Blender Financial Technologies Ltd. · TASE:BLND
Blender Financial Technologies — Q3 2025 Earnings Presentation
13 slides from Blender Financial Technologies's earnings presentation, 2025
Slide 1: Capital Market Presentation Q3 2025
Capital Market Presentation Q3 2025 - Business Summary and Revenues
Slide 2: Legal Disclaimer
Legal Disclaimer This presentation constitutes the principle and marketing presentation of Blender Financial Technologies Ltd. and its subsidiaries (henceforth referred to, together, as "the Company" and/or "Blender" and/or "the Group") and is meant for marketing purposes. It does not constitute a p
Slide 3: Key Events Q3 2025
Key Events Q3 2025 Turn around year ➢ Raising NIS 21Millions through a private share placement from leading investment institutions to strengthen capital and support continued growth ➢ 53% growth in the on-balance-sheet credit portfolio ➢ Maintaining cash-flow profitability (Adjusted EBITDA) for the
Slide 4: Blender in Numbers
Blender in Numbers 2.2B 551M 80M 103K Total loans Managed loan Revenue over Paying financed portfolio last 12 months customers NON-GAAP financial data including loans in the credit intermediation system as of September 30, 2025, unaudited data Total loans and paying customers cumulatively from the s
Slide 5: Credit portfolio development
Credit portfolio development (In Millions of NIS) Credit granting in Israel- approximately 53% growth in the Israeli credit-granting segment compared to the same quarter last year 677 663 664 618 604 84 85 80 580 570 69 46 547 551 48 81 35 28 1 76 95 105 110 119 137 161 545 499 504 454 453 435 423 4
Slide 6: Quarterly revenue development
Quarterly revenue development (In Millions of NIS) Continued growth in interest income from credit provision activities in Israel Transition to positive 24.5 Adjusted EBITDA 22.7 20.9 21.4 21.6 21.1 19.3 19.5 19.9 21.6 21.1 19.9 19.5 18.9 19.1 18.4 18.2 18.3 2.9 2.8 2.0 3.2 2.5 1.0 1.1 0.4 Q3.23 Q4.
Slide 7: Credit provision in Israel
Credit provision BNPL in Israel • Continued growth with increased credit lines 2024 1-9.2025 • Profitability improvement • Focused business expansion Gross income Gross income in 2025 17.7% 17.6% Interest expense Interest expense ratio 6.8% ratio 6.8% Actual credit Actual credit loss 2.3% loss 1.6%
Slide 8: Credit intermediation in Israel - proven and meticulous credit risk management
Credit intermediation in P2P Israel - proven and meticulous credit risk management in the market 17.2% ▪ Proven underwriting and risk management 11.1% 1-9.25 model 3.5% ▪ Diversification in loan types with emphasis on growth in secured loans 16.9% 11.0% 2024 3.5% 15.4% 11.1% 2023 3.2% ללקוח ממשית
Slide 9: Blender's Credit Platform
Blender’s Credit Platform Maintaining flexibility and risk diversification in a changing market blender Car blender P2P investors Pay Verity Credit Credit Platform Funding Bank credit lines blender Solutions Rating2.0 Sources Loan Institutional investors blender Mortgage Solutions 9
Slide 10: Technological Leadership in Fast and Accurate Credit Underwriting
Technological Leadership in Fast and Accurate Credit Underwriting Secured Integral Architecture A robust Salesforce based system, significant process efficiency, driven by data-based decisions and APIs Fraud Prevention Rating2.0 A multi-dimensional model for credit risk assessment and fraud preventi
Slide 11: blenderPay in collaboration with Bank Hapoalim
blenderPay in collaboration with Israel's leading BNPL (buy now, pay later) solution for large purchases Wide distribution in Israel across more As of March 2023, JV- 80% owned Technology TAM of NIS 30 blenderPay by Blender, 20% enabling large ticket billion annually than 2,000 points of activities
Slide 12: Distributing technological innovations
Distributing technological innovations A holistic cloud-based technology platform that integrates various functionalities seamlessly Custom implementation capabilities for fast digital credit and smart deposits Distribution agreement with the banking division of Amdocs and Sapiens Providing innovati
Slide 13: Thank You
FFA ALE PF egy, ty a
Blender Financial Technologies — Q3 2025 Earnings Presentation on 6ix