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B Communications Ltd.

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Employees 5001-10,000
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FY2021 Annual Report · B Communications Ltd.
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B Communications Ltd. 

Annual Report 2021 

Chapter A – Description of the Corporation’s Business 

Chapter B – Report of the Board of Directors on the State of Affairs of the Corporation Business 

Chapter C – Financial Statements 

Chapter D – Additional details on the Corporation and Corporate Governance Questionnaire 

Chapter E – Report on the Effectiveness of Internal Controls   

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 2021 (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 
IS  NOT  REVIEWED  BY  ANY 
SECURITIES  AUTHORITY  AND 
REGULATORY AUTHORITY. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

Chapter A 

(Description of the Corporation's Business) 

2021 Periodic Report 

ב 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 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 ..................................................................................... 10 

1.3. 

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

1.4.  Dividend distribution............................................................................... 11 

1.5.  Financial information regarding the areas of activity of the Group ......... 12 

1.6.  Forecast in relation to the Group  .......................................................... 18 

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

activities ................................................................................................. 19 

1.8.  Bezeq Group business strategy ............................................................. 32 

1.9. 

Incident outside the scope of the corporation's business ....................... 34 

1.10.  Corporate accountability (ESG) ............................................................. 35 

2.  Bezeq – Interior landline communications 

36 

2.1.  General information about the field of activity ........................................ 36 

2.2.  Products and services ............................................................................ 41 

2.3.  Products and services revenue segmentation ....................................... 44 

2.4.  Customers ............................................................................................. 44 

2.5.  Marketing, distribution and service......................................................... 44 

2.6.  Competition ............................................................................................ 45 

2.7.  Property, plant and equipment and facilities .......................................... 51 

2.8. 

Intangible assets .................................................................................... 56 

2.9.  Human capital ........................................................................................ 56 

2.10.  Equipment and suppliers ....................................................................... 59 

2.11.  Working equity ....................................................................................... 60 

2.12.  Investments ........................................................................................... 60 

2.13.  Funding .................................................................................................. 60 

2.14.  Taxation ................................................................................................. 62 

2.15.  Environmental risks and their ways of management .............................. 62 

2.16.  Restrictions and supervision of Brezeq’s operations ............................. 63 

2.17.  Material agreements .............................................................................. 83 

2.18.  Legal Proceedings ................................................................................. 85 

2.19.  Targets and Business Strategy .............................................................. 92 

2.20.  Discussion of risk factors ....................................................................... 93 

3.  Pelephone - Mobile radio (cellular telephony) 

99 

3.1.  General information about the field of activity ........................................ 99 

3.2.  Services and products ......................................................................... 102 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

3.3.  Products and services revenue segmentation ..................................... 103 

3.4.  Customers ........................................................................................... 104 

3.5.  Marketing, distribution and service....................................................... 104 

3.6.  Competition .......................................................................................... 104 

3.7.  Property, plant and equipment and facilities ........................................ 105 

3.8. 

Intangible assets .................................................................................. 107 

3.9.  Human capital ...................................................................................... 110 

3.10.  Suppliers .............................................................................................. 112 

3.11.  Working equity ..................................................................................... 112 

3.12.  Taxation ............................................................................................... 113 

3.13.  Environmental risks and their ways of management ............................ 113 

3.14.  Restrictions and supervision of Pelephone’s operations ...................... 114 

3.15.  Material agreements ............................................................................ 119 

3.16.  Legal proceedings................................................................................ 119 

3.17.  Targets and business strategy ............................................................. 121 

3.18.  Expected development in the coming year .......................................... 121 

3.19.  Discussion of risk factors ..................................................................... 121 

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

128 

4.1.  General ................................................................................................ 128 

4.2.  Products and services .......................................................................... 129 

4.3.  Revenue .............................................................................................. 130 

4.4.  Customers ........................................................................................... 119 

4.5.  Marketing, distribution and service....................................................... 119 

4.6.  Competition .......................................................................................... 119 

4.7.  Property, plant and equipment and facilities ........................................ 121 

4.8.  Human capital ...................................................................................... 134 

4.9.  Suppliers .............................................................................................. 136 

4.10.  Taxation ............................................................................................... 137 

4.11.  Restrictions and supervision of Bezeq International's activities ........... 138 

4.12.  Legal proceedings................................................................................ 139 

4.13.  Targets, business strategy and development prospects ...................... 128 

4.14.  Discussion of risk factors ..................................................................... 140 

5.  DBS - Multi-channel TV 

145 

5.1.  General information about the field of activity ...................................... 132 

5.2.  Products and services .......................................................................... 135 

5.3.  Revenue from products and services ................................................... 150 

5.4.  Customers ........................................................................................... 150 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

5.5.  Marketing and distribution .................................................................... 151 

5.6.  Competition .......................................................................................... 151 

5.7.  Production capacity.............................................................................. 153 

5.8.  Property, plant and equipment, real estate and facilities ...................... 153 

5.9. 

Intangible assets .................................................................................. 154 

5.10.  Broadcasting rights .............................................................................. 155 

5.11.  Human capital ...................................................................................... 156 

5.12.  Suppliers .............................................................................................. 157 

5.13.  Financing ............................................................................................. 158 

5.14.  Taxation ............................................................................................... 158 

5.15.  Restrictions and supervision of DBS .................................................... 158 

5.16.  Material agreements ............................................................................ 161 

5.17.  Legal proceedings................................................................................ 162 

5.18.  Targets and strategy ............................................................................ 164 

5.19.  Discussion of risk factors ..................................................................... 165 

6.  Appendix A - The Company 

172 

6.1.  Financing ............................................................................................. 172 

6.2.  Legal proceedings................................................................................ 172 

7.  Appendix A - Definitions 

8.  Appendix B - Financial Indices and Key Performance Indicators 

175 

180 

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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 a double listing arrangement. On 
December 2, 2019, the transaction with Searchlight II BZQ LP and a corporation controlled 
by the Forer 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, 5728-1968. ("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 equity 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  for  the  first  quarter  of  2010,  the  Company  consolidates  Bezeq's  financial 
statements in its own financial statements. 

As of the date of this report, the Company holds approximately 26.72% of Bezeq's issued 
and paid-up equity. 

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, the Company 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 this report (March 22, 2022):  

 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

CThe 

ompany

(*)

26.72

Bezeq Israel Telecommunications Corporation Ltd.

Bezeq 
Online

100% 

DBS

100% 

Bezeq 
International

Pelephone

100% 

100% 

 (*) 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.  Control of the Company 

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 
Forer 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 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 gives them 
a cumulative holding, as of the date of publication of this report, of approximately 72% of 

1  As of October 11, 2021, and in accordance with the amendment of the control permit signed on August 22, 2021, 738,953,713 of 
Bezeq’s shares are held directly by the Company, after on that day all the Company's shares held by B. Communications (SP2) Ltd. 
(a company wholly owned and controlled by Bi Communications (SP1) Ltd. which is wholly owned and controlled by the company) 
were transferred to the Company for direct holding. Following the transfer of Bezeq’s shares to the Company, the companies B 
Communications (SP2) Ltd. and B Communications (SP1) Ltd. were closed. 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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 equity 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 Company 2, 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  Forer,  David  Forer,  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: 

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

2     B Communications (SP1) Ltd. and B Communications (SP2) Ltd. It should be noted that as of the date of the report, the Company holds Bezeq 

shares directly. 

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 Forer 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 Forer and David Forer 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 
Forer and David Forer 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. 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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 
therein, 
the 
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; 

42 b. 
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." 

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 

On  November  11,  2019,  Resnik  Paz  Nevo  Trust  Ltd.  was  granted,  as  a  trustee  for 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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  debentures  in  the  framework  of  which  debentures  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, the Company 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. 

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Chapter A (Description of the Corporation's Business) for the 2021 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 12.2 to the 2021 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 Section  2.20.5 and Note 
12.2  to  the  2021  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.  

Structural change in the subsidiaries 

Following on from previous resolutions adopted by Bezeq as well as Bezeq's subsidiaries 

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 2021 Periodic Report 

- Bezeq International and DBS (in this Section: “the subsidiaries") regarding a structural 
change plan in which Bezeq International's private activities were to merge with and into 
DBS, and the spin-off of Bezeq International’s ICT activities into a new company wholly 
owned by Bezeq (“the merger / spin-off plan"). On March 16, 2022, Bezeq's Board  of 
Directors decided, following the resolutions adopted that day by the Boards of Directors of 
Bezeq's  subsidiaries,  to  approve  the  cancellation  of  the  merger  /  spin-off  plan,  and  to 
approve  an  alternative  plan  for  Bezeq's  subsidiaries  to  be  presented  within  60  days, 
according to which Bezeq International's ISP activity in the private segment will be reduced 
following  the  abolition  of  the  separation  between  broadband  infrastructure  service  and 
Internet access service (ISP) (as described in Note 12.3 below), and ISP activity will be 
established  in  DBS  for  the  purpose  of  selling  "triple"  packages  to  customers  (“the 
alternative outline"), while striving to achieve, as far as possible, the strategic, business 
and  economic  purposes  that  formed  the  basis  for  the  resolution  to  promote  structural 
change,  which  were,  among  other  things,  adapting  the  activity  to  the  structure  of  the 
industry and the changing  regulation, focusing on increasing revenues  and growth, and 
increasing the operational synergy and streamlining. 

According to this alternative outline, the business purposes that were at the basis of the 
spin-off / merger plan will be achieved, as DBS is expected to become a "triple" sales arm 
that  combines  fiber  and  television,  and  at  the  end  of  the  move  Bezeq  International  will 
become  a  growth-focused  ICT  company.  In  addition,  this  alternative  outline  has  the 
potential for a significant reduction in Bezeq International's expenses and investments in 
the ISP field in parallel with an accelerated reduction in this activity. 

Bezeq and its subsidiaries of Bezeq are unable to assess, at this stage, whether all the 
conditions required for the implementation of the alternative outline will be met, and when 
they would be met, if they are met, and accordingly there is no certainty that the alternative 
outline will materialize in the manner described above or at all. 

Plan to repurchase the Company's shares 

On November 29, 2021, the Company's Board of Directors approved a plan to repurchase 
the Company's shares in the amount of up to NIS 30 million, which began on December 1, 
2021. For further details, see the Company's report dated November 30, 2021 (Ref.: 2021-
01-104413). 

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  former  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 former 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 
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 

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. 

7 

 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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  1.1.6.3b). 
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.  

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. 

Subsequently, on July 8, 2021, Bezeq and Walla submitted a written argument 
for the hearing. On August 12, 2021, a hearing was held for companies with the 
Deputy  State  Attorney  (Criminal  Enforcement)  and  with  the  team  of  attorneys 
handling the case. As of the date of publication of the report, a decision has not 
yet been made by the State Attorney's Office and the Attorney General regarding 
the filing of an indictment following the allegations raised at the hearing, and the 
companies have not been given an expected date for the decision. 

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 
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).  

8 

 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

1.1.7.3 

1.1.7.4  Bezeq  does  not  yet  have  complete 

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 section 1.1.6.2). 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 
2021 statements.  

information 

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 section 2.18. 

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 2021 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 Telehpone") 

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 section 3 of this report.  

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

services and ICT solutions (“Bezeq International services”) 

Internet  access  services  (ISP),  international  communication  services,  network  endpoint 
services and the provision of ICT solutions. Bezeq International's activities are described 
in section 4 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 section 3 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). 

1.3.  Investments in the corporation's equity 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 1.1.2 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-

9 

 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

up share equity and of the voting rights in Bezeq. 

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

1.4.  Dividend distribution 

1.4.1.  Dividend policy in the company 

The  Company  has  not  distributed  dividends  to  its  shareholders  in  the  last  three  years 
(2019-2021) and as of the date of this report, the Company does not have a valid dividend 
distribution policy. 

1.4.2.  Dividend policy at Bezeq 

on  March  22,  2022,  Bezeq's  Board  of  Directors  decided  to  approve  a  new  dividend 
distribution policy for Bezeq, according to which Bezeq will distribute to its shareholders, 
every six months, a cash dividend of 50% of Bezeq's consolidated financial statements. 
This is starting from the next distribution (for the second half of 2021). The implementation 
of  the  dividend  distribution  policy  is  subject  to  the  provisions  of  any  law,  including  the 
distribution tests set forth in the Companies Law, all taking into account the expected cash 
flow, Bezeq needs and liabilities, Bezeq's cash balances, plans and position, as they will 
be  from  time  to  time,  and  subject  to  the  approval  of  the  General  Meeting  of  Bezeq's 
shareholders  regarding  any  specific  distribution,  as  provided  in  Bezeq's  Articles  of 
Association. 

The approval of Bezeq's dividend policy does not obligate Bezeq to distribute a dividend 
to Bezeq's shareholders, and any specific distribution will be examined in accordance 
with the terms of implementation of the dividend distribution policy as stated above. In 
addition, the approval of the aforesaid policy does not prevent Bezeq's Board of Directors 
from periodically reviewing the policy of distributing dividends to Bezeq shareholders, 
taking into account, inter alia, the provisions of the law, Bezeq's business situation and its 
equity structure and balance, its level of debt and credit rating, and the ongoing 
maximization of value to Bezeq's shareholders through the regular distribution of 
dividends. 

Bezeq's Board of Directors considers it important to maintain the balance between 
ensuring Bezeq's financial strength and stability, while maintaining Bezeq's current rating 
group [AA] over time, and continuing to maximize value for its shareholders through 
regular dividend distribution. 

Bezeq's Board of Directors was presented with, among other things, analysis and results 
of  professional  work  as  performed  by  Professor  Aharon  (Roni)  Ofer,  Bezeq's  and  the 
Bezeq  Group's  forecasts,  as  well  as  sensitivity  analyzes  for  unforeseen  deterioration  in 
Bezeq's and Bezeq Group businesses. After Bezeq's Board of Directors examined all of 
the above, the Board of Directors determined that this decision reflects the correct balance 
between these needs as described above. 

1.4.2.1  Distribution of dividends in Bezeq - Bezeq has not distributed dividends in 
the  last  three  years  (2019-2021).  As  of  the  date  of  the  report,  the  balance  of 
distributable  profits of Bezeq is NIS 1,979  million. Regarding  Bezeq's Board  of 
Directors'  recommendation  to  the  general  meeting  of  Bezeq  shareholders 
regarding the distribution of dividends, see Note 20 to the 2021 statements. 

For this section, see Bezeq's immediate report dated March 23, 2022 regarding 
the dividend policy and the distribution of dividends included in this report by way 
of reference. 

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.  2021 

10 

 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

Lnadline 
interior 
communi
cation 

Cellular 
communic
ation 
(mobile 
radio 
telephone) 

Bezeq 
Internatio
nal 
services 

Multi-
channel 
TV (3) 

Other 

Consolida
ted 

Consolida
tion 
adjustme
nts (2) 

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, 2021 
Total liabilities attributed to the 
area of activity as of December 
31, 2021 

3,845 

2,249 

1,186 

1,270 

337 
4,182 

40 
2,289 

51 
1,237 

- 
1,270 

369 

982 

2,065 

1,265 

723 

492 

369 

942 

2,434 
2,389 

2,247 
2,153 

1,215 
944 

1,311 
1,291 

271 

6 
277 

215 

35 

250 
246 

- 

8,821 

)434(
)434(

- 
8,821 

)506(

)72(

6,951 
6,951 

45 

94 

271 

20 

4 

)434(

- 

2,434 

2,247 

1,215 

1,311 

250 

)506(

6,951 

1,748 

42 

22 

)41(

27 

72 

1,870 

9,245 

4,452 

783 

1,293 

100 

(

1,939
)

13,934 

11,415 

1,753 

566 

474 

37 

(

1,407
)

12,838 

(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 division was made for the purposes of this 
report only. Variable costs are costs that companies have flexibility in managing and controlling in the short term,a s well as their effect 
on direct output, compared to fixed costs that are not flexible in the short term and do not directly affect output (in this regard, up to 
one year). The variable costs included non-recurring expenses (revenue) that were included in the item of other expenses (revenue) 
of each company. 

(2) Details of the adjustments to consolidated - transactions between areas of activity. 

(3) See Notes 10 and 28 in the 2021 statements regarding the neutralization of the impairment loss in the multi-channel television 
segment. The impairment loss in this segment is shown in the adjustments. 

11 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

1.5.2.  2020 

Lnadline 
interior 
communi
cation 

Cellular 
communic
ation 
(mobile 
radio 
telephone) 

Bezeq 
Internatio
nal 
services 

Multi-
channel 
TV (3) 

Other 

Consolida
ted 

Consolida
tion 
adjustme
nts (2) 

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 (loss) 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 

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 

(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 division was made for the purposes of this 
report only. Variable costs are costs that companies have flexibility in managing and controlling in the short term,a s well as their effect 
on direct output, compared to fixed costs that are not flexible in the short term and do not directly affect output (in this regard, up to 
one year). The variable costs included non-recurring expenses (revenue) that were included in the item of other expenses (revenue) 
of each company. 

(2) Details of the adjustments to consolidated - transactions between areas of activity. 

(3) See Notes 10 and 28 in the 2021 statements regarding the neutralization of the impairment loss in the multi-channel television 
segment. The impairment loss in this segment is shown in the adjustments. 

12 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

1.5.3.  2019 

Lnadline 
interior 
communi
cation 

Cellular 
communic
ation 
(mobile 
radio 
telephone) 

Bezeq 
Internatio
nal 
services 

Multi-
channel 
TV (3) 

Other 

Consolida
ted 

Consolida
tion 
adjustme
nts (2) 

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 (loss) 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 

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 Notes 10 and 28 in the 2021 statements regarding the neutralization of the impairment loss in the multi-channel television segment. 

The impairment loss in this segment is shown in the adjustments. 

For  explanations  about  the  developments  in  the  financial  data  presented  In  sections  1.5.1  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").  

13 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic 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 2020 and 2021.  

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

Revenue (NIS millions) 

Operating profit (NIS millions) 

Depreciation and amortization (NIS millions) 

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

Net profit (NIS millions) 

Cash flow from operating activities (NIS millions) 

Payments for investments in property, plant and 
equipment and intangible assets and other 
investments (NIS millions) 

Receipts from the sale of  property, plant and 
equipment and intangible assets (NIS millions) 

Lease payments 

Free cash flow (NIS millions) (2) 

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

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

Outgoing usage minutes (millions)  

Incoming usage minutes (millions) 

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 revenue per Internet subscriber 
(NIS) - retail (ARPU)(8) 

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

Churn rate of telephony subscribers (6) 

2021 

2020  Q4/ 

2021 

Q3/ 
2021 

Q2/ 
2021 

Q1/ 
2021 

Q4/ 
2020 

Q3/ 
2020 

Q2/ 
2020 

Q1/ 
2020 

4,182 

1,748 

4,159 

1,705 

938 

877 

2,686 

2,582 

1,063 

2,024 

1,155 

1,040 

2,106 

910 

1,052 

1,037 

1,039 

1,054 

1,055 

1,042 

1,044 

1,018 

358 

390

407 

593 

356 

446 

464 

439 

245 

603 

206 

593 

244 

239 

629 

219 

567 

314 

231 

638 

238 

354 

285 

223 

816 

400 

510 

312 

225 

581 

216 

600 

237 

222 

668 

300 

561 

272 

218 

682 

229 

334 

201 

212 

651 

295 

611 

200 

273 

146 

87 

4 

- 

182 

119 

1 

19 

7 

116 

111 

1,026 

1,231 

32 

404 

31 

226 

24 

45 

29 

351 

27 

455 

26 

264 

26 

126 

32 

386 

1,583 

1,639 

1,583 

1,602 

1,615 

1,630 

1,639 

1,653 

1,675 

1,693 

47 

50 

46 

46 

47 

49 

50 

51 

51 

48 

3,385 

4,627 

1,524 

3,985 

5,107 

1,556 

811 

782 

827 

965 

1,004 

1,019 

1,079 

883 

1,096 

1,152 

1,095 

1,284 

1,326 

1,368 

1,293 

1,120 

1,524 

1,524 

1,529 

1,540 

1,556 

1,565 

1,571 

1,566 

501 

557 

501 

510 

520 

539 

557 

570 

580 

584 

1,023 

999 

1,023 

1,014 

1,009 

1,001 

999 

995 

991 

982 

106 

99 

109 

107 

106 

103 

102 

100 

98 

98 

129.6 

74.2 

129.6 

104.2 

87.8 

77.7 

74.2 

71.6 

70.4 

69.1 

10.6%

12.5% 

2.8% 

2.4% 

2.6% 

2.8% 

3.2% 

3.4% 

2.7% 

3.2% 

(1)  Operating profit before depreciation and amortization (EBITDA) is a financial index that is not based on generally 
accepted accounting principles. The Company presents this index as another index for evaluating its business 
results since it is an accepted index in the Company’s area of activity which neutralizes aspects resulting from 
variability in capital structure, various taxation aspects and manner and period of amortization of property, plant 
and  equipment  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 the Company’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.  The  Company’s  EBITDA  is  calculated  as  operating  profit  before  depreciation,  amortization  and 
ongoing  losses  from  impairment  of  property,  plant  and  equipment  and  intangible  assets.  For  the  purpose  of 
adequate presentation of economic activity, the Company presents ongoing losses from impairment of property, 
plant  and  equipment  and  intangible  assets  in  DBS  and  Bezeq  International  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 10 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 property, plant and 

14 

 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

equipment. The Company presents free cash flow as an additional index to evaluate business results and cash 
flows,  since  the  Company  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  property,  plant  and 
equipment  and  other  intangible  assets.  For  this  matter  see  section  8  of  the  chapter  on  the  description  of  the 
corporation's business in the 2021 periodic report. 

(3)  Inactive  subscribers  are  subscribers  whose  Bezeq  lines  have  been  physically  disconnected  (excluding  a 
subscriber who has not paid his debt to the Company 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 2021 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 2021 periodic report. 

(7)  Total number of Internet subscribers including retail and wholesale subscribers. Retail – the Company’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 2021 periodic 
report. 

1.5.4.2  Pelephone 

Revenue from services (NIS millions) 

Revenue from the sale of end equipment (NIS 
millions) 

2021 

2020 

1,642 

1,591 

Q4/ 
2021 
424 

Q3/ 
2021 
417 

Q2/ 
2021 
409 

Q1/ 
2021 
392 

Q4/ 
2020 
396 

Q3/ 
2020 
396 

Q2/ 
2020 
394 

Q1/ 
2020 
405 

647 

595 

178 

124 

167 

178 

137 

149 

141 

168 

Total revenue (NIS millions) 

2,289 

2,186 

602 

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 property, plant and 
equipment, 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) 

42 

577 

619 

64 

425 

253 

219 

)47(

)84(

599 

515 

)25(

697 

318 

230 

149 

8 

147 

155 

13 

19 

54 

54 

)89(

541 

22 

144 

166 

23 

185 

68 

52 

65 

576 

15 

144 

159 

20 

149 

60 

53 

36 

570 

)3(

142 

139 

8 

72 

71 

60 

)59(

533 

)36(

151 

115 

)12(

412

80 

48 

113 

545 

)27(

147 

120 

)12(

143 

100 

67 

)24(

535 

)8(

151 

143 

1 

149 

73 

48 

28 

573 

)13(

150 

137 

)2(

164 

65 

67 

32 

2,096 

2,044 

2,096 

2,074 

2,050 

2,030 

2,0

04

671,9

1,9

48

1,9

28

480 

438 

480 

473 

471 

462 

843  

420 

417 

428 

2,576 

2,442 

2,576 

2,547 

2,521 

2,492 

2,4

42

2,

396

2,3

65

2,3

56

54 

56 

55 

55 

54 

53 

55  

65  

65  

58 

Subscriber churn rate (Churn Rate) (4) 

22.9% 

26.9% 

5.8% 

5.5% 

5.8% 

5.8% 

5.9% 

%07.

6.8% 

%27.

(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 

15 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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 
average income from which is significantly lower than the rest of the subscribers. 

(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 2021 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 2021 periodic 
report. 

1.5.4.3  Bezeq International  

2021 

2020 

Q4/ 
2021 

Q3/ 
2021 

Q2/ 
2021 

Q1/ 
2021 

Q4/ 
2020 

Q3/ 
2020 

Q2/ 
2020 

Q1/ 
2020 

Revenue (NIS millions) 

1,237 

1,2

71

328 

287 

310 

312 

Operating profit (loss) (NIS millions) 

Depreciation and amortization (NIS 
millions) 

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

Net profit (loss) (NIS millions) 

Cash flow from operating activities (NIS 
millions) 

Payments for investments in property, 
plant and equipment and intangible 
assets and other investments, net (NIS 
millions) (2) 

Lease payments 

Free cash flow (NIS millions) (1) 

Subscriber churn rate (3) 

22 

173 

)412(

914  

195 

)92(

1 

40 

41 

8 

131 

)752(

302

)5(

)52(

98 

116 

14 

33 

0 

30 

84 

7 

)73(

13 

38 

51 

10 

96 

27 

9 

60 

16 

46 

62 

11 

26 

27 

9 

)10(

)8(

49 

41 

)8(

61 

30 

8 

23 

532  

)22(

26 

315 

)275(

42 

4 

)233(

)13(

75 

21 

7 

47 

)305(

47 

28 

7 

12 

314 

317 

27 

38 

65 

21 

48 

33 

8 

7 

29 

43 

72 

22 

60 

34 

8 

18 

25.3% 

30.2% 

5.9% 

5.5% 

6.0% 

7.9% 

10.2% 

7.2% 

6.1% 

6.7% 

(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. 
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 2021. 

16 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

1.5.4.4  DBS  

2021 

2020 

Q4/ 
2020 

Q3/ 
2020 

Q2/ 
2020 

Q1/ 
2021 

Q4/ 
2021 

Q3/ 
2021 

Q2/ 
2021 

Q1/ 
2021 

Revenue (NIS millions) 

338 

319 

313 

Operating profit (loss) (NIS millions) 

Depreciation, amortization and ongoing 
impairment (NIS millions) 

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

Net profit (loss) (NIS millions) 

Cash flow from operating activities (NIS 
millions) 

Payments for investments in property, plant 
and equipment 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) 

Of which are IP subscribers (3) 

Of which are StingTV subscribers 

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

Subscriber churn rate (4) 

9 

44 

53 

14 

41 

37 

7 

)3(

23 

50 

73 

18 

39 

40 

7 

)8(

18 

50 

68 

16 

69 

38 

6 

25 

556 

557 

556 

53 

44 

72 

48 

94 

56 

195 

190 

187 

317 

)11(

59 

48 

)24(

14 

26 

6 

)18(

557 

120 

64 

186 

315 

315 

318 

322 

1,287 

1,270 

)6(

61 

55 

0 

62 

43 

6 

13 

22 

45 

67 

18 

56 

42 

7 

7 

30 

45 

75 

29 

73 

38 

6 

29 

559 

560 

560 

147 

70 

187 

173 

74 

186 

198 

79 

188 

)14(

52 

39 

203 

32 

203 

38 

242 

235 

)17(

42 

24 

30 

163 

233 

55 

141 

178 

7 

)20(

563 

226 

84 

190 

26 

)4(

26 

29 

557 

563 

120 

64 

190 

226 

84 

188 

5.9% 

4.8% 

5.4% 

4.9% 

4.3% 

3.7% 

3.7% 

3.4% 

21.0% 

15.1% 

(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  number  of  DBS  subscribers  using  Yes+  and  STINGTV  services  transmitted  via  the  Internet  (as  stated  in 
Sections 5.2.2.1 and 5.2.2.2 of the chapter describing the corporation's business in the periodic report for 2021) 
as of the date of publication of the report, is about 250K subscribers (of which, 88K are STINGTV subscribers), 
whioch constitute 44% of all DBS subscribers. This rate also includes subscribers who also use satellite services 
at the same time. 

(4)  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 2021 periodic report. 

(5)  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 2021 periodic report. 

17 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

1.6.  Forecast and short-term ambitions in relation to the Bezeq Group 

1.6.1.  The following is the Group's forecast for 2022 based on the information currently 

known to the Bezeq Group:  

a.  Adjusted net profit10 for shareholders is expected to be in the range between NIS 

1-1.1 billion. 

b.  Adjusted EBITDA11 It is expected to be in the range between NIS 3.6-3.7 billion. 

c.  CAPEX12 It is expected to be in the range between NIS 1.7-1.8 billion. 

Bezeq will report, as required, deviations of ± 5% or more from the ranges specified in the 
forecasts above. 

d.  The  scope  of  the  Company's  fiber  network  deployment  -  reaching  about  1.4 

million households. 

e.  Financial stability - maintaining high credit rating in the AA group. 

1.6.2.  Medium-term ambitions 

a.  Adjusted  EBITDA  -  Stability  while  maintaining  an  adjusted  EBITDA  rate  in 

revenue in the range of 41%-43%. 

b.  CAPEX - until 2024 - stability in CAPEX and in relation to CAPEX's revenues; 

Gradual decline thereafter 

c.  Free cash flow13 - average annual growth (in CAGR terms) at a medium single-

digit rate 

d.  The  scope  of  the  Company's  fiber  network  deployment  -  reaching  about  2.1 

million households 

e.  Financial stability - maintaining high credit rating in the AA group 

The Company does not undertake to update on a regular basis or otherwise its ambitions 
or such or other changes that will apply to the ambitions or actual results in relation to the 
ambitions. 

1.6.3.  Forward-looking information 

The  Company’s  forecasts  and  ambitions  detailed  in  this  section  are  forward-looking 
information, as defined in the Securities Law. The forecasts and ambitions are based on 
Bezeq's  assessments,  assumptions  and  expectation,  and  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 2022 and in the 
medium-term,  as  applicable,  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 2021 
periodic report materialize. There is also no certainty that the forecast or ambitions will 
fully or partially materialize, among other things, in the face of the COVID-19 pandemic 
and the uncertainty as a result thereof. 

Also, with respect to Bezeq ambitions, given that it is a reference to the medium term and 
the difficulty of predicting  Bezeq results and  actual market performance  in the medium 
term, there is no certainty that Bezeq ambitions will fully or partially materialize, and the 
deviation between Bezeq results and actual performance may be significant. Moreover, 
ambitions, by nature, do not purport to be predictions and should not be read as such. 

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 the capital remuneration plan. It should be noted that the adjusted EBITDA 
and the adjusted net profit for 2021 were approximately NIS 3.659 billion and approximately NIS 1.154 million, respectively. 

11 See footnote 10. 

12  CAPEX  -  Payments  (gross)  for  investment  in  property,  plant  and  equipment and  intangible  assets.  It  should  be  noted  that  the 

CAPEX for 2021 was approximately NIS 1.69 billion. 

13 For a definition of free cash flow, see Section 7.2.2. 

18 

 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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 section  1.7.3 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)14. 

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. 

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.  On  this  matter  and  on 
approvals received by Hot see section 2.6.3.5.  

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 
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 

14 

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.  

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combinations of several different communication services. Communication groups market 
communication service packages 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). Following the decision of the Minister of Communications dated 
June 20, 2021 regarding the abolition of the obligation to separate infrastructure service 
and Internet access service, as of April 3, 2022, infrastructure owners Bezeq and Hot will 
be  able  to  provide  private  customers  with  Internet  access  service,  together  with  their 
infrastructure service. 

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. 

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 section 1.8).  

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  The 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  subsidiaries 15.  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 
services to subscribers through the use of wholesale services. In addition, 
the limitations of structural separation cause high overheads. 

1.7.2.2  Abolition of structural separation 

15   Pelephone, Bezeq International, DBS and Bezeq Online. 

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On February 24, 2021, a petition was submitted by Bezeq to the High Court 
of Justice against the Ministry of Communications for immediate cancellation 
of the structural separation in Bezeq Group. The petition was filed after the 
Ministry did not respond to Bezeq's inquiries on the subject, even though, in 
Bezeq's  opinion,  all  the  conditions  that  required  the  cancellation  of  the 
structural separation were met in accordance with the policy document dated 
May  2,  2012  regarding  the  expansion  of  competition  in  the  landline 
communications field - wholesale market ("the Policy Document"). As part 
of  the  procedure,  the  state  submitted  an  interdepartmental  report  for 
examining the update of the structural separation obligations in the Bezeq 
and  Hot  groups  (“the  Report"),  in  which  the  Minister  was  advised  not  to 
cancel the structural separation obligation in the Bezeq and Hot groups at 
this  time.  The  team  also  found  that  certain  changes  can  be  made  to  the 
overall regulation that have the potential to improve the service to the public 
and that will affect the structural separation, including examining a change 
in the separation used in Israel between the infrastructure service and the 
ISP service (for the abolition of separation, see Section 1.7.2.4). 

1.7.2.3  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).  As  of  April  3,  2022  (see  Section  1.7.2.4),  the 
Company will be able to offer private customers infrastructure services in 
addition  to  the  Internet  infrastructure  service,  and  will  not  be  able  to 
market a basket that includes Internet access service with access service 
of a subsidiary or another licensee. 

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 on marketing a shared basket of 
Hot-Net  and  other  companies 
the  Hot  Group.  The  Ministry  of 
Communications has been reducing these restrictions lately). 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. 

from 

On May 23, 2021, the Ministry of Communications notified the Company of the 
rejection of its request dated April 4, 2021 for the marketing of a common basket 
of  services  that  will  allow  it,  among  other  things,  to  provide  the  Company's 
Internet  infrastructure  services  and  DBS  content  services  based  on  landline 
broadband  access.  In  the  opinion  of  the  Ministry,  in  light  of  the  recent 
comprehensive competitive analysis, which is reflected in the recommendations 
of the inter-departmental team to examine the update of the structural separation 
obligations in Bezeq and Hot, it is not yet time to approve a joint basket of services 
as  requested  by  the  Company.  Earlier,  on  February  15,  2018,  the  Company 
responded  to  the  Company's  announcement  regarding  the  intention  to  send 
interested customers a link to the DBS website and expressed its position that 
the marketing of the DBS television on the Internet ("Sting") by the Company is 

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not  in  accordance  with  the  structural  separation  provisions  set  forth  in  the 
Company's license, and the Company does not market DBS’s “Sting” service in 
accordance with the aforesaid. 

1.7.2.4  Marketing a joint basket of Internet infrastructure services along with ISP 

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  bundle16 
marketing  format,  and  especially  the  elimination  of  the  obligation  to  split  the 
bundle after one year and the Company’s ability to contact customers and renew 
the bundle at any time, will be permanently valid. 

Abolition of the separation between broadband infrastructure service and Internet 
access service (ISP): 

Following  the  hearing  that  took  place  on  the  subject,  on  June  20,  2021,  the 
Minister of Communications made a decision at the hearing according to which 
the separation in relation to private customers between broadband infrastructure 
service  and  Internet  access  service  (ISP)  will  be  abolished,  in  the  outline  as 
follows: 

A.  Approval of an agreement that will constitute a shelf offer and regulate key 
performance indices (KPIs) and agreed compensation arrangements in the 
infrastructure cost (Bezeq and Hot) with a requester of access with an ISP 
license and at least 10,000 active customers in the wholesale market. On 
September 19, 2021, the Director General of the Ministry of Communications 
decided that the agreement regulating the key performance indicators (KPIs) 
transferred  by  Bezeq  would  constitute  a  "shelf  offer"  according  to  the 
Minister's  decision,  and  would  apply  to  any  requester  of  access  without 
discrimination. 

B.  A "calibration period" of 3 months during which the infrastructure companies 
and  requester  of  access  will  submit  the  main  performance  indices  to  the 
Ministry  every  month.  On  January  3  ,2022,  the  Director  General  of  the 
Ministry of Communications announced that for Bezeq, the calibration period 
had ended and the preparation period had begun. 

C.  At  the  end  of  the  preparation  period,  the  restriction  on  infrastructure 
providers  offering  Internet  access  service  to  private  customers  (the 
"Effective Day") will be lifted. In accordance with the announcement of the 
Director  General  of  the  Ministry  of  Communications  on  April  3,  2022,  the 
Effective Day will apply to Bezeq, so that from that date the Bezeq will be 
able to offer a unified end-to-end Internet service that includes Internet and 
ISP  infrastructure  (at  this  time,  the  restriction  on  the  sale  of  infrastructure 
and  ISP  products  separately  to  new  private  customers  who  use  Bezeq's 
broadband  infrastructure  will  take  effect,  and  only  customers  who  receive 
service on a Effective Day in a split / semi-split configuration who wish to 
continue  consuming  the  Internet  services  will  continue  to  do  so). 
Subsequently,  on  March  22,  2022,  an  amendment  was  made  to  Bezeq’s 
license that implements the resolution regarding subscribers in the private 
service. 

Bezeq continues to prepare for the provision of an infrastructure service and a 
unified ISP by it from the Effective Day. 

In  Bezeq's  opinion,  the  implementation  of  the  move  according  to  which  the 
Company will offer a unified Internet service from end to end, is expected to have 
a positive effect on its business. As far as Bezeq International is concerned, the 
move is expected to harm its results. The total impact on the Group in the coming 
years is expected to be positive. 

1.7.2.5  Amendment of the terms of the merger of Bezeq and DBS 

16 See Section 4.2.1. 

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For  the  decision  of  the  Commissioner  of  Competition  dated  April  12,  2021 
regarding the amendment of the terms of the merger between Bezeq and DBS 
allowed  Bezeq's  subsidiaries  to  sell  communication  packages  that  include 
Internet infrastructure, Internet provider and television services without having to 
sell  the  television  services  at  a  detachable  price.  Purchasing  packages  -  see 
Section 2.16.8.3. 

1.7.2.6  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 section 5.15.2.  

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.. 

1.7.3.  Regulatory supervision and changes in the regulatory environment - wholesale market  
Starting from 2015, a model of "wholesale market" has been implemented in Israel, in which 
the owners of the nationwide landline access infrastructures in Israel (Bezeq and Hot) have 
been required to allow other communications operators to use their infrastructures 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 
companies 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. A wholesale BSA 
service also exists on Bezeq's fiber infrastructure. 

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 

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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  sections  2.1.8,    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 section  2.7.2. 

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

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 section 2.16.4. 

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

companies in it 

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.  

in 

the 

regime 

regarding  a  change 

On  September  13,  2021,  a  hearing  was  published  by  the  Ministry  of 
Communications 
regarding 
rates 
interconnectivity  payments  (“intrerconnect”)  between 
the  communication 
networks,  according  to  which  there  is  an  intention  to  transfer  the  completion 
segment in calls ending in the networks to a regime according to which each party 
will bear its own costs and no more interconnectivity payments will be transferred 
between the operators regarding call minutes and that there will be no change in 
interconnectivity  rates  for  SMS  messages.  In  order  to  prevent  a  shock  in  the 
affected markets, as is customary in the world and in Israel during a significant 
change in interconnectivity rates, and in order to give companies affected by it a 
sufficient preparation time, the Ministry considers to carry out the change in the 
rates regime after a gradual reduction outline which will last for three years. With 
regard to the international call market - the segment of international outgoing calls 
will be attached to the reduction plan as stated in accordance with the network in 
which the call was made (NIO or cellular) and with regard to international calls 
coming in from abroad, supervision of the completion segment in Israel will be 
removed with the entry into force of the amendment of the relevant regulations. 
On Novemebr 11, 2021, Bezeq submitted its response to the hearing, according 
to  which  in  order  to  allow  fair  competition  in  the  market,  it  is  necessary  to 
immediately  cancel  the  interconnectivity  rates  to  the  cellular  operator  for 
forwarding  a  short  message  message  that  currently  stands  at  0.14  Agorot.  A 
change  in  the  interconnectivity  rates  regime,  as  detailed  in  the  hearing,  is  not 
expected to have a material effect on the Group. 

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 and 
DBS)  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 
17. Cellular 
benefit he would have received if he had not terminated the contract1
operators  (including  Pelephone)  -  are  not  allowed  to  charge  exit  fees  from 

6 F

17   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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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, a judgment was rendered in the Tel Aviv-
Yafo  District  Court  dismissing  motions  for  approval  of  class  actions  against 
certain communication companies, when due to the Ministry of Communications' 
changing position over time and ambiguity on their part, it was determined that a 
class action is not the effective way to resolve the issues. The ruling further stated 
that a number of major flaws (lack of factual infrastructure, lack of consultation 
with the Competition Authority, lack of reasoning, incoherence and failure to hold 
a  hearing)  have  occurred  in  the  method  of  the  Ministry  of  Communications' 
decision (as described above). The verdict was appealed. For further details, see 
Sections 3.16.1b and d, as well as Section 5.17.2a. 

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. In January 2021, 
the  Ministry  of 
Bezeq 
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. 
Further  to  Bezeq  International’s  response,  in  which  it  challenged  the 
financial sanction and the manner of measuring the deviations, the amount 
of the sanction was reduced to NIS 166,000 and it was paid. 

received  a  notification 

International 

from 

On June 30, 2021, the licenses of Bezeq, Pelephone, Bezeq International 
and  the  licenses  of  other  communications  operators  were  amended.  The 
amendment stipulates that the call center for handling subscriber inquiries 
regarding  the  licensee's  services  (which  are  not  inquiries  regarding  a 
malfunction in receiving Bezeq services and loss of cellular equipment) will 
be  staffed  for  45  hours  a  week.  It  is  also  stipulated  that  the  licensee  will 
operate a digital means of communication such as texting or chat, in order 
to receive inquiries regarding the licensee's services, which are not inquiries 
regarding malfunctions and loss of cellular end equipment. This amendment 
does not apply to 24/7 call centers (fault handling centers, etc.) the activity 
of which continues unchanged. On September 2, 2021 the DBS license was 
similarly amended. 

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 

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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). 
Bezeq is in the process of transitioning to the IPv6 protocol in accordance 
with  the  established  milestones,  and  it  does  not  anticipate  a  material 
expense  in  respect  thereof.  Regarding  holders  of  mobile  radio  telephone 
licenses (such as Pelephone), it was determined that the proactive transfer 
will reach 100% within 24 months. Pelephone has completed the process of 
transferring subscribers in its systems in support of the new protocol (except 
for business subscribers who are receiving enterprise network services, for 
which a dedicated solution will be implemented). 

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. 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  Authority  has  published  draft  regulations  for  the  implementation  of  the 
amendment  to  the  law,  according  to  which,  among  other  things,  resellers  will 
contact  twice  a  month  with  a  list  of  customer  numbers  they  are  interested  in 
contacting  and  will  receive  in  return  the  numbers  from  the  list  included  in  the 
database.  On  January  13,  2022,  Bezeq  submitted  its  comments  on  the  draft, 
including the frequency of referrals to the database. The Group companies are 
unable  to assess at  this stage the  effect  of the amendment on their marketing 
and sales ability. The Consumer Protection Authority has issued a memorandum 
of law requesting that it be postponed to October 31, 2022. 

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. 
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 recent 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 

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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 the 
authority to supervise and issue notices of intent to impose financial sanctions on 
Bezeq  in  current  regulatory  matters  (including  the  implementation  of  the 
wholesale  market  BSA  service).  For  the  financial  sanction  imposed  by  the 
Competition  Authority  in  the  matter  of  passive  infrastructure,  see  Section 
2.16.8.5.. 

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,  the  Company  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  the  Company  did  not  supply  thousands  of 
consumers who  purchased a  browsing  package of the type TOP 100 with this 
speed.  The  Company  submitted  its  response  to  the  notification  and  requested 
that the notification be canceled, since they do not give rise to 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 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 
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 

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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. 

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. In January 2022, the Ministry wrote to Bezeq that the approval 
to  provide  a  service  not  through  wired  deployment  is  given  only  in  certain 
localities, that the approval given by the Spectrum Division is for frequency use 
and not approval to provide service by wireless means, and that insofar as Bezeq 
intends to provide service through non-wired infrastructure to other localities, the 
advisory committee should be contacted . Bezeq responded that its license allows 
service to be provided via wireless infrastructure, such as millimeter waves. 

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 dated February 10, 2022 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. On June 20, 2021, the Ministry added 
a  detailed  periodic 
information  requirement  regarding  accessibility  and 
connection  to  optical  fibers  applicable  to  all  license  holders  deploying  fibers 
(general and special), in accordance with uniform parameters and the number of 
subscribers  to  the  service  on  optical  fibers  divided  into  statistical  areas.  In  its 
decision, the Ministry stated that it intends to create an updated database that will 
allow  it  to  monitor  developments  and  changes  in  the  deployment  of  fiber 
infrastructure in Israel. 

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

On January 10, 2022, the Knesset's Economics Committee approved in a second 
and third instances, Communications Bill (Bezeq and Broadcasting) (Amendment 
No.  75)  (Change  in  the  Format  of  Bezeq  Regulation),  5781-2020.  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 Minister may prescribe 
in the general permit regulations conditions, restrictions and obligations that will 
apply to those who are registered, all or some, in accordance with the types of 

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services and their characteristics. In this way, the amendment of the law allows 
any person interested in providing a Bezeq service, to know in advance what the 
conditions  are  for  its  activities,  and  to  start  operating  without  requesting  and 
without obtaining a license. In addition, the Minister may issue an administrative 
order to a person registered in the registry in matters in the authority of whom it 
is to determine in the general permit regulations if he finds that there are special 
reasons that justify giving an individual instruction to the person registered in the 
registry, provided he has given an opportunity to make his claims. In addition, the 
definition of "Bezeq service" subject to the regulation will be changed, to reduce 
the  services  subject  to  the  regulation.  "Bezeq  service"  is  defined  as  a  service 
provided to the general public or part of it through the Bezeq network, which is 
one  of  the  following:  a  data  transmission  service;  Internet  access  service; 
Telephony service; Another service listed in the first addendum (no detail in the 
bill). 

It  is  further  proposed  in  the  bill  that  the  obligation  to  obtain  a  license  will 
nevertheless apply in the case of (a) Bezeq service provided through a mobile-
phone radio system for the purpose of which in accordance with the Order, a radio 
frequency  in  the  field  of  frequencies  presecribed  in  the  Second  Schedule  is 
assigned  to  the  service  provider;  (B)  Bezeq  service  provided  through  a  Bezeq 
network in which the number of users or subscribers or the number of network 
end points or terminals exceeds a number determined by the Minister, except for 
a  Bezeq  service  provided  through  a  Bezeq  network  by  another  authorized 
provider; In this section "use" as defined in Article 5  (a) of the Law; (C) Bezeq 
service provided through a Bezeq network, in which one of the following is met: 
(1) It includes a landline or mobile ground station in Israel for communication with 
satellite; (2) It includes a satellite located at or using the orbit, registered in the 
name of the  State  of Israel in the International Telecommunication Association 
(ITU). (D) Performance of a Bezeq operation at a land Bezeq facility that connects 
a point in Israel and a point outside Israel (except in Judea and Samaria). Also, a 
local authority (including a municipal company or a municipal subsidiary) will not 
provide a Bezeq service whether it requires a  license or registration,, unless it 
has a license and in accordance with the terms of the license; The Minister has 
the  authority  to  determine,  with  the  approval  of  the  Knesset  Economics 
Committee,  additional  Bezeq  services  that  will  require  a  license,  as  well  as 
additional service providers who will be subject to licensing (for certain services 
or for all services they provide), if he sees that in the circumstances, regulation 
by registration is not sufficient to meet one or more of the following considerations: 
(a) Maintaining state security or public peace; (B) Efficient utilization of a scarce 
resource; (c) Promotion of competition. In addition, the Minister may, due to one 
or  more  of  the  considerations  listed  above,  order  a  Bezeq  service  provider 
registered in the registry that the provision of a Bezeq service by it will be subject 
to the receipt of a license for any Bezeq service that it provides or regarding a 
Bezeq service of the type that decided thereby. 

1.7.4.11  Data demand hearing - Consumption of communication services 

On January 17, 2021, 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 
high in volume 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 

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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 
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 targets 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  Decision by hearing regarding licensing for new operators for the provision 
of Internet access infrastructure services – for this matter, see Section 2.6.3.6. 

1.7.4.13  Inactive subscribers 

On  September  10,  2020,  the  Ministry  of  Communications  contacted  the 
(including  Bezeq,  Pelephone  and  Bezeq 
telecommunications  operators 
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 and Note 10.6 to the 2021 statements. 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. 

1.7.4.14  Hearing - Preparations for the management of cyber defense 

On August 11, 2021, the Ministry of Communications issued a hearing regarding 
the  amendment  of  the  licenses  of  the  communications  companies  (including 
licenses  of  Group  companies)  and  the  determination  of  instructions  regarding 
preparations  for  the  management  of  cyber  defense.  The  main  points  of  the 
proposed  amendment  deal,  among  other  things,  with  the  protection  of  the 
communications  network;  Maintaining  the  relevance  and  up-to-dateness  of 
systems; Dealing with the licensee with cyber incidents; And situations in which 
the licensee is required to report and share information. Bezeq, Pelephone and 
Bezeq International submitted their position as part of the hearing procedure. 

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 2021 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.18, 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 

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

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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 sections 2.16.3.7,  3.14.2 and 5.15.1.7.  

1.7.5.2  Restrictions under agreements- Bezeq undertook to certain financiers in 
an undertaking not to encumber its assets unless, at the same time, it creates in 
favor of those financing bodies a lien of the same type, rank and amount (negative 
lien), subject to certain exceptions. see also Note 13.3 to the 2021 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 
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 
section 2.20.10), 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.  The  effects  of  the  COVID  epidemic  on  the  Group's  activities  in  2021  were 
mainly reflected in the damage to Pelephone's revenues from roaming services, as a result 
of the effects of the epidemic's spread to the aviation and international tourism segments, 
without significant negative effects in other areas of activity. Although the distribution of the 
vaccine and the reduction of restrictions on travel abroad supported a certain recovery in 
Pelephone's revenues from roaming services during the year, these have not yet returned 
to the level of activity that characterized them before COVID. In addition, the global chip 
shortage and disruptions  in the supply chain cause,  among  other things, shortages and 
difficulties in the supply of, and sometimes price increases in, equipment from the Group's 
main suppliers,. The Group companies are taking various meaures in light of the aforesaid 
to reduce the harm to their activities. 

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. 

Bezeq’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. 

For the purposes of this section, see also section __ of the Board of Directors’ Report and 
Note 1.4 to the 2021 statements. 
For this matter, see also the description of the risk factors in all areas of activity in sections  
2.20.13, 3.19.1.2, 4.14.5 and 5.19.1.4. 

1.7.7.  Additional regulatory developments during the reporting period and the main 

restrictions that apply to the Group's areas of activit – for a description on such 
matters, see Sections 2.16, 3.14, 4.11 and 5.15.  

1.8.  Bezeq Group Business Strategy 

Group vision  

Bezeq Group – the largest, leading telecommunications group in Israel, will lead and promote the 
digital revolution in Israel, through advanced infrastructure and services for the private and business 
segments, and strive for continuous improvement in its business results. 

Group strategy 

1.8.1. Strategic focus - focus on building infrastructure and growth engines 

A.  Accelerated deployment of fiber optics and the transition to a unified Internet package will 

constitute a growth engine in Bezeq Fixed Lines. 

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B.  Bezeq International's private segment Internet activity will be reduced, and ISP activity will 
be established in DBS, which will become the "triple" sales arm that combines fiber and 
television. 

C.  Pelephone will leverage the transition to 5G to increase revenue and ARPU. 

D.  Bezeq International will become a growth-focused ICT company. 

1.8.2. Focusing growth strategy by theaters 

A.  Communication, information and content services for households - investing and focusing 
efforts on growing and strengthening the competitive position in the theater, by offering as 
wide a basket of services as possible and deepening the penetration of households. 

B.  Business communication services - maintaining and strengthening the leading position in 
the  theater  through  offering  value-added  to  customers,  based  on  quality  service  and 
advanced products. 

C.  Cellular services - maintaining and strengthening the competitive status, while striving to 

increase revenues and improve profits. 

D.  ICT services for businesses - investment in building capabilities that will enable significant 

growth. 

1.8.3. Additional strategic moves 

The Group will work to locate investments in areas that are tangent and complementary to the 
Group's activities and its competitive capabilities. Initiated investment and acquisition activity 
will enable shareholders to increase their return by entering areas of higher growth than that of 
the activity in the Group's traditional core areas. The diversification of the portfolio will allow for 
the diversification of risk, and the reduction of dependence on regulatory risks. 

Beyond the strategic moves, the Group strives to strengthen the foundations that will enable 
continued growth in the medium term - striving for operational excellence through expanding 
the digital transformation,  streamlining the cost base, improving market response times and 
flexibility  for  changes,  realizing  synergies  in  subsidiaries  and  striving  to  eliminate  structural 
separation. 

Optimal cash flow management – maximizing value to shareholders, while maintaining an AA 
Group  credit  rating  -  the  Group  aims  to  maintain  high  credit  rating  in  the  AA  group  while 
adjusting the debt repayment burden to self-generating cash flow and maintaining significant 
liquidity, while returning dividends to shareholders. 

In addition, the Bezeq Group strives to be one of the leading companies in the field of ESG. 

This  section  includes  forward-looking  information,  within  the  meaning  thereof  under  the 
Securities Law, including forecasts, targets, business strategy, assessments, aspirations and 
estimates, both regarding the activities of Bezeq and the companies held by it and the markets 
in  which  they  operate,  as  well  as  any  other  information  relating  to  future  events  or  matters 
whose  materialization  is  uncertain  and  not  under  the  control  of  the  Company  ("forward-
looking information"). Although the Company believes that the information is forward-looking 
based  on  reasonable  estimates,  the  said  information  is  subject  to  certain  risks  and 
uncertainties. Forward-looking information is inherently subject to risks of non- materialization 
and  is  uncertain,  and  the  Company  does  not  in  any  way  guarantee  that  its  assessments, 
expectations, aspirations and objectives will be materialize in practice. Accordingly, forward-
looking  information  should  not  be  construed  as  a  promise  that  it  will  actually  materialize. 
Implementation and / or other changes in forward-looking information depend on factors that 
are not necessarily known in advance, and are not necessarily under the Company's control, 
including risk factors and the nature of its operations, developments in the general environment 
and  external  factors and regulation affecting  its activities and other factors. The results  and 
achievements of the Bezeq Group in the future may differ materially from those presented in 
the forward-looking information presented in this section. 

1.8.4. Streamlining moves and promoting the assimilation of synergies between subsidiaries 

Bezeq’s  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 

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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 sections  
2.19,  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 
section 5.19. 

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 in 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  examiner19  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. After 
rediscussing 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. 

Accordingly,  at  the  request  of  Bezeq's  Audit  Committee,  the  external  examiner  presented 
complementary work findings to the Audit Committee, and subsequently received the Bezeq Board's 
recommendations from the Audit Committee, mainly in implementing period controls and analyzes 
that Bezeq International must perform as part of the financial statements. Adoption of a professional 
standard  for  executives  engaged  in  controls,  and  their  work,  in  Bezeq  and  in  each  of  its  material 
subsidiaries, as well as conferring supervisory and control powers on Bezeq Accounting Division on 
the  work  of  finance  and  accounting  employees  in  each  of  the  subsidiaries'  financial  statements; 
Adoption of certain tests for the purpose of increasing the effectiveness of super-controls (entity-level 

19 An investigation team from the firm of Fahn Kanne & Co. headed by CPA Mickey Blumenthal. 

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controls) in Bezeq as well as in each of its significant subsidiaries; As well as recommendations for 
examining and improving Bezeq and Bezeq International's contracts with external service providers. 

For further details on this matter, including the details of the effect of the discrepancy corrections on 
the Group's equity 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. Also, regarding legal proceedings related to this matter see Section  2.18.2. 

Up to the date of the current report, Bezeq International's Management, Bezeq International's Board 
of  Directors  and  Bezeq's  Board  of  Directors  have  carried  out  various  operations,  inspections  and 
compensatory procedures, while investing many efforts and resources to strengthen Bezeq's internal 
control. The deficiency correction plan, which was adopted by Bezeq's Board of Directors and Bezeq 
International's Board of Directors, also includes the recommendations of the external examiner. For 
some  of  the  actions,  the  companies  used  the  services  of  various  professional  consultants.  The 
process of strengthening internal control at Bezeq International is still ongoing. 

For this section, see also Chapter E of the 2021 statements. 

1.10. Corporate accountability (ESG) 

On February 24, 2022, Bezeq's Board of Directors approved the expansion of its activity in the field 
of corporate accountability (ESG), following Bezeq's existing activity in the field. In this context, the 
Board  of  Directors  approved  a  sustainability  vision  for  Bezeq  -  "Bezeq  connects  Israel  to  a 
sustainable future", as well as setting ESG targets, including long-term targets that include reducing 
net greenhouse gas emissions to zero by 2050 (Net zero 2050); Increasing the rate of representation 
of  women  in  the  management  ranks  of  Bezeq  employees  to  50%  by  2030  (in  Bezeq's  Board  of 
Directors  -  at  least  40%);  Increasing  the  rate  of  diversified  populations  to  20%  by  2030.  Bezeq's 
Board  of  Directors  also  approved  the  establishment  of  Bezeq's  corporate  responsibility  policy 
documents on various issues that will be brought individually for discussion and approval by Bezeq's 
Board of Directors. 

