I.d.i. Insurance Company Ltd. · TASE:IDIN
I.d.i. Insurance — Investor Presentation (May 2025)
39 slides from I.d.i. Insurance's investor presentation, May 2025
Slide 1: Investor Presentation May 2025
°° DIRECT e e INSURANCE Investor Presentation | May 2025
Slide 2: Legal Disclaimer
i —t Legal Disclaimer RECT INSURANCE While the information included in this presentation is based on data from |.D.I. Insurance Company Ltd's (hereinafter: “The Company") periodic report as of March 31, 2025, as well as previous presentations and reports published by the Company, it is nota substitu
Slide 3: The Iron Swords War
The Iron Swords War We bow our heads in memory of the citizens of Israel, its soldiers and employees of the Company who were murdered or fell in the Iron Swords War and wish for peace and security in our region. The Iron Swords War continued during the first quarter of 2025 and as of the publication
Slide 4: Income and Return on Equity
Income and Return on Equity Comprehensive Comprehensive Income* 66 1-3/2024 Q1 26% 89 1-3/2025 1-3/2024 * After tax. In NIS million ** Return on equity, annualized All figures are adjusted to IFRS17 Return on equity** 1-3/2025 °,° DIRECT e°e INSURANCE
Slide 5: A Quarter of Achievements
A Quarter of Achievements ablsa ANA Continued high-quality growth in the number of customers and scope of premiums in the various subsegments Technology Improved profitability across all subsegments, achieving adequate balance between profitability and growth Adhering to strict Boosted the scope of
Slide 6: First-Time Application of IFRS17
First-Time Application of IFRS17
Slide 7: IFRS 17: A new accounting standard
IFRS 17 _ Anew accounting standard for measuring and presenting the results of insurance companies First Reporting: Q1 2025 Changes in the measurement and A one-time effect on No direct impact on the recognition of profits in A limited impact ay or rension Solvency Ratio and equity long-term life an
Slide 8: Primary Changes
Primary Changes Presentation & Disclosure More extensive presentation and disclosure, with a clear separation of underwriting profits from investment/finance profits. Improved comparative and monitoring ability following the anticipated development of the underwriting profit. r IFRS 17 Measurement P
Slide 9: IFRS transition effects on balance sheet
IFRS 17 The transition to reporting under IFRS 17 requires adjustment of the balance sheet balances as if they have always been measured according to this standard. The change in assets/liabilities measurement (net of tax effect) is recorded in equity as of the transition date. 90% of the CSM balanc
Slide 10: Effects of IFRS Application
10 Effects of IFRS 17 Application In 2024 Income” for @1/2024 Income“ for 2024 306 66 52 260 IFRS 4 IFRS 17 IFRS 4 IFRS 17 Most of the difference between the methods is caused by changes in measuring profitability in Life and Health segments In NIS million | *Comprehensive income, after tax
Slide 11: Finance Report Results
FINANCE REPORT Results All data, including comparative figures, are presented according to IFRS17 DIRECT INSURANCE
Slide 12: Comprehensive Income and Return on Equity
12 Comprehensive Income and Return on Equity Q1 Comprehensive Income* 1-3/2024 89 1-3/2025 * After tax. In NIS million ** Return on equity, annualized Return on equity** 1-3/2024 1-3/2025 °,° DIRECT e°e INSURANCE
Slide 13: Income from Insurance Services and Investment Income
Income from Insurance Services att and Investment Income a1 Income from insurance services - entire company Operating expenses from operating segments Total income from insurance services, net of operating expenses Finance expenses resulting from insurance contracts (15.6) 30.8 n (| Investment reven
Slide 14: Income from Insurance Services
Income from Insurance Services a1 ere net of operating expenses Insurance Services 114 84 67 1-3/2024 1-3/2025 1-3/2024 1-3/2025 In NIS million, before tax The data are attributed to operating segments °,° DIRECT e°e INSURANCE
Slide 15: Total income from insurance services
NIS million Total income from insurance services
Slide 16: Casco
Casco Q1 - IFRS 17 Income from insurance services, net of operating expenses Income from Insurance Services | omer rehensive a a an ares Premiums in NIS million vA 627 895 5093 563-1 52.8 51.0 58.7 Growth in 43.9 premiums 36.9 compared to last year, g excluding excluding Civil event SS Servants tend
Slide 17: Compulsory Motor / Property results
7 3% ot Growth Excluding Civil Servants tender premiums MBI 222.2 Premiums 3.6 Income from 0.8 Income from insurance services, net of operating expenses (3.5) Finance expenses “13.2 Investment revenue 10.4 Comprehensive income ce services * The line item includes other finance expenses. Q1 238.9 Pre
Slide 18: Other property and liability subsegments
18 Other liab 13% ot Growth 102.2 Premiums 12.0 4.1 Income from insurance services 10.3 2.3 Income from insurance services, net Income from insurance services, net 90.7 Premiums Income from insurance services of operating expenses 1.8 Revenue from investments and Revenue from investments and financi
Slide 19: Life Insurance
19 Life Insurance Q1 91.6 Premiums _ (oy4 F 70 Income from insurance services ts 34.1 Growth Income from insurance services, net of operating expenses (6.3) Finance expenses *0.7 Other revenue 28.5 Comprehensive income All data are in NIS million | Comprehensive and underwriting income before tax 87
Slide 20: Health
