,126 

1,794 

3,150 

231 
(169) 

201 
(159) 

2,640 
202 

(3) 

1,331 

1,355 

944 

11,764 

26 
(39) 

249 
(105) 

65 
(50) 

1,031 
(584) 

Cost 
Balance as of January 1, 
2019 
Additions 
Subtractions  
Transfer to assets held 
for sale 
Balance as of December 
31, 2019 
Additions 
Subtractions * 
No longer consolidated 
Transfer from assets 
held for sale 
Balance as of December 
31, 2020 
Depreciation and 
impairment losses 
Balance as of January 1, 
2019 
Depreciation for the 
year 
Subtractions 

47 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Transfer to held assets 
for sale 
Impairment loss * 
Balance as of December 
31, 2019 
Depreciation for the 
year 
Subtractions 
No longer consolidated 
Transfer to assets held 
for sale 
Impairment loss (loss 
cancellation) (see Note 
11) 
Balance as of December 
31, 2020 
Book value 
As of January 1, 2019 

(70) 
36 

584 

28 
(32) 
(15) 

13 

(4) 

504 

452 

- 
82 

- 
59 * 

- 

74 

- 
106 

- 
22 

- 
19 

(70) 
324 

1,864 

3,251 

2,913 

1,424 

1,521 

978 

12,535 

230 
(175) 
- 

- 

8 

180 
(119) 
- 

- 

1 

167 
(1) 

36 
(54) 
- 

- 

258 

- 

- 

(63) 

101 

26 

1,928 

3,313 

3,016 

1,507 

1,754 

1,330 

2,817 

711 

115 

679 

69 

(51) 

- 

15 

973 

209 

698 

(66) 

13 

84 

12,995 

6,313 

As of December 31, 
2019 

As of December 31, 
2020 

* Reclassified 

291 

1,277 

1,759 

605 

127 

722 

187 

5,968 

304 

1,265 

2,800 

681 

103 

782 

196 

6,131 

10.1.  The residual value of the Group's copper cables is determined by valuation at the end of 
each quarter. The residual value is approximately NIS 191 million as of December 31, 
2020 and approximately NIS 159 million as of December 31, 2019. 

10.2.  The Group companies examined the lifespan of the property, plant and equipment within 
the framework of depreciation committees, in order to determine the estimated lifespan 
of  their  equipment.  Such  a  change  did  not  have  a  material  effect  on  the  Group's 
depreciation  expenses.  Following  the  findings  of  the  depreciation  committees, 
insignificant changes were made in the estimate of the useful life of certain assets. 

10.3.  Most of the real estate assets used by Bezeq are in a discounted lease from the Israel Lands 
Administration from 1993 for a period of 49 years with an option to extend for another 
49 years. The lease rights are amortized over the term of the lease. 

10.4.  Since  2013,  Bezeq  has  been  establishing  a  fiber  optic  network  that  will  reach  the 
customer's premises, as a basis for the future supply of advanced communication services 
and larger bandwidths than those provided to its customers today. During 2017, the scope 
of  the  fiber  deployment  reached  the  level  necessary  for  them  to  operate  when  it  was 
decided on the technology that would be used, and Bezeq began amortizing the network. 

On September 14, 2020, Bezeq's Board of Directors approved the launch of Bezeq’s fiber 
network deployment plan. Following the decision of the Board of Directors, Bezeq began 
deploying fiber to buildings, including deploying vertical equipment in buildings and on 
March 14, 2021, announced the launch of services to its customers on the fiber network. 
It should be noted that the customer connection will be carried out gradually. 

10.5.  Pursuant to the Communications Order (Telecom and Broadcasting) (Determination of 
Essential Service Provided by Bezeq, the Israel Telecommunications Corporation Ltd.), 
5757-1997, the approvals of the Prime Minister and the Minister of Communications were 

48 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

required  to  grant  rights  to  certain  Bezeq  assets  (including  switches,  cable  network, 
transmission network and databases and information). 

10.6.  For liens in connection with loans and credit, see Note 14. For additional liens, see Note 

20. 

10.7.  For engagements for the purchase of property, plant and equipment, see Note 19. 

49 

 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

11.  Intangible assets 

Computer 
software 
and 
licenses 
NIS 
millions 

Goodwill 
NIS 
millions 

Right to 
use 
cellular 
communic
ation 
frequencie
s 
NIS 
millions 

Customer 
relations 
and brand   Other 
NIS 
millions 

NIS 
millions 

3,079 

2,214 

480 

7,479 

- 
- 

234 
(39) 

- 
- 

- 
- 

3,079 

2,409 

480 

7,479 

- 
- 
(10) 

220 
(36) 
(11) 

86 

- 

- 
- 
- 

221 

- 
(21) 

200 

- 
- 
(119) 

Total 
NIS 
millions 

13,473 

234 
(60) 

13,647 

306 
(36) 
(140) 

3,069 

2,582 

566 

7,479 

81 

13,777 

818 

- 
- 
702 

1,786 

291 

6,151 

175 
(39) 
107 * 

19 
- 
20 

113 
- 
139 

1,520 

2,029 

330 

6,403 

- 
- 
(10) 

153 
(36) 
(6) 

- 

89 

1,510 

2,229 

2,261 

1,559 

428 

380 

21 
- 
- 

(20) 

331 

189 

150 

- 
- 
- 

(45) 

6,358 

1,328 

1,076 

1,559 

353 

235 

1,121 

217 

2 
(21) 
- 

198 

2 
- 
(119) 

- 

81 

4 

2 

2 

9,263 

309 
(60) 
968 

10,480 

176 
(36) 
(135) 

24 

10,509 

4,210 

3,167 

3,268 

Cost 
Balance as of January 1, 
2019 
Self-developed 
acquisitions or additions 
Subtractions 
Balance as of December 
31, 2019 
Self-developed 
acquisitions or additions 
Subtractions 
No longer consolidated 
Balance as of December 
31, 2020 
Depreciation and 
impairment losses 
Balance as of January 1, 
2019 
Amortization for the 
year  
Subtractions 
Impairment loss  
Balance as of December 
31, 2019 
Amortization for the 
year  
Subtractions 
No longer consolidated 
Impairment loss (loss 
cancellation) (see 11.2, 
11.4 and 11.5 below) 
Balance as of December 
31, 2020 
The value in the books 
As of January 1, 2019 

As of December 31, 
2019 

As of December 31, 
2020 

* reclassified 

11.1. 

Right to use cellular communication frequencies 

In  August  2020,  Pelephone  won  a  collection  of  frequencies  following  its 
participation in a tender for advanced bandwidth cellular services. 

50 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Pelephone's win in the frequency allocation has a total cost of NIS 88.2 million (as 
of the balance sheet date, discounted amount of NIS 86 million), with the payment 
date set for September 2022. 
In accordance with the terms of the tender, in order to promote and accelerate the 
development  of  cellular  networks,  inter  alia,  advancing  the  deployment  of  5G 
technology,  the  winning  companies  will  be  eligible  for  a  grant  if  they  meet  the 
engineering conditions of deployment and operation of 250 cellular radio stations 
on 5G and the operation of a minimum bandwidth as specified in the terms of the 
tender, the amount of which, for all its winners, can reach a total amount of NIS 
200 million. 
The grants will be distributed among the eligible winners according to the following 
distribution: 

The first eligible winner will be entitled to 41% of the grant (NIS 82 million), the 
second eligible winner will be entitled to 33% of the grant (NIS 66 million) and the 
third eligible winner will be entitled to 26% of the grant (NIS 52 million). If there 
are two first eligible winners, the grant will be distributed to such winners as an 
average between the amounts (approximately NIS 74 million). If there are three 
first eligible winners, the grant will be divided equally between them. 

As  of  the  date  of  the financial  statements,  Pelephone estimates  that it  meets the 
conditions  for eligibility for the grant and anticipates that it will be entitled to a 
grant in the amount of approximately NIS 74 million (as of the balance sheet date, 
discounted amount of NIS 73 million), which was recognized in the report on the 
financial position under the other trade receivables item under non-current assets.  

On September 29, 2020 upon receipt of the frequencies, Pelephone began operating 
the 5G frequencies at the broadcast sites it upgraded. 

11.2.  Cash-generating units impairment examination  

11.2.1.  For  the  purpose  of  impairment  testing,  goodwill  was  attributed  to  the  Group's 

operating segments as follows: 

Landline interior communications (Bezeq) (11.3) 

December 31, 
2020 

NIS millions 
1,559 
1,559 

December 31, 2019 

NIS millions 
1,559 
1,559 

11.2.2.  The following is the composition of the impairment loss recognized by the Group during 

the years 2018 - 2020: 

Impairment loss in the Internet and international 
communications services segment (see Note 11.6 
below) 

Impairment loss (loss cancellation) in respect of Walla 
(see note 13.4) 

Impairment loss (loss cancellation) in the cellular 
communication segment (see Note 11.3), net 

Impairment loss in the multi-channel TV segment 

2020 

2019 

2018 

NIS millions 

NIS millions 

NIS millions 

279 

(14) 

(257) 

- 

8 

354 

- 

975 

- 

1,329 

171 

37 

478 

1,638 

2,324 

51 

 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

11.3.  Cellular  communications  goodwill 

impairment  examination 

(Pelephone) 

11.3.1.  Valuation as of June 30, 2020 

In light of the update of Pelephone's forecasts due to the spread of the COVID-19 
pandemic (as described in Note 1.2) and in light of the low gap between the value 
of Pelephone's activity as measured on December 31, 2019 and the book value of 
its net operating assets in the Company's books as of June 30, 2020, the Company 
identified possible impairment and updated its forecasts for the coming years. Due 
to  the  aforesaid,  the  Company  estimated  the  recoverable  amount  of  the  cellular 
communication cash-generating unit as of June 30, 2020. 

The value of use of a cellular communication cash-generating unit, calculated using 
the method of discounting future cash flows (DCF), based on the forecast of cash 
flows from operations for a period of five years from the end of the current period 
plus  scrap  value.  The  cash  flow  forecast  is  based,  among  other  things,  on 
Pelephone's performance in recent years and estimates of the expected trends in the 
cellular market in the coming years. 

The  valuation  was conducted  by  an  external  valuator.  Based  on  the  valuation  as 
detailed above, the value of Pelephone's activity amounted to approximately NIS 
1,388  million,  compared  with  the  value  in  the  Company's  books  of  NIS  1,394 
million.  Therefore,  the  Company  recognized  a  loss  from  impairment  of  assets 
attributed to the cellular communication cash-generating unit in the amount of NIS 
8 million. On the other hand, the balance of the deferred tax liability in respect of 
the impairment in the amount of NIS 2 million was reduced. After recognizing the 
impairment, the recoverable amount of the unit is the same as its value in the books. 

11.3.2.  Valuation as of December 31, 2020 

Due to the existence of an asset with an indefinite useful life (brand), the Company 
examined the recoverable amount of the cellular communication cash-generating 
unit as of December 31, 2020. 

The  value  of  use  of  the  Cellular  communication  cash-generating  unit  as  of 
December 31, 2020 is calculated using the method of discounting future cash flows 
(DCF) based on the forecast of cash flows from operations for a period of five years 
from the end of the current period plus scrap value. The cash flow forecast is based, 
among other things, on Pelephone's performance in recent years and estimates of 
the expected trends in the cellular market in the coming years (level of competition, 
price  level,  regulation  and  technological  developments).  A  key  assumption 
underlying  the  forecast  is  that  competition  in  the  market  will  continue  at  high 
intensity in the short term and that a stabilization and a certain increase in the price 
level  will  occur  in  the  medium-long  term.  The  revenue  forecast  is  based  on 
assumptions  regarding  Pelephone’s  subscriber  base,  the  average  revenue  per 
subscriber and the volume of sales of end equipment. The forecast of expenses and 
investments is based, among other things, on assumptions regarding Pelephone’s 
employee base and the salary expenses derived from them, while the rest of the 
operating  expenses  and  the  level  of  investments  were  adjusted  to  Pelephone's 
predicted scope of activity. 

It will also be explained that the forecast includes estimates regarding the effect of 
the COVID-19 pandemic on Pelephone's performance for years to come, according 
to  which  the  pandemic  will  have  a  material  adverse  effect  on  the  Company's 
revenues from roaming services in 2021. The forecast also assumes some damage 

52 

 
Notes to Consolidated Financial Statements as of December 31, 2020 

to roaming revenue in later years in light of the expected long and gradual recovery 
of the aviation and international tourism industries. 

The nominal capital price used in the valuation is 10.3% (after tax) (identical to 
2019).  In  addition,  a  permanent  growth  rate  of  2.5%  was  assumed  (identical  to 
2019). 

The  valuation  is  sensitive  to  changes  in  the  rate  of  permanent  growth  and  the 
discount  rate.  In  addition,  the  valuation  is  sensitive  to  the  net  cash  flow  in  the 
representative year in general, and to the estimated ARPU level (average revenue 
per subscriber) and the number of subscribers at the end of the forecast range in 
particular (a change of NIS 1 in ARPU  throughout the forecast years  leads to a 
change in the value of the activity  in the amount of  approx. NIS 387 million, a 
change of 50k subscribers throughout the forecast years leads to a change in the 
value of the activity in the amount of approx. NIS 445 million). 

The valuation was conducted by an external  valuator. Based on the valuation as 
explained above, Pelephone’s recoverable amount amounted to NIS 2.33 billion, 
compared  with  a  book  value  in  the  Company's  books  of  NIS  1.432  billion. 
Accordingly, the Company recognized the cancellation of a loss from impairment 
attributable 
the  amount  of 
approximately NIS 265 million in the fourth quarter of 2020. The cancellation of 
the loss was carried out up to the amount of impairment attributed to the segment's 
assets. 

the  cellular  communications  segment 

to 

in 

In addition, the Company recognized deferred tax expenses in the amount of NIS 
61 million in respect of changes in deferred tax balances relating to these assets. 
Below  is  a  breakdown  of  the  allocation  of  the  cancellation  of  the  loss  from  the 
impairment of Pelephone's assets as of December 31, 2020: 

Property, plant and equipment 

Intangible assets 

Right-of-use assets 

Total recognized impairment canceled  

NIS millions 

65 

121 

79 

265 

11.4.  Interior 

landline 

communications 

goodwill 

impairment 

examination (Bezeq) 

The balance of goodwill attributable to the landline interior communications cash-
generating  unit  is  NIS  1,559  million.  Therefore,  the  Company  examined  the 
recoverable amount of the landline interior communications cash-generating unit 
as of December 31, 2020. 
Bezeq  Group’s  value  in  use  of  the  landline  interior  communications  cash-
generating  unit  is  calculated  using  the  method  of  discounting  future  cash  flows 
(DCF) based on the forecast of cash flows from operations for a period of five years 
from the end of the current period plus scrap value. 
The  cash  flow  forecast  is  based,  among  other  things,  on  the  Company's 
performance in recent years and estimates of the expected trends in the  landline 

53 

 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

market  in  the  coming  years  (level  of  competition,  price  levels  in  retail  and 
wholesale, regulatory aspects and technological developments).  

The main assumptions at the base of the forecast are: Decrease in revenues from 
telephony (decrease in the number of subscribers, erosion in consumption of call 
minutes per subscriber and a reduction in rates following the hearing regarding the 
determination  of  maximum  rates  for  the  Company's  retail  telephony  services), 
erosion of Internet revenue in the very short term and return to the growth outline 
in  the  medium  and  long  terms  (supported  by  market  growth,  establishment  of 
Internet  services  on  the  fiber  network  and  expected  the  elimination  of  the  split 
between broadband infrastructure service and Internet access service), stability in 
revenue  from  data  communications  and  transmission  and  moderate  growth  in 
Cloud  and  digital  revenue.  Operating,  sales,  marketing  and  investing  expenses 
were  adjusted  to  the  scope  of  the  segment's  activity,  including  forecasts  of 
discounts  regarding  the  gradual  decline  in  the  Company's  employee  base, 
retirement  and  payroll  expenses  derived  therefrom  and  discounts  regarding  the 
timing of fiber-based services and the rate of fiber infrastructure deployment. 

The  nominal  capital  price  used  in  the  valuation  is  7.5%  (after  tax)  (identical  to 
2019). In addition, a permanent growth rate of 0% (identical to 2019) was assumed. 

The valuation was conducted by an external  valuator. Based on the valuation as 
explained above, the Group was not required to amortize in respect of impairment 
of the interior landline communication cash-generating unit. 

11.5.  Multi-channel TV goodwill impairment examination (DBS) 

Bezeq Group’s value in use of the multi-channel television cash-generating unit as 
of December 31, 2020 was calculated using the method of discounting future cash 
flows (DCF) Based on the forecast of DBS's cash flows up to and including 2026, 
plus scrap value. The forecast period has been chosen so that the representative year 
is the year after the estimated date for the completion of the planned outline of the 
migration to television broadcasting via the Internet instead of satellite, as stated 
below. The nominal capital price used in the valuation is 8.5% (after tax) (identical 
to 2019). In addition, a permanent growth rate of 0% was assumed (identical to 
2019). 

The cash flow forecast was based, among other things, on DBS’s performance in 
recent years and estimates of expected trends in the television market for years to 
come including technology development, consumer preferences, competitors and 
level of competition, price level and regulatory obligations.  

A key assumption underlying the forecast is that the relevant future technology will 
be interactive and two-way and that the satellite product will be gradually replaced 
by  the  IP  product  (TV  broadcasts  via  the  Internet)  due  to  the  growing  gap  in 
customer experience. As a result, the multi-year forecast reflects a planned outline 
of  a  gradual  migration  process  (from  satellite  transmission  to  distribution  of 
transmissions  based  on  the  Internet  network)  and  accordingly,  a  gradual 
replacement of satellite converters with IP converters, upgrading the broadcasting 
infrastructure,  building  a  support  system  for  customer  service  and  adjusting  the 
content contracts to OTT (Over The Top) broadcasts. As stated above, the forecast 
period reflects the period of transition from satellite transmission to distribution of 
broadcasts  over  the  Internet  network  up  to  complete  exit  from  satellite.  These 
circumstances, along with the expectation of a continued high level of competition 

54 

 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

throughout the forecast period and a relatively rigid expenditure structure, led to 
significant operating losses and negative cash flows in the coming years and low 
positive cash flow, expected at the end of the forecast period upon the completion 

2020 

2019 

2018 

NIS millions  NIS millions  NIS 

Broadcast rights – net of rights exercised (the expense was 
presented as operating and general expenses) 

Property,  plant  and  equipment  (expense  was  presented  as 
depreciation and impairment expenses) 

Intangible assets (expense was presented as depreciation and 
impairment expenses) 

Deferred expenses (expense was presented as operating and 
general expenses) 

Customer relations and brand 

reputation 

Purchasing subscriptions 

Rights  to  use  leased  assets  (reduction  of  expenditure 
presented as depreciation, amortization and impairment) 

Total recognized impairment  

170 

112 

29 

13 

- 

- 

- 

- 

324 

202 

117 

44 

- 

- 

- 

- 

(1) 

362 

smillio
n 
403 

559 

106 

- 

505 

33 

29 

3 

1,638 

of the change in the technological and business model of DBS. It should be noted 
that the actual implementation of the outline is carried out and will be carried out 
the 
while  continuously  examining  market  conditions,  competition  and 
technological environment and making the adjustments that will be required as a 
result. 

The valuation was conducted by an external valuator. Based on  the valuation as 
explained above, DBS’s total operating value as of December 31, 2020 is negative 
in the amount of approx. NIS 145 million (as of December 31, 2019, total negative 
activity value of 581 NIS million). In light of the negative value of the activity,  as 
of December 31, 2020, the value of DBS's non-current assets was determined to be 
their fair or zero, whichever is higher, similar to the end of 2019 and the end of 
2018. 

in  accordance,  in  2020  Bezeq  Group  recognized  loss  due  to  impairment  in  the 
amount of approx. NIS 324 million. The impairment loss was attributed to DBS’s 
assets  as  detailed  below,  and  is  included  in  the  depreciation,  amortization  and 
impairment expenses item, as well as in the operating and general expenses item in 
the statement of income as stated in Note 3.10.2 above. 

The following is a breakdown of the allocation of loss from the impairment of the 
Group's assets: 

55 

 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

The following is information regarding the manner in which the Group determined 
the  fair  value  (at  level  3)  of  DBS  assets  in  which  the  impairment  occurred  as 
detailed above: 
Rights Broadcast - the fair value of the broadcasting rights is calculated taking into 
account legal restrictions on their sale and based on the stage of production, the 
probability of sale and the expected rate of return on investment therein.  

Property,  plant  and  equipment  -  the  fair  value  of  property,  plant  and  equipment 
available  for  sale  to  a  market  participant  (mainly  converters)  was  based  on  an 
estimate of the amount that can be sold on the day of the assessment net of costs 
that will be required to make the sale. 

Intangible assets – no material fair value was attributed to intangible assets of DBS 
because most of the software and licenses of DBS are uniquely adapted to DBS and 
therefore have no material value in a transaction between a voluntary buyer and a 
voluntary seller. 

Use rights of leased assets - the fair value of the right-of-use assets is affected by 
the ability to lease the asset that is the subject of the lease to a third party, the lease 
fee of the asset on the market and the exit penalties in the lease contract.  

11.6.  Bezeq  International  Ltd.  Impairment  examination 

(Bezeq 

International) 

11.6.1.  Valuation of September 30, 2020 

As  of  the  date  of  the  financial  statements  for  the  third  quarter  of  2020,  Bezeq 
International  has  identified  indications  of  a  possible  impairment  in  view  of  the 
absence of a gap between the value of its operations and the book value of its net 
operating assets as measured on December 31.2019, and following its preparation, 
also  following  the  recommendation  of  the  Ministry  of  Communications  in  its 
appeal from September 10, 2020 and November 8, 2020 to market operators to act 
in a known outline and treating customers who pay Bezeq International by virtue 
of an agreement and do not use ISP services for an extended period (as described 
in Note 13.3). Due to the aforesaid, Bezeq Group estimated the recoverable amount 
of the Internet services, international communications and network endpoint cash-
generating  unit as of September 30, 2020. The calculation of the value in use is 
made  using  the  method  of  discounting  future  cash  flows  (DCF)  based  on  the 
forecast of cash flows from operations for a period of four years from the end of 
2020 plus scrap value. 

The valuation was conducted by an external valuator. Based on  the valuation as 
explained  above,  Bezeq  International's  recoverable  amount  amounted 
to 
approximately NIS 123 million, compared with the book value in the Company’s 
books  of  NIS  392  million.  Thus,  the  Company  recognized  in  the  financial 
statements  as  of  September  30,  2020  loss  from  impairment  attributable  to  the 
Internet services, international communications and network endpoint segment in 
the amount of approximately NIS 254 million. Since Bezeq International does not 
expect future profits, no tax asset has been recognized. In addition, the Group wrote 
off the deferred tax balance which existed in its books in the amount of 43 NIS 
million. 

11.6.2.  Valuation as of December 31, 2020 

56 

 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

At the end of 2020, Bezeq International has updated its forecasts for the coming 
years, taking into account trends and changes in its operating environment. Due to 
the aforesaid, and in view of the absence of a gap between the value of the activity 
and the book value of Bezeq International’s net operating assets as measured on 
December 31, 2019 and September 30, 2020, and following preparations for the 
hearing published by the Ministry of Communications on October  4, 2020 and the 
secondary hearing published on February 24, 2021 on examining the split between 
infrastructure  service  and  access  service  (as  described  Note  13.3).  The  Group 
international 
estimated 
communications  and  network  endpoint  cash-generating  unit  as  of  December  31, 
2020. 

the  recoverable  amount  of 

the  Internet  services, 

The value in use of the Internet services, international communications and network 
endpoint cash-generating unit is calculated using the method of discounting future 
cash flows (DCF) based on the forecast of cash flows from operations for a period 
of five years from the end Year 2020 plus scrap value. 

The  cash  flow  forecast  was  based,  among other things,  on  Bezeq international’s 
performance in recent years and estimates of the expected trends in the markets in 
which it operates for years to come (level of competition, price level, regulation and 
technological developments).  

The  revenue  forecast  is  based  on  discounts  regarding  the  status  of  Bezeq 
International's  Internet  subscribers  and  the  average  revenue  per  subscriber 
(including  discounts  regarding  notification  and  termination  of  charges  for 
subscribers who do not use ISP services) and regarding the effects of the hearing 
on  examining  the  split  between  infrastructure  service  and  access  service, 
assumptions  regarding  Bezeq  International's  activity 
international 
communications market and assessments regarding its development in the field of 
business  communications  services.  Operating,  sales,  marketing  and  investing 
expenses were adjusted to the scope of the segment's activity, including forecasts 
regarding  the  extent  of  the  decline  in  Bezeq  International's  employee    base,  the 
payroll expenses derived from them and assumptions regarding the development of 
Internet traffic costs (retail  and  wholesale  rates  and the  development  of  Internet 
broadcasting  in  general  and  the  expected  migration  of  DBS  from  satellite  TV 
broadcasts to Internet TV broadcasts in particular). 

the 

in 

These  assumptions,  and  especially  the  expected  profound  changes  in  Bezeq 
International's  Internet  operations,  have  predicted  negative  operating  losses  and 
negative  cash  flows  in  the  coming  years.  The  nominal  capital  price  used  in  the 
valuation  is  9.7%  (after  tax)  (identical  to  2019).  In  addition,  in  the  absence  of 
expected increase in losses and negative flows, a permanent growth rate of 0% was 
assumed (in September 2020 - 0.8% and in 2019 - 0.7%). 

The valuation is sensitive to the net cash flow in the represented year in general, 
and  the  intensity  of  the  changes  In  the  field  of  Internet  activity  in  particular 
(subscribers, ARPU and traffic costs). The sensitivity of the valuation to changes in 
the rate of permanent growth and the discount rate is low in light of the expectation 
of (negative) low-volume cash flows. 

The valuation was conducted by an external valuator. Based on  the valuation as 
explained above, the value of Bezeq International's activity amounted to a negative 
amount  of  approximately  NIS  145  million.  In  light  of  the  negative  value  of  the 
activity, the value of Bezeq International's non-current assets was determined as of 

57 

 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

December 31, 2020, as their fair value net of exercise costs or zero, whichever is 
higher.  

In accordance, the fair of value of Bezeq International net of exercise costs as of 
December 31, 2020 Is about NIS 28 million, and in the fourth quarter the Group 
recognized an additional impairment loss of approximately NIS 25 million. Since 
Bezeq International does not expect future profits in the coming years, no tax asset 
has been recognized. 

11.6.3.  The following is a breakdown of the allocation of loss from the impairment of 

the Bezeq International’s assets in 2019 and 2020: 

2020 

2019 

NIS millions 

NIS millions 

Property, plant and equipment and intangible assets 

148 

Long-term advance expenses for capacities and additional 
advance expenses 

Use rights of leased assets 

Total recognized impairment  

* reclassification. 

128 

3 

279 

242 * 

111 * 

1 

354 

The Group allocated the impairment loss to its assets on the basis of book value 
ratios and limited the allocation to the fair value of each of its assets, as determined 
in  the  valuation  conducted  on  the  basis  of  the  net  asset  value  method,  as  stated 
above. 

The following is information regarding the manner in which the Group determined 
the fair value (at level 3) of the assets net of exercise costs: 

Property, plant and equipment - the fair value of property, plant and equipment that 
can be sold to a market participant was based on the cost approach which takes into 
account the cost of replacing new equipment net of physical wear and tear costs 
and technological obsolescence net of costs required to make the sale. 

Intangible  assets  -  no  material fair value  has been  attributed  to  intangible  assets 
since  most  of  the  software  and  licenses  have  been  uniquely  adapted  to  Bezeq 
International  and  therefore  have  no  material  value  in  the  transaction  between  a 
voluntary buyer and a voluntary seller. 

International capacity - in light of the nature of the agreements signed, which do 
not allow these rights to be transferred except to the Company or sister company of 
Bezeq International, which is not considered a market participant (third party) for 
the  purpose  of  calculating  fair  value  according  to  International  Accounting 
Standard IFRS13, these rights have no fair value. 

Short-term  and  long-term  expenses  -  no  material  fair  value  was  attributed  to 
advance expenses for the maintenance of its systems since most of the maintenance 
agreements were uniquely adjusted to Bezeq International and therefore have no 
material value in the transaction between a voluntary buyer and a voluntary seller. 

Rights of use of leased assets - the fair value of the right-of-use assets is affected 
by the ability to lease the asset subject to the lease to a third party, the lease fee of 
the asset in the market and the exit penalties in the lease. 

58 

 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

12.  Deferred expenses and non-current investments 

December 31, 2020 

December 31, 2019 

NIS millions 

NIS millions 

Subscriber acquisition assets, net (see Note 12.3 below) 

Long-term investment in bank deposits 

Deferred expenses (see Note 12.1 below) 
Bank deposit used to provide loans to the Company's employees 
(see Note 12.2 below) 

Rights of use of capacities (see Note 12.4 below) 

Investments in equity accounted investees 

165 

160 

37 

36 

- 

4 

402 

*reclassified 

160 

- 

30 

45 

102 * 

6 

343 

59 

 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

12.1.  The following is a list of subscriber acquisition assets: 

Subscriber acquisition assets 
NIS millions 

Cost 
Balance as of January 1, 2019 

Additions  
Subtractions  

Balance as of December 31, 2019 
Additions  

Subtractions  
Balance as of December 31, 2020 

Depreciation and impairment losses 
Balance as of January 1, 2019 

Depreciation  
Subtractions 

Balance as of December 31, 2019 
Depreciation  

Subtractions 
Balance as of December 31, 2020 

Book value 

 As of January 1, 2019 

 As of December 31, 2019 

 As of December 31, 2020 

333 

130 
(25) 

438 
137 

(98) 
477 

191 

112 
(25) 

278 
132 

(98) 
312 

142 

160 

165 

12.2  The  balance  of  deferred  expenses  as  of  December  31,  2020  is  presented  net  of 
impairment  of  assets  in  the  amount  of  NIS  14  million  (see  Note  11.6  regarding 
impairment of Bezeq International). 

12.3  Bank deposit for the provision of loans to Bezeq’s employees without a repayment date. 

12.4 

Transactions for the purchase of indefeasible right of use ("IRU") in underwater cable 
capacities by Bezeq International are treated as service receipt transactions. According 
to the contract, Bezeq International has right to use the capacities until 2022 with the 
option to extend until 2027, which Bezeq International expects to exercise. The value 
of the service provided is amortized by a straight line until 2027. The balance of Bezeq 
International's liability in respect of the agreement as of December 31, 2020 is USD 8.4 
million.  In  February  2021,  Bezeq  International  signed  an  agreement  to  extend  the 
periods of use of the capacities until July 2030. In respect of the said rights of use, Bezeq 
International pays a payment spread over annual payments throughout the period of the 
use of the capacity. 

Balance of use rights of capacities as of December 31, 2020 and as of December 31, 
2019, is presented net of impairment of assets in the amount of NIS 213 million and NIS 
111 million, respectively (see Note 11.6 regarding impairment in Bezeq International). 