Bezeq sees great importance in further promoting and expanding its activities in the field of ESG, 
and  it  will  continue  to  operate  in  this  field  from  a  corporate-social-environmental  perspective  that 
promotes the use of Bezeq's areas of activity and capabilities for a sustainable future. 

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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 section 2.16.4). 

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 section  1.7.2 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 section 2.16.8.  

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 section  2.16.8). 

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 section  2.15.2), 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 2020 and 2021, 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 period20:  

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  2021,  the 
number  of  wholesale  Internet  subscribers  on  the  Company’s  network  was 
approximately 501K subscribers, constituting  approximately 33%  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 the Company’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 section 2.16.4.  

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 

20   For details of the data as well as subscrber definitions and average revenue, 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  86%  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 2021, there was a decrease of about 3% 
in the number of Bezeq subscribers compared to 2020. 

Diagram - Rate of households without a landline telephone line21  

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 2021, Bezeq estimates that there 
will  be  a  2%  increase  in  the  number  of  landline  Internet  subscribers  in  Israel 
compared to 2020. In 2021, there was a 2% decrease in the number of Bezeq 
Internet subscribers (retail and wholesale) compared to 2020. In 2021, there was 
an increase in Internet subscribers through fiber optic infrastructures of competing 
companies.  Bezeq  began  marketing  the  200Mb  speed  in  November  2020  to 
potential  customers  using  VDSL35B  technology.  In  March  2021,  Bezeq  also 
began  marketing  fiber  services  at  rates  of  up  to  600  Mbs,  1  Gb,  2.5  Gb  in 
statistical areas. (See section 2.7.2.2). 

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 shift to the 

21   The  data  were  taken  from  the  publications  of  the  Central  Bureau  of  Statistics  (press  releases,  preliminary findings  from  the 
Household Expenditure Survey 2018) dated November 26, 2019 and October 29, 2020. In relation to the data for the years 
2019-2021 - in accordance with Bezeq’s assessment based on surveys by the Central Bureau of Statistics from previous years. 

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use of the telecommunications providers' own infrastructure, including within the 
wholesale market. For this matter see section 2.16.4.3. 

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 section 1.7.1. 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.), cloud services and 
services  on  the  cloud.  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 section  2.7.2. 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 section  2.6.2). 
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 
at the expense of the use of the Bezeq network exists and may increase with the 
establishment of 5G (see section 3.1.5), 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,  while  Bezeq  began  marketing  broadband  services  on  fiber  after 
them in March 2021. 

Bezeq also develops and provides services based on wireless technologies for 
IoT  (Internet  of  Things)  solutions,  including  for  smart  homes,  businesses  and 
complexes. See Section 2.2.5. 

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 

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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 
licenses. For a memorandum of understanding of the bill regarding a change in the format 
of  the  regulation  and  transfer  to  the  issuance  of  communication  services  through 
registration in the registry only, 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 sections  2.7.2 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 
technology 
telephony  services  over  another  operator's  broadband 
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 
debentures and 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 section  
2.6.2), and in the field of the Internet (see sections  2.6.2 and  2.6.3), transmission and data 
communication. Technological developments (such as 4G and 5G in cellular, fiber-optic-
based infrastructure, millimeter waves and advanced cable Internet protocols) enable the 
provision of new services at high speeds and at competitive prices. 

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

The field of interior landline 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 
indebted  for  deployment,  so  that  at  the  end  of  5  years  from  March  7,  211,  1.7  million 
households in Israel will be accessible to the network22. 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  other  NIO  infrastructure,  so  that  in  fact  the  competition  could  be 
through  physical  infrastructure  of  another  licensee,  and  in  practice,  mainly  on  Bezeq's 
infrastructure (see Section 2.16.4.4 in this regard). 

The  companies  Cellcom  and  Partner,  which  have  unique  NIO  licenses  (which  do  not 
require  universal  deployment),  are  deploying  an  independent  fiber  network,  including 
Bezeq's  physical  infrastructure  (regarding  Cellcom  and  Hot  joining  IBC,  see  Section  
2.6.3.5). 

22   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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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 Section 2.1.4). 

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 
section 2.16.4.  

For the  decision on the  elimination of the separation  between the Internet  infrastructure 
service and the access service (ISP) - see Section 1.7.2.2. 

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 Section 2.16.4).  

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 section 1.7 and  2.6. 

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. 

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 center23, 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  section 
2.16.4.4.  

2.2.3.  Internet access infrastructure services 

Bezeq provides broadband Internet access infrastructure services using xDSL technology 
over VBAND as well as over the fiber network in statistical areas, subject to milestones in 
its license. 

For details regarding changes in the number of Bezeq Internet subscribers and the average 

23  

"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.  

39 

 
 
 
  
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

monthly income per Internet subscriber, see section 1.5.4. For details regarding Bezeq's 
market share in this field, see section 2.6.3.  

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  subscribers24  At  the  end  of  2021 
amounted to about 129.6Mbps, compared to an average package speed of 74.2Mbps at 
the end of 2020. The minimum package provided in the service to new customers is usually 
at a maximum speed of 15Mbps. In December 2021, the minimum package rate for sale 
was updated to 100Mbps. 

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 section 2.16.4. 

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

Bezeq  offers  transmission  services,  including  at  high  speeds,  to  communications 
operators, international parites and its business customers in a variety of interfaces (see 
Section 2.6.4). 

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. 

24    Including revenue from service providers in wholesale service.. 

40 

 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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 section  1.7.3. 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 and bad debt. 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. 

Following  an  investigation  by  the  Ministry  of  Communications  and  a  hearing  it 
published on the subject, on March 25, 2021, the Ministry decided to establish a 
procedure for dealing with the issue, stating, among other things, that the staff 
handling  complaints  in  the  Ministry  of  Communications  can  recommend  to  the 
authorized factor within the Ministry that the Ministry will not prevent the affected 
licensees  from  taking  steps  such  as  stopping  the  provision  of  service,  not 
connecting new subscribers and more, depending on the circumstances and the 
severity  of  the  case.  Despite  this,  there  are  still  operator  debts  in  legal 
proceedings. 

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 section 2.15. 

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 
broadcasting  companies,  cellular  operators, 
international  communications 
operators, local authorities, municipalities and government bodies). 

2.2.6.4  Electricity supply license 

On September 1, 2021, Bezeq received a license from the Electricity Authority to 
supply electricity without means of production. Bezeq intends to examine in the 
first  phase  of  a  pilot  supply  and  sale  of  electricity  to  various  consumers  in 
accordance with the terms of the license. 

2.2.7.  Sale of end equipment and devices 

As of 2019, Bezeq has been selling smartphones (in addition to other end equipment sold 
thereby). Bezeq has expanded its offering to additional equipment and devices. 

2.3.  Revenue segmentation of products and services 

The following is data about the distribution of Bezeq’s revenues according to the main products and 
services in its field of activity in the years 2019-2021 (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 

41 

2021 
1,624 
38.83% 

2020 
622
1,
%0.93

913 
21.83% 

008
1,
%24.24

2019 
1,578 
38.74% 

1,039 
25.50% 

1,087 

1,011 

948 

 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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 

26.0% 

%31.24

23.27% 

318 
7.6% 

288 
%926.

274 
6.73% 

240 

230 

234 

5.74% 

%535.

5.74% 

4,182 

4,

159

4,073 

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%).25. 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 

2021 
2,071 
2,111 
4,182 

2020 
2,
033
2,
126
4,
159

2019 
2,029 
2,044 
4,073 

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. 
Bezeq has independent service and sales channels on its website, in a dedicated application (My 
Bezeq), and through a computerized voice answering service. 

The  Company's  infrastructure  is  also  included  in  packages  marketed  by  Internet  providers  (ISPs) 
most  of  which,  with  the  establishment  of  a  wholesale  market,  market  mainly  end-to-end  service 
packages based on Bezeq's BSA wholesale service, and as of April 3, 2022 will not be able to market 
Internet infrastructure to private customers outside the wholesale market. 

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) 

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  section  2.1.3.2).  Bezeq  estimates  that  in  2021  the  entire 
telephony market continued to erode at a similar rate to 2020 and at a higher rate compared 
to previous years. For this matter, see also section  2.3.In Bezeq's estimation, as of the end 

25  

Including revenue from wholesale service providers. 

42 

 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

of 2021, its market share in the landline telephony market was about 54% in the private 
market and about 70% in the business market, unchanged compared to 2020 in the private 
market and unchanged compared to 2020 in the business market26. 

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 by Hot Group 
as  well  as  the  marketing  of  service  baskets  by  Bezeq  Group,  See  Section  
1.7.2.3).  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  the  wholesale 
telephony service, see Section 2.16.4. 

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 section 2.1.3).  

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  2021,  its  market  share  in  the  Internet 
infrastructure market (retail and wholesale customers) amount to about 57% (compared to 
approx. 61% at the end of 2020). In addition, Bezeq estimates that its market share in terms 
of retail customers as of the end of 2021 amount to approx. 38%27. 

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 

26   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. 

27   Bezeq's assessment of its market share in the field of Internet infrastructure services at the end of 2021 is based on the number 
of customers consuming services on Bezeq infrastructure (retail and wholesale) and on publications regarding the number of 
Partner and Cellcom subscribers. It should be noted that HOT and smaller companies operating in the market are not reporting 
corporations and their data are not public, and accordingly, it is difficult to give accurate data regarding market shares, and these 
are only estimates. 

43 

 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

the HOT network has been marketed since the middle of 2018. For that matter, 
see also Section 2.6.1. 

According  to  media  reports,  during  the  months  of  March-April  2021,  Hot 
announced the launch of its new fiber network. Hot and Cellcom have holdings in 
IBC (see Section 2.6.3.5). 

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 Section  2.16.4.2), 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 Section 1.7.2.1. 

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  Section  2.6.3.2,  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. In addition, service providers 
may provide a BSA service over Bezeq's fiber infrastructure as well. 

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. 

2.6.3.5  Competition from IBC - IBC is setting up a fiber infrastructure to provide 
Internet  over  the  electricity  grid  (and  has  started  commercial  operations).  In 
accordance with the decision of the Minister of Communications dated August 8, 
2018, the deployment duty 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 (of three and a half years), the new licensee will be required to 
make  at  least  one  household  accessible  in  the  periphery  for  every  household 
accessible in the center (for this matter, see also Section 2.1.8). 

IBC’s license enables the provision of services to licensees. 

IBC is held by the Israel Electric Corporation (30%) and by Hot, Cellcom and the 
Israel Infrastrcure Fund, 23.3% each, to the best of Bezeq's knowledge, after 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,  and  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 the infrastructure to be established by IBC, at the beginning  of 
2021  the  approvals  of  the  Competition  Commissioner  and  the  Ministry  of 

44 

 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

Communications  were  received.  In  addition,  the  Ministry  of  Communications 
made  an  amendment  to  Hot’s  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 

2.6.3.7  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.  For  this  matter,  see  also 
Section 1.7.4.10, and regarding the possibility of allowing these licensees to use 
the Company's passive infrastructure in incentive areas, see Section 2.16.12.4. 

According to Draft Amendment 76 to the Communications Law, the provision of 
communications  services  wil  be  allowed  through  registration  in  the  registry  in 
accordance  with  general  permit  regulations  or  the  directives  of  the  Ministry's 
General Manager, and this will be the basic regulation format in which broadband 
infrastructure services can also be provided. Certain services will still be subject 
to a license, including a Bezeq service provided through a Bezeq network in which 
the number of users or subscribers or the number of end points or terminals in 
the network exceeds a number determined by the Minister, except for a Bezeq 
service provided through a Bezeq network by another authorized provider (see 
Section 1.7.4.10). 

On  the  Minister  of  Communications'  decision  regarding  the  abolition  of  the 
separation between broadband infrastructure service and Internet access service 
(ISP), see Section 1.7.2.4. 

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 Section  2.16.4.3)28, 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  and  Hot  (in  a  national  but  not 
complete  deployment).  These 
infrastructure  owners  may  use  Bezeq's  physical 
infrastructure. In this matter see Sections 2.16.4.3 and  2.6.5. 

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 infrastructures29 

In addition, there are currently a number of infrastructures in Israel that have the potential 

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

infrastructure.  

29 Beyond Hot and IBC infrastructure. 

45 

 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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 
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 option for consumption of content, leisure 
and  entertainment  applications  (see  also  sections  2.2.3  and  2.7.2).  In  March 
2021, the Company launched the fiber service on an advanced network deployed 
in the statistical areas (see Sections 2.7.2.2 and 2.16.12). Bezeq also has service 
over VBAND, and a browsing package up to 200 MB, over 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  (until 
April 2022) (see Section  2.16.1.4), 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  and  Cyber  protection.  The  router  and  services  are 
managed  by  a  dedicated  app.  As  of  the  end  of  2021,  Bezeq's  customer  base 
using  the  Be  router  is  approximately  666K  customers  (approximately  65%  of 
Bezeq's retail Internet customers). Bezeq also markets products to improve the 
reception range of the Be spot and Be mesh home Internet networks, while as of 
the end of 2021, about 357K units of these products were marketed by Bezeq. 
With  the  advent  of  Internet  services  on  the  fiber,  a  router  was  launched  that 
improves the reception range that is compatible with the fiber network at ultra-fast 
speeds. 

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. 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

d.  Technological innovation. 

e.  High positive cash flow, financial resilience and access to financing sources 

f.  Extensive service infrastructure and diverse customer interfaces. 

g.  Professional, experienced and skilled personnel. 

2.6.7.2  Negative factors  

a.  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: 

Wholesale  market  (see  section  2.16.4)  -  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 the decision by hearing 
regarding  setting  maximum  prices  for  the  Company's  retail  telephony 
services, see also Section  2.16.1. 

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 
section 1.7.2. 

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), except in relation to advanced network 
(fiber) for private customers. 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  section  2.7.22.16.12.  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.  These  companies  has  carried  out  and  are 
carrying  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  section 
2.16.4). 

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

Group companies 

See section  1.7.2.1.  

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.  Property, plant and equipment and facilities 

2.7.1.  General 

Bezeq's  property,  plant  and equipment  include, mainly: infrastructure and equipment for 
interior  communications,  real  estate  assets  (land  and  buildings),  computer  systems, 
vehicles and office equipment. 

2.7.2.  Infrastructure and stationary interior communications equipment  

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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 
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,  and 
through the use of 35B technology (extension of xDSL technology), through which 
rates of up to 200Mbps can be provided in part of the Bezeq network, depending 
on  the  quality  of  the  copper  infrastructure,  as  well  as  innovative  value-added 
services. Additional benefits of this network are simplification of network structure 
and improved management capability. 

2.7.2.3  Ultra-broadband fiber infrastructure 

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), the 
Company’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. 

Following  Bezeq's  above-mentioned  decision  of  the  Board  of  Directors,  Bezeq 
began  deploying  fiber  to  buildings,  including  the  deployment  of  vertical  GPON 
equipment in buildings, and on March 14, 2021, Bezeq announced the launch of 
services to its customers over its fiber optic network. 

For  the  amendment  to  Bezeq's  license  and  the  selection  of  areas  for  the 
deployment of the fiber network by Bezeq, see Section 2.16.12. 

As  of  the  date  of  publication  of  the  report,  Bezeq  has  completed  the  physical 
deployment  of  the  fiber  network  to  approximately  1.174  million  households 
throughout the country that are available for commercial connection, and as of 
the date of publication of the report, about 120K subscribers were connected to 
the Bezeq network. 

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 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

2.7.4.1  General 

Bezeq has real estate assets from four sources: assets transferred to Bezeq by 
the State in 1984 as part of the asset transfer agreement (see Section 2.17.2.1), 
assets in which rights were acquired or received by Bezeq after this date, assets 
that it leases from third parties, and communication-only assets in which Bezeq 
has a right-of-use for a limited period. 

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  owned  or 
leased, are assets with potential for improvement. 

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. 
302 

Lot area 
(sqm. 
thousand
s) 

Approx. 
834 

Built-up 
area (sqm. 
thousands) 

Approx. 181 

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. 
2,510 

Approx. 31  Approx. 64 

Irrelevant 

Approx. 27 
(based on 
an estimate) 

Notes 

From  this,  approx..  300  field  assets  in  the  area 
approx.  815k  thousand  sqm.  of  plots,  approx.  71k 
sqm.  built-up  are  assets  for  communication  needs 
and the rest are for administrative needs. 

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. 314 assets, of which a built-up area of about 
16k sqm. are for communication needs and the rest 
for administrative needs. Approx. 2k sqm. built-up of 
which are sublet. 
These  are  cable 
rooms  and 
neighborhood communication needs. 
As  for  most  of  the  properties,  this  is  a  right-of-use 
the 
granted 
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 

2.7.4.2  Registration 

As of the date 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 
the  State  ("Settlement 
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 discounted 
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. 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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 Bezeq’s 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 
Bezeq’s Board of Directors from time to time. 

In recent years, Bezeq has sold real estate that was inactive or could have been 
vacated relatively easily and without significant expenses, and / or for which the 
consideration  justifies  providing  another  worthy  alternative,  while  recording 
capital gains on these sales, which in some years were significant (during 2021, 
Bezeq sold real estate for a total of approximately NIS 273 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 

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  (“the  Improvement  Plan”)  that  was  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 

50 

 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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. Subsequently, on June 27, 2021, Bezeq filed a lawsuit with the Tel Aviv 
District Court against the Israel Land Authority for the return of the full amount it 
paid as a permit fee and improvement levy in the total amount of NIS 217 million 
and for declaratory relief according to which the Israel Land Authority must pay 
Bezeq any amount foreclosed, if any, from the bank guarantee in the amount of 
NIS  75  million  provided  by  Bezeq  to  the  Or  Yehuda  Local  Planning  and 
Construction Committee to secure the balance of the improvement levy . As part 
of  the  lawsuit,  Bezeq  claimed  that  it  was  not  liable  to  pay  the  permit  fee  and 
improvement levy because in accordance with the provisions of the settlement 
agreement signed between Bezeq and the Israel Land Authority and the State of 
Israel, it was entitled to receive the lease contract that refers to the property in 
Sakia when it is improved in accordance with the plan and without payment of a 
permit fee to the Israel Land Authority, and that in accordance with the provisions 
of the settlement agreement, the liability to pay an improvement levy in respect 
of the plan applies to the Israel Land Authority. 

On January 17 ,2022, the Israel Land Authority filed a letter of defense in which 
it argued that the lawsuit should be dismissed for the following reasons: (1) The 
payment of the permit fee, which Bezeq demands to be returned, was lawfully 
imposed on Bezeq, since the Improvement Plan deviated from the limited rights 
granted to Bezeq in the settlement agreement; (2) With regard to Bezeq's claim 
to receive from the Authority the improvement levy that Bezeq paid to the Local 
Committee,  the  Authority's  obligation  in  the  settlement  agreement  to  pay  the 
improvement levy, on which the Company bases its claim, was in relation to the 
above limited rights, and today it is not possible to set aside the replacement of 
the improvement levy and separate it from the charge for the Improvement Plan. 

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 2021 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 the Company’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 
time of signing the agreement. Bezeq recorded in its financial statements for the 
first quarter of 2021 a capital gain in the amount of NIS 125 million before tax for 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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). 

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 section 2.16.2).  

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 as well 
as two samples. The main trademarks are Bezeq – Bezeq’s name, and "B" – Bezeq’s logo.  

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, 
2021: 

Board of 
Directors

CEO

Management 
(without 
directors) 
)32( 

Internal 
Auditor*

Corporate 
Communi
cation

Legal 
Advisor

Group 
Secretary and 
Internal 
Compliance 
Office 

Headquarter
s Division
( 
540

)

Regulatio
n Division

Finance 
Division 

Marketing 
and 
Innovation 
Division 

Operation
s and 
Logistics 
Division

Human 
Resources 
Division 

Technolog
y and 
Network 
Division

( 

1564

)

Business 
Division

Private 
Division

( 

2553

)

2.9.2.  Number of Bezeq employees and employment frameworks 

The  number  of  employees  at  Bezeq  as  of  December  31,  2021  was  5,475  employees 
(compared to 5,408 employees at the end of 2020). About 93% of Bezeq employees are 
employees employed under collective agreements (of which approximately 57% of Bezeq’s 
employees are permanent employees and the rest are non-permanent employees). The 
rest of Bezeq’s employees (approximately 7%) 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 Section 2.9.4. 

2.9.3.  Early retirement plans for employees 

During 2021, 125 permanent Bezeq employees retired in accordance with the retirement 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

plan in Bezeq. 

In this sframework, the retirement of all Bezeq employees that were transferred to Bezeq 
from  the  Ministry  of  Communications),  except  for  a  few  individual  employees  whose 
retirement was postponed during 2022 due to Bezeq's administrative needs). 

On November 29, 2021, as part of the implementation of Bezeq's streamlining plan and 
under  the  collective  agreement  in  Bezeq  of  the  retirement  of  approximately  50  veteran 
permanent employees in the early retirement track at a total cost of approximately NIS 71 
million (the cost includes a reserve of 5% of the estimated retirement costs). In light of the 
aforesaid,  Bezeq  recorded  in  its  financial  statements  for  the  fourth  quarter  of  2020  an 
expense in the amount of NIS 67.5 million. 

For this matter see also Note 16.5 to the 2021 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. 

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. 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 in this section as: "the Agreement"): 

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  Directors30  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).  

30   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. 

53 

 
 
 
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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 employees that were transferred from the Ministry of Communication) 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 2.17.3. 

2.9.5.  Officers and employees of Bezeq's senior management 

As  of  the  date  of  publication  of  the  periodic  report,  Bezeq  has  9  directors  (out  of  a 
composition  of  9  directors  decided  by  Bezeq’s  Board  of  Directors),  of  which  three  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.  

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 2021 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 equity 
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 2,580,000 additional options 
by virtue of the Outline to 4 officers and / or employees in Bezeq and in the subsidiaries. 

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

Increasing Bezeq's registered share equity by 24,485,753 ordinary shares of NIS 
A. 
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. 

On April 22, 2021, the General Meeting of Bezeq's shareholders approved an amendment 
to  Bezeq's  remuneration  policy,  according  to  which  the  limit  of  liability  in  the  officers' 
insurance policy was limited to a maximum ceiling of US USD 250 million (replacing the 
liability limit of US USD 100-250 million), and the inclusion of the possibility of renewing the 

54 

 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

insurance policy by extending or entering into a new policy at any time. 

On  March  22,  2022,  Bezeq's  Board  of  Directors  approved  the  convening  of  a  general 
meeting, the agenda of which includes, among other things, the approval of an updated 
remuneration policy for a period of three (3) years, effective from January 1, 2022, which 
includes, among other things, clarifying amendments regarding the return of remuneration 
given on the basis of incorrect financial information, adjusting the remuneration policy in a 
manner that allows for variable remuneration depending on performance to the Chairman 
of  the  Bezeq  Board  of  Directors,  as  well  as  drafting  amendments  and  other  technical 
amendments.. 

For the capital remuneration plan - see Note 26 to the 2021 statements. 

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. 

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 2021, 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  NGN  network  access 
systems 
GPON equipment for the fiber project. 
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 equity 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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

For information on investments in investee companies, see Note 12 to the 2021 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, 2021, Bezeq is not financed by short-term credit (less than a year). 
The following is the distribution of long-term loans (including current liabilities):  

Average 
interest 
rate 

3.43% 

2.13% 

Effective 
interest rate 

Interest 
rate range 
in 2021 

%3.36  

2.20% 

%3.20
-
%.304
2.13% 

The 
principal 
amount 
(NIS 
millions) 

711 

300 

Loan 
period 

Source of 
funding 

Banks 

Banks 

Long-
term 
loans 

Non-
banking 
sources 

36 

Currency 
or linkage 
type 

NIS 
unlinked 

NIS 
unlinked 

NIS 
unlinked 

Type of 
interest rate 
and change 
mechanism  

Fixed 

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

4,073 

NIS 
unlinked 

Fixed 

%063.

%153.

%381.

%571.

%381.-
%43.1

%2.79
-
%.004

Non-
banking 
sources 
Non-
banking 
sources 

CPI-
linked 
NIS 
* Prime interest rate - 1.60% (as of March 2022) 
** Short-term loan annual yield for the year (223) - minus 0.38200% (average of the last 5 trading days of 

-
%0.58
.70%3

%1.76  

%1.72  

Fixed 

2,916 

February 2022) for the interest period that began on March 1, 2022. 

For more details about Bezeq loans, see Note 13 to the 2021 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  publication  of  the 
statements and as of the date publication of 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, 2021, Bezeq's reportable credit, in accordance with legal position 104-
15 of the Securities Authority (reportable credit incident) is Bezeq's debentures from series 
6, 9, 10, 11 and 12, all as specified Note 13 to the 2021 statements and in section 4 of the 
Board of Directors’ report. 

2.13.4. Amounts of credit received during the reporting period 

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On April 7, 2020, Bezeq published a prospectus of registration for trading and unblocking 
of Bezeq debentures (Series 11 and 12) and a shelf prospectus (dated April 8, 2020) (“the 
Prospectus"). 

On December 23, 2021, Bezeq completed a placement of new debentures (Series 13 and 
14)  according  to  a  shelf  offer  report  from  December  21,  2021,  which  was  published 
according to the Prospectus. In this framework, 200,000,000 debentures (Series 13) were 
issued  in  exchange  for  an  amount  of  approximately  NIS  200,000,000,  and  200,000,000 
debentures (Series 14) in exchange for an amount of approximately NIS 200,000,000 were 
issued.  For  further  details  regarding  these  debentures,  see  Bezeq's  off-the-shelf  offer 
report  dated  December  21,  2021,  Bezeq's  immediate  report  dated  December  22,  2021 
regarding the issuance results included in this report by way of reference. In addition, on 
December 1, 2021, Bezeq took out a loan in the amount of NIS 300 million from a banking 
corporation. 

On Jnuary 23, 2021, Bezeq made a partial early repayment, on its own intiative, of Bezeq’s 
debentures (Series 9) in the amount of approx. NIS 370 million par value. 

For the purposes of this section, see also Section 4 of the Board of Directors' Report and 
Note 13 to the 2021 statements. 

2.13.5. Bezeq's debentures 

For details regarding the debentures issued by the Company and by Bezeq see Note 13 to 
the  2021  statements  and  Section  4  of  the  Board  of  Directors'  Report.  Also,  see  section 
2.13.4. 

2.13.6. Credit rating 

Bezeq's  debentures  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 May 2, 2021, Midroog issued 
the rating  of Bezeq's debentures (which  had  negative consequences) and approved the 
Aa3.il rating of Bezeq's debentures, with a stable rating horizon, and on December 1, 2021 
Midroog  announced  the  granting  of  the  same  rating  to  Series  13-14  debentures,  which 
Bezeq will issue in the amount of up to NIS 400 million par value. On May 12, 2021, Maalot 
confirmed  Bezeq's  ilAA-/Stable  rating  and  its  debentures.  In  addition,  on  November  30, 
2021, Maalot announced the granting of the same rating for the issuance of debentures in 
the amount of up to NIS 400 million par, through the issuance of two new series, 13 and 
14. 

For  details  regarding  the  history  of  Bezeq  ratings  in  the  last  two  years,  see  Bezeq's 
immediate reports dated May 4,  2020,  May  26, 2020, May  12, 2021  and November 30, 
2021  (Standard  &  Poors  Maalot  Ltd.),  as  well  as  from  April  22,  2020,  May  26,  2020, 
December 22, 2020, May 2, 2021 and December 1, 2021 (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  (2022)  and  the 

sources of raising 

During 2022, Bezeq is expected to repay a total of NIS 1.55 billion for the principal and the 
interest  on  its  loans,  including  debentures  (this  amount  includes  an  early  repayment  of 
Series 9 debentures executed as specified in Section 2.13.4). 

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.  

2.13.8. Liens and collateral 

For information regarding Bezeq's liens and collateral, see Note 19 to the 2021 statements.  

2.14. Taxation 

For information on taxation, including losses carried forward for tax purposes in DBS, see Note 
7 to the 2021 statements. 

On December 26, 2021, Bezeq received a letter from the Tax Authority extending, at Bezeq's 
request,  the  validity  of  the  taxation  decision  for  one  year,  i.e.,  until  December  31,  2022.  It 
should be noted that the Tax Authority's letter states that in light of the fact that there were no 
material developments regarding the abolition of the structural separation between Bezeq and 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

DBS from the date of the taxation decision until the date of this extension, and in light of the 
long  time  elapsed  from  the  taxation  on  the  subject,  the  Tax  Authority  will  consider  not 
extending the validity of the taxation decision beyond December 31, 2022, as long as there 
are no significant developments  in 2022 regarding the abolition of the structural separation 
between Bezeq and DBS. According to Bezeq's position, it is entitled to an extension of the 
Tax Authority's approval in accordance with the terms of the tax decision, according to which 
the  Tax  Authority  will  extend  the  validity  of  this  tax  decision  annually  in  writing  each  year, 
subject to the companies' declaration that there has been no material change in their business 
and the terms of this tax decision and subject to the interpretation given to the law, provided 
that such interpretation is published in writing". Furthermore, even if the validity of the taxation 
decision is not extended, this does not prevent Bezeq from requesting from the Tax Authority 
at any relevant time in the future a new taxation decision instead of the said taxation decision. 
It  should  also  be  noted  that  Bezeq  continues  to  work  with  the  various  regulatory  bodies  to 
abolish the structural separation. 

2.15. Environmental risks and their ways of management 

2.15.1. General 

Some Bezeq facilities, such as broadcasting facilities, wireless communication facilities, or 
high-voltage facilities31 are sources of electromagnetic radiation which are included in the 
definition of "radiation source" in the Non-Ionizing Radiation Law.  

2.15.2. 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, 
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 section  2.16.10.  

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  

31The 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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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), and from time to 
time,  Bezeq  is  exposed  to  significant  changes  in  its  rate  structure  and  rate  level.  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) (until April 1, 2022) - 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.  On  December  12,  2021,  the  Communications  Regulations  (Bezeq  and 
Broadcasting) (Calculation and Linkage of Payments for Bezeq Services), 5767-
2007, where the formula for the update was determined, as part of the decision 
at the  hearing regarding the determination  of maximum  rates for Bezeq's retail 
telephony services. The cancellation will take effect on April 1, 2022 (see Section 
2.16.1.4). 

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 the hearing on rates and 
interconnectivity accounting, see Section 1.7.4.1. 

2.16.1.4  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 
of  the  Communication  Law,  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  be  made,  inter  alia,  in  accordance  with  the  parameters  as 
stated in section  2.16.1.1(1), and the Minister may examine the payment based 
on what is stated in section 2.16.1.1(2). 

2.16.1.5  On December 30, 2021, the Minister of Communications issued a decision 
at a hearing (a hearing dated December 15, 2020 regarding the determination of 
maximum  rates  for  Bezeq's  retail  telephony  services)  to  reduce  Bezeq's 
telephony rates as detailed below (“the Decision"). The following are the main 
points of the Decision. 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

a.  Amend  the  relevant  regulations  so  that  the  maximum  payments  for  a 
subscription line32 and for calls from a subscription line will be reduced in a 
graded manner on two dates: April 1, 2022 (the day the regulations come into 
force) and July 1, 2023.. 

b.  The  following  is  a  breakdown  of  the  rates  in  accordance  with  the 

aforementioned dates (in NIS): 

Two 
stages 

April 1, 
2022 
until 
July 1, 
2023 
Starting 
from 
July 1, 
2023 

Service 

Monthly usage fee per telephone line 
Rate for call minutes to landline 
networks33 
Rate for call minutes to mobile 
networks  34 
Monthly usage fee per telephone line 
Rate for call minutes to landline 
networks  35 
Rate for call minutes to mobile 
networks  36 

Maximum rate 

Net of VAT 
29.91 

Peak 
Low 

0.035  
0.0857  

VAT 
included 
35 
0.041  
0.100  

Peak 
Low 

0.1093 

20.82 

0.0142 

0.074 

0.128 

24.36 

0.017 

0.086 

c.  Upon  the  transition  to  a  mechanism  of  maximum  payments,  the  existing 
alternative  payment  baskets  that  Bezeq  markets  in  accordance  with  the 
provision of Article 15A of the Communications Law will be eliminated. At the 
same  time,  Bezeq  will  be  able  to  market  telephony  service  packages  that 
include a telephone line and call minutes, at rates set by it in accordance with 
Article 17 of the Communications Law, provided that the payments in these 
packages are lower than the payments derived from the maximum rates set. 

Starting from April 1, 2022 and until July 1, 2023, the maximum payment of 
subscribers who paid for a group of services on the eve of the entry into force 
of an alternative payment basket, will be according to the conditions set in 
that  alternative  payment  basket  or  according  to  the  regulations  after  the 
amendment, whichever is lower. The Ministry of Communications estimates 
that  such  a  change  in  rates  is  expected  to  reduce  telephony  expenses  of 
Bezeq's  discrete  line  subscribers  and  reduce  Bezeq's  landline  telephony 
consumers' expenses by NIS 370 million per year from July 1, 2023 onwards 
(including VAT). 

d.  The  Minister  of  Communications'  decision  also  states  that  in  view  of  the 
expected  technological  changes,  in  particular  the  transition  to  advanced 
networks, the decrease in the number of subscribers to the landline telephony 
service and changes in the competitive situation, whatever the situation, the 
Minister of Communications intends to Bezeq's landline telephony service. 

Bezeq  estimates  that  the  reduction  of  rates  in  accordance  with  the  decision  is 
expected to have a material adverse effect on Bezeq's financial results. At the 
same time, Bezeq estimates that the decrease in its revenues is expected to be 
lower than that stated in the Ministry of Communications' estimates. 

According to Bezeq estimates, if the number of telephony lines and call minutes 
in the Bezeq network had remained at their level as of the date of this report, the 
reduction in rates would have led to a decrease in Bezeq’s revenues in 2022 of 
NIS  70  million;  a  decrease  in  Bezeq's  revenues  in  2023  in  the  amount  of 

32  "Subscription  line"  -  up  to  three  lines  that  connect  terminal  equipment  to  the  Company’s  network,  provided  that  the  terminal 
equipment is not connected to an extension in a private hub, unless the terminal equipment is connected to an extension in a private 
hub that is not connected to the Company’s network through the active dial-up service. 

33  

Including interconnectivity rate to landline destinations. 

34  

Including interconnectivity rate to mobile networks. 

35 Including interconnectivity rate to landline destinations . 

36 Including interconnectivity rate to mobile networks . 

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approximately NIS 150 million; and from 2024 onwards, to a decrease in Bezeq's 
revenues in the amount of approximately NIS 200 million per year. However, in 
light of the continuing declining trend in both the number of Bezeq telephony lines 
and the number of call minutes, which led to an erosion in Bezeq's revenues from 
telephony services37,  the  impact  of  the  decision  alone  on  Bezeq's  revenues  is 
expected to be smaller compared to this section. 

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  demands  for  Bezeq  services  and  the  behavior  of 
various  communications  operators.  Accordingly,  the  information  may  not 
materialize  or  materialize  differently  from  what  is  stated  depending  on  the 
materialization of the above assessments. 

Upon the entry into force on April 1, 2022 of maximum payments (instead of FIX 
payments) for telephony services as determined by the Ministry, Bezeq will not 
market alternative payment baskets under Article 15A (a) of the Law, as they are 
relevant  when  no  maximum  or  minimum  rates  have  been  set.  However,  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 services for which payment has not bee determined 
under Articles 5 or 15 of the Communications Law, insofar as the Ministers do not 
object. 

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. 

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. 

On November 29, 2020, Communication Notice (Bezeq and Broadcasting) (Use 
of an NIO’s Public Bezeq Network) was published, as part of which, the demand 
forecast  indices  for  2021  were  updated  (the  demand  forecast  indices  for  a 
landline  connection  to  a  traditional  network  in  the  Bezeq  network,  for  data 
capacity at the core of the network used by the traditional network, and Bezeq's 
managed broadband access service through a traditional network), from which 
the rates of use of the Bezeq network for Bezeq's wholesale services are derived 
in accordance with the formulas in the Bezeq network usage rates regulations for 
Bezeq  wholesale  services.  Bezeq's  revenues  in  respect  of  said  services  are 
affected by both the rates and the extent of the actual use of the Bezeq network, 
which  depends  on  the  behavior  of  the  various  communications  operators.  The 
updated  rates  had  a  material  adverse  effect  on  Bezeq's  results  for  2021.  On 
December 30, 2021, Communication Notice (Bezeq and Broadcasting) (Use of 
an  NIO’s  Public  Bezeq  Network)  (No.  2),  2021  was  published,  in  which  the 

37 Except in 2020 which was affected by the consequences of the COVID crisis. 

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wholesale  rates  for  use  were  updated.  In  Bezeq's  traditional  network,  due  to 
changes  in  the  index  and  the  above  demand  forecast  indices  for  2022  and  in 
accordance  with  the  formulas  in  the  regulations  for  the  use  as  in  force  since 
January 1, 2022. 

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  the  Company’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 section 2.16.4.  

On  February  21,  2022,  a  hearing  was  published  by 
the  Ministry  of 
Communications to set a maximum rate for passive infrastructure access service 
(barrel access service) and dark fiber service, in accordance with the provisions 
of Article 14D (i) of the Communications Law, which stipulates that the Minister 
may  set  a  reduced  rate  for  the  use  of  Bezeq's  passive  infrastructure  in  the 
incentive areas38 and in the use areas39. According to the hearing documents, in 
order to lower barriers and encourage suppliers to submit bids in the incentive 
tenders  and  to  encourage  the  provision  of  service  in  the  incentive  areas,  the 
Minister  of  Contracting  considers  setting  maximum  supervised  rates  in  the 
incentive areas and use areas for the following services: Passive infrastructure 
access service – NIS 195 per km per month (compared to a rate of NIS 409); dark 
fiber  service  -  NIS  195  per  km  per  month  (compared  to  a  rate  of  NIS  501). 
According to what is stated in the hearing documents, as part of a new pricing 
process for all wholesale rates planned for 2022, the determination of the above 
supervised tariffs will also be examined. From an initial point of view of the hearing 
documents,  Bezeq  estimates  that  the  direct  financial  impact  as  a  result  of 
determining the reduced tariffs is not expected to be material. Bezeq continues to 
examine the hearing documents and its implications. 

2.16.2. Bezeq's NIO license 

Bezeq operates, among other things, under the NIO license40. 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 section  1.7.3. Regarding 
the  deployment  and  universal  service  obligation  in  connection  with  advanced 
infrastructure (fibers), see Section 2.7.2. 

2.16.2.2  Rules of structural separation 

For  a  description  of  the  structural  separation  rules  applicable  to  Bezeq,  see 
Section 1.7.2. 

2.16.2.3  Rates 

Bezeq will provide a service or package of services for which no rate has been 
set  (and  from  April  1,  2022  -  for  which  no  maximum  rate  has  been  set)  under 
Articles  15  or  15A  of  the  Communications  Law  at  a  reasonable  price,  under 
Aarticle 17 of the Law, and will offer it to everyone, throughout Israel and in the 
matter of an advanced network in the service area determined  in  Appendix  K-
1,without discrimination, and at a uniform rate, according to the types of services. 
See also Section 2.16.1. 

38 Areas where Bezeq has chosen not to deploy an advanced network and where it will be deployed by other licensees. 

39  Other areas that are not Bezeq's deployment areas, and which are not used by Bezeq for the deployment of an advanced network 

and the use of the service in them for the purpose of deployment in the incentive areas. 

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

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As  of  April  1,  2022,  Bezeq  will  be  entitled  to  determine  telephony  packages 
according to the quota of minutes included in the packages. Bezeq was entitled 
to provide telephony packages for which no tariff was set under Article 15 or 15A 
of the Law, would demand a reasonable price for them under Article 17 of the 
Law and would offer them to any claimant without discrimination on equal terms 
and  at  a  uniform  tariff  according  to  types  of  services.  The  price  for  such  a 
telephony package will not exceed the maximum payment under the Payments 
for a Telephone Line Regulations, plus the maximum payment for call minutes 
under the Payments Regulations. The telephony package will be subject to Article 
9.7A  of  the  License,  according  to  which  Bezeq  will  allow  the  subscriber  to 
separately purchase each service or package of services included in the shared 
service basket with other licensees under the same conditions as the service or 
package of services in the shared service basket (detachability). 

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 1.7.2.1. 

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 section 1.7.4.4 a). 

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 
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 

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entities that have an affiliation with another material NIO41 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). 

to 

it  by 

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 
the  Ministry  of 
license  granted 
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). 

the  competent  bodies 

in 

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

Regarding  the  amendment  of  Bezeq’s  license  regarding  the  determination  of  advanced 
network deployment obligations - see Section 2.16.12 

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 
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)42.  

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 

41   NIO with a market share of 25% or more.  
42   For the minimum holding rate in Bezeq Group's control permit, see Section 8 of Chapter D of this periodic report.. 

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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 
published  by 
the 
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. 

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 

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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 1.7.2.2) 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  service43.  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. 

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 
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. 

For service rates BSA on fibers, see Section 2.16.12.2. 

2.16.4.3  Wholesale service use of physical infrastructure 

43  It should be noted that in the first days of the service, the Ministry conducted a supervisory procedure at Bezeq that led to the 
imposition of sanctions in the amount of NIS 8.5 million paid by Bezeq. After Bezeq's Board of Directors rejected the applicant's 
motion to file a derivative claim in the matter against Bezeq's officers, and ruled that in the circumstances of the case, Bezeq does 
not have a good cause of action against officers and other officials who served during the relevant periods, and that conducting 
legal proceedings will not promote Bezeq's benefit. In February 2022, the applicant submitted a motion for approval of a derivative 
claim against Bezeq's officers (all but one are former executives) in the amount of the financial sanction plus interest and linkage 
differences. 

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The "Use of Physical Infrastructure" service portfolio 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, 
Maximum rates for this in the regulations of use. Subsequently, the obligation to 
provide use of Bezeq's passive infrastructure (with the exception of dark fiber and 
optical  wavelength  service)  was  extended  in  relation  to  infrastructure  owners  - 
IBC and Hot. At the same time, NIO licensees were required to allow other NIO 
licensees to use their passive infrastructure44, and then a service portfolio was 
established  for  "mutual  use"  of  passive  infrastructure,  in  which  the  obligation 
imposed  in  the  original  service  portfolio  on  an  operator  using  infrastructure 
infrastructure to establish  a passive infrastructure facility near  Bezeq's passive 
infrastructure facility was abolished.  

The mutual service portfolio does not include provisions for the dark fiber rental 
service  and  optical  wavelength  service,  which  remain  in  the  original  service 
portfolio  used  only  by  holders  of  a  unique  general  national  interior  operator 
license. 

As part of Draft Amendment 76 to the Communications Law (see Section 1.7.4.8), 
it is intended to allow those registered in the registry to also use Bezeq's passive 
infrastructure for the purpose of providing any Bezeq service in accordance with 
the general permit regulations or an administrative directive issued to it. 

For the decision regarding the use of holders of special licenses for broadband 
infrastructure  in  Bezeq  infrastructure  in  the  incentive  areas,  see  Section 
2.16.12.4. 

The  Minister  has  the  authority  to  reduce  the  tariffs  for  the  use  of  Bezeq 
infrastructure  in  mainly  incentive  areas,  and  for  a  hearing  on  the  matter  -  see 
Section 2.16.12. 

For the notice of the Competition Authority in the matter of infrastructure and for 
the appeal by Bezeq, see section 2.16.8.5, 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 2.18.1(h). 

2.16.4.4  Wholesale telephony service 

This service enables service providers who do not have the infrastructure to offer 
their customers telephony service at wholesale rates through the Bezeq network. 
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  and  lack  of 
authority. 

The  temporary  arrangement  was  valid  until  August  2018,  according  to  which 
Bezeq  offered  the  service  in  a  resale  format,  a  format  in  which  the  service 
provider  purchases  a  Bezeq  line  and  call  minutes  and  receives  a  package  of 
services (including technician services) from Bezeq. According to the Ministry of 
Communications'  announcement,  as  of  August  2018,  Bezeq  is  obligated  to 
provide  the  service  in  a  "wholesale"  format,  i.e.,  a  service  format  in  which  the 
service  is  provided  via  Bezeq's  switch,  but  the  call  also  passes  through  the 
service provider's switch, both as a discrete service and as an additional service 
to the BSA service. As of August 2018, Bezeq was prepared to provide resale 
services  at  wholesale  rates  (excluding  technician  services)  -  although  in  this 
service the call does not pass through the service provider switch, and from the 
beginning of 2019 Bezeq is prepared to provide a wholesale telephony service 
solution  through  the  service  provider  switch,  and  is  based  on  both  Bezeq's 

44  Except for the passive NIO infrastructure, which is held by the IEC and is required for its activities as a holder of an essential service 

provider license. 

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subscription  switch  and  an  additional  component  external  to  the  switch,  and 
currently on Bezeq's new subscription switch (see also Sections 2.1.8 and 2.7.2). 
As it became clear after discussions that took place, among other places, in the 
Ministry  of  Communications,  the  service  providers  are  not  prepared  to  act 
according to the format of the service portfolio. On May 27, 2020, Bezeq received 
a letter from the Ministry of Communications regarding the minutes of a telephony 
service,  including  a  settlement  of  a  dispute  between  Bezeq  and  the  service 
providers Partner and Cellcom regarding the interpretation of the service portfolio 
on the provision of ancillary services. The Ministry accepted Bezeq's position on 
the matter, and determined that the telephony service that Bezeq will offer to the 
service  providers  is  a  service  that  will  allow  the  service  provider  to  receive 
incoming  calls  and  create  outgoing  calls,  and  will  enable  the  provision  of  all 
services  that  are  ancillary  to  the  basic  telephony  services  provided  by  the 
infrastructure  owner  to  its  customers,  while  the  ancillary  services  under  the 
service  portfolio  will  be  provided  through  the  service  provider's  switch45. 
According  to  the  Ministry's  announcement,  after  performing  all  the  actions 
required to provide the telephony service, Bezeq is required to update the Ministry 
on  the  date  when  it  will  be  prepared  to  provide  the  service  as  required  in  the 
service portfolio. As Bezeq noted in its reports, as of the beginning of 2019, Bezeq 
is prepared to provide a wholesale telephony service in a manner consistent with 
the firm's decision in its announcement. Bezeq  is also prepared to  provide the 
service over its new switch in the format of the service portfolio. 

The wholesale telephony service in all the formats described above had no actual 
demand, and had no customers at all (except for few, and tests). 

2.16.5. Powers in respect of 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 
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 

45 It should be noted that the Ministry's letter states that the Ninistry's decision does not express a position regarding the Company's 
compliance with the service portfolio's provisions regarding the telephony service, and does not prevent the Ministry from taking 
supervision and enforcement measures in this matter. 

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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 services, 

and transmission and transmission services of public broadcasts46. 

b.  Providing fast-access services through subscriber access network47. 

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 
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 

46   Announcement dated 30.7.1995. 
47   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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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  April  12,  2021,  the  Competition  Authority  published  a  decision  of  the 
Competition Commissioner regarding the amendment of the terms of the merger. 
According  to  the  amendment,  the  Commissioner  decided  to  allow  Bezeq's 
subsidiaries:  Pelephone, Bezeq International  and  DBS (and  not  Bezeq), to sell 
communication  packages  that  include  Internet  infrastructure,  Internet  provider 
and TV services without the obligation to sell the TV services, at a separate price 
that  will  be  uniform  for  package  buyers  and  for  those  who  are    not  package 
buyers.  In  addition,  the  Commissioner  decided  to  allow  greater  flexibility  with 
regard  to  the  purchase  of  foreign  content,  so  that  the  condition  stipulating  the 
cancellation of exclusivity arrangements between Bezeq and DBS regarding non-
original  TV  content,  and  the  prohibition  on  being  parties  to  such  exclusivity 
arrangements  will  not  apply  to  foreign  content  purchase  (excluding  sports 
content). 

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 
the  final  consumer.  The  violations  alleged  against  Bezeq  are  the  blocking  of 
access to private areas and placing a demand for fiber cutting. 

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, 
the 
2019,  Bezeq  received  a  determination  ("the  Determination") 
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. 
Bezeq's response to the Commissioner's response was submitted on February 1, 
2022. Regarding the motion for approval of a class action and requirements for 
exhaustion of rights before filing a derivative claim, further to this determination, 
see Section 2.18.1H. 

from 

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. 

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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). 

2.16.10.1 National Outline Plan 36 - Communication facilities within the Green Line 

NOP  36  was  divided  into  two  parts  according  to  the  classification  of  the 
transmission  facilities,  made  in  accordance  with  the  technical  variables  and 
physical  dimensions of  the facilities, which ultimately  affect the determination of 
safety ranges for protection against radiation effects and the degree of prominence 
of the facilities in the landscape. Part A of the NPA, which has been approved by 
the Government and is in force, deals with guidelines for the construction of small 
and  micro  broadcasting  facilities,  while  Part  B,  which  was  not  approved  by  the 
Government and is not in force, deals with guidelines for the construction of large 
broadcasting  facilities.  As  a  result,  there  are  currently  no  special  guidelines 
regarding Bezeq's large transmission facilities, most of which were established by 
the state before Bezeq was established. 

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). 

2.16.10.2 National Outline Plan 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 vast majority of the facilities located in the 
Territories and which are owned by Bezeq (there are  a few additional sites that 
have  not  been  regulated). 
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. 

In  addition,  Bezeq  also  arranged  with 

2.16.10.3 Radiation permits 

Regarding  radiation  permits  for  communication  and  transmission  facilities,  see 
section 2.15. 

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). 

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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: 

a.  Obligation  to  deploy  and  provide  service  to  non-general  public  throughout 

Israel: 

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. 

"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; 

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. 

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. 

The  Minister  may  permit,  in  Bezeq  licenses  and  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.  

b. 

Incentives for deployment in the incentive areas  

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").  

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. 

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.  

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c.  Tenders for the allocation of incentive fund money 

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. 

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. 

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. 

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 is a holder of 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. 

d.  Prohibitions on Bezeq and an affiliated corporation in relation to the incentive 

areas  

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. 

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. 

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. 

e. 

Internal threading 

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.  

f.  Sanctions 

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. 

On May 25, 2021, Bezeq's Board of Directors approved Bezeq's plan for the 
deployment of fibers and its submission to the Ministry of Communications in 
accordance with Article 14B (a) of the Communications Law. Under Bezeq’s 
plan, Bezeq is expected to retire and operate an ultra-fast fiber network that 
will cover about 76% of Israel’s population (Bezeq estimates that about 80% 
of  households),  and  on  May  31,  2021,  Bezeq  submitted  to  the  Ministry  of 
Communications  the  list  of  statistical  areas  where  it  chose  to  deploy  as 
aforesaid. 

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On  June  15,  2021,  following  a  hearing  on  April  13,  2021,  the  Company 
received  an  amendment  to  Bezeq’s  license  regarding  the  determination  of 
advanced  network  deployment  obligations  ("the  Amendment  to  the 
License"). The Amendment to the License includes changes to the existing 
provisions  in  the  license  in  aspects  in  which  there  is  a  distinction  between 
Bezeq's traditional network and its advanced network, and the addition of an 
appendix  that  includes  Bezeq's  advanced  network  deployment  obligation, 
including the list of statistical areas selected by Bezeq, as well as milestones 
for completing the advanced network deployment as follows: 

a.  Completion  of  deployment  for  buildings  in  which  the  cumulative 
proportion of households is 60% of the total number of households in the 
service area (all statistical areas selected by Bezeq) - no later than the 
end of two years from the determining date (March 14, 2021); 

b.  Completion of deployment  for buildings in which the cumulative rate of 
households is 80% of the total number of households in the service area 
- no later than the end of three years from the Effective Day; 

c.  Completion of deployment  for buildings in which the cumulative rate of 
households is 95% of the total number of households in the service area 
- no later than the end of five years from the Effective Day; 

b.  Completion  of  deployment  for  all  buildings  in  the  service  area  no  later 

than the end of six years from the Effective Day. 

in 

the 

i.e., 

On October 13, 2021, the Ministry of Communications issued a tender "for the 
extension  of  a  license to deploy an advanced network and to receive financial 
grants to encourage the deployment of advanced landline networks in areas with 
no  economic  viability", 
incentive  areas.  Subsequently,  an 
announcement by the Ministry was published on the Ministry of Communications 
website  on  March  7,  2022,  including  the  names  of  the  areas  in  which 
communications  companies  that  won  the  tender  for  an  advanced  fiber-based 
network  will  be  deployed.  According  to  the  announcement,  the  winning  areas 
constitute  about  60%  of  the incentive  areas and the  winning companies in the 
tender will be given a period of one year and three months from the date their 
license is amended, to complete the deployment obligations and provide services 
to anyone who wants them in these areas. 

2.16.12.2  Rates in service over ultra-broadband fiber infrastructure 

The  usage  regulations  set  the  maximum  rates  for  an  ultra-broadband  access 
service  managed  on  Bezeq's  fiber  network,  as  the  maximum  rates  for 
accessibility and data transfer services at a cumulative rate of up to 550 megabits 
/ second and over 550 megabits / second and up to 1,100 megabits / second. 
The regulations do not set a supervised rate for the initial installation of an internal 
cable  to  the  subscriber's  premises,  and  Bezeq  may  demand  a  reasonable 
payment for this service. The rates will be  updated  once a year on January 1, 
starting  in  2021  in  accordance  with  changes  in  the  consumer  price  index. 
According to the recommendation of the professional staff in the Ministry, which 
formed the basis for the decision regarding the tariffs, the said rates will be valid 
for a period of three years and will then be replaced by a fixed rate. 

Regarding  the  determination  of  a  uniform  price  for  fiber-optic-based  Internet 
services  (FTTP)  -  in  providing  fiber-optic  Internet  access  services  to  the 
residential building (FTTH) for private subscribers, licensees are prohibited from 
offering subscribers offers on different terms or at different rates, depending on 
In  the  proposed  infrastructure,  and  the  type  of  infrastructure  offered  would 
constitute  a  reasonable  characteristic  justifying  the  differentiation  of  one 
subscriber group from another in respect of non-fiber internet access services to 
the residential building. 

2.16.12.3 Joint use of fiber optic infrastructure in existing residential buildings 

On  July  27,  2020,  a  decision  of  the  Ministry  of  Communications  was  issued, 
according to which 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 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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. 

On  October  31,  2021,  the  Ministry  issued  an  update  to  the  Director's  directive 
dated July 27, 2020 regarding the sharing of fiber optic infrastructure in existing 
residential  buildings,  as  part  of  which  a  section  will  be  added  to  the  directive 
according to which the co-operator and the other NIO will each develop an API 
for  the  transmission  of  information  about  the  existence  or  non-existence  of  an 
internal thread, which is a fiber-optic infrastructure up to the user's apartment, as 
well as information regarding the date of its deployment (before January 1, 2021 
or after this date). This is in accordance to the schedule specified in the section. 
Bezeq forwarded its response to the hearing according to which it opposes the 
possibility  of  requiring  that  it  or  any  other  company  share  such  sensitive  and 
detailed  business  information  when  there  is  an  effective  and  less  offensive 
alternative proposed in the response. 

With  regard  to  deployment  in  new  residential  buildings,  on  June  8,  2021,  an 
amendment to the Planning and Construction Regulations (Application for Permit, 
Conditions and Fees) was published, on provisions regarding the installation of 
communications infrastructure in new buildings. 

Within the framework of the Economic Plan Law (Amendments to Legislation for 
the Implementation of Economic Policy for Budget Years 2021 and 2022) (5721-
2021) approved on November 4, 2021 ("the Arrangements Law"), the provisions 
of the Communications Law were amended regarding the conditions for laying an 
advanced  network  in  a  shared  residential  building,  even  in  the  absence  of 
consent of the majority of the apartment owners. 