20 Health Q1 73.7 69.3 16% _Premiums Premiums | ft 17.5 Growth in premiums Income from insurance services Health and critical illness 4 5 O 6% 70 Income from insurance services, Income from insurance services, ty net of operating expenses net of operating expenses * Growth in (1.9) Premiums Finance
Slide 21: Investment Income - Nostro
a Investment Income - Nostro Excluding income from profit-sharing policies; based on a solid, diversified investment portfolio All data are in NIS million before tax Q1 55 53 1-3/2024 4-3/2025 6.8% 5.5% Return, Return, annualized annualized °,° DIRECT °c INSURANCE
Slide 22: Growth in premiums
7% Growth in premiums compared to last year, excluding Civil Servants tender premiums «18% Q1 2016 Q1 2017 Q1 2018 Q1 2019 Q1 2020 Q1 2021 Q1 2022 Q1 2023 Q1 2024 Q1 2025 Premiums excluding Civil Servants ****** Premiums including Civil Servants tender premiums tender premiums ¢,° DIRECT e e INSURAN
Slide 23: CSM & RA
CSM* & RA™ 919 910 877 I ganesh, 515 596 594 i 216 232 230 362 95 323 104 316 102 ' 121 128 128 CSM RA CSM RA CSM RA 31/12/2023 31/12/2024 31/03/2025 i Life MM Health ) *Contractual service margin (CSM) - Expected income from provision of insurance coverage. Attributed to income across the insurance
Slide 24: Solvency Ratio
Solvency Ratio As of December 31, 2024* 134% Solvency ratio Excluding Transition Provisions l® Solvency capital Excess capital requirement (SCR) The model in its present form is highly sensitive to changes in market and other variables. * As reported on April 27, 2025. Including a dividend of NIS 60
Slide 25: Dividend for Q1/2025
25 Dividend for Q1/2025 Declared subsequent to the balance sheet date Which constitute 6296 of the income for the period Dividend Average 5-year Dividend dividend yield distribution policy At least 5090) of the annual income Distribution threshold conditions 120% solvency Since 2018, a total of appr
Slide 26: Capital Development
Capital Development 4,200 : 4,118 1,148 1100 a) : A | 1,909 — = 4 1,000 926 900 800 700 600 f 400 12/2019 12/2020 12/2021 12/2022 12/2023 12/2024 3/2025 a Including the effect of the first-time application of IFRS 17 on January 1, 2024, totaling approx. NIS 84 million. ~ a °,° DIRECT 26 All data are
Slide 27: Additional Achievements and Business Focal Points
Additional Achievements and Business Focal Points °° DIRECT e e INSURANCE
Slide 28: Market share comparison
Direct 14.7% Company A 14.4% Company F 6.4 % Company B 11.1% Company E 7.1 % Company C Company D 9.4% 8.4%
Slide 29: Market share comparison
Direct Company F Company A 6.8 % 19.2% Company E 8.4 % Company B Company D 13.2% 9.5% Company C 12.5%
Slide 30: Market share comparison
Direct Company E 11% Company A 22% Company D 14% Company B Company C 20% 15%
Slide 31: Expansion of Distribution Channels
Expansion of Distribution Channels Record in number of Strategic Partnerships = ——— ye ~— 2 <3 Us) ai (ee — La) /3D\ Gun fans we FLY MONEY D'uIon A> pane GLOBAL ° BUSINESS (Vial TRAVEL ee wise agg mn Idanyack == @ wine Tl DIX ZS maxus ae, syn LENE MosteED ¢,° DIRECT °e INSURANCE
Slide 32: A Multiproduct Company
YLT (J A Leading Company for Individual and Family A Multiproduct Company 660680 Motor Homeowners’ Mortgage Health Savings and business Q c7 Personal Pure Travel Critical Accidents Risk Insurance IlIness
Slide 33: Business Focus
Business Focus _ Organic & Competitive Innovation Maximizing Profitable Advantage at the core of Customer Growth through our Business Engagement Organizational Pushing Excellent excellence boundaries service Exploring Opportunities Horizonal & Vertical 33
Slide 34: A significant advantage in efficiency rates
A significant advantage in efficiency rates Via advanced technology and high operational optimization °° DIRECT e e INSURANCE Automation Advancing with robots, bots, and Al applications Automated service, sales, underwriting processes Digital Reducing time leadership and Optimizing Unique wey claim
Slide 35: Innovation Enabling Competitive Offering
°,° DIRECT o°e INSURANCE Innovation Enabling Competitive Offering Pricing and Enhanced value for Customers S Value Offers to Innovation Embedding dozens customers HUB of innovative club benefits, DIRECTLAB °+: applications bundles, etc. in business processes @ Cross Company GEN Al organizational app
Slide 36: DIRECTLAB: Direct Insurance's innovations
DIRECTLAB::: Direct Insurance's innovations We have developed a Structured and Focused screening process designed to identify startups with higher potential to enhance the value chain In cooperation with the Japanese insurance giant MSI °,° DIRECT INSURANCE Exposure to 330 startups 13 Implementation
Slide 37: Customer Centric Approach
Customer Centric Approach Maximizing Customer Engagement Digital and Human CX] Experience customer A unique Customer club Enhancing Customer Tenure Personalization based on Customer's Profile Family-Oriented Value Offers 37
Slide 38: Ranked First in Finance and Insurance in BDI Survey
nivra °,° ye Direct Insurance Ranked First in Finance and Insurance Category in the BDI Survey High-Quality, committed and satisfied workforce Consistently Ranked Among Top High-Tech Companies and First in the Financial Sector for Several Years* Anviia Nvidia 1 Google Google 2 Hi Microsoft Microsoft
Slide 39: Thank you.
Thank you. 3°. INSURANCE The future | moves fast ‘and so do we.
I.D.I. Insurance Company Ltd. (Direct Insurance) — Investor Presentation (May 2025) on 6ix