60 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

13.  Investee companies 

13.1.  Subsidiaries 

13.1.1.  The place of incorporation of the companies directly held by the Company is Israel. 
The following is a list of the companies and subsidiaries held by the Company and 
the Company's rights in the share capital of the subsidiaries as of December 31, 
2020: 

Bezeq the Israel Telecommunications Corporation Ltd. 
B Communications SP1 Ltd. 
B Communications SP2 Ltd. 
B Communications 2 Limited Partnership  
Companies held by Bezeq: 
Pelephone Communications Ltd. 
Bezeq International Ltd. (see Note 13.3 below) 
DBS Satellite Services (1998) Ltd. (see Note 13.2 below) 
Bezeq Online Ltd. 

26.72% 
100% 
100% 
100% 

100% 
100% 
100% 
100% 

* On December 10, 2020, the Company acquired additional shares of Bezeq 

and rose to a holding rate of 26.72%, see Note 13.6 below. 

** Until December 27, 2020, Bezeq held 100% of the share capital of Walla! 
Communications Ltd. For more details, see Note 13.4 regarding the sale of 
Walla. 

13.1.2.  Examination of a plan for structural change in Bezeq's subsidiaries 

On  March  24,  2021,  Bezeq's  Board  of  Directors  adopted  the  decisions  of  its 
subsidiaries'  boards  of  directors  to  examine  the  deepening  of  the  synergies  and 
operational streamlining of the subsidiaries, based on outline principles that will 
include  a  full  and  statutory  merger  of  Bezeq  International  with  and  into  DBS 
(subject  to  required  regulatory  approvals),  following  the  splitting  of  Bezeq 
International's  integration  activity  into  a  new  separate  corporation  in  the  Group, 
while  examining  the  deepening  of  the  synergy  between  the  subsidiaries  by 
providing  certain  headquarters  services  to  the  subsidiaries  by  Pelephone.  The 
findings of the examination and an implementation plan for the examined change 
will  be  brought  to  Bezeq’s  Board  of  Directors  for  discussion  and  approval  (as 
required). 

13.2.  DBS Satellite Services (1998) Ltd. 

13.2.1. 

Until March 25, 2015, Bezeq held approximately 49.78% of the shares of 
DBS and also owned options which gave it a right to approximately 8.6% of 
the shares of DBS and which Bezeq refrained from exercising until that date. 
The balance of DBS shares was held by Eurocom DBS Ltd. (Bezeq, which 
was (indirectly) controlled by the controlling shareholders in the Company 
at the time). On March 25, 2015, Bezeq exercised the options granted to it, 
free of charge, and on June 24, 2015, Bezeq completed a transaction in which 
it acquired the entire holdings of Eurocom DBS in DBS, as well as all the 
owner loans that Eurocom provided to DBS (the "Purchase Transaction"). 

61 

 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Upon completion, Bezeq transferred to Eurocom DBS the cash consideration 
for the Purchase Transaction in the amount of NIS 680 million. 

In accordance with the terms of the Purchase Transaction, in addition to the 
cash consideration of NIS 680 million, the consideration also included two 
additional contingent items of consideration as follows: one additional item 
of consideration of up to NIS 200 million to be paid in accordance with the 
tax synergy according to the terms defined in the purchase agreement (“First 
Contingent  Consideration");  And  an  additional  item  consideration  in  the 
amount of up to NIS 170 million, to be paid according to DBS’s business 
results in the years 2015-2017 ("Second Contingent Consideration "). 

Upon completion of the said Purchase Transaction, DBS became a wholly 
owned  (100%)  subsidiary  of  Bezeq.  Bezeq  consolidates  the  financial 
statements of DBS as of March 23, 2015. 

Most of the First Contingent Consideration was paid after Bezeq entered into 
an  assessment  agreement  and  a  taxation  decision  with  the  Tax  Authority 
regarding financing income, owner loans, DBS losses and a merger (see also 
note 7). 

in 

the 

In respect of the Second Contingent Consideration, Bezeq paid advances in 
the amount of approximately NIS 119 million. In return, Bezeq joined the 
Company  as  a  creditor 
liquidation  process  of  Eurocom 
Communications.  In  addition,  following  Bezeq's  demand  from  Eurocom 
DBS to pay the Company the amount of the advance in respect of the Second 
Contingent Consideration, plus interest as stipulated in the agreement, after 
the  objectives  entitling  Eurocom  DBS  to  this  consideration  were  not 
achieved, on April 22, 2018, the Tel Aviv District Court granted, at Bezeq's 
request,  an  order  to  dissolve  Eurocom  DBS,  and  Bezeq’s  counsel  was 
appointed as the liquidator of Eurocom DBS according to Bezeq's estimate 
for December 31, 2020, given the solvency of Eurocom DBS, no repayment 
of the advances is expected. 

13.2.2. 

As of December 31, 2020 DBS has an equity deficit of approximately NIS 
81 million and a working capital deficit in the amount of approximately NIS 
260 million. In accordance with DBS’s forecasts, it expects to continue to 
accumulate operating losses in the coming years and therefore will not be 
able  to  meet  its  obligations  and  continue  to  operate  as  a  going  concern 
without Bezeq's support. 

During  2020,  Bezeq's  Board  of  Directors  approved,  once  a  quarter,  the 
granting of a non-recurring commitment by Bezeq to DBS to provide a credit 
facility  or  an  investment  in  capital,  when  the  last  approval  was  given  in 
November 2020 in the amount of up to NIS 150 million for a period of 15 
months until December 31, 2021. It should be noted that during 2020 Did 
not make any use of this framework by DBS. 

In  March  2021  Bezeq's  Board  of  Directors  approved  the  issuance  of  an 
irrevocable commitment by Bezeq to DBS to provide a credit facility or an 
investment in capital in the amount of up to NIS 150 million, for a period of 
15 months, starting on January 1, 20021 And until March 31, 2022, instead 
of the commitment from November 2020. 

62 

 
Notes to Consolidated Financial Statements as of December 31, 2020 

13.2.3. 

According to the assessment of DBS’s management, the sources of financing 
available to it, which include, inter alia, the working capital deficit and the 
credit  facility  and  capital  investment  framework  from  Bezeq  as  stated  in 
section 13.2.2 above, will meet the needs of DBS’s activity for the coming 
year. 

13.3. Bezeq international Ltd. 

13.3.1.  The  Ministry  of  Communications'  recommendation  to  reduce  the 

phenomenon of inactive subscribers 

On  September  10,  2020,  the  Ministry  of  Communications  contacted  Bezeq 
International (and other telecommunications operators) in a letter in which it 
raised concerns that some subscribers to Internet services or other services, such 
as email box, do not use them and are not even aware of this. In its request, the 
Ministry recommends to take action to inform and stop charging subscribers 
who do not use these services, and also requests periodic reports on the matter, 
during the next 6 months. On November 8, 2020, another letter was received 
from the Ministry of Communications, according to which the Ministry expects 
that in the next reporting point (set for December 17, 2020), the data reported 
to the Ministry by the communication operators will significantly reduce the 
phenomenon  and  that  reference  should  be  made  to  the  manner  in  which  the 
licensee acts to prevent the recurrence of the phenomenon. It was also stated 
that the Ministry will consider in the future whether to set binding provisions in 
the matter, in case proactive actions will not lead to a significant reduction in 
this  matter.  See  in  this  context  Note  11.6  regarding  impairment  in  Bezeq 
International. 

13.3.2.  Hearing on examining the split between infrastructure service and access 

service (ISP) 

On October 4, 2020, a hearing was published on examining the split between a 
broadband  infrastructure  service  and  Internet  access service  (ISP)  (“the  First 
Hearing"), according to which the Ministry of Communications intends to take 
policy measures that include, inter alia, amending the licenses of infrastructure 
owners Bezeq and "Hot Telecom" so that starting from January 1, 2022 they 
will  be  allowed  to  provide  customers  with  a  unified  Internet  service  that 
includes the components currently known as "broadband access service to ISP 
providers” and “ISP service", under the conditions set forth in the hearing. 

On February 24, 2021, a secondary hearing on the same matter was published 
on the website of the Ministry of Communications (the "Secondary Hearing"), 
which  includes  substantive  amendments  to  the  outline  proposed  in  the  First 
Hearing. In line with the Ministry’s position, it is adamant that the consolidation 
of  the  retail  Internet  service  into  a  unified  product  should  continue  to  be 
promoted, along with the existence of a competitive market. See in this context 
Note 11 regarding impairment in Bezeq International. 

13.4.  Walla! Communications Ltd. 

On December 27, 2020, Bezeq completed a transaction with the Jerusalem Post Ltd. (“the 
Buyer") for the sale of all Bezeq holdings in Walla, in exchange for a total of NIS 65 

63 

 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

million, of which NIS 55 million in cash, and the balance through Bezeq's entitlement to 
receive from the Buyer and Walla (and entities related thereto) advertising space for a 
period of up to 7 years from the date of completion of the transaction, after receiving the 
regulatory  approvals  for  the  sale.  Accordingly,  as  of  the  said  date,  Bezeq  stopped 
consolidating the financial statements of Walla In the Bezeq Group's reports. It should be 
noted  that  the  sale  agreement  included  Bezeq's  obligation  to  indemnify  the  Buyer  in 
certain circumstances. 
Upon completion of the sale transaction, Bezeq recognized a capital gain before tax of 
approximately NIS 22 million. 

13.5  The Company's control of Bezeq 

The Company Holds the control permit in Bezeq and controls Bezeq on the basis of two 
facts: 1) The Company holds significantly more voting rights than any other shareholder, 
while  the  other  holdings  in  Bezeq  are  highly  dispersed.  2)  Israeli  law  and  regulation 
require the receipt of government approval for the entire body that wants to increase its 
holding  of  over  5%  in  Bezeq  or  that  wishes  take  measures  together  with  another 
shareholder in favor of appointing a director in Bezeq or to influence ongoing operational 
decisions in Bezeq. Through these restrictions and through the Company's representatives 
on Bezeq's Board of Directors, the regulatory regime ensures that no individual or entity 
will interfere in control of Bezeq except the holder of the control permit. 

13.6  Acquisition of additional Bezeq shares by the Company 

On  December  10,  2020,  the  Company  acquired  10,580,000  ordinary  shares  of  the 
subsidiary Bezeq. The Company acquired such shares in exchange for the payment of a 
total amount of approximately NIS 40 million and at an average price of NIS 3.78 per 
share.  Following  the  said  acquisition,  the  Company  holds  26.72%  of  the  issued  share 
capital and voting rights in the subsidiary 

13.7  Non-controlling interests 

The table below presents data regarding the investees in the Group, including adjustments to fair value made 
on the day of acquisition, except for goodwill, the non-controlling interests in which are material to the group:  

As of December 31 

Rate of 

ownership held 

by the non-

controlling 

interests 

% 

Non-current 

Current assets 

assets 

Current 

liabilities 

Non-current 

Book value of 

non-controlling 

liabilities 

Net assets 

interests 

NIS millions 

2020 

2019 

2018 

73.28 

73.66 

73.66 

3,446 

3.754 

4,450 

10,835 

10.014 * 

12,345 

3,559 

3,817  

4,599 

10,091 

10,312 * 

11,702 

631 

(361) 

494 

534 

(197) 

433 

* reclassified 

64 

Year ended December 31 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Other 

Other 

comprehensive 

Profit (loss) 

income (loss) 

attributed to non-

attributable to 

Net profit 

comprehensive 

Comprehensive 

controlling 

non-controlling 

Revenue 

(loss) 

profit 

profit (loss)  

interests  

interests 

NIS millions 

2020 

2019 

2018 

8,723 

8,929 

9,321 

1,008 

(822) 

(1,154) 

(12) 

(32) 

42 

996 

(854) 

(1,112) 

743 

(607) 

(850) 

732 

(630) 

(819) 

Year ended December 31 

Cash flow from 

Cash flow from 

Cash flow from financing activities 

operating 

activities 

investing 

activities 

(without dividend to non-controlling 

interests) 

Dividend 

NIS millions 

Total increase 

(decrease) in 

cash and cash 
equivalents  

2020 

2019 

2018 

3,252 

2,924 

3,512 

(871) 

(883) 

(2,552) 

(1,941) 

(2,531) 

(1,746) 

- 

- 

(505) 

440 

(490) 

(1,291) 

65 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

14.  Bank loans and debentures 

14.1.  Composition: 

Current liabilities 
Current bond maturities 
Current loan maturities 

Non-current liabilities 
Bonds 
Loans  

Bank loans and debentures 

December 31, 
2020 

December 31, 
2019 

NIS millions 

NIS millions 

583 
202 
785 

7,578 
1,907 
9,485 

10,270 

590 
417 
1,007 

7,443 
2,969 
10,412 

11,419 

Changes in Bezeq's debt composition in 2020: 

14.1.1. 

Debt Raising 

On April 7, 2020, Bezeq published a prospectus of registration for trading 
and  unblocking  and  a  shelf  prospectus  by  Bezeq  dated  April  8,  2020. 
Following the publication of the prospectus, on April 26, 2020, Series 11 and 
12 bonds were delisted from trading on the "Institutional Sequence" list and 
began trading on the Stock Exchange's main list on that date. The interest 
rate to be paid in respect of the balance of the bond principal as of the date 
of their listing for trading on the main list on the Stock Exchange has been 
reduced by 0.4%, in accordance with the terms of the debentures. 

In May 2020, Bezeq completed an offering according to a shelf offer report 
dated May 26, 2020, which was published according to the prospectus (as 
stated above), of Bezeq's bonds (Series 11 and 12) by expanding the series 
listed  for  trading  on  the  Stock  Exchange's  main  list.  The  total  (gross) 
consideration received in respect of the issue amounted to NIS 724.4 million. 

14.1.2. 

Early repayments  

During the year 2020 Bezeq repaid in early repayment a private loan from 
an institutional entity in the amount of NIS 500 million and a loan from a 
banking corporation in the amount of NIS 360 million. 

As a result of the early repayments, Bezeq recognized financing costs in the 
amount of approximately NIS 65 million. 

66 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

14.2 Terms of bonds and loans 

Loans  from  banking  corporations  in 
Bezeq: 
Non-linked loans, bearing fixed interest 
rates 
Total loans from banking corporations 
in Bezeq 
Loans from financial institutions in 
Bezeq: 
Non-linked loans, bearing fixed interest 
rates 
Non-linked loans, bearing fixed interest 
rates 
Total loans from financial institutions in 
Bezeq 

Total loans in Bezeq 
Bonds issued to the public by the 
Company: 
Series C - Non-linked, bearing fixed 
interest rates 
Series D - Non-linked, bearing fixed 
interest rates 
Series E - Non-linked, bearing fixed 
interest rates 
Total bonds issued to the public in the 
Company 

Bonds issued to the public by Bezeq: 
Series 6 - linked to the consumer price 
index, bearing fixed interest rates  

December 31, 2020 
Book 
Book balance 
balance 
NIS millions  NIS millions  NIS millions 

Par value 

December 31, 2019 

Interest rate 
range 

Par value 
NIS millions 

1,118 

1,118 

1,113 

1,113 

1,836 

1,836 

1,823 

1,823 

6.85% - 
3.2% 

1,517 th most 
common 

1,520 

4% -3.22% 

974 

17 

991 

975 

17 

992 

33 

1,550 

2,109 

2,105 

3,386 

33 

1,553 

3,376 

1,716 

1,856 

1,708 

1,878 

54 

100 

58 

100 

53 

100 

58 

100 

1,870 

2,014 

1,861 

2,036 

1,055 

1,000 

1,600 

1,500 

Series 7 - Non-linked, bearing fixed interest 
rates 
Series 9 - Non-linked, bearing fixed interest 
rates 
Series 10 - linked to the consumer price 
index, bearing fixed interest rates  
Series 11 - Non-linked, bearing fixed 
interest rates* 
Series 12 - linked to the consumer price 
index, bearing fixed interest rates * 
Total bonds issued to the public in Bezeq 

71 

71 

107 

2,186 

2,145 

2,197 

894 

841 

1,244 
6,291 

882 

835 

1,269 
6,202 

902 

605 

761 
6,172 

Total bonds 

8,161 

8,216 

8,033 

107 

2,145 

882 

603 

799 
6,036 

8,072 

Total loans and bonds 

10,270 

10,321 

11,419 

11,448 

* Following the publication of Bezeq's prospectus, on April 26, 2020, Bezeq's Series 11 and 12 bonds 
were delisted from trading in the "Institutional Sequence" list and began trading on the Stock Exchange's 
main list at that time. The interest rate to be paid in respect of the balance of the bonds principal as of the 

67 

5.25% 

3.85% 

3.85% 

3.85% 

3.7% 
Short-term 
loan for the 
year + 1.4% 

3.65% 

2.2% 

3.2% 

1.7% 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

date  of  their  listing  for  trading  on  the  main  list  on  the  Stock  Exchange  has  been reduced  by  0.4%,  in 
accordance with the terms of the bonds. 

14.3. Bonds issued by the Company 
14.3.1  Series C Bonds, D and E 

On  September  18,  2016,  the  Company  issued  Series  C  bonds  with  a  par  value  of 
approximately NIS 1.9 billion to the public. In accordance with the original  principal 
terms  which  were  valid  until  the  date  of  the  Searchlight-Forer  transaction,  the  bond 
principal was due in five installments as follows: four equal annual installments at the 
rate of 7.5% of the bond principal to be paid on November 30 of each of the years 2020 
to  2023.  The  last  payment  at  the  rate  of  70%  of  the  bond  principal  to  be  paid  on 
November 30, 2024. Also, the bonds bore interest at the rate of 3.6% which To be paid 
twice a year on May 31 and November 30 of each of the years 2017 to 2024. The bonds 
are not indexed. 

On January 16, 2017, and January 23, 2018, the Company completed private offerings 
to institutional investors in the amount of NIS 118 million par value Series C bonds for 
approximately  NIS  118  million,  and  NIS  240  million  par  value  Series  C  bonds  for 
approximately NIS 249 million, by way of series expansion. The expansions were made 
under the same conditions as set forth in the original offering held in September 2016. 

On December 2, 2019 (hereinafter – the Arrangement Date) as part of the Searchlight 
Forer transaction, the Company performed the following actions in connection with its 
bonds: 

1.  An early repayment of NIS 614 million par value for Series C bonds, including the 

accrued interest up to that date. 

2.  A private offering of NIS 310 million par value of Series C bonds for Internet Gold. 

3.  Conversion of NIS 58 million par value from Series C to Series D (new series). 
4.  Raising the coupon interest rate on Series G bonds 3.85%. 

5.  Replacement of all previous financial criteria related to credit rating, equity, etc. to 

current LTV financial criteria as described below. 

6.  Granting a second-degree lien on series C and D bonds on 26.34% of Bezeq's share 

capital. 

7.  Completion  of  a  private  placement  of  NIS  100 million  par  value  Series  E  bonds 

(new series). 

8.  On  December  2,  2019,  and  as  part  of  the  arrangement  with  its  bondholders,  the 
Company issued NIS 58 million in Series D in exchange for NIS 58 million in Series 
C. 

9.  In addition, at the same time, the Company issued NIS 100 million par value Series 

E for NIS 100 million. 

68 

 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

The series of bonds B, D, and E will be paid in one installment on November 30, 
2024. The annual coupon interest on the bond series is NIS 3.85%. The bonds are not 
linked to the consumer price index. The interest will be paid once every six months, 
on May 31 and November 30 each year from 2020 to 2024. 

In accordance with the terms of Series C, D and E Series, the Company undertook to 
deposit semiannual interest in respect of the various series of bonds in a trust account 
for the benefit of the bondholders. As of December 31,  2020, NIS 39 million  are 
deposited in a trust account for the benefit of the bondholders. 

As of December 31, 2020, the total par value of the C, D, and E bond series that is 
not held by the Company is NIS 2,014 million. 

The  following  are  the  financial  criteria  that  the  Company  has  committed  to  in 
connection with the bond series: 

 14.3.3 Debt to asset ratio (LTV): 

The debt-to-asset ratio will be initially calculated 24 months after the date of the 
Searchlight-Forer  transaction  (December  2,  2019)  and  will  not  exceed  the 
following thresholds for two consecutive quarters: 

The ratio will not exceed the 80% threshold by November 30, 2023; and 

The ratio will not exceed the 75% threshold from December 1, 2023 until the last 
payment of the bond fund. 

As of December 31, 2020, the Company complies with the debt-to-asset ratio. 

14.3.4 Restrictions on the distribution of a dividend: 

The Company undertook to refrain from distributing a dividend to its shareholders 
and / or to repurchase its shares and / or other distribution as defined in the Israeli 
Companies Law 5769-1999, unless all the conditions listed below are met: 

1.  The Company is not in breach of any of the financial criteria. 

2. There is no ground for immediate repayment when the decision is made to make 
the distribution, and there is no such ground as a result of this distribution: 

3. The debt to asset ratio after the distribution shall not exceed 65%. 

14.3.5 Lien on Bezeq shares: 

Series E has an initial lien on 26.34% of the Company's holdings in Bezeq, while 
Series C and D have a second-degree lien on the same holdings as stated above. 

The Ministry of Communications approved the above lien and granted a lien to the 
bond series trustee. 

14.3.6 Control of Bezeq: 

69 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

The Company undertook to directly and / or indirectly hold at least 25% of Bezeq's 
issued  and  paid-up  share  capital,  unless  a regulatory approval is obtained in  the 
form  of  a  permit  /  approval  that  allows  the  aforementioned  holding  rate  to  be 
reduced. 

14.3.7 Company control 

Searchlight and the Forer family undertook to refrain from transferring control of 
the  Company  (directly  or  indirectly)  to  another  entity  that  had  not  received  in 
advance the full regulatory approvals required, should such approvals be required, 
at the relevant time. 

14.3.8 Profit from change in the terms of the bonds 

The Company examined the materiality of the change in the terms of its debt series 
following  the arrangement  with  the  debtors  and  came  to  the  conclusion  that the 
change in the terms is material. As a result, the Company deducted from the books 
the bonds from the original C series, and recognized new bond series C and D which 
were measured as of the Arrangement Date according to the market price quoted as 
of that date. As a result, profit in the amount of NIS 177 million was created for the 
Company, which is presented as part of the financing income item in the statement 
of income for 2019. 

14.3.9 Change in the terms of the Company’s bond series 

On September 17, 2020, the meetings of the bondholders (Series C and E) approved 
the amendment of the trust deeds of the said series, in a manner that will allow the 
Company to raise additional debt that will be secured by a lien on Bezeq shares 
pledged  in  favor  of  Series  C,  pari-passu  with  Series  C,  under  the  following 
limitations: 

a.  The additional debt raised by the Company (net of the issue expenses) will first 
repay bonds (Series D) and bonds (Series E) in full, so that after its raising and 
after completing the conditions required for the release of the proceeds from 
issuing the additional series and amending existing liens in favor of Series C, 
a first-degree lien will be recorded on the pledged Bezeq shares (as defined in 
the  trust  deed)  for  the  benefit  of  the  bondholders  (Series  C)  instead  of  the 
second-degree  lien  currently  registered  in  their  favor  (as  long  as  the  bonds 
(Series E) are in circulation). 

b.  After the full repayment of the debt in respect of the bonds (Series D) and the 
bonds (Series E), the balance of net proceeds from the issue of the additional 
debt will be used for the purpose of repayment of the bonds (Series C), by early 
redemption (full or partial), according to the terms of the existing trust deed. 

The duration of the new series issued by the Company will be longer than that 
of the bonds (Series C) and the payment of the first principal in respect of the 
bonds from the new series as aforesaid will be only after full repayment of the 
bonds (Series C). 

70 

 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

In addition, the amount of early repayment to be paid to the bondholders in the event 
of early repayment of the bonds by the Company has been amended as follows:  

In relation to the bonds (Series C) - in the case of a partial early repayment of the bonds 
(Series C), the price of the partial early repayment will be the par value of the bonds 
(Series C) or their market value according to the 30 trading days preceding the early 
redemption, whichever is higher. 

In relation to bondholders (Series E) - the full early repayment price will be: (1) The 
market value of the bonds according to the price of the bonds on the stock exchange 
in the 30 trading days preceding the early redemption, the early repayment price, but 
not more than 103.5% of the par value, or (2) the par value of the bonds (Series E), 
whichever is higher.  

14.4.  Loans and bonds issued by Bezeq 

The following is a list of the terms that Bezeq undertook in relation to the loans 
received and the bonds issued: 

14.4.1. 

In relation to the total Bezeq debt, common reasons for immediate repayment 
of the bonds and loans were included, including default incidents, insolvency 
proceedings, liquidation or receivership proceedings, etc. In addition, a right 
has been established for immediate repayment in the event that a third-party 
lender  has  made  payments  of  Bezeq's  debts  immediately  repayable  in  an 
amount exceeding the determined amount. 

In addition, Bezeq undertook not to create additional liens on its assets unless 
the  consent  of  the  bondholders  will  be  obtained  in  advance,  in  a  special 
decision, which allows the Company to create the lien in favor of the third 
party, or if Bezeq simultaneously creates liens for the benefit of all lenders 
(negative liens). The lien includes exceptions, inter alia, in the matter of the 
lien on assets that will be acquired or expanded by Bezeq, if the obligations 
for which the lien was secured were created for the purpose of purchasing or 
expanding the said assets and in the matter of a token lien. 

In relation to Bezeq's public bonds, for loans from banking corporations the 
balance of which as of December 31, 2020 is approximately NIS 1.1 billion, 
and in relation to loans from financial institutions the balance of which as of 
December 31, 2020, is approximately NIS 1 billion, Bezeq undertook that in 
case  it  commits    to  any  party  in  an  undertaking  in  connection  with 
compliance with financial criteria, Bezeq will also commit towards the said 
lenders with the same undertaking (subject to certain exceptions). 

14.4.2. 

14.4.3. 

In  relation  to  Bezeq's  public  bonds,  as  well  as  in  respect  of  loans  from 
financial institutions in the amount of NIS 1 billion, a ground for immediate 
repayment was included in the event that the communications sector ceases 
to be the Group's main area of activity. 

14.4.4.  With  respect  to  Bezeq's  public  bonds,  and  with  respect  to  loans  from 
financial institutions in the amount of NIS 1 billion, Bezeq undertook to the 
lenders  to  ensure  that, as far  as  it is under  its  control,  such  bonds  will be 
monitored in terms of rating by at least one rating agency, as long as there 
are bonds from that series in circulation or loan balance, respectively. 

71 

 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

14.4.5. 

14.4.6. 

In  relation to  bonds from series  9-12,  as  well as in relation  to  loans  from 
financial institutions in the amount of NIS 1 billion, a reason for immediate 
repayment  was included in  the  event  of  a  change  in control  as  a  result of 
which Bezeq’s controlling shareholders (as defined in the said agreements) 
will cease to have control over it and transfer the control to a third party (“the 
Transferee "), except: (1) transfer of control to a Transferee who has received 
approval  to  control  Bezeq  in  accordance  with  the  provisions  of  the 
Communications Law and / or the Communications Order or (2) transfer of 
control  in  which  the  Transferee  has  control  of  Bezeq  together  with  the 
controlling  shareholders  and  provided  that  the  shareholding  of  the 
controlling  shareholders  in  the  Company  in  Bezeq  shares  is  not  less  than 
50.01% of the total Bezeq shares held by the controlling shareholders jointly 
holding  or  (3)  a  change  of  control  approved  by  the  meeting  of  the 
bondholders / lenders. 

In addition, in relation to Series 9-12 bonds, and in relation to loans from 
financial institutions in the amount of NIS 1 billion, grounds for immediate 
repayment of the bonds were included in the event of a "going concern" note 
in Bezeq's financial statements for a period of two consecutive quarters, in 
case of a material deterioration in Bezeq's business compared to its position 
at the time of the issue, and there is a real concern that Bezeq will not be able 
to  repay the bonds  / loans on  time  (as  stated in  Article  35H1(a)(1)  of the 
Securities Law). 

As of December 31, 2020 and at the time of the approval of the financial statements, 
Bezeq met all its obligations as aforesaid, there were no grounds for granting credit 
for immediate repayment and no financial criteria were set as detailed above. 

14.5. Reportable credit 

The  following  are  details  regarding  the  Group's  reportable  credit,  in  accordance  with  legal 
position  No.  104-15:  Reportable  credit  incident,  published  by  the  Securities  Authority  on 
October 30, 2011 and as amended on March 19, 2017 (in accordance with the Group's data, 
series of bonds and loans in excess of 800 million). The bonds were issued by the Group without 
a specific purpose. Repayment of the bond principal in equal periodic payments numbered as 
specified in the table, and payment of interest on the outstanding principal balance. 

The following is a reportable credit in the Group: 

Bezeq bonds 

Series 6 
bonds 

Series 9 
bonds 

Series 10 
bonds 

Series 11 
bonds 

Series 12 
bonds 

7/3/2011 

10/15/2015 

10/15/2015 

10/07/2019 

10/07/2019 

Company 
bonds 
Series C 
bonds 
19/09/2016 

12/1/2022  12/1/2025 
Shekel 
index-
linked with 
a fixed 
interest rate 

Shekel not 
linked with a 
fixed interest 
rate 

12/1/2025 

1.6.2030 

1.6.2030 

30.11.2024 

Shekel index-
linked at a 
fixed interest 
rate 

Shekel not 
linked with a 
fixed interest 
rate 

Shekel index-
linked with a 
fixed interest 
rate 

Shekel with 
a fixed 
interest rate 

Date of issuance of 
bonds 
Final repayment date 

Type of loan 

72 

 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Original loan amount or 
par value (NIS millions) 

Estimated principal 
balance (plus interest 
payable) as of December 
31, 2020 (NIS millions) 

Number of principal 
payments in the year 
Payment of principal 
starting from 
Number of interest 
payments for the year 
Interest rate as of 
December 31, 2020 
Fair value of the liability 
as of December 31, 2020 
(NIS millions) 

Effective interest 
grossing at fair value as 
of December 31, 2020 

Effective interest 
grossing at fair value as 
of December 31, 2019 

Special conditions 

Existence of early 
repayment right  

3,000 

2,145 

882 

835 

1,269 

1,878 

1,040  

2,151 

1 

2018 

2 

1 

2022 

2 

885 

1 

2022 

2 

837 

1,271 

1,884 

1 

2026 

2 

1 

1 

2026 

2024 

2 

2 

3.70% 

3.65% 

2.20% 

3.20% 

1.70% 

3.85% 

1,089  

2,342 

956 

910 

1,350 

1,723 

0.31% 

1.19% 

0.04% 

1.93% 

0.83% 

(0.2%) 

1.75% 

0.52% 

2.69% 

1.24% 

See Note 
14.4 

See Note 

14.4  See Note 14.4 See Note 14.4 See Note 14.4 

5.29% 

6.78% 

See Note 
15.3.2 

No 

No 

Yes 

Yes 

Yes 

Yes 

14.6 

 Activity in liabilities arising from financing activities 

Bonds 
(including 
accrued 
interest) 

Loans 
(including 
accrued 
interest) 

NIS millions 

NIS millions 

8,942 

4,738 

1,475 

(2,156) 

(324) 

(1,005) 

117 

8,054 

718 

(577) 

(278) 

(137) 

268 

800 

(2,131) 

(172) 

(1,503) 

166 

3,401 

- 

(1,273) 

(114) 

(1,387) 

103 

Total 
NIS 
millions 

13,680 

2,275 

(4,287) 

(496) 

(2,508) 

283 

11,455 

718 

(1,850) 

(392) 

(1,524) 

371 

Balance as of January 1, 2019 

Changes as a result of cash flows from financing activities 

Proceeds from the issuance of bonds and the receipt of loans, 
net of transaction costs 

Repayment of bonds and loans 

Interest paid 

Total net cash arising from financing activities 

Financing expenses imputed to statement of income 

Balance as of December 31, 2019 

Changes as a result of cash flows from financing activities 
Proceeds from the issuance of bonds and the receipt of loans, 
net of transaction costs 

Repayment of bonds and loans 

Interest paid 

Total net cash arising from financing activities 

Financing expenses imputed to the income statement 

73 

 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Balance as of December 31, 2020 

8,185 

2,117 

10,302 

74 

 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

15.  Trade and other payables 

Suppliers 

Standing debts and expenses payable * 
Banknotes repayable 

Total suppliers 

Current payables including derivatives 

Liabilities to employees and other liabilities due to payroll and wages 
Deferred income 
Current tax liabilities 
Institutes  
Derivative instruments  
Accrued interest 
Other 

Total current trade payables including derivatives 

December 31, 2020  December 31, 2019 

NIS millions 

NIS millions 

940 
 - 

940 

397 
168 
80 
66 
51 
31 
33 

826 

925 
2 

927 

356 
136 
5 
73 
55 
37 
38 

700 

Total current trade and other payables 

1,766 

1,627 

Non-current trade payables 

Frequency payment liabilities 

Deferred income in respect of government grants** 

Deferred income 

Derivative instruments 

Other 

Total non-current payables 

Total current and non-current trade and other payables  

86 

72 

75 

66 

8 

307 

2,073 

- 

- 

69 

66 

4 

139 

1,766 

* Of which the balance of suppliers who are related parties and stakeholders as of December 31, 2020 is NIS 2 

million (as of December 31, 2019 - NIS 2 million). 