2.16.12.4  Hearing 
infrastructure. 

to  amend 

the  arrangement 

for  mutual  use  of  passive 

On  February  6,  2022,  the  Ministry  of  Communications  decided  at  a  hearing  to 
amend  the  arrangement  for  mutual  use  of  passive  infrastructure,  according  to 
which  it  will  also  be  possible  for  holders  of  special  broadband  infrastructure 
licenses (in addition to general licensees) to use the passive infrastructure of a 
general NIO (including Bezeq) only in incentive areas (areas in which Bezeq has 
chosen  not  to  deploy  an  advanced  network  and  in  which,  for  the  purpose  of 
financing deployment, funds will  be allocated from the incentive fund).  Keep  in 
mind  that  holders  of  general  licenses  may  use  Bezeq's  passive  infrastructure 
outside  the  incentive  areas  as  well.  This  decision  is  further  to  the  Minister  of 
Communications'  decision  of  October  13,  2020,  in  which  the  threshold 
requirements  for  obtaining  a  license  enabling  the  provision  of  broadband 
infrastructure services were reduced, following which the Ministry began granting 
special  broadband  infrastructure  licenses  (see  also  Section  2.6.3.6).  A  service 
portfolio was attached to the decision regarding the manner in which the passive 
infrastructure  of  a  NIO  was  used,  and  the  Minister  of  Communications  was 
the  Communications  Regulations  (Bezeq  and 
recommended 
Broadcasting) (Use of an NIO’s Bezeq Public Network), 5774-2014. 

to  amend 

Allowing  special  license  holders  of  broadband  infrastructure  to  make  use  of 
Bezeq's passive infrastructure may increase the rate of deployment of broadband 
infrastructure by special licensees and the transfer of customers to them in the 
incentive areas. On the other hand, the use of Bezeq's passive infrastructure by 
the  special  licensees  will  involve  a  fee  to  Bezeq  (even  if  reduced,  see  Section 
2.16.1.8). Accordingly, Bezeq is unable to assess at this stage the overall effect 
of amending the said arrangement. 

2.16.12.5 Hearing on the amendment of the BSA and telephony wholesale service 

portfolio 

On  February  10,  2022,  the  Ministry  of  Communications  decided  at  a  hearing 
regarding the amendment of the BSA wholesale service portfolio and telephony, 

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which  included  the  addition  of  a  chapter  in  the  service  portfolio  regarding  the 
provision  of  BSA  service  on  an  advanced  network  and  the  draft  license 
amendments  for  unified  general  licensees  and  special  licensees  in  providing 
Internet  access  and  broadband  infrastructure  services.  In  accordance  with  the 
decision,  the  said  amendment  to  the  service  portfolio  was  approved.  The 
amendment  of  the service  portfolio is  not expected to have  a  material effect  on 
Bezeq. 

2.16.12.6 Obligation to provide service and supervised maximum rates for the BSA 

service through fiber 

On October 12, 2021, a hearing was published according to which the Minister of 
Communications  is  considering  stipulating  in  the  Regulations  an  obligation  to 
provide service as well as supervised maximum rates for the BSA service using 
fiber to be provided in the incentive areas by the tender winner (which are identical 
to those determined for BSA service based on Bezeq's advanced network), and 
that  the  difference  between  the  retail  prices  and  the  maximum  BSA  rate  to  be 
determined  will  be  required  to  meet  the  margin  reduction  test  in  a  way  that  will 
allow for a retail margin of 20% of its national retail price. 

The regulations for use set maximum fees for the use and ancillary service for the use 
of a deployer’s network in the incentive areas. The maximum payment that a deployer 
in  an  incentive  area  may  require  another  licensee  for  a  broadband  access  service 
managed at a nationwide connection level is identical to that which Bezeq may require 

. 

2.16.12.7 Hearing  to  determine  maximum  rate  for  passive  infrastructure  access 

service (barrel access service) and dark fiber service 

For this matter see section 2.16.1.8. 

2.17. Material 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. The trust deeds in respect of debentures (Series 6, 7, 9, 10, 11, 12, 13, 14) issued by 

Bezeq. 

For this matter, see details in Note 13 to the 2021 statements and in Section 4 of the 
Board of Directors' Report. 

2.17.2. Real estate 

2.17.2.1  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. 

2.17.2.2  Settlement agreement dated May 15, 2003 between Bezeq and the State 
and the Israel Land Administration regarding the rights relating to the land. See 
section 2.7.4.3. 

2.17.2.3  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 

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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. 

2.17.3. Labor agreements 

2.17.3.1  Special collective agreement from December 2006 

For this agreement and amendments thereto, see Section 2.9.4. 

2.17.3.2  Agreements with alternative entities instead of a comprehensive fund in 
everything related 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")  to  regulate  pension  payments  for  early  retirement  of  Bezeq 
employees,  as  well  as  the  differences  in  old-age  and  survivors'  pension 
payments,  to  employees  who  retire  from  Bezeq  under  a  special  collective 
agreement  for  retirement  which  was  signed  between  Bezeq,  the  employees’ 
representation and the Histadrut on February 12, 2014. The insurance policy was 
approved by the Supervisor of Insurance and it entered into force 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 three times) is 
until the end of 2024. 

2.18. Legal Proceedings 

reporting  policy 

is  based  on  qualitative  considerations  and  quantitative 
Bezeq's 
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 average adjusted 
net  profit  (as  defined  in  Section  1.6)  according  to  Bezeq's  consolidated  annual  statements 
from  the  past  three  years  (2019-2022).  Therefore,  in  the  absence  of  relevant  qualitative 
considerations,  this  section  describes  legal  proceedings  to  the  extent  of  NIS  70  million  or 
more48, 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)49. 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. 

Date 

a. 

  January 
2015 

2.18.1. Procedures are pending 
Type of 
procedur
e 

Court 

Sides 

Details 

Shareholder 
vs. Bezeq 
and former 
Bezeq 
executives 

District 
(Tel Aviv 
- 
Economi
cs 
Departm
ent) 

Motion for 
approval 
of a class 
action 

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  from  the 
investing  public"  regarding  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 

Claim 
amount 
(NIS 
millions) 
687 

48  

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.  

49  In  view  of  the  update  of  the  materiality  threshold,  as  of  the  date  of  approval  of  this  periodic  report,  no  legal  proceedings  are 
described in the periodic report for 2020 that do not reach the current materiality threshold as follows: Section 2.18.1 (12) (section 
number in the Periodic Report for 2020). 

77 

 
 
 
 
 
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Date 

Sides 

Court 

Type of 
procedur
e 

Details 

Claim 
amount 
(NIS 
millions) 

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. 

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 Company 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 

78 

502 

b. 

  March 
2015 

Shareholde
r vs. Bezeq 
and former 
Bezeq 
executives 

District 
(Tel Aviv 
- 
Economi
cs 
Departm
ent) 

Motion for 
approval 
of a claim 
as a 
derivative 
claim 
together 
with a 
derivative 
claim 
statement 

 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

Date 

Sides 

Court 

Type of 
procedur
e 

Details 

Claim 
amount 
(NIS 
millions) 

c. 

November 
2015 
And March 
2018 

Customer 
against 
Bezeq 

Central 
District 
Court 

Two 
claims 
together 
with 
motions 
for 
approval 
as class 
actions 

556 in the 
motion 
from 
November 
2015  
and 258 in 
the motion 
from 
March 
2018 

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 the applicant, which includes additional allegations relating, inter 
alia, to the independence of the entities that advised Bezeq, alleged 
defects in the work of 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 
Section 1.1.6) 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 July 10, 2022, in light of the Securities Authority's 
investigation and indictments filed later in it (see Section 1.1.7). 
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 Subsection H. 

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.  
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 its claims. It should be noted that in 
the  same  announcement,  Bezeq  informed  the  Court  that  on 
February  25,  2019,  it  filed  an  administrative  petition  against  the 
decision of the Director General 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. 
On  November  1,  2021,  the  Attorney  General  announced  his 
appearance  in  this  proceeding  and  asked  for  an  order  of  stay  of 
proceedings in this proceeding until July 20, 2022. 
The Attorney General will then update on the need to further delay 
the  proceedings,  in  view  of  the  conduct  of  criminal  proceedings 
("4,000 Case ") related to this proceeding. 

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  position,  inter  alia,  by 
preventing  competition  in  the  communications  market,  thereby 
harming  the  Israeli  public  and  gaining  unreasonable  profits  as  a 
result  of  abusing  its  monopoly  power.  While  in  the  motion  from 
November 2015 the remedies and damages claimed related to the 

79 

 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

Date 

Sides 

Court 

Type of 
procedur
e 

Details 

Claim 
amount 
(NIS 
millions) 

indictments 

investigation  and 

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 
filed 
subsequently, the Court approved a motion on behalf of the Attorney 
General to continue the stay in the proceedings in the case until July 
10, 2022. 
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 H) 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. 

  June 2017 

Two 
motions 
for 
approval 
of class 
actions 

In the 
District 
Court 
(Econo
mic 
Departm
ent) in 
Tel Aviv 

Bezeq 
shareholder
s 
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 
application 
also 
against the 
former 
CEO of 
Bezeq and 
the former 
CEO and 
CFO of 
DBS) 

About 
1,240 in 
the first 
application 
and-568 in 
the second 
application 

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 violation of 
other  legal  provisions,  causing  Bezeq's  securities  holders  heavy 
financial damages, amounting to hundreds of millions of NIS, if not 
more than that. 

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 to the applicant, 
a  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 announced in 
2017 his appearance in the proceedings regarding the delay of the 
proceedings and not the body of the proceedings), the proceedings 

80 

 
 
 
 
 
 
  
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

Date 

Sides 

Court 

Type of 
procedur
e 

Details 

Claim 
amount 
(NIS 
millions) 

are delayed at this stage until July 20, 2022 in light of the Securities 
Authority  investigation  and  indictments  filed  further  thereto  (see 
section 1.1.7) 

Various 
motions 
for 
disclosure 
of 
document
s before 
submitting 
a motion 
for 
approval 
of a 
derivative 
claim in 
accordanc
e with 
Article 
198A of 
the 
Companie
s Law 
Motion for 
approval 
of a 
derivative 
claim 

e. 

  June - 
August 
2017 and 
June 2018 

Tel Aviv 
District 
Court 

Bezeq 
shareholder
s against 
Bezeq and 
DBS  

f. 

  February 
2018 

Tel Aviv 
District 
Court - 
Economi
c 
Departm
ent 

Bezeq 
shareholder
s 
against 
Bezeq  as  a 
formal 
respondent, 
as  well  as 
against 
Bezeq 
directors  at 
times 
relevant 
to 
the  motion 
and  against 
Bezeq's 
controlling 
shareholder
s 
at 
times 
relevant 
to 
the  motion, 
Shaul 
Mr. 
Elovich  and 
Mr. 
Yosef 
Elovich  (the 
"Responden
ts"). 

the 

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 
beginning  of  2017  (in  this  section:  "DBS-Space  Transaction")50. 
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 July 20, 2022, in light of the Securities Authority's investigation 
and indictments filed later in it (see section 1.1.6).  

65 
Minimum 
threshold 
219 
Maximum 
threshold 

in 

to 

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  in  the 
agreement for the 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 
the 
the  petitioners,  Bezeq's  engagement 
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 the Company’s benefit 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 
liability  and  contingent 
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. 

to  Bezeq 

(tax 

50  

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 July 20, 2022. 

81 

 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

Date 

Sides 

Court 

Type of 
procedur
e 

Details 

Claim 
amount 
(NIS 
millions) 

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 July 20, 2022, in light of the 
Securities Authority's investigation and indictments filed later there 
(see section 1.1.6). 

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  applicant,  the  controlling 
shareholder  of  Bezeq,  the  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 the 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 Section 
2.18.1b). 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 July 20, 2022, in light of 
the  Securities  Authority's  investigation  and  the  indictments  filed 
thereafter (see Section 1.1.6). 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 following the  determination  dated  September  4, 
2019  of  the  Competition  Commissioner  regarding  the  abuse  of 
Bezeq's status ("the 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  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. 

400 

Two motions (unified) for the disclosure of documents under Article 
198A  of  the  Companies  Law  for  the  purpose  of  examining  the 
submission of a motion for approval of a derivative claim regarding 
the exercise of Bezeq's rights against officers in connection with the 
Determination. It is alleged 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 that were caused and that will be caused to it. On 
June 23, 2020, Bezeq submitted a request to delay the proceedings 
in the motions for disclosure, until the work of the Claims Committee 
its 
established 
recommendations to Bezeq's Board of Directors. On July 19, 2020, 

the  submission  of 

the  purpose  and 

for 

82 

g. 

  June 2018  Shareholder 

against 
Bezeq, DBS, 
Mr. 
Shaul 
Elovich,  and 
Or 
Mr. 
Elovich 

Tel Aviv 
District 
Court 
(Econo
mic 
Departm
ent) 

Motion for 
disclosure 
and 
review of 
document
s under 
Article 
198A of 
the 
Companie
s Law 

h. 

  (1) 
Septembe
r 2019  

Customers 
against 
Bezeq 

Tel Aviv 
District 
Court 

Applicatio
n for 
approval 
of a class 
action 

(2) March 
2020 

Shareholder
s 
Bezeq 

against 

Haifa 
District 
Court 

Consolidat
ed request 
for 
disclosure 
of 
document
s prior to 
request for 
approval 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

Type of 
procedur
e 

of a 
derivative 
claim 

Motion for 
disclosure 
and 
review of 
document
s prior to 
filing a 
derivative 
claim 
Motion for 
approval 
of a class 
action 

Date 

Sides 

Court 

i. 

  November 
2020 

Shareholder 
of 
Bezeq 
against 
Bezeq  and 
Bezeq 
International 

The 
Jerusale
m 
District 
Court 

j. 

  November 
2020 

Tel Aviv 
District 
Court - 
Economi
c 
Departm
ent 

Against 
the 

Bezeq 
shareholder
s 
Bezeq, 
Company, 
Bezeq's 
CEO 
and 
members  of 
Bezeq's 
board 
directors 

of 

k. 

  January 
2021 

Bezeq 
shareholder
s v Bezeq et 
al.  

Motion for 
approval 
of a class 
action 

Tel Aviv 
District 
Court - 
Economi
c 
Departm
ent 

Details 

Claim 
amount 
(NIS 
millions) 

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 deterrmination that the petitioners claim constitutes the 
damage caused to Bezeq, may be a derivative proceeding as long 
as the above decision is not final. 
On  April  4,  2021,  the  plaintiffs  accepted  the  Court's  proposal  to 
delay the proceedings until after the completion of the work of the 
Claims Committee established by Bezeq and a decision on Bezeq's 
request  to  delay  the  proceedings.  Subsequently,  on  October  13, 
2021,  Bezeq's  Board  of  Directors  decided  to  adopt  the  Claims 
Committee's  recommendation  of  October  7,  2021,  according  to 
which in the circumstances Bezeq does not have a good cause of 
action  against  officers  and  other  officials  who  served  during  the 
relevant  periods,  and  that  conducting  legal  proceedings  will  not 
promote  Bezeq  benefit.  The  Committee  came  to  this  conclusion 
after  examining  the  implications,  benefits,  damages,  costs  and 
gains involved in conducting such legal proceedings, and came to 
the  conclusion  that  their  conduct  would  harm  Bezeq.  Bezeq 
submitted a notice to the Court. 
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. 

55-65 

"Over NIS 
2.5 million 
(for the 
purposes 
of 
substantive 
authority)" 

"about 

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 
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 
Bezeq’s  subsidiary  Bezeq 
International  (hereinafter:  “Bezeq 
International")  and  their  significant  negative  impact  on  Bezeq's 
subsidiary  and  Bezeq's  business".  The  definition  of  the  group 
according  to  the  application  is  anyone  who  purchased  the  Bezeq 
shares from August 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, 
the Company 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 the Company included misleading details in their reports. 
In  accordance  with  the  provisions  of  the  law,  in  connection  with 
Bezeq’s  and  the  Company’s  report  dated  November  9,  2020, 
according 
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  Company’s  shares  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 
motion, it was alleged that following the publication of the immediate 
report dated November 9, 2020 published by Bezeq and BCOM, the 
Company’s  share  price  decreased  by  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 the Company’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 

to  which  Bezeq 

83 

 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

Date 

Sides 

Court 

Type of 
procedur
e 

Details 

the shares of Bezeq and the Company. 

l 

April 2021  Customer 
VS Bezeq 

Central 
District 
Court 

Motion  for 
approval 
of  a  class 
action 

It  was  alleged  that  Bezeq  caused  pecuniary  and  non-pecuniary 
damages to the class members who paid an increased amount for 
a higher level of browsing speed than they could actually use, for 
upgrading the modem so that they could browse at this rate, as well 
as  for  harassment,  inconvenience,  mental  distress  and  impaired 
autonomy.  According  to  the  motion,  the  class  of  plaintiffs  must 
include  anyone  who  used  Bezeq's  Internet  infrastructure  in  the 
seven  years  prior  to  the  date  of  submission  of  the  motion  for 
approval until the date of its approval of the class action, and paid 
for  a  certain  speed  level,  while  the  infrastructure  in  his  home  is 
capable of providing speed that matches a lower speed level. 

m  May 2021 

Customers 
VS Bezeq 

Tel  Aviv 
District 
Court 

Motion  for 
approval 
of  a  class 
action 

A motion for approval of a class action lawsuit replacing a similar 
motion from May 2020 was filed and ended (see section 2.18.2). It 
was  alleged  that  Bezeq  misled  customers  who  joined  an  online 
business  advertising  service  through  B144  ("the  Service")  into 
thinking that the cost of the service depends on actual use,, up to a 
billing ceiling, while in fact Bezeq charged its customers the amount 
of the  billing  ceiling  even  if  in  practice  a lower  amount  was  used. 
Accordingly, the new motion is required to include in the definition 
of  the  class  of  plaintiffs,  on  whose  behalf  the  class  action  will  be 
conducted,  all  Bezeq  customers  and  /  or  subscribers  who  have 
registered  and  joined  service  packages  of  all  kinds  since  Bezeq 
began marketing the service, and was overcharged. 

n 

August 
2021 

Customer 
VS Bezeq 

Tel  Aviv 
District 
Court 

Motion  for 
approval 
of  a  class 
action 

It  was  alleged  that  during  the  COVID  crisis  Bezeq  charged  its 
telephony  customers  in  excess  of  the  amounts  determined  and 
approved by the Ministry of Communications under arrangements 
established in view of the increase in landline telephone use during 
the COVID crisis, which were valid for two periods (March 1, 2020 
to  June  14,  2020  and  September  21,  2020  to  June  30,  2021). 
According  to  the  motion,  the  class  of  plaintiffs  must  include  "all 
Bezeq customers in landline telephony who were charged excess 
amounts in violation of the binding arrangements during the COVID 
period  as  determined  by  the  Minister  of  Communications".  The 
applicant estimates that the size of the class is over one million of 
the  Company’s  landline  telephony  subscribers  (subscribers  who 
use alternative payment baskets). 

84 

Claim 
amount 
(NIS 
millions) 

any 

* 
The 
amount  of 
the 
class 
action 
cannot  be 
estimated. 
It 
was 
stated  that 
these  are 
damages 
amounting 
to 
NIS 
million, 
fall 
which 
within 
the 
jurisdiction 
of 
the 
Court. 
* 
The 
amount  of 
the 
personal 
claim 
is 
"NIS  8,112 
per 
applicant 
and 
future 
amount 
that  will  be 
formed 
for 
all 
members 
of 
the 
class".  The 
total 
amount  of 
the claim is 
not 
specified, 
is 
it 
but 
stated  that 
it 
is 
assessed 
in 
the 
substantive 
jurisdiction 
of 
the 
Court. 
* 
The 
amount  of 
aggregate 
damage  is 
estimated 
at 
more 
than  NIS 
2.5 million. 

 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

2.19. Targets 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  

2.19.2.1  Vision and purpose 

Bezeq has set itself the target 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 targets: 

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.  

2.20. 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 

85 

 
 
 
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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  Section  1.7.3  and  SectioN  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  Section  2.6).  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  Section  1.7.2  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. 

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  Section  2.16.  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 Section 1.7.4.6).  

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  section  2.16.4.  For  possible  restrictions  under  the 
Centralization  Law  on  the  renewal  of  licenses  and  the  allocation  of  new  licenses,  see 
section 1.7.4.7. 

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  section  2.16.1).  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 sections 
2.16.1 (Including regarding a hearing on the determination of maximum rates for Bezeq's 
retail  telephony  services)  and  2.16.4.  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 section 
2.16.4.2). 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). 

86 

 
 
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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 sections 2.9.3 and 2.17.2.  
Also, as described in section 1.8, 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 
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 section 2.18.  

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 
2021 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 
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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

The field of communications is characterized by frequent technological changes and the 
shortening of the economic life of new technologies - see section 2.1.4. 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 
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. 
In  this  context,  Bezeq  received  three  ISO  standards  related  to  information  security 
(standards that define  and  test the  principles of  establishing, managing  and  maintaining 
information security in the organization), and as part of implementing the requirements of 
Bezeq  standards  ensures  the  availability,  integrity,  reliability  and  confidentiality  of  its 
databases. 

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 

88 

 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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 
2021 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 section 2.20.10. 

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 Communications51  

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 

Exposure to legal proceedings 

Special risks for Bezeq 

X 

X52 

X 

X 

X 

51  

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. 

52   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. 

89 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

The extent of the impact of the 
risk factor on Bezeq's operations 
Low effect 
Medium 
effect 
X 

High 
effect 

X 

Labor relations 
Restrictions  regarding  the  relationship  between 
Bezeq and companies in the Bezeq Group 
Failure of Company 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 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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 section 3.2. 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 section 3.14.2).  

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 1.5.4.2 and 3.3. 

Revenue from services 

The cellular industry is characterized by fierce competition. Competition in the industry (see 
section  3.6)  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 in recent years have caused another 
significant  erosion  of  the  average  revenue  per  subscriber.  The  growth  in  the  number  of 
postpaid  subscribers  in  the  past  few  years  has  partially  compensated  for  the  erosion  of 
prices. In 2021, the volume of mobilizations between companies has decreased compared 
to recent years, and a certain recovery was recorded in revenue from roaming services, 
after the decline that applied in 2020 due to the effects of the COVID-19 crisis on travel and 
stay abroad (see Section 3.19.1.2). In addition, at the end of 2020, companies in the market 
began to offer packages with a higher browsing volume that allow subscribers to browse 
with 5G technology, and whose prices are higher than 4G packages. 

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 2021, 
fierce competition continued in this area, which was exacerbated due to the consequences 
of the COVID virus crisis, as well as due to the global chip crisis that led to damage to the 
supply of some of the leading models of the various manufacturers in the market. 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. 

A signifant part of all end equipment is 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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rate53. The estimated penetration rate as of September 30, 2021 is approximately 120%. 

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  operates  additional  network  features  that  include  CARRIER 
AGGREGATION and MIMO8x8 in 5G. 

Pelephone  offers  technology-based  services  IMS54:  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 section 3.8.2. 

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  Growth in the number of subscribers to 5G routes, with a larger browsing 

volume. 

3.1.6.4  Competitive price level. 

3.1.6.5  Wide and varied distribution channels. 

3.1.6.6  A  variety  of  service  channels,  including  digital  channels,  that  provide 

efficient and quality support and service to a large variety of customers.  

3.1.6.7  Adjusting  the  cost  structure  and  implementing  operational  streamlining 

that make it possible to cope with increased competition. 

53   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). 

54  IMS - IP Multimedia Sub System - A system at the core of the network that is used, among other things, for switching calls made 
over IP networks (for example: Voice over LTE, Voice over Wifi). These two services are provided in combination to provide 
coverage within homes and to reduce traffic over the 3G network. The infrastructure will be used for additional services, such 
as One Number, Rich Call Services and more. 

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3.1.6.8  A brand that represents a quality, reliable and advanced network. 

3.1.6.9  High quality and skilled personnel. 

3.1.7.  The main barriers to entry and exit55 

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 section 3.7.1.3). 

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 in the 
past few years, rates 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).  

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  (who  holds  Golan  Telecom)  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. 

3.1.8.4  Public appeal on private networks 

On December 1,  2021, the Ministry of Communications issued  a public appeal 
regarding  private  networks,  in  which  it  seeks  to  hear  the  public's  position, 
including  for  the  purpose  of  understanding  the  needs  of  companies  and 
enterprises  that  will  enter  this  field,  and  emphasizing  the  issue  of  allocating 
frequencies  to  this  service  model  (possibility  to  tender  dedicated  frequencies 
among the cellular companies as well as to other private entities that will choose 

55   Some of the above entry and exit barriers apply in a partial and limited manner to virtual operators. 

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to enter the field). Pelephone submitted its response to the public appeal. 

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: 

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  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. 

3.2.1.4  Private  cellular  networks  with  LTE  (Long  Term  Evolution)  or  5G 
technology  -  Pelephone  offers  business  customers  the  installation  and 
maintenance of a private cellular network in the business customer's complex. A 
private network provides the business customer with various benefits, including: 
business continuity, bandwidth management between the customer's end users, 
low  latency,  connection  to  IoT  devices,  contribution  to  securing  the  customer's 
networks and systems, and more. 

3.2.1.5  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. 

3.2.1.6  Additional services 

a. 

IoT (Internet of Things) services - Pelephone offers its customers advanced 
IoT  solutions  such  as  smart  building  networks  with  command  and  control 
systems, and more. 

b.  PTT (Push to Talk) services - Pelephone offers its business customers some 
of  the  most  advanced  PTT  services  in  the  world,  which  enable  fast  and 
secure corporate communication at the push of a button. 

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) 

2021 
1,642 
71.7% 
647 

2020 
1,591 
72.8% 
595 

2019 
1,709 
72.4% 
653 

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Products and services 
Rate of Pelephon’s total revenue 
Total revenue 

2021 
28.3% 
2,289 

2020 
27.2% 
2,186 

2019 
27.6% 
2,362 

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 
2021 
1,361 
928 
(*) Revenue from customers in business tracks includes revenue from hosting agreements, which 

2019 
2020 
1,194 
992 

2018 
2019 
1,334 
1,028 

were received mainly from Rami Levy. 

At the end of 2021, the number of Pelephone subscribers was approximately 2.6 million, including 
approximately 2.1 million postpaid subscribers and approximately 0.4 million prepaid subscribers.  

Pelephone markets packages with an increased volume of use that are also adapted to the needs of 
5G, and as of the date of publication of the report, Pelephone has about 550,000 subscribers in such 
packages. 

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 in recent years. This 
competition is reflected in the transition of subscribers between operators and in 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 section 3.17). 

Below is data, to the best of Pelephone's assessment, about the number of subscribers of 
Pelephone and its competitors over the years 2020 and 2021 (thousands of subscribers, 
approximately): 

Pelephon
e 

2,442  

Cellcom 
(includin
g Golan 
Telecom) 
(3) 
3,204 

Partner(3
) 

Hot 
Mobile(2
) 

MVNO 
And other 
operators(
1) 

Total 
subscriber
s in the 
market 

2,836 

1,653 

803 

22.3% 

29.3% 

25.9% 

15.1% 

2,547 

3,246 

3,019 

1,674 

7.3% 

791 

22.6% 

28.8% 

.8%62

14.8% 

7.0% 

10,938 

11,277 

As of 
December 
31, 2020  

As of 
Septembe
r 30,  
2021 

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. 

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(2) Hot Mobile's Q3/2021 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, 2021, based on Cellcom 

and Partner reports to the public. 

3.6.2.  Infrastructure sharing and granting network use right agreements 

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. 

3.6.3.  Positive and negative factors that affect Pelephone's competitive position 

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, especially against the 
background of the progress of the deployment of the 5G 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.  Property, plant and equipment and facilities 

Pelephone's  property,  plant  and  equipment  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 

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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 
transferred from one end device to another. On  December  10,  2020,  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. It should be noted 
that  Pelephone's  2G  network  has  been  shut  down  by  it.  Following  a 
secondary hearing published by the Ministry on this issue, on June 27, 2021, 
the Ministry of Communications made a decision at a hearing according to 
which  2G  and  3G  networks  will  be  shut  down  on  December  31,  2025  (or 
earlier, at Pelephone's request, while meeting the set conditions), as well as 
setting schedules for stopping the import and connection to the network of 
devices  that  do  not  support  new  technology.  Pelephone  is  preparing  in 
accordance with the above decision to close its 3G network, according to the 
schedules set in the decision.. 

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 2,500 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 section 3.1.5). 

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  is  acting  to  implement  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 section 3.14.3. 

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.  On  January  19,  2022,  the 
decision  of  the  Israel  Lands  Administration  to  extend  the  period  of  the  roof 
agreement from December 31, 2019 to December 30, 2024 was amended, with 
various changes. An addendum regarding the extension and implementation of 

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various changes to the roof agreement has not yet been signed. 

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  Shortage IN Radio frequencies 

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 

Pelephone has the right to use frequencies by virtue of the mobile radio telephone 
license and the Telegraph Order in the ranges of 850 MHz56 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 
section  3.1.5)  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 September 30, 2022, 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). 

For frequencies in the 800 MHz range allocated to Pelephone instead of the 850 
MHz frequencies (see Section 3.8.2.3), Pelephone intends to use LTE technology 
for network deployment towards the end of 2022, and to operate it during 2023. 

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.    

56 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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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. On June 27, 2021, 
a decision was made by the Ministry of Communications regarding an extension 
of the allocation of frequencies in 850 MHz and 2100 MHz ranges that Pelephone 
holds, until December 31, 2030 (it is clarified that the extension of the 850 MHz 
frequency is subject to description above, regarding the exchange of frequencies 
in the first giga field). 

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.  

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: 

a.  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. 

b.  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 section 3.19.3.10.  

The  following  are  the  conditions  under  which  Pelephone  won  the  allocation  of 
such frequencies: 

a.  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. 

b.  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 (the discount depends on the Company's compliance 
with  graded  annual  engineering  targets,  which  will  be  examined  by  the 
Ministry of Communications every year). On October 27, 2021, the Ministry 
of Communications announced that Pelephone was entitled to a grant in the 

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amount of NIS 74 million for the deployment of 5G sites. 

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  enables  supporting  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, and will allow, among other things, expanding a variety 
of  advanced  cellular  uses,  such  as  smart  cities,  IoT  services,  mission  critical 
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 2021 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 
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, 

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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:  

Number of employees 
20
31.12.

31.12.

202

1

Division 

and 

and 

Management 
administration divisions 
Private 
customer divisions 
Engineering  and  Information 
Systems Divisions 
Total 

business 

192 

1,190 

386 

1,768 

20
210 

1,

290

400 

900,1

The number of employees included in the table above includes employees employed part-
time. The total number of jobs57 in Pelephone as of December 31, 2021, was 1,572 (as of 
December 31, 2020 - 1,619). 

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. 

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. 

On  the  announcement  dated  June  23,  2021  on  behalf  of  the  new  General  Workers’ 
Histadrut - the Internet and High-Tech Cellular Workers’ Union on the declaration of a labor 
dispute, among other things, regarding the refusal of the joint management of Pelephone, 
Bezeq  International  and  DBS  to  negotiate  on  various  matters  that  was  received  at 

57The 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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Pelephone’s offices, see Section 4.8. On August 2, 2021, the employees' representations 
at Pelephone and Bezeq International began taking a variety of organizational sanctions, 
which  according  to  the  employees'  representations  have  a  direct  connection  to  the 
synergies between Pelephone, Bezeq International and DBS. On Pelephone and Bezeq 
International's  announcement  of  the  protective  shutdown  in  the  companies,  see  Section 
4.8.  On  November  1,  2021,  the  subsidiaries  reached  agreements  in  principle  with  the 
Histadrut and the employees representatives on the cessation of sanctions and the entry 
into negotiations. For more information on this matter, see Section 4.8. 

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, with whom there is an agreement that requires 
defined  procurement  targets  and  is  valid  until  March  2024,  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  2021  was 
approx.14.4% and approx.12.4% (respectively) of Pelephone’s total purchases from all of 
Pelephone’s  suppliers58.  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. 

It should be noted that a global chip shortage caused, among other things, a shortage and 
difficulties in the supply of end equipment from Bezeq's main suppliers. 

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 equity 

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). 

58  All suppliers - All of Pelephone’s suppliers, including suppliers who are not suppliers of end equipment and electronic devices. The 
rate  of  purchases  from  suppliers  Apple  and  Samsung  out  of  the  total  purchases  of  the  Bezeq  Group  from  all  its  suppliers  is 
approximately 7.2% and 5.8% (respectively). 

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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 

3.12. Taxation 

See Note 7 to the 2021 statements.  

Credit volume 
in NIS millions 

Average credit 
days 

539 

221 
228 

260 

42 
32 

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 
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 

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possible carcinogens in humans (Group 2B)59. 

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 section 3.19.2.5.  

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 

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 
section 3.14.2.  

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 

59  

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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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 
9, 202260. 

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.  

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 72 million.  

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. 

60   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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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. On January 1, 2022, a series of legislative amendments came into force within the 
framework of the Arrangements Law, which defined the cellular infrastructure as a national 
infrastructure and created a self-licensing route for certain cellular antennas and for making 
adjustments in the various transmission facilities, as detailed below. 

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 targets 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 have reached agreements regarding the 
extension  of  the  agreement,  and  on  January  19,  2022,  the  decision  of  the  Israel  Land 
Council was published to extend the period of the roof agreement from December 31, 2019 
to  December  30,  2024,  with  various  changes.  An  addendum  has  not  yet  been  signed 
regarding the extension and implementation of various changes to the roof agreement. 

f.  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  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. 

g.  Access Facilities exempt from building permits: 

The second route in which Pelephone has deployed broadcast sites so far 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.  However,  in  view  of  the  amendment  to  the  Planning  and 
Construction Law set forth in the Arrangements Law and the self-licensing route according 
to it (see below), the route of the Access Facilities becomes redundant. 

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As of the date of the report, Pelephone operates about 460 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 
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.  This 
provision will also be repealed in light of the amendment to the Planning and Building Law 
set forth in the Arrangements Law (see details below). 

As  part  of  the  Arrangements  Law,  which  entered  into  force  on  January  1,  2022,  an 
amendment  was  received  to  the  Planning  and  Construction  Law,  which  includes  the 
removal of regulatory barriers regarding the establishment of sites. The main amendment 
is the granting of an exemption from licensing procedures for placing and using facilities up 
to  6m  on  the  roof  of  a  building,  an  exemption  for  replacing  a  transmission  facility,  an 
exemption for adding an antenna to a transmission facility established under the Planning 
and Building Law and an exemption for replacing masts up to 18m high. The amendment 
to the Planning and Construction Law also includes a new classification of "transmission 
facilities  for  communications  using  the  Thai  method",  as  defined  in  Article  202B  of  the 
Planning  and  Construction  Law,  as  "national  infrastructure",  and  a  new  classification  of 
NAP 36A as "a detailed national master plan for national infrastructure". The amendment 
to the Planning and Building Law facilitates the replacement of antennas, the addition of 
an antenna to existing sites, and the strengthening of masts. All, under the technical and 
practical conditions set out in the amendment. These facilities will continue to meet all the 
conditions  of  NAP  36  and  spatial  guidelines  of  the  local  committees,  with  the  actual 
meaning  of  the  amendment  being  the  possibility  of  a  "self-licensing"  route  -  that  is, 
performing  a  self-licensing  and  control  procedure  in  the  above  cases,  and  submitting 
documents  to  the  Planning  and  Construction  Committee  retrospectively  (after  the 
completion  of  the  construction  of  the  sites).  Simultaneously  with  this  amendment,  an 
amendment was also established to the definition of "wireless access facility" in Article 27A 
of the Communications Law. As part of the aforesaid amendment, a "transmission facility 
for communication in the cellular method as defined in Article 266C2 of the Planning and 
Building Law" was removed from the definition of a "wireless access facility". This means 
that the wireless access facilities that were set up with an exemption from a permit continue 
to exist, but it is no longer possible to set up new mobile sites in the "access facilities" route, 
which is listed above). 

As part of the report of the inter-ministerial committee that served as the infrastructure for 
amendments  to  the  Arrangements  Law,  it  was  also  recommended  to  update  NPA  36A, 
which came into force about twenty years ago. 

At  this  stage  it  is  not  possible  to  estimate  the  future  consequences  as  a  result  of  the 
amendments. 

On November 14,  2021, Pelephone signed a framework agreement  to expand the  local 
collaboration in the establishment of passive infrastructure on joint mobile sites together 
with  Cellcom  and  PHI  Networks  (2015)  Limited  Partnership.  This  agreement  may  help 
establish  joint  mobile  sites.  To  the  extent  that  regulatory  approvals  are  required  for  this 
agreement, Pelephone will work to obtain them. 

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 

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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  the  Company,  various  restrictions  are 
anchored regarding cooperation between the companies (see section 2.16.8.4). 

For the amendment to the terms of the Competition Commissioner in connection with the 
merger of the Company and DBS dated April 2021, see Section 2.16.8. 

3.15. Material 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 Proceedings61   
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: 

Date 

Parties 

Instanc
e 

Proceedin
g type 

Details 

a. 

May 
2012 

Custom
er vs. 
Pelepho
ne 

District 
(Tel 
Aviv) 

Class 
action 
lawsuit 

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 

Amount of 

the claim 

(NIS millions) 

About 124  

61   For reporting policy and materiality thresholds, see section 2.18. 

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Date 

Parties 

Instanc
e 

Proceedin
g type 

Details 

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 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. 

b. 

 Novem
ber 
2013 

Custom
er vs. 
Pelepho
ne 

District 
(Tel 
Aviv) 

Monetary 
claim and a 
motion to 
recognize it 
as a class 
action 

c. 

 July 
2014 

d. 

 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 millions) 

About 300  

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 

e. 

 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. 

f. 

 April 
2017 

Custom
er vs. 
Pelepho
ne 

District 
(Tel 
Aviv) 

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  

About 80  

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Date 

Parties 

Instanc
e 

Proceedin
g type 

Details 

g. 

 October 
2017 

h. 

 April 
2018 

i. 

 April 
2019 

Central 
District 

District 
(Tel 
Aviv) 

Central 
District 

Custom
er vs. 
Pelepho
ne and 
Partner 

Custom
er vs. 
Pelepho
ne 

Customer 
vs. 
Pelephon
e, Bezeq 
Internatio
nal and 6 
other 
companie
s 

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 

Amount of 

the claim 

(NIS millions) 

About 850 

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, 

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 

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. 

The amount 
of the lawsuit 
is not 
specified, but 
in the motion 
it is estimated 
at tens of 
millions of 
NIS  

j. 

 January 
2020 

Customer 
vs. 
Pelephone 

District 
(Tel Aviv) 

Monetary 
claim  and  a 
motion to be 
recognized 
as  a  class 
action 

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. 

The amount 
of the action 
is not 
specified  

3.16.2. Legal proceedings concluded during the reporting period 
Details 

Instance  Proceeding 

Parties 

Claim 
filed 

a. 

 August 
2016 

Customers 
vs. Bezeq 

Tel Aviv 
District 
Court 

type 

A claim with 
a motion for 
approval as 
a class 
action 

Original 
claim 
amount (NIS 
millions) 
 * Claim in 
unknown 
amount 

* No exact 
estimate, 
estimated at 
tens of 
millions of 
NIS 

A motion alleging that Bezeq illegally and without 
consent charges a monthly fee for "support and 
/ or warranty" services as part of the use of its 
Internet  infrastructure,  and  unlawfully  charges 
customers  for  this  service,  that  Bezeq charged 
for Internet access services even after the end of 
the "bundle" package, and that Bezeq has added 
to the track a browsing speed that is not suitable 
for  the  existing  infrastructure.  On  March  24, 
2021, the motion was denied. In the ruling that 
dismissed  the  motion,  the  Court  ruled,  among 
other things, that the applicant did not bear the 
burden of proving, even at the apparent level of 
things,  the  existence  of  violations  and  /  or 
injustices by Bezeq that would justify approval of 
the  class  action.  Moreover,  given 
the 
circumstances, there is no homogeneous class 
that has been harmed. 
A motion which claims that Bezeq charged some 
of  its  customers  for  "antivirus  service"  while  in 
practice  it  does  not  provide  them  with  the 
service, and also that it begins to charge for the 
provision  of  the  service  from  the  conclusion  of 
the agreement with the customers and not from 
the in fact provision of service. Accordingly, the 
applicant seeks to compel 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.  On  May  26,  2021,  a 

110

b. 

 February 
2017 

Customers 
vs. Bezeq 

Central 
District 
Court 

Motion for 
approval as 
a class 
action 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

Claim 
filed 

Parties 

Instance  Proceeding 

Details 

type 

c. 

 April 2017 
and May 
2017 

Customers 
vs. Bezeq 

Tel Aviv 
District 
Court 

2 motions 
for approval 
as a class 
action 

d. 

 December 
2019 

Customer 
vs. Bezeq 

Tel Aviv 
District 
Court 

Motion for 
approval as 
a class 
action 

e. 

 May 2020  Customers 
vs. Bezeq 

Tel Aviv 
District 
Court 

Motion for 
approval as 
a class 
action 

in 

in 

the  proceeding  between 

judgment was rendered confirming a settlement 
agreement 
the 
parties.  The  settlement  agreement  includes 
compensation  for  service  customers  in  the 
amount of NIS 30 million (this amount includes 
compensation to the applicant and fees), as well 
as  benefits 
for  service  subscribers  at  an 
estimated cost of an additional NIS 5 million. 
The  matter  of  the  motions  is  Bezeq's  B144 
service,  a  service  that  allows  advertising  to 
business owners via the Internet (“the Service"), 
and according to the applicant, the respondents 
illegally charged the subscribers for the service. 
On  January  25,  2018,  the  Court  decided, 
following  motions  filed  by  Bezeq  and  other 
respondents, to dismiss the first motion in limine 
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  April  4,  2021,  a  judgment  was  rendered 
confirming  a  settlement 
the  case.  The 
settlement  arrangement  is  an  insignificant  cost 
to  Bezeq  of  approximately  NIS  2  million  and 
includes partial compensation to the members of 
the plaintiffs' class for the collection of exit fees 
from the Service. 
It was alleged that Bezeq attached the applicant, 
when ordering a regular telephone line, also to 
another service (voicemail and caller ID) without 
his  knowledge  and  without 
it. 
Accordingly, the applicant seeks to include in the 
definition of the class of plaintiffs in whose name 
the  class action is  sought  all  those  charged  by 
Bezeq for ancillary service to telephone service 
without  Bezeq  receiving  his  request  and  /  or 
express consent to order the ancillary service, in 
the  seven  years  prior  to  approval.  On  May  18, 
2021,  the  Court  issued  a  ruling  ordering  the 
striking out of the motion for approval following 
the  applicant's  motion,  after  the  applicant  was 
found  unsuitable  to  serve  as  a  representative 
plaintiff  in  the  proceedings.  That  ended  the 
procedure. 
It  is  alleged  that  Bezeq  misled  customers  who 
joined 
the  B144  online  business  service 
(advertising  for  businesses  online  through  the 
B144 website) (“the Service") into thinking that 
the cost of the service depends on actual usage 
up to a billing ceiling, while actually charging its 
customers the ceiling even if they actually used 
less. Accordingly, it is requested to include in the 
definition of the class of plaintiffs, in whose name 
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 
who were charged in excess. 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 motions that "these are thousands or tens of 
thousands  of  consumers."  In  addition,  non-
pecuniary damage was generally claimed. 
On  May  8,  2021  a  decision  was  given  by  the 
Court that the applicant's request to amend the 
motion for approval of a class action by way of 

requesting 

111

Original 
claim 
amount (NIS 
millions) 

* The amount 
of the claim 
cannot be 
estimated 

Cannot be 
estimated at 
this stage, 
and is over 
NIS 2.5 
million 

"NIS 27,537 
per applicant 
and any 
future amount 
to be 
crystallized 
for all 
members of 
the class" 
(Next to 
which is 
handwritten 
"NIS 
908,721,000") 

 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

Claim 
filed 

Parties 

Instance  Proceeding 

Details 

type 

Original 
claim 
amount (NIS 
millions) 

f. 

 October 
2020 

Jerusalem 
District 
Court 

Bezeq 
Shareholder 
VS. Bezeq 
and Bezeq 
International 

Motion for 
disclosure 
and review 
of 
documents 
prior to filing 
a derivative 
claim 

replacing  the  representative  plaintiff  in  the 
motion was denied (especially after the applicant 
was found unsuitable to serve as a class action 
plaintiff) and thus ended the proceeding. 
It should be noted that in May 2021 a new motion 
was  filed  for  approval  of  a  class  action  in  the 
same  matter  which  was 
filed  by  another 
applicant  with  the  Tel  Aviv  District  Court  (see 
Section 2.18.1). 
A  motion  in  the  framework  of  which  an  order 
addressed to the respondents for disclosure and 
review  of 
regarding 
various  documents 
collection  from  Bezeq  International  customers 
was  requested.  According  to  the  clains  in  the 
false 
motion, 
representations that led to an inflation of Bezeq 
International  by 
reports 
including 
"dormant  subscribers"  who  do  not  use  Bezeq 
International's services but  continue  to  pay  it  a 
subscription  fee.  For  this  matter,  see  also 
Section 4.4. On December 29, 2021, the Court 
dismissed  the  claim  in  light  of  the  applicant's 
notice of withdrawal. 

respondents  made 

their 

the 

in 

3.17. Targets and business strategy 

Pelephone's strategic targets are continued growth in its customer base while promoting a variety of 
packages and solutions to customers and promoting services based on the 5G network, continuing 
to develop innovation and network technologies and providing excellent service and improvement in 
the cost structure. 

3.18. Expected development in the coming year 

In 2022, 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  2022,  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 2022, Pelephone is expected to continue to promote a number of services and products 
that  will  enable  increased  revenue  and  image  advantage  over  competitors:  private 
networks,  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, and increasing the marketing of service packages based on the 5G network, the 
trend  of  increasing  the  consumption  of  data  communication  volume  on  the  network  will 
continue. 

3.18.4. Digital transformation 

In 2022, 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  2021,  Pelephone  continued  to  implement  synergy  processes  with  the  Group's 
subsidiaries.  For  details,  see  section  1.8.  These  processes  are  expected  to  continue  in 
2022. 

3.18.6. 5G network 

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In 2022, 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 
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. Also, changes in price indices may affect site rental costs. 

3.19.1.2  Epidemic and supply chain - 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.  In  2022  there  was  a  partial 
recovery  from  this  impairment,  given  the  mitigation  of  the  consequences  of 
COVID-19. 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 2022 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 in relation to the 
same revenues in the period before the pandemic, 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 and the supply chain.  

3.19.1.3  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. 

3.19.2. 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, 

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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 – a significant portion of the sales  of end equipment  is 
done  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  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 
encountered  by  Pelephone  in  setting  up  and  licensing  websites,  see  section 
3.14.3. These difficulties can impair the quality of the existing network and even 
more so the deployment of a new network. 

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. 

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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). 

An  additional  risk  is  posed  by  information  leaking  out  of  the  organization  by  a 
Pelephone  employee,  accidentally  or  maliciously.  Pelephone  implements  strict 
internal corporate information security policies and procedures in order to reduce 
the risk of information leakage. 

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 
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  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. 

3.19.3.4  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. 

3.19.3.5  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 Section 3.10.2. 

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3.19.3.6  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. Regarding labor disputes at Pelephone, see Section 3.9.5. 

3.19.3.7  Loss of knowledge and information - the changes that are taking place in 
the  labor  market  in  Israel  and  around  the  world,  along  with  organizational 
changes, entail a risk of losing key employees, loss of knowledge as a result of 
employee turnover, difficulty in recruiting employees, etc. 

3.19.3.8  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 
Section 2.20.12.  

3.19.3.9  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 
3500MHz  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. 

3.19.3.10 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 

Small 
effect 

High 
effect 

Macro risks 
Exposure to changes in exchange rates  
Epidemic and supply chain 
Damage due to force majeure, war, disaster 
Industry risks 
Infrastructure 
changes 
Competition 
Customer credit 
Regulatory developments  
Electromagnetic radiation 

investments  and 

technological 

X 

X 

X 

X 
X 

X 

X 

X 

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X 

X 

X 

X 
X 

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 
Epidemic malfunctions in devices 
Legal proceedings 
Substantial suppliers and customers 
Labor relations  
Loss of knowledge and information 
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 

X 

X 

X 

X 

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). 

Regarding regulatory changes in the Internet services market for private customers, 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 sections 1.5.4.3 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 multiplicity of free 
apps that allow calls over the Internet. The erosion trend in the international call market 
continued in 2021. 

4.1.5.  In  the  field  of  ICT  services,  there  was  an  increase  in  2021  in  demand  for  hosting 
services  in  server  farms,  as  well  as  for  the  public  cloud  services  of  international 
companies. 

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 
in  NIO  or  cellular  infrastructure),  affected  by  frequent 
the 

investments 

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technological changes. In IPV technology in this area, the impact of these barriers 
is significantly reduced. 

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) 
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 based on DSL, transmissions or cables infrastructure, Internet access services 
are  provided  by  Bezeq  International  in  the  following  configurations:  (a)  "Retail  market" 
services: Internet access service, without infrastructure services; (B) "Wholesale Market" 
services: an integrated package that includes an Internet access service together with the 
Internet  infrastructure  service  of  the  infrastructure  companies  included  in  the  wholesale 
market  reform;  (C)  "Bundle"  or  "Reverse  Bundle"  packages:  a  combined  package  that 
includes an Internet access service together with Bezeq's Internet infrastructure service, 
provided by Bezeq International (in the case of  a bundle) or  by Bezeq (in the case of a 
reverse  bundle);  And  (d)  packages  that  include  Bezeq  International's  Internet  access 
services, Bezeq's infrastructure services and DBS’s STING TV brand - 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. 

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, and through underwater cables owned by other companies, from which 
Bezeq International acquires capacities (see details in Section 4.9). Among the largest 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. 

It  should  be  noted  that  revenues  from  Internet  services  are  expected  to  be  materially 
harmed as a result of the Ministry of Communications' decision to abolish the separation 
between broadband infrastructure service and Internet access service (ISP) (see Section 
4.11.5.4). 

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 

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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. 
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 
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 
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 hosting services, maintenance and technical support services 
for  IT  and  communication  systems,  networking  and  system  services,  security  &  risk 
management solutions, IP-based managed services, Cloud computing services, licensing 
for Microsoft Public Cloud services, online backup and disaster recovery services, setting 
up wireless networks at the customer site 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"). 

4.2.5.  PBX Services (swithcboards) 

Bezeq  International  markets  and  maintains  communication  systems  that  include 
exchanges, telephony networks and IP communications 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  

Rate of total Bezeq International revenues 

International communication 

Rate of total Bezeq International revenues 

VOICE and Business Communication services 
(PBX, ICT, DATA) 

Rate of total Bezeq International revenues 

Equipment, licensing and service contracts for 
businesses 

Rate of total Bezeq International revenues 

Total revenue  
4.4.  Customers 

2021 
683 

55% 
177 
14% 
142 

11% 
235 

19% 
1,237 

2020 
710 

57% 
181 
14% 

131 

10% 

249 

20% 

1,271 

2019 
746 

56% 
198 
15% 

106 

8% 

289 

22% 

1,339 

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)62: 

2021 

2020 

2019 

62   The data are after changing the classification of small customers (SOHO) from private customers to business customers carried 

out in 2019. 

119

 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

Revenue from private customers 
Revenue from business customers 
Total revenue 

372 
865 
1,237 

401 
708

1,2

71

441 
898 
1,339 

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 as redundant 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 a 
letter to the carriers 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 it. The Ministry recommended 
in its application 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 written that the 
Ministry will consider in the future whether to set binding provisions in the matter, should and initiated 
actions will not lead to a significant reduction in this matter. On November 8, 2020, another letter was 
received from the Ministry of Communications, according to which the Ministry expects that the next 
reporting  point  (set  for  December  17,  2020),  the  reported  data  will  reflect  the  reduction  of  the 
phenomenon in a significant manner, that a date should be provided at this time on how the licensee 
acts to prevent the recurrence of the phenomenon, and, like its previous letter, that as long as the 
phenomenon is not significantly reduced, the Ministry will take various actions, including establishing 
binding provisions in this regard. In Bezeq International's assessment, the abolition of the separation 
of infrastructure provider will lead to a significant reduction in the scope of the phenomenon. 

For this matter, see also Note 10.6 to the 2021 reports. On 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 Section 1.7.2.3), and Bezeq International services are sold by 
DBS, as part of the marketing of "TRiple" packages (see Section 4.2.1). 

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, 2021 at about 34%63.  

4.6.1.2  Competition in 2021 is characterized by a decrease in the number of retail 
market  package  subscribers,  along  with  an  increase  in  the  "reverse  bundle" 
package subscribers sold by Bezeq. 

4.6.1.3  The following are developments in 2021:  

a.  Continued 

trend  of  selling  service  baskets,  especially  against 

the 
backgroundThe activity of a wholesale sales model (supplier + infrastructure) 
in 2021. 

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. In 2021, Bezeq International began offering its customers 
packages  with  high  browsing  speeds 
fiber 
infrastructure. 

the  Company's 

through 

63   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. 

120

 
 
 
 
 
 
 
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c.  a decrease in customers joining the retail market services was recorded, and 
on  the  other  hand  there  was  an  increase  in  joining  "reverse  bundle" 
packages.  

d.  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 continues. 

4.6.2.  International telephony services 

4.6.2.1  As of the end of 2021, 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, 2021 is approximately 22.6%64. 

4.6.2.2  General characteristics of the competition in 2020: 

a. 

In  2021,  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  2021,  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. 

4.6.3.3  Hosting services - In 2021, there was an increase in demand for hosting 
services in server farms, partly as a result of the trend in the business market to 
move  to managed services (as a service)  and services in cloud environments, 
and in view of the intention of giant companies to establish points of Presence in 
Israel. 

4.6.3.4 

Public Cloud Services - In recent years there has been a growing demand 
for  public  cloud  services  offered  by  companies  such  as  Amazon,  Microsoft, 
Google  and  Oracle.  Bezeq  International  serves  both  as  a  marketer  (selling 
directly  to  customers)  and  as  a  distributor  (selling  through  sub-marketers)  of 
licensing  Microsoft's  cloud  services  to  customers  in  Israel,  and  implementing 
these service solutions for customers. 

4.6.4.  Unique characteristics 

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. 

The  fact  that  Bezeq  International  does  not  own  interior  access  infrastructures  is  a 
competitive disadvantage compared to competitors that control such infrastructures. 

4.7.  Property, plant and equipment and facilities 

Bezeq  International's  property,  plant  and  equipment  include  switching  and  Internet  equipment, 
underwater  cable,  central  equipment  and  routers  for  rent,  office  equipment,  computers,  software 

64   Based on publications from the Ministry of Communications regarding the number of minutes spent in the second quarter of 

2021. 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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 that house its 
offices. 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 2023 (with two equal options for extension until 2027). 

Bezeq International has a lease agreement for a building with a server farm. The lease period is until 
August 2026, followed by two additional options for extension until 2036. 

Bezeq International has additional lease agreements in connection with warehouses (including the 
logistics center), 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 years 2020 and 2021: 

Administrative employees 
Service and sales representatives 
Total 

31.12.2021 

31.12.2020 

758 
363 
1,121 

827 
484 
1,311 

The number of employees included in the table includes employees employed part-time. Total jobs 65 
Bezeq International as of December 31, 2021 was 1,047 compared to 1,228 as of December 31, 
2020.  

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 
65   Total monthly working hours divided by the monthly working hours quota.  
Audit 
* 

Technologie
s 
informatio
n Division 

Business 
Custome
rs 
Division 

Global 
Busniess
es and 
Business 
Solutions 
Division 

Finance 
and 
Econom
ics 
Division 

122

Custo
mer 
Divisi
on** 

Marke
ting 
Divisi
on 

Public 
Relatio
ns 

Legal 
advice 
and 
regulatio
n 

Engine
ering 
Divisio
n 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

(*) 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 
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 Employees’ 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. According to the 
Notice, the issues in the dispute are: Unilateral intention to make changes in the communications 
market and allow the Company 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. 

On March 24, 2021, Bezeq International was notified by the New General Workers’ Histadrut - the 
Internet and High-Tech Mobile Workers' Union, of a declaration of a labor dispute in accordance with 
the  Labor  Disputes  Resolution  Law,  5717-1957  and  a  strike  starting  on  April  7,  212  onwards. 
According to the announcement, the issues in the dispute are: Unilateral intention of Management to 
make organizational and structural changes in Bezeq International, including a merger, consolidation 
of activities, synergy, etc. with DBS and / or Pelephone, which, if implemented, will critically affect 
the employees, including working conditions, rights, status, job security, injury to the organizational 
force and the bargaining unit. 

