Isracard Ltd. · TASE:ISCD
Isracard — Q1 2025 Earnings Presentation
16 slides from Isracard's earnings presentation, 2025
Slide 1: Investor Presentation First Quarter 2025
Investor Presentation First Quarter 2025
Slide 2: This presentation about Isracard Ltd. (hereinafter - the “Company”) and its consolidated companies (hereinafter
This presentation about Isracard Ltd. (hereinafter - the “Company”) and its consolidated companies (hereinafter jointly - the “Group”) is made available for the sake of summary and changes in the Group’s work plan, changes in market conditions, and external factors affecting convenience only and doe
Slide 3: Q1 2025: Accelerating growth while enhancing credit portfolio quality
Q1 2025: Accelerating growth while enhancing credit portfolio quality Credit portfolio exceeded NIS 10.3 billion Downward trend in net write-offs and specific credit loss expenses 528 Q1.2024 Q2.2024 Q3.2024 Q4.2024 Q1.2025 NIS million NIS million Credit card Revenues Net income(1) transactions 61.1
Slide 4: Q1.2025 Financials
Q1.2025 Financials 4
Slide 5: Private customers consumer credit portfolio
Consumer Credit Interest income % of interest income(1) Interest income margin Above Prime rate(1) 7,611NIS millions 201NIS millions 11.03% 5.03% Q1.2024: 197 Q1.2024: 11.21% Q1.2024: 5.20% Q1.2025 Private Customers 5% Accelerated 7,611 growth in consumer’ 7,202 7,253 7,149 7,153 credit portfolio 7,
Slide 6: Business customers credit portfolio
Consumer Credit(1) Interest income % of interest income(1,2) Interest income margin above Prime rate(1,2) 2,707NIS millions 83 NIS millions 7.97% 1.97% Q1.2024: 73 Q1.2024: 8.99% Q1.2024: 2.98% Q1.2025 Business Customers 7% 2,707 Another 2,537 quarter of continued 2,339 business credit 2,202 portfol
Slide 7: Targeted investment for continued growth
Targeted investment for continued growth (NIS million) Active credit cards Turnover of transactions related to Income from credit cards (thousands of units) credit cards issued by the Company 12% 3% 10% 594 530 4,631 from merchants, net from credit card holders Expenses excluding credit losses(1) Cr
Slide 8: Enhancing credit quality while driving growth
Enhancing credit quality while driving growth Total credit loss expenses Coverage ratio – (NIS million) credit loss provision of credit card receivables balance(2) Q1.24 Q2.24 Q3.24 Q4.24 Q1.25 Net write-offsand specific credit loss expenses Rate of specific credit loss expense and net write-offs, (
Slide 9: Availability and diversity of funding sources support strategy and operating activities
Availability and diversity of funding sources support strategy and operating activities (NIS billion) Financing Sources Credit Facilities(1) Bank and other loans and commercial funding as of Maximum and average utilization since the Robust the balance sheet date beginning of the year capital and cap
Slide 10: TEAM for Businesses
TEAM for Businesses Ongoing enhancement of range of solutions and services Bizi – loans for small businesses Credit card for businesses Independence for the self-employed 10
Slide 11: In MONEY TIME for private customers
In MONEY TIME for private customers Consumer loan center Upgraded digital platforms Payment ring 11
Slide 12: Isracard community engagement
Isracard community engagement Youth fraud prevention "Round-up for Good” day Tzafon Medical Center and Jordan River village 12
Slide 13: Summary Q1 2025
Accelerating growth Business sector: Private customers: while enhancing Widening the gap Full lifecycle Summary credit portfolio quality management Q1 2025 • Credit portfolio • Continued business • Accelerated growth in surpassed NIS 10 billion credit portfolio growth consumer’ credit • Downward tre
Slide 14: Appendix
Appendix 14
Slide 15: Statement of Profit and Loss
Statement of Profit and Loss NIS million Q1.2025)1( Q1.2024 Income Income from merchants, net 357 330(2) Income from credit card holders 237 200 Interest income, net 238 231 Other income 6 4)2( Total income 838 765 Expenses Credit loss expenses 69 75 Operating expenses 309 278 Selling and marketing
Slide 16: Balance Sheet
Balance Sheet NIS million 31.03.2025 31.12.2024 Assets Cash and deposits with banks 1,400 1,003 Amounts receivable from banks for credit card transactions, net 7,012 7,045 Receivables for credit card transactions 17,058 16,417 Credit loss provision )497( )488( Receivables for credit card transaction