**  See Notes 11.1 and 3.14 regarding frequency tender and government grant 

16. Provisions 

Customer 
Claims 
NIS millions 

Additional 
claims 
NIS millions 

Dismantling and 
disposal of 
mobile sites and 
liability 
NIS millions 

Total 
NIS millions 

Balance as of January 1, 2020 

Provisions formed  

Provisions exercised  

Provisions canceled 

Balance as of December 31, 2020 
Presented in the statement of 
financial position as follows: 

 Current provisions 

111 

6 

(4) 

(1) 

112 

112 

75 

9 

- 

(8) 

- 

1 

1 

54 

3 

- 

(1) 

56 

4 

174 

9 

(12) 

(2) 

169 

117 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

 Non-current provisions 

- 

112 

- 

1 

52 

56 

52 

169 

For details regarding legal claims, see Note 18.  

76 

 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

17.  Employee benefits 

Employee benefits include severance pay, post-employment benefits, other long-term 
benefits, and short-term benefits. 

17.1.  Composition of liabilities in respect of employee benefits 

2020 

2019 

Note 

NIS millions 

NIS millions 

17.4 

17.5.1 

17.5.2 

17.5.3 

17.3.3 

17.3.3 

17.5.2 

17.3.1 

17.3.2 

 Current liabilities in respect of: 

Vacation  

Sick leave 

Provision for an early retirement plan at Bezeq 
Provision for early retirement for employees 
transferred from government employment in Bezeq 
Provision for streamlining plan in Pelephone, Bezeq 
International and DBS 

Current maturity of benefits to pensioners 

Total current liabilities in respect of benefits to 
employees 

 Non-current liabilities in respect of: 

Liability for benefits to pensioners 
Provision for early retirement for employees 
transferred from government employment 
Severance pay, net (see composition below) 

Early notice and pension 

Provision for streamlining plan in Pelephone, Bezeq 
International and DBS 
Total non-current liabilities in respect of employee 
benefits 

Total liabilities in respect of employee benefits 

The following is the composition of the liability in 
respect of severance: 

Liability in respect of severance pay 

Fair value of plan assets 

122 

161 

87 

62 

43 

7 

482 

140 

108 

58 

29 

 - 

335 

817 

120 

152 

139 

170 

66 

7 

654 

137 

94 

65 

29 

31 

356 

1,010 th most 
common 

214 

(156) 

58 

230 

(165) 

65 

77 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

17.2. Defined deposit plans 

 17.2.1. 

The liability in respect of benefits for employees reaching retirement age in 
respect of their period of service in the Company and in the subsidiaries and 
in respect of the employees to whom Article 14 of the Severance Pay Law, 
5733-1963  ("Severance  Pay  Law")  applies,  are  fully  covered  by  current 
payments to pension funds and insurance companies. 

Deposits recognized as an expense in 
respect of a defined deposit plan 

221 

223 

232 

2020 

2019 

2018 

NIS millions  

NIS millions 

NIS millions 

17.2.2. 

In respect of some of the employees, the Group has a liability to complete 
severance pay in excess of the amount accumulated in the compensation fund 
of the employees (see Article 17.3.1 below). 

17.3.   Defined benefits plan 

Liabilities in respect of defined benefit plans in the Group include the following 
liabilities: 

17.3.1. 

17.3.2. 

17.3.3. 

Liability for severance pay in respect of the balance of the liability that is not 
covered by deposits and / or insurance policies in accordance with existing 
employment agreements and the Severance Pay Law. In respect of this part 
of the liability, there is a designated allocation that is deposited in the name 
of  the  Group  companies  in  pension  funds  and  insurance  companies. 
Allocations  in  pension  funds  and  insurance  companies  include  accrued 
linkage  differences  and  interest.  Withdrawal  of  allocation  funds  is 
conditional on compliance with the provisions set forth in the Severance Pay 
Law. 

Liability under the personal employment agreements of senior employees in 
the Group, to pay a benefit in respect of an advance notice upon termination 
of  the  employee-employer  relationship.  In  addition,  the  Company  has  a 
commitment  to  a  number  of  senior  employees,  who  are  entitled  to  early 
retirement conditions (pension and retirement grants) that are not dependent 
on the existing retirement agreements for all employees. 

Bezeq pensioners receive, in addition to pension payments, benefits that are 
mainly  holiday  gifts  (linked  to  the  dollar  exchange  rate),  financing  the 
maintenance of pensioners' clubs and social activities. Bezeq's liability for 
these costs accrues during the work period. Bezeq includes the liability for 
the expected costs in the period after the employment period in its financial 
statements. 

17.4. Provision for sick leave 

The statements include a provision for redemption and exercise of sick days. The 
right to accrue sick days was taken into account for all employees of the Group and 

78 

 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

the right to redemption of sick days only for eligible employees in accordance with 
the conditions set out in the employment agreements. The provision was calculated 
on  the  basis  of  an  actuarial  calculation  that  includes  assuming  a  positive 
accumulation of days for most employees and exercising days using the "last-in-
first-out" method (LIFO). 

17.5. Early retirement and dismissal benefits 

17.5.1. 

17.5.2. 

17.5.3. 

79 

According  to  the  collective  bargaining  agreement  between  Bezeq  and  the 
employees organization and the New Histadrut from December 2006 and in 
accordance with amendment Number 5 to the agreement dated August 2015, 
Bezeq was entitled, at its discretion, to terminate the employment of up to 
163  permanent  and  veteran  employees  in  each  of  the  years  2021  -  2015 
(Bezeq's right accumulated over the years).  

On  December  16,  2020,  Amendment  No.  6  to  the  agreement  was  signed, 
extending the retirement arrangement in the agreement until December 31, 
2020.  Subject  to  amendment,  Bezeq  will  be  entitled  to,  at  its  discretion, 
terminate the work of up to 50 permanent employees each year (in addition 
to the retirement quota of about 300 permanent employees remaining from 
the  previous  agreement,  the  employment  of  which  Bezeq  will  be  able  to 
terminate at the end of the agreement period).  

Bezeq recognizes an expense in respect of early retirement since Bezeq has 
clearly  undertaken,  without  any  real  possibility  of  cancellation,  to  lay  off 
employees before they reach the usual retirement date, according to a defined 
plan.  The  collective  bargaining  agreement  entitles  Bezeq  to  dismiss 
employees, but does not create a significant commitment for Bezeq without 
a real possibility of cancellation. Therefore, the expenses for early retirement 
are recognized in Bezeq's books at the time the plan is approved. 

On December 10, 2020 Bezeq's Board of Directors approved, as part of the 
implementation of a streamlining plan in Bezeq, the retirement of about 50 
permanent employees Veterans in an early retirement route with a total cost 
of approximately NIS 68 million. In light of the aforesaid, Bezeq recorded 
in its financial statements for the fourth quarter of 2020 an expense in the 
amount of approximately NIS 65 million. 

On December 16, 2018, an early retirement plan was approved, by the end 
of 2021, for all Bezeq employees who were transferred to the Company from 
the  Ministry  of  Communications  (94  employees).  The  balance  of  the 
provision in respect of the commitment for the retirement of employees as 
aforesaid as of December 31, 2020 is approximately NIS 170 million. 

Pelephone, Bezeq International and DBS are bound by collective bargaining 
agreements between them and the Histadrut and the employees committees. 
The agreements from 2019 determined, inter alia, streamlining and synergy 
procedures  that include the  right  of the  above  companies  to  terminate  the 
employment  of  employees,  in  accordance  with  the  rules  set  forth  in  the 
agreements. The balance of the provision for streamlining in respect of these 
agreements as of December 31, 2020 is approximately NIS 43 million. 

 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

17.6.  Actuarial assumptions 

The main actuarial assumptions regarding defined benefit plans as of the reporting 
date are: 

17.6.1. 

17.6.2. 

The mortality rates are based on the rates published in the Capital Market 
Authority's 2017-3-6 pension circular. Future reductions in mortality rates 
are based on the rates published in the 2019-1-10 circular. 

The rates of departure were determined on the basis of past experience of 
Bezeq and its subsidiaries, with a distinction between the various employee 
populations and in accordance with the years of seniority. Departure rates 
include a distinction between departures that entitle to full severance pay and 
departures that do not confer full severance pay. 

17.6.3. 

The (nominal) discount rate is based on the yield of high-quality index-linked 
corporate  bonds  that  have  a  duration  similar  to  the  duration  of  the  gross 
liability.  

The following are the main discount rates: 

Severance Pay 

Benefits for retirees 

December 31, 2020 

December 31, 2019 

Average discount rate 

Average discount rate 

2.7% 

2.8% 

2.40% 

2.9% 

17.6.4.  Assumptions  regarding  salary  updates  for  the  purpose  of  calculating 
liabilities  were  made  on  the  basis  of  Management’s  assessments, 
distinguishing between groups of employees. The main assumptions (in 
nominal terms) regarding salary updates for major employee groups are: 

Permanent and veteran employees of the Company 

New permanent employees in the Company 

Bezeq employees who are not permanent 

Pelephone employees, Bezeq International and DBS 

Assuming an annual wage increase 
The calculation was based on individual assumptions regarding 
expected wage increases for years 2021 until 2026, resulting from 
the collective bargaining agreement signed in August 2015 and in 
December 2020. 
An average update of 3.2% for young employees gradually drops to 
1.4% at age 66. 
6.4% for young employees gradually decreases to 0.1%, 2% (in real 
terms) for senior employees. 
The rates of wage increases were determined on the basis of the 
collective agreements signed. The average annual wage growth rate 
that is 2%. 

17.6.5.  Details of the weighted duration of liabilities in respect of post-employment 

main benefits: 

Severance Pay 

80 

December 31, 2020  December 31, 2019 

Years 

11.9 

Years 

10.8 

 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Benefits for retirees 

16.4 

16.6 

17.7. Sensitivity analysis of major actuarial assumptions 

The  following  is  an  analysis  of  the  possible  impact  of  the  changes  in  key  actuarial 
assumptions on employee benefit liabilities. The calculation is made in relation to each 
assumption separately, assuming that the rest of the assumptions remain unchanged. 

Discount rate - increase of 0.5% 

Future wage increases rate - increase of 0.5% 

Employee departure rate - an increase of 5% 

Mortality rate assumption - 5% Increase 

December 31, 
2020 

December 31, 
2019 

NIS millions 

NIS millions 

(35) 

34 

(20) 

(3) 

(42) 

35 

(25) 

(4) 

18. 

Contingent liabilities 

18.1  Claims against the Company 

18.1.1 On March 30, 2020, the Company reached a settlement regarding the derivative claim 
that  was  filed  in  July  2016  in  the  Tel  Aviv-Yafo  District  Court  (hereinafter  "the 
Horev Claim"). As part of the settlement agreement, the Company received during 
the third quarter of 2020, a total amount of NIS 22 million (principal plus accrued 
interest) of the Company's Series C bonds held by Internet Gold - Gold Lines Ltd. 
(hereinafter "Internet Gold"), in exchange for waiving the derivative claim against 
Internet Gold. In addition, the derivative plaintiff received an amount of NIS 4.23 
million in respect of attorneys' expenses and monetary compensation (which were 
paid out of the NIS 22 million that Internet Gold is required to pay). The net amount 
received by the Company is charged directly to the Company's shareholders' equity 
under the loss balance item. 

18.1.2 In addition, on June 2, 2020, the Company and former directors of the Company signed 
a settlement agreement as part of the Horev Claim, according to which the directors 
will  pay  NIS  2.5  million  (hereinafter  "the  Directors’  Settlement  Amount")  to  the 
Company in order to settle all derivative claims in this matter. During July 2020, the 
District Court approved the settlement agreement, and the directors' insurance paid 
the Company the full Directors’ Settlement Amount. As part of the settlement, the 
Company paid the derivative plaintiff and his attorney a total of NIS 720,000. The 
net  amount  received  by  the  Company  is  charged  directly  to  the  Company's 
shareholders' equity under the loss balance item. 

18.1.3 On March 4, 2020, the Company signed a settlement agreement that settles the class 
action lawsuit filed against the Company with the New York Southern District Court 
in the United States that was filed against the Company in 2017. On August 10, 2020, 
the final  approval  was  obtained  from  the court for  settlement in respect  of  which 
settlement  payments  were  made.  The  Company  paid  a  sum  of  USD  1.2  million, 
which  was  fully  covered  by  the  insurance  of  the  directors  and  officers  of  the 
Company, which absolved the Company from all claims related to the class action 
by both the plaintiffs and the members of the arrangement, without any admission of 
guilt. 

81 

 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

18.1.4 Regarding two motions for approval of a class action lawsuit filed in June 2017 against 

the Company and against Bezeq, see Note 18.2(3) below. 

18.1.5 In November 2020, a claim was filed with a motion for approval as a class action by 
a private person who he claims is a shareholder of Bezeq ("the Applicant") against 
the  Company,  Bezeq,  and  members  of  Bezeq's  Board  of  Directors  ("the 
Respondents").  The  matter  of  the  motion  is  the  approval  of  a  class  action  for 
compensation  of  the  Applicant  and  the  members  of  the  represented  group  for 
damages caused to them, according to the motion, "due to Bezeq's failure to report 
and  disclose  on  the  Tel  Aviv  Stock  Exchange  (hereinafter:  "TASE")  and 
concealment of material information from investors. In connection with a report to 
the  public  "on  moves  by  the  Ministry  of  Communications  to  eradicate  the 
phenomenon of dual subscribers in the field of ISP Internet services, on the extensive 
and  substantial  scope  of  the  phenomenon  of  dual  subscribers  in  the  Bezeq 
International  subsidiary  (hereinafter:  “Bezeq  International")  and  their  material 
negative impact on the business of the subsidiary and Bezeq". According to the claim 
in the motion, the damage caused to the group members as a result of the events that 
are the subject of the lawsuit amounts to approximately NIS 55 million to NIS 65 
million, based on an expert opinion attached to the motion. 

18.1.6  In November 2020, a claim was filed with a motion for approval as a class action by 
a  private  individual  ("the  Applicant")  who  claims  to  be  a  shareholder  of  the 
Company,  who  claims  to  hold  shares  in  the  Company  and  Bezeq,  against  the 
Company, Bezeq and 72 other respondents, including past and present officers in 
both companies (“the Respondents"). The matter of the motion is the approval of a 
class action for compensation of the Applicant and the members of the represented 
group for damages caused to them, as alleged in the motion, as a result of acts and 
omissions of the Respondents when they refrained from disclosing to the investing 
public allegedly material information that they had to disclose in accordance with 
the  provisions  of  the  law,  in  connection  with  the  two  companies'  report  dated 
November  9,  2020  that  Bezeq  International  books  have  unexplained  net  asset 
balances (receivables net of payables) of tens of millions of NIS, a considerable part 
thereof originates, allegedly, in past periods of more than 15 years. The amount of 
the class action specified in the statement of claim is "over NIS 2.5 million (for the 
purposes of substantive authority)" when in accordance with the economic opinion 
attached to the motion "the estimate for the decline in the price of the security" for 
the  information  included  in  the  immediate  report  of  November  9,  2020  stands  at 
5.26%-5.40% I relation to Bezeq and 9.07% - 9.36% in relation to the Company. 

18.2  Claims against Bezeq Group 

During the day-to-day business, claims have been filed against Bezeq Group companies 
or  various  legal  proceedings  are  pending  against  it  (hereinafter  in  this  section:  "Legal 
Claims"). 

In the opinion of the managements of Bezeq Group companies, which is based, among 
other things, on legal opinions regarding the probability of Legal Claims, the financial 
statements included adequate provisions (as detailed in Note 16), where provisions were 
required to cover the exposure as a result of such Legal Claims. 

82 

 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

In  the opinion  of  the managements  of  the  Bezeq  Group  companies, the amount  of the 
additional exposure (in addition to the aforesaid provisions), as of December 31, 2020, 
due to Legal Claims filed against Bezeq Group companies in various matters and whose 
probability of realization is not expected, amounted to a total of approximately NIS 3.8 
billion. In addition, there is an additional exposure in the amount of about NIS 3.7 billion 
in respect of claims whose chances cannot be assessed at this stage. 

In addition, requests were filed against the companies of the Bezeq Group to recognize 
the claims as class actions that did not specify the exact amount of the claim, for which 
the Group has additional exposure beyond the aforementioned. 

The additional exposure amounts in this Note are nominal. 

The  following  is  a  description  of  the  contingent  liabilities  of  Bezeq  Group  valid  as  of 
December 31, 2020 classified according to groups with similar characteristics: 

The 
amount 
of 
exposure 
in 
respect 
of claims 
whose 
chances 
cannot 
yet 
be 
assessed 

The 
balance 
of 
the 
provision  

The 
amount of 
additional 
exposure 

Claims group  

The nature of the claims 

NIS millions 

Customer claims  

Mainly motions for approval of class actions 
(and claims by virtue thereof) that concern 
allegations of illegal collection of funds and 
harm to the provision of services provided by 
Bezeq Group companies. 

 112 

3,126 

1,792(1) 

Claims of 
enterprises and 
companies 

Claims in which the liability of Bezeq Group 
companies' liability is claimed in connection 
with their operation and / or their investments. 

 - 

 687 (2) 

 1.873(3) 

Claims of 
employees and 
former employees 
of Bezeq Group 
companies  

State and authority 
claims 

Mainly individual claims filed by employees 
and former employees of Bezeq Group which 
concern various payments.  

Various legal proceedings by the State of 
Israel, various governmental bodies and state 
authorities (hereinafter: "the Authorities"). 
These are mainly procedures in the field of 
regulation applied to Bezeq Group companies 
and various financial disputes regarding funds 
paid by Bezeq Group companies to the 
authorities (including property tax payments). 
See also Note 6.  

Miscellaneous 

Other legal claims, including tort claims 
(except for claims in which there is no dispute 
as to the existence of insurance coverage), real 

83 

 - 

 - 

 - 

 1 

- 

 5 

12 

 - 

14 

 
Notes to Consolidated Financial Statements as of December 31, 2020 

estate, infrastructure, etc. 

Total claims against Bezeq and its subsidiaries 

 113 

3,830 

3,679 

(1)  Including  exposure  in  the  amount  of  NIS  0.9  billion  in  respect  of  a  motion  for 
approval of a class action lawsuit filed against Bezeq In May 2020 concerning online 
advertising  packages  through  the  B144  website  (the  amount  of  the  exposure  was 
indicated  in  handwriting  and  no  explanation  or  calculation  in  relation  to  it  was 
included). 

(2)  Disclosure in respect of a class action of a shareholder against Bezeq and Bezeq’s 
officers in which reported failures of Bezeq regarding the wholesale market reform 
were alleged. 

(3)  Two motions for approval of a class action lawsuit totaling approximately NIS 1.8 
billion filed in June 2017 against Bezeq, Group officers as well as companies from 
Bezeq’s controlling group at the time regarding the transaction for the purchase of 
DBS shares from Eurocom by Bezeq. In accordance with a court decision, the filing 
of a consolidated motion is expected to replace these two motions. The procedure is 
delayed in light of the investigation and at the request of the Attorney General until 
September 6, 2021 (as described in Note 1.3). 

18.3.  After the date of the financial statements, two motions for approval of a class action 
were  submitted  against  Bezeq  Group  companies,  without  specifying  an  exact 
amount. As of the date of approval of the financial statements, the chances of the 
motion  have  not  yet  been  assessed.  Also,  claims  for  which  the  exposure  was 
approximately NIS 372 million were terminated. 

19.  Engagements 

19.1.  DBS is bound by agreements to purchase space segments (As detailed in Note 19.2 
below), Content and Copyright, until the end of 2026. Amounts of future contracts 
in respect of these contracts per day31/12/2020 Are as follows: 

For the year ended December 
31 
2021 
2022 
2023 
2024 
2025 onwards 

Space segments  

NIS millions 
73 
60 
58 
58 
67 
316 

Content and 
Copyright 

NIS millions 
379 
262 
80 
8 
- 
729 

Total 

NIS millions 
452 
322 
138 
66 
67 
1,045 

19.2. According to an agreement with Space Communications Ltd. ("Space") from 2013, 
as  amended,  DBS  leases  space  segments  in  satellites  from  the  "Amos"  series 
("Space Agreement"). In accordance with the provisions of the Space Agreement, 

84 

 
 
 
 
  
 
Notes to Consolidated Financial Statements as of December 31, 2020 

DBS  leases  a  number  of  space  segments  on  the  "Amos  3"  satellites  (whose 
estimated end of life is at the beginning of 2026), as well as the "Amos 7" satellite, 
in which Space has the right to lease space segments under an agreement between 
it and the rights holder on this satellite, which was leased to DBS until February 
2022 (after exercising an extension option). 

Under the Space Agreement, Space undertook to make reasonable efforts to place 
a new satellite, "Amos 8", by February 2021, in which case DBS will lease space 
segments from that date on "Amos 3" and "Amos 8" and starting from the end of 
the life of "Amos 3" - in "Amos 8" only. Insofar as "Amos 8" is not installed until 
February 2022, DBS would lease space segments in "Amos 3" until the end of its 
life, and it would have the right, if it so chooses, to lease space segments in "Amos 
8" as well, insofar as it is placed at a later date. According to DBS, noting, among 
other things, that Space did not announce an agreement for an engagement to build 
"Amos 8" and according to the information provided by Space (according to Space 
reports, the agreement to build "Amos 8" was revoked by Space in 2018), placing 
"Amos  8”  is  not  expected  to  materialize  until  February  2022,  if  at  all.  Thus, 
although the period of the original Space Agreement is until 2028, in accordance 
with the provisions of the Space Agreement, there will be an early termination of 
the Space agreement at the end of the life of "Amos 3" satellite, which to the best 
of  DBS's  knowledge  is  expected  to  be  in  early  2026,  without  payment  of 
compensation  and  under  the  conditions  set  out  in  the  agreement  (subject  to 
additional early termination options). 

The  leased  space  segments  -  according  to  the  space  agreement,  during  the 
engagement period (and subject to unavailability events) DBS will lease 12 space 
segments from space, in accordance with the division between the relevant satellites 
stipulated in the agreement according to the various periods when the "Amos 7" 
satellite lease expires. Ace to lease ten space segments in "Amos 3". The agreement 
also  regulates  the  provision  of  backup  segments  for  the  leased  space  segments 
during the term of the agreement, under the terms and restrictions set forth therein. 

Early termination of the agreement - the Space Agreement stipulates a right to early 
termination without cause, subject to 12 months' prior notice and payment of the 
consideration in accordance with the mechanism set forth therein. 

19.3.  Cellular infrastructure equipment in the UMTS / HSPA and LTE networks and 5G 
are  manufactured  by  LM  Ericsson  Israel  Ltd.  ("Ericsson"),  which  serves  as 
Pelephone's supplier for the deployment of 4G (LTE) and 5G radio networks. In 
addition, Erickson is a significant supplier of Pelephone in the field. The Pelephone 
has multi-year agreements for maintenance, support and software upgrades for the 
UMTS / HSPA network, as well as an agreement for the purchase of 4G (LTE) and 
5G equipment with Ericsson, and in its opinion it may depend on it for network 
support and expansion. As of December 31, 2020 Pelephone has engagements with 
Ericsson  for  the  purchase  of  end  equipment  and  the  receipt  of  services  as 
aforementioned in the total amount of approximately NIS 10 million. 

85 

 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

19.4.  The  Bezeq  Group  companies,  as  of  December  31,  2020,  have  contracts  for  the 
purchase of end equipment, property, plant and equipment, intangible assets and 
additional  assets  in  the  amount  of  approximately  NIS  383  million  as  well  as 
additional  contracts  for  various  services  in  the  future  in  the  amount  of 
approximately NIS 101 million. 

19.5.  For information on engagements with related parties, see Note 29. 

20.  Collateral, liens and guarantees 

Bezeq Group’s policy is to provide tender, execution and legal guarantees as provided 
by  law.  Also,  Bezeq  provides  bank  guarantees  for  bank  liabilities  of  subsidiaries  as 
needed. 

20.1. The  Bezeq  Group  companies  provided  guarantees  to  the  Ministry  of 
Communications in connection with securing the terms of their licenses in the 
total  amount  of  approximately  NIS  129  million  (of  which  approximately  52 
million are linked to the consumer price index). 

20.2. The Bezeq Group companies provided bank guarantees to third parties in the total 
amount of approximately NIS 195 million (including guarantees in the amount of 
approximately  NIS  118  million  regarding  the  Sakia  property.  For  details,  see 
Note 6.6). 

20.3. Restrictions on the creation of liens on the assets of Bezeq Group companies: 

20.3.1.  According to the Bezeq license, the license and any part of it cannot be 
transferred,  encumbered  or  foreclosed.  Transfer,  encumbrance  or 
foreclosure of an asset from the license assets that were not expressly 
permitted in the license requires the approval of the Minister who may, 
in special cases, allow the transfer of a license in the event of structural 
changes,  if  he  is  convinced  that  the  transferee  licensee  meets  all 
conditions as in the transferor. In addition, to the extent that rights to the 
assets from the assets used to provide Bezeq services are granted to a 
third  party,  Bezeq  must  ensure  that  no  situation  arises  in  which  the 
exercise of the rights in the said asset may impair Bezeq's obligations 
under the license. 

20.3.2.  According to Pelephone's cellular license, it is not authorized to sell, rent 
or lease property from the properties used for the execution of the license 
without the consent of the Minister of Communications, ("the License 
Assets"), unless the consent of the Minister of Communications has been 
given, after he has assumed that the exercise of the rights by the third 
party  will  not  cause  harm  to  the  provision  of  the  services  under  the 
license, except: 

A. Pledge of a license property for the benefit of a banking corporation 
operating legally in Israel, for the purpose of obtaining bank credit,  
provided that it has notified the Ministry of Communications of the 
lien  it  intends  to  register,  according  to  which  the  lien  agreement 

86 

 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

includes  a  clause  guaranteeing  that  in  any  case  the  exercise  of  the 
rights  by  the  banking  corporation  will  not  cause  any  harm  to  the 
provision of the services under the license. 

B.  Sale  of  equipment  items  when  performing  an  upgrade  procedure, 

including sale of equipment using the trade-in method. 

C. Sale, rental, mortgage or transfer of the license assets to the holder of 
a mobile radio telephone infrastructure license of which Pelephone is 
a customer. 

20.3.3.  Pursuant  to  Bezeq  International's  license,  it  may  not  sell,  rent  or 
mortgage any of the assets necessary to secure the licensee's services, 
unless the Minister of Communications' consent has been given after he 
has assumed that the exercise  of  the rights  by  the third  party  will  not 
impair the license. Notwithstanding the foregoing, Bezeq International 
may  pledge  an  asset  from  the  license  assets  in  favor  of  a  banking 
corporation operating legally in Israel, for the purpose of obtaining bank 
credit, provided that it gives prior notice of the lien it intends to make, 
and the lien agreement includes a clause which ensures that the exercise 
of the rights by the banking corporation will not result in a violation of 
the provision of services under the license. 

20.3.4.  With respect to the DBS broadcasting license, the Communications Law 
and  the  license  provisions  set  limits  with  respect  to  the  transfer, 
foreclosure and lien of the license and of assets from the license assets. 
The broadcasting license requires the approval of the Minister in relation 
to certain changes in the maintenance of means of control in the DBS 
and imposes reporting obligations regarding the holders of the means of 
control;  There  are  also  certain  restrictions  regarding  the  license  to 
perform  uplink  operations  (transferring  broadcasts  from  DBS’s 
broadcasting center to the broadcast satellite and performing ancillary 
set-up and operation operations). 

20.4. Regarding the conditions that the Company undertook in connection with loans 

and credit, see Note 15.  

21. Capital 

21.1 

Share capital 

Ordinary shares of NIS 0.1 par value each 

Number of ordinary shares 

2020 

2019 

Issued and repaid capital as of January 1st 

116,316,563 

Shares issued during the year 

- 

29,889,045 

86,427,518 

87 

 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Issued and repaid capital as of December 31  116,316,563 

116,316,563 

Registered capital To the 31st of December 

150,000,000 

150,000,000 

* 19,230 of the Company's shares are held as treasury shares. 
** See Note 32.1 regarding the approval of the general meeting of Bezeq shareholders, 
after the date of the financial statements, of the increase of Bezeq's registered capital 
and regarding the Bezeq Capital Remuneration Plan. 

21.1.1.  On January 20, 2019, the Company held a private offering of 7,385,600 ordinary 
shares at a cost of NIS 0.1 par value to a number of institutional entities and 
"qualified" private investors. The gross issue amounted to NIS 118 million, at a 
price of NIS 16 per share. . 

21.1.2.  On  December  2,  2019,  as  part  of  the  Searchlight-Forer  transaction,  the 
Company  issued  79,041,918  ordinary  shares  at  NIS  0.1  par  value  for 
Searchlight, the Forer family, Internet Gold and the public in the total amount 
of NIS 330 million, at a price of NIS 4.175 per share. 

