I.d.i. Insurance Company Ltd. · TASE:IDIN
I.d.i. Insurance — Zur Shamir Holdings — Investor Presentation (2026)
43 slides from I.d.i. Insurance's investor presentation, 2026
Slide 1: 2025 niw DID'0
2025 niw DID'0 MIO °° — ee
Slide 2: mann" 377) "vA N1OA7 17AN YN.'T4N_7Y ‘N9NA NTA 779w YT! 7Y ON VT" INA
mann" 377) "vA N1OA7 17AN YN.'T4N_7Y ‘N9NA NTA 779w YT! 7Y ON VT" INA IT NANA 779N VTA, 9012.0 WONA MANA nT [HY Q!7ND NN JN AIANA ANAS ONIN DNTP O'NI'TI NaN ‘7Y [91,2025 VaNYTA 31 O17 INA AT IN ,AAWONA DINIITA D'779IN DAINIAN AAW N17'92 IN/| ADNWA IN/! |9INA DANINA YT"! DIN) Naw N77I9 Man 'nw72 B'7I
Slide 3: Sf "NN NANW"” yyrayn
Sf "NN NANW"” yyrayn NANT) N'IOV NIdwWyN DAWWONVNN N'011'9 NN'INI N'71IV9ON Niw'yI sninig7 NAN NAIL Pw ninan v -YNIN07 DYNAN ON! NVIOIAATIN ¢* NUNN NT! TY NIVTA IIIA AIA D'VIT'N WWI TY AINW * .pUNN NI7'V9A NONNN AXNIND 197 Ni'9N1 sniv‘ani NeI7Y N72 v WIDD OY) NI'TNA 'T!7Y D'VOION NNN7NNN ANNIND WID1
Slide 4: D')TN D'YIN!'2 ‘7W n1W D'nNds0N
D')TN D'YIN!'2 ‘7W n1W D'nNds0N © namin Y 'OIn'Y n71y9 oin'n VIiTn qp'n nama A7IVON ‘IN. Ojovn ITOp UNNNn nyon YN V7NENINS' TI "TNO. 2025 niw © nnwTn nAI7N3I0 % anty nn7un Vn ,az7a ynwn nan unNnwn NWN NN! uiIn'y niaq7 ,NNTIND GEN Alniw''a 19'U nienina y ligt ANNY7 NEN |! wu nin NINIP7A 9p'N2 717 nrn
Slide 5: on 1nN7 7719 NINN
on 1nN7 7719 NINN 'ytg) [Ivan 7719 NIN ay 720Y” 7719 NIN 416* 111* 109* 328* 1 10-12.2024 10-12.2025 2024 2025 > Bn) 7719 NIN =m O'o9UN O'D'7A Ya NWN a § : tite 7719 nin 5 D"09UN D'D'7N }Ya NWIANN, \ Niv12 °° .D"09UN D'9'7N7 NW79N 711012. 719 NID S"NO* Wee 792 DININ 7D.
Slide 6: on 1nN7 “JINT NNIWN
on 1nN7 “JINT NNIWN yn [Iv [1IN7 ANIWN 720yNN [107 ANIWUN 35% 34% 29% 32% 10-12.2024 10-12.2025 2024 2025 mm nio1d °° JniImNA NINA JY O Naw O'NIWNA [17 ANIWN* Wee
Slide 7: zl 172N 10172. Nl"N1I91 AN'yNY
zl 172N 779 10172. Nl"N1I91 AN'yNY *nrnio2. n'njiw AN yy 50% nya Any “TPNWN 710 7oun 7012. 2,054 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 XN —nims = —7"0UN N77 ni'nne W792 DAUININ 7D. .TANUAI NWN B"09UN D'D'7n Nyswn 7N092* ni012 °, .° ai e
Slide 8: D'9)Y '97 NjI7NA Ni'N192 NN' NN
D'9)Y '97 NjI7NA Ni'N192 NN' NN 2024-7 NNWWNA 2025 oo 7 4901 1.947 oe oy - * _ 0 628 680 ag had gy 397 at _ z 367 357. 373 nae 2024 2025 2024 2025 2024 2025 2024 2025 2024 2025 winnany nain aay NWHIAN! OWOY NIT nnn. anyinn 722 // NINI7N WWONAI NIO"'71I9N W0NA WWHNNN TIT \ moe £01 97 w I'7"N2 DININ 7
Slide 9: NINNIN NO NMUY Ni
NINNIN 92 NO NMUY Ni N17aNn nN “Ni 71iy9n "yr [iva nin iw 720yNy nin 503 113 KEN 10-12.24 10-12.25 2024 2025 § NIT) NIN Borv9wN O'9'7) [92 AWISN gnimonIN =s@oroown DD'7N NA WIA 8 | 8 a «MAXI 79 DUNT NIVONA NINYINND 97ND V'!9N) NTI NAOWN7 NIDN [92 WIOPN NID NiaI7 Niven Nixyin* nivi ee et eve £01 97 w
