Slide 1: Q2 2026 a Breakthrough and Accelerated Growth
Q2 2026 a Breakthrough and Accelerated Growth August 2026 This version is a translation of the official and original Hebrew version of the presentation filed with the Tel Aviv Stock Exchange on August 13, 2026. and is to be used as reference only. In case of any contradiction between the Hebrew and
Slide 2: Forward looking statements
This presentation about Isracard Ltd. (hereinafter - the “Company”) and its The materialization or non-materialization of the forward-looking information shall be consolidated companies (hereinafter jointly - the “Group”) is made available for affected, among changes in the Group’s work plan, change
Slide 3: Revolution and Exceptional Expansion of Non-Bank Customer Base
Q2 2026 Revolution and Exceptional Expansion of Non-Bank Customer Base Growth across all business segments Rapid growth in non- Record credit portfolio - growing, high-quality, most diverse in the market Market’s largest bank cards Total credit portfolio Consumer credit business credit portfolio Str
Slide 4: Momentum & successful execution
FLYCARD Launched Momentum & successful execution Expected to boost profitability by NIS 1.2 to 1.6 billion >250K FLYCARD cards issued pretax, over the term of the agreement by Isracard Expected to significantly expand the customer base, revenue and profit over the 10-year agreement term A club chara
Slide 5: Non-bank cards reach new highs
Q2 2026 Non-bank cards reach new highs Most of the growth in the number of cards and customers acquired began in June 20261 Surge in issuances Issued non-bank cards The rate of issued and (in thousands) active cards in the quarter +200 X2.5 1,922 2,029 2,122 vs. prior three quarters average 1,792 +1
Slide 6: Continues to advance its bank establishment strategy
Further solidifying Isracard’s position in the evolving financial arena Continues to advance its bank establishment strategy Solid base Broadest and fastest growing customer base Leveraging the only non-bank business account in Private customers Business customers Israel 3.8M >100K Serves as a Uniqu
Slide 7: Financial Results
Financial Results 7
Slide 8: The macro environment recovery since May 2026
Macro – trends and a snapshot The macro environment recovery since May 2026 Q2 2026 –Credit cards transactions in Israel were impacted by the geopolitical situation(1) (NIS, billions) Impact of main macro drivers 54.2 50.8 51.7 50.6 50.0 47.7 49.1 48.6 48.9 Israel were 46.7 45.1 46.9 45.8 45.7 44.4
Slide 9: Unprecedented growing number of customers
Recovery in domestic and international volumes since May 2026 Unprecedented growing number of customers Infrastructure investment ahead of revenue acceleration in future quarters NIS, million Growing customer base Foundation of revenue growth Investment in transforming and acquiring customers will d
Slide 10: Commercial credit portfolio was up 28%
Q2.2026 Business customers Commercial credit portfolio was up 28% to a record of approximately NIS 3.8B Commercial credit 3,752 NIS millions 28% Interest income 3,752 3,453 93 NIS millions 3,259 88 :Q2.2025 3,024 2,933 Interest income rate1,2,3 7.50% 2,707 2,537 8.26% :Q2.2025 Interest income margin
Slide 11: The credit portfolio continued to grow at a double-digit annual rate
Q2.2026 Private customers The credit portfolio continued to grow at a double-digit annual rate Reached a record of approx. NIS 9.3B Commercial credit 9,313 NIS millions Interest income 17% 240 NIS millions 219 :Q2.2025 9,313 8,929 Interest income rate1,2,3 8,583 8,162 10.77% 7,988 11.46% :Q2.2025 7,
Slide 12: Growing and high-quality credit portfolio
Growing and high-quality credit portfolio Net write-offs and specific credit loss expenses (NIS, millions) Rate of specific credit loss expense and net write-offs, of the average credit card receivables balance)1,2) 0.64% 86 0.55% 78 77 0.54% 75 0.43% 0.42% 0.42% 63 63 63 0.35% 0.36% 59 0.32% 0.32%
Slide 13: Financial resilience and diversified funding will support continued business expansion
Financial resilience and diversified funding will support continued business expansion NIS, billion Financing sources Credit facilities)2( long-term bank loans, commercial funding, and other(1) Maximum and average utilization Since the beginning of the year 3.1 0.2 2.8 10.1 0.2 8.7 8.9 1.4 0.8 7.9 1
Slide 14: Strong momentum, initiatives and growth across business areas
First anniversary under Delek Group’s control Strong momentum, initiatives and growth across business areas Strengthening growth engines and advancing entry into banking >250K Credit portfolio Growth Leap Momentum across business areas In non-bank customer base and successful implementation Isracard
Slide 15: Appendix
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Slide 16: Profit and Loss (Reported)
Profit and Loss (Reported) NIS million Q2.2026 Q2.2025 H1.2026 H1.2025 Income from merchants, net 367 356 720 713 Income from credit card holders 266 250 510 487 Interest income, net 251 244 498 482 Other income 70 )1(6 76 )1(20 Total income 954 856 1,804 1,702 Expenses Credit loss expenses 83 39 15
Slide 17: Balance Sheet
Balance Sheet NIS million 30.6.2026 31.12.2025 Assets Cash and deposits with banks 591 485 Amounts receivable from banks for credit card transactions, net 6,061 7,313 Receivables from credit card transactions 20,363 18,828 Credit loss provision )490( )491( Receivables from credit card transactions,