21.1.3.  On February 13, 2020, a special meeting of the Company's shareholders was 
held at which the terms of employment of the Company's new CEO, Mr. Tomer 
Raved, were approved. As part of the terms of his employment, Mr. Raved was 
granted options to purchase up to 2,677,362 ordinary shares of the Company, 
which constitute 2.25% of the issued and paid-up capital of the Company as of 
the  date  of  commencement  of  his  employment.  The  expense  recorded  in  the 
Company's  books  in  respect  of  the  options  granted  to  the  CEO  in  2020 
amounted to approximately NIS 280,000. 

21.1.4.  On August 26, 2020, the Company announced its intention to delist its shares 
from  trading  on  the  Nasdaq  Stock  Exchange  and  terminate  its  reporting 
obligation  to  the  US  Securities  and  Exchange  Commission  (SEC).  The 
documents required for the delisting were submitted on September 9, 2020 and 
the Company's share ceased to be traded on the Nasdaq on the same day. The 
termination of the Company's reporting liability on the Nasdaq Stock Exchange 
began on September 21, 2020, following the submission of a required document 
to the US Securities and Exchange Commission In the same day. 

21.2 

Dividends 

21.2.1  Bezeq's dividend distribution policy 

Until March 6, 2018, Bezeq had a dividend distribution policy, according to which 
Bezeq will distribute to its shareholders, every six months, a dividend at a rate of 
100% of the semiannual profit (after tax) (profit for a period attributed to Bezeq's 
owners) according to Bezeq’s consolidated financial statements. On March 6, 2018, 
Bezeq's Board of Directors decided to update the dividend distribution policy, in a 
manner that Bezeq will distribute to its shareholders, every six months, a dividend 

88 

 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

of  70%  of  the  semiannual  profit  (after  tax)  according  to  Bezeq's  consolidated 
financial  statements,  starting  from  the  distribution  following  the  date  of  the 
decision. 

On March 27, 2019, Bezeq's Board of Directors decided to cancel Bezeq's dividend 
distribution  policy.  The  decision  was  made  out  of  a  position  of  clarity  and 
transparency vis-à-vis the shareholders and in the circumstances created against the 
background of the impossibility of distributing a dividend due to expectations of 
not meeting the profit test in the two years following the decision. Accordingly, the 
Board  of  Directors  has  decided  that  it  would  not  be  appropriate  to  maintain  a 
dividend policy when in practice it is ineffective. 

The  repeal  of  said  policy  shall  not  prevent  Bezeq's  Board  of  Directors  from 
examining from time to time dividends to Bezeq shareholders, taking into account, 
inter alia, the provisions of the law, Bezeq's business position and capital structure, 
while  maintaining  a  balance  between  Bezeq's  financial  strength  and  stability, 
including  the  level  of  debt  and  its  credit  rating,  and  the  continued  value 
maximization to Bezeq's shareholders through a current dividend distribution, all 
subject to the approval of the general meeting of Bezeq's shareholders regarding 
each specific distribution as provided in Bezeq's Articles of Association. 

21.2.2 

The following is a breakdown of distributions that Bezeq made during the years 
2018-2020:  

Amount per 
share 
distributed (in 
NIS) 
0.133 
0.115 

Date of distribution 
October 5, 2018 
October 10, 2018 

2020 

2019 

2018 

NIS millions 
- 
- 

NIS millions 
- 
- 

- 

- 

NIS millions 
368 
318 

686 

89 

 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

22  Revenue 

For the year ended December 31 
2020 
NIS millions 

2019 
NIS millions 

2018 
NIS millions 

1,537 

981 
785 
288 
222 
3,813 

1,550 
577 
2,127 

1,286 

1,217 

280 

8,723 

1,497 
1,017 th most 
common 
745 
273 
225 
3,757 

1,674 
642 
2,316 

1,344 

1,283 

229 

8,929 

1,525 

1,130 
769 
260 
199 
3,883 

1,713 
688 
2,401 

1,473 

1,338 

226 

9,321 

Interior landline communication - Bezeq Fixed Lines 
Internet - Infrastructure 

Landline telephony 
Transmission and data communication  
Cloud and digital services 
Other services 

Cellular communication - Pelephone 
Cellular services and end equipment 
Sale of end equipment 

Multi-channel TV - DBS 

Services 

Internet 
international 
communications  and  network  endpoint  –  Bezeq 
International 

(ISP), 

Other 

23  Operating and general expenses 

For the year ended December 31 
2020 
NIS millions 

2019 
NIS millions 

2018 
NIS millions 

Connectivity and payments to communications 
operators in Israel and abroad 

End equipment and materials 

Content costs 

Marketing and general 

Maintenance of buildings and sites 

Services and maintenance by subcontractors 

Vehicle maintenance * 

776 

747 

589 

471 

246 

303 

50 

757 

806 

644 

502 

271 

270 

71 

789 

771 

653 

570 

286 

277 

82 

3,182 

3,321 

3,428 

* Operating and general expenses are presented net of expenses incurred in 2020 in respect of investments in 
property, plant and equipment and intangible assets in the amount of NIS 38 million (in 2019 approximately NIS 43 
million and in 2018 approximately NIS 46 million). 

90 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

24  Salaries 

Total payroll and related expenses 

Deducting payroll attributed to investments in property, 
plant and equipment and intangible assets 

For the year ended December 31 
2020 

2019 

2018 

NIS millions 

NIS millions 

NIS millions 

2,442 

(548) 

1,894 

2,476 

539 

1,937 

2,574 

579 

1,995 

25  Other operating expenses (revenue), net 

 For the year ended December 31 

2020 

2019 

2018 

NIS millions 

NIS millions 

NIS millions 

Capital gain (mainly from exercise of real estate) 

Receipts from a compromise agreement 
Expenditure due to the termination of an employee-employer 
relationship in early retirement in Bezeq (see Note 17.5.1) 
Provision for a collective bargaining agreement signing grant 
(see Note 17.5.1) 
Expenses in respect of the termination of an employer-
employee relationship in early retirement and a streamlining 
agreement in Pelephone, Bezeq International and DBS (see 
Note 17.5.3) 

Provision for claims 

Other expenses (revenue) 

Profit from the sale of an investee (see Note 13.4) 

Other operating expenses (revenue), net 

(18) 

(9) 

64 

40 

9 

11 

(2) 

(22) 

73 

(475) 

- 

109 

- 

167 

10 

1 

- 

(188) 

1 

- 

547 

- 

12 

91 

(1) 

(15) 

635 

91 

 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

26  Financing expenses (revenue), net 

Interest expenses in respect of financial liabilities 

Financing expenses in respect of benefits to employees 
Costs due to early repayment of loans and bonds (see Note 
14) 

Linkage differences and exchange rate 

Financing expenses for liabilities in respect of leases 

Other financing expenses 
Change in the fair value of financial assets measured at fair 
value through statement of income 
Change in liability for contingent consideration in respect of 
a business merger  

Total financing expenses 

Income from credit grossing in sales 

Income from deposits and investments 

Income from exchange of bonds (see Note 14) 

Other financing income 
Change in the fair value of financial assets measured at fair 
value through statement of income 

Total financing revenue 

Financing expenses, net 

27  Profit per share 

For the year ended December 31 

2020 

2019 

2018 

NIS millions 

NIS millions 

NIS millions 

351 

8 

96 

23 

30 

6 

11 

- 

525 

30 

- 

- 

21 

- 

51 

474 

458 

89 

93 

46 

29 

14 

9 

- 

738 

29 

- 

191 

46 

- 

266 

472 

472 

9 

- 

64 

26 

6 

- 

43 

620 

30 

1 

- 

31 

27 

89 

531 

The calculation of the basic and diluted profit per share was based on profit (loss) 
attributed to ordinary shareholders and according to the weighted average number of 
ordinary shares presented in the calculation as follows: 

Net profit (loss) attributed to Company 
shareholders (NIS millions) 

Number of shares attributed to shareholders 

2020 

157 

2019 

(853) 

Balance as of January 1 

Impact of shares issued during the year 
Weighted average of common shares (basic and 
diluted) as of December 31 

116,316,563 

- 

29,889 

13,297 

116,316,563 

43,186 

2018 

(1,066) 

29,889 

- 

29,889 

Basic and diluted profit (loss) per share (NIS) 

1.38 

(19.7) 

(36.5) 

92 

 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

28  Segment reporting 

The Group operates in four different segments in the communications industry in 
such  a  way  that  each  company  in  the  Group  operates  in  one  separate  business 
segment.  

Each company provides services in the segment in which it operates through the 
property, plant and equipment and infrastructure it owns (see also Note 22). The 
infrastructure  of  each  company  is  used  to  provide  its  services.  Some  Group 
companies use infrastructure owned by other companies in the Group. 
The main reporting format, according to business segments, is based on the Group's 
administrative and internal reporting structure. 
The business segments of the Bezeq Group are as follows: 

1.  "Bezeq"  The  Israeli  Telecommunications  Corporation  Ltd.  –  Interior 

landline communications; 

2.  Pelephone Communications Ltd. - Cellular communications; 
3.  Bezeq International Ltd. - Internet services, international communications 

and network endpoint  

4.  DBS Satellite Services (1998) Ltd. - Multi-channel TV. 

The other companies in the Group are listed in the "others" item. Other activities 
include customer service centers (Bezeq Online) and Internet content services (via 
Walla). These activities are not reported as reportable segments as they do not meet 
the quantitative thresholds in the reporting years. 

Inter-sectoral pricing is determined according to the price set in transactions in the 
regular course of business. 

Segment results, assets and liabilities include items that can be allocated directly to 
the segment as well as those that can be reasonably allocated. The results of the 
cellular  communications  segment  and  the  multi-channel  television  segment  are 
presented net of losses from impairment of assets described in Note 11.5. This is in 
accordance  with  the  way  in  which  the  Group's  chief  operating  decision  maker 
evaluates  the  performance  of  the  segments  and  makes  decisions  regarding  the 
allocation of resources to such segments. 
The capital expenditure of a segment is the total cost incurred during the period in 
respect of the acquisition of property, plant and equipment and intangible assets. 

93 

 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

28.1  Activity segments 

For the year ended December 31, 2020 

Internet 
services 
and 
internation
al 
communic
ations 

NIS millions 
1,217 
54 
1,271 

Interior 
landline 
communic
ation 

NIS millions 
3,813 
346 
4,159 

Cellular 
communic
ation * 

NIS millions 
2,127 
59 
2,186 

Multi-
channel 
TV * 

NIS millions 
1,286 
1 
1,287 

Others 

NIS millions 
280 
6 
286 

External revenues 
Inter-segmental revenue 
Total revenue 

Depreciation and amortization 

877 

599 

149 

310 

Segment results - operating 
profit (loss) 
Financial expenses 
Financing revenue 
Total financing expenses 
(revenue), net 

Segment profit (loss) after 
financing expenses, net 
Share in profits (losses) of 
affiliated companies 
Segment profit (loss) before 
taxes on income 
Income taxes 
Segment results - net profit 
(loss) 

Segment assets 
Investment in affiliated 
companies 
Goodwill 
Segment liabilities 
Investments in fixed and 
intangible assets 

1,705 
419 
(16) 

403 

(84) 
18 
(66) 

(48) 

(241) 
5 
(3) 

2 

(42) 
15 
(2) 

13 

1,302 

(36) 

(243) 

(55) 

- 

1,302 
262 

1,040 

- 

(36) 
(11) 

(25) 

8,471 

4,371 

- 
- 
11,764 

- 
- 
1,742 

975 

437 

- 

(243) 
32 

(275) 

781 

4 
- 
580 

123 

- 

(55) 
2 

(57) 

1,365 

- 
- 
505 

165 

14 

44 
1 
- 

1 

43 

- 

43 
4 

39 

96 

- 
- 
42 

12 

Adjustmen
ts 

NIS millions 
- 
(466) 
(466) 

Consolidat
ed 

NIS millions 
8,723 
- 
8,723 

(91) 

1,858 

326 
67 
36 

103 

223 

- 

222 
45 

178 

1,708 
525 
(51) 

474 

1,234 

- 

1,233 
334 

900 

(694) 

14,390 

- 
1,559 
893 

- 

4 
1,559 
15,526 

1,712 

*  The results of the multi-channel TV segment are presented net of the overall impact of impairment recognized 
starting  from  2018.  This  is  in  accordance  with  the  way  in  which  the  Group's  chief  operating  decision  maker 
evaluates the segment's performance and makes decisions regarding the allocation of resources to the segment. See 
also Note 31.3 regarding a summary of selected data from the financial statements of DBS. 

94 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

For the year ended December 31, 2019 

Internet 
services 
and 
internation
al 
communic
ations 

NIS millions 
1,283 
56 
1,339 

Interior 
landline 
communic
ation 

NIS millions 
3,757 
316 
4,073 

Cellular 
communic
ation * 

NIS millions 
2,316 
46 
2,362 

Multi-
channel 
TV ** 

NIS millions 
1,344 
1 
1,345 

Others 

NIS millions 
229 
9 
238 

Adjustmen
ts* 

NIS millions 
- 
(428) 
(428) 

Consolidat
ed 

NIS millions 
8,929 
- 
8,929 

External revenues 
Inter-segmental revenue 
Total revenue 

Depreciation and amortization 

861 

633 

190 

334 

14 

32 

2,064 

Segment results - operating 
profit (loss) 

2,142 

(99) 

(196)  

(135) 

Financial expenses 
Financing revenue 
Total financing expenses 
(revenue), net 

608 
(39) 

569 

23 
(62) 

(39) 

8 
(2) 

6 

17 
(5) 

12 

Segment profit (loss) after 
financing expenses, net 
Share in losses of affiliated 
companies 
Segment profit (loss) before 
taxes on income 
Income taxes 
Segment results - net profit 
(loss) 

Sector assets 
Goodwill 
Investment in affiliated 
companies 
Segment liabilities 
Investments in fixed and 
intangible assets 

1,573 

(60) 

(202)  

(147) 

- 

1,573 
381 

1,192 

8,091 
- 

- 
12,466 

- 

(60) 
(13) 

(47) 

4,088 
- 

- 
1,434 

914 

335 

- 

- 

(202)  
(45)  

(147) 
2 

(157)  

(149) 

1,080 
- 

4 
604 

110 

1,491 
- 

- 
576 

222 

1 

1 
- 

1 

- 

(2) 

(2) 
- 

(2) 

149 
- 

2 
79 

9 

(1,247) 

466 

81 
(158) 

738 
(266) 

(77) 

472 

(1,170) 

- 

(6) 

(2) 

(1,170) 
1,127 

(8) 
1,452 

(2,297) 

(1,460)  

(900) 
1,559 

- 
843 

- 

13,999 
1,559 

6 
16,002 

1,590 

*  Impairment loss in the cellular communications segment is presented as part of the adjustments. 
** The results of the multi-channel TV segment are presented net of the overall impact of impairment recognized 

since 2018. This is in accordance with the way in which the Group's chief operating decision maker evaluates the 
segment's performance and makes decisions regarding the allocation of resources to the segment. See also note 
31.3 regarding a summary of selected data from the financial statements of DBS. 

For the year ended December 31, 2018 

Interior 

Cellular 

Internet 

Multi-

Others 

Adjustmen

Consolidat

95 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

landline 
communic
ation 

communic
ation * 

External revenues 
Inter-segmental revenue 
Total revenue 

NIS millions 
3,883 
313 
4,196 

NIS millions 
2,401 
42 
2,443 

services 
and 
internation
al 
communic
ations 

NIS millions 
1,338 
53 
1,391 

channel 
TV * 

ts 

ed 

NIS millions 
1,473 
- 
1,473 

NIS millions 
226 
15 
241 

NIS millions 
- 
(423) 
(423) 

NIS millions 
9,321 
- 
9,321 

Depreciation and amortization 

850 

655 

194 

323 

21 

345 

2,388 

Operating segment profit (loss) 
results 
Financial expenses 
Financing revenue 
Total financing expenses 
(revenue), net 

Segment profit (loss) after 
financing expenses, net 
Share in profits (losses) of 
affiliated companies 
Segment profit (loss) before 
taxes on income 
Income taxes 
Segment results - net profit 
(loss) 

1,224 
502 
(32) 

470 

754 

- 

754 
187 

567 

(2) 
22 
(56) 

(34) 

32 

- 

32 
8 

24 

77 
11 
(1) 

10 

67 

1 

68 
17 

51 

(56) 
16 
(27) 

(11) 

(45) 

- 

(45) 
3 

(48) 

(36) 
- 
- 

- 

(36) 

(4) 

(40) 
- 

(40) 

(2,656) 
69 
27 

(1,449) 
620 
(89) 

96 

(531) 

(2,752) 

(1,980) 

- 

(3) 

(2,752) 
(282) 

(1,983) 
(67) 

(2,470) 

(1,916) 

*  The results of the multi-channel TV segment are presented net of the overall impact of impairment presented in 
Note 11.5. This is in accordance with the way in which the Group's chief operating decision maker evaluates the 
segment's performance and makes decisions regarding the allocation of resources to the segment. See also Note 
31.4 regarding a summary of selected data from the financial statements of DBS. 

96 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

28.2 

Adjustments  for  reported  segments  of  income,  profit  and  loss,  assets  and 
liabilities 

For the year ended December 31 

2020 

2019 

2018 

NIS millions 

NIS millions 

NIS millions 

Revenue 

Revenue from reportable segments 

Revenue from other segments 

Elimination of revenue from inter-segmental sales  

Consolidated Revenue  

Income 

Operating profit in respect of reportable segments 

Financing expenses, net 
Loss (loss write-off) from impairment of assets (see 
Note 11.2) 

Adjustments for the multi-channel television segment 

Share in losses of affiliated companies 

Reducing cost overruns 
Loss due to activities classified in other category and 
other adjustments 

Consolidated profit (loss) before taxes on income 

8,903 

286 

(466) 

8,723 

1,338 

(475) 

286 

81 

- 

(22) 

26 

1,234 

9,119 

238 

(428) 

8,929 

1,712 

(472) 

9,503 

241 

(423) 

9,321 

1,243 

(531) 

(1,133) 

(2,286) 

80 

(2) 

(185) 

(8) 

(8) 

- 

(3) 

(357) 

(49) 

(1,983) 

December 31, 
2020 

December 31, 
2019 

NIS millions 

NIS millions 

Assets 

Reportable segment assets 

Assets associated with activities classified in the other category 

Goodwill not attributed to the activity segment 
Net of loss from impairment of assets (see Note 11), cross-segmental assets 
and other adjustments  

Assets and cost surpluses that are not attributed to a reportable segment 

Consolidated assets 

Liabilities 

Liabilities of reportable segments 

14,992 

96 

1,559 

(2,188) 

(1,494) 

15,953 

14,591 

Liabilities associated with activities classified in the other category 

42 

Deducting cross-segmental liabilities 

Liabilities related to non-reportable segments 

Consolidated assets 

(1,242) 

2,135 

15,526 

14,754 

151 

1,559 

(2,755) 

1,355 

15,564 

15,080 

79 

(1,236) 

2,079 

16,002 

97 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

29  Related parties transactions 

29.1  Identity of stakeholder and related parties 

The related parties transactions of the Company as defined in the Securities Law and 
International Accounting Standard 24 regarding related parties, are mainly Searchlight 
and  TNR,  their  related  parties  (including  entities  that  were  related  parties  of  the 
Company  or  of  Searchlight  and  TNR  during  the  reported  period,  however,  are  not 
related parties of the Company or of Searchlight and TNR as of the date of the report), 
affiliates, directors and key management personnel of the Company or of Searchlight 
and TNR. 

It  should  be  noted  that  the  transactions  described  below  with  related  parties  do  not 
include a reference to the aforesaid in Note 1.3 regarding investigations by the Securities 
Authority and the Israel Police or its possible consequences. 

29.2  Related parties balances 

As of December 31 

2020 

2019 

NIS millions 

NIS millions 

Trade receivables - affiliated companies 

Related parties, net 
Eurocom DBS Ltd. in respect of excess advances paid in respect of 
contingent consideration (excluding interest) (see Note 14.2.1)  

2 

(1) 

99 

5 

(1) 

99 

29.3  Related parties transactions 

For the year ended December 31 

2020 

2019 

2018 

NIS millions 

NIS millions 

NIS millions 

Revenue 
Related parties 
From affiliates 
Expenses 
To related parties  
To affiliates  
Property, plant and equipment 
Related parties 
Update of the balance of excess advances in 
respect of the purchase of DBS (see Note 
14.2.1) 

12 
2 

28 
2 

- 

- 

13 
1 

20 
- 

- 

- 

31 
6 

54 * 
5 

1 

43 ** 

*  Expenses to related parties also include amounts paid by DBS to Space up to 
May 3, 2018. It should be noted that after this date, according to the Company's 
position, based on information received by it, Space ceased to be a related party. 
For further details on this matter see section 29.3.2 below. The total amount of 
DBS’s payments to Space in 2018 amounted to approximately NIS 74 million. 

** Update of a contingent consideration liability in respect of a business  merger 
with DBS and an update of the fair value estimate of the amount expected to be 
returned  to  the  Company  from  the  excess  of  the  advances  paid  in  full,  as 
financing income. 

98 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Details regarding related parties transactions 

Negligence procedure in Bezeq Group 

On  March  7,  2011,  the  Bezeq’s  Board  of  Directors  decided  to  adopt 
guidelines and rules for classifying a transaction Bezeq or its subsidiary with 
a stakeholder therein as Regulations a negligible transaction as provided in 
Regulation 41 (a3)  of the Securities (Annual Financial Statements), 5770-
2010  (hereinafter  -  “Financial  Statements  Regulations").  These  rules  and 
guidelines, as updated and / or will be updated from time to time, will also 
be  used  to  examine  the  scope  of  disclosure  in  the  periodic  report  and 
prospectus (including shelf offer reports) regarding a transaction by Bezeq, 
a  corporation  controlled  thereby  and  its  affiliate  or  subsidiary  with  a 
controlling shareholder therein or if a shareholder has personal interest in the 
approval thereof as provided in Regulation 22 of the Securities (Periodic and 
Immediate  Reports)  Regulations,  5730-1970  (hereinafter  -  "Periodic 
Reporting  Regulations")  and  Regulation  54  of  the  Securities  Regulations 
(details of the prospectus and draft prospectus - structure and form), 5769 - 
1969. Types of transactions  determined in the provisions of the Financial 
Statements  Regulations,  the  Periodic  Reporting  Regulations  and  the 
prospectus details regulations mentioned above will be referred to below as 
"Stakeholder  Transactions".  These  guidelines  will  also  be  used  by  the 
Company  for  the  purpose  of  examining  the  existence  of  a  Stakeholder 
Transaction that is a "non-negligible transaction", within the meaning thereof 
in Article 117 (2a) of the Companies Law, 5769-1999. 
Bezeq  and  its  subsidiaries  enter,  from  time  to  time,  into  non-exceptional 
negotiation  transactions  with  stakeholders  in  the  Company  and  its 
controlling shareholder (hereinafter – “Company Stakeholders”) or that the 
controlling shareholder has a personal interest therein), of the types and with 
characteristics as detailed below: 

1.  Sales  of  services  and  communication  products  by  the  Group's 
companies  -  including,  inter  alia:  various  basic  communication 
services  (telephony,  transmission  and  -  PRI)  and  hosting  on  server 
farms; Providing cellular services and value-added services and selling 
and  upgrading  cellular  end  equipment;  Internet  access  services, 
international 
services  and  data 
telephony 
communication services; TV services. 

services,  hosting 

2.  Lease agreements, management and purchase of real estate, including, 
inter  alia:  lease  of  areas  used  for  communication  facilities  and 
warehouses. 

In  the  absence  of  special  quality  considerations  arising  from  all  the 
circumstances  of  the  case,  a  transaction  made  in  the  ordinary  course  of 
business, under market conditions and which has no material effect on the 
Company  will  be  considered  a  negligible  transaction  if  all  the  following 
parameters are met: 

a.  The scope of the contract specified in it shall not exceed NIS 10 million. 

b.  Bezeq is not required to report the transaction in an immediate manner 
in accordance with Regulation 36 of the Periodic Reports Regulations 
or under other law. 

c.  The transaction does not include terms of office and employment (as 
defined  in  the  Companies  Law,  5769-1999  (hereinafter  -  “the 

99 

 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Companies  Law")  of  a  stakeholder  or  a  related  party,  or  does  not 
constitute a contract as stated in Article 270 (4) of the Companies Law 
(contract of a public company with its controlling shareholder or with 
a relative, directly or indirectly, including through a company under his 
control, for the purpose of receiving services from him by the Company 
and if he also holds an office therein - as to the terms of his office and 
employment,  and  if  he  works for  the  company  and  does  not  hold an 
office therein). 

Subject to the provisions of the Companies Law, as they will be from time 
to time, once a year, before the publication of the annual financial statements, 
Bezeq’s Audit Committee will examine the parameters listed above and the 
need to update them. As a rule, each transaction will be examined separately 
for  the  purpose  of  examining  the  above  negligence  criterion.  However, 
notwithstanding the above, separate transactions that form part of the same 
contract  or  ongoing  transactions  or  very  similar  transactions  that  are 
performed  frequently  and  repeatedly,  will  be  examined  as  a  single 
transaction on an annual basis for the purpose of examining the negligence 
criterion, provided that the above contracts do not exceed NIS 10 million. 

Bezeq’s  Board  of  Directors  may  from  time  to  time  and  at  its  discretion, 
change the above parameters for a negligible transaction. Such change will 
be reported as required by law. 

The  following  are  transactions  listed  in  Article  270 (4)  of the  Companies 
Law that are not considered negligible transactions 

The date of approval 
of Bezeq’s general 
meeting (after 
receiving the 
approval of the Audit 
/ Remuneration 
Committee and the 
Board of Directors of 
the Company), unless 
otherwise stated 
April 3, 2017 

Nature of the transaction 
Approval  of  Bezeq’s  vote  at  the  general 
favor  of  DBS’s 
in 
meeting  of  DBS 
engagement  with  Space  Communications 
Ltd. ("Space" and the "Parties" respectively) 
in  the  amendment  /  addition  to  the  existing 
the  parties  dated 
agreement  between 
November  4,  2013  for  the  lease  of  satellite 
segments 
("the 
Engagement"),  including  the  refinement  of 
the Engagement and its execution. 

in  Space’s 

satellites 

The 
essence 
of 
personal 
interest 
Section 
A below 

Transaction sum 
Total nominal cost of 
up to approximately 
USD 263 million for 
the entire engagement 
period (until 
December 31, 2028) 
which reflects an 
average annual cost of 
approximately USD 
21.9 million per year. 
See further details 
regarding the Space 
Agreement in Note 
19.1 and 19.2.  

a.  The Company had a personal interest in the transaction at the time of its approval, in light of the 
fact  that  as  of  the  date  of  the  said  transaction,  Space  was  under  the  control  of  Eurocom 
Communications, which at that time controlled (along the chain) B Communications. To the best 
of Bezeq’s knowledge and in accordance with the information provided to  Bezeq by Eurocom 

100

 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Communications,  as  of  May 3,  2018,  the  connection  between  Eurocom  Communications  and 
Space was severed and Bezeq ceased to consider Space as a related party. 

For transactions listed in Article 270 (4) of the Companies Law, which concern insurance and an 
obligation to indemnify directors and officers of the Company, see Note 29.6 below. 

29.4  Benefits for the Group’s key executives  

Benefits for employing key management personnel in the Group in the years 2018-
2020 include: 

For the year ended December 31 

2020 

NIS  thousands 

2019 
NIS  thousands 

2018 
NIS  thousands 

Number of key executives * 

Payroll ** 

Grant*** 
Management fees for the Chairman of the 
Board of Directors **** 
Remuneration to the former Deputy 
Chairman of the Bezeq Board of 
Directors 

6 

8,526 

4,995 

1,919 

- 

15,440 

6 

8,163 

3,834 

2,400 

- 

14,397 

9 

8,949 

5,453 

2,508 

372 

17,287 

*  Key  management  personnel  in  the  Group  in  the  reporting  year  include  the 
Chairman of the Company’s Board and the Company’s CEO (who also serves 
as a director in the Company), as well as the former Bezeq Board of Directors, 
whose  remuneration  for  his  services  was  paid  to  a  management  company  in 
which 50% of the means of control are held by him, the Company's CEO and 
the CEO of Pelephone, Bezeq International and DBS. 

  Regarding options for the Company's shares granted to the Company's CEO, 

see Note 21.1.3. 

**  In 2020, the changes in other provisions (included in the total payroll) mainly 
include  a  provision  for  prior  notice  and  for  a  non-compete  period  for  the 
Chairman of Bezeq's Board of Directors in the amount of approximately NIS 
0.9 million. 

  The salary of the CEO of the Company also includes the directors’ remuneration 

that he receives as a director in the Company. 

In 2019, the changes in other provisions (included in the total payroll) mainly 
include an increase in the provision for prior notice, vacation and sick leave to 
the Bezeq’s CEO in the amount of approximately NIS 0.6 million. 
In  2018,  the  changes  in  other  provisions  (included  in  the  total  salary  and 
management  fees)  include  a  decrease  in  the  provision,  mainly  due  to  the 
payment  of  advance  notice  and  vacation to  the former  CEO  of  Bezeq  in  the 
amount of NIS 1.2 million and to the former DBS CEO in the amount of NIS 
2.1  million and  on the  other  hand an  increase in  respect  of  the  creation  of  a 
provision  for  prior  notice  and  vacation  to  Bezeq’s  CEO  in  the  amount  of 

101

 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

approximately NIS 0.5 million and to the former Chairman of the Bezeq Board 
in the amount of approximately NIS 0.5 million. 

On May 3, 2019, the former Chairman of the Bezeq Board of Directors notified 
the Company of a 20% reduction in management fees in respect of the entire 
2019 year. 

For information regarding share-based compensation, see Note 32.1. 

29.5  Benefits to the Company’s directors 

For the year ended December 31 

2020 

2019 

2018 

NIS thousands 

NIS thousands 

NIS thousands 

Remuneration to Board members* 

Number 
of 
remuneration** 

directors 

receiving 

the 

712 

6 

937 

10 

952 

6 

*  The  directors’  remuneration  of  the  CEO  of  the  Company  who  also  serves  as  a 
director  in  the  Company  and the  remuneration  of  the  Chairman  of  the  Company's 
Board of Directors in 2020 are presented in section 29.4 above due to their being key 
management personnel. 
** In 2019, 2 new external directors and a new independent director were appointed 
to  the  Company,  and  3  directors  were  appointed on  behalf  of  the  Company's  new 
controlling shareholders were also appointed. 

29.6  Additional benefits for the Company’s directors and officers 

Date of approval of the 
general meeting (after 
receiving approval from the 
Company's Board of 
Directors), unless otherwise 
stated 
April 30, 2020 

April 30, 2020 

November 30, 2020 
Approval of the Company's 
Board of Directors in 
accordance with 
Regulation 1b1 of the 
Relief Regulations 

Nature of the transaction 
Approval of the Company's 
contract with run-off insurance 
policy to cover the liability of 
directors and officers of the 
Company. 

Amendment of the letter of 
indemnity and exemption to the 
directors and officers of the 
Company regarding the 
maximum amount of 
indemnification. 

