Isracard Ltd. · TASE:ISCD
Isracard — Q3 2025 Earnings Presentation
19 slides from Isracard's earnings presentation, Nov 19, 2025
Slide 1: Investors presentation Third Quarter 2025
Investors presentation Third Quarter 2025 This version is a translation of the official and original Hebrew version of the presentation filed the on the Tel Aviv Stock Exchange on November 19, 2025, and is to be used as reference only. In case of any contradiction or incompatibility between the Hebr
Slide 2: Forward Looking Statements
Forward Looking Statements This presentation about Isracard Ltd. (hereinafter - the “Company”) and its consolidated companies conditions, and external factors affecting the Group’s activity, behavior of consumers both globally (hereinafter jointly - the “Group”) is made available for the sake of sum
Slide 3: Four Years of Growth in Credit Portfolio and Interest Income
+131% Four Years 11,186 of Growth 9,541 Credit 9,184 Portfolio in Credit (NIS, million) 6,223 4,844 Portfolio 30.9.21 30.09.22 30.09.23 30.9.24 30.9.25 and +162% Interest 916 Income 803 845 Interest Income (NIS, million) 349 393 Q1-Q3.21 Q1-Q3.22 Q1-Q3.23 Q1-Q3.24 Q1-Q3.25 3
Slide 4: Record Highs & Growth Momentum Q3 2025
Q3 2025 Credit Portfolio +17% Record 30.9.2025 Approx. 11.2 NIS, billion Return on Equity(1) Highs 12.6% & Growth Income +10% Q3 2025 933 NIS, million Momentum Net Income(1) +23% Q3 2024 10.0% (as compared to corresponding Q last year) Q3 2025 Approx. 96 NIS, million הוצאת, מיליון ש"ח לאחר השפעת
Slide 5: Financials Q3.2025
Financials Q3.2025 5
Slide 6: Consistent Credit Portfolio Growth Alongside Enhanced Quality
Consistent Credit Portfolio Growth Alongside Enhanced Quality NIS, million Credit portfolio exceeds NIS 11 billion Downward trend in write-offs and specific credit loss expenses 11,186 10,921 10,318 17% 9,790 9,541 9,242 9,355 9,058 86 75 78 63 63 49 52 31.12.23 31.3.24 30.6.24 30.9.24 31.12.24 31.3
Slide 7: Q3.2025: Income and Turnover Set a Quarterly Record
Q3.2025: Income and Turnover Set a Quarterly Record Net Income from Continuing Activities increases 23% (NIS, million) Transactions turnover and number of active Income from credit cards Interest income, net credit cards issued by the Company 9% 10% 68,992 8% 8% 63,183 665 258 605 240 4.74 279 245 4
Slide 8: Consumer Credit Continues to Rise at a Record NIS 8.2 Billion
Consumer Credit Interest income Interest income Interest income margin percentage(1) above prime rate(1) 8,162 NIS million 232 NIS million 11.54% 5.54% Q3.2024: 212 Q3.2024: 11.95% Q3.2024: 5.95% Q3.2025 Private 13% Customers 8,162 7,988 Consumer Credit 7,611 Continues 7,253 to Rise 7,202 Up at a re
Slide 9: Business Credit Portfolio Growth Trend Continues Beyond NIS 3 Billion
Business Credit(1) Interest income interest income Interest income margin percentage(1,2) Above Prime rate(1,2) 3,024 NIS million 93 NIS million 8.05% 2.05% Q3.2024: 79 Q3.2024: 8.37% Q3.2024: 2.37% Q3.2025 Business 29% Customers 3,024 2,933 Business 2,707 Credit Portfolio 2,537 Growth Trend 2,339 C
Slide 10: Improving Trend in Credit Portfolio Quality
Improving Trend in Credit Portfolio Quality Total credit loss expenses Coverage ratio – (NIS million) credit loss provision of credit card receivables balance (1) 3.85% 3.66% 3.51% 3.31% 3.23% 3.12% 3.59% 2.87% 3.58% 3.32% 3.23% 3.16% 75 77 3.01% 65 69 2.58% 50 45 39 Q1.24 Q2.24 Q3.24 Q4.24 Q1.25 Q2
Slide 11: Robust Finances and Diverse Sources Power Expansion
Robust Finances and Diverse Sources ROE and Power Expansion Quarterly )NIS, billion( Capital Ratios Financing Sources(1) Credit Facilities(2) Return on Equity 3 Long-term bank loans, and commercial Maximum and average utilization funding as of the balance sheet date since the beginning of the year 1
Slide 12: Advancing Innovative Ventures and Partnerships
Advancing Innovative Ventures and Partnerships Generating added value for Isracard customers Investment in digital credit initiative for Small business Investment in advanced loan-solution פלטפורמה דיגיטלית מתקדמת companies for real estate developers Digital management services For SMBs התאמות כ
Slide 13: Launched a Non-bank Account for Businesses
Launched a Non-bank Account for Businesses All-in-one at Focus on the Cost effective the fingertips business Loans/ Cash flow Payment guarantees/ Invoices management account credit lines Income & expense Credit cards Cash management register 13
Slide 14: Tailored Value Added Services for Isracard's Customers
Loans: before & after holidays Supporting small businesses Tailored Value Added Sales season Services for Isracard’s Customers 14
Slide 15: DIGITAL FIRST: Digital Adoption Fuels Growth
DIGITAL FIRST: Digital Adoption Fuels Growth Digital loans volume on the rise X 11.4 The App. as key channel Unique to +60% Isracard New App. Users(1) (Q3.25 vs. Q1.23)) A-Z digital loans for businesses 2021 2022 2023 2024 1-10.2025 Monthly average per period (1) Launched Q2 2023 15
Slide 16: Four Years of Growth
Q3 2024 – Q3 2025 Q3 2021 – Q3 2025 Four Years +131% Income +10% Credit of Growth 30.9.2025 933 NIS million 11,186 portfolio New Highs Net +23% 4,844 Income)1( & Strong 30.9.21 30.9.25 ~96 +162% Q3 2025 Momentum NIS million Interest 12.6% 916 ROE )1( income Q3 2024 10% 349 1-9.21 1-9.25 (1) Excludin
Slide 17: Appendix
Appendix 17
Slide 18: Statement of Profit and Loss
Statement of Profit and Loss NIS million Q3.2025 Q3.2024 1-9.2025 1-9.2024 Reported one-time Net of one-time Reported Reported one-time Net of one-time Reported expenses)1( expenses expenses)1,2( expenses Income from merchants, net 386 - 386 360(3) 1,099 - 1,099 1,028(3) Income from credit card hold
Slide 19: Balance Sheet
Balance Sheet NIS million 30.9.2025 31.12.2024 Assets Cash and deposits with banks 629 1,003 Amounts receivable from banks for credit card transactions, net 7,882 7,045 Receivables for credit card transactions 18,614 16,417 Credit loss provision )479( )488( Receivables for credit card transactions,