On  June  23,  2021,  the  Bezeq  International  offices  received  a  notification  from  the  New  General 
Workers'  Histadrut  -  the  Internet  and  High-Tech  Cellular  Workers'  Union,  declaring  a  joint  labor 
dispute  at  Bezeq  International  and  Pelephone  in  accordance  with  the  Labor  Disputes  Resolution 
Law,  5717-1957,  and  a  strike  from  July  7,  2021  onwards.  According  to  what  is  stated  in  the 
announcement,  among  others,  are:  the  refusal  of  the  joint  management  of  Pelephone,  Bezeq 
International and DBS (“the Joint Management") to conduct negotiations regarding the change of 
the bargaining unit in connection with the change in the corporate structure; The refusal of the Joint 
Management to enter into negotiations to regulate the rights of Bezeq International employees and 
their job security due to the said change in corporate structure, and an action in bad faith of the Joint 
Management, including foreign and improper considerations in the corporate and structural change 
plan. On July 1, 2021, Bezeq International filed a petition with the Tel Aviv Regional Labor Court for 
a collective dispute, as well as an urgent motion for remedies for the prevention of organizational 
measures, regarding the notice. The motion alleges that the notice is invalid because it was submitted 
in a combined and unified manner in Bezeq International and Pelephone, in an attempt to produce a 
unilateral  and  unanimous  change  of  collective  bargaining  units  and  the  establishment  of  a  joint 
employees’  committee  known  as  the  "Alpha  Committee"  for  the  subsidiaries,  including  DBS.  At  a 
hearing  held  on  July  4,  2021,  it  was  agreed  that  (1)  Pelephone  and  DBS,  which  were  formal 
respondents in the proceedings, will be attached as petitioners in the proceedings; (2) Both Bezeq 
International and Pelephone will negotiate with their employees’ committees regarding the sale of 
control of Bezeq; (3) Until a different decision is made, the respondents (the General Employees’ 

123

 
 
 
 
 
 
 
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Histadrut and the Employees’ committees at Pelephone and Bezeq International) will not strike due 
to  the  dispute  over  the  sale  of  control.  Regarding  the  bargaining  unit,  it  was  determined  that  the 
tribunal  will  give  a  decision,  after  submitting  all  the  responses  and  providing  an  opportunity  to 
question the makers of the affidavits. 

On July 7, 2021, a decision was made by the tribunal on the consolidation of the hearing in the two 
disputes (sale of control and the bargaining unit). At a hearing held in the court on July 27, 2021, 
Bezeq International withdrew its request for interim relief, and  it was agreed that the  negotiations 
between the parties would continue under certain auspices of the Court. The main proceedings will 
continue to be clarified. In the meantime, the parties submitted additional statements of claim on their 
behalf, but the hearing of the motion was delayed by agreement in view of the negotiations and the 
mediation procedure between the parties as detailed below. 

On  August  2,  2021,  the  employee  representations  of  Pelephone  and  Bezeq  International  began 
taking  a  variety  of  organizational  sanctions,  which  according  to  the  employee  representatives' 
announcement have a direct connection to the synergies between Pelephone Bezeq International 
and DBS. On August 30, 2021, Bezeq International and Pelephone filed a motion as a party to a 
collective dispute and an urgent motion for temporary remedies against certain strike measures by 
the employees’ representatives. On August 30, 2021, a decision was issued preventing a strike in 
control  rooms,  support  centers,  call  centers  and  server  farms  and  other  issues  specified  in  the 
motion.  In  another  decision  dated  September  9,  2021,  this  order  was  extended  until  a  different 
decision is made. The employees’ representation continued to run other organizational measures. 

In view of the continuation of the sanctions, on October 19, 2021, Pelephone and Bezeq International 
(each  separately)  (in  this  section:  "the  Subsidiaries")  submitted  to  the  Chief  Labor  Relations 
Commissioner in the Ministry of Economy a notice of protective shut-down under Article 5A of the 
Labor  Disputes  Law,  5717-1957.  The  notices  explained  that  the  continued  sanctions  in  the 
subsidiaries may result in no economic reason and / or operational possibility for certain processes 
to take place in the Subsidiaries. The date of commencement of the protective shut-down and the 
number of employees whose work will be suspended as part of the said shut-down, insofar as it is 
taken in each of the Subsidiaries, depends on the organizational measures and sanctions to be taken 
by the employees. 

On  November  1,  2021,  the  Subsidiaries,  as  part  of  a  mediation  procedure  conducted  in  parallel 
between  the  parties,  reached  agreements  in  principle  with  the  Histadrut  and  the  employees’ 
representatives,  subject  to  the  signing  of  collective  agreements,  as  well  as  an  agreement  that  all 
organizational measures (including all sanctions) will cease immediately, and intensive negotiations 
will  begin  for  signing  collective  agreements  to  regulate  employees’  rights  as  part  of  the 
implementation of the planned structural change at Bezeq International and DBS. The following are 
the main principles of the outline that was formulated: 

a.  A collective agreement will be signed between the new integration company to be established and 

the Histadrut. 

b.  Bezeq International activities that are not transferred to the new integration company will be merged 
into DBS and the employees will be absorbed as DBS employees under a collective agreement that 
will  be  signed  with  the  Histadrut  for  three  years.  The  Histadrut  and  the  Chairman  of  the  Bezeq 
International’s Employees’ Committee will continue to represent the employees moving to DBS and 
the  integration  company,  for  the  period  of  the  agreement,  including  for  the  purpose  of  signing 
collective agreements. 

c.  Permanent employees at Bezeq International who are not interested in moving to DBS will be offered 
retirement conditions as agreed between the Histadrut and Bezeq International's management. 

d.  An  agreement  was  reached  with  Pelephone’s  employees’  representation  to  maintain  the  cellular 

network owned by Pelephone for the period of the agreement. 

e.  Employees of the Subsidiaries will be entitled to a special grant to be paid to them at the beginning 
of 2022 in a total amount that is not material  at the group level. This section is  not subject to  the 
signing of collective agreements. In parallel with this agreement, the Histadrut and the employees' 
representatives of the subsidiaries waive their financial demands in the context of the labor dispute 
declared regarding the sale of the controlling shares of the Company to the new owners. 

As of the date of publication of the report, no further collective agreements have been signed. 

The collective agreements reached following the agreements in principle will be brought for approval 
by the boards of directors of the Subsidiaries. Bezeq cannot assess at this stage whether, at the end 
of the negotiations, the collective agreements will be signed as expected, or the total cost that will be 
involved. 

It should be noted that on March 16, 2022, decisions were made by Bezeq's Board of Directors as 

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well as Bezeq International's and DBS 'boards regarding the cancellation of the plan to change the 
organizational structure and approval of an alternative plan as specified in Section 1.1.5, which is 
expected to influence the continuation of conflict management and negotiations between the parties 
regarding structural change. 

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 engagement 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, and continued capacity over the Company's ground infrastructure to a number 
of communication nodes in 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 its engagement with CYTA, Bezeq International has acquired indefeasible right-
of-use,  in  an  undefined  part  and  with  a  non-specific  attribution,  in  the  communication 
capacity  transmitted  through  the  underwater  cable  system  operated  by  CYTA  between 
Cyprus and Europe. The period of use is at least until May 2022, with an option of extending 
the period. 

In  addition,  Bezeq  International  acquired  indefeasible  right-of-use  of  the  non-residential 
parts  in  an  unspecified  part  and  no  specific  attribution  can  be  attributed  to  the 
communication capacity transmitted through terrestrial infrastructure in Europe from GTT 
Communications Inc., for the purpose of bridging Bezeq International's submarine cable to 
communications nodes in Europe. The period of use of these infrastructures is at least until 
2026, with the possibility of extending the period. 

4.9.3.  Hosting service providers 

Bezeq International acquires hosting services in long-term agreements with a number of 
server  farm  facility  operators,  mainly  for  the  purpose  of  providing  hosting  services  to 
business customers: 

As part of an agreement signed in 2011, Bezeq International purchases Bezeq’s hosting 
services at Bezeq's server farm facility. These services are mostly used to provide hosting 
services  to  business  clients.  The  agreement  is  valid  until  2024  for  certain  parts  of  the 
facility, and for other parts until 2033. 

As part of an agreement signed in 2019 with Edgar Investments and Development Ltd., 
Bezeq  International  acquires  hosting  services  at  this  Bezeq  server  farm  facility.  The 
agreement is valid until 2041, with an option to terminate early in 2034. These services are 
used to provide hosting services to business customers. 

As part of an agreement signed in 2021 with CerberPharm Bnei Zion Limited Partnership, 
Bezeq  International  will  purchase  hosting  services  at  a  server  farm  facility  under 
construction  by  this  partnership.  The  agreement  is  valid  until  2039,  with  options  for 
extension until 2047. These services are expected to be used to provide hosting services. 
For business customers. 

4.10. Taxation 

See Note 7 to the 2021 statements. 

4.11. Restrictions and supervision of Bezeq International's activities 

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Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

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. 

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 refrain from preferring the provision of infrastructure 
services to a licensee who is an affiliated company (as defined in the license) 
over another licensee.  

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. Real  estate  authority  -  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 

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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 1.7.2.3. 

4.11.5.4  Also,  regarding  the  decision  of  the  Ministry  of  Communications  at  a 
hearing  dated  June  20,  2021  on  the  abolition  of  the  separation  between 
broadband infrastructure service and Internet access service (ISP), see Section 
1.7.2.3. The changes in the communications market, which are expected to be 
caused as a result of this decision, are expected to have a material impact on its 
subscriber base, and on Bezeq International's revenues in the field of the Internet. 
Bezeq  International  is  preparing  for  its  possible  effects  on  its  business  and  its 
manner of operation. 

4.12. Legal proceedings66  
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 

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 

District 
(Central) 

Monetary 
claim 
together with 
a motion to 
recognize it 
as a class 
action 

things, 

is  alleged,  among  other 

that  Bezeq 
It 
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. 

Unspecifi
ed  

66   For reporting policy and materiality thresholds, see section 2.18.  

127

b. 

 March 
2016 

c. 

 April 
2019 

d. 

 October 
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 

 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

e.  Novembe
r 2020 

District 
(Central) 

Client 
against 
Bezeq 
Internatio
nal 

Monetary 
claim 
together with 
a motion to 
recognize it 
as a class 
action 

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 

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 2.18.1i. 

4.12.2. Legal proceedings completed during the reportedperiod or until the date of publication 

of the report – None. 

4.13. Targets, business strategy and development prospects 

Bezeq International intends to perform a full statutory merger with DBS, when Bezeq International's 
integration activities will be spun-off and transferred to a new separate corporation to be established 
in the Group (see Section Error! Reference source not found) in order to achieve the following 
targets: 

In  light  of  the  abolition  of  the  separation  between  infrastructure  provider  and  Internet 
access  provider  (ISP),  Bezeq  International  intends  to  reduce  ISP  activity  in  the  private 
segment,  and  focus  on  developing  integration  activities  and  services  for  the  business 
segment, in order to become a growth-focused ICT company. This will allow managerial 
focus  and  dedication  of  resources  to  integration  activities  and  cloud  services,  which  is 
growing due to the trend of the business segment moving to a model of cloud services. 
Bezeq International will continue to acquire capabilities and knowledge both through the 
recruitment  and  training  of  personnel,  and  through  the  acquisition  of  companies  in 
complementary  fields.  Bezeq  International  will  maintain  collaborations  with  partners  in 
Israel  and  abroad  in  order  to  provide  a  full  service  envelope  to  its  customers.  Bezeq 
International  anticipates  that  the  main  growth  engines  will  be  in  the  areas  of  hosting 
services, cloud services and information security services. For further details see Sections 
1.1.5  and  1.8.  These  processes  depend  in  part  on  the  cooperation  of  employee 
representatives. 

Bezeq  International  cannot  assess  whether  the  above  objectives  may  materialize  or 
partially  materialize  and  when.  In  addition,  the  targets  may  be  affected  by  changes  and 
developments in the relevant markets, 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. 

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. Exposure to changes in exchange rates 

Bezeq International is exposed to risks due to changes in exchange rates, especially in the 
field  of  equipment  sales  and  integration,  as  well  as  in  international  data  services,  since 
most purchases of equipment and services in these areas are made in US dollars, while 
Bezeq  International's  revenue  is  shekels.  Erosion  of  the  shekel  against  the  dollar  could 

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harm Bezeq International's profitability if it is not possible to adjust selling prices in the short 
term.. 

4.14.4. 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. 

4.14.5. Epidemic 

At  the  beginning  of  2020,  an  outbreak  of  the  COVID-19  virus  began  worldwide. 
Subsequently, Bezeq International monitors developments in connection with this outbreak 
and epidemic aincidents in general and examines potential consequences for its business 
activities, with some of the consequences already being reflected in Bezeq International. 
These  consequences  may  be  manifested,  and  some  of  them  are  already  manifested, 
among other things, in the customer service system, as well as damage to the supply chain 
and delays in the purchase of equipment, which may affect Bezeq International's revenues 
and ability to meet business obligations. According to Bezeq International's estimates, as 
of  the  date  of  the  report,  no  material  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 
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. 

4.14.6. Serious malfunctions in information systems and engineering systems 

Bezeq International 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"). Bezeq International's 
business has a high dependence on these Systems. Some Bezeq International 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  physical  damage  to  infrastructure  and  due  to 
malicious damage (such as the introduction of viruses and cyber attacks as detailed below), 
significant difficulties may be caused in the provision of services, including in the event that 
Bezeq International is unable to quickly return the Systems to normal. 

4.14.7. Information security, protection of customer data and cyber risks 

Bezeq International is the target of cyber-attacks, the purpose of which is to harm the use 
of the information systems or the information itself. This type of assault activity or intrusion 
incident can cause business disruption, information / money theft, damage to reputation, 
damage to systems and information leakage. 

Bezeq International operates information security systems to protect against the intrusion 
of an unauthorized person into the network and / or critical systems. Bezeq International 
monitors the implementation of its protection policy, which includes an examination of its 
level of effectiveness and readiness. In this context, Bezeq International conducts tests and 
assault  exercises  for  various  scenarios  (including  through  external  companies  that 
specialize in the field). 

An  additional  risk  is  posed  by  information  leaks  from  the  organization  by  Bezeq 
International employees, inadvertently or maliciously. Bezeq International implements strict 
intra-organizational information security policies and procedures in order to reduce the risk 
of information leakage. 

Despite  Bezeq  International's  investments  in  measures  to  reduce  such  risks,  it  cannot 
guarantee that these measures will succeed in preventing damage and / or disruption to 
the systems and information related to them. 

4.14.8. Damage caused by nature, war, disaster 

Damage  to  the  server  farms  on  which  Bezeq  International  concentrates  its  core  activity 
may adversely affect Bezeq International's business and its results. 

4.14.9. Legal Proceedings 

4.14.10.  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 

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actions  can  reach  large  sums,  since  a  substantial  part  of  Israel’s  residents  are  Bezeq 
International’s customers, 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 or a significant part of the consumers. In addition, in certain contracts, 
mainly  in  the  government  and  public  sector  contracts,  Bezeq  International  sometimes 
enters  into  contracts  for  the  provision  of  services  subject  to  a  partial  liability  limit,  or  no 
liability limit at all. Given the sensitivity of the services provided by Bezeq International to 
these customers, in the event that the customer is harmed in such a contract, this may lead 
to legal proceedings in large amounts. For legal proceedings to which Bezeq International 
is a party, see Section 4.12.  

4.14.11.  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 Section 1.8, Bezeq International 
implements  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. 
Regarding labor disputes at Bezeq International, see Section 4.8. 

4.14.12.  Loss of knowledge and information 

The changes that are taking place in the labor market in Israel and around the world, along 
with organizational changes, entail a risk of losing key employees, loss of knowledge as a 
result of employee turnover, difficulty in recruiting employees, etc. 

4.14.13.  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 1.7.2.3) 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. 

4.14.14.  Impairment of Bezeq International's assets 

Bezeq  International  conducts,  in  accordance  with  the  accounting  standards,  a  periodic 
examination of the impairment of assets in respect of which indicators of impairment have 
been identified. For details regarding the risk factor regarding the recognition of impairment 
losses, see Section 2.20.12. Changes in the regulation of the Internet services market (see 
section 1.7.2.4) 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. 

4.14.15.  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, change in the business model 
and  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 

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factors appear above and below is not necessarily according to the degree of risk67: 

Risk factors summary table - international communications, Internet and network endpoint 
services 

The extent of the impact of 
the risk factor on Bezeq 
International's operations 
Low 
Medium 
High 
effect 
effect 
effect 

X 

X 

X 
X 

X 
X68 

Macro risks 
Exposure to changes in exchange rates 
Epidemic 
Industry risks 
Growing competition 
Investments in infrastructure and technological 
changes 
Governmental supervision and regulation 
Serious malfunctions in information systems and 
engineering systems 
Information security, customer data protection 
and cyber risks 
Special risks for Bezeq International 
Damage due to the forces of nature, war, disaster 
Legal proceedings 
Labor relations and streamlining procedures 
Loss of knowledge and information 
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 

X 

67   See footnote 51.  

68 The extent of the impact of this risk factor on Bezeq International's activities was classified as medium, assuming that the incident 

would be limited in scope and time. Otherwise, the degree of impact may be large. 

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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  Company 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  section  5.15. 
DBS and Hot provide both linear channel broadcasts (also referred to in this 
chapter as "channels") and VOD services (on regulation in the field of DBS’s 
VOD services, see Section 5.15.2). 

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 end  devices (including mobile 
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  Yes+  and 
Sting TV services, for details, see Sections 2.25.2.2.1 and 5.2.2.1), 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)

69

. 

d.  The DTT array 

A digital distribution system for digital television (DTT), known as "Idan+", 
70. 
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. 

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. 

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 

69   DBS is one of the shareholders of Zira Ltd., which works to prevent copyright infringement in video content on the Internet. 

70   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  14,  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. 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  financed by  subscription  fees  or 
commercials. 

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72

part  of  the  "open  broadcasts"  (i.e.,  television  channels  distributed  through  the 
71  consent  to 
digital  stations),  will  give  each  "registered  content  provider"
broadcast  its  linear  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 
, the commencement of the said arrangement was postponed for five 
channels
years,  which  was  extended  in  January  2022  for  another  nine  months  (until 
October 2022)73, 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. 

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  communication  groups,  see  Section  1.7.1.  For  the  offer  of  baskets  of 
communication services by DBS and the restrictions thereon, see Section 1.7.2.3. 

In the year of the report, the high level of competition continued to prevail, 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 Section 5.6. 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. 

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  July  2021,  a  report  was  published  on  the  recommendations  of  the  committee  for  the 
examination of the underlying regulation in the field of broadcasting, headed by former MK 
Roy  Folkman  ("Folkman  Committee").  The  committee's  report  includes,  inter  alia, 
recommendations on the following issues: 

A.  Abolition of the Council and the Second Authority Council, and the establishment of 

the Commercial Broadcasting Authority in their place. 

B.  Application of regulation to all audiovisual content providers (whose main activity is 
the transfer of content to subscribers) including the various OTT providers. In relation 
to local content providers – application of regulation in accordance with the ranking 
to be determined according to the scope of their activity, on the basis of their total 
annual revenue. In relation to international content providers - application of limited 

71  

72  

"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. On this matter, see Section 
5.15.1.4. 

73  The Minister of Communications, with the approval of the Knesset's Economics Committee, may extend this period by a single 

period of six months. 

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and voluntary regulation in part. 

C.  Determining provisions regarding the promotion of original productions of the elite 
genre  only  and  determining  a  graded  investment  obligation  that  will  apply  to  the 
various  content  providers,  while  reducing  the  existing  provisions  in  relation  to  the 
obligation to invest in original productions. 

E.  Determining provisions regarding the prohibition of exclusivity in the field of sports 
broadcasts  that  will  apply  to  all  local  content  providers,  and  additional  provisions 
regarding the broadcasting and purchase of sports content. 

F.  A  mechanism  for  determining  provisions  regarding  consumerism  in  the  field  of 
broadcasting,  as  well  as  recommendations  regarding  the  cancellation  of  base 
packages for cable and satellite. 

According  to  the  Committee's  report,  there  are  issues  on  which  the  Committee  has  not 
reached a final conclusion, including the issue of the economic models of the broadcasting 
market (for which  the Committee recommends gradually abolishing  the separations and 
restrictions that exist today, including the free transmission of commercial channels, see 
Section 5.15.1.4), the obligation to allocate channels, and the prohibition of broadcasting 
advertisements  on  the  traditional  platforms  of  DBS,  while  offering  two  outlines  for  the 
implementation of this recommendation) and the possibility of multi-channel platforms to 
hold  news  entities.  Accordingly,  the  Committee  allowed  for  reference  to  be  made  to  its 
recommendations for further examination. 

In September 2021, a decision was made by the Minister of Communications regarding the 
reform  of  the  broadcasting  market.  In  the  decision,  among  other  things,  the  Minister 
announced  the  adoption  in  principle  of  the  committee's  recommendations  subject  to 
changes and adjustments as specified in the decision, and ordered staff work in relation to 
some of the recommendations. The Minister stated that the decision on the issue of the 
economic models of the broadcasting market will be made after receiving public comments 
and recommendations from the professional staff. In addition, the Minister instructed the 
professional echelon in the Ministry of Communications to begin staff work to anchor the 
recommendations in legislation and guidelines 74, while completing staff work on the issues 
specified in the decision. The Minister further stated that he intends to act to complete the 
reform  within  a  period  of  about  a  year  at  most.  The  effects  of  the  decision  on  DBS’s 
business depend, among other things, on the Minister's decisions on matters for which a 
final decision has not yet been made; Since this is an economic decision and staff work is 
required  regarding  the  recommendations  contained  therein;  And  since  legislative 
proceedings are still required for the implementation of the committee's recommendations 
and their implementation, it is difficult to assess the extent of the impact on DBS’s business 
of the said legislative amendments or other regulations, insofar as they are adopted and in 
the wording and manner as 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,  the  decision  in 
question of the Minister of Commnication 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 
legislative 
amendments,  if further regulation is formulated therefrom. For possible  impacts on OTT 
services see Section 5.15.2. 

the  Minister's  decisions  and  subsequent 

implementation  of 

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 to various target audiences. 

74 In recent years, a number of legislative initiatives have been initiated regarding a change in the format of the aforesaid regulation, 
including the Memorandum of the Communications Law (Bezeq and Services) (Regulation of Content Providers) (Amendment 
No. _), 5778-2018, which the Folkman Committee was instructed to take into account. 

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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). 

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 Section 5.1.1. 

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. 

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. 

For more details on the competition in the field see Section 5.6. 

5.2.  Products and services 

DBS services through satellite include lienar channel broadcasts, 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 Section 5.18.1. 

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5.2.1.  Satellite broadcasts and related services 

 Satellite DBS broadcasts include linear channel broadcasts, as well as radio, music and 
interactive channels. 

For the purpose of receiving DBS services via satellite, reception plates are installed in the 
buildings  and  decoders  of  different  types  with  different  features  are  installed  in  the 
subscriptions' houses, which allow a variety of services to be received depending on the 
converter's features. 

In  accordance  with  DBS’s  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 section 5.15.2. 

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). 

5.2.2.  OTT Services  

DBS offers a number of OTT services: 

5.2.2.1  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 compatible streamer and other 
end devices including laptops. The service can be used on its own or in parallel 
with the satellite service. 

5.2.3.  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. 

5.3.  Revenue from products and services 

The following are data regarding the distribution of DBS revenues (in NIS millions): 

Revenue  from  multi-channel  TV  broadcasts 
and services for subscribers  
Rate of total revenue 

2021 

1,252 

2020 

1,254 

2019 

1,316 

Approx. 99% 

Approx. 97%* 

Approx. 98%* 

* 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. 

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 
obligations in their relationship with DBS. With respect to the subscription agreement with the satellite 

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subscribers, the approval of the council is required, which was received.75 

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  services76  and  holds  the  largest  market  share,  as  well  as 
Cellcom, Partner and Netflix. 

Below  is  data  on  subscription  numbers  and  market  shares77  of  DBS,  to  the  best  of  its 
knowledge, as of December 31, 2020 and 202178: 

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 1.7.2.3), in access and connection to international content providers 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: 

75  According to the broadcasting license, the approval of the Uniform Contracts Court is also required for the subscription agreement (approval 
previously granted and expired). DBS has applied to the Council for amendments to the subscription agreement and for the amendment of the 
license, as part of which DBS requested, inter alia, 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's requests has 
not yet been received. 

76  To the best of DBS's knowledge, in the second half of 2021, Hot appealed to the Competition Commissioner to cancel its declaration as a monopoly 

as stated. 

77  

78  

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 2020 and 2021 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 2021), as well as of Hot, which does 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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a.  The quality and variety of content that DBS broadcasts to its subscribers. 

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  section 
5.2.2.  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 5.15.3. 

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  the  wholesale  market  arrangement,  as  stated  in  section 
1.7.3, 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. 

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 Section 5.2.2). 

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. 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.  Property, plant and equipment, real estate and facilities 

The following are the main components of DBS's property, plant and equipment: 

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 between about a year and a half and about three 
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 and leases them to its subscribers. 

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. 

5.8.6.  Computerized customer management system 

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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 2024. 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 5.1579). 

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 5.9.1.1.80 

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  2022. 81  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 satellite subscribers' homes. 

5.9.2.  Trademarks 

DBS has registered trademarks, the main ones of which are intended to protect its trade 
name (Yes) and the key brands it uses (Yes, Yes+, StingTV). 

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 

79 In July 2021, DBS submitted an application for renewal of the broadcasting license, which is being examined. 

80 In July 2021, an application was made to the Head of the Judea and Samaria Administration for the renewal of this license. 

81 After an extension made in January 2022. 

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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 
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. Major content providers and dependency on a single content portfolio 

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. 

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5.11.2.  DBS employee base by divisions:  

Administration 
Customer Division 
Total 

20

Number of employees 
31.12.20
347 
747 
1,094 

31.12.20
382 
847 
1,229 

21

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, 2021 was 999. 

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, as detailed below, and apply 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  representative  organization  of  DBS’s 
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. 

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. 

In August 2021, DBS signed a collective agreement between it and the Histadrut and the 
Employees’  Committee,  which  included,  among  other  things,  amendments  to  the  said 
collective agreements and the said collective arrangement. The new collective agreement 
is  valid  from  January  1,  2022  until  December  31,  2024.  According  to  the  new  collective 
agreement,  among  other  things,  wage  increases  and  grants  will  be  provided,  wage 
conditions  will  be  improved,  a  retirement  plan  will  be  agreed  on  and  a  labor  dispute 
declared  by  the  National  Workers'  Histadrut  will  be  resolved  in  December  2019,  while 
clarifying the intention of the DBS’s Management to merge Bezeq International into DBS, 
it was agreed that the parties would maintain industrial silence during the period of validity 
of the agreement in all matters regulated therein.. The collective agreements applicable to 
DBS employees (as amended above) regulate, inter alia, 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 the termination of 
employment of permanent  employees, as well as annual wage increases and additional 
financial benefits to be provided by DBS to employees, during the term of the agreement. 

The collective agreements and the arrangement mentioned above are valid until December 
31, 2024. 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. 

Regarding  an  announcement  from  June  2021  on  behalf  of  the  new  General  Workers’ 
Histadrut - the Internet and High-Tech Cellular Workers' Union announcing a labor dispute, 
among other things, regarding the refusal of the joint management of Pelephone, Bezeq 
International  and  DBS  to  negotiate  various  matters,  which  was  also  received  at  DBS 
offices, and a legal proceeding initiated by Bezeq International in July 2021 following the 
announcement and being conducted in the Tel Aviv Regional Labor Court - Dee section 
4.8. 

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  targets  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 section 5.8.5. 
For engagement with NetCracker and Salesforce, see Section 5.8.6. 

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 November 2021, Bezeq approved a credit facility or investment in DBS’s equity in the total amount 
of up to NIS 40 million, for a period of 15 months starting on October 1, 2021. This approval is in lieu 
of a similar approval given in August 2021 (and not in addition to it). 

5.14. Taxation 

 For more details, see Note 7 to the 2021 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),  as  well  as,  inter  alia,  Council 
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 
Chairman  of  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 82 
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 

82   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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Council  may  also  interfere  with  promotions  or  discounts  offered  by  DBS,  if  he 
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 2021 and 2022, DBS must invest 
an  amount  of  not  less  than  8%  of  its  revenues  from  the  subscription  fees  of 
satellite subscribers83 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 2021, the Council decided to postpone for 2023 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 2022 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.84 

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% 

83   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. 

84 According to the provisions of the Communications Law, DBS is exempt from payment to the commercial channels included in the 

mandatory channels due to the transmission of their broadcasts with it. 

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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 

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 
by 
the  Ministry  of 
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  Section  5.2.1)  are  not 
subject  to  such  regulation.  However,  from  various  decisions  of  the  Council  (see  also 
Section 5.2.1), 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 OTT field. 

These assessments by DBS are forward-looking information, as defined in the Securities 
Law,  based,  inter  alia,  on  the  conclusions  of  the  Folkman  Committee,  the  decision  in 
quesiton by the Minister of Communications 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  Minister's  decisions  and  in  legislative  amendments,  if 
further regulation is formulated as a result thereof. 

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 1.7.2.3). 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 

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5.16. Material 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: 

Agreement for the lease of space segments85  

According to an agreement with Space, since 2013, as amended (including an amendment from July 
2021),  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" 
satellite (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 in which space segments are leased to DBS until February 
2024 (or until the end of his life, whichever is earlier), while DBS may extend it for an additional six 
months. 

Period of the agreement - until the end of the life of the "Amos 3" satellite (subject to the exceptions 
set forth in the agreement), but in any case the agreement will expire no later than February 2026 86. 

The  leased  space  segments  -  according  to  the  Space  Agreement  (and  subject  to  unavailability 
events),  until  the  end  of  the  Amos  7  DBS  lease  period,  DBS  will  lease  12  space  segments  from 
Space, in accordance with the division between the relevant satellites stipulated in the Agreement 
according  to  the  different  periods,  and  then  DBS  will  lease  10  space  segments  in  Amos  3.  The 
Agreement also regulates the provision of backup segments to space segments leased by Space 
during the term of the Agreement, so that in the event of space segments not available on one of the 
satellites, Space will place alternate segments on the other satellite so that the number of segments 
is not less than 10 segments, subject to the terms and conditions set forth in the Agreement.87 

Cost - the average annual cost until the end of the lease in Amos 7 is approximately USD 25 million, 
and  thereafter  approximately  USD  18  million,  subject  to  the  discount  and  reimbursement 
mechanisms set forth in the Space Agreement. 

Early  termination  of  the  agreement  -  according  to  the  Space  Agreement,  DBS  may  announce  an 
early  termination  without  cause,  of  a  Space  Agreement  subject  to  12  months'  prior  notice  and 
payment of the lease in "Amos 7" plus payment of parts of the lease balance in the space segments 
in "Amos 3". 

The usage fee in 2021 amounted to about NIS 75 million. 

DBS  has  a  substantial  dependence  on  Space,  as  the  sole  owner  and  sole  supplier  of  the  space 
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  Section  5.19.3.4.  For  Space  dependence,  see  Section 
5.19.3.5 . 

85  

The assessments in this section regarding the activity and end of the useful lives of the satellites, 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  the  start  of  satellite operation,  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. 

86 In some cases, DBS may announce the continued use of the "Amos 3" satellite even after the end of its life. 

87  In  addition,  according  to  the  space  agreement,  it  holds  spare  tubes  on  the  "Amos  7"  satellite,  and  must  make  every  reasonable effort  to  locate 
alternative satellite segments in other satellites under the terms and conditions set forth in the Agreement, including maximum amounts and rates 

of Space’s participation in additional expenses. 

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5.17. Legal Proceedings88 

5.17.1. Legal proceedings are pending 

Date 

Sides 

Court 

Type of 
procedure 

Details 

Amount 
of claim / 
remedies 

a. 

 Dece
mber 
2020 

b. 

 June 
2017 

c. 

 July - 
Augus
t 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 
shareh
olders 
against 
Bezeq 
and 
DBS  

Tel Aviv 
District 
Court 

Tel Aviv 
District 
Court 
(Econo
mic 
Depart
ment) 

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 section 1.1.6. 

Motion for 
approval of 
class 
actions 

things, 

For  details  regarding  a  motion  for 
approval of a class action lawsuit filed 
against,  among  other 
the 
former  CEO  of  DBS  and  its  former 
in  connection  with  a  2015 
CFO, 
transaction  in  which  Bezeq  acquired 
the  remaining  shares  of  the  DBS 
shares  held  thereby  from  Eurocom 
DBS, see section 2.18.1D. 

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 
amended  in  2017  (Space  Agreement)  See 
Section 2.18.1 Subsection E. 

Tel Aviv 
District 
Court 

Motion for 
disclosure of 
documents 
before 
submitting a 
motion for 
approval of 
a derivative 
claim in 
accordance 
with Article 
198A of the 
Companies 
Law  

d. 

 June 
2018 

Bezeq 
shareho
lders 
against 
The 
Compan
y, DBS 
and the 
former 

Tel 
Aviv 
District 
Court 
(Econo
mic 
Depart
ment) 

Request for 
disclosure 
and review 
of 
documents 
under 
section 198A 
of the 
Companies 

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,  the 
former  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, 

88  

For reporting policy and materiaityl threshold, see Section 2.18.  

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Amount 
of claim / 
remedies 

Over  NIS 
2.5 
million. 

Date 

Sides 

Court 

controlli
ng 
shareho
lders of 
Bezeq 
  תוחוקל
  דגנ
 סא.יב.יד 

e. 

   ינוי
2021 

Type of 
procedure 

Law 

Details 

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. 

  רושיאל השקב
 תיגוציי
עיבת

ה  

  תיב
  טפשמ
  יזוחמ
 זכרמ 

It  ais  alleged,  among  other  things,  that  DBS 
customers who order a paid channel near the 
time  of  closing  the  invoice,  and  cancel  it 
shortly thereafter (so that they are supposed to 
pay at a daily rate), are allegedly overcharged, 
due to a system malfunction. The definition of 
the  class  according  to  the  motion  is  all  DBS 
customers who were overcharged for ordering 
a paid channel as a result of a fault in D’sBS 
system, during the 7 years prior to submitting 
the  motion  for  approval  and  until  it  is 
approved. The amount of the personal damage 
claimed 
for 
overcharging  and  NIS  100  for  non-pecuniary 
damage).  Please  note  that  at  this  stage  the 
applicant  does  not  have  the  data  required  to 
assess  the  damage  to  the  class  members,  At 
more than NIS 2.5 million. In November 2021, 
an  motion  was  filed  with  consent  for  the 
applicant 
paying 
to  withdraw  while 
compensation and expenses to the applicant . 

is  NIS  126.9 

(NIS  26.9 

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 

a 

June 
2015

District 
(Center) 

Custo
mers 
vs. 
DBS 

Type of 
procedure 

Details 

Monetary 
claims in 
conjunction 
with motions 
to recognize 
as class 
action 

to 

all 

license  and 

the 
sought 

against 
in  which 

Claim  regarding  discrimination  against  new 
returning 
DBS  customers  compared 
customers  who  were  previously  DBS 
customers,  this  is  allegedly  contrary  to  the 
the 
provisions  of 
law. 
Applicants 
non-pecuniary 
compensation for members of the represented 
class  as  well  as  to  allow  each  subscriber  to 
receive  the  terms  received  by  returning 
subscribers (“the First Motion”). 
After the parties to the proceedings submitted 
summaries on their behalf to the Court, in July 
2018  a  hearing  was  held  on  all  motions  for 
approval 
communication 
the  Court  advised 
companies, 
applicants to consider a rewarded withdrawal 
from the motions for approval, and ruled that 
as long as the recommendation is not accepted 
by September 2018, a decision will be made by 
the  Court  in  the  motion  for  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  applications  for 
approval. 
In  January  2020,  the  petitioners  in  the  First 
Motion filed an appeal against the judgment to 
the High Court. 
In February 2021 as part of a hearing on appeal, 
the High Court recommended that the appeal 
be withdrawn on their behalf, without an order 

148

Original 
claim 
amount 
(NIS million) 

The 
amount  of 
the  claim 
that  is  the 
subject  of 
the motion 
was 
estimated 
by 
the 
applicants 
at  NIS  13 
million 
plus  non-
pecuniary 
damage  as 
will 
be 
decided by 
the Court. 
The 
applicant 
in 
the 
additional 
motion 
does 
not 
specify  the 
amount  of 
the  claim, 
but 
estimates 
the  extent 
of 
the 
damage  in 
the  tens  of 

 
 
 
 
 
 
 
 
 
Chapter A (Description of the Corporation's Business) for the 2021 Periodic Report 

  Date 

Sides  Court 

of 
filing 
the 
claim 

Type of 
procedure 

Details 

b  Octob
er 2021 

Custo
mer 
vs. 
DBS 

Jerusale
m 
District 
Court 

Claim in 
conjunction 
with motion 
to recognize 
as class 
action 

for  costs.  Following  this,  the  first  applicant 
announced the withdrawal of the appeal on her 
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 costs. 
The  motion  concerns  the  fact  that  DBS  is 
acting  unlawfully  in  that  when  a  customer 
orders a more advanced (new) converter from 
it,  it  provides  the  customer  with  the  new 
converter without removing the old converter, 
while  continuing  to  charge  the  customer 
monthly  rent  for  the  old  converters  in  his 
home.  The  applicant  claims  that  in  doing  so, 
DBS  is  acting,  among  other  things,  in  bad 
faith,  by  deception  and  with  a  misleading 
presentation  of  invoices.  The  amount  of 
personal damage claimed is NIS 193 (NIS 183 
for  overcharging  and  NIS  10  for  violation  of 
autonomy). 
On  January  19,  2022,  the  Court  approved  an 
agreed motion to withdraw from the request, 
from which it emerged that the applicant was 
convinced  that  an  exceptional  fault  had 
occurred  in  his  case  which  did  not  reflect 
DBS’s policy, and ordered its striking out. 

Original 
claim 
amount 
(NIS million) 

millions  of 
NIS. 

The 
motions 
states  that 
it 
is  not 
possible  to 
quantify 
the 
damage 
estimate  to 
the 
class 
members 
at 
stage. 

this 

5.18. Targets and strategy 

5.18.1. DBS's targets 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 up to 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  regularly  monitors  market 
conditions, competition  and the technological environment, and frequently examines 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 as stated will be completed. 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 sections 5.2.2.1 and  5.2.2.2 
above) is about 40%89 of all DBS subscribers. 

5.18.2. In  order  to  achieve  the  aforementioned  targets,  along  with  actions  to  reduce 

89 This rate also includes subscribers who also use satellite services. 

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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. 

5.18.3. For the structural change plan and for the establishment of ISP activity in DBS, see 

Section 1.1.5. 

5.18.4. 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 
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  Epidemic - 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 

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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 section 5.1.1 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, 
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 Section 1.7.4.5). 

5.19.2.3  Fierce competition - the field is characterized by fierce competition with a 
variety of different competitors (see  Section 5.1.7),  which  are  also expected to 
increase in the future in the face of the entry of additional local and international 
factors,  as  well  as  a  change  in  consumer  preferences,  that  requires  DBS  to 
constantly  and  continuously  invest  in  recruiting  and  retaining  customers  and 
dealing with high transfer rates of subscribers between companies, and may even 
require a change in DBS’s business model . For the characteristics of competition, 
see Section 5.6. 

DBS’s estimate, as stated in this paragraph above in relation to the possibility of 
the  entry  of  local  and  international  factors,  is  forward-looking  information.  This 
assessment  is  based  on  DBS's  assessments  of  the  state  of  the  industry  and 
possible  changes  in  it.  This  assessment  may  not  materialize  or  partially  or 
otherwise materialize in view of the materialization or non-materialization of plans 
by various factors to enter into the industry, the manner in which they are actually 
implemented and the conditions of competition that will prevail. 

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 Section 5.1.1). 

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  legal  proceedings  -  DBS  is  a  party  to  legal  proceedings, 
including requests for approval of class actions, which may result in a charge of 
material amounts which cannot be assessed, and for which no provision has been 
made  in  its  statements.  These  class  actions  can  amount  to  large  sums,  as  a 
substantial portion of Israel’s residents are DBS subscribers, and a claim relating 
to a small damage to a single subscriber may become a material claim to DBS, if 
recognized  as  a  class  action  applicable  to  all  subscribers  or  to  a  substantial 
portion thereof. 

5.19.3. Special risks to DBS 

5.19.3.1  Limitations  as  a  result  of  the  ownership  structure  -  DBS  is  limited  in  its 

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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 5.15.3). 

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, 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 equity 
deficit  and  the  credit  and  Bezeq’s  investment  framework  in  equity  as  stated  in 
section 5.13, will meet the needs of DBS activity for the coming year. 

5.19.3.4  Failure, damage, unavailability or termination of service in 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  satellite  intended  to  replace  a  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, 
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 channels broadcast by DBS (all or almost all) 
(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 2024, and from that period onwards, DBS will operate with 
one satellite - see Section 5.16. 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 substantial 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 contracts in relation 
to them, and possible termination of lease of segments of space. 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 

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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 Section 
5.16  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 5.10.5) 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  provider,  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, 
as well as all VOD broadcasts. Each transmission center has the same satellite 
encryption system, and therefore there is full backup for the encryption system in 
case of damage to one of the transmission centers. In the event of a cessation of 
activity of the Kfar Saba site, OTT services will not be possible at all, and in the 
event of a cessation of activity of the secondary site only, the main activity of the 
OTT services will be possible through the Kfar Saba site, including broadcasting 
some channels and VOD service. Damage to the DBS logistics center may also 
disrupt its operations, and  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. 
However,  DBS  has  a  remote  backup  site  designed  primarily  for  storing 
information and providing an internal computing service limited to failures in such 
a way that in the event of a failure of the DBS site's computer systems in Kfar 
Saba, it will be possible to reactivate the central systems through the backup site. 

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. 

5.19.3.9  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 information leakage, which may also be caused by an intentional or 
inadvertent  internal  factor.  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  and 
protection from cyber attacks operated in a configuration that combines effective 

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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. 

5.19.3.10 Technical  limitation  that  prevents  the  offering  of  integrated  services  – 
DBS’s satellite 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. 

5.19.3.11 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 satellite subscribers’ 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. 

5.19.3.12 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. 

5.19.3.13 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 
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. 

5.19.3.14 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,  In  addition,  disruptions  in  labor 
relations  at  DBS,  and  possibly  also  at  other  Bezeq  subsidiaries,  could  cause 
damage to DBS's day-to-day operations. 

5.19.3.15 Loss of knowledge and information - The changes that are taking place in 
the  labor  market  in  Israel  and  around  the  world,  along  with  organizational 
changes, entail risks for the loss of key employees, loss of knowledge as a result 
of employee turnover and difficulty in recruiting employees, etc. 

5.19.3.16 Delay  in  improving  internet  browsing  speeds  -  as  BDS’s  outline  for  the 
transition  to  OTT  broadcasting  (see  Section  5.18.1)  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  the  Company  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 

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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.90: 

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 legal proceedings 
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 
Loss og knowledge and information 
Delay in improving internet browsing rates  

The degree of influence 
Medium  Small 
High 

X 

X91 

X 
X 

X 
X 
X 

X 
X 
X 
X 
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. 

90   See footnote 51. 
91   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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6. 

The Company 

6.1.  Financing 

6.1.1.  The Company's debentures 

For  details  about  the  debentures  issued  by  the  Company  See  Note  14  to  the  2021 
statemtns and Section 4 of the Board of Directors' Report.  

6.1.2.  Credit rating  

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

6.2.  Legal proceedings 

6.2.1.  On March 30, 2020, the Company reached a settlement regarding the derivative claim 
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 debentures 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' fees 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. 

6.2.2.  On March 4, 2020, the Company signed a settlement agreement that settles the class 
action lawsuit filed against the Company in the Southern District of New York in the 
United States, which was filed against the Company in 2017. On August 10, 2020, the 
final  approval  was  received  from  the  Court  for  a  settlement,  during  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, who 
exempted the Company from all claims relating to the class action by both the plaintiffs 
and the members of the settlement, without any admission of guilt. 

6.2.3.  In June 2017, two motions for approval of a class action lawsuit, in the total amount 
of NIS 1.8 billion, were filed against the Company, Bezeq, officers in the Group and 
companies from the then controlling group in Bezeq regarding the purchase of DBS 
shares by Bezeq from Eurocom. According to the decision of the Court, a consolidated 
motion  is expected to be  filed  in  lieu  of these two motions.The said procedure  has 
been delayed at the request of the Attorney General several times, when as of this 
date, the procedure has been delayed till July 2022. 

6.2.4.  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 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. 

6.2.5.  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). 

6.2.6.  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 debentures (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. 

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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. In December 2021, the Company filed a motion for in limine dismissal 
of the motion for approval against it, inter alia, because the motion for approval does 
not specify claims against the Company and because for most of the relevant period 
the Company was a dual company so the law applied to it is US law, and because the 
motion is not supported by the opinion of an expert on foreign law. In July 2021, the 
respondents filed a response claiming that the motion for approval was unbased, inter 
alia, due to the fact that the information alleged in the motion for approval that was 
required  for  publication  did  not  meet  the  standards  set  by  law  for  the  purpose  of 
establishing a reporting obligation, accompanied by an arrangement procedure and 
in combination with professional consultants and under the supervision of the Board 
of Directors, and hence, the appropriate means to comply with the provisions of the 
law  were  performed,  and  these  findings  contradict  the  applicant's  contention.  After 
several  hearings  for  responses  and  a  pre-trial  hearing  in  February,  a  decision  was 
made  in  which  the  parties  were  asked  to  update  whether  they  wished  to  hold  a 
mediation, an additional preliminary hearing or to coordinate a hearing. The parties 
have  announced  that  they  are  working  to  coordinate  deadlines  for  evidentiary 
hearings. 

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 
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. 

6.2.7.  In January 2021, the Company submitted a motion for in limine dismissal of the motion 
for approval and a request for an extension. In April 2021, a hearing was held on the 
motion for dismissal, in which it was determined that only after a date has been set 
for  the  hearing  of  the  request  for  disclosure  of  documents,  a  date  will  be  set  for 

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submitting answers to the motion and another hearing will be scheduled. As of this 
date a hearing for the disclosure of documents is scheduled for April 2022, and a date 
for a hearing is expected to be scheduled for May 2022. 

__________________________________ 
B Communications Ltd. 

Date 

Names and roles of the signatories: 
Darren Glatt, Chairman of the Board 
Tomer Raved, CEO 

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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  an  NIO’s 
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 report92 

Internet Gold  

Bezeq Online  

Bezeq 
International 

- 

- 

- 

Internet Gold Gold Lines  

Bezeq online Ltd. 

Bezeq International Ltd 

92  

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 

2021 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 

- 

Cellcom 

Pelephone 

Fiber project 

- 

- 

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, 2021  

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 Israel Ltd. and corporations under its control 

Pelephone Communications Ltd. 

The Company's plan for the deployment of ultra-broadband landline 
infrastructure  that  includes  a  massive  deployment  of  fiber  optics 
across the country on a large scale that will enable the offer of ultra-

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Partner 

Interconnectivity 

Mobile phone 
radio 

Unified general 
license / unified 
license 

NIO license 

Mobile Radio 
license 

Broadcasting 
license 

ILA 

Rami Levy 

Bezeq services 

Transmission 
services 

Data 
communication 
services 

Reporting period 

Bitstream Access 
(BSA) 

xDSL 

DTT 

GSM 

HD 

HSPA 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

fast Internet services. 

Partner Communications Ltd. and corporations under its control 

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 Bezeq International 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 

Twelve months ended December 31, 2021 

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 

High  Speed  Packet  Access  -  Cellular 
technology  that  is  a 
continuation of the UMTS standard that enables data transfer at high 

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IBC 

IP 

IPVPN  

ISP 

LTE 

MVNO 

NGN 

UMTS 

VoB 

VoC 

VOD 

VoIP 

Wi-Fi 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

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 

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8.  Appendix  B  -  Financial  Indices  and  Operational  Performance  Indices  (Key 

Performance Indicators) 

General  

The indices below, which are specified in the chapters of Bezeq’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 
financing  expenses  (revenue),  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 
property,  plant  and  equipment  and  intangible  assets.  The  Company's  EBITDA  is  calculated  as 
operating profit before depreciation, amortization and impairment (ongoing losses from impairment 
of property, plant and equipment 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 property, plant and equipment 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 property, plant and equipment 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. 

163

 
 
 
 
 
Chapter B 
Report of the Board of Directors on the 
State of Affairs of the Corporation for 
the Year Ended December 31, 2021

 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year 
ended December 31, 2021 

The  Board  of  Directors  of  B  Communications  Ltd.  (“the  Company")  is  honored  to  submit  the 
Board of Directors' report on the State of the Company and consolidated for all Group Companies 
(the Company and the Subsidiaries will be collectively referred to hereinafter as: "the Group"), 
for a period of twelve months ended December 31, 2021 (“the Report Date") in accordance with 
the  Securities  Regulations  (Periodic  and  Immediate  Reports),  5730-1970  ("the  Reporting 
Regulations").  

General - a summary of the Company's business 

As detailed in the report on the corporation's business (Part I of this periodic report), the Company 
operates, through a number of investee companies, in the field of communications. 

For further details about the Group's businesses, see the report on the corporation's business 
(Part A of this periodic report). 

For the investigation by the Securities Authority and the Police, see Note 1.3 to the Company’s 
financial statements for the year ended December 31, 2021 (“the Statements"). 
The auditors referred to this in their opinion on the Statements. 
Regarding the effects of COVID-19 crisis, see Section 1.8 below. 

The Group reports on four main operating segments in its financial statements as follows:  

1.  Fixed line communication 
2.  Cellular communication 
3. 

Internet,  international  communications,  network  endpoint  services  and  ICT  solutions 
(“hereinafter: “Bezeq International Services”). 

4.  Multi-channel TV 

For further information, see Note 28 to the Statements. 

The following are consolidated results of the Group: 

2021 

2020 

 Increase  

NIS millions  NIS millions  NIS millions 

 % 

 Net profit 

EBITDA* 

Adjusted EBITDA* 

996 

3,745 

3,695 

900 

3,566 

3,647 

96 

179 

48 

10.7 

5 

1.3 

* Financial indices that are not based on generally accepted accounting principles, see below 

The increase in net profit in 2021 compared to 2020 was mainly due to an increase in capital 
gains from the sale of assets in the Fixed line communications segment, as well as an increase 
in profit in the cellular communications segment. 

For more information see Chapter 1.2 below. 

1 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year 
ended December 31, 2021 

* Financial indices that are not based on generally accepted accounting principles 

As of the Report Date, 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 

Defined  as  profit  before  financing  expenses  (income),  taxes, 
depreciation and 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  property,  plant  and  equipment  and  intangible 
assets. The Group's EBITDA is calculated as operating profit before 
depreciation,  amortization  and  impairment  (including  ongoing 
losses  from  impairment  of  property,  plant  and  equipment  and 
intangible assets as described in Note 3.10.2 and 10.5 and 10.6 to 
the Statements). 
Calculated as an EBITDA index net of other operating expenses / 
income, net and one-off losses / profits from impairment / increase 
in value and expenses in respect of a capital remuneration plan. 
The index allows comparisons of operational performance between 
different  periods  while  neutralizing  one-off  effects  of  exceptional 
expenses / income. 
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. 

Operating profit 
Depreciation, amortization and impairment 

EBITDA 

Other operating expenses (income), net  

Impairment loss 

Expenses in respect of a capital remuneration plan 

2021 

2020 

NIS millions 
1,856 
1,889 
3,745 
(77) 
- 
27 

NIS millions 
1,708 
1,858 
3,566 
73 
8 
- 

Adjusted EBITDA 

3,695 

3,647 

2 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Board of Directors report for the year ended December 31, 2021 

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 - Assets 

December 
31, 2021 

December 
31, 2020 

Increase 
(decrease) 

NIS millions 

NIS 
millions 

NIS 
millions 

% 

2,132 

1,775 

357 

20.1 

2,572 

2,315 

257 

11.1 

74 
- 
60 

1,828 

6,312 

73 
10 
67 

1,804 

6,131 

1 
(10) 
(7) 

24 

181 

1.4  
-  
(10.4)  

1.3 

3.0 

3,251 

3,268 

(17) 

(0.5) 

Explanation 

The increase was due to an increase in cash balances and current 
investments in the Fixed line communications segment, due in part to the 
issuance of debentures in December of the current year (Series 13 and 
14). For further information, see Chapter 1.4 below. 
The  increase  was  mainly  due  to  an  increase  in  customer  balances  in  the  cellular 
communications  segment  as  well  as  in  the  Bezeq  international  services  segment, 
mainly due to the effect of the employee sanctions taken during the months of August-
November in 2021, which led to delays in billing and collection from customers. 

The increase was due to the Fixed line communications segment, due in part to the 
progress of the fiber network deployment project, see Note 9.4 in the Statements. 

306 

402 

(96) 

(23.9) 

The decrease in 2021 is mainly due to the classification of long-term deposits in the 
Company as short-term. 

24 

108 

(84) 

(77.8) 

In 2021, a deferred tax asset of NIS 37 million was exercised, which was recognized in 
2020 in respect of a loss for tax purposes from the sale of Walla, see Note 7.5 in the 
Statements. 

Cash and current 
investments 

Current and non-current 
trade receivables 

Inventory 
Assets held for sale 
Broadcasting rights 

Right-of-use assets 
Property, plant and 
equipment 
Intangible assets 

Deferred expenses and 
non-current investments 

Deferred tax assets 

Total assets 

16,559 

15,953 

606 

3.8  

3 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Board of Directors report for the year ended December 31, 2021 

1.1.  Financial position (Cont.) – Liabilities and capital 

Debt to financial institutions 
and bondholders 

Leases Liabilities  
Trade payables 

Employee benefits 

Provisions 

Deferred tax liabilities 
Other liabilities 

December 
31, 2021 
NIS millions  NIS 

December 
31, 2020 

millions 

Increase 
(decrease) 

NIS 
millions  % 

10,048 

10,270 

(222) 

(2.2) 

1,977 

1,755 

753 

118 

296 

142 

1,907 

70 

3.7 

1,766 

(11) 

(0.6) 

817 

169 

290 

307 

(64) 

(7.8) 

(51) 

6 

(30.2) 

2.1 

(165) 

(53.8) 

Total liabilities 
Non-controlling interests 
Total capital (capital deficit) 
attributed to the Company's 
shareholders 
Total capital 

Total liabilities and capital 

15,089 
1,454 

15,526 
534 

(437) 
920 

(2.8) 
172.3 

16 

(107) 

123 

- 

1,470 
16,559 

427 
15,953 

1,043 
606 

244.3 
3.8 

Explanation 

The decrease in debt was due to the repayment of bonds and repayment 
(including early repayment) of loans, offsetting the issuance of Series 13 and 
14 Series bonds by Bezeq and Series F bonds in the Company, as well as 
receiving loans in the Fixed line communications segment, see Note 13 to 
the Statements. 
For further information, see Note 8 to the Statements. 

For further information, see Note 4 to the Statements. 

The  decrease  was  due  to  payments  for  the  retirement  of  employees  and 
streamlining plans in the Group, offsetting the increase in the provision for 
the  termination  of  the  employee-employer  relationship  in  early  retirement, 
see Note 16.5 and 24 in the Statements. 
The decrease was mainly due to a decrease in provisions for claims in the 
Fixed line communications segment, see Note 15 to the Statements. 

The decrease was mainly due to the classification of an obligation to pay for 
the  cost  of  5G  frequencies  in  the  cellular  communications  segment  for 
current 
line 
communications segment. 

liabilities  and  a  decrease 

in  derivatives 

the  Fixed 

in 

The  capital  constitutes  approximately  0.1%  of  the  total  balance  sheet, 
compared with a deficit in capital which constituted approximately 0.6% of 
the total balance sheet on December 31, 2020. 

4 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Board of Directors report for the year ended December 31, 2021 

1.2.  The results of operations 

1.2.1.  Results summary 

2021 

2020 

Increase 
(decrease) 

Explanation 

NIS millions 

% 

Revenue 

8,821 

8,723 

99 

1.1 

Operating and general 
expenses 

3,265 

3,182 

81 

2.6 

Salaries 

1,888 

1,894 

(6) 

(0.3) 

Depreciation, 
amortization and 
impairment 

1,889 

1,858 

31 

1.7 

Impairment loss, net 

- 

8 

(8) 

Other operating 
expenses (income), net 

(77) 

73 

(150) 

- 

- 

Operating Profit 

1,856 

1,708 

151 

8.7 

Financing expenses, net  478 

474 

4 

0.8 

Income taxes 

Profit in the year  

382 

996 

334 

900 

48 

96 

14.4 

10.7 

The increase in revenues was mainly due to the cellular communications 
segment, as well as the Fixed line communications segment, offset by a 
decrease in the revenues of the Bezeq International segment and in the multi-
channel television segment. 
The increase was mainly due to the Fixed line communications sector as well as 
the cellular communications segment, offset by a decrease mainly in DBS 
expenses. There is an increase in the Group's expenses, among other things, 
due to the recognition of an expense for the incentive fund regarding the 
deployment of the fiber optic network, see Notes 9.4 and 18.7 to the Statements. 
The increase in salary expenses in the Fixed line communications segment and 
in the "other" segment was offset by a decrease in the other main segments of 
the Group due to a decrease in the number of jobs. 
In the current year, the Group recognized salary expenses in respect of share-
based payment, see Note 26.4 to the Statements. 
The increase was mainly due to the Fixed line communications sector as well as 
the Bezeq International services segment, offset by a decrease in the cellular 
communications segment. 