Approval of the Company's 
contract in an insurance policy 
to cover the liability of directors 
and officers of the Company 
and its subsidiaries, in 
accordance with the Company's 
remuneration policy for the 

Transaction sum 
Limit of liability of up to USD 
10 million per claim and in total 
for the entire insurance year 
plus reasonable legal expenses. 
The total annual premium is 
approximately USD 300k. The 
deductible amount for the 
Company is up to USD 250k 
per case. 
Up to 25% of the Company's 
equity according to the 
Company's latest reports 
published prior to the actual 
indemnification or up to a total 
of USD 15 million, whichever is 
higher. 
Limit of liability of up to USD 
20 million per claim and in total 
for the entire insurance year 
plus reasonable legal expenses. 
The total annual premium is 
approximately USD 675k. In 
addition, the Company 

102

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

period up to December 31, 2021  purchased an extension of the 
disclosure period in the policy 
with a liability limit of USD 5 
million and a one-time annual 
premium of USD 187,500. The 
amount of the Company's 
deductible is up to USD 
100,000 per case for claims 
outside the United States and 
Canada, up to USD 250k per 
case in claims in the United 
States and Canada and up to 
USD 250k  per case in securities 
claims in Israel. 

103

 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

30  Financial instruments 

30.1  General 

The Group is exposed to the following risks arising from the use of financial 
instruments: 

a.  Credit risk 
b.  Liquidity risk 
c.  Market risk (including currency risk, interest rate risk and CPI risks). 

This note provides quantitative and qualitative information regarding the Group's 
exposure to each of the above risks, an explanation of how to manage the risks and 
the measurement processes.  

30.2  The framework for financial risk management 

The  comprehensive  responsibility  for  establishing  and  supervising  the  Group's 
financial risk management framework lies with the Board of Directors. The Group's 
financial  risk  management  aims  to  define  and  monitor  the  various  risks  on  an 
ongoing  basis  and  to  determine  the  level  of  exposure  to  risk  that  needs  to  be 
complied with and the possible effects arising from this exposure in accordance 
with the Board's assessments and expectations. 

The Group's policy is to manage, in accordance with rules established by the Board 
of  Directors,  the  exposure  arising  from  fluctuations  in  foreign  exchange  rates, 
changes in interest rates and changes in the consumer price index.  

30.3  Credit risk 

Management monitors the Group's exposure to credit risks on an ongoing basis. 
Cash and investments in deposits and securities are deposited in high-rated banking 
corporations. 

Other trade receivables 
The  Group's  Management  regularly  monitors  customers'  debts  and  the  financial 
statements  include  provisions  for  loan-loss  that  adequately  reflect,  according  to 
Management's assessment, the loss inherent in debts whose collection is in doubt. 
In addition, there is a large distribution of customer balances. 

Investments in financial assets 
To  the  extent  that  investments  are  made  in  securities,  they  are  made  in  liquid, 
tradable and low-risk securities. Transactions involving derivatives are conducted 
with entities with a high credit rating. 
As of the reporting date, there is no significant concentration of credit risks.  

30.4  Liquidity risk 

The  Group's  policy  for  managing  its  liquidity  is  to  ensure,  as  far  as  possible, 
sufficient liquidity to meet its existing and expected obligations at the time of their 
existence,  in  a  normal  business  scenario  and  under  extreme  conditions,  without 
causing it undesirable losses or goodwill damage. The cash balances held by the 
Group  are  managed  mainly  through  liquid  investment  channels,  subject  to  the 
financing  needs  of  current operations  and  the  debt  service.  The  Group regularly 
examines existing and expected cash needs in the foreseeable future, even in the 
event  of  an  unexpected  deterioration  in  its  business.  These  forecasts  take  into 
account,  inter  alia,  debt  raising  and  turnover  from  banking  and  non-banking 
sources.  In  accordance  with  the  conclusions,  active  activity  is  carried  out  to 
minimize the risk. 

104

 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Regarding the terms of debentures issued by the Group companies and the loans 
received, see Note 14 above. 

The  Group  has  a  contractual  obligation  to  make  purchases,  property,  plant  and 
equipment,  end  equipment  and  other  current  services.  For  further  information 
regarding the engagements, see Note 19, regarding engagements. 

105

 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

The following are the contractual maturity dates of financial liabilities that were 
actually  received  as  of  December  31,  2020,  including  an  estimate  of  interest 
payments (based on data from the Consumer Price Index and interest known as of 
December 31, 2020): 

As of December 31, 2020 
Book 
value 

Contrac
tual 
cash 
flow 

2022 

2026 
Onwar
ds 

2023 
to 
2025 

H1/2021  H2/2021 

N I S   m i l l i o n s  

Non-derivative financial liabilities 
Trade and other 
payables 
Loans  

1,548 
2,109 

Bonds  

8,162 

1,548 
2,451 

9,334 

1,509 
135 

109 

11,819 

13,333 

1,753 

39 
129 

685 

853 

- 
147 

1,100 

1,247 

- 
948 

5,215 

6,163 

- 
1,092 

2,225 

3,317 

Financial liabilities in 
respect of derivative 
instruments 

117 

117 

8 

43 

44 

12 

10 

The Group anticipates that it will not be required to repay the liabilities as set forth 
above or in various amounts, substantially. 

30.5  Market risks 

The  purpose  of  market  risk  management  is  to  manage  and  monitor  exposure  to 
market risks within accepted parameters to prevent significant exposures to market 
risks that will affect the Group's results, liabilities and cash flow. 
As part of the Group's exposure management policy, it was decided to establish a 
mix of exposure to debt for interest and linkage as well as to reduce exposure to 
foreign currency. Accordingly, during its ordinary course of business, the Group 
performs full or partial hedging operations and takes into account the effects of the 
exposure in its considerations in determining the type of loans it takes out and in 
managing its investment portfolio. 

30.5.1  Exposure to consumer price index risk and foreign currency 

Consumer price index risk 

Changes in the inflation rate affect the Group's profitability and its future 
cash  flows,  mainly  due  to  its  index-linked  liabilities.  As  part  of  the 
implementation of a policy to reduce index exposure, the Group executes 
forward  transactions  against  the  index.  The  hedging  transactions  are 
carried  out  against  the  repayment  schedules  of  the  hedged  debt.  The 
Company applies hedge accounting to these forward transactions. 

A significant portion of the cash balances are invested in shekel deposits 
that are exposed to a change in the real value as a result of changes in the 
rate of the consumer price index. 

Foreign exchange risk 

The Group is exposed to foreign exchange risks mainly due to payments 
for  the  purchase  of  end  equipment  and  property,  plant  and  equipment 
denominated or linked in part to the dollar and the Euro. In addition, the 
Group provides services to customers and receives services from around 

106

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

the world in foreign currency, mainly in dollars. The Group's policy is to 
minimize foreign exchange purchase agreements as much as possible, as 
well  as  to  partially  hedge  the  dollar  exposure  through  forward 
transactions against the dollar and manage deposits in dollars. 

107

 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

The following is a report on the financial position according to linkage bases: 

As of December 31, 2020 

In or 

adjacent to 

foreign 

Without 
linkage 
NIS 
millions 

Linked to 
the price 
index 
NIS 
millions 

currency 

Non-

(mainly 

dollars) 
NIS 
millions 

monetary 

Total 

balances 
NIS 
millions 

balances 
NIS 
millions 

815 
822 
1,592 
50 
- 
- 
3,279 

323 
- 
- 
- 
- 

196 
- 
519 
3,798 

268 

2 
1,294 
479 
115 
2,158 

6,814 
4 
286 
89 
- 
52 
7,245 
9,403 

- 
- 
16 
90 
- 
- 
106 

191 
- 
- 
- 
- 

- 
- 
191 
297 

517 

413 
126 
- 
2 
1,058 

2,671 
1,488 
- 
66 
- 
- 
4,225 
5,283 

79 
59 
13 
- 
- 
- 
151 

- 
- 
- 
- 
- 

- 
- 
- 
151 

- 

- 
179 
3 
- 
182 

- 
- 
49 
- 
- 
- 
49 
231 

- 
- 
- 
40 
73 
10 
123 

- 
67 
1,804 
6,131 
3,268 

206 
108 
11,584 
11,707 

- 

- 
167 
- 
- 
167 

- 
- 
- 
152 
290 
- 
442 
610 

894 
881 
1,621 
180 
73 
10 
3,659 

514 
67 
1,804 
6,131 
3,268 

402 
108 
12,294 
15,953 

785 

415 
1,766 
482 
117 
3,565 

9,485 
1,492 
335 
307 
290 
52 
11,961 
15,526 

(5,604) 

(4,986) 

 )80( 

11,097 

427 

Current assets 
Cash and cash equivalents 
Investments 
Trade receivables 
Other receivables 
Inventory 
Assets held for sale 
Total current assets 
Non-current assets 
Trade receivables 
Broadcast rights – net of rights exercised 
Right-of-use assets 
Property, plant and equipment 
Intangible assets 
Deferred expenses and non-current 
investments 
Deferred tax assets 
Total non-current assets 
 Total assets 
Current liabilities 
Bank loans and debentures 
Current maturities of liabilities in 
respect of leases 
Trade and other payables 
Employee benefits 
Provisions 
Total current liabilities 
Non-current liabilities 
Loans and bonds 
Liabilities in respect of leases 
Employee benefits 
Derivatives and other liabilities  
Deferred tax liabilities  
Provisions  
Total non-current liabilities 
Total liabilities 

Total exposure in the statement of 
financial position 

( 

Forward transactions  

 )1,477( 

1,215 

262 

- 

- 

108

As of December 31, 2019 

 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
Notes to Consolidated Financial Statements as of December 31, 2020 

In or 

adjacent to 

foreign 

Without 
linkage 
NIS 
millions 

Linked to 
the price 
index 
NIS 
millions 

currency 

Non-

(mainly 

dollars) 
NIS 
millions 

monetary 

Total 

balances 
NIS 
millions 

balances 
NIS 
millions 

788 
39 
1,200 
1,636 
44 
- 
- 
3,707 

304 
- 
- 
- 
- 
- 

45 
349 
4,056 

486 

21 
1,303 
651 
33 
2,494 

7,681 
6 
307 
- 
- 
49 
8,043 
10,537 

- 
- 
- 
20 
251 
- 
- 
271 

173 
- 
- 
- 
- 
- 

- 
173 
444 

521 

395 
76 
- 
92 
1,084 

2,731 
962 
- 
66 
- 
- 
3,759 
4,843 

26 
- 
41 
21 
- 
- 
- 
88 

- 
- 
- 
- 
- 
- 

- 
- 
88 

- 

- 
159 
3 
- 
162 

- 
1 
49 
- 
- 
- 
50 
212 

- 
- 
- 
- 
47 
96 
43 
186 

- 
59 
5,968* 
3,167* 
1,217 
81 

298* 
10,790 
10,976 

- 

- 
89 
- 
- 
89 

- 
- 
- 
73 
248 
- 
321 
410 

814 
39 
1,241 
1,677 
342 
96 
43 
4,252 

477 
59 
5,968 
3,167 
1,217 
81 

343 
11,312 
15,564 

1,007 

416 
1,627 
654 
125 
3,829 

10,412 
969 
356 
139 
248 
49 
12,173 
16,002 

(6,481) 

(4,399) 

(124)  

10,566 

(438) 

(1,745) 

1,555 

190 

- 

- 

Current assets 
Cash and cash equivalents 
Restricted cash 
Investments  
Trade receivables 
Other receivables 
Inventory 
Assets held for sale 
Total current assets 
Non-current assets 
Trade receivables 
Broadcast rights - less rights used 
Property, plant and equipment 
Intangible assets 
Right-of-use assets 
Deferred tax assets 
Deferred expenses and non-current 
investments 
Total non-current assets 
 Total assets 
Current liabilities 
Bank loans and debentures 
Current maturities of liabilities in 
respect of leases 
Trade and other receivables 
Employee benefits 
Provisions 
Total current liabilities 
Non-current liabilities 
Loans and bonds 
Liabilities in respect of leases 
Employee benefits 
Derivatives and other liabilities  
Deferred tax liabilities  
Provisions 
Total non-current liabilities 
Total liabilities 

Total exposure in the statement of 
financial position 

Forward transactions  
* Reclassified 

109

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

30.5.2  Data on the Consumer Price Index: 

In  2020,  the  known  consumer  price  index  decreased  by  0.6%  (in 
2019 an increase of 0.3%, and in 2018 an increase of 1.2%). 

30.5.3  Sensitivity analyzes in relation to a change in the consumer price index for 

a change in the exchange rate of the dollar  

A 1% increase / decrease in the consumer price index at the reporting 
date would not materially affect net income and capital.  
A  10%  increase  /  decrease  in  the  exchange  rate of the  dollar  at the 
reporting date would not materially affect earnings and capital.  

30.5.4  Interest rate risk 

As of December 31, 2020, the exposure to the risk of interest rates due 
to a liability in respect of floating-rate debt instruments is negligible. 

a.  Type of interest 

Below  is  a  breakdown  of  the  interest  rate  type  of  interest-bearing 
financial instruments of the Group. 

Fixed rate instruments 
Financial assets (mainly deposits and Trade 
receivables) 

Financial liabilities (loans and bonds) 

Book value 

2020 

2019 

NIS millions 

NIS millions 

1,919 

 )10,199( 

 )8,280( 

2,284 

(11,312) 

(9,028) 

Instruments at floating interest rates 

Financial liabilities (bonds) 

 )71( 

(107) 

b.  Analyzing the sensitivity of fair value in respect of fixed-rate instruments 

The Group's fixed interest assets and liabilities are not measured at fair value 
through  the  statement  of  income.  Thus,  a  change  in  interest  rates  at  the 
reporting date will have no effect on the statement of income. 

c.  Analysis of cash flow sensitivity for instruments at variable interest rates 

An  increase  /  decrease  of  1%  in  the  interest  rates  at  the  time  of  reporting 
would have negligible effect on profit and capital. 

30.6  Hedging 

110

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

30.6.1  Cash flow hedge accounting 

Bezeq entered into forward transactions, as detailed in the table below, for the purpose 
of reducing the exposure to changes in the consumer price index in respect of index-
linked bonds. These transactions define a specific cash flow of some of the bonds and 
are  recognized  in  accounting  as  a  hedge  of  cash  flows.  The  expiration  date  of  these 
transactions is consistent with the repayment schedules of the bonds they were intended 
to protect. The fair value of forward transactions is determined by the use of marketable 
data (Level 2 in the fair value hierarchy). 

Number  Par value  Fair value  

Capital 
principal 
balance  

Hedged item 

Repayment dates 

Transacti
ons 

NIS 
millions 

NIS 
millions 

NIS 
millions 

As  of  December 
31, 2020 
Series 6 bonds 
Series 10 bonds  12.2025 to 12.2022 
Series 12 bonds  6.2030 to 6.2026 

12.2021 to 12.202 

As  of  December 
31, 2019 
Series 6 bonds 
12.2020 to 12.2022 
Series 10 bonds  12.2022 to 12.2025 

Series 12 bonds  6.2026 to 6.2030 

30.6.2  Economic hedging 

3 
4 
5 
12 

4 
4 

5 

13 

665 
300 
250 
1,215 

1,005 
300 

250 

1,555 

(78) 
(15) 
(10) 
(103) 

(112) 
(5) 

(1) 

(118) 

(9) 
(5) 
(6) 
(20) 

(10) 
(2) 

(1) 

(13) 

a.  During  2020  Bezeq  engaged  in  forward  transactions for  the  purpose  of reducing  the 
exposure to changes in the dollar exchange rate. The net fair value of these transactions 
as of December 31, 2020 is a liability of approximately NIS 2 million. 

b.  DBS is involved in forward transactions for the purpose of reducing exposure to changes 
in the dollar exchange rate. The net fair value of these transactions as of December 31, 
2020  is  a  liability  of  about  NIS  12  million  (as  of  December  31,  2019,  a  liability  of 
approximately NIS 4 million). 

30.7  Financial instruments measured at fair value 

111

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

30.7.1   The table below presents an analysis of the financial instruments measured at fair 

value: 

December 31, 
2020 

December 31, 
2019 

NIS millions 

NIS millions 

Level 1 - Investment in marketable securities measured at 
fair value through profit or loss (see 30.7.2) 

Level 2 - Forward contracts (see 30.7.3) 

77 

(117) 

358 

(122) 

30.7.2  The  fair  value  of  marketable  securities  is  determined  with  reference  to  their 
suggested selling price quoted at the closing of trading, at the reporting date (Level 
1). 

30.7.3  The fair value of forward contracts on the consumer price index or foreign exchange 
is based on discounting the difference between the price specified in the  forward 
contract  and  the  price  of  the  current  forward  contract  for  the  remainder  of  the 
contract  period  until  maturity,  using  an  appropriate  interest  rate  (Level  2).  The 
assessment  is  made  under  the  assumption  that  a  market  participant  takes  into 
account the credit risks of the parties in pricing such contracts. 

30.8 Financial 

instruments  measured  at  fair  value  for 

disclosure purposes only 

The  table  below  lists  the  differences  between  the  book  value  and  the  fair  value  of 
financial liabilities. 

The fair value of bonds issued to the public is determined according to their purchase 
price quoted at the close of trading, at the reporting date (Level 1).  

The fair value of non-traded loans and bonds is measured on the basis of the present 
value of future cash flows in respect of the principal and interest component, discounted 
at the market rate corresponding to similar liabilities plus the required adjustments for 
risk premium and non-marketability as of the financial statements (Level 2). 

As of December 31, 2020 
Book 
value 
(including 
accrued 
interest) 

Fair value 

NIS million 

Loans from banks and 
institutional entities (unlinked) 
Bonds issued to the public 
(index-linked) 
Bonds issued to the public 
(unindexed) 
Bonds issued to financial 
institutions (index-linked) 
Bonds issued to financial 
institutions (unlinked) 

2,118 

2,252 

3,199 

3,394 

4,913 

5,187 

- 

- 

- 

- 

As of December 31, 2019 

Discount 
rate 
(weighted 
average) 

The 
value in 
the 
books 

Fair 
value 

Discount 
rate 
(weighted 
average) 

% 

1.97 

0.44 

1.40 

 - 

 - 

NIS million 

% 

3,401 

3,561 

2.39 

2,508 

2,647 

0.05 

4,071 

4,160 

1.00 

762 

607 

855 

646 

1.24 

2.69 

10,230 

10,833 

11,349 

11,869 

112

 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

30.9.  Offsetting financial assets and financial liabilities 

The  Group  has  agreements  with  various  communications  companies  for  the 
provision and receipt of communications services. Under some of the agreements, 
each party has the right to offset the amounts that each party owes. The table below 
shows the book value of balances offset as presented in the statement of financial 
position: 

December 31, 
2020 

December 31, 
2019 

NIS millions 

NIS millions 

Balance of other trade receivables, gross 

Amounts offset 
Balance of trade receivables presented in the statement of financial 
position 

Gross balance of suppliers 

Amounts offset 

93 

(84) 

9 

102 

(84) 

Balance of suppliers presented in the statement of financial position 

18 

90 

(81) 

9 

100 

(81) 

19 

113

 
 
  
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

31.  Summary  of  selected  data  from  the  financial  statements  of  Bezeq  the  Israel 
Telecommunications  Corporation  Ltd.,  Pelephone  Communications  Ltd., 
Bezeq International Ltd. and DBS Satellite Services (1998) Ltd. 

31.1  Bezeq the Israel Telecommunications Corporation Ltd. 

Data from the report on the financial position: 

Current assets 

Non-current assets 

Current liabilities 

Non-current liabilities 

Total liabilities 

Equity 

Data from the statement of income: 

December 31, 

December 31, 

2020 

2019 

NIS millions 

NIS millions 

2,014 

9,600 

11,614 

2,096 

9,668 

11,764 

(150) 

11,614 

2,283 

9,251 

11,534 

2,327 

10,139 

12,466 

(932) 

11,534 

Revenue 

Operating expenses 

Salaries 

Depreciation and amortization 

Operating and general expenses 

Other operating expenses (revenue), net 

Total operating expenses 

Operating profit (loss) 

Financing expenses (revenue) 

Financial expenses 

Financing revenue 

Financing income, net 

Profit after financing expenses, net 
Share in profits (losses) of investee 
companies, net 

Profit (loss) before income taxes 

Expenses (revenue) Taxes on income 

Profit (loss) for the year 

For the year ended December 31 

2020 

2019 

2018 

NIS millions 

NIS millions 

NIS millions 

4,159 

4,073 

4,196 

919 

877 

590 

68 

2,454 

1,705 

419 

(16) 

403 

1,302 

(244) 

1,058 

262 

796 

911 

861 

565 

(406) 

1,931 

2,142 

608 

(39) 

569 

1,573 

(2,386) 

(813) 

381 

(1,194) 

912 

850 

596 

614 

2,972 

1,224 

502 

(32) 

470 

754 

(1,659) 

(905) 

187 

(1,092) 

31.2.  Pelephone Communications Ltd. 

114

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

Data from the statement on the financial position: 

Current assets 

Non-current assets 

Current liabilities 

Non-current liabilities 

Total liabilities 

Equity 

December  31, 
2020 
NIS millions  NIS millions 

December  31, 
2019 

899 

3,472 

4,371 

720 

1,022 

1,742 

2,629 

4,371 

843 

3,245 

4,088 

667 

767 

1,434 

2,654 

4,088 

Data from the statement of income: 

Revenue 

Revenue from jobs 

Revenue from the sale of end equipment 

Total revenue from jobs and sales 

Operating expenses 

Operating and general expenses  

Salaries 

Depreciation and amortization 

Total operating expenses 

Other operating expenses, net 

Operating loss 

Financing expenses (revenue) 

Financial expenses 

Financing revenue 

Financing revenue, net 

Profit (loss) before income taxes 

Expenses (revenue) before taxes on income 

Profit (loss) for the year 

For the year ended December 31 

2020 

2019 

2018 

NIS millions  NIS millions  NIS millions 

1,591 

595 

2,186 

1,329 

324 

599 

2,252 

18 

(84) 

18 

(66) 

(48) 

(36) 

(11) 

(25) 

1,709 

653 

2,362 

1,373 

373 

633 

2,379 

82 

(99) 

23 

(62) 

(39) 

(60) 

(13) 

(47) 

1,755 

688 

2,443 

1,402 

379 

655 

2,436 

9 

(2) 

22 

(56) 

(34) 

32 

8 

24 

115

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

31.3.  Bezeq International Ltd. 

Data from the report on the financial position: 

Current assets 

Non-current assets 

Current liabilities 

Non-current liabilities 

Total liabilities 

Equity 

December  31, 
2020 
NIS millions  NIS millions 

December  31, 
2019 

443 

342 

785 

432 

148 

580 

205 

785 

482 

602 

1,084  

461 

143 

604 

480 

1,084  

Data from the statement of income: 

Revenue 

Operating expenses 

Operating and general expenses  

Salaries 

Depreciation and amortization 

Other operating expenses, net 

Total operating expenses 

Operating profit (loss) 

Financing expenses (revenue) 

Financial expenses 

Financing revenue 

Financing expenses, net 

Share of profits of equity accounted investees 

Profit (loss) before taxes on income 

Expenses (revenue) before taxes on income 

Profit (loss) for the year 

For the year ended December 31 

2020 

2019 

2018 

NIS millions  NIS millions  NIS millions 

1,271 

1,339 

1,391 

802 

248 

149 

313 

1,512 

(241) 

5 

(3) 

2 

 - 

(243) 

32 

(275) 

827 

261 

190 

257 

1,535 

(196) 

8 

(2) 

6 

 - 

(202) 

(45) 

(157) 

812 

300 

194 

8 

1,314 

77 

11 

(1) 

10 

1 

68 

17 

51 

116

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

31.4.  DBS Satellite Services (1998) Ltd. 

Data from the report on the financial position: 

Current assets 

Non-current assets 

Current liabilities 
Non-current liabilities 

Total liabilities 

Capital deficit 

Data from the statement of income: 

December 
2020 

31, 

December 
2019 

31, 

NIS millions 

NIS millions 

176 

248 

424 

436 
69 

505 

(81) 

424 

203 

268 

471 

485 
91 

576 

(105) 

471 

For the year ended December 31 

2020 

2019 

2018 

NIS millions 

NIS millions 

NIS millions 

1,287 

1,345 

1,473 

956 

233 

323 

1,100 

17 

2,629 

(1,156) 

16 

(27) 

(11) 

(1,145) 

3 

(1,148) 

923 

216 

219 

 - 

42 

1,400 

(55) 

17 

(5) 

12 

(67) 

2 

(69) 

Revenue 

Operating expenses 

Operating and general expenses  

Salaries 

Depreciation and amortization 

Impairment loss 

857 

203 

203 

 - 

Other operating expenses (revenue), net 

(15) 

Total operating expenses 

1,248 

Operating profit (loss) 

Financing expenses (revenue) 

Financial expenses 

Financing revenue 

Financing expenses (revenue), net 

Profit (loss) before taxes on income 

Expenses before taxes on income 

Net profit (loss) for the year 

39 

15 

(2) 

13 

26 

2 

24 

117

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to Consolidated Financial Statements as of December 31, 2020 

32. Significant events after the date of the financial statements 

32.1  Share-based remuneration 

On December 10, 2020, Bezeq's Board of Directors approved a capital remuneration plan 
(“the Plan"). As part of the approval, the allocation of up to 58,735,000 options to up to 
117  officers,  executives and  senior employees  of  Bezeq  and its  subsidiaries,  including 
granting 12,000,000 options to the Chairman of the Bezeq Board of Directors and granting 
9,000,000  options  to  Bezeq’s  CEO  and  granting  9,000,000  options  to  the  CEO  of 
Pelephone, DBS and Bezeq International were approved.  

On January 18, 2021, the general meeting of Bezeq shareholders approved the increase in 
Bezeq's  registered  capital  In  order  to  enable  future  allocation  of  capital  remuneration 
under the Plan. In addition, Bezeq’s general meeting approved the granting of options to 
the Chairman of the Board of Directors of Bezeq and the CEO of Bezeq as stated above. 

The fair value of the options granted, which is estimated by an external valuator while 
applying  the  Monte  Carlo  model,  is  approximately  NIS  45  million,  according  to  a 
maturation period of four years and the terms of exercise and maturity of the options as 
set forth in the Plan, in accordance with the terms of exercise and maturity of the options 
as set forth in the Plan (the options include four batches with a maturation period of one 
to four years). Out of this amount, the fair value at the grant date of the options granted to 
the Chairman of Bezeq’s Board of Directors is approximately NIS 9.3 million. The fair 
value  at  the  grant  date  of  the  options  granted  to  the  CEO  of  Bezeq  and  the  CEOs  of 
Pelephone, DBS and Bezeq International is approximately NIS 6.9 million each. 

32.2  Sale of real estate 

On February 25, 2021 Bezeq engaged in an agreement for the sale of a real estate property 
in Tel-Aviv ("The Property"). Bezeq is expected to record in its financial statements for 
the first quarter of 2021 a capital gain in the amount of approximately NIS 125 million 
before tax in respect of the sale of the Property.  

32.3  Examination of a plan for structural change in Bezeq's subsidiaries 

Regarding the decision of Bezeq's Board of Directors dated March 23, 2021 regarding the 
examination of a plan for structural change in Bezeq's subsidiaries, see Note 13.1.2. 

118

 
 
 
 
 
 
 
Separate Financial Information for the Year 
Ended December 31, 2020 

 
 
 
 
 
 
 
 
 
 
Separate financial information as of December 31, 2020 

Table of Contents 

Auditors' report 

Separate financial information 

Financial position data 

Income and comprehensive income data 

Cash flows data 

Notes to the separate financial information 

Page 

2 

3 

4 

5 

6 

2 

 
 
 
 
 
 
 
 
 
 
Somekh Chaikin 
KPMG Millennium Tower  
17 HaArbaa Street P.O.B. 609 
Tel Aviv 6100601 
8000 684  03 

To: 
Shareholders of B Communications Ltd. 

Dear Sirs, 
Re: Special report of the auditors on separate financial information under Regulation 9C of the 
Securities Regulations (Periodic and Immediate Reports), 5730-1970 

 We  audited  the  separate  financial  information  presented  in  accordance  with  Regulation  9C  of  the 
Securities  Regulations  (Periodic  and  Immediate  Reports),  5730-1970  of  B.  Communications  Ltd. 
(hereinafter – “the Company") as of December 31, 2020 and 2019 and for each of the three years the 
last  of  which  ended  on  December  31,  2020.  The  separate  financial  information  is  within  the 
responsibility of the Company's Board of Directors and Management. It is our responsibility to form an 
opinion on the separate financial information based on our audit. 

We conducted our audit in accordance with generally accepted auditing standards in Israel. According 
to these standards, we are required to plan and perform the audit with the aim to obtain a reasonable 
degree of assurance that the separate financial information does not constitute a material misstatement. 
Our audit includes a sample examination of evidence supporting the amounts and details contained in 
the separate financial information. Our audit also includes evaluating the appropriateness of accounting 
policies used and the reasonableness of accounting estimates made by the Company’s Board of Directors 
and  Management,  as  well  as  evaluating  the  overall  adequacy  of  the  presentation  of  the  financial 
statements. We believe that our audit and the reports of the other auditors provide an adequate basis for 
our opinion. 

In our opinion, based on our audit, the separate financial information has been prepared, in all material 
respects, in accordance with the provisions of Regulation 9C of the Securities Regulations (Periodic and 
Immediate Reports), 5730-1970. 

Without limiting our above opinion, we draw attention to what is stated in Note 1 which refers to Note 
1.3  in  the  consolidated  reports,  regarding  the  Securities  Authority’s  investigation  of  a  suspicion  of 
committing offenses under the Securities Law and the Penal Code concerning, inter alia, transactions 
related to the former controlling shareholder and the transfer of the case to the State Attorney's Office, 
as well as what is stated in said note regarding the filing of an indictment against the former controlling 
shareholder  in  the  Company,  for  various  offenses,  including  offenses  of  bribery  and  intentional 
misstatement in an immediate report. As stated in the above note, at this stage, the Company is unable 
to assess the effects of the investigations, their findings and results on the Company as well as on the 
financial statements and estimates used in the preparation of these reports, if any. 

In addition, without limiting our above opinion, we draw attention to what is stated in Note 18 to the 
Company’s consolidated financial statements, regarding claims filed against the Group companies and 
the exposure in respect of which cannot be assessed or calculated at this stage.  