Slide 10: TON! 'T'7101 [1a
TON! 'T'7101 [1a NAINNIUN OV pin qn niypwa 4.5.5 ny TANT Niypwa p'n \ . mora ° Noon niypwa "yr iva nin nNIUN, o'n1n. 5 o'nlw nNIUN, 6.0% o'n1na o'niw 6.8% n 10-12.2024 10-12.2025 NIN iw 120xy nin aANIUN spain Dna ona ee) pnw 6.0% 6.3% - 2024 2025 £01 97 w 792 DAININ 7D. DIONNWN 'ni N77 10
Slide 11: NWI) a7 NaN
NWI) a7 NaN neni nay! B"'779 yaw OV D'91Y '97 NPI7TNA NI7'V9 WANN ON 97 7719 NIN 06 , 48% 52% A 274 135 34 wioaan aan an nant ooy nT on ninna -25 A niv1n °,° p nea DANA WUT 0°. .01 197 wy II'799A DIININ 79
Slide 12: nenin7 any ya qwnnn it~ WI) AD
nenin7 any ya qwnnn it~ WI) AD D"v9UN D'D"7N7 AWIASA 7:02 2% an 4992 NIV! '‘NITVwWY NIN Firath 4992 NIWA NIMNVUYN NIN ivan — ne7iv9on nixyin “nini9oa 7a0YN = NF7IV9ON Niryin ° ae < - 10-12.2024 10-12.2025 2024 2025 [n0% NINYIALEZIVON Nixyin 7719 132 90%-1 nw // CR 899% WID7 1997 INID7N 190N2 AN7Y NN
Slide 13: nenin7 any ya qwnnn it~ WI) AD
nenin7 any ya qwnnn it~ WI) AD D"b9UN D'D"'7N7 NWIASA T'71D 2% 132 N10 'nNIVwyY NIN a 132 NiO'd Nivuy nin yan — NITION NiNNIn *nipn9a. 7A0YN = NI7IV9ON NINyYIn e ame? pr “7 10-12.2024 10-12.2025 2024 N 0%) NIWA NevVIVON Nixwin 7719 ‘Mw yan // CR 9O% WID7 199 miu °° AINII7N W90NA A"TY NNW) 7'9;9N2 ,N
Slide 14: ANN |'2 ‘Ap ITN Ty NTO_N
v ANN |'2 ‘Ap ITN Ty NTO_N nawa '27 Ni7!von qpna nenin Vv 9 ann NNT) N!70'T HIN OO NNN? AN) Wid AD IW N12 O'7'I1!1 DINVIN *a0n pw nni vu nion 14.796 nana ant 29.5% “man 6.49% ‘aman TA% -30.9.2025 DN'7 [191 ,(7”2UN 7719) [IN DW NWI '97 N10! "8T NIN 297 PIW NN* Vv NT9;J OM'N "7N'NINS'T UNNN am nNONT O
Slide 15: Nain AD)
Nain AD) WID7 2977 D'7WY) Wily 896 nn'ny 1992 nod 'nivuyN NIN nimw 1992 no 'nivwuyN nin [ya — ne7IY9N NiNXIn ‘neq. 120¥N — N71Y9ON NINYIn > -T'DWN NTT N09 NNW ANY* niv7a °,° .01 197 w 792 DAINIA 79 TUT 0%. 15
Slide 16: *NEMNI DANN WD) '91y ,
*NEMNI DANN WD) '91y , D"09UN D'D'7N7 NW179N 71ND 89 nny 9992 no 'nivuyn nin nnw 1992 nv 'nNIVwyN nin lyn — NE7IVON NINN nin 192 720¥N — NI71IVON NINYIn > 10-12.2024 10-12.2025 2024 2025 .D"909N NINITA Ww 4'VO NNN vow , NNT Wun V'VaA* mitat eee ‘ .01 197 w "7402 DAMN 79
Slide 17: *NEMNI DANN WD) '91y
*NEMNI DANN WD) '91y D"09UWN D'D'7N7 NW19N 77153 1396 1992 nod 'nivuyN NIN nnn 992 NID! 'NIVwWyY NIN —on nniw _ lyn — ne7iv9n Niryin maaan 120¥N — N71Y9ON NINYIn e 10-12.2025 2024 2025 -4 .D"909N NINITA ANN Y'VO NNN v'9N9 , NIT ww p'va* nivra °° ' nea DANI WUT o%e £010 97 wy 702 DUNN 7D 7
Slide 18: NEANE DAVNN VID) "91