The change was mainly due to an increase in capital gains in the Fixed line 
communications segment, offset by an increase in expenses due to the 
termination of the employee-employer relationship in early retirement in the 
Group, see Notes 24 and 16.5 to the Statements. 

The increase was mainly due to the early repayment of Series D and E series as 
well as the partial early repayment of Series C debentures, offset by a decrease 
in financing expenses in the Fixed line communications segment. See Notes 13 
and 25 to the Statements. 
For further information, see Note 7 to the Statements. 

5 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
the of 

Report
December

Board
1

202 31,

 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: 

2021 

NIS 
millions 

% of total 
revenue 

2020 
NIS 
millions 

% of total 
revenue 

Revenue by operating 
segments 
Fixed line communication 
Cellular communication 
Bezeq International services 
Multi-channel TV 

Others and adjustments 

Total 

4,182 
2,289 
1,237 
1,270 
(157) 
8,821 

47.5 
25.9 
14 
14.4 
(1.8) 

100.00 

4,159 
2,186 
1,271 
1,287 
(180) 

8,723 

47.7 
25.1 
14.6 
14.7 
(2.1) 

100.00 

Year 2021 
NIS 
million 

% of 
segment 
revenue 

Year 2020 
NIS 
million 

% of 
segment 
revenue 

Operating profit (loss) by 
operating segment 
Fixed line communication 
Cellular communication 
Bezeq International services 
Multi-channel TV 

Others and adjustments 

Consolidated operating profit / 
percentage of Group revenue 

1,748 
42 
22 
(41) 
85 

41.8 
1.8 
1.8 
(3.2) 
- 

1,705 
(84) 
(241) 
 )42( 
370 

41.0 
(3.8) 
(19.0) 
(3.3) 
- 

1,856 

21 

1,708 

19.6 

* 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 31.4 to the 
Statements regarding a summary of selected data from the financial statements of DBS. 

6 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2021 

1.2.2.  Activity segments (Cont.) 

b.  Fixed line communications segment 

2021 

2020 

Increase (decrease) 

NIS millions 

Internet infrastructure 

1,624 

1,622 

2 

Fixed line telephony 

913 

1,008 

(95) 

Transmission, data 
communication and other 

1,327 

Cloud and digital services  318 

Total 

4,182 

1,241 

288 

4,159 

Operating and general 
expenses 

667 

590 

Salaries 

Depreciation and 
amortization 

934 

938 

919 

877 

86 

30 

23 

77 

15 

61 

Other operating expenses 
(income), net 

(105) 

68 

(173) 

% 

0.1 

(9.4) 

6.9 

10.4 

0.6 

13.0 

1.6 

7 

- 

Operating profit 

1,748 

1,705 

43 

2.5 

Financing expenses, net  342 

403 

(61) 

(15.1) 

Income taxes 

Segment profit 

343 

1,063 

262 

1,040 

81 

23 

30.9 

2.2 

Explanation 
There  has  been  an increase  in the  average  revenue  per  retail  subscription, mainly from  complementary  end 
equipment  and  the  launch  of  customer  services  on  the  fiber  network,  starting  in  March  2021,  as  well  as  an 
increase in the number of Internet lines in retail. The increase was offset by a decrease in wholesale Internet 
service rates and a decrease in the number of wholesale Internet lines. 
The decrease was due to a decrease in the average revenue per telephone line, mainly due to the moderation 
of the effect of the COVID epidemic on the consumption of calls, as well as a decrease in the number of lines. 

The increase was due, among other things, to an increase in revenues from transmission services to Internet 
providers and businesses and from paid jobs. 
The increase was mainly due to virtual exchange services as well as business directory services (B144) and 
business services. 

The increase was mainly due to an increase in expenses of subcontractors and costs of end equipment and 
materials due to, among other things, the deployment of the fiber network and paid jobs, as well as recognition 
of  the  expense  for  the  incentive  fund  as  part  of  the  amendment  to  the  Company's  license  regarding  the 
deployment  of  the  fiber  optic  network  (see  Notes  9.4  and  18.7  to  the  Statements),  to  offset  a  decrease  in 
connectivity expenses for communications operators in parallel with a decrease in telephony revenues. 
The increase was mainly due to employee absorption, wage increases and recognition of share-based payment 
expenses (see Note 26 to the Statements), offsetting employee retirement and increasing salary attributed to 
investment. 

The change in other net operating income was due to an increase in capital gains from the sale of real estate, 
an update of the provision for legal claims and also due to one-off grant expenses for employees included in the 
corresponding  year.  On  the  other  hand,  there  was  an  increase  in  expenses  recognized  in  respect  of  the 
termination  of  the  employee-employer  relationship  in  early  retirement,  and  in  the  corresponding  year  capital 
gains from the sale of Walla were included, see Note 16.5 to the Statements. 

The decrease in net financing expenses was mainly due to a decrease in the costs of early repayment of loans 
and a decrease in interest expenses due to loan and debentures repayments, offset by an increase in linkage 
differences in respect of debentures due to the rise in the index, see Note 25 in the Statements. 

In the current year, a deferred tax asset was exercised, which was recognized in the corresponding year as a 
loss for tax purposes from the sale of Walla. 

7 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2021 

1.2.2.  Activity segments (Cont.) 

c. 

Cellular communications segment 

2021 
NIS 
millions 

2020 
NIS 
millions 

Growth (decrease) 
NIS 
millions 

% 

Explanation 

The increase was mainly due to some recovery from the effects of the COVID crisis 
which was reflected in an increase in roaming revenue and was partially offset by a 
decrease in revenue from incoming airtime. In addition, there is growth in the number 
of postpaid subscribers, including subscribers in 5G plans. 
The increase was mainly due to an increase in the number of sales due to the timing 
of the launches of devices of new models. 

The increase was mainly due to an increase in the cost of selling end equipment in 
parallel  with  revenues,  the  registration  of  the  implementation  of  a  cloud  computer 
system  and  the  initial  registration  of  expenses  for  the  incentive  fund  for  fiber 
deployment. The increase was partially offset by a decrease in call completion fees 
as  a  result  of  a  certain  recovery  from  the  COVID  crisis  that  led  to  a  decrease  in 
consumption  as  well  as  a  continued  reduction  and  streamlining  of  operating 
expenses. 
The decrease was mainly due to a continued decrease in the number of jobs as part 
of an streamlining plan, offsetting the sending of employees on unpaid leave against 
the background of the COVID crisis in the corresponding year. 

Services 

1,642 

1,591 

51 

Sale of end equipment to 
customers 

647 

595 

Total revenue 

2,289 

2,186 

52 

103 

3.2 

8.7 

4.7 

Operating and general 
expenses 

1,346 

1,329 

17 

1.3 

Salaries 

Depreciation and 
amortization 
Other operating expenses, 
net 
Operating profit (loss) 

Financing income, net 

Income taxes 

Segment profit (loss) 

315 

577 

9 

42 

42 

20 

64 

324 

599 

18 

(84) 

48 

(11) 

(25) 

(9) 

(22) 

(9) 

126 

(6) 

31 

89 

(2.8) 

(3.7) 

(50) 

- 

(12.5) 

- 

- 

8 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2021 

1.2.2.  Activity segments (Cont.) 

d.  Bezeq International services 

2021 
NIS 
millions 

2020 
NIS millions  NIS 

Increase 
(decrease) 
% 

millions 

Revenue 

1,237 

1,271 

(34) 

(2.7) 

Operating and general 
expenses 

799 

802 

(3) 

(0.4) 

Salaries 

237 

248 

(11) 

(4.4) 

Depreciation and 
amortization 

173 

149 

24 

16.1 

Other operating expenses 

Operating profit (loss) 

Financing expenses, net 

Income taxes  

6 

22 

2 

12 

313 

(241) 

2 

(307) 

263 

- 

(98.1) 

- 

- 

32 

(20) 

(62.5) 

Segment profit (loss) 

8 

(275) 

283 

- 

Explanation 

The decrease was mainly due to a decrease in Internet revenues as well as a decrease 
in revenues from the sale of equipment and licensing to businesses as a result of delays 
in the global supply chain, the impact of the COVID crisis and the sanctions taken in the 
segment during August-November 2021. In addition, there is a decrease in revenue from 
international  talks.  The  decline  was  partially  offset  by  an  increase  in  revenue  from 
business services. 
The decrease was mainly due to a decrease in expenses for the sale of equipment and 
licensing to businesses in parallel with a decrease in revenue, as well as a decrease in 
expenses  for  loan-loss.  The  decrease  was  offset  by  an  increase  in  expenses  for 
communications  and  computing  services  for  businesses,  local  capacity  expenses  and 
professional consulting expenses. In addition, there has been an increase in expenses 
for the incentive fund for fiber deployment starting from the current year. 
The decrease was mainly due to a continued decrease in the number of employees as 
part of the streamlining plan. 
The increase was mainly due to impairment of assets in 2021 (loss from impairment of 
assets recognized in 2020 was classified in the segment under the item "Other operating 
expenses"), as well as an increase in depreciation expense. The increase was partially 
offset by a decrease  in current depreciation expenses as a result of  a decrease  in the 
value of assets last year. 
In 2020, an impairment loss of approximately NIS 307 million was recognized (see Note 
10.2 to the statements). 

In  2021,  tax  expenses  were  recorded  for  previous  years  due  to  an  assessment 
agreement. 
In  2020,  a  tax  asset  was  written  off  due  to  failure  to  anticipate  future  profits  for  tax 
purposes in the coming years. 

9 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2021 

1.2.2. Activity segments (Cont.) 

e.  Multi-channel TV * 

2021 
NIS 
millions 

20120 
NIS 
millions 

Increase (decrease) 
NIS 
millions 

% 

Explanation 

Revenue 

1,270 

1,287 

(17) 

Operating and general 
expenses 

825 

Salaries 

Depreciation and 
amortization 

Other operating 
expenses (income) 

Operating loss 

Financing expenses, 
net 

Income taxes 

Segment loss 

182 

292 

12 

 )41( 

1 

1 

 )43( 

838 

195 

310 

 )14( 

 )42( 

13 

2 

 )57( 

 )13( 

 )13( 

 )18( 

26 

1 

 )12( 

 )1( 

14 

(1.3) 

 )1.6( 

 )6.7( 

 )5.8( 

 )2.4( 

 )92.3( 

 )50( 

 )24.6( 

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 and a decrease in 
revenue from the sale of content to external entities. 

The decrease was mainly due to a decrease in content expenses. 

The decrease was due to a continued decrease in the number of jobs as part of the 
streamlining plan. 

The decrease was mainly due to a decrease in property, plant and equipment investments. 

In 2021, an expense was recorded in respect of a new collective agreement, while in 
2020, revenue was included in respect of a settlement agreement with a supplier and an 
update of an estimate in respect of an arrangement for the retirement of employees. 

The decline was mainly due to the impact of the change in the exchange rate of the dollar 
on hedging transactions. 

* The results of the multi-channel television segment are presented net of the overall impact of impairment recognized since 2018, see income "Proforma". Below. 
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 Notes 10.5 and 28 to the Statements. In addition, see Note 31.4 for a summary of selected data from the 
financial statements of DBS. 

10 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2021 

1.2.2.  Activity segments (Cont.) 

f.  Multi-channel TV (Cont.) - Comparison between accounting income and proforma income 

2021 

Accounting income  Proforma income  Accounting 

income 

NIS millions 

2020 

Proforma 
income 

Revenue 

1,270 

1,270 

1,287 

1,287 

Operating and general expenses 

Salaries 

Depreciation and amortization 

Other operating expenses  

Operating profit (loss) 

Financing expenses, net 

Income taxes 

Profit (loss) 

835 

188 

203 

12 

32 

1 

1 

30 

825 

182 

292 

12 

 )41( 

1 

1 

 )43( 

857 

203 

203 

 )15( 

39 

13 

2 

24 

838 

195 

310 

 )14( 

 )42( 

13 

2 

 )57( 

11 

 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2021 

1.3. 

 Main data from the consolidated quarterly statements of income (NIS millions) 

Q1-2021  Q2-2021  Q3-2021  Q4-2021  2021 

Explanation 

Revenue 

2,187 

2,155 

2,178 

2,203 

8,723 

Operating expenses 

1,638 

1,734 

1,685 

1,908 

6,965 

Operating profit 

Financing expenses, 
net 

Profit after financing 
expenses, net 

583 

75 

466 

110 

457 

146 

350 

147 

1,856 

478 

508 

356 

311 

203 

1,378 

Income taxes 

127 

91 

75 

89 

382 

Profit for the period 

381 

265 

236 

114 

996 

The fourth quarter includes revenues due to the launch of a new model 
iPhone device in the cellular communications segment. 
The first quarter includes a capital gain from the sale of a real estate 
property in the amount of NIS 125 million and a decrease in the provision 
for claims in the Fixed line communications sector. 

The fourth quarter includes expenses in respect of the termination of 
employee-employer relationship in early retirement in the Group, including 
an expense of NIS 67.5 million in the fixed domestic communications 
sector, see Note 16.5 to the 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. 

The second median includes early repayment costs of Series D and E series 
debentures, as well as partial early repayment of Series C debentures. In 
addition,  the  third  quarter  includes  early  repayment  costs  of  a  loan  in  the 
amount of NIS 15 million in the Fixed line communications segment. 

12 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2021 

1.4.  Cash Flow 

2021 

NIS 
millions 

2020 
NIS 
millions 

Change 
NIS 
millions 

% 

Explanation 

Net cash flow from 
operating activities 

2,826 

3,209 

(383) 

(11.9) 

The decrease in net cash flow from current operations was due 
to  changes  in  working  capital,  mainly  due  to  an  increase  in 
customer balances as a result of delays in billing and collection 
from  customers  due  to  employee  sanctions  in  the  cellular 
communications  segment  and 
international 
communication  and  network  endpoint  services,  Bezeq 
International, employee benefits as well as an increase in taxes 
paid in the Fixed line communications segment. 

Internet, 

in 

Net cash flow used for 
Investing operations 

(1,578) 

(1,067) 

(511) 

Net cash flow used for 
financing operations 

(1,144) 

(2,062) 

918 

(47.9)  The decrease in the net cash flow used for financing operations 
was  mainly  due  to  a  decrease  in  loan  repayment,  interest  paid 
and  costs  due 
line 
communications segment. 

the  Fixed 

repayment 

to  early 

in 

44.5  The  increase  in  net  cash  flow  used  in  investing  activities  was 
mainly due to a decrease in net proceeds from the repayment of 
deposits  in  banks  and  others  in  the  Fixed  line  communications 
segment, as well as an increase in investments in property, plant 
and equipment. 

Net increase in cash 

104 

80 

24 

30 

Average volume in the reported year  
Long-term liabilities (including current liabilities) to financial institutions and bondholders: approx. NIS 10,048 million. 
Credit providers: approx. NIS 905 million. Short-term customer credit: approx. NIS 1,680 million. Long-term customer credit: approx. NIS 252 million.

13 

 
 
 
 
 
 
 
 
 
 
 
 
  
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2021 

Working capital 

The  Group's  consolidated  working  capital  as  of  December  31,  2020  amounted  to 
approximately  NIS  565  million,  compared  with  working  capital  of  approximately  NIS  94 
million as of December 31, 2020. 

The Company's working capital (according to the "Solo” Statements) as of December 31, 
2021  amounted  to  approximately  NIS  212  million,  compared  with  working  capital  of 
approximately NIS 228 million as of December 31, 2020. 

Bezeq (according to the financial statements "Solo") has a working capital surplus as of 
December 31, 2020 in the amount of NIS 161 million, compared with a deficit in working 
capital of NIS 82 million as of December 31, 2020. 

The change in Bezeq's working capital was mainly due to an increase in current and cash 
investment balances, offsetting an increase in current maturities of bonds. 

In  addition,  there  is  an  increase  in  working  capital  in  the  other  companies  in  the  Bezeq 
Group. 

14 

 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2021 

1.5.  Disclosure regarding the Company's projected cash flow 

The Company's  Board of  Directors reviewed the Company's consolidated financial statements 
and  separate  (Solo)  financial  statements  as  of  December  31,  2021,  including  sources  for 
repayment of the Company's liabilities, including the Company's debentures (Series C and F). In 
addition, the Company's Board of Directors examined the warning signs set forth in Regulation 
10(b)(14)(a)  of  the  Securities  Regulations  (Periodic  and  Immediate  Reports),  5730-1970  and 
determined that despite the existence of a continuing negative cash flow from current operations 
in the separate (Solo) financial statements of the Company, in the opinion of the Company's Board 
of Directors, after receiving explanations for its opinion from the  Company's  Management, the 
continuing negative cash flow from current activities in the Company's separate (Solo) financial 
statements does not indicate a liquidity problem in the Company, and the Company has sufficient 
financial  resources  to  continue  its  operations  and  meet  its  obligations,  inter  alia,  taking  into 
account the Corporation's cash balances in the solo report. 

1.6.   Issuance and expansions of the Company's debentures against repayment of 

the Company's debentures 

During the reporting period, the Company issued to institutions and the public approximately NIS 
1,040 million in Series F debentures for a total of approximately NIS 1,040 million. Company used 
from  the  issuance  of  Series  F  debentures  to  make  a  full  early  repayment  of  the  Series  D 
debentures  principal  (plus  accrued  interest  as  of  the  vesting  date),  full  early  repayment  of  the 
Series E debentures principal (plus accrued interest as of the vesting date and an early repayment 
penalty,  as  defined  in  the  trust  deed  of  the  Series  E  debentures)  and  for  the  partial  early 
repayment  of  Series  C  debentures  (plus  accrued  interest  as  of  the  vesting  date  and  an  early 
repayment penalty, as defined in the trust deed of the Series C debentures). 

On  January  10,  2022,  the  Company  exchanged  approximately  NIS  417  million  in  Series  C 
debentures for approximately NIS 432 million in Series F debentures. 

For details regarding such issuances, see Regulation 20 of the report of the Company's Board of 
Directors attached to this report. 

1.7.  Plan to purchase the Company's shares 

On November 29, 2021, the Company's Board of Directors approved a plan to repurchase the 
Company's shares in the amount of up to NIS 30 million, which began on December 1, 2021, 
and ends: (1) upon purchase in the amount of NIS 30 million; or (2) on March 1, 2022, whichever 
is earlier. 

As  of  the  date  of  the  report,  in  accordance  with  the  said  repurchase  plan,  the  Company 
purchased shares in the total amount of approximately NIS 27 million. 

For further details, see the Company's report dated November 30, 2021 (Ref. No.: 2021-01-
104413).

1.8.  Epidemic – Outbreak of COVID-19 

At the beginning of 2020, an outbreak of the Coronavirus (COVID-19) began worldwide, which 
is an event with many consequences, including macroeconomic. Following the epidemic, many 
countries, including Israel, are taking significant measures 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 event 
and the actions taken as aforesaid have significant implications for many economies as well as 
for the capital markets in the world. 

15 

 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2021 

The effects of the COVID epidemic on the Bezeq Group's activities in 2021 were mainly reflected in 
damage to Pelephone's revenues from roaming services, as a result of the effects of the epidemic's 
spread on the aviation and international tourism segments, without significant negative effects in other 
areas of operations. Although the distribution of the vaccine and the reduction of restrictions on travel 
abroad supported a certain recovery in Pelephone's revenues from roaming services during the year, 
these have not yet returned to the pre-COVID level of activity. Rising prices of equipment from the 
main suppliers of Bezeq Group companies Bezeq Group companies are taking various measures in 
light of the aforesaid to reduce the damage to their operations. 

It should be noted that in terms of Bezeq Group companies, it appears that at this stage, the COVID 
crisis did not have a material effect on the ability of the Company and the Bezeq Group companies to 
meet  liabilities,  measurement  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 Report Date, the Bezeq Group's working assumption regarding the continued spread of the 
COVID epidemic is that the eradication of the epidemic will be characterized by a gradual decline that 
may be accompanied by waves of recurrent outbreaks and mutations in the virus. Accordingly, and 
subject to the above assumptions, the Bezeq Group anticipates that the effects of the COVID epidemic 
on its operations will be mainly reflected in harming Pelephone's revenues from roaming services, as 
a  result  of  the  epidemic's  effects  on  aviation  and  international  tourism,  without  significant  adverse 
effects in other areas. The Bezeq Group also anticipates that the global chip shortage and disruptions 
in the global supply chain  will affect commodity prices in the short term  and increase the  need for 
Bezeq Group companies to stock up. In addition,  it is possible that the impact  of the epidemic will 
cause a prolongation of projects that require technological equipment or other equipment. 

At the same time, this is a changing event that is not under the Bezeq Group’s control, and therefore 
the duration of the crisis or its exacerbation beyond the Bezeq Group's assumptions as detailed 
above, if any, may materially adversely affect Bezeq Group's results. These effects may be reflected, 
inter alia, in damage, beyond the estimates as stated above, in revenues from roaming services, and 
in damage to Bezeq Group companies' revenues from the business segment, revenues from the sale 
of cellular end equipment, employee availability, customer service and technicians, supply chain, and 
amounts and dates of collection from Bezeq Group customers. 

Bezeq Group’s estimates as aforesaid may vary depending on various developments regarding the 
COVID  epidemic  and  its  effects,  in  particular  the  duration  and  extent  of  the  event,  the  nature  and 
extent of the economic and other restrictions that accompany it, as well as the intensity and duration 
of the economic slowdown. 

For  more  information,  see  the  analysis  of  the  results  of  operations  in  the  cellular  communications 
segment,  Fixed  line  communications  segment  and  the  Bezeq  International  Services  segment  in 
Chapter 1.2.2, Sections B, C and D above. 

16 

 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2021 

2.  Corporate governance aspects 

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,  education  and  community  issues.  In  the  reported  year,  the  Company 
donated a lot of equipment to the Ichilov Hospital, to the Reut Rehabilitation Hospital and to additional 
associations, 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 2021 Bezeq Group contributed a total of approx. NIS 3.6 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 in respect of the accountants of the main subsidiaries in the Group in 
respect of audit services and audit-related services: 

Company name 

Auditor 

Details 

2021 

2020 

B. Communications Ltd. 

Somekh 
Chaikin 

the 

Bezeq 
- 
Telecommunications 
Corporation Ltd. 

Israel 

Somekh 
Chaikin 

Pelephone 
Communications Ltd. 

Somekh 
Chaikin 

Bezeq International Ltd 

Somekh 
Chaikin 

DBS Satellite Services 
(1998) Ltd. 

Somekh 
Chaikin 

Total 

Audit  and  ancillary  to  audit 
(including  audit-related  tax 
services) 
Other services1 
Audit  and  ancillary  to  audit 
(including  audit-related  tax 
services) 
Other services 
Audit  and  ancillary  to  audit 
(including  audit-related  tax 
services) 
Other services1 
Audit  and  ancillary  to  audit 
(including  audit-related  tax 
services) 
Other services1 
Audit  and  ancillary  to  audit 
(including  audit-related  tax 
services) 
Other services1 

380 

130 

515 

166 

1,530 

1,700 

684 

642 

366 

1,483 

519 

671 

83 
6,488 

951 

670 

520 

1,166 

122 

680 

52 
6,542 

1  "Other services" provided to the Group's main companies in the years 2021 and 2020 including, among other things, consulting 

services on tax and accounting matters and special approvals. 

17 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2021 

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.

18 

 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2021 

2.3. 

Directors with accounting and financial skills and independent directors 
As  of  the  date  of  this  report,  all  seven  of  the  Company's  current  directors  have  accounting  and 
financial expertise; For details on the directors with accounting and financial expertise who hold office 
at  the  Company  as  of  the  Report  Date,  see  Regulation  26  in  the  report  of  further  details  on  the 
Company  (Part  D  of  this  Periodic  Report)  and  in  sections  2  and  9  of  the  Corporate  Governance 
Questionnaire. 

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 the 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 

 Method 
appointment 

of 

The  Organizational 
Commissioner of  

The internal auditor 

Work plan 

Hourly fee, according to the number of hours determined at the beginning of each 
year by the Audit Committee. 
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 2021 is derived from the Company's multi-year work plan 
determined for the years 2021-2024. 
The considerations in determining the work plan of the internal audit 
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 

19 

 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2021 

Concentration of 

details 

internal audit referred to the risk survey conducted by it, as well as other sources 
that influenced the risk assessment in these processes, such as discussions with 
Management, findings of previous audits 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. 

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.  

Concentration of 

details 

The audit's treatment 
of material investee 
corporations 

Performing the audit 

Access to information 

Auditor's report 

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. 
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 

20 

 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2021 

Concentration of 

details 

The Board's 
assessment of the 
Internal Auditor's 
activities 

Remuneration 

Internal Auditor for the second quarter of 2021 on August 9, 2021. In addition, the 
report on the implementation of the supervision procedure by the Internal Auditor 
for the fourth quarter of 2020 and an audit on the implementation of the 
supervision procedure by the Company 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 2021, the volume of the 
hours invested in the audit by the Internal Auditor was approximately 240 hours, 
noting that the said hours volume is sufficient for the Internal Auditor to complete 
the audit work properly. 

In 2021, the Internal Auditor was paid compensation in the amount of NIS 84,240, 
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. 

21 

 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2021 

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. 

A highly material valuation of Bezeq Fixed Lines as of December 31, 2021 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 - 

Material valuation as of 
December 31, 2021 

Highly material valuation as 
of December 31, 2021 

See Section 3.1.4 below 

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. 

Highly material valuation as of 
December 31, 2021 
(Attached to Bezeq’s 
Statements as of December 31, 
2021).  

 Highly material valuation as 
of December 31, 2021  
(Attached to Bezeq’s 
Statements as of December 
31, 2021).  

See Sections 3.1.1 and 3.1.1 
below. 

See section 3.1.3 below 

Recoverable amount of DBS 
Satellite Services (1998) Ltd. for 
the purpose of examining the 
impairment of non-current assets.  

Value in use of Bezeq 
International for examination of 
impairment of non-current 
assets. 

December 31, 2021 
The valuation was signed on 
March 10, 2022 

December 31, 2021 
The valuation was signed on 
March 22, 2022 

December 31, 2021 
The valuation was signed on 
March 22, 2021 

September 30, 2021 
The valuation was signed on 
March 22, 2021 

NIS 1,613 million book value 
of the net operating assets of 
Pelephone (*) (including cost 
surplus balance net of 

 Approx. NIS 10 billion book 
value of the net operating 
assets of  

 A negative total of approx. NIS. 
(16) million 

Approx. NIS 95 million. 

22 

Identification of 
subject of 
valuation 

Timing of the 
valuation 

Value of the 
subject of the 
valuation close 

 
 
 
 
 
 
 
 
  
  
  
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2021 

Pelephone - 

 Bezeq Fixed Lines - 

 DBS -  

 Bezeq International - 

Material valuation as of 
December 31, 2021 

Highly material valuation as 
of December 31, 2021 

See Section 3.1.4 below 

Highly material valuation as of 
December 31, 2021 
(Attached to Bezeq’s 
Statements as of December 31, 
2021).  

 Highly material valuation as 
of December 31, 2021  
(Attached to Bezeq’s 
Statements as of December 
31, 2021).  

See Sections 3.1.1 and 3.1.1 
below. 

See section 3.1.3 below 

to the date of 
the valuation 

goodwill at the Company 
level). 

 Bezeq Fixed Lines (including 
cost surplus balance net of 
goodwill at the Company 
level). 

Value of the 
subject of the 
valuation 
determined in 
accordance 
with the 
valuation 

Approx. NIS 2,798 million 

 Approx. NIS 19,186 million.  

Total negative: NIS (109) million. 

Total of NIS 70 million. 

The Company has concluded 
that there is no impairment 
that requires a reduction in 
the amounts of surplus costs 
recorded in the Company's 
books. 

The Company has concluded 
that there is no impairment 
that requires a reduction in 
the amount of goodwill 
recorded in the Company's 
books. 

Identification 
characterization 
of the valuator 

The valuation was performed by Prof. Hadas Gelander, Partner, Director of Valuations and Economic Models in the Economic 
Department of Ernest Young (Israel) Ltd. Prof. Gelander holds a bachelor's degree in accounting from the College of 
Management, Rishon LeZion; A master's degree in business administration from the Hebrew University of Jerusalem; And a 
Ph.D. cum laude from Ben-Gurion University, Beer-Sheva, and is also a certified public accountant in Israel. 

As part of her role, Prof. Gelander accompanies projects with leading companies in Israel and around the world, in various fields 
of activity and industries such as: technology, finance, pharmaceuticals, energy, infrastructure, real estate and industry. In 
addition, during her role accompanying and advising companies in the areas of valuations for business needs (valuations and 
fair opinions) and accounting needs (allocation of acquisition costs, valuation of intangible assets, valuation of options for 
employees, etc.), she provided economic opinions as a court-appointed expert witness. The valuator has no dependence on 
Bezeq or the Company. Bezeq undertook to indemnify the valuator for damages in excess of three times her fee, unless she 
acts maliciously or through gross negligence. 

23 

 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended December 31, 2021 

Pelephone - 

 Bezeq Fixed Lines - 

 DBS -  

 Bezeq International - 

Material valuation as of 
December 31, 2021 

Highly material valuation as 
of December 31, 2021 

See Section 3.1.4 below 

Highly material valuation as of 
December 31, 2021 
(Attached to Bezeq’s 
Statements as of December 31, 
2021).  

 Highly material valuation as 
of December 31, 2021  
(Attached to Bezeq’s 
Statements as of December 
31, 2021).  

See Sections 3.1.1 and 3.1.1 
below. 

See section 3.1.3 below 

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 

Discount rate - 9% (after tax). 

 Discount rate - 7% (after tax).  

 Discount rate - 8.5% (after tax).  

Discount rate – 8.5% (after tax). 

Permanent growth rate - 
1.5%. 

The  percentage  of  scrap 
value  from  the  total  value 
determined in the valuation is 
approximately 77.1%. 

 Permanent growth rate - 1%. 

 Permanent growth rate - 1%. 

Permanent growth rate - 1%. 

 The percentage of scrap 
value from the total value 
determined in the valuation is 
approximately 76.9%. 

 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 - not relevant 

In addition, assumptions were 
made regarding fair value net of 
cost of sale of the DBS’s assets. 

In addition, assumptions were 
made regarding fair value net of 
cost of sale of Bezeq 
International’s assets. 

(*) 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

24 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2021 

3.1.  Disclosure regarding valuations (Cont.) 

3.1.1.  Despite the negative value of DBS' operations, Bezeq supports DBS by approving credit 
facilities  or  investing  in  DBS's  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. 

3.1.2. 

In the Company's consolidated financial statements as of December 31, 2021, 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,  the  valuator  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 valuator as required 
under the Staff Position, see the valuations attached to Bezeq's financial statements. 

3.1.3. 

Information under Regulation 10(b)(8) of the Securities Regulations 

a.  Regarding the valuation of Pelephone for December 31, 2020, which was attached to 
Bezeq’s 2020 annual report, Bezeq examined the performance data in 2021 regarding 
Pelephone's free cash flows compared to the 2021 forecast included in the aforesaid 
valuation  and  found  that  Pelephone's  free  cash  flows,  according  to  its  financials 
reports for 2021, are lower than the forecast in the said valuation. The gap was due 
to  an  increase  in  the  Company's  customers  balance  as  a  result  of  organizational 
sanctions that caused a delay in the amounts and dates of collection from customers. 
This  effect  was  partially  offset  by  a  high  level  of  revenue  relative  to  the  forecast 
(positive deviation in the number of subscribers and in ARPU), streamlining beyond 
planning in salary expenses and timing gaps in investment flows. 

b.  Regarding  the  valuation  of  DBS  as  of  December  31,  2020,  which  was  attached  to 
Bezeq’s financial statements of 2020,  the Group  examined the  actual data  in 2021 
regarding  the  free  cash  flows  compared  to  the  2021  forecast  included  in  the  said 
valuation  and  found  that  the  free  cash  flows  of  DBS,  according  to  its  financial 
statements for 2021, are significantly higher than the forecast in the said valuation. 
The gap was due to high revenues relative to the forecast (higher than forecast mix 
of  premium  and  ARPU  subscribers),  low  operating  expenses  relative  to  planning 
(mainly  salary  and  content  expenses),  and  changes  in  working  capital.  For  further 
information, see  Appendix  H in the attached valuation of DBS as  of December 31, 
2021, which was attached to Bezeq's financial statements. 

c.  Regarding the valuation of Bezeq International as of September 30, 2020, which was 
attached to the quarterly report as of September 30, 2020, the Company examined 
the actual data in 2021 regarding Bezeq International's free cash flows compared to 
the  2021  forecast  included  in  the  valuation  as  aforesaid,  and  found  that  Bezeq 
International's  free  cash  flows,  according  to  its  financial  statements  for  2021,  are 
similar to the forecast in the aforesaid valuation. It should be explained that the gap 
was due to an increase in the balance of Bezeq International's customers as a result 
of organizational sanctions that caused delays in the  amounts and collection  dates 
from  customers,  mainly  offset  by  lower-than-predicted  investment  flows  (increased 
streamlining and timing gaps). 

3.1.4.  For further information, see Note 10 to the Statements. 

25 

 
 
 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2021 

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 subsequent events 

Regarding material incidents after the date of the financial statements - see Note 32 to the 
financial statements. 

26 

 
 
 
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2021 

4.  Details related to a series of liability certificates 

The following is data about the Company's debentures in circulation, as of December 31, 2021: 

A 

B 

Issue date (no extensions) 

15.09.2016 

06.07.2021 

Series C debentures 

Series F debentures 

Total value denominated at 
the date of issue (par value)  

NIS 1,882,265,000 

NIS 393,973,000 

C  Nominal value (par value) as 

NIS 1,009,998,772 

NIS 1,040,155,000 

D 

E 

of the Report Date 
The amount of interest 
accrued as of the Report 
Date 
Fair value as included in the 
financial statements  

NIS 3,302,558 

NIS 3,224,481 

NIS 950,742,340 

NIS 1,034,940 

F   Stock market value 

NIS 1,058,377,714 

NIS 1,069,487,371 

G 

Type of interest  

Fixed at a rate of 3.85% 

Fixed at a rate of 3.65% 

H 

Principal payment dates 

November 30, 2024 

November 30, 2026 

I 

Interest payment dates 

On May 31 and November 30 
of each year, from May 31, 
2020 to 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, 2021 to November 30, 
2026. 
Not linked 

Material 

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 debentures are not rated 

N 

Compliance with the terms of 
the trust deeds 

O 

Liens 

P 

Q 

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 act to exercise the 
lien granted in their favor 
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 
debentures 

The Company issued to the trustees of Series C and F 
debentures certificates regarding its compliance with the 
terms of the trust deeds for 2021. 
Unlimited amount first-degree lien (pari-passu) on 
728,373,713 ordinary Bezeq shares of NIS 1 par value each 
held directly by the Company and on the rights attached to 
these shares. 
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 debentures. 

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 and F). 
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). 

27 

 
 
  
 
 
Report of the Board of Directors on the state of affairs of the corporation for the year ended 
December 31, 2021 

Financial clauses of the Company's debentures 

In accordance with the Company's obligation in debentures Series C and F 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, 2021 was 55.2%. 

The Company's net debt balance as of December 31, 2021 is approximately NIS 1,772 million, and 
consists  of  a  principal  balance  and  accrued  interest  as  of  the  balance  sheet  date  in  respect  of  its 
debentures in the amount of NIS 2,056 million (net of approximately NIS 13.6 million par value held 
by a partnership held by the Company) net of cash balances and investments in the amount of NIS 
284 million. 

5. 

 Miscellaneous 

For information regarding the statement of liabilities of the reporting corporation and the subsidiaries 
in its financial statements as of December 31, 2021, see the Company’s report dated March 23, 
2022. 

Darren Glatt 
Chairman of the Board of Directors 

Tomer Raved 
CEO 

Date of signing: March 23, 2022 

28 

 
 
 
 
 
 
 
Chapter C  
Consolidated Financial Statements 
for the Year Ended December 31, 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated Financial Statements as of December 31, 2021 

Table of contents 

Auditors' reports 

The financial statements 

Consolidated statements of financial position 

Consolidated statements of profit 

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 

30 

31 

32 

General 

Basis of preparation of the financial statements 

Accounting policy principles 

Cash and cash equivalents 

Investments  

Trade receivables 

Income taxes 

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 

Equity 

Revenue 

Operating and general expenses 

Salaries 

Other operating expenses (income), net 

Financing expenses (income), net 

Share-based payment 

Profit per share 

Segmental reporting 

Related parties transactions  

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 

Page 

3 

6 

8 

8 

9 

10 

11 

15 

17 

33 

33 

33 

35 

38 

41 

43 

49 

50 

55 

62 

62 

63 

66 

70 

71 

73 

74 

74 

75 

75 

76 

76 

78 

78 

83 

88 

96 

100 

 
 
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. 

We  audited  the  consolidated  financial  statements  of  B  Communications  Ltd.  (hereinafter  –  “the 
Company”)  as  of  December  31,  2021  and  2020  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, 2021. 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 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 provides an adequate basis for our opinion. 

In our opinion, the following consolidated financial statements adequately reflect, in all material respects, 
the financial position of the Company and its subsidiaries as of December 31, 2021 and 2020 and the 
results of their operations, changes in equity and cash flows for each of the three years in the period 
ended December 31, 2021 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, 2021, and our report of March 
23, 2022 included an unreserved opinion on the effective existence of said components. 

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 17 regarding 
claims filed against the Group and the exposure in respect of which cannot be assessed or calculated 
at this stage.  

Somekh Chaikin 
Certified Public Accountants 

March 23, 2022

2 

 
 
 
 
 
 
 
 
 
 
 
 
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. 
and subsidiaries (hereinafter, jointly – “the Company") as of December 31, 2021. 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. 

In our opinion, from all relevant aspects, the Company has effectively maintained the audited 
control components as of December 31, 2021. 

3 

 
 
 
 
 
 
 
 
 
 
As described in the report regarding the effectiveness of the internal control over the financial 
reporting and disclosure as of December 31, 2021 of B Communications Ltd. (hereinafter - "the 
Corporation"),  regarding  the  investigations  by  the  Israel  Securities  Authority  and  the  Israel 
Police,  as  specified  in  Note  1.1.7  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 Corporation 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, 2021 and 2020 and for each 
of the three years ended December 31, 2020 and our report, dated March 23, 2022, 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  17 
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 23, 2022 

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 " )  

4 

 
 
 
 
 
 
 
Consolidated financial statements as of December 31, 2021 

Consolidated financial statements of financial position as of December 31 

Assets 

Cash and cash equivalents  

Investments 

Trade receivables 

Other receivables 

Inventory  

Assets held for sale 

Total current assets 

Long-term trade and other 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  

2021 

2020 

Note 

NIS millions 

NIS millions 

4,3.3 

5,3.3 

 ,6

3.3

 ,6

3.3

3.9 

 ,6

3.3

3.4 

 ,8

3.7

 ,9

3.5

 ,10

3.6

11 

  ,7

3.16

998 

1,134 

1,859 

280 

74 

- 

894 

881 

1,621 

180 

73 

10 

4,345 

3,659 

433 

60 

1,828 

6,312 

3,251 

306 

24 

514 

67 

1,804 

6,131 

3,268 

402 

108 

12,214 

12,294 

Total assets  

16,559 

15,953 

6 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Separate financial information as of December 31, 2021  

Consolidated financial statements of financial position as of December 31 (cont.) 

Debentures and loans 

Current maturities of lease liabilities  

Trade and other payables  

Employee benefits 

Provisions  

 Total current liabilities 

Debentures and loans  

Lease liabilities  

Employee benefits 

Derivatives and other liabilities 

Deferred tax liabilities 

Provisions 

Total non-current liabilities 

Note 

NIS millions 

NIS millions 

2020 

2019 

 ,13

3.3

 ,8

3.7

14 

  ,16

3.11

  ,15

3.12

 ,13

3.3

 ,8

3.7

  ,16

3.11

  ,7

3.16

  ,15

3.12

980 

466 

1,755 

510 

69 

3,780 

9,068 

1,511 

243 

142 

296 

49 

785 

415 

1,766 

482 

117 

3,565 

9,485 

1,492 

335 

307 

290 

52 

11,309 

11,961 

Total liabilities 

15,089 

15,526 

Equity (deficit): 

20 

Attributable to the shareholders of the Company 

Non-controlling interests 

Total equity 

16 

1,454 

1,470 

 )

107

(

534 

427 

Total liabilities and equity (equity deficit) 

16,559 

15,953 

Darren Glatt 
Chairman of the Board of Directors 

Tomer Raved 
CEO 

Itzik Tadmor 
CFO 

Date of approval of the financial statements: March 23, 2022. 

The notes attached to the consolidated financial information form an integral part thereof.

7 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated financial statements as of December 31, 2021 

Consolidated statements of income for the year ended December 31 

Note 

NIS millions 

NIS millions 

NIS millions 

2021 

2020 

2019 

  ,21

3.13

8,821 

8,723 

8,929 

3,265 

1,888 

1,889 

- 

(77 )

6,965 

1,856 

533 

(55 )

478 

3,182 

1,894 

1,858 

8 

73 

7,015 

1,708 

525 

(51 )

474 

1,378 

1,234 

- 

1,378 

382 

996 

129 

867 

996 

- 

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

(

 )

853

(

 )

607

(

 )

1,460

(

1.11 

1.35 

 )

19.7

(

Revenue 

Operating expenses 

Operating and general expenses  

Salaries 

Depreciation, amortization and 
impairment 

Impairment loss 

Other operating expenses (income), net 

Total operating expenses 

Operating profit 

22 

23 

8,9,10,11 

11 

24 

Financing expenses (income)  

  ,25

3.15

Financing expenses 

Financing income 

Financing expenses, net 

Profit after financing expenses, net 

Share of losses of equity accounted 
investee  

Profit (loss) before income taxes 

Income taxes 

  ,7

3.16

Net profit 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 

Basic and diluted profit (loss) per 
share (NIS) 

8 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated statements of comprehensive profit for the year ended December 31 

Profit (loss) for the year 

Reassessment of 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 

2021 

2020 

2019 

NIS millions 

NIS millions 

NIS millions 

996 

(1)

37 

1,032 

139 

893 

1,032 

900 

(9)

(5)

886 

154 

732 

886 

 )

1,460

(

(33 )

1 

 )

1,492

(

 )

862

(

 )

630

(

 )

1,492

(

The notes attached to the consolidated financial information form an integral part thereof.

9 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated financial statements as of December 31, 2021 

Consolidated statements of changes in equity for the year ended December 31 

Share 
capital 

Share  
Premium 

Treasury 
shares 

Other 
reserves 

Retained 
earnings 
(Deficit) 

Non-
controlling 
interests 

Total 

NIS 
millions 

NIS 
millions 

NIS 
millions 

NIS 
millions 

NIS 
millions 

NIS 
millions 

NIS 
millions 

 Balance as of January 1, 2019 

Issuance of shares  

Loss for the year 2019 

Other comprehensive loss for 
the year, net of tax 

Total comprehensive loss for the 
year 2019 

3 

9 

- 

- 

- 

1,057 

438 

- 

- 

- 

- 

- 

- 

(*) 

- 

- 

- 

- 

(853) 

(853) 

(607) 

(1,460) 

(9) 

(9) 

(23) 

(32) 

(862) 

(862) 

(630) 

(1,492) 

(*) 

(38) 

(848) 

174 

447 

433 

- 

- 

Total 

NIS 
millions 

607 

447 

 Balance as of December 31, 
2019 

Acquisition of non-controlling 
interests 

Net compensation for the Horev 
Claim (See Note 17)  

Profit for the year 2020 

Other comprehensive loss for 
the year, net of tax 

 Total comprehensive profit for 
the year 2020 

Balance as of December 31, 
2020 

Share based payment 

Shares buyback (see Note 20) 

Profit for the year 2021 

Other comprehensive profit for 
the year, net of tax 

Total comprehensive profit or the 
year 2021 

Balance as of December 31, 
2020 

12 

1,495 

(*) 

(38) 

(1,710) 

(241) 

(197) 

(438) 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

(39) 

(39) 

(1) 

(40) 

19 

157 

19 

157 

- 

743 

19 

900 

(1) 

(2) 

(3) 

(11) 

(14) 

(*) 

(1) 

155 

154 

732 

886 

12 

1,495 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

)*( 

- 

(16 )

- 

- 

- 

- 

- 

- 

10 

10 

(39 )

 )

1,575

(

 )

107

(

- 

- 

129 

- 

(16 )

129 

534 

27 

- 

867 

427 

27 

(16 )

996 

- 

10 

26 

36 

129 

139 

893 

1,032 

12 

1,495 

(16 )

(29 )

 )

1,446

(

16 

1,454 

1,470 

(*) An amount of 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, 2021 

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 

Share-based payment 
Income tax expenses 

Change in trade and other 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 
Purchase of property, plant and equipment 

Investment in intangible assets and deferred 
expenses 

Investment activity, net 
Income from the sale of property, plant and 
equipment  
Deposit to restricted cash 

Tax payments for 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 debentures and receipt of loans 
Acquisition of non-controlling interests 

Repayment of debentures and loans 
Leasing rincipal and interest payments 

Net compensation in respect of the Horev Claim 
Receipt from issue of shares, net 

Buyback of shares 
Interest paid 

Early repayment fees of loans and debentures 
Payment for expired hedging transactions 

Miscellaneous 

2021 

2020 

2019 

Note 

NIS millions  NIS millions  NIS millions 

996 

900 

 )

1,460

(

8,9,10,11 
10 

10 
24 

25 

26 
7 

6 

14 

15 
16 

9 

10,11 

1,889 
- 

- 
(

 )

175

- 
498 

27 
382 

 )

229

(

(19 )
(41 )

(47 )
(65 )

(5)
385
(

 )

2,

826

1,3 )

(28

(633 )

(416 )
278 

- 

- 
- 

(1)

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 

 )

1,133

(

 )

366

(

 )

1,095

(

 )

382

(

222 
148 

- 

- 
44 

18 

569 
404 

(39 )

(69 )
- 

35 

13 
12 

13 
8 

17 

20 
13 

13 

 )

1,

578

(

 )

1,067

(

 )

577

(

1,730 
- 

 )

2,072
387

 )

(
(

- 
- 

(16 )
333
(

 )

(34 )
(30 )

(2)

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 activities 

 )

1,144

(

 )

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 

10410 
104 
894 

998 

82 
80 
814 

894 

 )
290
(
(
 )
290
1,104 

814 

10 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The notes attached to the consolidated financial information form an integral part thereof.

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, 2021, 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,  2021,  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 has held 
60.18% and the Forer Family has held 11.39% of the Company's ordinary and 
issued shares. 

As  of  December  31,  2021,  Searchlight  holds  a  rate  of  61.25%  and  the  Forer 
family holds a rate of 11.59% of the Company's ordinary and issued shares. Their 
holdings increased following a repurchase of the Company's shares made by the 
Company during December 2021 (see Note 21). 

For details regarding the holding rates of Searchlight and the Forer family after 
the balance sheet date, see Note 32. 

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  Satellite 
Services  1998  Ltd  (“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 former Prime Minister Binyamin Netanyahu, to promote 
issues  related  to  Elovitch’s  business  and  his  and  Bezeq  Group's 
economic  interests.  ("Case  4000").  Following  the  investigations, 
indictments were filed and notices were received as follows: 

11 

 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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 
former  Prime  Minister  Binyamin  Netanyahu, 
power  by 
promoting  issues  related  to  Elovitch’s  business  and  his  and 
Bezeq Group's economic interests. 

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  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.  

12 

 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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. 

f.  Subsequently, on July 8, 2021, Bezeq and Walla submitted 

a written argument for the hearing. On August 12, 2020, a 
hearing was held for the companies with the Deputy State 
Attorney (Criminal Enforcement) and the team of attorneys 
handling the case. As of the date of publication of the 
report, a decision has not yet been made by the State 
Attorney's Office and the Attorney General regarding the 
filing of an indictment following the allegations raised at the 
hearing, and the companies have not been given an 
expected date for making the decision. 

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. 

13 

 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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 note). 

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. 

1.3.2 

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 17. 

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 hearing on this matter as detailed in 
the above note 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. 

1.4 

Pandemic - Outbreak of COVID-19 

implications, 

is  an  event  with  many 

The  beginning  of  2020  saw  a  worldwide  outbreak  of  the  Coronavirus 
(COVID-19)  which 
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. 

14 

 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

The effects of the COVID pandemic on the Group's operations in 2021 were 
mainly  reflected  in  the  damage  to  Pelephone's  revenues  from  roaming 
services, as a result of the effects of the pandemic’s spread on the aviation 
and  international  tourism  sectors,  without  significant  negative  effects  in 
other areas of operations. Although the distribution of the vaccine and the 
reduction  of  restrictions  on  travel  abroad  supported  a  certain  recovery  in 
Pelephone's revenues from roaming services during the year, these have 
not  yet returned  to the  pre-COVID  level  of  activity.  In  addition,  the  global 
chip  shortage  and  disruptions  in  the  supply  chain  cause,  among  other 
things,  shortages  and  difficulties  in  the  supply  of,  and  sometimes  price 
increases  in,  equipment  from  the  main  suppliers  of  the  Bezeq  Group 
companies. The Bezeq Group companies are taking various measures in 
light of the aforesaid to reduce the harm to their operations.  

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 ability 
of the Group companies, including the Company, 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  the  eradication  of  the  pandemic  is  characterized  by  a 
gradual decline that may be accompanied by repeated waves of outbreaks 
and  mutations  in  the  virus..  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. 
Bezeq Group also expects that the global chip shortage and disruptions in 
the global supply chain will affect commodity prices in the short term and 
increase the need for Bezeq Group companies to stock up. In addition, it is 
possible  that  the  impact  of  the  pandemic  will  cause  a  prolongation  of 
projects that require technological equipment or other equipment. 

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  systems,  the  supply 
chain, and the amounts and dates of collection from the Group's customers.  

15 

 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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. 

No effect on the Company's ability to meet its debt service is expected. 

1.5 

Definitions 

In these financial statements: 
The Company  B Communications Ltd. 
The Group 
Bezeq 

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 12. 
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, 5728-1968 

CPI 

The Consumer Price Index published by the Central Bureau 

of Statistics  

16 

 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

2.  Basis for the 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 23, 2022. 

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. 

17 

 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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 of the next fiscal year: 

Topic 
Measuring the 
recoverable 
amounts of cash-
generating units  
Duration of 
property, plant 
and equipment, 
intangible assets 
and other long-
term assets 
Determining the 
lease period 

Uncertain tax 
positions 

Provisions and 
contingent 
liabilities, including 
levies 

Main assumptions 
Assuming the expected cash 
flows from the cash-generating 
units  

Possible consequences 
Recognition of impairment 
loss or cancellation of 
impairment loss 

Reference 
Note 10 

Assumptions regarding the useful 
duration of a group of property, 
plant and equipment, intangible 
assets and other assets 

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 
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  

Notes 9, 
10,11 

Note 8 

Change in the value of 
property, plant and 
equipment and intangible 
assets and other assets 
and in depreciation and 
amortization expenses 
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 

Recognition or cancellation 
of income taxes expenses  

Note 7 

Note 15 
and Note 
17 

Cancellation or creation of 
a provision in respect of a 
claim, recognition of 
revenue / expenses and 
recognition of revenue in 
respect of such a change, 
respectively 

The Company's assumption of 
the estimated payment to the 
authorities in respect of levies on 

Change in capital gain 
from the sale of a real 
estate asset in the "Sakia" 

Note 6.6 

18 

 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

real estate in the "Sakia" 
complex 
Employee benefits  Actuarial assumptions such as 

Deferred taxes 

Existence of 
effective control 
over Bezeq 

discount rate, future wage 
increase rate and departure rate 

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 
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 

complex 

An increase or decrease in 
employee benefits 
liabilities and early 
retirement liabilities 
Recognition of deferred tax 
asset 

Note 16 

Note 7 

Note 12.5 

Consolidation of Bezeq's 
financial statements or 
treatment of an investment 
in Bezeq using the equity 
method 

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. 

19 

 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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 equity in a subsidiary that cannot be 
attributed,  directly  or  indirectly,  to  the  parent  company  and  include 
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  equity  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  equity 
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. 

20 

 
 
Notes to consolidated financial Statements as of December 31, 2021 

3.3.  Financial Instruments 

3.3.1.  Non-derivative financial assets 

Non-derivative  financial  assets  mainly  include  investments  in  deposits, 
customers and 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 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. 

21 

 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

Customers, trade receivables and deposits 

The Group has balances of customers, 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 
minus 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 

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 minus 
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 under 
financing income or expenses item. 

The terms differ materially if the discounted present value of the cash flows 
under  the  new  terms,  including  any  commissions  paid,  minus  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 (income)". 

22 

 
 
Notes to consolidated financial Statements as of December 31, 2021 

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  profit  or  loss  from  subtraction  / 
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 

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 debentures 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 income or expenses. 

23 

 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

3.4.Broadcasting rights 

The  broadcasting  rights  are  presented  according  to  cost,  minus 
exercised rights 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  rights  to  the  broadcast  and  costs  of  original 
productions.  The  broadcasting  rights  are  reduced  in  a  straight  line 
according to the period of the rights agreement or the economic duration, 
whichever is shorter. 
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 minus 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. 

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  property,  plant  and  equipment  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. 

24 

 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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, which it 
considers likely to materialize) and the useful life of the lease improvements, 
whichever is shorter. 

The estimate of the useful duration 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 
2-10 

12-33 
1-17 
4-8 
6-7 
5-10 
3-7 

4-10 
Until December 
31, 2037 
25 
10-25 

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 minus 
accumulated  impairment  losses.  Reputation  is  reviewed  at  least  once  a  year  for 
impairment examination. See also Note 10. 

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  salary  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  minus  amortization  and 
impairment losses. 

25 

 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

3.6.3. 

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. 

3.6.4. 

Embedding costs of cloud computing arrangements 

Embedding costs of cloud computing arrangements are discounted for the asset as 
long as the asset meets the definition of an intangible asset, and in particular to the 
extent  that  the  Group  controls  the  asset.  To  the  extent  that  the  Group  does  not 
recognize an intangible asset, the Group examines whether the services received 
are differentiated from the cloud computing service. To the extent that the services 
the Group receives are differentiated from the cloud computing services or provided 
by  a  third-party  provider  that  is  not  the  cloud  computing  provider,  the  Group 
recognizes the expense with the provision of the implementation services. To the 
extent  that  the  services  are  not  differentiated,  the  implementation  costs  are 
recognized as an expense in the rate of consumption of cloud computing services. 

3.6.5. 

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.  3G  frequencies  (UMTS  /  HSEA) 
depreciate  until  the  end  of  2030.  4G  frequencies  (LTE)  and  5G  frequencies  will 
depreciate until September 2032. 

Amortization  of  rights  in  frequencies  is  attributed  to  the  depreciation  and 
amortization item in the statement of income. 

3.6.6.  Other intangible assets 

Other intangible assets acquired by the Group, with a defined useful life, are 
measured at cost minus 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 examined at least once a year for impairment. 
The estimated useful life for the current period is: 

Property type 

Reduction period 

3G frequencies - until December 2030 

Frequency use rights 

4G and 5G frequencies - until August 2032 

Computer software and software use 

throughout the estimated duration of use of the 

licenses  

software 

1-7 years depending on the license period or 

26 

 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

Estimates  of  the  depreciation  method  and  useful  duration  are  reviewed  at  least 
once every reporting year and adjusted as necessary. 

3.7.Leasing 

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. 

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. 

27 

 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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, minus cumulative depreciation And after 
deducting  cumulative  losses  from  impairments  and  adjusted  for  re-
measurements  of  the  liability  in  respect  of  the  lease.  Amortization  is 
calculated  on  a  straight-line  basis  over  the  useful  duration  or  the 
contractual lease period, whichever is earlier, as follows: 

Asset type 

Weighted average of the agreement period as of 

December 31, 2021 (years) 

Cellular communication sites 

Structures 

Vehicles 

6 

15 

2 

3.7.6. 