Somekh Chaikin 
Certified Public Accountants 
March 24, 2021 

Somekh Chaikin, Israeli partnership and a member of the KPMG network of independent firms incorporated  u n d e r  
t h e   Swiss entity K P M G   I n t e r n a t i o n a l   C o o p e r a t i v e   ( " K P M G   I n t e r n a t i o n a l " )  

2 

 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
Separate financial information as of December 31, 2020  

Financial position as of December 31 

Note 

NIS millions 

NIS millions 

2020 

2019 

Assets 

Cash and cash equivalents 

Restricted cash  

Short-term investments and bank deposits 

Other receivable 

Total current assets 

Long-term deposits 

Investment in investee companies 

Total non-current assets 

Total assets  

Liabilities 

Trade and other payables  

 Total current liabilities 

Debentures  

Total non-current liabilities 

Total liabilities 

Equity deficit 

Total liabilities and equity deficit  

3.1 

3.2 

4 

5 

55 

- 

157 

23 

235 

160 

1,398 

1,558 

1,793 

7 

7 

1,893 

1,893 

1,900 

(107) 

1,793 

413 

39 

46 

1 

499 

- 

1,135 

1,135 

1,634 

14 

14 

1,861 

1,861 

1,875 

(241) 

1,634 

Darren Glatt 
Chairman of the Board of 
Directors 

Tomer Raved 
CEO 

Itzik Tadmor 
Chief Financial Officer  

Date of approval of the financial statements: March 24, 2021 

The notes attached to the separate financial information form an integral part thereof.

3 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Separate financial information as of December 31, 2020  

Income data for the year ended December 31 

Note 

NIS millions 

NIS millions 

2020 

2019 

Operating expenses 

Salaries 

Operating and general expenses  

7 

Total operating expenses 

Operating loss 

Financing expenses (revenue)  

Financial expenses 

Financing revenue 

Financing expenses (revenue), net 

Profit (loss) after financing expenses, net 

Share in the profits (losses) in equity accounted 
investee, net 

Profit (loss) before taxes on income 

Tax income  

4.1 

Profit (loss) for the year  

Comprehensive profit for the year ended December 31 

Profit (loss) for the year 

Loss items including other, net of tax 

Total comprehensive profit (loss) for the 
year  

3 

8 

11 

(11) 

110 

(6) 

104 

(115) 

265 

150 

7 

157 

4 

12 

16 

(16) 

111 

(188) 

(77) 

61 

(914) 

(853) 

- 

(853) 

2020 

2019 

NIS millions 

NIS millions 

157 

(3) 

154 

(853) 

(9) 

(862) 

The notes attached to the separate financial information form an integral part thereof. 

4 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to separate financial information as of December 31, 2020  

Data on cash flows for the year ended December 31 

2020 

2019 

NIS millions 

NIS millions 

Cash flows from operating activities 

Profit (loss) for the year 

Adjustments: 

Share in losses (profits) of investee companies, net 

Financing expenses, net 

Change in suppliers, trade payables and credit balances 

Change in other trade receivables 

Net cash used for current activities 

Cash flows from investing activities 

Investment in subsidiary 

Deposit to limited cash 

Change in deposits and investments, net 

Interest / dividend received from securities 

Net cash derived from (used for) investing activities 

Cash flows for financing activities 

Issuance of bonds and receipt of loans 

Repayment of bonds and loans 

Receipts from share issue, net 

Interest paid 

Net compensation for the Horev Claim 

Net cash used for financing activities 

Net (decrease) in cash and cash equivalents 

Cash and cash equivalents as of January 1st 

Cash and cash equivalents at the end of the year 

157 

(265) 

106 

(7) 

(1) 

(10) 

(40) 

- 

(229) 

2 

(267) 

- 

- 

- 

(78) 

(3) 

(81) 

(358) 

413 

55 

(853) 

914 

(81) 

- 

2 

(18) 

- 

(39) 

339 

5 

305 

410 

(840) 

447 

(104) 

- 

(87) 

200 

213 

413 

The notes attached to the separate financial information form an integral part thereof 

5 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to separate financial information as of December 31, 2020  

1.  General  

The following are financial data from the Group's consolidated financial statements as of 
December  31,  2020  (hereinafter  -  "Consolidated  Financial  Statements"),  which  are 
published in the periodic reports, attributed to the Company itself (hereinafter - "Separate 
Financial Information"), presented in accordance with Regulation 9C (hereinafter - "the 
Regulation")  and  the  Tenth  Addendum  (hereinafter  –  “the  Tenth  Addendum")  to  the 
Securities Regulations (Periodic and Immediate Reports), 5730-1970 regarding separate 
financial information of the corporation. 

The Separate Financial Information should be read in conjunction with the Consolidated 
Financial Statements. 

In this Separate Financial Information - 

"The Company" - "B Communications Ltd." 

"Affiliated company", "subsidiary", "group", "investee company", "stakeholder": per the 
definition of these terms in the Group's Consolidated Financial Statements for 2020. 

For  an  investigation  by  the  Securities  Authority  and  the  Police,  see  Note  1.3  to  the 
consolidated financial statements. 

2.  Note  to  the  main  accounting  policies  applied  in  the  Separate  Financial 

Information  

The accounting policy rules set forth in the Consolidated Financial Statements have been 
applied consistently to all periods presented in the Separate Financial Information by the 
Company, including the manner in which the financial data in the Consolidated Financial 
Statements have been classified as required by the following: 

2.1. Presentation of the financial data 

The data on the financial position, income, comprehensive income and cash flows 
include information contained in the consolidated statements and attributed to the 
Company  itself.  The  investment  balances  and  results  of  operations  of  investee 
companies are treated according to the equity method. Cash flows from operating 
activities, investing activities and financing activities in respect of transactions with 
investee  companies  are  presented  separately  in  net  terms,  as  part  of  the  relevant 
activity in accordance with the nature of the transaction. 

2.2. Restatement 

At  the  beginning  of  November  2020,  as  part  of  the  preparation  of  the  quarterly 
report  for  September  30,  2020,  Bezeq  International  found  that  there  are 
discrepancies  between  the  assets  and  liabilities  listed  in  its  books  and  the  actual 
assets and liabilities, resulting, among other things, non-imputation of costs from 
previous  years  in  respect  of  payment  of  advances  to  suppliers  to  the  income 
statement and improper recognition of advance expenses. 

6 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to separate financial information as of December 31, 2020  

In  light  of  the  findings  as  stated  above,  the  Company  republished  its  financial 
statements  for  2019  on  December  21,  2020,  in  order  to  retroactively  reflect  the 
effect of correcting the discrepancies as aforesaid. 
Comparative data that are included in these financial statements are the data after 
the representation. 

2.3. New standards that have not yet been adopted 

Regarding  new  standards  that  have  not  yet  been  adopted,  see  Note  3.18  to  the 
Consolidated Financial Statements. 

3.  Note on financial instruments 

3.1. Short-term investments and deposits 

Investments in marketable securities (1) 

Short-term deposits 

(1) The deposits are due for repayment by December 2021. 

3.2. Long-term deposits 

Long-term deposits (1) 

(1) The deposits are due for repayment by December 2021. 

3.3. Trade payables and credit balances  

Institutes  

Interest payable 

7 

December 31, 

December 31, 

2020 

2019 

NIS millions 

NIS millions  

76 

81 

157 

46 

- 

46 

December 31, 

December 31, 

2020 

2019 

NIS millions 

NIS millions 

160 

160 

- 

- 

December 31, 

December 31, 

2020 

2019 

NIS millions 

NIS millions 

- 

7 

7 

7 

7 

14 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to separate financial information as of December 31, 2020  

3.4.  Debentures 

Bonds issued to the public: 
Series C bonds 
Series D bonds 
Series E bonds 
Total Bonds 

December 31, 2020 
Balance  
in books 

Face value 

December 31, 2019 
Balance  
in books 

Face value 

NIS millions 

NIS millions 

NIS millions 

NIS millions 

1,739 
54 
100 
1,893 

1,878 
58 
100 
2,036 

1,708 
53 
100 
1,861 

1,878 
58 
100 
2,036 

On September 17, 2020, the meetings of the holders of the Company’s bonds (Series C 
and E) approved the amendment of the trust deeds of the said series, in a manner that will 
enable the Company to raise additional debt that will be secured by a lien on Bezeq shares 
pledged in favor of Series C, pari-passu with Series C, under the following restrictions: 

a)  The additional debt that will be raised by the Company (less the expenses of 
issuance) will first repay the bonds (Series D) and the bonds (Series E) in full, 
so that after the raising thereof and after completing the conditions required 
for release in exchange for issuing the additional series and amending existing 
liens in favor of Series C, a first level lien will be recorded on the pledged 
Bezeq’s shares (as defined in the trust deed) for the benefit of the bondholders 
(Series C), in lieu of the second level lien currently registered in their favor 
(as long as the bonds (Series E) are in circulation). 

b)  After the full repayment of the debt in respect of the bonds (Series D) and the 
bonds  (Series  E),  the  balance  of  the  proceeds  from  the  net  issue  of  the 
additional debt will be used for the purpose of repayment of the bonds (Series 
C), by early redemption (full or partial), according to the terms of the existing 
trust deed. 

c)  The duration of the new series issued by the Company will be longer than that 
of the bonds (Series C) and the payment of the first principal in respect of the 
bonds from the new series as aforesaid will be only after full repayment of the 
bonds (Series C). 

In addition, the amount of early repayment to be paid to the bondholders in the event 
of early repayment of the bonds by the Company has been amended as follows:  

In relation to the bonds (Series C) - in the case of a partial early repayment of the 
bonds (Series C), the price of the partial early repayment will be the highest of the 
par value of the bonds (Series C) or their market value according to the 30 trading 
days preceding the early repayment. 

In  relation  to  bondholders  (Series  E)  -  the  full  early  repayment  price  will  be  the 
highest of: (1) The market value of the bonds according to the price of the bonds on 

8 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to separate financial information as of December 31, 2020  

the stock exchange in the 30 trading days preceding the early repayment, the early 
repayment price, but not more than 103.5%, or (2) the par value of the bonds (Series 
E).  

For further details, see Note 14 to the Consolidated Financial Statements. 

3.4.  Liquidity risk 

The following are the predicted maturities of financial liabilities, including an 
estimate of interest payments (based on the known interest data as of December 
31, 2020): 

Book 
value 

Contract
ual cash 
flow 

December 31, 2020 

H1/2021  H2/2021 

2022 

2023-2025 

NIS millions 

Non-derivative financial liabilities 
Suppliers trade payables  
Bonds  
Total 

7 
1,893 
1,900 

7 
2,341 
2,348 

7 
32 
39 

- 
39 
39 

- 
78 
78 

- 
2,192 
2,192 

4.  Income taxes 

The Company has final tax assessments until 2018. In December 2020, the Company 
signed  an  assessment  agreement  with  the  tax  authorities  for  the  years  2015-2018, 
according  to  which  the  Company  was  not  required  to  pay  any  tax  for  these  years. 
Following  the  signing  of  the  assessment  agreement,  the  Company  wrote  off  a  tax 
provision in the amount of approximately NIS 7 million in 2020. 

5.  Subsidiaries 

5.1 Subsidiaries held directly by the Company: 

Company rights in 
capital  

Investment in subsidiaries (according to the equity 
method) as of 
  December 31, 2020 
  NIS millions 

December 31, 2019 
NIS millions 

Bezeq  

26.72% 

1,398 

1,398 

1,135 

1,135 

Regarding the registration of impairments in investments in the Group companies, see 
Notes 11.2-11.5 to the Consolidated Financial Statements.  

5.2 Dividends 

9 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to separate financial information as of December 31, 2020  

Details regarding dividends received from subsidiaries: 

For the year ended December 31 

2020 

2019 

2018 

NIS millions 

NIS millions 

NIS millions 

- 

- 

- 

- 

181 

181 

Bezeq  

Total 

6.  Contingent liabilities  

6.1  On  March  30,  2020,  the  Company  reached  a  settlement  regarding  the  derivative 
claim that was filed in July 2016 in the Tel Aviv-Yafo District Court (hereinafter 
"the Horev Claim"). As part of the settlement agreement, during the third quarter of 
2020,  the  Company  received  a  total  amount  of  NIS  22  million  (principal  plus 
accrued  interest)  in  the  Company's  Series  C  bonds  held  by  Internet  Gold  -  Gold 
Lines Ltd. (hereinafter "Internet Gold") in exchange for waiving the derivative claim 
against Internet Gold. In addition, the derivative plaintiff received an amount of NIS 
4.23 million in respect of attorneys' expenses and monetary compensation (which 
were paid out of the NIS 22 million that Internet Gold is required to pay). The net 
amount received by the Company is imputed directly to the Company's shareholders' 
equity under the loss balance item. 

6.2 

In  addition,  on  June  2,  2020,  the  Company  and  the  Company's  former  directors 
signed a settlement agreement as part of the Horev Claim, according to which the 
directors will pay NIS 2.5 million (hereinafter "the Directors' Settlement Amount") 
to the Company to settle all derivative claims in this matter. During July 2020, the 
District Court approved the settlement agreement, and the directors' insurance paid 
the Company the full Directors' Settlement Amount. As part of the settlement, the 
Company paid the derivative plaintiff and his attorney a total of NIS 720,000. The 
net  amount  received  by  the  Company  is  imputed  directly  to  the  Company's 
shareholders' equity under the loss balance item. 

6.3  On March 4, 2020, the Company signed a settlement agreement that settles the class 
action lawsuit filed against the Company in the New York Southern District Court 
in  the  United States  that  was  filed  against  the Company  in  2017.  On  August  10, 
2020, final approval of the settlement was obtained from the Court as part of which 
the settlement payments were made. The Company paid a sum of USD 1.2 million, 
which  was  fully  covered  by  the  insurance  of  the  directors  and  officers  of  the 
Company, which absolved the Company from all claims related to the class action 
by both the plaintiffs and the members of the settlement, without any admission of 
guilt. 

6.4  Regarding  two  motions  for  approval  of  a  class  action  lawsuit  filed  in  June  2017 
against  the  Company  and  against  Bezeq,  see  Note  18.2  (3)  to  the  Consolidated 
Financial Statements. 

10 

 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to separate financial information as of December 31, 2020  

6.5 

6.6 

In November 2020, a lawsuit was filed with a motion for approval as a class action 
by a private individual who claims to be a shareholder of Bezeq ("the Applicant") 
against  the  Company,  Bezeq,  and  members  of  Bezeq's  Board  of  Directors  ("the 
Respondents").  The  matter  of  the  motion  is  the  approval  of  a  class  action  for 
compensation  of  the  Applicant  and  the  members  of  the  represented  group  for 
damages caused to them, according to the motion, "due to Bezeq's failure to report 
and disclose on the Tel Aviv Stock Exchange (hereinafter: "TASE") and concealing 
material information from investors, in connection with a public report "on moves 
by the Ministry of Communications to eradicate the phenomenon of dual subscribers 
in the field of ISP Internet services, on the extensive and substantial scope of the 
phenomenon of dual subscribers in the subsidiary Bezeq International (hereinafter: 
"Bezeq  International")  and  their  material  negative  impact  on  the  subsidiary  and 
Bezeq.  According  to  the  claim  in  the  motion,  the  damage  caused  to  the  group 
members as a result of the incidents that are the subject of the lawsuit amounts to 
approximately  NIS  55  million  to  NIS  65  million,  based  on  an  expert  opinion 
attached to the motion. 

In November 2020, a claim was filed with motion for approval as a class action by 
a private individual ("the Applicant") claiming to be a shareholder of the Company, 
who claims to hold the Company's shares and Bezeq shares, against the Company, 
Bezeq  and  72  other  respondents,  including  former  and  present  officers  in  both 
companies (“the Respondents"). The matter of the motion is the approval of a class 
action for compensation of the Applicant and the members of the represented groups 
for  damages  caused  to  them,  as  alleged  in  the  motion,  as  a  result  of  acts  and 
omissions of the Respondents when they failed to disclose to the investing public 
allegedly  material  information,  that  they  had  to  disclose  in  accordance  with  the 
provisions of the law, in connection with the two companies' report dated November 
9,  2020  that  Bezeq  International's  books  have  unexplained  net  asset  balances 
(receivables minus payables) of tens of millions of NIS, most of which originate, 
probably,  from  past  periods  of  over  15  years.  The  amount  of  the  class  action 
specified  in  the  statement  of  claim  is  "over  NIS  2.5  million  (for  the  purposes  of 
substantive authority)" when in accordance with the economic opinion attached to 
the motion "the estimate of the fall in the price of the security" for the information 
included in the immediate report of November 9, 2020 stands at 5.26%-5.40% in 
relation to Bezeq and 9.07% - 9.36% in relation to the Company. 

6.7  For  more  information  regarding  contingent  liabilities,  see  Note  18  In  the 

Consolidated Financial Statements. 

7.  Events during and after the reporting period  

7.1  On February 13, 2020, a special meeting of the Company's shareholders was held 
at which the terms of employment of the Company's new CEO, Mr. Tomer Raved, 
were approved. As part of the terms of his employment, Mr. Raved was granted 
options  to  purchase  up  to  2,677,362  ordinary  shares  of  the  Company,  which 
constitute  2.25%  of  the  Company’s  issued  and  paid-up  capital  as  of  the  date  of 
commencement of his employment. The vesting period of the options granted to the 
Company's  CEO  is  3  years.  The  expense  recorded  in  the  Company's  books  in 

11 

 
 
 
 
 
Notes to separate financial information as of December 31, 2020  

respect of the options granted to the CEO in the year 2020 amounted to approx. NIS 
280k. 

7.2  On August 26, 2020, the Company announced its intention to delist its shares from 
trading on the Nasdaq Stock Exchange and terminate its reporting obligation to the 
US Securities and Exchange Commission (SEC). The documents required for the 
delisting were submitted on September 9, 2020 and the Company's share ceased to 
be  traded  on  the  Nasdaq  on  the  same  day.  The  termination  of  the  Company's 
reporting obligation on the Nasdaq Stock Exchange began on September 21, 2020, 
on  the  same  day  of  submitting  a  required  document  to  the  US  Securities  and 
Exchange Commission (SEC). 

7.3  On December 10, 2020, the Company acquired 10,580,000 ordinary shares of the 
Bezeq  subsidiary.  The  Company  purchased  such  shares  in  exchange  for  the 
payment of a total amount of approximately NIS 40 million and at an average price 
of NIS 3.78 per share. Following the said acquisition, the Company holds 26.72% 
of  the  issued  share  capital  and  voting  rights  in  the  subsidiary.  The  shares  are 
purchased  when  they  are  clean  and  free  from  any  pledge,  mortgage,  lien, 
foreclosure or any other right of any third party, including any other obligation to 
banks, financial institutions and others. 

12 

 
 
 
Chapter IV 
Additional Details about the Corporation 
And Corporate Governance 
Questionnaire 
For the Period ended December 31, 2020 

- 1-

  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
1.  Regulation  10a:  Condensed  statements  of  consolidated  quarterly  income  for 

each of the quarters in the reported year  
See section 1.3 of the Board of Directors’ report attached in the second part of this 
report.  

2.  Regulation 10c: Use of proceeds from securities  
a.  In  the  reported  period,  the  Company  did  not  offer  securities  according  to  a 

prospectus. 

3.  Regulation 11: List of investments in subsidiaries as of the date of the statement 

of the financial position 

Company 
Name 

Name of 
holder 

Share type  Number of 
shares held 

Total par 
value 

The 
Company 

Ordinary 
NIS 1 

738,953,713 

738,953,713 

Bezeq the 
Israel 
Telecommunic
ation 
Corporation 
Ltd. ("Bezeq") 

Rate of 
holding 
of  the 
issued 
capital 
and 
voting 
rights 
26.72% 

Rate of 
holding of   
the right 
to appoint 
directors 

Value in the 
Company's 
separate 
financial 
statement 
(NIS 
millions) 

26.72% 

1,398 

4.  Regulation  12:  Changes  in  investments  in  subsidiaries  during  the  reported 

period 
of 

Date 
change 

Essence of the change 

December 
10, 2020 

Purchase of additional shares 

Company 
name 

Bezeq 

Reported 
amounts (NIS 
millions) 
40 

5.  Regulation 13: Income of subsidiaries and income of corporation therefrom as 

of the date of the statement of financial position (NIS millions)  

Company name 

Bezeq 

Profit (loss) for the 
period 

NIS 796 million 

Comprehensive 
profit (loss) for 
the period 
NIS 782 million 

Dividend  Managemen

t fee  

Interest 
revenue  

6.  Regulation 20: Trading on the stock exchange  
a.  For the best The Company's knowledge, In the reported period, there was no halt in 

the trading of the Company’s securities listed for trading.  

b.  On  September  9,  2020,  the  Company  announced  its  delisting  of  trading  on  the 
NASDAQ stock exchange.. As of this date, the Company is traded on the Tel Aviv 
Stock Exchange Ltd. only. 

7.  Regulation 21: Remuneration for stakeholders and senior officers 

The following is a breakdown of the remuneration for 2020, as recognized in the 2020 
financial statements, for each of the most remunerated among the senior officers of 
the  Company  or  corporation  under  its  control,  and  which  were  given  thereto  in 
connection with his office. It should be emphasized that the amounts indicated in the 
table are the amounts recognized in the 2020 financial statements, but some of the 
actual  payments  to  some  of  the  officers  include  amounts  recognized  in  previous 
financial statements and some are contingent on the conditions set forth below. 

- 2-

  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Details of remunerated persons 

Remuneration (NIS thousands) 

Total 
(NIS 
thousands) 

Section 
below 

Name 

Position 

Sex 

Tomer Raved 

CEO and 
director 

Itzik Tadmor 

CFO 

Male 

Male 

Ilan Chaikin 

Dudu 
Mizrahi 

Ran Guron 

Internal auditor  Male 
Male 

Bezeq CEO 

Pelephone, 
Bezeq 
International 
and DBS CEO 

male 

Directors 

Director 

Holding 
rate in 
the 
corporati
on’s 
capital 

- 

- 

- 

- 

- 

- 

Job 
volu
me 

Full-
time 
Full-
time 
Full-
time 
Full-
time 

Full-
time 

Full-
time 

Wage1  Bonus2 

Share-
based 
paymen
t 

mther 
(Manage
ment fee) 

Total 

1,421 

 - 

280 

2253 

1,926 

641 

56 

104 

 - 

2,514 

2,695 

2,454 

2,300 

900 

 - 

 - 

 - 

 - 

 - 

 - 

 - 

 - 

 - 

 - 

 - 

745 

56 

5,209 

4,754 

900 

A 

B 

C 

D 

E 

F 

The following is a breakdown of the terms of engagement with the stakeholders and officers 
listed in the table above:  

a.  Tomer Raved 

Mr. Raved has been the CEO and Director of the Company since January 2020. According 
to the employment agreement with him approved at the Company's General Meeting on 
February 13, 2020, Mr. Raved is entitled to to an annual salary according to an employer's 
cost of NIS 1.4 million, including social and ancillary benefits as customary in the Company 
and  in  accordance  with  the  Company's  remuneration  policy  (convalescence  allowance, 
study fund, pension, sick pay, car expenses, vacation days, cell phone, business expenses 
and social security, except for vehicle expenses). 

In  addition,  in  respect  of  his  office  as  a  director,  Mr.  Raved  is  entitled  to  an  annual 
remuneration  and  a  participation  fee  in  the  amount  determined  by  an  external  expert  in 
accordance with the Remuneration Regulations,  as they will be from time to time and  in 
accordance with the Company’s classification at the relevant time, and he is also entitled to 
directors’ remuneration for his office as a director of Bezeq.  

In addition, Mr. Raved will be entitled to be included in the liability insurance  for directors 

1 Regarding senior executives at Bezeq, wage amounts include the cost of wages (employer cost) and the 
ancillary  wage  components,  including  benefits  and  social  conditions,  such  as  coverage  of  telephone 
expenses, a personal vehicle of the type customary in the Group (cost of leasing or depreciation expenses 
and reimbursement of expenses instead of using a company vehicle), study fund (for some of the managers), 
deposit  in  a  pension  fund  and  deposits  due  to  termination  of  employee-employer  relationship  (for 
employees  subject  to  Article  14  of  the  Compensation  Law),  reimbursement  of  expenses  and  quota  of 
vacation  days,  sick  and  annual  convalescence  as  customary,  expenses  for  holiday  gift  to  employee 
(grossing amount), fees for membership in professional organizations paid for the employee' (outside the 
employee's occupation) and also, to the extent that a loan was made to the employee - the value of the 
grossing benefit in the interest that the loan bears.  
2  Regarding senior executives at Bezeq , the bonus amounts listed in the table are as recognized in the 2020 
consolidted statements and include a performance-dependant bonus as well as special bonuses (for details 
regarding each of the officers see details in sections A-F after the table below), all in accordance with the 
companies’ remuneration policy. The performance-dependent bonus that appears in the table is for the year 
2020  (not  yet  paid  to  senior  executives  at  Bezeq  as  of  the  date  of  the  report)  and  includes  a  contingent 
portion  that  will  be  paid  in  practice  to  the  aforementioned  Bezeq  officers  according  to  the  distribution 
described in the notes to the table. During 2020, bonuses were paid to some of the above officers for 2019, 
the amount of which [including a contingent portion not paid in practice in 2020, but paid in practice in 
2021 (if any)] is included in the corresponding table in Bezeq’s annual statements for 2019 (as restated on 
December 21, 2020). 
3 Remuneration for service as a director in the Company and Bezeq. 

- 3-

  
 
 
 
 
 
 
and officers and for indemnification as is customary in the Company, as are all other officers 
in the Company. 

Mr. Raved was granted 2,677,362 unlisted options, exercisable into the Company's shares, 
which as of the date of approval of his employment agreement amount to approximately 
2.25% of the issued and paid-up share capital of the Company. The employment agreement 
with Mr. Raved can be terminated by the Company upon prior notice of up to 6 months. Mr. 
Raved may terminate his employment at any time with 30 days' prior notice. 

b. 

Itzik Tadmor 
As of January 2019, Mr. Tadmor is employed as the Company's CFO. Mr. Tadmor served 
as the Company's Chief Financial Officer (Principal Financial Officer) from May 2015 until 
January 2019. According to the employment agreement with him, Mr. Tadmor is entitled to 
a gross monthly salary of NIS 42 thousand and social and ancillary benefits as customary 
(vacation days, executive insurance, study fund, etc.). In accordance with the employment 
agreement with him, if he continues to work for the Company until December 2023, he will 
be entitled to a retention bonus. He is also entitled to liability insurance for directors and 
officers and indemnification as is customary in the Company, as are all other officers in the 
Company. 

c. 

Ilan Chaikin  
Ilan Chaikin is employed as the internal auditor of the Company. Mr. Chaikin is entitled to a 
fee at a rate of NIS 240 per hour plus VAT. During 2020, Mr. Chaikin was employed in the 
volume  of  200  hours.  For  further  details,  see  section  2.4  of  the  Company's  Board  of 
Directors' report as of December 31, 2020, in Chapter B of te periodic report. 

d.  Dudu Mizrahi  

Employed as CEO of Bezeq as of September 1, 2018, as part of a personal employment 
agreement  dated  October  4,  2018  (in  this  section:  "the  Employment  Agreement").  His 
total monthly salary (gross) is NIS 150,000. The contract is for an unlimited period, with the 
right of each party to bring it to an end at any time with 6 months' prior notice by either party 

Mr. Mizrahi's bonus targets for 2020 as Bezeq's CEO were set in advance by Bezeq's Board 
of Directors in December 2019, following the approval of Bezeq's Remuneration Committee 
and  included:  Adjusted  EBITDA  target4  for  Bezeq  (Solo)  weighing  50%  in  the  bonus 
calculation; Profit after tax target of the Company (solo) weighing 25%; And Coordinated 
Free Flow Target (FCF))5 for Bezeq (Solo) weighing 25%. The threshold conditions for the 
bonus were that  the FFO targets6 for Bezeq (Solo) for 2020 (approximately NIS  1,230.5 
million), will not decrease by more than 20% from the target set in Bezeq’s budget (solo) 
for  2020  (NIS  1,227.7  million)  –  this  condition  was  met.  The  rate  of  Bezeq's  CEO's 
compliance with the set of bonus targets for 2020 was approximately 119.04%. Accordingly, 
the bonus granted to Bezeq's CEO for 2020 is approximately 119.04% of his annual salary. 
Mr.  Dudu  Mizrahi  will  be  entitled  to  40%  of  the  bonus  for  meeting  the  adjusted  EBITDA 
target  for  Bezeq  (Solo)  in  2020  only  in  2022  (after  the  date  of  approval  of  the  financial 
statements for 2021) and only if the minimum adjusted EBITDA target for Bezeq (Solo) is 
achieved in relation to the 2021 budget. It should be noted that after the year of the report, 
Mr.  Dudu  Mizrahi  was  approved,  in  accordance  with  Bezeq's  Remuneration  Policy, 

3 Adjusted EBITDA for the p[urpose of determining remuneration - calculated as EBITDA minus other 
operating expenses / revenue (net), losses / gains from impairment / increase in value (including losses 
from  ongoing  impairment)  and  the  effects  of  the  implementation  of  International  Financial  Reporting 
Standard IFRS16 "Leases". 
4 Adjusted Current Cash Flow (FCF) - calculated as cash arising from current activities less cash for the 
purchase / sale of fixed assets and intangible assets (net), minus payments for leases. 
5 FFO (funds from operation) Sources from activity - calculated as cash flow from operating activities 
(as defined in the Company's annual financial statements) before changes in working capital and before 
changes in other assets and liabilities and minus payments in respect of leases 

- 4-

  
 
 
 
 
payment of a special bonus for 2020 in the amount of NIS 539k (included in the table above 
in  the  bonus  component  for  2020).  This  is  due  to  the  investment  of  exceptional  and 
extraordinary efforts  in  the promotion and  implementation  of  a number  of  Bezeq's major 
projects  and  moves  in  a  number  of  areas,  including  the  promotion  of  Bezeq’s  fiber 
deployment project, promoting a number of significant regulatory moves, a project to deal 
with the COVID-19 crisis that has been carried out with great success, as well as projects 
to recruit and reduce customer churn rates. 

On January 18, 2021, Bezeq's general meeting approved, following the approval of Bezeq's 
Board of Directors dated December 10, 2020, and Bezeq's Remuneration Committee dated 
December 9, 2020, an amendment to Bezeq's remuneration policy and granting 9,000,000 
options to Bezeq's CEO. For details regarding the terms of the options, see the amendment 
report regarding the outline for granting options to Bezeq employees and the report of a 
material private offer from Bezeq dated January 14, 2021 (reference: 20201-01-006340). 
The fair value of the options at the date of granting thereof (calculated in accordance with 
the Monte Carlo model) is approximately NIS 6.9 million. 

e.  Ran Guron 

As of January 1, 2019, his total monthly salary (gross) for his office as CEO of the three 
material subsidiaries of Bezeq: Pelephone, Bezeq International and DBS (in this section, 
collectively: "the Subsidiaries"), amounts to a total of of NIS 15k. The contract is for an 
unlimited period, with the right of each party to bring it to an end at any time with 6 months' 
prior notice by either party. 
Mr. Gurion's bonus targets for 2020 as CEO of the subsidiaries were set in advance by 
Bezeq's Board of Directors in December 2019, after  approval by Bezeq's Remuneration 
Committee and included: Adjusted EBITDA target7 for the subsidiaries weighing 70% in the 
bonus calculation; Payroll expenses of Subsidiaries (net of disocunts) weighing 10%; Free 
cash flow target (FCF)8 adjusted to the Subsidiaries weighing 10%; And a net profit target 
for Subsidiaries weighing 10%. The threshold condition for receiving the bonus was that 
the adjusted EBITDA results9 for subsidiaries for 2020 (NIS 697 million), will not decrease 
by more than 40% of the target determined for this in the Subsidiaries’s budget for 2019 
(NIS  785  million)  –  this  condition  was  met.  The  rate  of  compliance  of  the  CEOs  of  the 
Subsidiaries in the set of bonus targets for 2020 was approx. 93.7%. Accordingly, the bonus 
to be granted to Mr. Guron for 2020 is approx. 93.7% of his annual salary. Mr. Guron will 
be entitled to 40% of the remuneration for meeting the adjusted EBITDA target in 2020 only 
in 2022 (after the date of approval of the 2021financial statements) and only if the minimum 
adjusted EBITDA target set in relation to the budget year 2021 is achieved. It should be 
noted that in the reported year, Mr. Ran Guron was approved, in accordance with Bezeq's 
Remuneration Policy, the payment of a special bonus in respect of the implementation of 
a synergy and streamlining plan in the subsidiaries ("Alpha Plan 1") for 2020 in the amount 
of NIS 603.6k (included in the table above in the bonus component for 2020). This is due 
to the implementation of the Alpha 1  plan - an exceptional, unusual and very significant 
event  involving  an  investment  of  exceptional  effort  by  the  CEO  of  the  Subsidiaries,  and 
bringing significant savings in expenses and value to the Group, preserving the CEO of the 
Subsidiaries  as  a  key  player  in  the  development  of  the  Alpha  1  plan  and  in  order  to 
incentivize him to continue to make exceptional and extraordinary efforts to promote it. In 
addition, the outline of the special bonus is worthy and closely linked to the success of the 
Alpha 1 plan. 