NEANE DAVNN VID) "91 Vv NIinijJ7 7V 712) TINN Cross sell NWT 99 nio'a 'ITNNW Vv 9777 NWN 'nvay 219 CAT-I ya0 Vv DNO'DA Q7'n NTA nip77 NENA NIAN! '7W JalV “‘nivT pw nan vu nion 12.296 nana an 17.9% ainetn '~Aan 19.5% Vv Onin VIT'N W'Y NON) NOANN Q1VA nn NINjI7 v DENIM ANDY I'NY INT FVIN7T (D"I9TY DIN
Slide 19: DYN NIDA
DYN NIDA ANNONA QV - OMN QV 1992 Nw NMP NIN 5% 1992 NON MMH NIN / \ jiyan — Ne7IVON NiNxIn Tae qavyn — nrvivon ninvin nino. ~ a a ae 10-12.2024 10-12.2025 2024 2025 \ 00 197 mw II'7"92 _DIININ 7D mar 2° VW "TIN 771 NT '.
Slide 20: lav pON
Vv lav pON nw! nin ni7!yvo e v ANnIDUN awn ni7v9n ptin oy ni7'yon nnnont 0422 NNHN310 e DN NHI! ANNONA QV - OMN QV ‘pn pw nni vu nion 8% nnann ant 9% ‘man 22% man 15% xnioun 'nivna a'77AM 16.5%-5 'YIDOY JIWA XNIDUYN ...pnvian yw non v (D"I9TY DIN) NOUS OO) 31.12.2024 OF'7 [192 YAOYN ,|!90'N! N10! JI
Slide 21: NINA NIA
NINA NIA NNM'YNA QIY - NINMAN Q1V 4992 NIV! NIMUYY NIN Cn 4992 NIV! NIVwY NIN jy) — neviyon niyin FE oictt AYN — Nr7ivON NiryIn Ni7Ny! NNN. *niwp e 2 ob -* 10-12.2024 10-12,2025 2024 2025 Nipt9n NWI 7Y ANW9IN NiasWVa_,TIND OY YTNA NWN NINN Wd PIY NeWN NINN 7w run-off 'N 7719 .AITA N9IPNA 9%-9 INI'77
Slide 22: 7yU novnnnN npNyal nAana
e ft 7yU novnnnN npNyal nAana IN7IVON 'OIN'YW e gulliver xnox | @ Tala TIVI NINA NIA D'7'19 DANIO Oe = n'NN90 IT N'aypy ANY nio'vion qa'na NeNIAA W9'VI 1596 ANN ninqaa “niwp niznnl o ft nna wsin TU NTN o'noi o'nniyd n792 N'nw AN wY* 22
Slide 23: NlO11'9 Nivovn
NlO11'9 Nivovn VAONYI VID) [IVAN IFRS17-7 Vaynn OY NYYNA 771I9n NINA ZY TMA NAN ova DW Nivown 1 NINA "NN DINN7 'OW7N DINN }'2 49'7N UTA DANN WWI NIAAA NN AIAN Nota .2 10-12/2024 10-12/2025, 1-12/2024 1-12/2025 MTR (65.7) (55.9) 110 (2.3) (2.1) “Dipy iw - a4 OA nia on 29.2 23.4 aie) (2.9) 17.5 “Dipy
Slide 24: CSM & RA
CSM* & RA** \ _- = 987 r) 877 216 232 234 104 107 128 127 CSM RA CSM RA CSM RA ! Y ‘ Y Y A 1.4.24 31.12.24 31.12.25 gon eninna -NIO}AD ATIN 1D NIIPN NZ NIA QT 1012. 10'D |N|N HOY NID - ATINA Nw NID CSM * JAN ANNwWA By NIN7 gAT,D WINN NATH 7w IN!YAL DIDOA 1997 NINTIN IN $122. [1D!O_ N09 - |1D'O7 NNON
Slide 25: TITA'T NNIONIL TIT AT
TITA'T NNIONIL TIT AT qd 'AIn Npl7n Nv TITAT NNIWN [92 VAOXY TIT! T [92 TDN TIT'A'T njpl7n7 Tanraty pnw 5 nyxiny 2025 'niIn yen jivaa'nin qWwid TY |IVV'9 120% 4 N9IPNA ninnN 71% -> AANA 2018 TNYD 179'71N w Tww70161- T1T'2'7T Oo aoyN ONIN IND N"W TIN'T'N 1.7-3 7H
Slide 26: Jin ninn9gnn
Jin ninn9gnn | IFRS4 ‘niin | IFRS17 numa. “ 12/2018 12/2019 12/2020 12/2021 12/2022 12/2023 12/2024 12/2025 \ — in —IFRS17 97 110 \ 0702 NW [70 84 -3 TY 702 1.1.24-2 IFRS17 [IN 7Y NUWN77 OW" Nyown 7719* 26
Slide 27: NIUTY [IYV9 WID ON!