Subleases 

In leases in which Bezeq Group leases the underlying asset in a sublease, 
Bezeq Group examines the classification of the sublease as a finance or 
operating  lease  in  relation  to  the  right-of-use  obtained  in  the  main  lease. 
Bezeq Group examined existing leases at the date of initial application in 
accordance with the balance of their contractual terms as of that date. 

3.8.  Rights of use of capacities 

Transactions  for  the  purchase  of  an  indefeasible  right  of  use  (IRU)  in 
underwater  cable  capacities  were 
treated  as  service  acceptance 
transactions. The amount of the prepaid expense is amortized as part of the 
depreciation  expenses,  in  a  straight  line,  in  accordance  with  the  period 
specified  in  the  agreement  and  no more than the  estimated  useful  life  of 
those  capacities.  The  payment  for  the  right  to  use  the  capacities  is 
presented in cash flow from investment operations. 

Capacities  which  identifiable  and  used  exclusively  by  the  Group  are 
presented in the property, plant and equipment item. Capacities that cannot 
be specifically identified are shown in Other long-term assets. The asset is 
amortized  in  accordance  with  the  period  specified  in  the  agreement, 
including an extension option that the Company expects to exercise and for 
no longer than the estimate or the expected useful life of those capacities. 
Capacity use rights are presented minus accumulated impairment losses. 
The amortization in respect of capacities is presented in the Depreciation, 
amortization and impairment item. 

28 

 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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 minus 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  customers  and  trade  receivables  in  an  amount 
equal to the contractual credit losses throughout the duration 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 
well  as  analysis,  based  on  the  Group's  past  experience  and  includes 
forward-looking information. 

29 

 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

3.10.2.  Non-financial assets (see also Note 10) 
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 goodwill, or more frequently, if there are indications of impairment. 
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 10. 
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, minus 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). 
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 minus 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  minus  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 the nature of the 
expense  and  is  also  more  suitable  for  understanding  the  Group's 
business. 

30 

 
 
Notes to consolidated financial Statements as of December 31, 2021 

Accordingly, the statement of income shows the continuing impairment of 
broadcasting rights as part of "Operating and general expenses" while the 
continuing impairment of property, plant and equipment, intangible assets 
and  Rights-of-use  of  capacities  is  presented  as  part  of  "Depreciation, 
amortization and impairment" expenses. See also Note 10. 

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. 

31 

 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

The  Group  chose  to  present  the  interest  costs  imputed  to 
income, as part of the financing expenses item. 

Recalculation of the net liability in respect of a defined benefit includes 
actuarial  income  and the  return  on  plan  assets (excluding  interest). 
through  other 
Re-measurements  are 
comprehensive profit directly to surplus. 

immediately, 

imputed 

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 
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  /  income  item, 
while the remaining differences are imputed to salary expenses. 

terms.  Actuarial  changes  are  recognized 

in 

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  (income).  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 (income). 

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. 

32 

 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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. 

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. 

3.11.5.  Share-based payment transactions 

The  fair  value  at  the  date  of  grant  of  options  to  employees  for  the 
purchase of the Company's shares is charged as a salary expense in 
parallel  with  the  increase  in  equity  over  the  period  in  which  the 
employees'  entitlement  to  the  options  is  obtained.  The  Group 
presents the increase in equity as part of the non-controlling interests. 

For  share-based  payment  grants  conditional  on  performance 
conditions  that  constitute  market  conditions,  the  Group  takes  these 
conditions  into  account when  estimating  the fair  value  of  the  equity 
instruments granted, and therefore the Group recognizes an expense 
for these grants regardless of the fulfillment of these conditions. 

The amount imputed as an expense is adjusted to reflect the number 
of stock options that are expected to mature. 

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 liability. 

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 
in 
accordance with the areas of probability for the realization of the risk 
exposures as detailed below: 

to  groups  with  similar  characteristics, 

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%. 

33 

 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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  17  provides  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.  Revenues 

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 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: 

34 

 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

a. 
b. 
c. 
d. 

e. 

Identifying the contract with the customer 
Identifying separate performance obligations in the contract 
Determining the transaction price 
Assigning  the  transaction  price  to  separate  performance 
obligations 
Recognition  of  revenue  upon  fulfillment  of  performance 
obligations 

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. 

35 

 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

Existence of a significant financing component 

For  the  purpose  of  measuring  the  transaction  price,  Bezeq  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, Bezeq Group examines, inter alia, the expected 
length of time between the date on which Bezeq 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, 
Bezeq 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, Bezeq Group applies the practical relief provided by 
the  standard  and  does  not  separate  a  significant  financing 
component. 

3.13.5.  Existence of performance obligation 

Revenue  is  recognized  when  Group  maintains  a  performance 
obligation by transferring control of a customer or service promised to 
the customer. 

3.13.6.  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 to 4 years). 

36 

 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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, minus 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. 

3.13.7.  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  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 

A government grant in respect of a frequencies tender is initially recognized 
at fair value when there is reasonable assurance that it 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 revenue in the statement of financial position 
and  are  unfrozen  in  the  statement  of  income  throughout  the  useful 
duration  of  the  asset.  Thawing  of  revenue  is  recognized  in  the  item 
Other operating revenue in the income statement. 

3.15.  Financing income and 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  debentures  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.  

37 

 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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 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 practice 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 tax liabilities 

The Group offsets deferred and current tax assets and liabilities 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. 

38 

 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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" (hereinafter: “the Amendment”) 

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 
is  possible.  The  Amendment  will  be  applied 
application 
retrospectively, including an amendment to comparative figures. The 
Group  is  examining  the  implications  of  applying  the  amendment, 
including an additional proposal to amend the standard published in 
November 2021, on the financial statements.  

3.18.2.  Amendment  to  Standard  IAS37  "Provisions,  contingent  liabilities  and 
contingent  assets"  in  respect  of  onerous  contracts  (hereinafter:  “the 
Amendment”) 

According to the Amendment, when examining whether a contract is 
onerous, the costs of performing a contract that must be taken into 
account are costs that relate directly to the contract, which include the 
following costs: 

-  Additional costs; and 

-  Allocation of other costs directly related to the performance of a 
contract (such as depreciation expenses of property, plant and 
equipment used both to fulfill the contract in question and other 
additional contracts). 

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 of contracts for which the Company 
has not fulfilled its full obligations as of this date. 

In accordance with the provisions of the Standard, the reporting entity 
is required to examine the existence of onerous contracts during each 
reporting  period.  As  of  the  date  of  approval  of  the  statements,  in 
accordance with an examination performed by the Company and the 
Group companies to identify onerous contracts in accordance with the 
guidelines of the Amendment and based on the profit forecasts of the 
Group companies known as of this date, no material effect is expected 
on  the  balance  of  surpluses  at  the  date  of  initial  adoption  of  the 
Amendment to the Standard on January 1, 2022. 

39 

 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

3.18.3.  Amendment to IAS 12 "Income taxes" in the matter of deferred tax relating 
to assets  and  liabilities  arising  from  a single transaction  (hereinafter:  "the 
Amendment") 

The amendment reduces the applicability of the exemption from recognition 
of deferred taxes as a result of temporary differences created at the time of 
the initial recognition of assets and / or liabilities, so that the said exemption 
will  not  apply  to  transactions  that  create  equal  and  offsetting  timing 
differences.  As  a  result,  entities  will  be  required  to  recognize  an  asset  or 
deferred tax liability in respect of these temporary differences at the date of 
initial  recognition  of  transactions  that  create  equal  and  offsetting  timing 
differences, such as leasing transactions and provisions for liquidation and 
rehabilitation. 

The Amendment will be implemented starting from annual reporting periods 
beginning  on  January  1,  2023  by  amending  the  opening  equity  balance. 
Early application is possible. The Group is examining the consequences of 
the implementation of the Amendment and in its assessment as of the date 
of approval of the statements, the implementation of the Amendment is not 
expected to have a material effect on the statements. 

4.  Cash and cash equivalents 

Cash balance and cash value as of December 31, 2021 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 

December 31, 
2021 

December 31, 
2020 

NIS millions 
1,035 

NIS millions 
804 

99 

1,134 

77 

881 

(1) Bank deposits in NIS and USD, due for repayment by December 2024. 

40 

 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

6.  Trade and other receivables 

6.1.  Composition of trade and other receivables: 

Customers * 

Open debts and checks for collection 

Credit cards  

Revenue receivable 

Long-term customer maturities  

Related parties and stakeholders 

December 31, 
2021 

December 31, 
2020 

NIS millions 

NIS millions 

498  

473 

238 

297 

2 

656 

405 

224 

332 

4 

1,859 

1,621 

Other trade receivables and current tax assets* 

Current tax assets 
Other receivables and authorities (mainly in respect of real 
estate sales)  

Advance expenses 

Frequencies grant receivable (see Note 10.1) 

Long-term trade and other receivables* 

Customers - open debts 
Long-term trade receivables and authorities (in respect of real 
estate sales) ** 

Frequency grant receivable (see Note 10.1) 

56 

114 

36 

74 

280 

256 

177 

- 

433 

42 

105 

33 

- 

180 

256 

185 

73 

514 

*  Customer  balances  and  trade  receivables  are  presented  minus  provision  for  predicted 

2,572 

2,315 

credit losses. 

** 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 2021 are 2.49% -
4.38% (in 2020: 3.26%-8.5%). 

6.3.  Expected exercise dates for long-term customers and trade receivables: 

Expected repayment dates 

2023 

2024 

2025 onwards 

41 

December 31, 
2021 

NIS millions 

230 

73 

130 

433 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

6.4.  Aging of customer debts as of the reporting date: 

December 31, 2021 
Gross 
customer 
balance 

Provision for 
predicted 
credit losses 

December 31, 2020 
Gross 
customer 
balance 

Provision for 
predicted 
credit losses 

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 

1,922 

175 

56 

30 

2,183 

(4) 

(21) 

(20) 

(23) 

(68) 

1,732 

165 

30 

30 

1,957 

(5)

(37 )

(15 )

(23 )

(80 )

6.5.  The  activity  in  the  provision  for  predicted  credit  losses  during  the  year  is  as 

follows: 

Balance as of January 1 

Impairment loss recognized 

Loan-loss 

No longer consolidated 

Balance as of December 31 

2021 

2020 

NIS millions 

NIS millions 

80 

6 

(18) 

- 

68 

80 

26 

(22 )

(4)

80 

6.6  The balance of long-term receivables and authorities includes a receivable 
balance  in  the  amount  of  NIS  106  million  in  respect  of  permit  fees  and 
improvement levies, paid by Bezeq to the Israel Land Authority and the Or 
Yehuda  Local  Authority  for  the  sale  of  the  Sakia  complex  in  2019.  In 
addition,  Bezeq  provided  guarantees  in  the  amount  of  NIS  120  million, 
according  to  the  requirements  of  the  Israel  Land  Authority  and  the  Or 
Yehuda  Local  Authority,  to  pay  the  balance  of  the  permit  fee  and  the 
improvement levy: 

Bezeq recognized in its financial statements for 2019 a capital gain from the 
sale of the Sakia complex in the amount of NIS 403 million before tax. 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. 

The parties are in litigation since 2021. 

42 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

7. 

Income taxes 

7.1.  Corporate tax rate 

Current  taxes  for  the  reported  periods  and  deferred  tax  balances  as  of 
December 31, 2021 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 the Company 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  the  Company,  in  accordance  with  Article  103B  of  the  Income  Tax 
Ordinance.  According  to  the  approval,  DBS’  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 revenue of the absorbing company in the same tax year 
before offsetting the loss from previous years, whichever is lower. 

The approval is given in accordance with the tax laws applicable at the time 
it is given. Without derogating from the amount of losses stipulated in the 
assessment agreement, in the event of a change in the applicable tax law, 
the Tax Authority will re-examine the taxation decision in accordance with 
the tax law that will apply at the time of the merger. However, it was clarified 
that  the  approval  is  valid until  December  31,  2019.  The  Tax  Authority  will 
extend the validity of the approval for an additional year each year subject 
to  the  Company  and  DBS'  declaration  that  there  has  been  no  material 
change in their business and the terms of the taxation decision, and subject 
to interpretation given to tax law, provided such interpretation is published 
in writing. A change in tax law that does not require a change in the approval 
will not result in a change therein.  The validity of the taxation decision has 
been extended twice since then, the first time until December 31, 2020 and 
the second time until December 31, 2021. 

The  balance  of  DBS  losses  for  tax  purposes,  as  of  December  31,  2021, 
amounts  to  approximately  NIS  5.2  billion.  See  Note  7.6  below  regarding 
deferred taxes that were not recognized as carried forward losses. 

7.2.3.  Pelephone has final tax assessments up to and including 2018. 
7.2.4.  Bezeq International has final tax assessments up to and including 

2019. 

7.2.5.  DBS has final tax assessments up to and including 2016.  
7.2.6.  Bezeq Online has final tax assessments up to and including 2017. 

43 

 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

7.3.  Income tax expenses components 

For the year ended December 31 

2021 

2020 

2019 

NIS millions 

NIS millions 

NIS millions 

Current tax expenses 

Expenses for the current year 

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) 
Creation and reversal of other temporary 
differences 
Creation of deferred taxes in respect of losses for 
tax purposes from the sale of a subsidiary 

Total deferred tax expenses 

Income tax expenses  

289 

14 

303 

- 

42 

37 

79 

382 

273 

50 

323 

- 

48 

(37) 

11 

334 

391 

(11 )

380 

1,259 

 )

187

(

- 

1,072 

1,452 

7.4.  Correlations between the theoretical tax on profit before income taxes and 

tax expenses  

For the year ended December 31 

2021 
NIS millions 

2020 
NIS millions 

2019 

NIS millions 

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 10.2) 
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 taxes 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 10.4) 
Income tax expenses 

1,378 

23% 

317 

- 

- 

- 

65 

- 

- 

- 

- 
382 

1,234 

23% 

284 

- 

- 

47 

16 

(37 )

(7)

31 

- 
334 

(8)

23% 

(2)

1,259 

160 

(31 )

69 

- 

- 

- 

(3)
1,452 

44 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

7.5. Deferred tax assets and liabilities recognized  

Deferred 
tax 
liabilities in 
respect of 
property, 
plant and 
equipment 
and 
intangible 
assets 

Tax asset in 
Deferred 
respect of 
tax assets 
loss for tax 
in respect 
purposes 
of 
from the 
employee 
sale of a 
benefit 
plans 
subsidiary 
NIS millions  NIS millions  NIS millions  NIS millions  NIS millions 
268 

Other 
deferred 
taxes 

(640) 

Total 

903 

16 

- 

(36 )
(1)
261 

(11 )
1 
251 

(31 )
- 
 )
538

(

(9)
- 
 )
547

(

37 
- 
37 

(37 )
- 
- 

19 
(3)
58 

(22 )
(12 )
24 

(11 )
(4)
 )
182

(

(79 )
(11 )
 )
272

(

 Balance as of January 1, 2019 
Changes imputed to income: 
Creation and reversal of temporary 
differences  
Changes that were imputed to equity 
 Balance as of December 31, 2020 
Changes imputed to income: 
Creation and reversal of temporary 
differences  
Changes that were imputed to equity 
 Balance as of December 31, 2021 

Book value 

As of December 31 

Deferred tax assets 
Deferred tax liabilities 
Balance as of December 31 

2021 
NIS millions 
24 
 )
296
 )
272

(
(

As of December 31 
2020 
NIS millions 
108 
 )
290
 )
182

(
(

7.6.  Unrecognized deferred tax assets and liabilities 

Following  the  acquisition  of  control  by  Bezeq  of  DBS  in  2015  (as  described  in 
Note  12.2.1  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 in each year 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  were  recognized  in  respect  of  loss  from 
impairment  of  assets  in  DBS  and  Bezeq  International  (see  Note  10).  Is  not 
expected  in  accordance  with  the  Group’s  estimate  for  the  date  of  the  financial 
statements. 

45 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

In addition, the taxes that would have applied in the event of the exercise of the 
investment in subsidiaries are not recognized  in calculating the deferred taxes, 
since  it  is  the  intention  and  within  the  ability  of  the  Group  to  hold  these 
investments. Also, deferred taxes for the distribution of profits in subsidiaries and 
affiliates  are  not  recognized,  because  the  dividends  are  not  taxable.  Also,  the 
Company does not create deferred taxes in respect of its carried forward losses. 

8.  Leases 

Under  the  lease  agreements,  the  Group  leases  mainly  cellular  communication  sites, 
buildings (including offices, warehouses, communication rooms and points of sale) and 
vehicles.  

8.1.  Right-of-use assets 

Communicati
on sites 

Structures 

Vehicles 

Total 

NIS millions 

NIS millions  NIS millions 

NIS millions 

Cost 
 Balance as of January 1, 2020 
Additions * 

 Deductions in respect of 
agreements or cancelled agreements 
No longer consolidated 
Balance as of December 31, 2020 
Additions * 

 Deductions in respect of 
agreements or cancelled agreements 
Balance as of December 31, 2020 
 Depreciation and impairment 
losses 
 Balance as of January 1, 2020 
 Amortization for the year  

 Deductions in respect of 
agreements or cancelled agreements 

Changes in agreements and others 
No longer consolidated 
Impairment loss (loss write-off)  

 Balance as of December 31, 2020 
 Amortization for the year  

 Deductions in respect of 
agreements or cancelled agreements 

Changes in agreements and others 
Impairment loss 
Balance as of December 31, 2021 
 Book value 
 As of January 1, 2020 

 As of December 31, 2020 

1,041 
200 

(51 )
- 
1,190 
155 

(83) 
1,262 

367 
179 

(45 )

(4)
- 
(82 )

415 
168 

(68) 

(5) 
- 
510 

674 

775 

646 
609 

(

146
 )
(14 )
1,095 
149 

(50) 
1,194 

237 
116 

 )

121

(

(2)
(3)
(9)

218 
106 

(27) 

1 
- 
298 

409 

877 

 As of December 31, 2021 
* Additions in respect of new agreements and changes in existing agreements 

752 

896 

287 
118 

(80 )
- 
325 
126 

(120) 
331 

153 
102 

(83 )

(2)
- 
3 

173 
118 

1,974 
927 

(

277
 )
(14 )
2,610 
430 

(253) 
2,787 

757 
397 

 )

249

(

(8)
(3)
(88 )

806 
392 

(118) 

(213) 

(23) 
1 
151 

134 

152 

180 

(27) 
1 
959 

1,217 

1,804 

1,828 

46 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

8.2.  Leasing liabilities 

Communication 
sites 

Structures 

Vehicles 

Total 

NIS millions 

NIS millions 

NIS millions 

NIS millions 

 Balance as of January 1, 2020 
Additions * 

Deductions 
Financing expenses in respect of 
lease liabilities 
Lease payments 

 Balance  as  of  December  31, 
2020 

Additions * 

Deductions 
Financing expenses in respect of 
lease liabilities 
Lease payments 

No longer consolidated 
 Balance  as  of  December  31, 
2021 

Book value as of December 31, 
2021 
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, 2021 

790 
203 

(9) 
18 

(169) 

 - 

833 

162 
(14) 

17 

(164) 

834 

230 

603 

833 

250 

584 

834 

428 
607 

(23) 
10 

(117) 

(10) 

895 

145 
(24) 

21 

(102) 

935 

97 

798 

895 

113 

822 

935 

167 
117 

(2) 
2 

(105) 

 - 

179 

150 
(2) 

2 

(121) 

208 

88 

91 

179 

103 

105 

208 

1,385 
927 

(34) 
30 

(391) 

(10) 

1,907 

457 
(40) 

40 

(387) 

1,977 

415 

1,492 

1,907 

466 

1,511 

1,977 

* Additions in respect of new agreements and changes in existing agreements  

47 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

8.3.  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 

December 31, 
2021 

NIS millions 

485 

928 

816 

2,229 

8.4.  Options for termination or extension of a 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. 

8.5.  Information regarding material lease agreements that have 
not yet been included in the lease liability measurement 

On  October  7,  2021,  a  hosting  services  agreement  was  signed  between 
Bezeq  International  and  ServerFarm  IIF  Bnei  Zion  Limited  Partnership 
(hereinafter:  "ServerFarm"),  according  to  which  ServerFarm  International 
will provide hosting services to Bezeq International in a server farm facility 
established by it. The delivery date is divided into two phases, with the first 
phase  expected  to  be  delivered  in  March  2023  and  the  second  phase 
expected to be delivered in March 2024. The agreement period is 15 years, 
and there are options for extension until 2047. The cost of the agreement 
for the first period (without exercise of options) is about 250 million, which 
applies equally to both phases (except for the period between the date of 
delivery  of the first  phase  and  the  date  of  delivery  of  the  second  phase). 
The  server  farm  is  expected  to  be  used  to  provide  hosting  services  to 
business customers. 

48 

 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

9.  Property, plant and equipment 

Cables and 

Cellular 

Landline 

landline 

network 

and 

and 

internationa

internation

l network 

al network 

equipment 

communic

(switching, 

ations 

Equipmen

t and 

infrastruc

ture for 

multi-

Office 

equipment, 

computers 

Land and 

transmissio

infrastruct

channel 

Subscriber 

and 

buildings 

n, power)  

ure 

television 
NIS millions 

equipment 

vehicles 

Total 

779 

808 
76 
 )
126

805 
35 
(59) 
(20 )

21 

47 

Cost 
Balance as of January 1, 
2020 
Additions 
Subtractions * 
Unconsolidation 
Transfer from assets 
held for sale 
Balance as of December 
31, 2020 
Additions 
Subtractions * 
Transfer from assets 
held for sale 
Balance as of December 
31, 2020 
Depreciation and 
impairment losses 
Balance as of January 1, 
2020 
Depreciation for the year  28 
Subtractions * 
No longer consolidated 
Transfer from held 
assets for sale 
Impairment loss (loss 
reversal) (Note 10) 
Balance as of December 
31, 2020 
Depreciation for the year  22 
(39 )
Subtractions 
Transfer to assets held 
for sale 
Impairment loss (loss 
reversal) (Note 10) 
Balance as of December 
31, 2021 
Book value 

13 

13 

20 

(4)

(32) 
(15 )

520 

504 

514 

3,141 
233 
(181) 
- 

6,010 
222 
(119) 
- 

3,518 
181 
(2)
- 

1,551 
120 
(61) 
- 

2,243 
360 
(67) 
- 

1,165 
97 
(40) 
(53 )

18,433 
1,248 
(529) 
(73 )

- 

- 

- 

- 

- 

- 

47 

3,193 
248 
 )
185

(

6,113 
426 
(29 )

3,697 
136 
(2)

1,610 
115 
 )
301

(

2,536 
332 
 )
336

(

1,169 
71 
(66 )

19,126 
1,404 
 )
1,045

(

(

- 

- 

- 

- 

- 

- 

21 

3,256 

6,510 

3,831 

1,424 

2,532 

1,174 

19,506 

1,864 
230 
174
 )
- 

(

- 

8 

1,928 
229 
 )
185

(

- 

9 

3,251 
180 
(119) 
- 

- 

1 

3,313 
182 
(29 )

- 

(1)

2,913 
167 
(1)
- 

1,424 
36 
(54) 
- 

- 

- 

(63 )

101 

1,521 
258 
(51) 
- 

- 

26 

3,016 
177 
(1)

1,507 
45 
 )
301

(

1,754 
278 
 )
317

(

- 

- 

- 

77 

- 

8 

978 
69 
(38) 
(51 )

- 

15 

973 
60 
(65 )

- 

17 

12,465 
968 
(469) 
(66 )

13 

84 

12,995 
993 
 )
937

(

20 

123 

1,981 

3,465 

3,192 

1,328 

1,723 

985 

13,194 

As of January 1, 2020 

291 

1,277 

2,759 

605 

127 

722 

187 

5,968 

As of December 31, 
2020 

As of December 31, 
2021 

49 

304 

1,265 

2,800 

681 

103 

782 

196 

6,131 

259 

1,275 

3,045 

639 

96 

809 

189 

6,312 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

9.1. 

9.2. 

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 237 million as of 
December 31, 2021 and NIS 191 million as of December 31, 2020. 

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. Following the findings of the depreciation 
committees, insignificant changes were made in the estimate of the useful life of 
certain  assets.  Such  a  change  did  not  have  a  material  effect  on  the  Group's 
depreciation expenses 

9.3.  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. 

9.4.  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. 

On  May  25,  2021,  Bezeq's  Board  of  Directors  approved  Bezeq's  plan  for  the 
deployment  of  fiber  and  its  submission  to  the  Ministry  of  Communications  in 
accordance with the Communications Law. As part of Bezeq’s plan, an ultra-fast 
fiber network is expected to be deployed and operated, covering about 76% of 
Israel’s population (according to Bezeq’s estimate, about 80% of households). 

On May 31, 2021, Bezeq submitted to the Ministry of Communications the list of 
statistical areas in which it chose to deploy as aforesaid, and on June 15, 2021, 
Bezeq received an amendment to Bezeq’s license regarding the determination of 
advanced network deployment duties (“the License Amendment"). The License 
Amendment  includes,  among  other  things,  the  milestones  for  completing  the 
network deployment within six years from the effective date (March 14, 2021). In 
this regard, see also Note 18 for the Group companies' obligation to pay into the 
incentive fund. 

50 

 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

9.5.  Pursuant 

to 

the  Communications  Order 

(Telecom  and  Broadcasting) 
(Determination  of  Essential  Service  Provided  by  Bezeq, 
Israel 
Telecommunications  Corporation  Ltd.),  5757-1997,  the  approvals  of  the  Prime 
Minister  and  the  Minister  of  Communications  were  required  to  grant  rights  to 
certain  Bezeq  assets  (including  switches,  cable  network,  transmission  network 
and databases and information). 

the 

9.6. 

9.7. 

For liens in connection with loans and credit, see Note 13. For additional liens, 
see Note 19. 

For engagements for the purchase of property, plant and equipment, see Note 
18. 

51 

 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

10.  Intangible assets 

Right to 
use 
cellular 
communic
ation 
frequencie
s (see 10.1 
below) 
NIS 
millions 

Computer 
software 
and 
licenses 
NIS 
millions 

Goodwill 
NIS 
millions 

Customer 
relations 
and brand   Other 
NIS 
millions 

NIS 
millions 

Total 
NIS 
millions 

3,079 

2,409 

480 

7,479 

200 

13,647 

- 
- 
(10 )

220 
(36 )
(11 )

86 
- 
- 

- 
- 
- 

- 
- 
 )
119

(

306 
(36 )
 )
140

(

3,069 

2,582 

566 

7,479 

81 

13,777 

- 
- 

237 
(40 )

- 
- 

- 
- 

- 
- 

237 
(40 )

3,069 

2,779 

566 

7,479 

81 

13,974 

1,520 

2,029 

330 

6,403 

198 

10,480 

- 
- 

153 
(36 )

(10 )

- 

1,510 
- 
- 

(6)

89 

2,229 
141 
(40 )

21 
- 

- 

(20 )

331 
22 
- 

- 
- 

- 

(45 )

6,358 
- 
- 

- 

91 

- 

- 

1,510 

2,421 

353 

6,358 

1,559 

380 

1,559 

353 

150 

235 

1,076 

1,121 

1,559 

358 

213 

1,121 

2 
- 

176 
(36 )

 )

119

(

 )

135

(

- 

81 
- 
- 

- 

81 

2 

- 

- 

24 

10,509 
163 
(40 )

91 

10,723 

3,167 

3,268 

3,251 

Cost 
Balance as of January 
1, 2020 
Self-developed 
acquisitions or 
additions 
Subtractions 
No longer consolidated 
Balance as of 
December 31, 2020 
Self-developed 
acquisitions or 
additions 
Subtractions 
Balance as of 
December 31, 2021 
Depreciation and 
impairment losses 
Balance as of January 
1, 2020 
Amortization for the 
year  
Subtractions 
Impairment loss (loss 
cancellation) (see 
Notes 11.2, 11.4 and 
11.5 below) 
Balance as of 
December 31, 2020 
Amortization for the 
year  
Subtractions 
No longer consolidated 
Impairment loss (loss 
cancellation) (see 
Notes 11.2, 11.4 and 
11.5 below) 
Balance as of 
December 31, 2021 
The value in the 
books 
As of January 1, 2020 

As of December 31, 
2020 

As of December 31, 
2021 

52 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

10.1. 

Right to use cellular communication frequencies 

In 2020, Pelephone won a collection of frequencies in a tender for advanced 
bandwidth  cellular  services,  at  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 September 2020, upon the receipt of the frequencies, Pelephone began 
to  activate  the  frequencies.  In  addition,  Pelephone  won  a  NIS  5  million 
deployment grant in accordance with the tender rules. The grant is expected 
to be received during the fourth quarter of 2022 and after the 5G license fee 
is  paid  on  the  date  specified  in  the  license.  The  amount  of  the  grant  is 
presented in the statement of financial position under the Trade receivables 
item.  

10.2.  Cash-generating units impairment examination  

10.2.1.  For the purpose of impairment testing, goodwill was attributed to the Group's 

operating segments as follows: 

Fixed line communications (Bezeq) (See Note 
10.4) 

December 31, 2021  December 31, 2020 

NIS millions 

NIS millions 

1,559 
1,559 

1,559 
1,559 

10.2.2.  The following is the composition of the impairment loss recognized by the Group 

during the years 2019-2021: 

Impairment loss in the Bezeq International 
segment (see Note 10.6 below) 

Impairment loss (loss cancellation) in respect of 
Walla 

Impairment loss (loss cancellation) in the cellular 
communication segment (see Note 10.3), net 

2021 

2020 

2019 

NIS millions  NIS millions  NIS millions 

- 

- 

- 

- 

279 

 )14( 

 )257( 

8 

354 

- 

975 

1,329 

53 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

10.3.  Cellular  communications  goodwill 

impairment 

test 

(Pelephone) 

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, 2021. 

The value of use of the Cellular communication cash-generating unit as of 
December  31,  2021  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 
(representative year). 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 Pelephone’s revenues from roaming services in 2022. The forecast also 
assumes some damage to roaming revenue in later years  and a return to 
“pre-COVID”  situation  in  2026,  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 9% (after tax) (in 2020 – 
10.3%). In addition, a permanent growth rate of 1.5% was assumed (in 2020 
– 2.5%). 

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 (and in the terminal year) 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  345  million,  a  change  of  100K 
subscribers throughout the forecast years (and in the terminal year) leads to 
a  change  in  the  value  of  the  activity  in  the  amount  of  approx.  NIS  580 
million). 

54 

 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

The  valuation  was  conducted  by  an  external  valuator.  Based  on  the 
valuation as explained above, Pelephone’s recoverable amount amounted 
to NIS 798 million, compared with a book value in the Company's books of 
NIS  613  million.  Accordingly,  the  Company  was  not  required  to  perform 
amortization  in  accordance  with  the  cancellation  of  impairment  loss 
attributable to the cellular communications cash generating unit. 

10.4.  Fixed line communications goodwill impairment test 

(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, 2021. 

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 
(representative year). 

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  market  in  the  coming  years  (level  of  competition,  price  levels  in 
retail and wholesale, regulatory aspects and technological developments).  

The main assumptions underlying the forecast are: decrease in revenues 
from telephony (resulting from a decrease in the number of lines, erosion in 
consumption of call minutes per line and the effect of the decision by the 
Ministry  of  Communication  regarding  setting  maximum  rates  for  the 
Company's  retail  telephony),  growth  in  Internet  revenues  (supported  by 
market growth, the establishment of Internet services over the fiber network 
and  the  abolition  of  the  separation  between  broadband  infrastructure 
service and Internet access service), erosion in data communications and 
transmission revenues (due to expected declines in transmission revenues 
from ISPs and despite expected consistent growth in revenues from data 
communications  services)  and  moderate  growth  in  cloud  and  digital 
revenues.  Operating,  sales,  marketing  and  investment  expenses  were 
adjusted  to  the  scope  of  the  segment's  activities,  including  assumptions 
regarding  the  Company's  employee  base  and  the  salary  and  retirement 
expenses  derived  from  them,  and  assumptions  regarding  the  rate  of 
deployment of the fiber infrastructure. 

The nominal capital price used in the valuation is 7% (after tax) (in 2020 - 
7.5%).  In  addition,  a  permanent  growth  rate  of  1%  (in  2020  -  0%)  was 
assumed. 

The  valuation  was  conducted  by  an  external  valuator.  Based  on  the 
valuation  as  explained  above,  the  Group  was  not  required  to  perform 
amortization 
the  of  Fixed  Line 
communications cash-generating unit. 

impairment  of 

in  respect  of 

the 

55 

 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

10.5.  Multi-channel TV (DBS) goodwill impairment 

Bezeq Group’s value-in-use of the multi-channel television cash-generating 
unit  as  of  December  31,  2021  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 (representative year). The 
nominal cost of capital used in the valuation is 8.5% (after tax) (in 2020 – 
8.5%). In addition, a permanent growth rate of 0% was assumed (in 2020 – 
0%). 

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.  The  cash  flow  forecast  used  for  the  purpose  of 
preparing the valuation did not result in any changes that may result from 
the decision to implement the alternative outline, which is set forth in Note 
12.1.2 below. 

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  replaced  over time  by  the  IP  product (TV  broadcasts  via  the  Internet) 
due to the technological gap between satellite and IP, customer experience, 
and the lower operation and maintenance costs of IP. 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  throughout  the  forecast  period  and  a  relatively  rigid 
expenditure structure, led to significant operating losses and negative cash 
flows  in  some  of  the  forecast  years.  It  should  be  noted  that  the  actual 
implementation  of  the  outline  is  carried  out  and  will  be  carried  out  while 
the 
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,  2021  is  negative  in  the  amount  of  approx.  NIS  271  million  (as  of 
December 31, 2021, total negative activity value of 145 NIS million). 

The valuation is sensitive to the net cash flow in the representative year in 
general,  and  to  the  valuation  of  the  ARPU  level  (average  revenue  per 
subscriber)  and  the  subscriber  base  at  the  end  of  the  forecast  range  in 
particular. A change of NIS 1 in ARPU throughout the forecast years (and 
in the terminal year) leads to a change in enterprise value in the amount of 
NIS  106  million  and  a  change  of  5  thousand  subscribers  throughout  the 
forecast  years  (and  in  the  terminal  year)  leads  to  a  change  in  enterprise 
value of approx. NIS 79 million). 

56 

 
 
Notes to consolidated financial Statements as of December 31, 2021 

In light of the negative value of the activity,  as of December 31, 2021, the 
value of DBS's non-current assets was determined to be their fair value or 
zero, whichever is higher, similar to the end of 2020 and the end of 2019. 
The fair value of DBS’s assets net of exercise costs as of December 31, 
2021 is negative in the amount of NIS 109 million. 

in accordance, in 2021, the Group recognized loss due to impairment in the 
amount of approx. NIS 288 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 DBS’s assets: 

2021 

2020 

2019 

NIS millions  NIS millions  NIS millions 

Broadcast rights – minus  rights exercised *  146 

Property, plant and equipment ** 

Intangible assets 

Deferred expenses ** 

Rights to use leased assets ** 

Total recognized impairment  

91 

48 

4 

(1)

288 

170 

112 

29 

13 

- 

324 

202 

117 

44 

- 

(1)

362 

* The expense was presented as operating and general expenses 
** The expense was presented as depreciation, amortization and impairment expenses 

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 minus 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. 

57 

 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

Other  receivables  (advance  expenses)  -  No  material  fair  value  was 
attributed to the advance expenses of DBS in respect of the maintenance of 
its  systems,  since  most  of  the  maintenance  agreements  were  uniquely 
adjusted  to  DBS  and  therefore  have  no  material  value  in  the  transaction 
between a voluntary buyer and a voluntary seller. 

10.6. 

Impairment  of  the  Bezeq  International  services  segment 
ICT 
(Internet,  communication,  network  endpoint  and 
solutions segment 

At the end of 2021, Bezeq International updated its forecasts for the coming 
years, taking into account trends and changes in its operating environment. 
The  value  in  use  of  the  Bezeq  International  cash-generating  unit  was 
calculated as of December 31, 2021, 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 2021 plus scrap value (representative 
year). 

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 
cash flow forecast used for the purpose of preparing the valuation did not 
take into account changes that may result from the decision to implement 
the alternative outline, described in Note 12.1.2 below. 

The revenue forecast is based on assumptions that Bezeq International's 
Internet subscriber base, and its revenues from these subscribers, will be 
significantly affected as a result of the Ministry of Communications' decision 
to  abolish  the  separation  between  broadband  and  Internet  access  (ISP) 
services, as detailed in Note 12.3 below, including assumptions regarding 
users not using ISP services, assumptions regarding Bezeq International's 
activity  in  the  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 salary 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). 

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 8.5% (after tax) (in 2020 – 9.7%). In addition, 
a permanent growth rate of 1% was assumed (in 2020 - 0%). 

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 operations 
in particular (subscribers, ARPU and traffic costs). 

58 

 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

The  valuation  was  conducted  by  an  external  valuator.  Based  on  the 
valuation  as  explained  above,  Bezeq  International's  enterprise  value 
amounted  to  a  negative  amount  of  approximately  NIS  196  million  (as  of 
December 31, 2020, total negative enterprise value in the amount of NIS 
145  million).  In  light  of  the  negative  enterprise  value,  the  value  of  Bezeq 
International's  non-current  assets  was  determined  as  of  December  31, 
2021, as their fair value minus exercise costs or zero, whichever is higher.  
The fair of value of Bezeq International’s assets minus exercise costs as of 
December 31, 2021 Is about NIS 70 million. Accordingly, in 2021 the Group 
recognized  a  loss  due to  impairment  in  the  amount  of  approximately  NIS 
122 million. 

The following is a breakdown of the allocation of loss from the impairment 
of the Bezeq International’s assets in 2020 and 2021: 

2021 

2020 

NIS millions 

NIS millions 

Property, plant and equipment and intangible assets 

**75 

Long-term and short-term advance expenses 

Long-term advance expenses for capacities 

Rights-of-use of leased assets 

Total recognized impairment  

*28 

*17 

**2 

122 

148 

18 

110 

3 

***279 

* The expense was presented as operating and general expenses 
** The expense was presented as depreciation, amortization and impairment expenses 
*** Presented under the item "Impairment loss" in the income statement for 2020 

The  following  is  information  regarding  the  manner  in  which  the  Group 
determined the fair value (at level 3) of the assets minus 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 
minus physical wear and tear costs and technological obsolescence minus 
costs required to make the sale. 

Intangible assets - no material fair value has been attributed to intangible 
assets,  since  most  of  Bezeq  International’s  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 Bezeq International’s 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. 

59 

 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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. 

11.  Deferred expenses and non-current investments 

December 31, 
2021 

December 31, 
2020 

NIS millions 

NIS millions 

Subscriber acquisition assets, net (see Note 11.3 below) 

151 

Long-term investment in bank deposits 

Deferred expenses (see Note 11.1 below) 
Bank deposit used to provide loans to the Company's 
employees (see Note 11.2 below) 

Derivative instruments 

Investments in equity-held investee companies 

80 

18 

36 

16 

5 

630  

165 

160 

37 

36 

- 

4 

402 

11.1.  The following is a list of subscriber acquisition assets: 

Subscriber 
assets 
NIS millions 

acquisition 

Cost 

Balance as of January 1, 2020 
Additions  

Subtractions  
Balance as of December 31, 2020 

Additions  
Subtractions  

Balance as of December 31, 2021 
Depreciation and impairment losses 

Balance as of January 1, 2020 
Depreciation  

Subtractions 
Balance as of December 31, 2020 

Depreciation  
Subtractions 

Balance as of December 31, 2021 
Book value 

 As of January 1, 2020 

 As of December 31, 2020 

 As of December 31, 2021 

60 

438 
137 

(98) 
477 

131 
(129) 

479 

278 
132 

(98) 
312 

145 
(129) 

328 

160 

165 

151 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

11.2.  The balance of deferred expenses as of December 31, 2021 is presented net of 
impairment of assets. See Note 10.6 regarding impairment of Bezeq International. 

11.3.  Bank deposit for the provision of loans to Bezeq employees without a repayment 

date. 

11.4.  Transactions for the purchase of indefeasible right of use ("IRU") in underwater 
cable  capacities  by  Bezeq  International  are  treated  as  ongoing  service  receipt 
transactions. Balance of rights-of-use of capacities is presented net of losses from 
the impairment of assets. See Note 10.6 regarding impairment of assets in Bezeq 
International. 

61 

 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

12.  Investee companies 

12.1.  Subsidiaries 

12.1.1.  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  equity  of  the 
subsidiaries as of December 31, 2021: 

Bezeq the Israel Telecommunications Corporation Ltd. 
B Communications 2 Limited Partnership  
Bezeq subsidiaries: 
Pelephone Communications Ltd. 
Bezeq International Ltd. (see Note 12.3 below) 
DBS Satellite Services (1998) Ltd. (see Note 12.2 below) 
Bezeq Online Ltd. 

26.72% 
100% 

100% 
100% 
100% 
100% 

12.1.2.  As  of October  11,  2021,  all  Bezeq shares  held  by  the  Company are  held 
directly  by  the  Company,  after  on  that  day  all  Bezeq  shares  held  by  B 
Communications (SP2) Ltd. (a company wholly-owned and controlled by B 
Communications)  were 
the  direct  holding  of  B 
Communications  (SP1) Ltd.,  which  is  wholly-owned and controlled  by  the 
Company). Following the transfer of Bezeq’s shares to the Company, the 
companies B Communications (SP2) Ltd. and B Communications (SP1) Ltd. 
were closed. 

transferred 

to 

12.1.3.  Structural change in Bezeq's subsidiaries 

Following  on  from  previous  resolutions  adopted  by  Bezeq  as  well  as 
Bezeq's  subsidiaries  -  Bezeq  International  and  DBS  (“the  Subsidiaries") 
regarding  a  structural  change  plan  in  which  Bezeq  International's  private 
activities  were  to  merge  with  and  into  DBS,  and  the  spin-off  of  Bezeq 
International’s  ICT  activities  into  a  new  company  wholly  owned by  Bezeq 
(“the  merger  /  spin-off  plan").  On  March  16,  2022,  Bezeq's  Board  of 
Directors decided, following the resolutions adopted that day by the Boards 
of  Directors  of  Bezeq's  subsidiaries,  to  approve  the  cancellation  of  the 
merger  /  spin-off  plan,  and  to  approve  an  alternative  plan  for  Bezeq's 
subsidiaries  to  be  presented  within  60  days,  according  to  which  Bezeq 
International's ISP activity in the private segment will be reduced following 
the  abolition  of  the  separation  between  broadband  infrastructure  service 
and Internet access service (ISP) (as described in Note 12.3 below), and 
ISP  activity  will  be  established  in  DBS  for  the  purpose  of  selling  "triple" 
packages to customers (“the alternative outline"), while striving to achieve, 
as  far  as  possible,  the  strategic,  business  and  economic  purposes  that 
formed  the  basis  for  the  resolution  to  promote  structural  change,  which 
were,  among  other  things,  adapting  the  activity  to  the  structure  of  the 
industry and the changing regulation, focusing on increasing revenues and 
growth, and increasing the operational synergy and streamlining. 

62 

 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

According to this alternative outline, the business purposes that were at the 
basis of the spin-off / merger plan will be achieved, as DBS is expected to 
become a "triple" sales arm that combines fiber and television, and at the 
end  of  the  move  Bezeq  International  will  become  a  growth-focused  ICT 
company.  In  addition,  this  alternative  outline  has  the  potential  for  a 
significant reduction in Bezeq International's expenses and investments in 
the ISP field in parallel with an accelerated reduction in this activity. 

Bezeq  and  its  subsidiaries  of  Bezeq  are  unable  to  assess,  at  this  stage, 
whether all the conditions required for the implementation of the alternative 
outline  will  be  met,  and  when  they  would  be  met,  if  they  are  met,  and 
accordingly there is no certainty that the alternative outline will materialize 
in the manner described above or at all. 

12.2. DBS Satellite Services (1998) Ltd. 

12.2.1.  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 
to  DBS  (the  "Purchase 
Transaction"). 

that  Eurocom  provided 

loans 

Upon  completion,  Bezeq 
the  cash 
consideration for the Purchase Transaction in the amount of NIS 680 million. 

to  Eurocom  DBS 

transferred 

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). 

63 

 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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, 2021, given the solvency of Eurocom DBS, no repayment 
of the advances is expected. 

12.2.2.  As  of  December  31,  2021,  DBS  has  accumulated  a  loss  balance  of  NIS 
8,251  million  since  its  inception,  an  equity  deficit  of  NIS  48  million  and  a 
deficit in working capital of NIS 198 million. Also, as of December 31, 2021, 
DBS  has  an  off-balance  sheet  liability  in  the  cumulative  amount  of 
approximately  NIS  1,058  million  for  the  purchase  of  space  segments, 
content, property, plant and equipment and other assets up to and including 
2026 (see Note 18 for details). 

Based  on  the  valuation conducted  as  of  December  31,  2021,  DBS’s  total 
enterprise value is negative in the amount of NIS 271 million (compared with 
a  negative  enterprise  value  of  NIS  145  million  as  of  December  31,  2020) 
(see Note for details. 10.5), which stems, among other things, from DBS’s 
forecasts  to  continue  to  accumulate  operating  losses  in  the  years  2023 
onwards. 

On  November  29,  2021,  the  Company's  Board  of  Directors  approved  the 
issuance of an irrevocable commitment by the Company to DBS to provide 
a credit facility or investment in equity, in the amount of approximately NIS 
40 million until December 31, 2022 (which has not yet been exercised as of 
the date of approval of these Statements). 

In the opinion of DBS's Management, the sources of funding available to it, 
which  include,  inter  alia,  the  continuation  of  the  existing  policy  of  working 
capital  deficit,  credit  facility  and  capital  investment  framework  from  the 
Company,  will  satisfy  the  needs  of  DBS's  operations  until  December  31, 
2022. 

12.2.3.  For the assessment of Note 10.5 regarding impairment of assets recognized 

by DBS in the financial statements as of December 31, 2021. 

12.3. Bezeq international Ltd. 

12.3.1.  Separation between Broadband Infrastructure Service and Internet Access 

Service (ISP): 

On June 20, 2021, a decision by hearing by the Minister of Communications 
was  received  regarding  the  separation  between  broadband  infrastructure 
service  and  Internet  access  service  (ISP)  will  be  abolished,  including  iun 
relation to the private customers. According to the decision, starting from the 
effective  date,  the  restriction  on  infrastructure  owners  to  offer  Internet 
access  service  to  private  customers  will  be  lifted.  Also,  it  is  no  longer 
possible  to  sell  services  in  a  split  format,  but  customers  who  receive  a 
service in a split / semi-split configuration will be able to continue to consume 

64 

 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

the Internet services in this way. It should be noted that the abolition of said 
separation  is  expected to  reduce  the  phenomenon  of  subscribers  who  do 
not  use  ISP  services,  as  also  stated  in  the  Ministry  of  Communications' 
publication. 

The  move,  which  is  expected  to  harm  Bezeq  International's  results,  was 
taken  into  account  in  the  cash  flow  forecast,  which  was  used  to  examine 
impairment as described in Note 10.6 above. 

12.3.2.  See Note 10.6 below regarding impairment of assets recognized by Bezeq 

International in the statements as of December 31, 2021. 

12.4. 

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. 

12.5. 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  equity  and 
voting rights in the subsidiary 

12.6.  Bezeq's dividend distribution policy 

After the date of the financial statements, on March 22, 2022, Bezeq's Board 
of Directors decided to approve a new dividend distribution policy for Bezeq, 
according  to  which  Bezeq  will  distribute  to  its  shareholders,  every  six 
months,  a  cash  dividend  of  50%  of  Bezeq's  consolidated  financial 
statements. This is starting from the next distribution (for the second half of 
2021). The implementation of the dividend distribution policy is subject to 
the  provisions  of  any  law,  including  the  distribution  tests  set  forth  in  the 
Companies  Law,  all  taking  into  account  the  expected  cash  flow,  Bezeq 
needs and liabilities, Bezeq's cash balances, plans and position, as they will 
be from time to time, and subject to the approval of the General Meeting of 
Bezeq's  shareholders  regarding  any  specific  distribution,  as  provided  in 
Bezeq's Articles of Association. 

12.6.1. 

65 

 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

The  approval  of  Bezeq's  dividend  policy  does  not  obligate  Bezeq  to 
distribute a dividend to Bezeq's shareholders, and any specific distribution 
will  be  examined  in  accordance  with  the  terms  of  implementation  of  the 
dividend distribution policy as stated above. In addition, the approval of the 
aforesaid  policy  does  not  prevent  Bezeq's  Board  of  Directors  from 
periodically  reviewing  the  policy  of  distributing  dividends  to  Bezeq 
shareholders,  taking  into  account,  inter  alia,  the  provisions  of  the  law, 
Bezeq's business situation and its capital structure and balance, its level of 
debt  and  credit  rating,  and  the  ongoing  maximization  of  value  to  Bezeq's 
shareholders through the regular distribution of dividends. 

Bezeq's Board of Directors considers it important to maintain the balance 
between ensuring Bezeq's financial strength and stability, while maintaining 
Bezeq's  current  rating  group  [AA]  over  time,  and  continuing  to  maximize 
value for its shareholders through regular dividend distribution. 

Bezeq's  Board  of  Directors  was  presented  with,  among  other  things, 
analysis and results of professional work as performed by Professor Aharon 
(Roni) Ofer, Bezeq's and the Bezeq Group's forecasts, as well as sensitivity 
analyzes  for  unforeseen  deterioration  in  Bezeq's  and  Bezeq  Group 
businesses. After Bezeq's Board of Directors examined all of the above, the 
Board of Directors determined that this decision reflects the correct balance 
between these needs as described above. 

12.6.2.  Following  the  decision  regarding  Bezeq's  dividend  distribution  policy  as 
detailed  in  Note  12.6.1  above,  on  March  22,  2022,  Bezeq's  Board  of 
Directors  decided  to  recommend  to  the  General  Meeting  of  Bezeq 
shareholders to distribute a cash dividend to Bezeq shareholders in the total 
amount of NIS 240 million. The said dividend has not yet been approved by 
the  General  Meeting  of  Bezeq's  shareholders.  The  Company's  expected 
share in the dividend to be distributed by Bezeq, subject to the approval of 
the  General  Meeting  of  Bezeq's  shareholders,  is  approximately  NIS  64 
million. 

66 

 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

12.7.  Non-controlling interests 

The  table  below  presents  data  regarding  the  investee  companies  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 

% 

Current 

assets 

Non-current 

Current 

Non-current 

Book value of 

non-

controlling 

assets 

liabilities 

liabilities 

Net assets 

interests 

NIS millions 

2021 

2019 

73.28 

73.28 

4,138 

3,447 

10,837 

10,835 

3,773 

3,559 

9,323 

10,091 

1,878 

632 

1,

454

534 

Year ended December 31 

Other 

Other 

comprehensive 

Profit (loss) 

income (loss) 

attributed to 

attributable to 

Net profit 

comprehensive 

Comprehensive 

non-controlling 

non-controlling 

Revenue 

(loss) 

profit 

profit (loss)  

interests  

interests 

NIS millions 

2021 

2020 

2019 

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  

2021 

2020 

2019 

2,

839

3,220 

2,924 

1,)

(646

 )
(839

 )
(883

)
1,060
(

)
1,941
(

)
2,531
(

- 

- 

- 

133 

440 

 )
(490

67 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

13.  Debentures and loans 

13.1.  Composition: 

Current liabilities 
Current maturities of debentures 
Current loan maturities 

Non-current liabilities 
Debentures 
Loans  

December 31, 
2021 

December 31, 
2020 

NIS millions 

NIS millions 

897 
83 
980 

7,245 
1,823 
9,068 

583 
202 
785 

7,578 
1,907 
9,485 

Total debentures, loans and credit 

10,048 

10,270 

68 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

13.2.  Terms of debentures and loans 

December 31, 
2021 
Book 
balance 
NIS 
millions 

Par 
value 
NIS 
millions 

December 31, 2020 
Book 
balance 
NIS 
millions 

Par 
value 
NIS 
millions 

Interest rates 
range 

Loans from banking corporations in Bezeq: 
Non-linked loans, bearing fixed interest rates 
Non-linked loans, bearing variable 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 

712 
300 
1,012 

894 
- 
894 

711 
300 
1,011 

894 
- 
894 

1,118 
- 
1,118 

974 
17 
991 

1,113 
- 
1,113 

975 
17 
992 

6.85%

3.2%
 - 
P+0.53% 

4%-

3.22%
5.25% 

1,906 

1,905 

2,109 

2,105 

Total loans in Bezeq 
Debentures 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 
Series D - Non-linked, bearing fixed interest rates 
Total debentures issued to the public in the 
Company 

951 
- 
- 
1,035 

1,010 
- 
- 
1,040 

1,716 
54 
100 
- 

1,986 

2,050 

1,870 

Debentures issued to the public by Bezeq: 
Series 6 - linked to the consumer price index, 
bearing fixed interest rates  

540 

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 * 
Series 13 - Non-linked, bearing fixed interest rates 
Series 14 - linked to the consumer price index, 
bearing fixed interest rates  
Total debentures issued to the public in Bezeq 

36 
2,17  
6

291  
839 

1,25  
7
198 

198 
6,156 

36 
2,145 

882 
835 

1,269 
200 

200 
6,067 

1,055 

71 
2,186 

894 
841 

1,244 
- 

- 
6,291 

Total debentures 

8,142 

8,117 

8,16  
1

3.85% 
3.85% 
3.85% 
3.65% 

3.7% 
Annual avg. 
duration+0.4% 
3.65% 

2.2% 
3.2% 

1.7% 
2.79% 

0.58% 

1,856 
58 
100 
- 

2,014 

1,000 

71 
2,145 

882 
835 

1,269 
- 

- 
6,202 

8,216 

Total loans and debentures 

10,048 

10,022 

10,270 

10,321 

* After the date of the financial statements, on January 23, 2022, Bezeq made a partial early redemption on 
the initiative of Bezeq's debentures (Series 9) in the amount of approximately NIS 370 million par value. 

69 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

13.3. Debentures issued by the Company 

13.3.1.  Debentures Series C, D, E and F 

On September 18, 2016, the Company issued Series C debentures 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 debenture principal was due in five installments as follows: four 
equal annual installments at the rate of 7.5% of the  debenture 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  debenture principal to be paid on November 30, 2024. 
Also, the debentures 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 
debentures 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 debentures for approximately NIS 118 million, and NIS 240 million par 
value Series C debentures 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 debentures: 

1.  An early repayment of NIS 614 million par value for Series C  debentures, 

including the accrued interest up to that date. 

2.  A  private  offering  of  NIS  310 million  par  value  of  Series  C  debentures  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 debentures 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 debentures on 26.34% of 

Bezeq's share equity. 

7.  Completion  of  a  private  placement  of  NIS  100  million  par  value  Series  E 

debentures (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. 

70 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

The  series  of  debentures  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  debentures  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. 

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 debentures from the original C series, and recognized new 
debentures 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. 

On  July  6,  2021,  the  Company  held  a  tender  for  the  purchase  of  Series  F 
debentures, in the framework of which approximately NIS 394 million par value 
was issued to institutional entities and the public in exchange for approximately 
NIS 394 million from Series F. The annual interest rate (unlinked) determined in 
the tender is 3.65%. The interest on the Series F debentures will be paid in two 
semi-annual  installments  on  May  31  and  November  30  of  each  year  from 
November 2021 to November 2026. The debenture principal will be repaid in 
one  installment  on  November  30,  2026.  The  Company  used  the  net 
consideration  from  the  issuance  of  Series  F  debentures  to  make  early 
repayments of its existing debentures as of the same date as detailed below. 

On July  19,  2021,  the  Company made  a full  early  repayment  of  the Series  D 
debentures principal (plus accrued interest up to the due date) and a full early 
repayment of the Series E debentures principal (plus accrued interest up to the 
maturity date and an early repayment penalty as defined in the series of series 
E). In addition, the Company made a partial early repayment of approximately 
NIS 226 million in respect of the Series C debentures (plus accrued interest up 
to the due date). Following the early repayments, Series D and E were repaid 
in full and delisted from trading on the Tel Aviv Stock Exchange. 

On  December  7,  2021,  the  Company  issued  to  institutions  and  the  public 
approximately NIS 485 million in Series F debentures for approximately NIS 488 
million in Series E. The Company used the net consideration from the issuance 
of Series F debentures to make a partial early repayment of approx. NIS 471 
million in respect of its existing Series C debentures for that date (plus accrued 
interest  up to the  due  date  and  an  early repayment  penalty  as  defined in the 
trust deed of the Series C debentures). 