* In light of the correction  of the error in Bezeq International's 2019financial statements, 
there has been a change in the rates of meeting the targets for the annual bonus to Mr. 
Guron in respect of 2019. The amount of the difference between the amount of the bonus 

6 See footnote 3. 
7 See footnote 4. 
8 See footnote 5. 

- 5-

  
 
 
 
 
 
paid in practice for 2019 and the amount of the bonus when calculated according to the 
amended 2019 financial statements is up to NIS 160k. The Company is still examining the 
calculation  of  the  gap  and  the  manner  of  handling  the  bonuses  paid  for  years  whose 
financial statements have been restated. 

On  December  10,  2020,  Bezeq's  Board  of  Directors  and  the  boards  of  directors  of  the 
subsidiaries approved, following the approval of Bezeq's Remuneration Committee dated 
December 9, 2020, the granting of 9,000,000 options to the CEO of the subsidiaries. On 
January 18, 2021, Bezeq's general meeting approved an amendment to the remuneration 
policy  for  Bezeq's  officers,  which  was  a  condition  for  granting  the  options.  For  details 
regarding  the  terms  of  the  options,  see  the  amendment  report  regarding  the  outline  for 
granting options to Bezeq employees and the report of a substantial private offer of Bezeq 
dated January 14, 2021 (reference: 20201-01-006340). The fair value of the options at the 
date of their grant (calculated according to the Monte Carlo model ) is about NIS 6.9 million. 

f.  Directors 

Each director (including the Chairman of the Board) is entitled to an annual remuneration 
and a participation remuneration for each meeting, in the maximum amount, in accordance 
with  the  Company’s  classification  under  to  the  remuneration  regulations.  In  addition, 
directors  with  financial  accounting  expertise,  as  this  term  is  defined  in  the  Companies 
Regulations (Terms and Tests for a Director with Accounting and Financial Expertise and 
for  a  Director  with  Professional  Competence),  5765-2005  are  entitled  to  an  annual 
remuneration to an external expert director as stated in the Remuneration Regulations. In 
addition, the directors are entitled to be included in the arrangement for liability insurance 
of directors and officers and indemnification as is customary in the  Company, as are all 
other  officers  in  the  Company.  In  2020,  remuneration  was  paid  to  the  directors  of  the 
Company  in  accordance  with  the  Remuneration  Regulations  in  the  amount  of  NIS  900 
thousand. 

8.  Regulation 21a: The controlling shareholder in the corporation 

On December 2,  2019, a  debt settlement was completed between the  Company and  its 
bondholders, under which Searchlight II BZQ LP and a corporation controlled by the Forer 
family (TNR Investments Ltd.) acquired control of the Company (and consequently, Bezeq). 
The  company  owns  Bezeq  through  a  company  under  its  full  control  (indirectly)  B 
Communications  (SP2)  Ltd.10  In  this  regard,  see  also  Bezeq's  immediate  report  dated 
December 2, 2019 regarding the Company's announcement of the completion of the said 
transaction,  as  well  as  Bezeq's  immediate  reports  dated  January  2,  2020  regarding 
holdings of stakeholders and those who became stakeholders in the corporation. 

As of the date of completion of the debt settlement as aforesaid, the controlling owners of 
the Company are Searchlight II BZQ L.P, a limited partnership incorporated in the Cayman 
Islands  ("Searchlight")  and  TNR.  Investments  Ltd.  ("TNR"),  a  private  company 
incorporated  in  Israel.  The  final  general  partner  of  Searchlight  is  Searchlight  Capital 
Partners II GP, LLC, a limited liability company incorporated in the State of Delaware, which 
is  held  by  a  number  of  individuals  including  Eric  Zinterhofer,  Erol  Uzumeri  and  Oliver 
Harmaann,  with  the  latter  being  among  the  only  ones  to  receive  the  Company's  control 
permit from the Ministry of Communications. TNR is fully owned and controlled by Mr. David 
Forer (50%) and Mrs. Michal Forer (50%). Searchlight and TNR are considered controlling 
shareholders in the Company by virtue of a control permit dated November 11, 2019 and 
by virtue of a voting agreement between them which confers on them a cumulative holding, 
as of the date of publication of this report, of approximately 72% of the voting rights in the 
Company. 

10 714,169,560 of Bezeq’s shares are owned by B Communications (SP2) Ltd., a private company, 
registered in Israel, which is wholly owned and controlled by B Communications (SP1) Ltd., a private 
company registered in Israel. B Communications (SP1) Ltd. is wholly owned and controlled by the 
Company. In addition to the above, 24,784,153 shares of Bezeq’s shares are directly owned by the 
Company . 

- 6-

  
 
 
 
 
 
 
 
To  the  best  of  the  Company's  knowledge,  the  shareholders'  agreement  between 
Searchlight and TNR includes, among other things, a provision according to which as long 
as  the  holdings  of  an  "Israeli  entity"  in  Bezeq's  controlling  shareholder  are  required, 
Searchlight will grant TNR power of attorney in respect of the amount of shares that will 
allow TNR to vote at the general meetings of the Company, an amount of shares equal to: 
(a) the amount of shares held by TNR on the effective date of the meeting, or (b) the amount 
of  shares  reflecting  19%  of  the  issued  capital  and  voting  rights  in  the  Company  on  the 
effective  date  of  the  meeting,  whichever  is  highest.  To  the  best  of  the  Company's 
knowledge,  the  shareholders'  agreement  includes  additional  provisions,  including  a 
commitment by Searchlight to refrain from voting for the approval of certain issues without 
the consent of TNR. 

For  details  regarding  the  control  permit,  see  section  1.1.4  in  Chapter  A  of  the  periodic 
report. 

9.  Regulation 22: Transactions with the controlling shareholder 
For  details,  to  the  best  of  the  Company's  knowledge,  regarding  any  transaction  with  the 
controlling shareholder in the Company, or such that the controlling shareholder in the Company 
has a personal interest in the approval thereof, which the Company, the companies controlled 
thereby or related thereto entered into in the reporting year or after to the end of the reporting 
year and until the date of submission of this report, or it is still valid at the date of the report, as 
well as for details regarding the Company's negligence procedure, see Note 29 to the financial 
statements. 

10.  Regulation 24: Holdings With Interest And subjects job Senior 

Options 

Capital and voting 
rate 

Capital and voting 
rate (fully diluted) 

The holder 

Number of 
ordinary 
shares 

Searchlight 

69,994,038 

TNR 
Investments 

13,248,905 

- 

- 

Tomer 
Raved 

The 
Company 

- 

2,677,362 

19,230 

- 

60.18% 

11.39% 

- 

- 

58.81% 

11.13% 

2.25% 

- 

It should also be noted that as of December 31, 2020, Michael Clare, a director  of the 
Company,  held  75,000  ordinary  shares  of  Bezeq,  which,  as  of  the  date  of  this  report, 
constitute as 0.003% of the issued and paid-up capital and voting rights in Bezeq. 

11.   Regulation 24a: Registered capital, issued capital and convertible securities 
The  registered  capital  of  the  Company  as  of  the  date  of  publication  of  the  periodic  report  is 
150,000,000  ordinary  shares  of  NIS  0.1  par  value  each  ("Ordinary  Shares").  For  details 
regarding  the convening of a general  meeting to  increase the Company's registered capital, 
see the immediate report dated March 31, 2021 (Reference No. 2021-01-021487). 
The issued and paid-up capital of the Company, as of the date of publication of the periodic 
report,  is  116,316,563  Ordinary  Shares  (excluding  19,230  Ordinary  Shares  held  by  the 
Company and which are dormant). 

- 7-

  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
12.   Regulation 24b: Register of shareholders 

Shareholder name 

Number of shares 

Share type and nominal value 

Bank Hapoalim Listing 
Company 

109,266,213 

Ordinary shares of NIS 0.1 par value 
each. 

American stock transfer 

7,050,350 

Ordinary shares of NIS 0.1 par value 
each. 

13.  Regulation 25a: Registered address of the corporation 
Address: 144 Menachem Begin St., Tel Aviv 
Phone 1: 03-6796101 Fax: 03-6796111 
Email: tomer@bcomm.co.il 

This table lists the directors who serve on the Company's Board of Directors as of the date of 
publication of the report, followed by details of directors who served in the year of the report but 
ended their office before the date of publication of the report.. 

- 8-

  
 
 
 
 
 
 
14.   Regulation 26: The directors of the corporation 
a.  Directors who have served as of the date of publication of the report 

Last  name  and 
first name  

ID number 

Darren Glatt, 

Phil Bacal 

Ran Forer 

Tomer Raved 

Michael Clare 

Efrat Makov 

Stephen Joseph 

Chairman 

549871770  (foreign 

HP037044  (foreign 

066522772 

036864288 

324616648 

023044365 

551988678 

(foreign 

passport) 

passport) 

passport) 

Date of birth 

November 18, 1975  September 

13, 

September 2, 1984 

April 18, 1985 

May 25, 1976 

June 17, 1968 

April 10, 1980 

1985 

Address  for  the 
service  of  court 
documents 

Citizenship 

Education 

16  Abba  Hillel  St., 

16  Abba  Hillel  St., 

2 Haysur St., Ramat 

16  Abba  Hillel  St., 

68B  Herzl 

St.,, 

118  Tamar  Road, 

16  Abba  Hillel  St., 

Ramat  Gan  (with 

Ramat  Gan  (with 

Hasharon  

Ramat  Gan 

(with 

Raanana 4335434 

Moshav 

Ben 

Ramat  Gan 

(with 

Meitar Attorneys) 

Meitar Attorneys) 

Meitar Attorneys) 

Shemen, 73115 

Meitar Attorneys) 

American 

Canadian 

Israeli 

Israeli 

Israeli, British 

Israeli 

British 

BACCY,  George 

MBA  Richard  Ivey 

Degree  in  Law,  IDC 

MBA from New York 

B.A.  In  Psychology 

B.A. 

In  Economics 

BSc  in  Business  and 

Washington 

School  of  Business 

Herzliya,  B.A. 

in 

University 

-  NYU 

and Philosophy from 

and Accounting from 

Financial  Economics 

University 

MBA, 

at  the  University  of 

Management, 

IDC 

Stern  School 

of 

the  University  of 

Tel Aviv University. 

from 

Leeds 

Harvard  Business 

Western Ontario. 

Herzliya,LL.M. 

Business. 

Leeds. 

University, KPMG. 

School 

Commercial 

Law 

(cum laude), Tel Aviv 

University, 

M.Sc. 

General 

Bachelor's degree in 

Law  and  Economics 

from 

Tel 

Aviv 

University. 

- 9-

  
 
 
 
 
 
 
Management, 

Stanford  University, 

Semester  in  Law  at 

Berkeley University 

Occupation 
the  past 
years  

for 
five 

Partner 

in 

the 

Senior  Director  of 

VP 

of  Business 

The Company CEO. 

From 2010 to August 

Jewelry 

Designer 

CFO  and  VP  of 

Searchlight  Capital 

Searchlight  Capital 

Development  at  the 

2019,  Senior  Equity 

(Independent 

Operations  at  Ocean 

Partners  and  head 

Partners. Director in 

Neopharm  Group, 

Director  and  Vice 

Analyst  (Director)  at 

Business) 

Outdoor  Group  (LSE: 

OOUT). 

Outdoor 

media and advertising 

company. 

of 

investments 

in 

Octave 

Group, 

Business 

President 

of 

the 

Citibank Israel Bank 

infrastructure, 

Roots Corporation. 

Development 

Telecom 

and 

communications, 

media 

and 

technology. 

Director  in  Bezeq, 

PatientPoint. 

Previously,  he  was 

also a director at the 

following 

companies: 

Rackspace, Charter 

Communication, 

Ocean 

Outdoor, 

160over90, 

MediaMath. 

Manager  at  Celgene 

Technology Group at 

Investments 

(with 

Corporation. 

RBC 

Investment 

responsibility  for  the 

Bank  in  New  York 

review of companies 

from 

2016-2020. 

in Israel, Greece and 

Investment banker at 

consumer 

UBS  between  2013-

companies 

in 

2016 in New York. 

Russia). 

CEO and Director of 

ABA Science Play 

- 10-

  
 
 
Serves  as  a 
director  in  other 
corporations 

Bezeq, PatientPoint  Octave Group, 

Bezeq 

Bezeq 

Roots Corporation 

Israel  Ltd., 

Minoti 
ABA Science Play 

- 11-

Outdoor 

Outdoor 

Acquisition 

Scp 
Topco Limited,  
Scp Acquisition Midco 
Limited,  
Scp Acquisition Bidco 
Limited,  
Ocean Topo Limited,  
Ocean Bidco Limited,  
Ocean  Outdoor  UK 
Limited,  
Signature  Outdoor 
Limited,  
Mediaco 
Limited,  
Forrest 
Media Limited,  
Forrest 
(Holdings) 
Limited,  
Forrest 
Limited,  
DKTD Media B.V,  
Ngage Media B.V, 
Interbest B.v, 
Global 
Stockholm AB,  
Gudfar& son AB,  
Visual  Art  &  Global 
Agencies 
Sweden 
AB,  
Visual 
Art 
International  Holding 
AB,  
Visual  Art  Sweden 
AB,  

Media 
Limited 

Agencies 

Media 

  
 
 
 
Has  accounting 
and 
financial 
expertise 

Is the director an 
employee  of  the 
corporation,  of 
its  subsidiary,  of 
its 
affiliated 
company or  of  a 
stakeholder 
therein 

Yes 

Yes 

Yes 

Yes 

Yes 

Yes, see details of 

Yes, see details of 

Yes, the director 

Yes, the CEO of the 

No 

occupation in the 

occupation in the 

serves as VP of 

Company 

last five years. 

last five years. 

Business 

Visual  Art  Sweden 
Holding AB,  
Visual  Art  Denmark 
City Reklame A/S,  

Visual Art Norway AS. 

Yes 

No 

Yes 

No 

Development of the 

Neopharm Group, 

whose controlling 

shareholders, David 

and Michal Forer, 

are also controlling 

shareholders of TNR 

Investments Ltd., 

which owns the 

controlling interest in 

your company, B. 

Communications, a 

parent company of 

- 12-

  
 
 
Is  the  director  a 
family  member 
another 
of 
stakeholder 
in 
the corporation 

Membership of a 
or 
committee 
of 
committees 
the  board  of 
directors 

No 

No 

Yes, the director 

No 

No 

No 

No 

the corporation. 

serves as VP of 

Business 

Development and 

officer in Neopharm 

Group, of which his 

parents, David and 

Michal Forer, are the 

controlling 

shareholders and 

TNR Investments 

Ltd., which has a 

joint controlling 

interest in Bee 

Communications, 

the parent company 

of the corporation. 

No 

No 

No 

No 

The  Committee  for 

The  Committee  for 

The  Committee 

for 

the  Examination  of 

the  Examination  of 

the  Examination  of 

Financial 

Financial 

Financial  Statements; 

Statements; 

The 

Statements; 

The 

The Audit Committee; 

Audit 

Committee; 

Audit 

Committee; 

Remuneration 

Remuneration 

Remuneration 

Committee; 

- 13-

  
 
 
No 

No 

No 

No 

No 

No 

Committee; 

Committee; 

Yes 

Yes 

Yes 

Yes 

No 

Yes 

No 

this  board 
an 

Is 
member 
outside director 

Does 

the 

No 

company 

see 

the  director  as 

an 

independent 

director 

- 14-

  
 
 
 
 
b.  Directors who served in the year of the report but ended their office before the date 

of publication of the report: 

During  the  year  of  the  report,  the  director  Shlomo  Zohar  served  in  the  Company  until 
October 29, 2020. In addition, the external director, Debbie Safirya, ended her office in the 
Company on January 20, 2020. 

15.  Regulation 26 A: Senior officers 
This table lists senior officers who serve in the  Company as of the date of publication of the 
report, followed by details of senior officers who served in the Company in the year of the report 
but ended their office before the date of publication of the report.. 

a.  Senior officers who served in the year of the report and as of the date of publication 

of the report 

Name of senior officer 

Itzik Tadmor 

Dudu Mizrahi 

Ran Guron 

Role in the Company, 
subsidiary, affiliate or 
stakeholder 

Chief Financial 
Officer 

Date of birth 

Education 

February 14, 
1980 
BA in 
Accounting and 
Economics, Tel 
Aviv University. 

MBA in 
Business 
Administration, 
Tel Aviv 
University. 

CEO of Bezeq the 
Israel 
Telecommunications 
Corporation Ltd.  

January 28, 1970 

B.A. In Economics, 
The Hebrew 
University of 
Jerusalem 

Main occupations in the last 
5 years and a list of the 
corporations in which he 
serves as a director 

CFO B 
Communications 
Ltd. and Internet 
Gold Lines - 
Gold Ltd. 

Bezeq CEO, Deputy 
CEO and CFO 
Tnuva, CFO Partner 
and CFO and 
Deputy CEO of 
Bezeq 

CEO of the 
subsidiaries 
Pelephone, 
Bezeq 
International 
and DBS 
December 25, 
1968 
B.A. In 
Economics 
and Business 
Administration, 
The Hebrew 
University of 
Jerusalem, 
MBA - 
Business 
Administration, 
The Hebrew 
University of 
Jerusalem 

Deputy CEO 
and VP of 
Marketing at 
the Company, 
CEO of 
Pelephone, 
Bezeq 
International 
and DBS 

Is he a stakeholder in the 
Company or a family member 
of another senior official or 
of another stakeholder in the 
Company 

No 

Yes, a stakeholder 
in the corporation by 
virtue of his office 
as CEO of Bezeq 

No 

16.  Regulation 27: The accountant of the corporation  

Somekh Chaikin, CPA 

- 15-

  
 
 
 
 
 
 
 
 
Address: 17 HaArbaa St.,, KPMG Millennium Tower, Tel Aviv 6473917 
Tel: 03-6848000 

17. Regulation 29 (a): The recommendations and decisions of the directors before the 

general meeting and their decisions that do not require the approval of a general meeting 
in matters specified in Regulation 29(a) 

a.  Regarding exceptional transactions, see Note 29.3 to the financial statements. 
b.  Recommend to the general meeting of shareholders to amend the indemnity letters for the 
Company's officers and directors so that the maximum amount of indemnity is equal to 25% 
of the Company's equity or USD 15 million, whichever is higher. 

18. Regulation 29 (c): Resolutions of a special general meeting  

a.  Approval  of  the  terms  of  employment  of  Mr.  Tomer  Raved  as  CEO  of  the  Company 

(resolution dated February 13, 2020). 

b.  Approval of the renewal of the appointments of Darren Glatt, Phil Bacal, Ran Forer, Stefan 
Joseph, Tomer Raved and Shlomo Zohar as directors of the Company, from April 30, 2020 
until the date of the next annual general meeting (resolution dated April 30, 2020). 

c.  Approval  of  amendment  of  letter  of  commitment  for  indemnification  and  exemption  for 
directors  of  the  Company  who  serve  on  the  date  of  the  notice  convening  the  general 
meeting of the Company's shareholders from March 25, 2020 and / or who will serve in the 
Company from time to time, as specified in the aforesaid notice convening the meeting. 
d.  Approval  of  the  adoption  of  an  insurance  policy  for  directors  and  officers  in  the  form 
specified in the meeting convening report dated March 25, 2020 (resolution dated April 30, 
2020). 

19.  Regulation 29A (4): Exemption, insurance or obligation to indemnify officers  

 For details regarding exemption, insurance or indemnification obligation for officers, See Note 29.6 
to the financial statements.  

  March 24, 2021 
Date 

_______________________________ 
B Communications Ltd. 

Name and role of signatories: 
Tomer Raved, CEO and director 
Itzik Tadmor, CFO 

- 16-

  
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
CORPORATE GOVERNANCE QUESTIONNAIRE 1 

BOARD OF DIRECTORS INDEPENDENCE 

1. 

In each reporting year, two or more external directors served in the corporation. 

This question can be answered "Correct" if the period of time in which two external directors did not 
serve does not exceed 90 days, as stated in Article 363A (b) (10) of the Companies Law, but any answer 
(Correct / Incorrect) must state the period of time (days) in which the corporation did not have two or 
more external directors in the reporting year (including a term of office approved retrospectively, while 
separating between the various external directors): 

Director A: 0. 

Director B: 0. 

The number of external directors serving in the corporation as of the date of publication of this 
questionnaire: 2. 

 Correct 
√ 

Incorrect 

1 Published as part of legislative proposals to improve the statements on March 16, 2014.  

1 

 
 
 
 
 
 
 
2. 

3. 

4. 

The rate2 of independent directors3 serving in the corporation as of the publication of this 
questionnaire: 3/7.  

The rate of independent directors determined In the Articles of Association4 of the corporation5: 
______. 

 Irrelevant (not provided for in the Articles of Association). 

In the reporting year, an examination was conducted with the external directors (and the independent 
directors) and it was found that in the reporting year they complied with the provision of Article 240 (b) 
and (f) of the Companies Law regarding the lack of affiliation of the external (and independent) 
directors serving in the corporation and they meet the conditions required for serving as an external (or 
independent) director. 

All directors who served in the corporation during the reporting year are not subordinated6 to the CEO, 
directly or indirectly (except for a director who is an employee representative, if the corporation has 
employee representation). 

If you answered "Incorrect" (namely, the director is subordinated to the CEO as mentioned) – indicate 
the rate of directors that do not meet the aforesaid limitation: _____. 

_____ 

_____ 

√ 

√ 

2In this questionnaire, "rate" - a certain number out of the total. For example 3/8. 
3 Including "external directors" as defined in the Companies Law. 
4 For the purposes of this question - "Articles of Association" including according to a specific legal provision applicable to the corporation (for example in a banking corporation - the 
directives of the Supervisor of Banks). 
5 A bond company is not required to answer this section. 
6 For the purposes of this question - the very office of a director of a holding corporation controlled by the corporation will not be considered "subordinate", on the other hand, the office of a 
director of a corporation serving as an officer (other than a director) and / or an employee of the corporation controlled by the corporation will be considered "subordinate".  

2 

 
 
 
 
 
 
5. 

6. 

√ 

√ 

All the directors who announced the existence of a personal interest in approving a transaction on the 
agenda of the meeting, did not attend the discussion and did not participate in such vote (except for 
discussion and / or voting in the circumstances under Article 278 (b) of the Companies Law): 

If Your answer is "Incorrect"-  

Was it for the purpose of presenting a particular subject thereby in accordance with the provisions of 
Article 278 (a): 

 Yes 

 No (mark x in the appropriate box). 

Indicate the rate of meetings at which such directors were present at the discussion and / or 
participated in the vote, except in the circumstances as stated in paragraph a: _____. 

1. 
The controlling shareholder (including his relative and / or someone on his behalf), who is not a director 
or other senior officer in the corporation, was not present at the board meetings held in the reporting 
year. 

If your answer is "incorrect" (i.e., a controlling shareholder and / or relative and / or someone on his 
behalf who is not a board member and / or a senior official in the corporation was present at such 
board meetings) - indicate the following details regarding the presence of any additional person at 
board meetings: 

Identity: _____. 

Position in the corporation (if any): _____. 

3 

 
 
 
 
Details of the affiliation to the controlling shareholder (if the person present is not the controlling 
shareholder himself): _____. 

Was it for the purpose of presenting a certain subject thereby:  Yes  No (mark x in the appropriate box) 

The rate of presence7 thereof in meetings of the board of directors that took place in the reporting year 
for the purpose of presenting a certain subject thereby: _____, Other presence: _____ 

Irrelevant (there is no controlling shareholder in the corporation). 

QUALIFICATIONS AND SKILLS OF THE DIRECTORS 

7. 

There are no provisions in the corporation's articles of association that restrict the possibility of 
immediately terminating the office of all directors in the corporation, who are not external directors (in 
this matter - determination by a simple majority is not considered a restriction)8.  

If Your answer is "incorrect" (namely, there is a restriction as mentioned) indicate -   

Correct 
√ 

Incorrect 

7 While separating between the controlling shareholder, his relative and / or someone on his behalf. 

8 A bond company is not required to comply with this section. 

4 

 
 
 
 
 
 
 
 
 
A. 

The period of time stipulated in the articles of association for the term of office of a director: 

B. 

C. 

The required majority set forth in the articles of association for the termination of office of the 
directors: 

A statutory quorum set forth in the articles of association at the general meeting for the purpose 
for the termination of office of the directors: 

8. 

9. 

D. 

The majority required to amend these provisions in the articles of association: 

The corporation prepared a training program for new directors, in the field of the corporation's business 
and in the field of law applicable to the corporation and the directors, and also arranged a follow-up 
program for the training of incumbent directors, adapted, among other things, to the director's position 
in the corporation.  

If your answer is "correct" - indicate whether the program was implemented in the reporting year:  
Yes 

 No (mark x in the appropriate box)  

√ 

A 
A. 

The corporation has a required minimum number of directors on the board of directors who must 
have accounting and financial expertise. 

√ 

If your answer is "correct" – indicate the minimum number determined: 

5 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
B. 

Number of directors who served in the corporation during the reporting year 

With accounting and financial expertise9: 5. See note at the end of the questionnaire. 

With Professional qualifications10: 0. 

In the event of changes in the number of directors as stated in the reporting year, indicate the 
lowest number (except in a time period of 60 days of change) of directors of any type who served 
in the reporting year. 

_________ 

_________ 

10. 

A. 

Throughout the reporting year, the board of directors included members of both sexes. 

√ 

If your answer is "incorrect" – indicate the period of time (days) in which the aforesaid did not 
exist: _____. 

This question can be answered "correct" if the period of time in which directors of both sexes did 
not serve does not exceed 60 days, however in any answer (correct / incorrect), indicate the 
period of time (days) in which directors of both sexes did not serve: _____. 

9 After the evaluation of the board of directors, in accordance with the provisions of the Companies Regulations (conditions and tests for a director with accounting and financial expertise and 
for a director with professional Qualification), 5765-2005. 
10 See Footnote 9.  

6 

 
 
 
 
B. 

The number of directors of any sex serving on the corporation's board of directors as of the date 
of publication of this questionnaire:  

_____ 

_____ 

Men: 6, women: 1.  

BOARD MEETINGS (AND CONVENING A GENERAL MEETING)  

11. 

A. 

Number of board meetings held during each quarter of the reporting year: 

First quarter (2020): 7. 

Second quarter: 4. 

Third quarter: 3. 

Fourth quarter: 4. 

Correct 

Incorrect 

_____ 

_____ 

B. 

Next to each of the names of the directors who served in the corporation during the reporting year, 
indicate the rate11 of participation in the meetings of the Board of Directors (in this paragraph - including 
the meetings of the committees of the board of directors of which he is a member, and as indicated 

_____ 

_____ 

7 

See H.S. 2.

11

 
 
 
  
 
 
 
 
 
 
 
 
 
 
below) that took place during the reporting year (and with reference to term of office): See note at the 
end of the questionnaire. 

(Add lines according to the number of directors).  

Director’s name 

Rate of his 
participation in 
the meetings 
of the board of 
directors 

Rate of 
his 
participa
tion in 
meeting
s of the 
Audit 
Committ
ee 12 

Rate of his participation 
in meetings of the 
Committee for 
Examining the financial 
statements 13   

Rate of his 
participation in 
meetings of the 
Remuneration 
Committee14  

Rate of his 
participation in 
meetings of other  
board of directors 
committees in which 
he is a member 
(indicate the name of 
the committee) 

Darren Glatt 

100% 

Tomer Raved 

100% 

12 Regarding the company director in this committee. 

13 Regarding the company director in this committee. 

14 Regarding the company director in this committee. 

8 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Phil Bacal 

100% 

Ran Forer 

95% 

Stephen Joseph  

95% 

100% 

100% 

100% 

Michael Clare 

100% 

100% 

100% 

100% 

Efrat Makov 

100% 

100% 

100% 

100% 

100% 

Shlomo Zohar 
(served during the 
reporting year 
until October 29, 
2020) 

12. 

1. 

In the reporting year, the board of directors held at least one discussion regarding the management of 
the corporation's business by the CEO and his subordinates, without their presence, and they were given 
an opportunity to express their position. 

√ 

9 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SEPARATION BETWEEN THE FUNCTIONS OF THE CEO AND THE CHAIRMAN OF THE BOARD  

Correct 
√ 

Incorrect 

13. 

Throughout the reporting year, a chairman of the board served in the corporation. 

This question can be answered "correct" if the period of time in which a chairman of the 
board did not serve  in the corporation does not exceed 60 days as stated in Article 363A (2) 
of the Companies Law, but in any answer (correct / incorrect), indicate the period (days) in 
which a chairman of the board did not serve in the corporation as aforesaid: [__]. 

14. 

Throughout the reporting year, a CEO served in the corporation. 

√ 

This question can be answered "correct" if the period of time in which a CEO did not serve in 
the corporation does not exceed 60 days as stated in Article 363A (2) of the Companies Law, 
but in any answer (correct / incorrect), indicate the period (days) in which a CEO did not 
serve in the corporation as aforesaid: [__]. 

10 

 
 
 
 
 
 
 
 
 
 
 
 
15. 

16. 

In a corporation in which the chairman of the board also serves as the CEO of the corporation 
and / or exercises his powers, the duplication of  office is approved in accordance with the 
provisions of Article 121 (c) of the Companies Law15. 

 Irrelevant (if there is no such dual office in the corporation). 

The CEO Is not a relative of the chairman of the board of directors.  

If your answer is "incorrect" (i.e., the CEO is a relative of the chairman of the board)-  

A. 

B. 

Indicate the family relation between the parties: _____. 

