Isracard Ltd. · TASE:ISCD
Isracard — Q1 2026 Earnings Presentation
18 slides from Isracard's earnings presentation, May 2026
Slide 1: Driving Continued Growth
$3 ISRACARD Driving Continued Growth May 2026
Slide 2: Disclaimer and forward-looking information
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: Market's Largest Non-bank Account for Business Portfolio
Market’s Largest Portfolio Non-bank account for business
Slide 4: Isracard drives initiatives to strengthen leadership in Israeli non-bank credit market
BY 21202 Isracard drives initiatives to further strengthen its leadership position in Israeli non-bank credit market (esyee egNeemTEM: Isracard solidifies its with El Al Israel airlines position in the evolving “Matmid Frequent flyer club” financial landscape FLY CARD By EL7VAL7N= esh. MOU for the a
Slide 5: Consistent credit expansion alongside a lower charge offs trend
Consistent credit expansion alongside a lower charge offs trend 1. Quarterly calculation. 2. Company’s responsibility 5
Slide 6: Private customers
> < Private customers MONEY TIME: Expanding our advanced and unique offering Al-enabled service CashBack + re AMEX PLATINUM and innovation euT Me Comprehensive solutions Insurance & Consumer credit Products & payments Tens of clubs savings products
Slide 7: Jewish Federations of North America
• • (1) Jewish Federations of North America
Slide 8: Financial Results
Financial Results
Slide 9: Macroeconomic data sources
(1) Source: Bank of Israel (2) Source: Central Bureau of Statistics – Israeli residents’ departures abroad (3) Source: Bank of Israel – monthly averages (4) Source: Bank of Israel – end of month
Slide 10: Q1.2026 Transaction volumes, revenues and net income
Q1.2026 2 Transaction volumes, revenues and net income Moderate quarterly growth amid the late-February 2026 break of operation “Lion’s Roar" NIS, million Active credit cards (miltionsof units) Transactions turnover of credit cards issued ns the Company Income from credit cards 313.2025 313.2026 Wan
Slide 11: Q1.2026 Business customers
nN Q1.2026 Business customers Commercial credit portfolio was up 28% 3,453 3,259 2.933 3,024 2,707 2,537 : 3112.24 313.25 30.6.25 309.25 3112.25 313.26 (1) Average prime interest rate in QI.2026 was 5.5% (QI.2025: 6.0%) (2) Excluding balances complying with the terms and conditions for extinguishmen
Slide 12: Q1.2026 Private customers
12 Q1.2026 Private customers double-digit annual rate The credit portfolio continued to grow ata 8,929 8,583 8,162 7,988 7,611 7,253 i; 31.12.24 31.3.25 30.6.25 30.9.25 31.12.25 313.26 () Average prime interest rate in QI.2026 was 5.5% (GI.2025: 6.0%) (2) Average interest income rate, based on balan
Slide 13: High-quality and growing credit portfolio
Y High-quality and growing credit portfolio Net write-offs and specific credit loss expenses (NIS, millions) Ql.26 Cd) 5 78 63 63 B 52 QL24Q224 3.24 4.24 QL25Q225 B25 4.25 Total credit loss expenses (NIS, million) 7 74 65 50 [| : QL24Q224 3.24 4.24 QL25 2253.25 4.25 Total credit portfolio ® Credit l
Slide 14: Financial strength and diversified funding support continued growth
4 3 Financial strength and diversified funding support continued growth NIS, billion Financing sources Credit facilities? f Maximum and average utilization long-term bank loans, and commercial funding” Since the beginning of the year Po -30.4.2026 . nmin NIT 93 9.8-7 NINOAID 31.12.2025 31.3.2026 31.
Slide 15: Non-bank account for business
non-bank account for business
Slide 16: Appendix
Appendix
Slide 17: Profit and Loss
Profit and Loss Reported Reported One-off effects! Excluding one-offs! Income from merchants, net 353 Income from credit card holders 244 Interest income, net 247 Other income 6 Total income 850 Expenses Credit loss expenses 71 69 - 69 Operating expenses 325 317) - 3172) Selling and marketing expens
Slide 18: Balance Sheet
Balance Sheet Assets Cash and deposits with banks 429 485 Amounts receivable from banks for credit card transactions, net 6,826 7,318 Receivables from credit card transactions 18,888 18,828 Credit loss provision (490) (49) Receivables from credit card transactions, net 18,398 18,337 Securities 88 88