On December 9, 2021, the Company held a private placement of approximately 
NIS 161 million in Series F debentures for approximately NIS 161 million. The 
Company used the net consideration from the issuance of Series F debentures 
to make a partial early repayment of approximately NIS 157 million in respect of 
Series C debentures existing on that date (plus accrued interest up to the due 
date and an early repayment penalty as defined in the trust deed of the C series 
debentures). 

71 

 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

On January 10, 2022, the Company exchanged approximately NIS 417 million 
in  Series  C  debentures  for  approximately  NIS  432  million  in  Series  F 
debentures. 

 In accordance with the terms of the C and F debenture series, the Company 
undertook to deposit semi-annual interest in respect of the various  debenture 
series in a trust account for the benefit of the bondholders. As of December 31, 
2021,  approximately  NIS  39  million  is  deposited  in  the  trust  accounts  for  the 
benefit of the holders of Series C and F debentures. 

As of December 31, 2021, the nominal value of Series C debentures that are 
not held by the Company is NIS 1,010 million and the nominal value of Series F 
debentures that are not held by the Company is NIS 1,040 million. 

The  following  are  the financial  criteria  that the  Company has committed to in 
connection with the debenture series: 

13.3.2. 

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 debenture fund. 

As of December 31, 2021, the Company complies with the debt-to-asset ratio. 

13.3.3. 

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 will not exceed 65% for Series 

C debentures and will not exceed 70% for Series F debentures. 
The debt to asset ratio after the distribution will not exceed 65% for Series 
C debentures and will not exceed 70% for Series F debentures. 

13.3.4. 

Lien on Bezeq shares: 

Series  C  and  E  have  a  first-class  pari-passo  lien  on  728,373,713  Bezeq 
shares held by the Company. 

72 

 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

13.3.5.  Control of Bezeq: 

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  performance lower 
than the aforementioned holding rate. 

13.3.6.  Control of the Company 

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. 

Change in the terms of the Company’s debenture series 

13.3.7.  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 (minus the issue expenses) 
will first repay debentures (Series D) and debentures (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 debentures 
(Series E) are in circulation). 

b.  After the full repayment of the debt in respect of debentures (Series D) 
and debentures (Series E), the balance of net proceeds from the issue 
of the additional debt will be used for the purpose of repayment of the 
debentures (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  debentures  (Series  C)  and  the  payment  of  the  first 
principal in respect of the debentures from the new series as aforesaid 
will be only after full repayment of the debentures (Series C). 

In addition, the amount of early repayment to be paid to the bondholders in the 
event  of  early  repayment  of  the  debentures  by  the  Company  has  been 
amended as follows:  

73 

 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

In  relation  to  the  debentures  (Series  C)  -  in  the  case  of  a  partial  early 
repayment  of  the  debentures  (Series  C),  the  price  of  the  partial  early 
repayment will be the par value of the debentures (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 debentures according to the price of the debentures 
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 debentures (Series E), whichever is higher.  

74 

 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

13.4. 

13.4.1. 

Loans and debentures issued by Bezeq 
The following is a list of the terms that Bezeq undertook in relation to the 
loans received and the debentures issued: 

In  relation  to  the  total  Bezeq  debt,  common  reasons  for  immediate 
repayment  of  the  debentures  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 Bezeq 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  debentures,  for  loans  from  banking 
corporations  the  balance  of  which  as  of  December  31,  2021  is 
approximately  NIS  1  billion,  and  in  relation  to  loans  from  financial 
institutions the balance of which as of December 31, 2021, is approximately 
NIS 0.9 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). 

13.4.2. 

13.4.3. 

In relation to Bezeq's public debentures, as well as in respect of loans from 
financial institutions in the amount of NIS 0.9 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. 

13.4.4.  With respect to Bezeq's public debentures, and with respect to loans from 
financial institutions in the amount of NIS 0.9 billion, Bezeq undertook to 
the lenders to ensure that, as far as it is under its control, such debentures 
will be monitored in terms of rating by at least one rating agency, as long 
as  there  are  debentures  from  that  series  in  circulation  or  loan  balance, 
respectively. 

In relation to debentures from series 9-14, as well as in relation to loans 
from  financial  institutions  in  the  amount  of  NIS  0.9  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 
the 
together  with 
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. 

the  controlling  shareholders  and  provided 

that 

13.4.5. 

75 

 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

13.4.6. 

In addition, in relation to Series 9-12 debentures, and in relation to loans 
from  financial  institutions  in  the  amount  of  NIS  1  billion,  grounds  for 
immediate  repayment  of  the  debentures  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 debentures / loans on 
time (as stated in Article 35H1(a)(1) of the Securities Law). 

As of December 31, 2021 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. 

76 

 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

13.5. Activity in liabilities arising from financing activities 

Balance as of January 1, 2020 

Changes as a result of cash flows from financing 
activities 

Proceeds from the issuance of debentures and the 
receipt of loans, minus transaction costs 

Repayment of debentures and loans 

Interest paid 

Total net cash arising from financing activities 

Financing expenses imputed to income statement 

Balance as of December 31, 2020 

Changes as a result of cash flows from financing 
activities 
Proceeds from the issuance of debentures and the 
receipt of loans, minus transaction costs 

Repayment of debentures and loans 

Interest paid 

Total net cash arising from financing activities 

Financing expenses imputed to the income statement 

Balance as of December 31, 2021 

Debentures 
(including 
accrued 
interest) 

Loans 
(including 
accrued 
interest) 

NIS millions 

NIS millions 

8,054 

3,401 

Total 
NIS 
millions 

11,455 

718 

 )

577

(

 )

278

(

 )

137

(

268 

8,185 

1,430 

 )

1,572

(

 )

265

(

 )

407

(

387 

8,165 

- 

 )

1,273

(

 )

114

(

 )

1,387

(

103 

2,117 

300 

 )

500

(

(68 )

 )

268

(

63 

718 

 )

1,850

(

 )

392

(

 )

1,524

(

371 

10,302 

1,730 

 )

2,072

(

 )

333

(

 )

675

(

450 

1,912 

10,077 

77 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

14.  Trade and other payables 

Trade payables 

outstanding debts and expenses payable * 
Total suppliers 

Current payables including derivatives 

Liabilities to employees and other liabilities due to salary and wages 
Deferred income 
Commitment to payment for frequencies ** 
Institutions 
Derivative instruments  
Accrued interest 
Current tax liabilities 
Other 

Total current trade payables including derivatives 

December 
2021 

31, 

December 
2020 

31, 

NIS millions 

NIS millions 

955 
955 

352 
158 
87 
110 
35 
29 
5 
24 

800 

940 
940 

397 
168 
- 
66 
51 
31 
80 
33 

826 

Total current trade and other payables 

1,755 

1,766 

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 suppliers and trade payables  

65 

69 

- 

- 

8 

142 

1,897 

72 

75 

86 

66 

8 

307 

2,073 

* Of which the balance of suppliers who are related parties and stakeholders as of December 31, 2021 

is NIS 4 million (as of December 31, 2020 - NIS 3 million). 

**  See Notes 10.1 and 3.14 regarding frequency tender and government grant 

78 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

15.  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, 2021 

112 

Provisions formed  

Provisions exercised  

Provisions canceled 
Balance as of December 31, 
2021 
Presented in the statement of 
financial position as follows: 

 Current provisions 

 Non-current provisions 

6 

(23) 

(31) 

64 

64 

- 

64 

For details regarding legal claims, see Note 17. 

1 

1 

(2) 

- 

- 

- 

- 

- 

56 

3 

(1) 

(4) 

54 

5 

49 

54 

169 

10 

(26) 

(35) 

118 

69 

49 

118 

79 

 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

16.  Employee benefits 

Employee  benefits  include  severance  pay,  post-employment  benefits,  other 
long-term benefits, and short-term benefits. See also Note 26 regarding share-
based payment. 

16.1.  Composition of liabilities in respect of employee benefits 

2021 

2020 

Note 

NIS millions  NIS millions 

16.4 

16.5.1 

16.5.2 

16.5.3 

16.3.3 

16.3.3 

16.5.2 

16.3.1 

16.3.2 

 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 

126 

150 

98 

100 

29 

7 

510 

139 

- 

60 

33 

11 

243 

753 

122 

161 

87 

62 

43 

7 

482 

140 

108 

58 

29 

 - 

335 

817 

223 

(163) 

60 

214 

(156) 

58 

80 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

16.2.  Defined deposit plans 

16.2.1.  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 

218 

219 

223 

2021 

2020 

2019 

NIS millions  

NIS millions 

NIS millions 

16.2.2. 

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 note 16.3.1 below). 

16.3.  Defined benefits plan 

16.3.1. 

16.3.2. 

Liabilities in respect of defined benefit plans in the Group include the 
following liabilities: 

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. 

16.3.3.  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. 

81 

 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

16.4.  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 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). 

16.5.  Early retirement and dismissal benefits 

16.5.1.  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 6 to the agreement dated December 
2020, Bezeq was entitled, at its discretion, to terminate the employment of 
up to 50 permanent and veteran employees in each of the years 2021 - 2026 
(the Company’s right accumulates over the years), which is in addition to the 
retirement  quota  of  about  300  permanent  employees  remaining  from  the 
previous agreement, the employment of whom the Company will be able to 
terminate at the end of the current 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 November 11, 2021, Bezeq's Board of Directors approved, as part of the 
implementation  of  a  streamlining  plan  in  the  Company,  the  retirement  of 
about 50 permanent employees Veterans in an early retirement route with a 
total  cost  of  approximately  NIS  71  million.  In  light  of  the  aforesaid,  Bezeq 
recorded in its financial statements for the fourth quarter of 2021 an expense 
in the amount of approximately NIS 67 million, and is due for repayment in 
2022. 

16.5.2.  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, 2021 is NIS 100 million. 

16.5.3.  Pelephone, Bezeq International and DBS are bound by collective bargaining 
agreements  between  them  and  the  Histadruyot  and  the  employees 
committees.  The  balance  of  the  provision  for  streamlining  and  grant 
payments  in  respect  of  these  agreements  as  of  December  31,  2021  is 
approximately NIS 43 million. 

82 

 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

16.6. 

Actuarial assumptions 

The main actuarial assumptions regarding defined benefit plans as of the 
reporting date are: 

16.6.1.  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. 

16.6.2.  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. 

16.6.3.  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, 2021 

December 31, 2020 

Average discount rate  Average discount rate 

3% 

3.3% 

2.7% 

2.8% 

16.6.4.  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 2022 until 2026, 
resulting from the collective bargaining agreement signed in 
August 2015 and in December 2020. 
An average update of 5.8% for young employees gradually 
decreases to 2.7% at age 66. (In 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 1% to 2.95%. 

83 

 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

16.6.5.  Details  of  the  weighted  duration  of  liabilities  in  respect  of  post-

employment main benefits: 

Severance Pay 

Benefits for retirees 

December 31, 
2021 

December 31, 2020 

Years 

Years 

12 

16 

12 

16 

16.7.  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. 

December 31, 
2021 

December 31, 
2020 

NIS millions 

NIS millions 

(32) 

33 

(14) 

(3) 

(35) 

34 

(20) 

(3) 

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 

17. 

Liabilities 

17.1. Claims against the Company 

17.1.1  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 
debentures  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. 

17.1.2  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 

84 

 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

received by the Company is charged directly to the Company's shareholders' 
equity under the loss balance item. 

17.1.3 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. 

17.1.4. In June 2017, two motions for approval of a class action lawsuit in the total 
amount  of  NIS  1.8  billion  were  filed  against  the  Company,  Bezeq,  group 
officers  and  companies  from  Bezeq’s  then  controlling  group  regarding  the 
purchase  of  DBS’s  shares  by  Bezeq  from  Eurocom.  In  accordance  with  a 
court decision, the filing of a unified motion is expected to replace these two 
motions.  The  said  procedure  was  delayed  at  the  request  of  the  Attorney 
General several times, while as of this date, the procedure was delayed until 
July 2022. According to the assessment of the Company's legal counsel, at 
this preliminary stage, it is not possible to assess the chances of acceptance 
of the motion, see also note 17.2 below. 

17.1.5 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. 

17.1.6. In July  2021  the respondents filed  a  response alleging  that the motion for 
approval  was  unfounded,  inter  alia,  due  to  the  fact  that  the  information 
alleged in the motion for approval as required for publication did not meet the 
statutory  standards 
reporting  obligation  and  was 
accompanied  by  an  arrangement  procedure  and  professional  consultants 
and  supervised  by  the  Board  of  Directors,  and  therefore  all  appropriate 
measures have been taken to comply with the provisions of the law and that 
these findings contradict the applicant's contention. 

for  establishing 

85 

 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

In December 2021 the Company filed a motion for in limine dismissal of the 
motion  for  approval  against  it,  inter  alia,  because  the  motion  for  approval 
does not specify claims against the Company, and because for most of the 
relevant period the Company was a dual company, so the law applicable to 
it  is  US  law, and because  the motion is  not  supported  by  an  opinion  of  an 
expert on foreign law. 

After several hearings for responses and a pre-trial hearing in February 2022, 
a decision was made in which the parties were asked to update whether they 
wished to hold a mediation, an additional preliminary hearing or to coordinate 
a hearing. The parties have announced that they are working to coordinate 
deadlines for evidentiary hearings. 

At this stage, the opinion of the Company's legal counsel is that the chances 
of  dismissal  of  the  claim  on  its  merits  are  higher  than  its  chances  of 
acceptance. 

17.1.7. 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 minus 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. 

In January 2021, the Company submitted a motion for in limine dismissal of 
the motion for approval and a motion for extension. In April 2021, a hearing 
was held on the motion for dismissal, in which it was determined that only 
after  a  date  has  been  set  for  the  hearing  of  the  request  for  disclosure  of 
documents,  a  date  will  be  set  for  submitting  answers  to  the  request  and 
another hearing will be scheduled. As of this date, a hearing for the disclosure 
of documents is scheduled for April 2022 and a date for a hearing is expected 
to be scheduled for May 2022. The opinion of the Company's legal counsel 
is that at this early stage, in which claims have not yet been filed on behalf of 
the Company, they are unable to assess the chances of acceptance of the 
motion for approval. 

86 

 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

17.2. 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 
note: "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 15), 
where provisions were required to cover the exposure as a result of such Legal 
Claims. 

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, 2021, 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  3.6  billion.  In  addition,  there  is  an  additional 
exposure  in  the  amount  of  about  NIS  2.5  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. 

For updates regarding subsequent changes, see Note 17.3 below. 

87 

 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

The following is a description of the contingent liabilities of Bezeq Group valid as 
of December 31, 2021 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 the 
Group companies. 

Claims of 
enterprises and 
companies 

Claims in which the liability of the 
Group companies' liability is claimed in 
connection with their operation and / or 
their investments. 

Claims of 
employees and 
former 
employees of the 
Group 
companies  

State and 
authority claims 

Miscellaneous 

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 the Group companies and 
various financial disputes regarding 
funds paid by the Group companies to 
the authorities (including property tax 
payments). See also Note 6.6.  

Other legal claims, including tort claims 
(except for claims in which there is no 
dispute as to the existence of 
insurance coverage), real estate, 
infrastructure, etc. 

Total claims against Bezeq and its subsidiaries 

64  

2,787 

663 

-  

752  

 )1(1,813  

-  

1    

-  

-  

-  

7  

- 

 113 

23 

64  

23 

3,563  

88 

 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

(1)  The total includes 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 DBS Ltd. 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  criminal  proceedings  that  follow  the  investigation  of  the  Securities 
Authority (as described in Note 1.3) and at the request of the Attorney General 
at this stage, until September 6, 2021 (as described in Note 1.3). 

17.3. After  the  date  of the financial  statements,  a motion  for  approval  of  a  class 
action  without  a  financial  estimate  was  submitted  against  Bezeq  Group 
companies. As of the date of approval of the statements, the chances of the 
motion  have  not  yet  been  assessed.  Also,  three  claims  without  monetary 
valuation as well claims for which the exposure was approximately NIS 501 
million were terminated. 

18.  Engagements 

18.1. 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 
2022 
2023 
2024 
2025 
2026 onwards 

Space segments  

NIS millions 
77 
78 
60 
56 
9 
280 

Content and 
Copyright 

NIS millions 
394 
175 
38 
- 
- 
607 

Total 

NIS millions 
471 
253 
98 
56 
9 
887 

18.2.  According to an agreement with Space Communications Ltd. ("Space") 
from  2013,  as  amended  (including  amendment  dated  July  2021),  DBS 
leases  space  segments  in  satellites  from  the  "Amos"  series  ("Space 
Agreement"). 

In accordance with the provisions of the Space Agreement, 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  is  leased  to  DBS 
until  February  2024,  while  DBS  may  extend  the  lease  period  by  an 
additional six months. 

89 

 
 
 
  
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

The leased space segments - according to the Space Agreement, subject 
to unavailability events and until the end of the “Amos 7” satellite leasing 
period, 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  after  which  DBS  will  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 -  According  to  the  Space  Agreement, 
DBS  may  announce  an  early  termination  without  cause  of  the  Space 
agreement, subject to 12 months' prior notice and payment of the lease in 
"Amos 7" plus payment of parts of the lease balance in the space segments 
in "Amos 3" ". 

18.3. 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,  2021  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 22 million. 

18.4.  In  April  2021,  a  new  contract  agreement  entered  into  force,  between 
Pelephone and International Distribution Apple (“Apple") for the purchase 
and  distribution  of  iPhones,  according  to  which  Pelephone  undertook  to 
purchase a minimum annual amount of devices for an additional three years 
at prices that will be valid at the time of actual purchase. 

18.5.  For  the  purpose  of  its  activities,  Bezeq International  procures  irrevocable 
rights-of-use  in  capacities  (IRU)  from  service  providers.  During  the  first 
quarter  of  2021,  Bezeq  International  signed  an  agreement  to  extend  the 
periods of use of the capacities until July 2030 with the supplier. In respect 
of the rights-of-use, Bezeq International pays payments spread over annual 
payments throughout the period of use of the capacities. The balance of the 
liability under the agreement as of December 31, 2021 is USD 10.1 million. 

18.6. The Bezeq Group companies, as of December 31, 2021, have contracts for 
the purchase of end equipment, property, plant and equipment, intangible 
assets  and  additional  assets  in  the  amount  of  approximately  NIS  449 
million. 

90 

 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

18.7. Further to the aforesaid in Note 9.4 above regarding the deployment of a 
fiber optic network by Bezeq, in accordance with the provisions of Article 
14C of the Communications Law, with the amendment of the Bezeq license, 
the  communications  companies  including  Bezeq  and  its  subsidiaries 
Pelephone, DBS and Bezeq International are required to pay 0.5% of their 
annual  revenue  during  the  deployment  period  to  the  incentive  fund.  The 
incentive fund will be managed by the Accountant General in the Ministry of 
Finance, for the benefit of encouraging fiber deployment while participating 
in its financing in statistical areas that are not included in the deployment 
areas chosen by Bezeq. The Minister of Communications, with the consent 
of the Minister of Finance and with the approval of the Economy Committee, 
may change this rate. 

18.5. For information on engagements with related parties, see Note 29. 

19.  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. 

19.1.  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  132  million  (of  which 
approximately 55 million are linked to the consumer price index). 

19.2. The Bezeq Group companies provided bank guarantees to third parties in 
the total amount of approximately NIS 199 million (including guarantees 
in  the  amount  of  approximately  NIS  120  million  in  respect  of  the  Sakia 
complex. For details, see Note 6.6). 

19.3. Restrictions  on  the  creation  of  liens  on  the  assets  of  Bezeq  Group 

companies: 

19.3.1.  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. 

91 

 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

19.3.2.  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  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. 

19.3.3. 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. 

19.3.4. With 

to 

respect 

license, 

the  DBS  broadcasting 

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). 

92 

 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

19.4. Regarding the conditions that the Company undertook in connection with 

loans and credit, see Note 13. 

20.  Equity 

20.1.  Share capital  

Ordinary shares of NIS 0.1 par value each 

Number of ordinary shares 

2021 

2020 

Issued and paid up capital as of January 1  116,316,563 

116,316,563 

Shares issued during the year 

 )

1,457,573
(

- 

Issued and paid up capital as of December 
31 
Registered capital as of December 31 

114,858,990 

116,316,563 

300,000,000 

150,000,000 

*  As  of  December  31,  2021,  1,476,803 of  the  Company's  shares  are  held  as 
treasury shares. 

20.2.  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 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. 

20.3.  On March 31, 2021, the General Meeting of the Company approved the 
increase of the registered share equity of the Company so that after the 
said increase of registered equity, the registered equity of the Company 
will be NIS 30,000,000, divided into 300,000,000 ordinary shares of NIS 
0.1 each, and accordingly, an amendment to the Company's Articles of 
Association was approved. 

93 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

20.4.  On November 30, 2021, the Company's Board of  Directors approved 
the repurchase of its shares in the amount of up to NIS 30 million from 
December 1, 2021 until: (1) the purchase of shares of the Company in 
the amount of NIS 30 million; Or (2) March 1, 2022, whichever is earlier. 

As of December 31, 2021, the Company purchased a total of 1,457,573 
of  its shares  as  part  of the  acquisition  plan  for  approximately  NIS  16 
million. 

See  Note  32  on  the  purchase  of  the  Company's  shares  after  the 
balance sheet date and the completion of the repurchase plan. 

On  March  23,  2022,  the  Company's  Board  of  Directors  approved  a 
repurchase of its shares in the amount of up to NIS 20 million from March 
24, 2022 until the earliest of: (1) the purchase of shares of the Company in 
the amount of NIS 20 million; Or (2) May 12, 2022. 

21. Revenues 

For the year ended December 31 
2021 
NIS millions 

2020 
NIS millions 

2019 
NIS millions 

Fixed Line 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 

Internet  (ISP),  international  communications, 
network  endpoint  services  and  ICT  solutions– 
Bezeq International 

Other 

Total revenues 

1,562 
891 
844 
318 
230 
3,845 

1,606 
643 
2,249 

1,270 

1,186 

271 

8,821 

1,537 
981 
785 
288 
222 
3,813 

1,550 
577 
2,127 

1,286 

1,217 

280 

8,723 

1,497 
1,017 
745 
273 
225 
3,757 

1,674 
642 
2,316 

1,344 

1,283 

229 

8,929 

94 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

22.  Operating and general expenses 

For the year ended December 31 
2021 
NIS millions 

2020 
NIS millions 

2019 
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 * 

717 

803 

553 

546 

238 

348 

60 

776 

747 

589 

471 

246 

303 

50 

757 

806 

644 

502 

271 

270 

71 

3,265 

3,182 

3,321 

* Operating and general expenses are presented minus expenses incurred in 2021 in respect of 
investments in property, plant and equipment and intangible assets in the amount of NIS 49 
million (in 2020 approximately NIS 38 million and in 2019 approximately NIS 43 million). 

23.  Salaries 

Total salary and ancillary expenses 

Share-based payment 

Deducting salary attributed to investments in 
property, plant and equipment and intangible assets 

For the year ended December 31 
2021 

2020 

2019 

NIS millions 

NIS millions 

NIS millions 

2,416 

27 

 )

555

(

1,888 

2,442 

- 

 )

548

(

1,894 

2,476 

- 

 )

539

(

1,937 

24.  Other operating expenses (income), net 

 For the year ended December 31 

2021 

2020 

2019 

NIS millions  NIS millions 

NIS millions 

Capital gain (mainly from sale of real estate) 

 )175( 

Receipts from a compromise agreement 
Termination of an employee-employer relationship in 
early retirement in Bezeq (see Note 16.5.1) 
Provision for a collective bargaining agreement signing 
grant in Bezeq (see Note 16.5.1) 
Termination of an employer-employee relationship in 
early retirement and a streamlining agreement in 
Pelephone, Bezeq International and DBS (Note 16.5.3) 

Provision for claims 

Other expenses (income) 

Profit from the sale of an investee (see Note 12.4) 

Other operating expenses (income), net 

)5( 

95 

- 

37 

 )23( 

)6( 

- 

 )77( 

(18 )

(9)

64 

40 

9 

11 

(2)

(22 )

73 

 )

475

(

- 

109 

- 

167 

10 

1 

- 

 )

188

(

95 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

25. Financing expenses (income), net 

For the year ended December 31 

2021 

2020 

2019 

NIS millions  NIS millions  NIS millions 

Interest expenses in respect of financial liabilities 

395 

Financing expenses in respect of benefits to employees  7 
Costs due to early repayment of loans and debentures 
(see Note 13) 

34 

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 

Total financing expenses 

Income from credit grossing in sales 

49 

40 

8 

- 

533 

28 

Income from change in debentures terms (see Note 13) 

- 

Other financing income 
Change in the fair value of financial assets measured at 
fair value through statement of income 

Total financing income 

Financing expenses, net 

* Reclassified 

26.  Share-based payment 

26.1. 

Plan terms 

16 

11 

55 

478 

 *
382

8 

65*

23 

30 

6 

11 

525 

30 

- 

15*

6*  

51 

474 

458 

89 

93 

46 

29 

14 

9 

738 

29 

191 

32*

14*

266 

472 

During 2021, Bezeq allocated options to officers, managers and senior 
employees in Bezeq and its subsidiaries. The options were allocated to 
each offeree in three grants, each grant at a rate of one-third of the total 
options  allocated  to  the offeree.  Each  grant  will  mature in four  annual 
installments, with a different exercise price set for each grant. Exercise 
of  each  option  is  subject  to the condition that  after  the maturity  of the 
option, the price conditions for the exercise of the option were met (the 
average closing price of a Bezeq share in a period of at least thirty 30 
consecutive trading days prior to the examination is equal to the price 
that is a condition for the exercise or higher). The following is a list of 
exercise prices and share price targets for exercise: 

Exercise price 

NIS 3.72 
NIS 4.46 
NIS 5.35 

price 

exercise 

Share 
condition 

NIS 5 
NIS 5.75 
NIS 7 

Grant 1 
Grant 2 
Grant 3 

96 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

26.2. 

Change in the number of option deeds 

Options granted throughout the year 

Options canceled during the year due to the departure of the offerees 

Balance in turnover at the end of the period 

Can  be  exercised  at  the  end  of  the  period  (subject  to  meeting  the 
conditions of the share exercise price) 

Number of options 
2021 
Millions 
62 

(2) 

60 

15* 

* As of the date of approval of the Statements, approximately 5 million options met the terms 
of the share price and are exercisable. 

26.3. 

Details  regarding  the  measurement  of  the  fair  value  of  a  share-
based payment plan 

The fair value of the options granted, which was estimated by an external 
valuator while applying the Monte Carlo model, is approximately NIS 46 
million, in accordance with the vesting period and the exercise conditions 
as  detailed  above.  The  following  are  the  main  parameters  used  to 
assess the value: 

Bezeq 
Chairman of 
the Board of 
Directors 

Bezeq CEO 

CEO of 
Pelephone, 
Bezeq 
Internationa
l and DBS 

Executives 
and senior 
employees of 
Bezeq 

Number of options (millions) 
The fair value at the time of the 
grant (NIS million) 

12 

9.3 

9 

6.9 

9 

6.9 

32 

23 

Share price 
Predicted volatility 

NIS 3.43 
29.82% 

NIS 3.43 
29.82% 

NIS 3.43 
29.82% 

Risk-free interest rate 
Dividend yield 

Predicted 
early 
coefficient 
Duration of options 
Churn rate after vesting 

exercise 

0.54% 
A zero 
dividend 
yield was 
2.8 
assumed 
6.9 years 
0% 

0.54% 
A zero 
dividend 
yield was 
2.8 
assumed 
6.9 years 
0% 

0.54% 
A zero 
dividend 
yield was 
2.8 
assumed 
6.9 years 
0% 

0.54%

NIS 3.3-3.45 
29.79%
 -  
29.83% 
0.79%
  - 
A zero 
dividend yield 
was assumed 
2.2 
7-8 years 
0% 

26.4. 

Salary  expenses  recognized  by  the  Bezeq  Group  in  respect  of 
share-based payment 

רבמצדב 31 םויב המייתסהש הנשל 

2021 

2020 

2019 

NIS millions 

NIS millions 

NIS millions 

Salary expenses 

27 

- 

- 

97 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

26.5.  Options granted to the CEO of the Company 

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 
General  Manager,  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 
and 2021 amounted to approximately NIS 280,000 in each of the years. 

27.  Profit (loss) per share 

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 

Balance as of January 1 

Impact of shares issued during the year 
Weighted average of common shares (basic 
and diluted) as of December 31 

2021 

129 

116 

- 

116 

2020 

157 

116 

- 

116 

2019 

 )

853

(

30 

13 

43 

Basic and diluted profit (loss) per share 
(NIS) 

1.11 

1.35 

 )

19.75

(

98 

 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

28. Segmental 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  21).  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  Israel  Telecommunications  Corporation  Ltd.  –  Fixed 

Line communications; 

2.  Pelephone Communications Ltd. - Cellular communications; 
3.  Bezeq  International  Ltd.  -  Internet,  international  communications, 
network endpoint services and ICT solutions) (hereinafter - "Bezeq 
International services segment"); 

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  (in  2019-2020).  These  activities  are  not  reported  as 
reportable segments as they do not meet the quantitative thresholds in the 
reporting years. 

Inter-segmental  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  multi-channel  television  segment  are  presented  net  of 
losses  from  impairment  of  assets  described  in  Note  10.5.  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. 

99 

 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

28.1. 

Activity segments 

For the year ended December 31, 2021 

Fixed 
Line 
communi
cation 

NIS 

millions 
3,845 
337 
4,182 

Cellular 
communi
cation * 

NIS 

millions 
2,249 
40 
2,289 

Bezeq 
Internatio
nal 
Services 

NIS 

millions 
1,186 
51 
1,237 

Multi-
channel 
TV * 

NIS 

millions 
1,270 
- 
1,270 

Others 

NIS 

millions 
271 
6 
277 

Adjustme
nts 

Consolida
ted 

NIS 

millions 
- 
 )
434
 )
434

(
(

NIS 

millions 
8,821 
- 
8,821 

938 

577 

173 

292 

4 

(95 )

1,889 

External revenues 
Inter-segmental revenue 
Total revenue 

Depreciation, amortization 
and impairment 

Segment results - operating 
profit (loss) 
Financial expenses 
Financing income 
Total financing expenses 
(income), net 

1,748 
357 
(15 )

342 

42 
23 
(65 )

(42 )

Segment profit (loss) after 
financing expenses, net 
Share in profits (losses) of 
equity-held investee 
companies 
Segment profit (loss) before 
income taxes 
Income taxes 
Segment results - net profit 
(loss) 

Segment assets 
Investment in affiliated 
companies 
Goodwill 
Segment liabilities 
Investments in property, 
plant and equipment, 
intangible assets and 
deferred expenses 

1,406 

84 

- 

1,406 
343 

1,063 

- 

84 
20 

64 

9,245 

4,452 

- 
- 
11,415 

- 
- 
1,753 

22 
5 
(3)

2 

20 

- 

20 
12 

8 

778 

5 
- 
566 

(41 )
4 
(3)

1 

(42 )

- 

(42 )
1 

(43 )

27 
- 
- 

- 

27 

- 

27 
6 

21 

1,293 

100 

- 
- 
474 

- 
- 
37 

58 
414  
13  

175 

1,856 
533 
(55 )

478 

 )

117

(

1,378 

- 

- 

(

117
 )
- 

 )

117

(

 )

874

(

- 
1,560 
844 

1,378 
382 

996 

14,994 

5 
1,560 
15,089 

1,197 

289 

111 

188 

5 

- 

1,790 

*  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  for  a  summary  of  selected  data  from  the  financial 
statements of DBS. 

100

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

For the year ended December 31, 2020 

Fixed 
Line 
communi
cation 

NIS 

millions 
3,813 
346 
4,159 

Cellular 
communi
cation * 

NIS 

millions 
2,127 
59 
2,186 

Bezeq 
Internatio
nal 
Services 

NIS 

millions 
1,217 
54 
1,271 

Multi-
channel 
TV * 

NIS 

millions 
1,286 
1 
1,287 

Others 

NIS 

millions 
280 
6 
286 

877 

599 

149 

310 

1,705 
419 
(16 )
403 

1,705 

(84 )
18 
(66 )
(48 )

(84 )

(

241
 )
5 
(3)
2 

 )

241

(

(42 )
15 
(2)
13 

(42 )

1,302 

(36 )

 )

243

(

(55 )

- 

1,302 
262 

1,040 

8,471 
- 

- 
11,764 

- 

(36 )
(11 )

(25 )

4,371 
- 

- 
1,742 

- 

(

243
 )
32 

 )

275

(

781 
4 

- 
580 

- 

(55 )
2 

(57 )

1,365 
- 

- 
505 

14 

44 
1 
- 
1 

44 

43 

- 

43 
4 

39 

96 
- 

- 
42 

Adjustme
nts 

Consolida
ted 

NIS 

millions 
- 
 )
466
 )
466

(
(

NIS 

millions 
8,723 
- 
8,723 

(91 )

1,858 

326 
67 
36 
103 

326 

1,708 
525 
 )51( 
474 

1,708 

223 

1,234 

- 

223 
45 

178 

(

 )
694
- 

1,559 
893 

- 

1,234 
334 

900 

14,390 
4 

1,559 
15,526 

975 

437 

123 

165 

12 

- 

1,712 

External revenues 
Inter-segmental revenue 
Total revenue 

Depreciation, amortization 
and impairment 

Segment results - operating 
profit (loss) 

Financial expenses 
Financing income 
Total financing expenses 
(income), net 

Segment profit (loss) after 
financing expenses, net 
Share in losses of equity-
held investee companies 
Segment profit (loss) before 
income taxes 
Income taxes 
Segment results - net profit 
(loss) 

Segment assets 
Goodwill 
Investment in affiliated 
companies 
Segment liabilities 
Investments in property, 
plant and equipment, 
intangible assets and 
deferred expenses 

*  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 for a summary of selected data from the financial statements of DBS. 

101

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

For the year ended December 31, 2019 

Fixed 
Line 
communi
cation 

NIS 

millions 
3,757 
316 
4,073 

Cellular 
communi
cation * 

NIS 

millions 
2,316 
46 
2,362 

Bezeq 
Internatio
nal 
Services 

NIS 

millions 
1,283 
56 
1,339 

Multi-
channel 
TV * 

NIS 

millions 
1,344 
1 
1,345 

Others 

NIS 

millions 
229 
9 
238 

Adjustme
nts 

Consolida
ted 

NIS 

millions 
- 
 )
428
 )
428

(
(

NIS 

millions 
8,929 
- 
8,929 

861 

633 

190 

334 

14 

32 

2,064 

2,142 
608 
(39 )

569 

(99 )
23 
(62 )

(39 )

(

196

)  
8 
(2)

6 

(

135
 )
17 
(5)

12 

1,573 

(60 )

)  

202

(

 )

147

(

- 

1,573 
381 

1,192 

8,091 
- 

- 
12,466 

- 

(60 )
(13 )

(47 )

4,088 
- 

- 
1,434 

1 

- 

(

)  
202
(45)  

(

 )
147
2 

)  

157

(

 )

149

(

1,080 
- 

4 
604 

1,491 
- 

- 
576 

1 
1 
- 

1 

- 

(4) 

(2)
- 

(2)

149 
- 

2 
79 

(

1,247
 )
81 
 )
158

(

(77 )

 )

1,170

(

- 

466 
738 
 )
266

(

472 

(6)

(3) 

(

 )
1,170
1,127 

(8)
1,452 

 )

2,297

(

 )  

1,460

(

 )
900
(
1,559 

- 
843 

13,999 
1,559 

6 
16,002 

914 

335 

110 

222 

9 

- 

1,590 

External revenues 
Inter-segmental revenue 
Total revenue 

Depreciation, amortization 
and impairment 

Operating segment profit 
(loss) results 
Financial expenses 
Financing income 
Total financing expenses 
(income), 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 
Goodwill 
Investment in affiliated 
companies 
Segment liabilities 
Investments in property, 
plant and equipment, 
intangible assets and 
deferred expenses 

*  Impairment loss in the cellular communications segment is shown as part of the adjustments. 

**  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 for a summary of selected data from the financial statements of DBS. 

102

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

28.2.  Adjustments  for  reported  segments  of  revenue,  income,  assets  and 

liabilities 

For the year ended December 31 

2021 

2020 

2019 

NIS millions 

NIS millions 

NIS millions 

Revenue 

Revenue from reportable segments 

Revenue from other segments 

8,978 

277 

Elimination of revenue from inter-segmental sales  

 )

434

(

Consolidated Revenue  

8,821 

Income 

Operating profit in respect of reportable segments 

1,771 

Financing expenses, net 
Loss (loss write-off) from impairment of assets 
(see Note 10.2) 
Adjustments for the multi-channel television 
segment 

Share in losses of affiliated companies 

Reducing cost overruns 
Profit (loss) due to activities classified in other 
category and other adjustments 

 )

478

(

- 

72 

- 

- 

13 

8,903 

286 

 )

466

(

8,723 

1,338 

 )

475

(

286 

81 

- 

(22 )

26 

Consolidated profit (loss) before income taxes 

1,378 

1,234 

9,119 

238 

 )

428

(

8,929 

1,712 

 )

472

(

 )

1,133

(

80 

(2)

 )

185

(

(8)

(8)

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 10), 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 

Liabilities associated with activities classified in the other category 

37 

Deducting cross-segmental liabilities 

Liabilities related to non-reportable segments 

Consolidated assets 

 )

1,407

(

2,251 

15,089 

103

December 31, 
2021 

December 31, 
2020 

NIS millions 

NIS millions 

15,773 

100 

1,560 

14,992 

96 

1,559 

 )

2,280

(

 )

2,188

(

1,406 

16,559 

14,208 

1,494 

15,953 

14,591 

42 

 )

1,242

(

2,135 

15,526 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

29. Transactions with stakeholders and related parties  

29.1.  Identity of stakeholder and related parties 

The  stakeholders  and  related  parties  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 stakeholders and 
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.  Balances With stakeholders and related parties  

As of December 31 

2021 

2020 

NIS millions 

NIS millions 

Customers and trade receivables - affiliated company 

Related parties, net 
Eurocom DBS Ltd. in respect of excess advances paid in 
respect of contingent consideration (excluding interest) (see 
Note 12.2.1)  

1 

(2)

99 

2 

(1)

99 

29.3.  Transactions with stakeholders and related parties 

Revenue 
Related parties 
From affiliates 
Expenses 
To related parties  
To affiliates  

For the year ended December 31 

2021 

2020 

2019 

NIS millions 

NIS millions 

NIS millions 

1 
(2)
99 
1 
(2)

2 
(1)
99 
2 
(1)

1 
(2)
99 
1 
(2)

29.3.1. Negligibility procedure in Bezeq Group 

Bezeq's  Audit  Committee  decided  to  adopt  guidelines,  criteria  and 
rules  for  classifying  a  transaction  by  Bezeq  or  its  subsidiary  with 
Company  officers  or  in  which  an  officer  of  Bezeq  has  a  personal 
interest (hereinafter - "transaction with an officer") and a transaction 
with  Bezeq’s  controlling  shareholder  or  in  which  the  controlling 
shareholder has a personal interest (hereinafter - "transaction with a 
controlling shareholder") as a negligible transaction. 

104

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

The criteria set forth in the procedure, as will be updated from time to 
time in accordance with its instructions, may be used by Bezeq, inter 
alia, for the following purposes: 

A.  For the classification of the transaction as a negligible transaction 
as  provided  in  Regulation  41  (a3)  of  the  Securities  Regulations 
(Annual Financial Statements), 5771-2010. 

B.  To  examine  the  scope  of  disclosure  in  the  periodic  report  and 
prospectus (including shelf offer reports) regarding a transaction 
of  Bezeq,  a  corporation  controlled  by  it  and  its  subsidiary  or 
affiliate with a controlling shareholder, or in which the controlling 
shareholder has a personal interest as provided in Regulation 22 
of the Securities Regulations, 5730-1970 (hereinafter - "Periodic 
Reporting  Regulations")  and  in  Regulation  54  of  the  Securities 
Regulations  (Prospectus  and  Draft  Prospectus  -  Structure  and 
Form), 5729-1969. 

C.  In  addition,  the  criteria  for  examining  the  negligibility  of  a 
transaction specified in this procedure may be used as a tool to 
examine the negligibility of other business relationships, such as: 
the business relations with a candidate for office as an external 
director  or  independent  director  being  negligible  relations  as 
stated  in  the  Companies  Regulations  (Matters  that  Do  Not 
Constitute an Affiliation), 5767-2006 and as stated in Article 240(f) 
of the Companies Law, 5769-1999 ("Companies Law"). 

Bezeq and its subsidiaries, from time to time, enter into transactions 
with  Bezeq's  officers  and  controlling  shareholders, 
including 
transactions of the types and with characteristics as detailed below. 

1.  Sales of services and communication products by Bezeq Group 
companies  -  including  various  basic  communication  services 
(infrastructure, 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  telephony  services, 
hosting services and data communication services; TV services. 
2.  Lease agreements, management and purchase of real estate, 
including,  inter  alia:  lease  of  areas  used  for  communication 
facilities and warehouses. 

3.  Receipt  of  consulting  and  training  services  for  Bezeq  Group 

companies or their employees. 

4.  Purchase  of  goods  and  services  used  by  Bezeq  Group 
companies in their activities, such as the purchase of fuels and 
energy  products,  repair  services,  financial  /  banking  services 
and more. 

105

 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

In the  absence  of  special  quality  considerations  arising  from  all  the 
circumstances  of  the  case,  a  transaction  will  be  considered  a 
negligible transaction if all the following parameters are met: 

A.  The transaction is not an exceptional transaction (that is, a 
transaction made in the ordinary course of business, under 
market  conditions  and  which  may  not  materially  affect 
Bezeq's profitability, property or liabilities, all in accordance 
with Bezeq’s procedures). 

B.  The scope of the engagement specified in it for Bezeq (solo, 
and  not  on  a  consolidated  basis)  (or  in  any  of  the 
subsidiaries) will not exceed NIS 10 million. 

C.  Bezeq  is  not  required  to  report  the  transaction  in  an 
immediate  manner  in  accordance  with  Regulation  36  or 
Regulation  37(a)  of  the  Periodic  Reports  Regulations  or 
under other law. 

D.  The  transaction  does  not  include  terms  of  office  and 
employment (as defined in the Companies Law, 5769-1999) 
of a stakeholder or a related party, or does not constitute a 
contract  as  stated  in  the  last  part  of  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 Bezeq receiving services from him, 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). 

As  a  rule,  each  transaction  will  be  examined  separately  for  the 
purpose  of  examining  its  compliance  with  the  conditions  for 
classification  of  a  transaction  as  negligible  as  detailed  above. 
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 or with the same entity 
and with corporations under its control, or transactions between which 
there  is  a  dependency  or  stipulation,  will  be  examined  as  a  single 
transaction on an annual basis for the purpose of their examination. 

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, the Audit Committee will examine the parameters listed 
above and the need to update them, and will approve them or approve 
updates therein. 

The  Audit  Committee  may  from  time  to  time  and  at  its  discretion, 
change the above parameters to classify a negligible transaction. 

The  following  are  transactions  listed  in  Article  270  (4)  of  the 
Companies Law that are not considered negligible transactions: 

106

 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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 

with 

Nature of the transaction 
Approval  of  Bezeq’s  vote  at  the  general 
favor  of  DBS’s 
meeting  of  DBS 
in 
engagement 
Space 
Communications  Ltd.  ("Space"  and  the 
"Parties" respectively) in the amendment 
/  addition  to  the  existing  agreement 
between  the  parties  dated  November  4, 
2013 for the lease of satellite segments in 
Space’s  satellites  ("the  Engagement"), 
including 
the 
Engagement and its execution. 

refinement 

the 

of 

The 
essence 
of 
personal 
interest 
Note 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 
18.1 and 18.2.  

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  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. 

107

 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

29.4. 

Benefits for the Group’s key executives  

Benefits  for  employing  key  management  personnel  in  the  Group  in  the 
years 2019-2021 include: 

For the year ended December 31 

2021 

NIS  thousands 

2020 
NIS  thousands  NIS  thousands 

2019 

Number of key executives * 

Salary ** 

Grant*** 
Management fees for the Chairman of 
the Board **** 

Share-based payment 

5 

8,163 

7,780 

- 

13,530 

30,713 

6 

8,246 

4,995 

1,919 

280 

15,440 

6 

8,163 

3,834 

2,400 

- 

14,397 

*  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 served as a director in the Company until November 29, 2021), as 
well as the former Bezeq Board of Directors, 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 20.1.3. 

**  In 2021, the changes in other provisions in Bezeq (included in the total 
salary)  mainly  include  provisions  for  vacation  and  sick  leave  in  the 
amount of approximately NIS 0.2 million. The salary of the Company's 
CEO in 2021 also includes the remuneration of directors he received as 
a director of the Company until November 29, 2021, as well as a special 
grant in the amount of approximately NIS 2.3 million for the year 2020 
and for the year 2021.. 

In 2020, the changes in other provisions in Bezeq (included in the total 
salary)  mainly  include  a  provision  for  prior  notice  and  for  the  non-
compete period for the Chairman of Bezeq's Board of Directors in the 
amount of NIS 0.9 million. 

In  2019,  the  changes  in  other  provisions  (included  in  the  total  salary) 
mainly include an increase in the provision for prior notice, vacation and 
sick leave to the CEO of Bezeq in the amount of approximately NIS 0.6 
million. 

For information regarding share-based compensation, see Note 26. 

108

 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

29.5. 

Benefits to the Company’s directors 

For the year ended December 31 

2021 
NIS 
thousands 

2020 
NIS 
thousands 

2019 
NIS 
thousands 

Remuneration 
members* 
Number 
remuneration** 

of 

to  Board  of  Directors 

directors 

receiving 

the 

635 

6 

712 

6 

937 

10 

*  The directors’ remuneration of the CEO of the Company who also served as 
a director in the Company until November 29, 2021 and the remuneration of 
the Chairman of the Company's Board of Directors in 2021 are presented in 
note 29.4 above due to their being key executives. 
In 2021, a new director was appointed on behalf of the Company's controlling 
shareholders,  an  external  director  has  retired,  a  new  external  director  was 
appointed by the General Meeting after the balance sheet date. 

** 

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 29, 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 
period up to December 31, 
2022. 

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 598K. The amount of 
the Company's deductible is 
up to USD 150,000 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 325K  
per case in securities claims 
in Israel. 

109

 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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. 

Customers and 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.  

110

 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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. 

Regarding the terms of bonds issued by the Group companies and the loans 
received, see Note 13 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 18 on engagements. 

The following are the contractual maturity dates of financial liabilities that 
were actually received as of December 31, 2021, including an estimate of 
interest  payments  (based  on  data  from  the  Consumer  Price  Index  and 
interest known as of December 31, 2021): 

As of December 31, 2021 
Book 
value 

Contrac
tual 
cash 
flow 

H1/2021 

H2/2021 

2023 

N I S   m i l l i o n s  

2024 to 
2026 

2027 
onwards 

Non-derivative financial liabilities 
Trade and other 
payables 
Loans  

1,566 
1,906 

1,566 
2,194 

1,542 
85 

Debentures  

8,142 

9,158 

105 

11,614 

12,918 

1,732 

24 
50 

997 

1,071 

- 
141 

1,135 

1,276 

- 
1,04
2 
4,70
5 
5,74
7 

- 
876 

2,216 

3,092 

Financial liabilities 
in respect of 
derivative 
instruments 

35 

35 

6 

29 

- 

- 

- 

111

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

The  table  above  does  not  include  early  repayment  of  Bezeq's  9  bonds, 
which were executed in January 2022 in the amount of NIS 370 million. In 
addition,  the  table  above  does  not  include  the  replacement  of  the 
Company's Series C bonds with the Company's Series F bonds, which was 
executed in January 2022 in the amount of NIS 417 million. Other than that, 
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 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. 

112

 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

The following is a report on the financial position according to linkage bases 
as of December 31, 2021: 

As of December 31, 2021 

In forex or 
forex-
linked 
currency 
(mainly 
dollars) 
NIS 
millions 

31 
21 
11 
- 
- 
63 

- 

- 
- 
- 
- 

- 
- 
- 
63 

Without 
linkage 
NIS 
millions 

967 
1,078 
1,833 
131 
- 
4,009 

Linked to 
the price 
index 
NIS 
millions 

- 
35 
15 
112 
- 
162 

254 

179 

- 
- 
- 
- 

117 
- 
371 
4,380 

- 
- 
- 
- 

16 
- 
195 
357 

359 

621 

- 

6 
1,317 
507 
69 
2,258 

6,773 
23 
199 
- 
- 
49 
7,044 
9,302 

460 
44 
- 
- 
1,125 

2,295 
1,488 
- 
- 
- 
- 
3,783 
4,908 

- 
240 
3 
- 
243 

- 
- 
44 
- 
- 
- 
44 
287 

Non-
monetary 
balances 
NIS 
millions 

Total 
balances 
NIS 
millions 

- 
- 
- 
37 
74 
111 

998 
1,134 
1,859 
280 
74 
4,345 

- 

433 

60 
1,828 
6,312 
3,251 

173 
24 
11,648 
11,759 

- 

- 
154 
- 
- 
154 

- 
- 
- 
142 
296 
- 
438 
592 

60 
1,828 
6,312 
3,251 

306 
24 
12,214 
16,559 

980 

466 
1,755 
510 
69 
3,780 

9,068 
1,511 
243 
  142 
296 
49 
11,309 
15,089 

 )4,922( 

 )4,551( 

 )224( 

11,167 

1,470 

Current assets 
Cash and cash equivalents 
Investments 
Trade receivables 
Other receivables 
Inventory 
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 
Debentures and loans 
Current maturities of liabilities in 
respect of leases 
Trade payables 
Employee benefits 
Provisions 
Total current liabilities 
Non-current liabilities 
Debentures and loans  
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  

 )1,096( 

880 

216 

- 

- 

113

 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

The following is a report on the financial position according to linkage bases 
as of December 31, 2020: 

As of December 31, 2020 

In forex or 
forex-
linked 
currency 
(mainly 
dollars) 
NIS 
millions 

Linked to 
the price 
index 
NIS 
millions 

- 
- 
16 
90 
- 
- 
106 

191 

- 
- 
- 
- 
- 

79 
59 
13 
- 
- 
- 
151 

- 

- 
- 
- 
- 
- 

Non-
monetary 
balances 
NIS 
millions 

Total 
balances 
NIS 
millions 

- 
- 
- 
40 
73 
10 
123 

894 
881 
1,621 
180 
73 
10 
3,659 

- 

514 

67 
1,804 
6,131 
3,268 
206 

67 
1,804 
6,131 
3,268 
402 

Without 
linkage 
NIS 
millions 

815 
822 
1,592 
50 
- 
- 
3,279 

323 

- 
- 
- 
- 
196 

- 
519 
3,798 

- 
191 
297 

- 
- 
151 

108 
11,584 
11,707 

108 
12,294 
15,953 

268 

517 

- 

2 
1,294 
479 
115 
2,158 

6,814 
4 
286 
89 
- 
52 
7,245 
9,403 

413 
126 
- 
2 
1,058 

2,671 
1,488 
- 
66 
- 
- 
4,225 
5,283 

- 
179 
3 
- 
182 

- 
- 
49 
- 
- 
- 
49 
231 

- 

- 
167 
- 
- 
167 

- 
- 
- 
152 
290 
- 
442 
610 

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 
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 
Debentures and loans  
Current maturities of liabilities in 
respect of leases 
Trade payables 
Employee benefits 
Provisions 
Total current liabilities 
Non-current liabilities 
Debentures and loans 
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 

- 

- 

114

 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

30.5.2.  Data on the Consumer Price Index: 

In 2021, the known consumer price index decreased by 2.4% 
(in  2020  a  decrease  of  0.6%,  and  in  2019  -  an  increase  of 
0.3%). 

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 profit and equity.  

A 10% increase / decrease in the exchange rate of the dollar at 
the  reporting  date  would  not  materially  affect  earnings  and 
equity.  

30.5.4.  Interest rate risk 

As of December 31, 2021, 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 
The following 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 debentures) 

Instruments at floating 
interest rates 
Financial liabilities 
(debentures) 

Book Value 

2021 

NIS millions 

1,964 

 )9,712( 

 )7,748( 

2020 

NIS millions 

1,919 

 )

10,199

(

 )8,280( 

 )336( 

 )71( 

b. 

c. 

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. 

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 net profit and equity. 

115

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

30.6.  Hedging 

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 debentures. These transactions define a specific cash 
flow of some of the debentures 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 debentures 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). 

Par value 

Fair value  

Capital 
principal 
balance  

Hedged item 

Repayment 
dates 

Transactions 

NIS 
millions 

NIS 
millions  NIS millions 

As  of  December 
31, 2021 

Series 6 
debentures 

Series 10 
debentures 

Series 12 
debentures 

As of December 
31, 2020 

Series 6 
debentures 

Series 10 
debentures 

Series 12 
debentures 

12.2022 

12.2022 
12.2025 

6.2026 
6.2030 

12.2020 
12.2022 

12.2022 
12.2025 

6.2026 
6.2030 

to 

to 

to 

to 

to 

1 

4 

5 

330 

 )29( 

300 

3 

250 

13 

10 

880 

 )13( 

3 

4 

5 

665 

(78) 

300 

(15) 

250 

(10) 

4 

9 

16 

29 

(9) 

(6) 

(5) 

12 

1,215 

(103) 

(20) 

116

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

30.6.2   Economic hedging 

a.  During 2021, 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, 2021 is a liability of approximately NIS 4 million 
(as of December 31, 2020 - 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, 2021 is a liability of about NIS 2 million (as of December 31, 
2020, a liability of approximately NIS 12 million). 

30.7. Financial instruments measured at fair value 

30.7.1   The table below presents an analysis of the financial instruments measured 

at fair value: 

December 31, 
2021 

December 31, 
2020 

NIS millions 

NIS millions 

Level 1 - Investment in marketable securities 
measured at fair value through income (see 30.7.2) 

Level 2 - Forward contracts (see 30.7.3) 

99 

(19 )

77 

 )

117

(

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. 