The office was approved in accordance with Article 121 (c) of the Companies Law16: 

 Yes 

 No 

(mark x in the appropriate box) 

17. 

A controlling shareholder or his relative does not serve as CEO or senior executive officer in 

the corporation, except as a director.  

 Irrelevant (the corporation has no controlling shareholder). 

_____ 

_____ 

√ 

_____ 

_____ 

√ 

15 In a bond company - approval in accordance with Article 121 (d) of the Companies Law. 
16 In a bond company - approval in accordance with Article 121 (d) of the Companies Law. 

11 

 
 
 
 
 
 
 
 
 
 
 AUDIT COMMITTEE 

18. 

In the reporting year, on the Audit Committee did not serve - 

Correct 
_____ 

Incorrect 
_____ 

A. 

A controlling shareholder or his relative. 

 Irrelevant (the corporation has no controlling shareholder). 

B. 

Chairman of the board of directors. 

C. 

A director employed by the corporation or by the controlling shareholder of the 

corporation or by a corporation under his control. 

D. 

A director who regularly provides services to the corporation or controlling 

shareholder of the corporation or corporation under its control. 

E. 

A director whose main livelihood depends on the controlling shareholder. 

√ 

√ 

√ 

√ 

√ 

12 

 
 
 
 
 
 
 
 
 
 
 
 
 
 Irrelevant (the corporation has no controlling shareholder). 

19. 

A person who is not allowed to be a member of the Audit Committee, including a controlling 

shareholder or his relative, was not present at the reporting year at the meetings of the Audit 

Committee, except in accordance with the provisions of Article 115 (e) of the Companies Law. 

20. 

A legal quorum for discussion and decision-making at all Audit Committee meetings held in 

the reporting year was a majority of committee members, with the majority present being 

independent directors and at least one of them being an external director. 

If your answer is "incorrect" - indicate the rate of meetings in which the said requirement was 

not met: _____.  

21. 

In the year of the report, the Audit Committee held at least one meeting in the presence of the 

internal auditor and the auditor and without the presence of officers of the corporation who are not 

members of the committee, regarding deficiencies in the business management of the corporation.  

22. 

All meetings of the audit committee attended by those who are not allowed to be members of the 

committee, were with the approval of the committee chairman and / or at the request of the 

committee (regarding the legal advisor and the corporation secretary who is not a controlling 

shareholder or his relative).  

√ 

√ 

√ 

√ 

13 

 
 
 
 
 
 
23. 

In the reporting year, arrangements were established by the Audit Committee regarding the manner in 

which the corporation's employees' complaints were handled in connection with deficiencies in the 

conduct of its business and regarding the protection to be given to the employees who complained as 

aforesaid. 

24. 

The Audit Committee (and / or the Committee for the Examination of the Financial Statements) was of 

the opinion that the scope of the auditor's work and his fees in relation to the financial statements in 

the reporting year were adequate for carrying out proper audit and review work. 

√ 

√ 

FUNCTIONS OF THE COMMITTEE FOR EXAMINING THE FINANCIAL STATEMENTS (HEREINAFTER  - THE COMMITTEE) IN ITS 
PRELIMINARY WORK FOR THE APPROVAL OF THE FINANCIAL STATEMENTS  

25. 

A. 

Indicate the period of time (in days) determined by the Board of Directors as a reasonable 

time to submit the Committee's recommendations prior to the discussion of the board of 

directors for approval of the financial statements: 3 days when approving the periodic 

statements and 2 days when approving the quarterly statements. 

Correct 
_____ 

Incorrect 
_____ 

14 

 
 
 
 
 
The number of days that have actually elapsed between the date of the transfer of the 

_____ 

_____ 

B. 

recommendations to the board of directors and the date of the board's discussion: 

First quarter statements (year 2020): 3 Days. 

Second quarter statements: 3 Days. 

Third quarter statements: 0 Days.  

Annual statements: 4 days. 

C. 

The number of days that have elapsed between the date of submission of the draft financial 

statements to the directors and the date of the discussion of the board of directors of the 

approval of the financial statements: 

First quarter statements (year 2020): 5 Days. 

Second quarter statement: 3 Days.  

Third quarter statements: 5 Days.  

Annual statements: 6 Days.  

15 

 
 
 
 
 
 
26. 

The corporation's auditor attended all meetings of the Committee and the board of directors, at which 

the corporation's financial statements relating to the periods included in the reporting year were 

√ 

discussed. 

If your answer is "incorrect", indicate the participation rate: ______  

27. 

In  the  Committee,  all  the  conditions  listed  below  were  met  throughout  the  reporting  year  until  the 
publication of the annual statements: 

_____ 

_____ 

A. 

The  number  of  its  members  was  not  less  than  three  (at  the  time  of  the  discussion  in  the 

Committee and the approval of the statements as aforesaid ). 

B. 

C. 

D. 

E. 

It complied  with all the conditions set  out  in  Article 115 (b) and (c) of the Companies  Law 
(regarding the office of members of the Audit Committee). 

The chairman of the Committee is an external director. 

All its members are directors and most of its members are independent directors.  

All its members have the ability to read and understand financial statements and at least one 
of the independent directors has accounting and financial expertise.  

F. 

Committee members gave a statement prior to their appointments. 

√ 

√ 

√ 

√ 

√ 

√ 

16 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
G. 

The legal quorum for discussion and decision-making in the Committee was the majority of its 
members, provided that the majority of those present were independent directors, including 
at least one external director. . 

√ 

If your answer is "incorrect" regarding one or more of the subsections of this question, indicate in relation 

to which statements (periodic / quarterly) the said condition was not met and the condition that was not 

_____ 

_____ 

met. 

17 

 
 
 
 REMUNERATION COMMITTEE  

Correct 

Incorrect 

28. 

The  committee  consisted  of,  in  the  reporting  year,  at  least  three  members  and  the  external 

directors constituted a majority (at the time of the committee's deliberations). 

 Irrelevant (No discussion took place). 

29. 

The  terms  of  office  and  employment  of  all  members  of  the  Remuneration  Committee  in  the 

reporting  year  are 

in  accordance  with  the  Companies  Regulations  (Rules  regarding 

Remuneration and Expenses for an External Director), 5769-2000. 

√ 

√ 

30. 

In the reporting year, on the Remuneration Committee did not serve - 

_____ 

_____ 

A. 

The controlling shareholder or his relative 

 Irrelevant (the corporation has no controlling shareholder). 

B. 

Chairman of the board of directors. 

√ 

√ 

18 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
C. 

A  director  employed  by  the  corporation  or  by  the  controlling  shareholder  of  the 

corporation or by a corporation under his control. 

D. 

A  director  who  regularly  provides  services  to  the  corporation  or  to  the  controlling 

shareholder of the corporation or to a corporation under his control. 

E. 

A director whose main livelihood depends on the controlling shareholder. 

 Irrelevant (the corporation has no controlling shareholder). 

The controlling shareholder or his relative were not present in the reporting year at the 
meetings of the Remuneration Committee, unless the chairman of the committee determined 
that either of them was required to present a particular subject. 

The Remuneration Committee and the board of directors did not exercise their authority under Articles 
267A (c), 272 (c) (3) and 272 (c1) (1) (c) to approve a transaction or remuneration policy, despite the 
opposition of the general meeting. 

If your answer is "incorrect" indicate - 

Type of transaction approved as stated: ______ 

The number of times their authority was used in the reporting year: ______  

√ 

√ 

√ 

√ 

√ 

31. 

32. 

19 

 
 
 
 
 
 
INTERNAL AUDITOR 

33. 

The chairman of the board or the CEO of the corporation is the organizational supervisor of the internal 

auditor of the corporation. 

34. 

The chairman of the board or the Audit Committee approved the work plan in the reporting year. 

In addition, indicate the audit topics that the internal auditor dealt with in the reporting year: Bezeq 
supervision and enforcement / internal audit. 
(mark x in the appropriate box).  

Correct 

Incorrect 

√ 

√ 

35. 

Scope of employment of the internal auditor in the corporation in the  reporting year (in hours17): 200 

_____ 

_____ 

hours. 

In the reporting year, a discussion took place (in the audit committee or on the board of directors) of the 

√ 

internal auditor's findings.  

17 Including working hours invested in investee corporations and audits outside Israel, and as appropriate, both by the Company's internal auditor and by the internal auditors of the 

Company's subsidiaries. 

20 

 
 
 
 
 
 
 
36. 

The internal auditor is not a stakeholder in the corporation, a relative of such, an auditor or anyone on 

his  behalf,  nor  does  he  maintain  material  business  relationships  with  the  corporation,  its  controlling 

shareholder, or a relative or corporations under their control.  

√ 

STAKEHOLDER TRANSACTIONS 

Correct 

Incorrect 

√ 

37. 

The controlling shareholder or his relative (including a company under his control) is not employed by 

the corporation or provides it with management services. 

If your answer is "incorrect" (namely, the controlling shareholder or his relative is employed by the 

corporation or provides it with management services) indicate - 

- Number of relatives (including the controlling shareholder) employed by the corporation (including 

companies under their control and / or through management companies): 

- Have the employment agreements and / or the management services as aforesaid been approved 

by the organs established by law:  

 Yes  

 No 

21 

 
 
 
 
 
(mark x in the appropriate box) 

 Irrelevant (In a corporation nothing husband control). _____. 

38. 

To the best of the corporation's knowledge, the controlling shareholder has no other business in the 

√ 

corporation's field of activity (in one or more fields). See note at the end of the questionnaire. 

If your answer is "incorrect" - indicate whether an arrangement has been established to delimit 

activities between the corporation and its controlling shareholder. 

 Yes 

 No 

(there is to mark x In the box Appropriate) 

 No relevant (the corporation has no controlling shareholder). 

22 

 
 
 
 
 
 
 
 
 
Closing notes to the questionnaire: 

1.  Meetings of the board of directors (and convening a general meeting) 
Section 11B - It should be noted that in the column on the participation rate in meetings of additional board committees, the reference is to 
permanent board committees only and does not include non-permanent committees established on an ad hoc basis for certain issues. It should 
be noted that in the number of meetings of the board of directors and its committees, the meetings held during the reporting year were taken 
into account, with reference to the term of office of each of the directors on the board and in each of the committees, as the case may be. 

2.  Qualification and skills of the directors 

Section 9B - It should be noted that Shlomo Zohar, who served during the year of the report until October 29, 2020, has accounting and 
financial expertise. 

3.  Stakeholder transactions 
Section 38- Searchlight Group, which owns the company, has holdings in many communications companies around the world (mainly in 
the United States). As stated in section 1.8 of Chapter A of this report, Bezeq Group's strategy as of this date is leading the communications 
market in Israel. 

Chairman of the Board of Directors: ___________  

Chairman of the Audit Committee: ___________ 

Chairman of the Committee for Examining the Financial Statements: ___________ 

23 

 
 
 
 
 
Chapter E  

Report on the Effectiveness of Internal 
Control over Financial Reporting and 
Disclosure for the Year ended December 
31, 2020 

- 1-

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(1)  Report on the internal control over financial reporting and disclosure: 

Annual report on the effectiveness of internal control over financial reporting 

and disclosure pursuant to Regulation 9 (b) a of the Securities Regulations 

(Periodic and Immediate Reports), 5730-1970: 

Management, under the supervision of the Board of Directors of B Communications 

Ltd.  (hereinafter  -  "the  Corporation"  or  "the  Company"),  is  responsible  for 

determining and maintaining adequate internal control over the financial reporting 

and disclosure in the Corporation. 

For this purpose, the members of Management are: 

1.  Tomer Raved, General Manager; 

2. 

Itzik Tadmor, VP of Finance;  

In addition to the said members of Management, serving in the Company are: 

1.  Ilan Chaikin, Internal Auditor; 

2.  Yuval Snir, Comptroller; 

Internal  control  over  financial  reporting  and  disclosure  includes  controls  and 

procedures existing in the Corporation, designed by or under the supervision of the 

CFO and CEO in the field of finance, or by the person actually performing the said 

functions, supervised by the Corporation's Board of Directors, which are intended 

to provide a reasonable degree of assurance regarding the reliability of the financial 

reporting and the preparation of the reports in accordance with the provisions of the 

law, and to ensure that information that the Corporation is required to disclose in 

reports it publishes under the provisions is collected, processed, summarized and 

reported. 

Internal control includes, inter alia, controls and procedures designed to ensure that 

information the disclosure of which by the Corporation is required, is accumulated 

and transmitted to the  Corporation's Management, including the CEO and senior 

executives in the field of finance or to those actually performing the said functions, 

- 2-

 
 
 
 
 
in order to enable decisions with regard to the disclosure requirement to be made 

at the appropriate time. 

Due  to  its  structural  limitations,  internal  control  over  financial  reporting  and 

disclosure is not intended to provide absolute assurance that misrepresentation or 

omission of information in the reports will be avoided or discovered. 

Management, under the supervision of the Board of Directors, performed an audit 

and evaluation of the internal control over the financial reporting and disclosure in 

the Corporation and its effectiveness; 

The evaluation of the effectiveness of the internal control over the financial reporting 

and disclosure carried out by Management under the supervision of the Board of 

Directors included: 

1.  Mapping and identifying the relevant business units, accounts and processes 

which the Corporation considers to be highly material for financial reporting 

and disclosure; 

2.  Examination and updating of reporting and disclosure risks; 

3.  Updating the documentation of the controls that address the identified risks as 

well as documenting new controls; 

4.  Testing and evaluating the effectiveness of the performance of such controls; 

5.  Overall assessment of the effectiveness of internal control 

The  model  of  evaluating  the  effectiveness  of  the  internal  control  over  financial 

reporting and disclosure was based on the following components: 

1.  Entity Level Controls, including controls on the process of preparing and closing 

reports; 

2.  Controls over cash process and debt management. 

Based on the evaluation of the effectiveness carried out by Management under the 

supervision  of  the  Board  as  detailed  above,  the  Board  and  Management  of  the 

- 3-

 
 
 
 
 
corporation  concluded  that  the  internal  control  over  the  financial  reporting  and 

disclosure in the corporation as of December 31, 2020 is ineffective due to material 

vulnerabilities identified in the controls at the organization level and in the process 

of preparing and closing the reports, which led to failure in the proper recognition of 

expenses, as detailed below. 

The following is a detail regarding the material vulnerabilities that exist in internal 

control: 

As part of the preparation of the quarterly report for September 30, 2020 and as 

part of the controls of the process of preparing and closing the financial statements, 

Bezeq  International  Ltd.,  a  subsidiary  of  the  Company  ("Bezeq  International"), 

found  that  there  are  discrepancies  between  the  assets  and  liabilities  listed  in  its 

books and the actual assets and liabilities, which result, among other things, from 

non-imputation of costs from previous years in respect of the payment of advances 

to  suppliers  to  the  income  statement  and  the  improper  recognition  of  advance 

expenses. 

Bezeq  International's  Management  began  an  immediate  investigation  into  the 

matter, including through Bezeq International's Internal Auditor. 

In  November  2020,  Bezeq's  Board  of  Directors  was  updated  on  the  preliminary 

findings of Bezeq International's Internal Auditor, who conducted his examination 

in collaboration  with  Bezeq International's  Security  Division  and  accompanied  by 

an independent external expert. The interim findings revealed, among other things, 

that  over  the  years  there  have  been  professional  errors  (incorrect  handling  and 

accounting records and failures in the manner in which the controls are performed) 

as  well  as  poor  conduct,  possibly  intentional,  on  the  part  of  Bezeq  International 

employees. 

The  total  effect  of  the  corrections  of  the  discrepancies  discovered  in  Bezeq 

International as part of the examinations as of December 31, 2019 was as follows: 

1.  Errors that occurred until 2010 affected the balance of goodwill recognized 

at the time of gaining control of Bezeq. The correction of the goodwill balance 

- 4-

 
 
 
 
 
affected subsequent impairments of cash-generating units recognized by the 

Group. 

2.  The reduction of the Group's capital as of January 1, 2018 in the amount of 

approximately  NIS  103  million  in  respect  of  past  balances  from  the  years 

2002-2017,  with  most  of  the  amount  (approximately  NIS  80  million) 

originating in the years 2002-2003. 

3.  The  reduction  of  the  Group's  profits  (net  tax)  in  the  cumulative  amount  of 

approximately NIS 133 million in respect of the period between January 1, 

2018 and December 31, 2019. 

4.  Following  the  findings  of  the  examination,  Bezeq  International  updated  its 

forecasts  for  the  coming  years  and  performed  an  updated  valuation  as  of 

December 31, 2019, following which an additional impairment loss of NIS 54 

million (NIS 43 million net of tax) was recognized in 2019 as a result of the 

update of the value of the activity and the book value of Bezeq International 

as of December 31, 2019. 

In  light  of  the  findings  of  the  aforesaid  examinations,  the  Company  carried  out 

adjustment of its financial statements as of December 31, 2019 and the year ended 

on the same date by way of restatement, in order to retroactively reflect in them the 

effect of the aforesaid. 

On  November  23,  2020,  Bezeq's  Board  of  Directors  appointed  an  independent 

external auditor (hereinafter: "the External Auditor") for the purpose of an in-depth 

investigation of the issue, including the circumstances that led to the discrepancies 

and the processes and controls that were supposed to prevent them.  

On  February  4,  2021,  the  External  Auditor  presented  his  findings  to  the  Bezeq 

Board  of  Directors,  as  part  of  the  audit  report  prepared  by  him  (hereinafter:  "the 

Audit  Report").  The  following  are  the  main  findings  and  conclusions  as  they 

emerged in the Audit Report: 

1.  Suppliers’ debit balances that were created as a result of direct debit payments 

that were not recorded as expenses in the years 2001-2003 but accumulated 

under a general accounting card. Most of the suppliers’ debit balances found 

are with the parent company Bezeq as a related party. 

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Due to the non-recognition of expenses as aforesaid, expenses were recorded 

during  the  accounting  period  based  on  an  estimated  and  partial  cumulative 

calculation, which did not necessarily correspond to the actual payments made. 

This record was made against the expenses payable card which also served 

as a kind of general accounting card. 

As part of the examination, it was found that during all the years that were the 

subject  of  the  examination,  the  manner  of  presentation  and  analysis  of  the 

suppliers’ item by Bezeq International's Finance Division was performed in net 

terms, thus making it difficult for the Company to control the suppliers' accounts 

payable, as aforesaid. 

In addition, it was found that some of the employees of the Finance Division at 

Bezeq  International  knew  about  the  existence  of  the  unexplained  accounts 

payable but did not act to find out their source and deal with them in real time. 

In addition, said employees did not notify Bezeq International's Management 

and the Auditor of the issue 

2.  Non-recognition of expenses in parallel to revenue in service agreements with 

customers between the years 2018-2019: Registration of expenses in arrears 

due  to  mistakes  made  in  distinguishing  between  the  components  of  the 

agreements and in the manner of recording the expenses. 

3.  Disruption  of  data  presented  to  the  Auditor:  Throughout  several  years,  the 

composition  of the  suppliers  item  was  presented  to the  Auditor  in  net terms, 

without  detailing  any  of  the  balances  created  in  the  accounts  in  the  general 

ledger that made up the net suppliers item. In this way the unexplained debit 

balances were blurred before the Auditor. In addition, throughout several years, 

a deliberate omission of rows (reflecting invoices) was performed on one of the 

supplier accounting cards in order to reflect an alleged adjustment to the net 

supplier balance item presented. 

As  part  of  the  investigation,  it  was  found  that  some  of  the  employees  of  the 

Finance  Division  at  Bezeq  International  knew  and  took  part  in  disrupting  the 

data provided to the Auditor. 

- 6-

 
 
It should also be noted that from the test report and from the samples prepared by 

the  External  Auditor,  no  indications  were  identified  that  raise  suspicion  of  the 

occurrence of an embezzlement incident during the test period1.  

Bezeq  International's  Management,  Bezeq International's  Board of  Directors  and 

Bezeq's Board of Directors performed compensatory actions, tests and procedures, 

investing  considerable  effort  and  resources,  as  detailed  below,  to  ensure  that 

despite  the  material  vulnerability  in  internal  control,  the  reports  are  prepared  in 

accordance with the law: 

1.  Bezeq International recalculated certain balances in the reports on its financial 

position for the years 2016-2019 and for the interim periods for the years 2019 

and  2020  without  relying  on  past  records  and  the  existing  processes  in 

accounting  in  relation  to  the  balance  sheet  items  in  which  the  errors  were 

discovered. 

2.  In order to carry out the work of correcting and restating the reports, the staff of 

the Finance Division at Bezeq International will be added with employees and 

managers  from  the  finance  divisions  of  the  subsidiaries  in  Bezeq  Group.  In 

addition, Bezeq International conducted tests and controls on the recalculation 

of balances with the assistance of an independent external expert. 

3.  As part of the preparation of Bezeq International's financial statements for 2020, 

all  controls  performed  by  Bezeq  International  employees  and managers  who 

were  found  to  be  involved  in  the  incidents  subject  to  the  examination  were 

mapped.  Such  controls  were  reviewed  by  employees  and  managers  in 

subsidiaries of the Bezeq Group, as well as by independent parties with relevant 

professional  skills, 

including, 

inter  alia,  various  external  professional 

consultants. 

4.  Bezeq’s Board of Directors and the Board of Directors of Bezeq International 

have decided to adopt the deficiency correction plan that Bezeq International's 

1 It should be noted that according to the Audit Report, due to the number of accounting entries, lack of 
documentation  and  completeness  in  the  documents  and  lack  of  full  explanations  on  the  subject  by 
employees of the Finance Division in those years who still work at Bezeq, an embezzlement incident can 
not be ruled out unequivocally. 

- 7-

 
 
 
Management  has  begun 

to 

implement,  which  also 

includes 

the 

recommendations of the External Auditor in the Audit Report.  

5.  The Management of Bezeq International and the Company's Board of Directors 

have hired the services of various professional consultants to assist them in the 

process of correcting the deficiencies. 

6.  Bezeq’s Board of Directors authorized the Audit Committee of the Bezeq Board 

of  Directors  to  continue  to  discuss  the  findings  of  the  Audit  Report  and  its 

recommendations, 

including  monitoring 

the 

implementation  of 

the 

recommendations, discussing the implications of audit and control issues and 

examining the need to draw conclusions and take further steps. 

7.  It should be emphasized that the process of correcting the deficiencies has not 

yet  been  completed.  The  Audit  Committee,  Bezeq  International's  Board  of 

Directors  and  Bezeq's  Board  of  Directors  frequently  monitor  the  program  for 

correcting deficiencies and the status of the plan’s progress. Bezeq's Board of 

Directors instructed Bezeq International's Management to continue working to 

correct the material vulnerability as early as possible, and in any case no later 

than the date of the financial statements for Q1/2021. 

Main points of the deficiency correction plan: 

1.  Control environment: 

•  The  Board  of  Directors  of  Bezeq  International  has  decided  to  act  in 

accordance  with  the  law  to  terminate  the  employment  of  a  number  of 

employees in the Finance Division at Bezeq International who were involved 

in the incidents subject to the examination (who are not its officers). 

•  Bezeq  International's  Management  has  decided  on  changes  in  the 

organizational structure of the Finance Division. 

•  Bezeq  International  is  working  to  fill  the  jobs  of  the  employees  whose 

employment  is  expected  to  end.  As  of  the  date  of  approval  of  the  2020 

statements, some of the new employees have begun their employment with 

the Company, but the recruitment process has not yet been completed. 

•  Bezeq International will provide employees of the Finance Division with a 

dedicated periodic refresher training on the subject of the Code of Ethics. 

- 8-

 
 
•  Bezeq 

International  will  work 

to 

improve 

its  anonymous  reporting 

mechanism. 

2.  Processes: 

•  The work processes in which the deficiencies were identified were mapped. 

•  Bezeq International has begun updating the work procedures in which the 

deficiencies  have  been  identified,  including  strengthening  and  expanding 

existing controls and creating new controls.  

•  Bezeq  International  has  begun  developing  new  system  reports  and  is 

expected to make developments in existing reports in order to support the 

updated work processes. 

•  General accounting cards at Bezeq International were canceled and, at the 

same  time,  dedicated  accounting  cards  were  opened.  In  addition,  Bezeq 

International is in the midst of a process of improving all accounting cards. 

•  Bezeq  International  updates  the  working  methods  and  procedures  of  the 

Company's accounting system. 

Disclosure regarding the material discrepancies between the assets and liabilities 

listed  in  Bezeq  International's  books  and  the  actual  assets  and  liabilities  was 

provided for the first time by the Company in an immediate report dated November 

9,  2020.  The  Company  continued  to  update  on  the  subject  as  part  of  additional 

immediate reports released in November and December 2020 and February 2021. 

**** 

Regarding  the  investigations  of  the  Securities  Authority  and  the  Israel  Police  in 

connection with Bezeq, as detailed in section 1.1.7 of the chapter describing the 

business of the corporation in this report, the corporation does not have complete 

information  regarding  these  investigations,  plans,  materials  and  evidence  in  the 

hands of the law authorities in the matter. Accordingly, the corporation is not yet 

able to assess the effects of the investigations, their findings and results on Bezeq 

and the corporation as well as the financial statements and estimates used in the 

preparation of these reports, if any. Upon removal of the restriction on conducting 

examinations  and  inspections  related  to  issues  that  arose  in  the  course  of  the 

- 9-

 
 
 
investigations,  the  examinations  will  be  completed  as  necessary  with  regard  to 

matters that arose in the framework of those examinations. 

- 10-

 
 
 
 
 
(2)  Executive statements: 

a)  Statement of the CEO pursuant to Regulation 9B (d) (1) of the Securities 

Regulations (Periodic and Immediate Reports), 5730-1970: 

I, Tomer Raved, declare that: 

(1) 

I examined the periodical report of B Communications Ltd. (hereinafter – the 

Corporation) for 2020 (hereinafter - "the Reports"); 

(2)  To  my  knowledge,  the  Reports  do  not  include  any  misrepresentation  of  a 

material fact and do not lack a presentation of a material fact necessary so that the 

presentations  included  in  them,  in  light  of  the  circumstances  in  which  those 

representations were included, will not be misleading with respect to the reported 

period; 

(3)  To  my  knowledge,  the  financial  statements  and  other  financial  information 

contained in the Reports adequately reflect, in all material respects, the financial 

position, results of operations and cash flows of the Corporation for the dates and 

periods to which the statements relate; 

(4) 

I  revealed  to  the  Corporation's  Auditor,  the  Board  of  Directors,  the  Audit 

Committee and the committee for examining the Corporation's financial statements, 

based on my most recent assessment of the internal control over financial reporting 

and disclosure: 

(A)  Any  significant  deficiencies  and  material  vulnerabilities 

in 

the 

determination  or  exercise  of  internal  control  over  the  financial  reporting  and 

disclosure that are likely to adversely affect the Corporation's ability to collect, 

process, summarize or report financial information in a manner that casts doubt 

on the financial reporting reliability and preparation of financial statements; and- 

(B)  Any  fraud,  whether  material  or  immaterial,  involving  the  CEO  or  his 

subordinates directly or involving other employees who have a significant role 

in the internal control over financial reporting and disclosure; 

(5) 

I, alone or with others in the Corporation: 

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(A)  Have  established  controls  and  procedures,  or  have  verified 

the 

determination and existence of controls and procedures under my supervision, 

designed  to  ensure  that  material  information  relating  to  the  Corporation, 

including  its  subsidiaries  as  defined  in  the  Securities  Regulations  (Annual 

Financial Statements), 5770-2010, is brought to my attention by others in the 

Corporation and its subsidiaries, in particular during the preparation period of 

the Reports; - 

(B)  Have established controls and procedures, or verified  the determination 

and existence of controls and procedures under my supervision, designed to 

reasonably ensure the reliability of the financial reporting and the preparation 

of  the  financial  statements  in  accordance  with  the  provisions  of  the  law, 

including in accordance with generally accepted accounting principles; 

(C)  Have assessed the effectiveness of the internal control over the financial 

reporting  and  disclosure,  and  presented  in  this  report  the  conclusions  of  the 

Board of Directors and Management regarding the effectiveness of the internal 

control as of the date of the Reports. 

Nothing in the foregoing shall derogate from my liability or the liability of any other 

person, under any law. 

Date: March 24, 2021 

_______________________ 

Tomer Raved, CEO 

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b)  Statement  of  the  most  senior  officer  in  the  field  of  finance  pursuant  to 

Regulation 9B(d)(2) of the Securities Regulations (Periodic and Immediate 

Reports), 5730-1970: 

I, Itzik Tadmor, declare that: 

(1) 

I examined the periodical report of B Communications Ltd. (hereinafter – the 

Corporation) for 2020 (hereinafter - "the Reports"); 

(2)  To  my  knowledge,  the  Reports  do  not  include  any  misrepresentation  of  a 

material fact and do not lack a presentation of a material fact necessary so that the 

presentations  included  in  them,  in  light  of  the  circumstances  in  which  those 

representations were included, will not be misleading with respect to the reported 

period; 

(3)  To  my  knowledge,  the  financial  statements  and  other  financial  information 

contained in the Reports adequately reflect, in all material respects, the financial 

position, results of operations and cash flows of the Corporation for the dates and 

periods to which the statements relate; 

(4) 

I  revealed  to  the  Corporation's  Auditor,  the  Board  of  Directors,  the  Audit 

Committee and the committee for examining the Corporation's financial statements, 

based on my most recent assessment of the internal control over financial reporting 

and disclosure: 

(A)  Any  significant  deficiencies  and  material  vulnerabilities 

in 

the 

determination  or  exercise  of  internal  control  over  the  financial  reporting  and 

disclosure that are likely to adversely affect the Corporation's ability to collect, 

process, summarize or report financial information in a manner that casts doubt 

on the financial reporting reliability and preparation of financial statements; and- 

(B)  Any  fraud,  whether  material  or  immaterial,  involving  the  CEO  or  his 

subordinates directly or involving other employees who have a significant role 

in the internal control over financial reporting and disclosure; 

(5) 

I, alone or with others in the Corporation: 

- 13-

 
 
(A)  Have  established  controls  and  procedures,  or  have  verified 

the 

determination and existence of controls and procedures under my supervision, 

designed  to  ensure  that  material  information  relating  to  the  Corporation, 

including  its  subsidiaries  as  defined  in  the  Securities  Regulations  (Annual 

Financial Statements), 5770-2010, is brought to my attention by others in the 

Corporation and its subsidiaries, in particular during the preparation period of 

the Reports; - 

(B)  Have established controls and procedures, or verified the determination 

and existence of controls and procedures under my supervision, designed to 

reasonably ensure the reliability of the financial reporting and the preparation 

of  the  financial  statements  in  accordance  with  the  provisions  of  the  law, 

including in accordance with generally accepted accounting principles; 

(C)  Have assessed the effectiveness of the internal control over the financial 

reporting  and  disclosure,  and  presented  in  this  report  the  conclusions  of  the 

Board of Directors and Management regarding the effectiveness of the internal 

control as of the date of the Reports. 

Nothing in the foregoing shall derogate from my liability or the liability of any other 

person, under any law. 

Date: March 24, 2021 

_______________________ 

Itzik Tadmor, Chief Financial Officer 

- 14-