NIUTY [IYV9 WID ON! *30/06/2025 DI'7 1,952 ~ #1339 \lw'9 WID ON! e 1,464 . . Rating mann Aas nit wna yin —_— A2nIT) AIT '97 e 2025 SCRUTINY QT .DANNI IY NWN? O1NwW7 ANIA NWI N'!ndAn INNA 7797 «ws "702 .2025 14NANA IIA NY |I'749 60 JOA TIT!'I'TA Nawnnn AN 27
Slide 28: DIN)
DIN) D''9O0)5
Slide 29: Wid AD
Wid AD NIW VAOXYD D"v9UN D'D'7N7 NIwa9n D"v9UN D'D'7N7 NlwA9n 2024 2025 2024 2025 4 1,900.8 19474 unahe 18973 1,929.8 punk 2% V4 238.4 295.3 no ninwy ni 231.1 275.3 no ninwy ni. 296 nn"ox nn'x * * TW192 nod nnwe nn nod nnwe nn mwy192 gocninainiag gore 262.0 D7iv9N INIA 1992. aa 230.6 D7ivon INIA 199
Slide 30: Wid AD
Wid AD VMI) [IVA 2024 2025 1ona nn19 —” 3967 7D IDNA, 50.3 58.7 no ninwy ni7. no nnwy nin * o> 49.8 DeTIVON NINNIA 1912. W792 TUN TON NTT (0.4) 2.2 1ho% (MexwiA)/NI0190 e 15.3 17.6 *eMiyaWAN N09 55.3 69.6 72 nr sninip7 1902 AN7Y ANWAI 7:A9N2 O7IN NI! '99WN N7TAN Dyan Nwn79a ATAVA* -TANWN 409.7 7110
Slide 31: nn'nN
836 nn'nN ni'n192 7"IUN TDN N77, Nain Ad) "vIn [Iva 2024 2025 rona nim19 3 146.1 *7"OUN 11992. inmun (To9n)/n1I1 123 (3.3) noe ‘nun (To9n) NI. 88 (5.8) Dinyvin 1992 Noa nviyon (10.0) (6.0) Iho" NINNIN 8.4 178 *=Miypwnn non 6.9 5.9 79 nin. 7W2a0NN 2024 2025 ronan 628.1 679.6 *7"oun Na 'inimun (To9n)/
Slide 32: NEIMAN WN VID) "91
NEIMAN WN VID) "91 MAY VAOXYD 2024 2025 2024 2025 4 366.9 397.5 ona nin7S 345.1 388.9 tona nin. 4 46.4 55.0 no niwy Ain 23.5 36.5 nioa nw nin 85 nn'yn 38.7 416 nora 'niy'wn nid 158 294 nora ‘niu nid ninroea Dvr7iV9N NINN 1912. Dr7ivon NINN 19912 (4.3) (4.4) {ho NINNID (4.3) (4.4) [1o"10 NINNIN. e e
Slide 33: D"v9wnN D'D'7N7 Nlwa9n
ni012 °, " D"v9wnN D'D'7N7 Nlwa9n NEIMAN WN VID) "91 Way) IVAN D"v9wWN D'D'7N7 Niw7»9n 2024 2025 84.4 89.9 tona nine 14.7 1.8 noni ni a 98 wnvonniewin 3a (0.4) (0.1) Wo" NINNIN 1.2 25 ‘Tiypwnn nioin 13.2 12.2 T1911. 2024 2025 69.1 89.9 1ona nin79 (1.7) 1.4 no nnwe nn 30% 'nnwn (Tos) an'mx (4.0) 94 D
Slide 34: DYN NIDA
DYN NIDA ying jiyan jA0YN 2024 2025 2024 2025 mM 90.8 95.0 ona nis 357.0 373.2 tona nin 12.4 38.1 nioa mimwn nin 51.8 132.6 no nnwn ni no nnwy nin no nnwy nin 9.6 35.6 DN7IVON NINNID 172. tae 1246 yeyon ninyin 992 15.1 3.8 [no N1o1n NB 16.0 [lo n10190, e e 0.5 0.1 -Miypwnn non (To9n)/nN1019, 0.6 (0.