117

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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 debentures 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 debentures 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 

As of December 31, 2021 
Book 
value 
(including 
accrued 
interest) 

Fair 
value 

Discount 
rate 
(weighted 
average) 

The 
value in 
the 
books 

Fair 
value 

Discount 
rate 
(weighted 
average) 

% 

NIS million 

% 

NIS million 

Loans from banks and 
institutional entities 
(unlinked) 
Debentures issued to the 
public (index-linked) 
Debentures issued to the 
public (unindexed) 

1,612 

1,713 

1.93 

2,118 

2,252 

1.97 

2,913 

3,249 

 )1.25( 

3,199 

3,394 

0.44 

5,215 

9,740 

5,543 

1.76 

4,913 

5,187 

2.8 

10,505 

10,230 

10,833 

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, 
2021 

December 31, 
2020 

NIS millions 

NIS millions 

Balance of trade and other receivables, gross 

Amounts offset 
Balance of customers and trade receivables presented in the 
statement of financial position 

Gross balance of suppliers 

Amounts offset 
Balance of suppliers presented in the statement of financial 
position 

97 

 )87( 

10 

104 

 )87( 

17 

93 

 )84( 

9 

102 

 )84( 

18 

118

 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

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 statement on the financial position: 

Current assets 

Non-current assets 

Current liabilities 

Non-current liabilities 

Total liabilities 

Equity 

December 31, 

December 31, 

2021 

2020 

NIS millions 

NIS millions 

2,554 

9,957 

12,511 

2,393 

9,022 

11,415 

1,096 

12,511 

2,014 

9,600 

11,614 

2,096 

9,668 

11,764 

 )

150

(

11,614 

Data from the statement of income: 

Revenue 

Operating expenses 

Salary 

Depreciation and amortization 

Operating and general expenses 

Other operating expenses (income), net 

Total operating expenses 

Operating profit 

Financing expenses (income) 

Financial expenses 

Financing income 

Financing expenses, net 

Profit after financing expenses, net 
Share in profits (losses) of equity-held 
investee companies, net 

Profit (loss) before income taxes 

Income taxes 

Profit (loss) for the year 

For the year ended December 31 

2021 

2020 

2019 

NIS millions 

NIS millions 

NIS millions 

4,159 

4,073 

4,196 

934 

938 

667 

 )105( 

2,434 

1,748 

357 

(15 )

342 

1,406 

120 

1,526 

343 

1,183 

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) 

119

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

31.1.  Pelephone Communications Ltd. 

Data from the statement on the financial position: 

Current assets 

Non-current assets 

Current liabilities 

Non-current liabilities 

Total liabilities 

Equity 

December 
31, 2021 
NIS millions  NIS millions 

December 
31, 2020 

1,121 

3,331 

4,452 

837 

916 

1,753 

2,699 

4,452 

899 

3,472 

4,371 

720 

1,022 

1,742 

2,629 

4,371 

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  

Salary 

Depreciation and amortization 

Total operating expenses 

Other operating expenses, net 

Operating profit (loss) 

Financing expenses (income) 

Financial expenses 

Financing income 

Financing income, net 

Profit (loss) before income taxes 

Expenses (income) before taxes on income 

Profit (loss) for the year 

For the year ended December 31 

2020 

2019 

2018 

NIS millions  NIS millions  NIS millions 

1,642 

647 

2,289 

1,346 

315 

577 

2,238 

9 

42 

23 

 )65( 

 )42( 

84 

20 

64 

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) 

120

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

31.2.  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, 2021 
NIS millions  NIS millions 

December 
31, 2020 

472 

311 

783 

409 

157 

566 

217 

783 

443 

342 

785 

432 

148 

580 

205 

785 

from 

Data 
income: 

the  statement  of 

Revenue 

Operating expenses 

For the year ended December 31 

2021 

2020 

2019 

NIS millions  NIS millions  NIS millions 

1,237 

1,271 

1,339 

Operating, general and impairment expenses  799 

Salary 

Depreciation, amortization and impairment 
expenses 
Other operating expenses, net 

237 

173 

6 

802 

248 

149 

313 

827 

261 

190 

257 

Total operating expenses 

1,215 

1,512 

1,535 

Operating profit (loss) 

Financing expenses (income) 

Financial expenses 

Financing income 

Financing expenses, net 

Profit (loss) before taxes on income 

22 

5 

)3( 

2 

20 

Expenses (income) before taxes on income  12 

Profit (loss) for the year 

8 

(241) 

(196) 

5 

(3) 

2 

(243) 

32 

(275) 

8 

(2) 

6 

(202) 

(45) 

(157) 

121

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

31.3.  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 

Equity deficit 

December 
2021 

31, 

December  31, 
2020 

NIS millions 

NIS millions 

196 

230 

426 

394 
80 

474 

 )48( 

426 

176 

248 

424 

436 
69 

505 

(81) 

424 

Data from the statement of income: 

For the year ended December 31 

2021 

2020 

2019 

NIS millions 

NIS millions 

NIS millions 

Revenue 

Operating expenses 

1,270 

1,287 

1,345 

Operating, general and impairment 
expenses  
Salary 

Depreciation, amortization and 
impairment expenses 
Other  operating  expenses  (income), 
net 
Total operating expenses 

835 

188 

203 

12 

1,238 

Operating profit (loss) 

Financing expenses (income) 

Financial expenses 

Financing income 

Financing expenses, net 

32 

4 

(3) 

1 

Profit (loss) before income taxes  31 

Expenses before income taxes 

Net profit (loss) for the year 

1 

30 

857 

203 

203 

(15) 

1,248 

39 

15 

(2) 

13 

26 

2 

24 

923 

216 

219 

42 

1,400 

(55) 

17 

(5) 

12 

(67) 

2 

(69) 

122

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to consolidated financial Statements as of December 31, 2021 

32. Subsequent events 

32.1.  On January 10, 2022, the Company exchanged Series C bonds for Series F 

bonds. For details, see Note 13.3.1. 

32.2.  On  January  23,  2022,  Bezeq  made  a  partial  early  redemption  on  its  own 
initiative of bonds (Series 9) in the amount of approximately NIS 370 million par 
value. 

32.3.  After the date of the statements, and until March 1, 2022, the date on which the 
repurchase  plan  for  the  Company's  shares  came  to  an  end,  the  Company 
acquired a total of 820,360 of the Company's shares for approximately NIS 11 
million. At the end of the acquisition plan, Searchlight holds a 61.38% interest 
and the Forer family holds a 11.62% interest of the Company's ordinary and 
issued shares. 

32.4.  Regarding the resolution by Bezeq's Board of Directors, after the date of the 
Statements, regarding the cancellation of a structural change plan in the Bezeq 
Group and regarding the alternative outline, see Note 12.1.3. 

32.5.  Regarding the resolution by Bezeq's Board of Directors dated March 22, 2022 
regarding  Bezeq's  dividend  distribution  policy  and  the  resolution  by  Bezeq's 
Board  of  Directors  to  recommend  to  the  General  Meeting  of  Bezeq 
shareholders a dividend distribution, and the Company's expected share in the 
said dividend, see Note 12.6. 

32.6.  For  details  regarding  another  acquisition  plan  approved  by  the  Company's 

Board of Directors on March 23, 2022, see Note 20.4. 

123

 
 
 
 
 
 
 
 
 
Separate Financial Information for the 
Year Ended December 31, 2021 

 
 
 
 
 
 
 
 
 
 
Separate financial information as of December 31, 2021 

Table of Contents 

Auditors' report 

Separate financial information as of December 31, 2021 

Statement on financial position  

Statement of income and comprehensive income  

Statement on cash flows  

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 
03 684 8000 

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, 2021, and 2020 and for each of the three years the 
last of which ended on December 31, 2021. 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 statements, 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  17  to  the 
Company’s consolidated financial statements, regarding claims filed against Group companies and the 
exposure in respect of which cannot be assessed or calculated at this stage.  

Somekh Chaikin 
Certified Public Accountants 

March 23, 2022 

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, 2021  

Financial position data as of December 31 

Note 

NIS millions 

NIS millions 

2021 

2020 

Assets 

Cash and cash equivalents 

Short-term investments and bank deposits 

Other receivables 

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  

3 

4 

5 

6 

7 

9 

25 

180 

14 

219 

79 

1,724 

1,803 

2,022 

7 

7 

1,999 

1,999 

55 

157 

23 

235 

160 

1,398 

1,558 

1,793 

7 

7 

1,893 

1,893 

2,006 

1,900 

16 

2,022 

 )

107

(

1,793 

Darren Glatt 
Chairman of the Board of 
Directors 

Tomer Raved 
CEO 

Itzik Tadmor 
CFO 

Date of approval of the financial statements: March 23, 2022 

The notes attached to the separate financial information form an integral part thereof.

3 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Separate financial information as of December 31, 2021  

Statement on income for the year ended December 31 

Note 

NIS millions 

NIS millions 

2021 

2020 

Operating expenses 

Salaries 

Operating and general expenses  

Total operating expenses 

Operating loss 

Financing expenses (income)  

Financing expenses 

Financing income 

Financing expenses, net 

Loss after financing expenses, net 

Share of the profit in equity accounted 
investee, net 

Profit before tax income 

Income tax 

Profit for the year  

10 

5 

8 

13 

(13 )

184 

(10 )

174 

 )

187

(

316 

129 

- 

129 

3 

8 

11 

(11 )

110 

(6)

104 

 )

115

(

265 

150 

7 

157 

Comprehensive profit for the year ended December 31 

Profit for the year 

Profit (loss) items including other, net of tax 

Total comprehensive profit for the year  

2021 

2020 

NIS millions 

NIS millions 

129 

10 

139 

157 

(3)

154 

The notes attached to the separate financial information form an integral part thereof. 

4 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to separate financial information as of December 31, 2021  

Data on cash flows for the year ended December 31 

Cash flows from operating activities 

Profit for the year 

Adjustments: 

Share of profit of equity accounted investee, net 

Financing expenses, net 

Change in trade payables and credit balances 

Change in other trade receivables 

Net cash used for operating activities 

Cash flows from investing activities 

Investment in subsidiary 

Change in deposits and investments, net 

Interest / dividend received in cash 

Net cash generated from (used in) investing activities 

Cash flows used for financing activities 

Issuance of debentures 

Repayment of debentures 

Repurchase of shares 

Interest paid 

Costs for early repayment of debentures 

Net compensation for the Horev Claim 

Net cash used for financing activities 

Decrease in cash and cash equivalents 

Cash and cash equivalents as of January 1 

Cash and cash equivalents as of December 31 

2021 

2020 

NIS millions 

NIS millions 

129 

 )316( 

174 

- 

10 

(3)

- 

66 

1 

67 

1,035 

 )

1,015

(

(16 )

(79 )

(19 )

- 

(94 )

(30) 

55 

25 

157 

 )

265

(

106 

(7)

(1)

(10 )

(40 )

(229) 

2 

 )

267

(

- 

- 

- 

(78 )

- 

(3)

(81 )

 )

358

(

413 

55 

The notes attached to the separate financial information form an integral part thereof 

5 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to separate financial information as of December 31, 2021  

1.  General 

The following are financial data from the Group's consolidated financial statements as of 
December  31,  2021  (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 2021. 

For  an  investigation  by  the  Securities  Authority  and  the  Police,  see  Note  1.3  to  the 
Consolidated Financial Statements. 

2.  Note  on  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  Financial  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. 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. 

6 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to separate financial information as of December 31, 2021  

3.  Short-term investments and deposits 

Investments in marketable securities (1) 
Short-term deposits 

(1)  The deposits are due for repayment by December 2022. 

4. 

Long-term deposits 

Long-term deposits (1) 

December 31, 

December 31, 

2021 

2020 

NIS millions 

NIS millions  

99 
81 

180 

76 
81 

157 

December 31, 

December 31, 

2021 

2020 

NIS millions 

NIS millions 

79 

79 

160 

160 

(1)  The deposits are due for repayment by December 2024. 

5.  Subsidiaries 

Subsidiaries directly held by the Company: 

Company rights 
in capital  

Investment in subsidiary  
(according to the equity method) as of 
December 31, 2020 
NIS millions 

December 31, 2021 
NIS millions 

Bezeq  

26.72% 

1,724 

1,724 

1,398 

1,398 

5.1.  On December 10, 2020, the Company acquired 10,580,000 ordinary shares of the 
subsidiary  Bezeq.  The  Company  purchased  shares  as  aforesaid  in  exchange  for 
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 free and free from any pledge, mortgage, lien, foreclosure or any other 
right  of  any  third  party,  including,  from  any  other  obligation  to  banks,  financial 
institutions and others.  

5.2.  As of October 11, 2021, all Bezeq shares held by the Company are held directly by 
the Company, after on that day all Bezeq shares held by B Communications (SP2) 
Ltd.  (a  company  wholly-owned  and  controlled  by  B  Communications)  were 
transferred  to the  direct holding  of  B  Communications (SP1)  Ltd.,  which is  wholly-
owned and controlled by the Company). Following the transfer of Bezeq’s shares to 
the Company, the companies B Communications (SP2) Ltd. and B Communications 
(SP1) Ltd. were closed. 

7 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to separate financial information as of December 31, 2021  

5.  Subsidiaries (Cont.) 

5.1.  After the date of the financial statements, on March 22 ,2022, Bezeq's Board of 
Directors  decided  to  approve  a  new  dividend  distribution  policy  for  Bezeq, 
according to which Bezeq will distribute to its shareholders, every six months, a 
cash  dividend  of  50%  of  the  semi-annual  profit  (after  tax)  according  to  Bezeq's 
consolidated financial statements. This is starting from the next distribution (for the 
second  half  of  2021).  The  implementation  of  the  dividend  distribution  policy  is 
subject to the provisions of any law, including the distribution tests set forth in the 
Companies Law, all taking into account the expected cash flow, Bezeq needs and 
liabilities,  Bezeq's  cash  balances,  plans  and  position  as  from  time  to  time,  and 
subject to the approval of the general meeting of Bezeq's shareholders regarding 
any specific distribution, as provided in Bezeq's Articles of Association. 

The approval  of  Bezeq's  dividend  policy  does not  obligate  Bezeq  to distribute a 
dividend to Bezeq's shareholders, and any specific distribution will be examined in 
accordance with the terms of implementation of the dividend distribution policy as 
stated above. In addition, the approval of the policy as aforesaid does not prevent 
Bezeq's  Board  of  Directors  from  periodically  reviewing  the  policy  of  distributing 
dividends to Bezeq shareholders, taking into account, inter alia, the provisions of 
the law, Bezeq's business situation and its capital structure and balance, the level 
of  debt  and  its  credit  rating,  and  the  ongoing  maximization  of  value  to  Bezeq's 
shareholders through the distribution of current dividends. 

Bezeq's Board of Directors considers it important to maintain the balance between 
ensuring Bezeq's financial strength and stability, while maintaining Bezeq's current 
rating group [AA] over time and continuing to maximize value for its shareholders 
through regular dividend distribution. 

Bezeq's Board of Directors was presented with, among other things, analysis and 
results  of  professional  work  as  performed  by  Professor  Aharon  (Roni)  Ofer, 
Bezeq's  and  the  Bezeq  Group's  forecasts,  as  well  as  sensitivity  analyzes  for 
unforeseen deterioration in Bezeq's and Bezeq Group businesses. After Bezeq's 
Board of Directors examined all of the above, the Board of Directors determined 
that this resolution reflects the correct balance between these needs as described 
above. 

5.2.  On March 22, 2022, following the resolution regarding Bezeq's dividend distribution 
policy as detailed above, Bezeq's Board of Directors decided to recommend to the 
general meeting  of  Bezeq's  shareholders to  distribute a cash  dividend to Bezeq 
shareholders in the total amount of NIS 240 million. As of the date of approval of 
the  statements,  the  said  dividend  has  not  yet  been  approved  by  the  general 
meeting of Bezeq's shareholders. The Company's expected share in the dividend 
to  be  distributed  by  Bezeq,  subject  to  the  approval  of  the  general  meeting  of 
Bezeq's shareholders, is approximately NIS 64 million. 

8 

 
 
 
 
 
 
 
 
 
 
Notes to separate financial information as of December 31, 2021  

6.  Trade and other payables   

Trade payables 

Interest payable 

7.  Debentures 

December 31, 

December 31, 

2021 

2020 

NIS millions 

NIS millions 

1 

6 

7 

1 

6 

7 

Debentures issued to the public: 
Series C debentures 
Series D debentures 
Series E debentures 
Series F debentures 
Total debentures 

December 31, 2021 

December 31, 2020 

Balance  
in books 

Face value 

Balance  
in books 

Face value 

NIS millions 

NIS millions 

NIS millions 

NIS millions 

951 
- 
- 
1,035 
1,986 

1,010 
- 
- 
1,040 
2,050 

1,739 
54 
100 
- 
1,893 

1,878 
58 
100 
- 
2,036 

On  September  17,  2020,  the  meetings  of  the  holders  of  the  Company’s  debentures 
(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  debentures  (Series  D)  and  the  debentures 
(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  debentures  (Series  E)  are  in 
circulation). 

b)  After the full repayment of the debt in respect of the debentures (Series D) 
and the debentures (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 
debentures (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  debentures  (Series  C)  and  the  payment  of  the  first  principal  in 
respect of the debentures from the new series as aforesaid will be only after 
full repayment of the debentures (Series C). 

9 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to separate financial information as of December 31, 2021  

In addition, the amount of early repayment to be paid to the bondholders in the event 
of  early  repayment  of  the  debentures  by  the  Company  has  been  amended  as 
follows:  

In relation to the debentures (Series C) - in the case of a partial early repayment of 
the debentures (Series C), the price of the partial early repayment will be the highest 
of the par value of the debentures (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  debentures  according  to  the  price  of  the 
debentures  on  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 debentures (Series E). 

On  July  6,  2021,  the  Company  held  a  tender  for  the  purchase  of  Series  F 
debentures, in the framework of which approximately NIS 394 million par value was 
issued to institutional entities and the public in exchange for approximately NIS 394 
million from Series F. The annual interest rate (unlinked) determined in the tender is 
3.65%.  The  interest  on  the  Series  F  debentures  will  be  paid  in  two  semi-annual 
installments  on  May  31  and  November  30  of  each  year  from  November  2021  to 
November 2026. The bond principal will be repaid in one installment on November 
30, 2026. The Company used the net consideration from the issuance of Series F 
debentures to make early repayments of its existing debentures as of the same date 
as detailed below. 

On  July  19,  2021,  the  Company  made  a  full  early  repayment  of  the  Series  D 
debentures  principal  (plus  accrued  interest  up  to  the  due  date)  and  a  full  early 
repayment  of  the  Series  E  debentures  principal  (plus  accrued  interest  up  to  the 
maturity date and an early repayment penalty as defined in the series of series E). 
In addition, the Company made a partial early repayment of approximately NIS 226 
million in respect of the Series C  debentures (plus accrued interest up to the due 
date).  Following  the  early  repayments,  Series  D  and  E  were  repaid  in  full  and 
delisted from trading on the Tel Aviv Stock Exchange. 

On  December  7,  2021,  the  Company  issued  to  institutions  and  the  public 
approximately  NIS  485  million  in  Series  F  debentures  for  approximately  NIS  488 
million in Series E. The Company used the net consideration from the issuance of 
Series F debentures to make a partial early repayment of approx. NIS 471 million in 
respect of its existing Series C debentures for that date (plus accrued interest up to 
the  due  date  and  an  early  repayment  penalty  as  defined  in  the  trust  deed  of  the 
Series C debentures). 

On December 9, 2021, the Company held a private placement of approximately NIS 
161 million in Series F debentures for approximately NIS 161 million. The Company 
used  the  net  consideration  from  the  issuance  of  Series  F  debentures  to  make  a 
partial  early  repayment  of  approximately  NIS  157  million  in  respect  of  Series  C 
debentures existing on that date (plus accrued interest up to the due date and an 
early repayment penalty as defined in the trust deed of the C series debentures). 

On  January  10,  2022,  the  Company  exchanged  approximately  NIS  417  million  in 
Series C debentures for approximately NIS 432 million in Series F debentures. 

For further details, see Note 13 to the Consolidated Financial Statements. 

10 

 
 
 
 
 
 
 
 
 
 
Notes to separate financial information as of December 31, 2021  

8.  Contingent liabilities  

8.1.  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 debentures 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. 

8.2.  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. 

8.3.  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. 

8.4.  In  June  2017,  two  motions  for  approval  of  a  class  action  lawsuit  totaling 
approximately  NIS  1.8  billion  were  filed  against  Bezeq,  Group  officers  and 
companies from the then controlling group in Bezeq regarding the purchase of DBS 
shares by Bezeq from Eurocom. In accordance with a court decision, the filing of 
a unified motion is expected to replace these two motions. The said procedure was 
stayed at the request of the Attorney General several times, while as of this date, 
the procedure was delayed until July 2022. 

8.5.  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 

11 

 
 
 
 
 
 
Notes to separate financial information as of December 31, 2021  

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 July 2021 the respondents filed a response alleging that the motion for approval 
was unfounded, inter alia, due to the fact that the information alleged in the motion 
for  approval  as  required  for  publication  did  not  meet  the  statutory  standards  for 
establishing  reporting  obligation  and  was  accompanied  by  an  arrangement 
procedure and professional consultants and supervised by the Board of Directors, 
and  therefore  all  appropriate  measures  have  been  taken  to  comply  with  the 
provisions of the law and that these findings contradict the applicant's contention. 
In December 2021 the Company filed a motion for in limine dismissal of the motion 
for approval against it, inter alia, because the motion for approval does not specify 
claims  against  the  Company,  and  because  for  most  of  the  relevant  period  the 
Company was a dual company, so the law applicable to it is US law, and because 
the motion is not supported by an opinion of an expert on foreign law.  After several 
instances for responses and holding a pre-trial hearing in February 2022, a decision 
was made in which the parties were asked to update whether they wished to hold 
a  mediation,  an  additional  preliminary  hearing  or  to  coordinate  a  hearing.  The 
parties  have  announced  that  they  are  working  to  coordinate  deadlines  for 
evidentiary hearings. At this stage, in the opinion of the Company's legal counsel, 
the  chances  of  the  claim  being  dismissed  are  higher  than  its  chances  of 
acceptance. 

8.6.  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. 

8.7.  In January 2021, the Company submitted a motion for  in limine dismissal of the 
motion for approval and a motion for extension. In April 2021, a hearing was held 
on the motion for dismissal, in which it was determined that only after a date has 
been set for the hearing of the request for disclosure of documents, a date will be 
set for submitting answers to the request and another hearing will be scheduled. 
As of this date, a hearing for the disclosure of documents is scheduled for April 
2022 and a date for a hearing is expected to be scheduled for May 2022. In the 
opinion of the Company's legal counsel, at this early stage, in which claims have 
not yet been filed on behalf of the Company, they are unable to assess the chances 
of acceptance of the motion for approval. 

12 

 
 
 
 
 
Notes to separate financial information as of December 31, 2021  

9.  Equity 

Ordinary shares 0.1 NIS par value each 

Issued and paid-up capital as of January 1 

Purchase of treasury shares 

Issued and paid-up capital as of December 31 

Registered capital as of December 31 

Number of ordinary shares 

2021 

2020 

116,316,563 
(1,457,573) 

116,316,563 
- 

114,858,990 

116,316,563 

300,000,000 

150,000,000 

* As of December 31, 2021, 1,476,803 of the Company's shares are held as treasury 
shares. 

9.1.  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 
respect  of  the  options  granted  to  the  CEO  in  the  years  2020  and  2021,  and 
amounted to approx. NIS 280K in each of the years. 

9.2.  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). 

9.3.  On March 31, 2021, the General Meeting of the Company approved the increase 
of the registered share capital of the Company so that after the said increase of 
registered capital, the registered capital of the Company will be NIS 30,000,000, 
divided  into  300,000,000  ordinary  shares  of  NIS  0.1  each,  and  accordingly,  an 
amendment to the Company's Articles of Association was approved. 

9.4.  On  November  30,  2021,  the  Company's  Board  of  Directors  approved  the 
repurchase of its shares in the amount of up to NIS 30 million from December 1, 
2021  until: (1) the  purchase  of  shares  of the  Company  in  the  amount  of  NIS  30 
million; Or (2) March 1, 2022, whichever is earlier. 

13 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes to separate financial information as of December 31, 2021  

9.5.  On March 23, 2022, the Company's Board of Directors approved the repurchase 
of its shares in the amount of up to NIS 20 million from March 24, 2022 until: (1) 
the purchase of shares of the Company in the amount of NIS 20 million; Or (2) May 
12, 2022, whichever is earlier. 

10.  Note on taxes on income 

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. 

11.  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, 2021): 

Book 
value 

7 
1,986 
1,993 

December 31, 2021 

Contractual 

cash flow  H1/2022  H2/2022 

2023 

2024-2026 

NIS millions 

7 
2,351 
2,358 

7 
32 
39 

- 
39 
39 

- 
77 
77 

- 
2,203 
2,203 

Non-derivative financial liabilities 
Trade and other payables  
Debentures  
Total 

12.  Events during the reporting period and subsequent events 

12.1. On January 10, 2022, the Company exchanged Series C debentures for Series F 
debentures. For further information, see Note 13.3.1 in the consolidated financial 
statements. 

12.2. After  the  date  of  the  financial  statements,  and  until  March  1,  2022,  the  date  on 
which  the  repurchase  plan  for  the  Company's  shares  came  to  an  end,  the 
Company acquired a total of 820,360 of the Company's shares for approximately 
NIS  11  million.  At  the  end  of  the  acquisition  plan,  Searchlight  holds  a  61.38% 
interest and the Forer family holds a 11.62% interest of the Company's ordinary 
and issued shares. 

12.3. For  details  on  another  acquisition  plan  approved  by  the  Company's  Board  of 

Directors on March 23, 2022, see Note 9.5. 

12.4. Regarding  the  decision  of  Bezeq's  Board  of  Directors  dated  March  22,  2022 
regarding Bezeq's dividend distribution policy and the decision of Bezeq's Board 
of  Directors  to  recommend  to  the  General  Meeting  of  Bezeq  shareholders  a 
dividend distribution, and the Company's expected share in the said dividend, see 
Notes 5.3 and 5.4. 

14 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

Chapter IV 

Additional Details about the Corporation 
and Corporate Governance Questionnaire 

for the Period ended December 31, 2021 

- 1-

  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

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.  

Regulation 10c: Use of proceeds from securities  
On July 6, 2021, the Company held a tender for the purchase of Series F debentures, in 
the  framework  of  which  approximately  NIS  394  million  were  issued  to  institutional 
entities and the public in exchange for NIS 394 million from Series  F. The Company 
used the net proceeds of the issue of the Series F debentures to make early repayments 
of its existing debentures for that date. 

In accordance with  the shelf offer report published by the Company on  December  5, 
2021, the Company issued to institutions and the public approximately NIS 485 million 
in exchange for approximately NIS 488 million from Series F. The Company used the 
net proceeds of the issue of the Series F debentures to make a partial early redemption 
of approximately NIS 471 million in respect of its existing Series C debentures at that 
date. 

On December 9, 2021, the Company held a private placement of approximately NIS 161 
million in Series F debentures for approximately NIS 161 million. The Company used 
the net proceeds of the issue of the Series F debentures to make a partial early repayment 
of approximately NIS 157 million par value in respect of its existing Series C debentures 
for that date (plus accrued interest for the due date and an early repayment penalty as 
defined in the trust deed of the Series C debentures). 

For  further  details  regarding  the  Company's  debentures  in  the  year  of  the  report,  see 
Regulation 20 below.. 

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% 

1,724 

Regulation 12: Changes in investments in subsidiaries during the reported period 
There were no changes in investments in the subsidiaries during the reporting period. 

Regulation 13: Revenue of subsidiaries and revenue of the corporation therefrom 
as of the date of the statement of financial position (NIS millions)  

Company name 

Profit for the period  Comprehensive 

Dividend  Management 

fee  

Interest 
revenue  

Bezeq 

NIS 796 million 

profit for the 
period 
NIS 1,219 million 

- 2-

  
 
 
 
 
 
 
 
 
 
 
 
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

Regulation 20: Trading on the stock exchange  
To  the  best  of  the  Company's  knowledge,  during  the  reporting  period,  there  was  no 
cessation of trading in the Company's securities listed for trading. 

On July 6, 2021, the Company held a tender for the purchase of Series F debentures, in 
the  framework  of  which  approximately  NIS  394  million  were  issued  to  institutional 
entities and the public in exchange for NIS 394 million from Series F. The Company 
used the net proceeds of the issue of the Series F debentures to make early repayments 
of its existing debentures for that date. 

On July 19, 2021, the Company made a full early repayment of the Series D debentures 
principal (plus accrued interest as of the repayment date) and a full early repayment of 
the Series E debentures principal (plus accrued interest as of the repayment date and an 
early repayment penalty as defined in the trust deed of Series E debentures). In addition, 
the  Company  made  a  partial  early  repayment  of  approximately  NIS  226  million  in 
respect  of  the  Series  C  debentures  (plus  accrued  interest  as  of  the  repayment  date). 
Following the early repayments, Series D and E were repaid in full and delisted from 
trading on the Tel Aviv Stock Exchange. 

On December 7, 2021, the Company issued to institutions and the public approximately 
NIS 485 million in Series F debentures in exchange for NIS 488 million in Series F. The 
Company used the net proceeds of the issue of the Series F debentures to make a partial 
early repayment of approx. NIS 471 million in respect of its existing Series C debentures 
for  that  date  (plus  accrued  interest  as  of  the  repayment  date  and  an  early  repayment 
penalty as defined in the series of debentures of the Series C debentures). 

On December 9, 2021, the Company held a private placement of approximately NIS 161 
million in Series F debentures for approximately NIS 161 million. NIS in respect of its 
existing Series C debentures for that date (plus accrued interest for the repayment date 
and an early repayment penalty as defined in the trust deed of Series C debentures). 

As of December 31, 2021, approximately NIS 39 million is deposited in the trust accounts 
for the benefit of the holders of Series C and F debentures. 

As of December 31, 2021, the nominal value of Series C debentures that are not held by 
the Company is NIS 1,010 million and the nominal value of Series F debentures that are 
not held by the Company is NIS 1,040 million. 

On January 10, 2022, the Company exchanged approximately NIS 417 million in Series 
C debentures for approximately NIS 432 million in Series F debentures. 

Regulation 21: Remuneration for related parties and senior officers 
The following is a breakdown of the remuneration for 2021, as recognized in the 2021 
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  2021  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. 

- 3-

  
 
 
 
 
 
 
 
 
 
 
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

Details of remunerated persons 

Remuneration (NIS thousands) 

Total 
(NIS 
thousands) 

Section 
below 

Name 

Position 

Sex 

Tomer Raved3 

Itzik Tadmor 

Ilan Chaikin 

Dudu Mizrahi 

Ran Guron 

CEO 

CFO 

Male 

Male 

Internal auditor  Male 
Male 

Bezeq CEO 

Pelephone, 
Bezeq 
International and 
DBS CEO 

Male 

Directors 

Director 

Holding 
rate in 
the 
corporati
on’s 
equity 

- 

- 

- 

- 

- 

- 

Job 
volu
me 

Full-
time 
Full-
time 
Full-
time 
Full-
time 

Full-
time 

Full-
time 

Salary1  Bonus2 

Share-
based 
payment 

mther 
(Manag
ement 
fee) 

Total 

1,449 

2,3434 

280 

2905 

4,362 

642 

84 

208 

- 

- 

- 

2,469 

2,599 

3,975 

2,472 

2,838 

3,975 

802 

- 

- 

- 

- 

- 

- 

- 

850 

84 

9,043 

,9285 

802 

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 employee-
employer 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 in Bezeq, 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 

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 2021 
statements and include a performance-dependant bonus as well as special bonuses (for details regarding 
each of the officers see details in sections A-E after the table below in Bezeq’s report), all in accordance 
with Bezeq’s remuneration policy. The performance-dependent bonus that appears in the table is for the 
year 2021 (not yet paid to senior executives 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 the above officers for 2020, the amount of which 
[including a contingent portion not paid in practice in 2021, but paid in practice in 2022 (if any)] is included 
in the corresponding table in Bezeq’s annual statements for 2020 (as published on March 25, 2021). 
3 Tomer Raved, CEO of the company served as a director of the company until November 29, 2021. 
4 This amount reflects a grant given to Mr. Tomer Raved, the Company's CEO for the year 2020 and 
for the year 2021. 
5 This is a remuneration given to Mr. Tomer Raved, the Company's CEO, for his pffice as a director in 
Bezeq and for his office as a director in the Company until the date of his resignation from being a 
director in the Company on November 29, 2021 . 

- 4-

  
 
 
 
 
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

accordance with Bezeq’s classification at the relevant time.  

In addition, Mr. Raved will be entitled to be included in the liability insurance  for directors 
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. 

Following  the  immediate  report  published  by  the  Company  on  November  11,  2021 
regarding the results of a General Meeting of the Company's shareholders in which it was 
decided not to approve the granting of an annual grant for 2020 and for 2021 (in this section: 
"the Special Grant") to the Company's CEO, Mr. Tomer Raved. On November 29, 2021, 
the Company's Board of Directors decided to reconsider the Special Grant, and in light of 
the recommendation of the Company's Remuneration Committee, the Company's Board of 
Directors decided to approve the grant of the Special Grant  in the Company's maximum 
annual grant amount (i.e., 12 monthly salaries) for each of the years 2020 and 2021, and 
in a total amount of NIS 2,343,600 (NIS 1,171,800 for each of the years). 

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 2021, Mr. Chaikin’s fee amounted to 
approximately  NIS  84K.  For  further  details,  see  Section  2.5  of  the  Company's  Board  of 
Directors' report as of December 31, 2021, in Chapter B of the 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 approx. NIS 150,000, linked to the CPI. 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 2021 as Bezeq's CEO were set in advance by Bezeq's Board 
of Directors in December 2020, following the approval of Bezeq's Remuneration Committee 
and  included:  Adjusted  EBITDA  target6  for  Bezeq  (Solo)  weighing  50%  in  the  bonus 
calculation; Profit after tax target of Bezeq (solo) weighing 25%; And Coordinated Free Flow 
Target (FCF)7 for Bezeq (Solo) weighing 25%. The threshold conditions for the bonus were 
that the Adjusted EBITDA results for 2021 – (NIS 2,512.1 million) would not decrease by 

6 Adjusted EBITDA for the purpose of determining remuneration - calculated as EBITDA minus other operating 
expenses / revenue (net), losses / gains from impairment / increase in value (including losses from ongoing 
impairment), effects of the implementation of International Financial Reporting Standard IFRS16 "Leases" and 
expenses on share-based payments. 
7 Adjusted Free Cash Flow (FCF) - Calculated as cash arising from current activities minus cash for the purchase / 
sale of property, plant and equipment and intangible assets (net), and minus leasing payments. 

- 5-

  
 
 
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

more  than  40%  from  the  Adjusted  EBITDA  results  in  2020  (NIS  2,563.0  million).  This 
condition was met. The rate of Bezeq's CEO's compliance with the set of bonus targets for 
2021 was approximately 118.5%. 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 2021 only in 2023 
(after  the  date  of  approval  of  the  2022  statements)  and  only  if  the  minimum  adjusted 
EBITDA  target  for  Bezeq  (Solo)  is  achieved  in  relation  to  the  2022  budget.  It  should  be 
noted that after the year of the report, Mr. Dudu Mizrahi was approved, in accordance with 
Bezeq's Remuneration Policy, a special grant conditional on targets of up to 4 gross monthly 
salaries for the year 2021, which included: A target for deployment of fiber infrastructure 
(households) weighing 25%; A target for joining fiber customers weighing 25% and a target 
scope for the financial impact of reducing telephony rates on the year 2021, which weighs 
50%. The rate of Bezeq's CEO's compliance with the set of special grant targets for 2021 
was approximately 75% and, accordingly, the amount of the special grant is approximately 
NIS 450,000 (included in the table above in the grant component for 2021). 

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 employees and the report of a material 
private  offer  dated  January  14,  2021  (reference:  2021-01-006340).  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: Pelephone, Bezeq International and DBS (in this section, collectively: 
"the Subsidiaries"), amounts to a total of of approx.NIS 150,000, linked to the CPI. The 
contract is for an unlimited period, with each party entitled to bring it to an end at any time, 
with 6 months' prior notice by either party. 

Mr. Guron's bonus targets  for 2021 as CEO of the  Subsidiaries were set  in  advance by 
Bezeq's Board of Directors in December 2020, after  approval by Bezeq's Remuneration 
Committee and the boards of directors in the Subsidiaries, and included: Adjusted EBITDA 
target8  for  the  subsidiaries  weighing  60%  in  the  bonus  calculation;  EBITDA  minus 
coordinated CAPEX target for subsidiaries (CAPEX in cash terms) weighing 15%; Adjusted 
EBITDA target by company - a combined target weighing 15%9; And a manager evaluation 
target  weighing  10%10.  The  threshold  condition  for  receiving  the  bonus  was  that  the 
Adjusted EBITDA results for the Subsidiaries for 2021 (NIS 799 million) would not decrease 
by  more  than  40%  from  the  Adjusted  EBITDA  results  in  2020  (NIS  697  million)  -  this 
condition was met. The rate of compliance of the CEO of the Subsidiaries with the set of 
bonus targets for 2021 was approximately 123.4%. Accordingly, the bonus to be granted 
to the CEO of the subsidiaries for the year  2021 is  approximately 123.4%  of  his annual 
salary.  Mr.  Ran  Guron  will  be  entitled  to  40%  of  the  bonus  for  meeting  the  weighted 
Adjusted  EBITDA  target  in  2021  only  in  2023  (after  the  date  of  approval  of  the  2022 
statements) and only if the minimum  Adjusted EBITDA target set in relation to the 2022 

8 Adjusted EBITDA for the purpose of determining remuneration - calculated as EBITDA minus other operating 
expenses / revenue (net), losses / gains from impairment / increase in value (including losses from ongoing 
impairment), effects of the implementation of International Financial Reporting Standard IFRS16 "Leases" and 
expenses for share-based payments. 
9 Pelephone 40%, DBS 30%, Bezeq International 30%. 
10 See Footnote 8 above 

- 6-

  
 
 
 
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

budget year 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 in respect of the cumulative savings in 2019-2021 in the amount of NIS 603.6k 
(included  in  the  table  above  in  the  bonus  component  for  2021).  This  is  due  to  the 
implementation of the synergy and streamlining plan - an exceptional, unusual and very 
significant event involving an investment of exceptional effort by the CEO of the  material 
Subsidiaries,  bringing  significant  savings  in  expenses  and  value  to  the  Group  and 
preserving the CEO of the Subsidiaries as a key player in the companies. 

* In light of the correction of the error in Bezeq International's 2019 statements, there has 
been  a change in the  rates of meeting the targets for the annual  bonus to Mr. Guron in 
respect of 2019. 

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 employees and the report of a substantial private offer dated  January 
14,  2021  (reference:  2021-01-006340).  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  2021,    remuneration  was  paid  to  the  directors  of  the 
Company in accordance with the Remuneration Regulations in the amount of NIS 802K. 

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.11  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 

11 As of October 11, 2021, and in accordance with the amendment to the control permit signed on August 22, 
2021, 738,953,713 of Bezeq’s shares are held directly by the Company, after on that day all the Company's shares 
held by B. Communications (SP2) Ltd. (a company wholly owned and controlled by B Communications (SP1) 
Ltd. which is wholly owned and controlled by the Company) were transferred to the Company for direct holding. 
Following the transfer of Bezeq’s shares to the Company, the companies B Communications (SP2) Ltd. and B 
Communications (SP1) Ltd. were closed. 

- 7-

  
 
 
 
 
 
 
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

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 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 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. 

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  Bezeq’s  neglibility  procedure,  see  Note  29  to  the 
statements. 

Regulation 24: Holdings of related parties and senior executives 
As of the date of the report, holdings of related parties and senior officers in the Company are 
as set forth below: 

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 

2,297,163 

- 

61.38% 

11.62% 

- 

- 

59.97% 

11.35% 

2.29% 

- 

Regulation 24a: Registered capital, issued capital and convertible securities 
The  registered  equity  of  the  Company  as  of  the  date  of  publication  of  the  periodic  report  is 
300,000,000  ordinary  shares  of  NIS  0.1  par  value  each  ("Ordinary  Shares").  For  details 
regarding  the  approval  of  the  Company’s  General  Meeting  to  increase  the  Company's 
registered equity, see the  immediate report dated March 31, 2021 (Reference  No. 2021-01-
052569). 

The issued  and paid-up equity of the Company, as of the date of publication  of  the periodic 
report,  is  114,038,630  Ordinary  Shares  (excluding  2,297,163  Ordinary  Shares  held  by  the 
Company which are dormant). 

- 8-

  
 
 
 
 
 
 
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

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. 

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.

- 9-

  
 
 
 
 
 
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

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 

Efrat Duvdevani 

Ajit V. Pai 

Efrat Makov 

Stephen Joseph 

Chairman 

549871770  (foreign 

HP037044  (foreign 

066522772 

23824873 

536841734

023044365 

551988678 

(foreign 

passport) 

passport) 

passport) 

(Foreign passport) 

Date of birth 

November 18, 1975  September 

13, 

September 2, 1984 

JUNE 10, 1968 

January 10, 1973 

June 17, 1968 

April 10, 1980 

1985 

Address  for  the 
service  of  court 
documents 

Citizenship 

Education 

144 

Menachem 

144 

Menachem 

2 Haysur St., Ramat 

48  Hanasi  Ben  Zvi 

144 

Menachem 

118  HaTamar  Road, 

144 Menachem Begin 

Begin  Road,  Tel 

Begin  Road,  Tel 

Hasharon  

St., Herzliya 

Begin Road, Tel Aviv 

Moshav 

Ben 

Road,  Tel  Aviv  (at  B. 

Aviv 

(at 

B. 

Aviv 

(at 

B. 

Communications) 

Communications) 

(at 

B. 

Shemen, 73115 

Communications) 

Communications) 

American 

Canadian 

Israeli 

Israeli 

American 

Israeli 

British 

BACCY,  George 

MBA  Richard  Ivey 

Degree  in  Law,  IDC 

Degree 

in 

BA,  Social  Studies, 

B.A. 

In  Economics 

BSc  in  Business  and 

Washington 

School  of  Business 

Herzliya,  B.A. 

in 

International 

Harvard University; 

and Accounting from 

Financial  Economics 

University 

MBA, 

at  the  University  of 

Management, 

IDC 

Relations 

and 

Tel Aviv University. 

from 

Leeds 

Harvard  Business 

Western Ontario. 

Herzliya,LL.M. 

English, The Hebrew 

School 

Commercial 

Law 

University; Degree in 

(cum laude), Tel Aviv 

Public 

Policy 

- 

University, 

M.Sc. 

Management 

and 

J.D  Law  Studies, 

University 

of 

Chicago Law School 

University, KPMG. 

- 10-

  
 
 
 
 
 
 
  
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

General 

Finance,  Tel  Aviv 

Management, 

University 

Stanford  University, 

Semester  in  Law  at 

Berkeley University 

Occupation 
the  past 
years  

for 
five 

Partner 

in 

the 

Partner 

in 

VP 

of  Business 

CEO  of  the  Peres 

Partner 

in 

Jewelry 

Designer 

CFO  and  VP  of 

Searchlight  Capital 

Searchlight  Capital 

Development  at  the 

Center 

for  Peace 

Searchlight  Capital 

(Independent 

Operations  at  Ocean 

Partners  and  head 

Partners. Director in 

Neopharm  Group, 

and Innovation. 

Partners. 

Business). 

Outdoor  Group  (LSE: 

of 

investments 

in 

TouchTunes, 

Business 

infrastructure, 

Roots, 

Care 

Development 

communications, 

Advantage 

Manager  at  Celgene 

media 

and 

Corporation. 

technology. 

Deputy 

Director, 

Director  in  Bezeq, 

Bezeq 

All 

Points 

Broadband,  Adams 

Outdoor 

Advertising. 

Previously,  he  was 

also a director at the 

following 

companies: 

Rackspace, Charter 

Communication, 

- 11-

Chairman of the FCC 

Director 

in 

the 

OOUT). 

Outdoor 

media and advertising 

FCC Commissioner 

following companies: 

company. 

  BioLight 

Life 

Sciences Ltd. (2011-

2020); 

Anchiano 

Therapeutics 

Ltd. 

(2018-2020); 

Kamada  Ltd.  (2018-

2019);  iSPAC  1  Ltd. 

(2021-present);  Allot 

Ltd. 

(2021-present) 

iSPAC  1  Ltd;  Allot 

Ltd. 

  
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

Ocean 

Outdoor, 

160over90, 

MediaMath, Charter 

Communications, 

PatientPoint, 

Veritable Maritime 

Bezeq, All Points 
Broadband, 
Adams Outdoor 
Advertising 

Serves  as  a 
director  in  other 
corporations 

Octave Group, 

Bezeq, LessTests 

Future Initiatives, 

Roots Corporation, 
Care Advantage 

Special Olympics. 

- 12-

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,  

Media 
Limited 

Agencies 

Outdoor 

Outdoor 

Media 

  
 
 
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

Has  accounting 
and 
financial 
expertise 

Is the director an 
employee  of  the 
corporation,  of 
its  subsidiary,  of 
affiliated 
its 
company or  of  a 
stakeholder 
therein 

Yes 

Yes 

Yes 

Yes 

Yes 

Yes 

Yes, see details of 

Yes, see details of 

Yes, the director 

No 

Yes,  see  details  of 

No 

occupation in the 

occupation in the 

serves as VP of 

last five years. 

last five years. 

Business 

occupation in the last 

five years. 

Development of the 

Neopharm Group, 

whose controlling 

shareholders, David 

and Michal Forer, 

are also controlling 

shareholders of TNR 

- 13-

Gudfar& son AB,  
Visual  Art  &  Global 
Agencies 
Sweden 
AB,  
Visual 
Art 
International  Holding 
AB,  
Visual  Art  Sweden 
AB,  
Visual  Art  Sweden 
Holding AB,  
Visual  Art  Denmark 
City Reklame A/S,  

Visual Art Norway AS. 

Yes 

No 

  
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

Is  the  director  a 
family  member 
another 
of 
stakeholder 
in 
the corporation 

Membership in a 
or 
committee 
committees 
of 
the  Board  of 
Directors 

Investments Ltd., 

which owns the joint 

controlling interest in 

the Company. 

No 

No 

Yes, the director 

No 

No 

No 

No 

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 owns the 

joint controlling 

interest in the 

Company. 

No 

No 

No 

The Committee for 

No 

The  Committee  for 

The  Committee 

for 

the Examination of 

Financial 

Statements; The 

Audit Committee; 

- 14-

the  Examination  of 

the  Examination  of 

Financial 

Financial  Statements; 

Statements; 

The 

The Audit Committee; 

Audit 

Committee; 

Remuneration 

  
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

No 

No 

No 

Is this member of 
the  Board  of 
Directors 
an 
outside director 

Remuneration 

Committee; 
Yes 

Does 

the 

No 

No 

No 

Yes 

Remuneration 

Committee; 

Committee; 

Yes 

No 

Yes 

Yes 

No 

No 

Company 

see 

the  director  as 

an 

independent 

director 

- 15-

  
 
 
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

b.  Directors who served in the year of the report but ended their office before the date 

of publication of the report: 

During  the  reporting  year,  the  directors  Tomer  Raved  and  Michael  Clare  served  in  the 
Company until November 29, 2021 and December 8, 2021 (respectively). 

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 

Ilan Chaikin 

Role in the Company, 
subsidiary, affiliate or 
related party 
Date of birth 

Education 

Chief Financial 
Officer 

CEO of the 
Company  

Internal Auditor 

February 14, 
1980 
BA in 
Accounting and 
Economics, Tel 
Aviv University. 

MBA in 
Business 
Administration, 
Tel Aviv 
University. 

April 18, 1985 

Double major in 
Law and 
Economics from 
the Tel Aviv 
University; MBA 
- NYU Stern 
School of 
Business 

November 21, 
1954 
Bachelor's 
degree in 
Economics and 
Accounting, Tel 
Aviv University. 

Main occupations in the 
last 5 years and a list of 
the corporations in 
which he serves as a 
director 

CFO of B 
Communications 
Ltd. and Internet 
Gold Lines - 
Gold Ltd. 

The Company's 
CEO and 
director in 
Bezeq. 

Managing 
partner at CPA 
Chaikin Cohen 
Rubin & Co. 

Director and Vice 
President of the 
Telecom and 
Technology 
Group at RBC 
Investment Bank 
in New York. 

No 

No 

No 

Is he a related party in 
the Company or a family 
member of another 
senior official or of 
another related party in 
the Company 

Regulation 27: Independent authorized signatory 
The  Company's  CEO,  Mr.  Tomer  Raved,  is  an  independent  signatory  authorized  by  the 
Company, as this is term defined in the law. 
Without derogating from the above, for the purpose of making money transfers in any amount 
from the Company's accounts in banks,  the signatures of Mr. Tomer Raved, the Company's 
CEO, and Mr. Itzik Tadmor, the Company's CFO, are required. 

- 16-

  
 
 
 
 
 
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

Regulation 27: The accountant of the corporation  
Somekh Chaikin, CPA 
Address: 17 HaArbaa St.,, KPMG Millennium Tower, Tel Aviv 6473917 
Tel: 03-6848000 

Regulation 28: Amendment of the Company's Articles of Association 
On March 3, 2021, the shareholders' meeting of the Company approved the increase of the 
registered share equity of the Company, so that the registered equity of the Company after 
the approval of the meeting was increased to NIS 30,000,000 divided into 300,000,000 
ordinary shares of NIS 0.1 each, and amending the Company's Articles of Association so that 
they reflect the increase in registered equity as aforesaid. 

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) 
Regarding exceptional transactions, see Note 29 to the financial statements. 

A.  On  November  29,  2021,  the  Company's  Board  of  Directors  approved  a  plan  to 
repurchase the Company's shares in the amount of up to NIS 30 million, which begins 
on December 1, 2021 and ends: (1) upon repurchase in the amount of NIS 30 million; 
Or (2) on March 1, 2022, whichever is earlier. As of the date of the report, in accordance 
with the said repurchase plan, the Company purchased shares in the total amount of 
approximately  NIS  27  million.  For  further  details,  see  the  Company's  report  dated 
November 30, 2021 (Ref. No.: 2021-01-104413), which is generally presented in this 
report by way of reference. 

B.  Liability Insurance of Directors and Officers - On November 29, 2021, the Company's 
Board of Directors approved (after the approval by the Debt Remuneration Committee), 
in  accordance  with  Regulation  1B1  of  the  Companies  Regulations  (Easements  in 
Transactions with Related Parties), 5760-2000, the engagement in a liability insurance 
policy of directors and officers of the Company, in relation to all directors and officers 
of the Company, including officers who are the controlling shareholders and including 
the CEO, for a period beginning on December 2, 2021, and ending on December 1, 
2022.  For  further  details,  see  the  Company's  report  dated  November  30,  2021 
(Reference No.: 2021-01-104446), which is presented in this report in general by way 
of reference. 

C.  For details regarding the repayment of the Company's debentures, see Regulation 20 

above. 

Regulation 29 (c): Resolutions of a special general meeting  
a.  Approval of the increase of the registered share equity of the Company and amendment of 

the Company's Articles of Association (March 3, 2021) 

b.  Approval  of a grant program for  the Company's CEO, Mr.  Tomer Raved (November  11, 

2021); 

c.  Non-approval of the payment of an annual grant to the Company's CEO, Mr. Tomer Raved, 
for the year 2020 and for the year 2021 (November 11, 2021). It is noted that on November 
29, 2021, following the recommendation of the Company's Remuneration Committee, the 
Company's  Board  of  Directors  decided,  in  accordance  with  the  provisions  of  Article  272 
(c1) (1) (c) of the Companies Law, to discuss and approve the Company's CEO, Mr. Tomer 
Raved, Annual grant for the year 2020 and for the year 2021; 

d.  Approval  of  the first appointment  of  Mrs. Efrat  Duvdevani, as  an external director of the 

Company for a initial term of three years (January 24, 2022); 

e.  Approval of the issuance of letters of commitment for indemnification and a letter exempting 

liability from Mrs. Efrat Duvdevani (January 24, 2022). 

- 17-

  
 
 
 
 
 
 
 
 
Chapter D (Additional details on the corporation) for the periodic report for 2021 

2.  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 statements.  

  March 23, 2022 
Date 

_______________________________ 
B. Communications Ltd. 

Name and role of signatories: 

Tomer Raved, CEO 
Darren Glatt, Chairman of the Board of Directors 

- 18-

  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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: 23 days. 

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: _____. 

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: 

D. 

The majority required to amend these provisions in the articles of association: 

8. 

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)  

9. 

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: 6. 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: 5, women: 2.  

BOARD MEETINGS (AND CONVENING A GENERAL MEETING) 

11. 

A. 

Number of board meetings held during each quarter of the reporting year: 

First quarter (2021): 3. 

Second quarter: 4. 

Third quarter: 3. 

Fourth quarter: 6. 

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 
(served during the 
reporting year 

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 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
until November 
29, 2021) 

Phil Bacal 

100% 

Ran Forer 

100% 

Stephen Joseph  

95% 

100% 

100% 

100% 

100% 

100% 

100% 

100% 

Michael Clare 
(served during the 
reporting year 
until December 8, 
2021) 

Efrat Makov 

100% 

100% 

100% 

100% 

Ajit Pai 

100% 

9 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
12. 

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. 

√ 

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, 

10 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
15. 

16. 

but in any answer (correct / incorrect), indicate the period (days) in which a CEO did not 
serve in the corporation as aforesaid: [__]. 

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)-  

Indicate the family relation between the parties: _____. 

A. 

B. 

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. 

√ 

√ 

√ 

√ 

12 

 
 
 
 
 
 
 
 
 
 
 
 
 
E. 

A director whose main livelihood depends on the controlling shareholder. 

 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 (2021): 2 Days. 

Second quarter statements: 3 Days. 

Third quarter statements: 4 Days.  

Annual statements: 3 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 (2021): 5 Days. 

Second quarter statement: 5 Days.  

Third quarter statements: 6 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. 

Correct 
√ 

Incorrect 

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).  

√ 

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 Tomer Raved, who served during the reporting year until November 29, 2021, and Michael Clare, who 
served during the reporting year until December 8, 2021, have accounting and financial expertise. Ajit Pai joined the Board of Directors as a 
director with accounting expertise on May 4, 2021. Efrat Duvdevani joined the Board of Directors as an external director with accounting 
expertise after the end of the reporting year on January 24, 2022. 

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 focusing on the domestic 
communications market in Israel only. 

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, 2021 

- 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.  Lital Aharoni, 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 and Information Technololgy General Controls (ITGC); 

2.  Controls over cash process and debt management 

3.  Process of preparing and closing the reports 

- 3-

 
 
 
 
 
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 

corporation  concluded  that  the  internal  control  over  the  financial  reporting  and 

disclosure in the corporation as of December 31, 2021 is effective. 

A list of material vulnerabilities in the internal control that were corrected during the 

reporting year up to the reporting date, including the date on which they were initially 

reported: 

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 June 30, 2020 was the reduction of 

the Group’s equity according to the following detail: 

- 4-

 
 
 
 
 
 
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 

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 

122  million  (NIS  100  million  net  of  tax)  was  recognized  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: 

- 5-

 
 
 
 
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. 

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 2017-2019: 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,  in  2019,  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. 

- 6-

 
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. 

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. Accordingly, at the 

request  of  Bezeq's  Audit  Committee,  the  External  Auditor  presented  to  Bezeq's 

Audit  Committee  findings  of  complementary  work  performed  and  subsequently 

received Bezeq's Board of Directors recommendations from the Audit Committee, 

mainly in the implementation of periodic controls and analytical analyzes that Bezeq 

International must perform as part of the process of closing the financial statements 

(in  addition  to  the  existing  controls);  Adoption  of  a  professional  standard  for 

executives  engaged  in  controls,  and  their  occupations,  at  Bezeq  and  each  of  its 

substantial  subsidiaries, as well  as  conferring  supervisory  and  control  powers  on 

the  employees  of  Bezeq's  Accounting  Division  on  the  work  of  the  finance  and 

accounting employees in each of Bezeq's subsidiaries with regard to the financial 

statements of each subsidiary;. 

Adoption of certain tests for the purpose of increasing the effectiveness of  entity-

level  controls  at  Bezeq,  and  at  each  of  its  significant  subsidiaries;  As  well  as 

recommendations regarding the examination and improvement of Bezeq and Bezeq 

International's contracts with external service providers. 

It should also be noted that the test report and the samples prepared by the External 

Auditor did not identify any indications of suspicion of embezzlement in the period 

under review and in particular the incident that occurred between 2001-20031 and 

1 It should be noted that according to the examination report, due to the amount of accounting entries, 
lack of documentation and completeness in supporting documents and lack of full explanations 
regarding some of the accounting entries made by employees from Bezeq International’s Finance 
Division in those years, the suspicion of embezzlement in 2001-2003 cannot be completely ruled out. 

- 7-

 
 
 
 
 
clarified by the External Auditor that in relation to the incident between 2017-2019 

there was no concrete suspicion of embezzlement - therefore, it was decided not to 

extend the examination of the suspicions of an embezzlement incident beyond the 

actions performed and the findings and conclusions that emerged from them by the 

External Auditor. 

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, 

as well as in its periodic reports. 

As part of the effectiveness assessment for September 30, 2020 and December 31, 

2020, 

the  Company  reported 

ineffective 

internal  control  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  inadequate  recognition  of 

expenses.  It  will  be  clarified  that  the  material  vulnerabilities  identified  in  such 

controls are with respect to Bezeq International. 

In  the  quarterly  report  as  of  March  31,  2021,  the  Company  concluded  that  the 

internal control was effective as of the date of publication of the report, and also 

reported in detail on actions taken to correct the material vulnerabilities. 

It  should  be  noted  that  Bezeq  International  continues  to  strengthen  its  internal 

control, inter alia, by improving the automation of work procedures in which failures 

have  been  identified,  as  well  as  performing  additional  operations.  Improving  the 

automation of work procedures is carried out as part of a multi-year plan, some of 

which is accompanied by external professional consultants. 

**** 

Regarding  the  investigations  of  the  Securities Authority  and the Israel  Police,  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 

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investigations, plans, materials and evidence in the hands of the law authorities in 

the matter (although in January 2021 Bezeq received the core of the investigation 

material in connection with the 4000 Case, following Bezeq's summons to a hearing 

on  this  matter  as  detailed  in  Section  1.1.7.2  of  the  chapter  describing  the 

corporation's business). Accordingly, the Corporation is not yet able to assess the 

effects of the investigations, their findings and results on the  Corporation and on 

the financial statements and estimates used in the preparation of these statements, 

if any. 

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(1)  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 2021 (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; 

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(5) 

I, alone or with others in the Corporation: 

(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 23, 2022 

_______________________ 

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 2021 (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 

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disclosure; 

(5)  I, alone or with others in the Corporation: 

(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 23, 2022 

_______________________ 

Itzik Tadmor, CFO 

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