Slide 35: nin‘ 1A
nin‘ 1A vIn) [Ivy 7V20xNN 2024 2025 2024 2025 73.2 78.5 ona nin19 286.0 311.2 toa nino 149% 19.2 22.9 no ‘nivwn nin 89.4 104.7 no ‘nivwn nin 1 Bos nnn nny nimnoa 155 210 no niwe nn 93 965 no nivwe nin ninjoe2 nn nina DevivoN Nixyia 1992 nevivon neeyia 1992 nny INA Twp Twp 14.5 (1.1) [ho (NINYIn)/NID
Slide 36: D'TIJ'N
D'TIJ'N Dp" Joy
Slide 37: mon
mon yu n7'ainnl NXI7NN = & Be 0197 1M DNWIN 70 nig7 nun ‘70''TN NNI7N vn NI7'y! nnown7! ya nweiayvny mivian 7101 AW! ann WONND VW! 7TH 2IN'N2 NNT ADI 'n1o'aa Nenyiw yin N71) Click-a TDW ONNAI 'NNNN [lD0'NI NINNIDwWyN ,O"'N ,7"N) spao;3 9 nion nivw avant TIT #70"'T Vw! VNyY.7 37
Slide 38: NOION 0919 NIpP7n
NOION 0919 NIpP7n NINII7 NIAND- VW! NIo'a 'DIY9N D7IVAI IOAN WN NN7 "N PNI DAXWA Nid N7TIN7 'on'n [AN'!n 41" tye = in = s call), ee =) a, eB a So’ Sot Sor Sor Sow Sor qnya nyya nanan TINA Ninip7 | TyNo nre'yon't nin19079 payin 70 pin anin (UN DIU VW! WD DoS N77 nig7A nnan | py7Nd0 B'OD11 py nivynni
Slide 39: nivra °°
nivra °° WUT o°e D"t91Y NN'YN '9ly Ma npnya nin's p'9)y2 NnI7'y9n D'D]1'9 DANI) TR'NIVID "7Y1 | nnown7 nla nn'ny \ 01971 (7"Na NINN) 39
Slide 40: TV7'NI 2026-2 D'TY'n NAYWN7T NWN
TV7'NI 2026-2 D'TY'n NAYWN7T NWN N7INU N'71IVON N'nwn nip7 nun eB THN. y : my @ ani n9')N NONT nnn pD'o"nw yny Dw NNW! omni © " o'029 “ ie nin e niryo7 MN1D"N NW 1‘ J nn'ixyn SuIni Neal NNVWON naar " ' Nprw aowi H i ayaa ) ® nin'o Alnr7i3" 40
Slide 41: x aynon
x aynon ninn 7 aNwi ( , uMm'ul TINIDN NAN 7 O"792 0792 WIN? NAWINA ~\ BMD man7 o'79 DeyopITNS Al7u nnivown nina on 7 NiVTIMN! ni012 °, .° ai e niviyy :nig77 nw ONTUN naar "19'07 TIVO" nn'ny nvVonl "nv nip7 nA nivwa Al "79 a7'y nivoni g Al agents naa nTiav a
Slide 42: *DINDIVON NVIVO '9IN'W
*DINDIVON NVIVO '9IN'W WJIDY NNN Vid Ane ud ara ae Lx) | 297 & PTIDIX C-wise fissta[EE] <@SkyGini Zmnxus Gp) “é my SBte> co el &) pion Wa® _ Stas E | B | B eeanunD EOS = AK M AX {as a t ln a TOYOTA GAc m7 Q 1208 SS ceew IQ ee pi See DPM MU Ao
Slide 43: niom
niom Vw! D'D'WYyyY V'INN7