I.d.i. Insurance Company Ltd. · TASE:IDIN
I.d.i. Insurance — Q2 2026 Earnings Presentation
40 slides from I.d.i. Insurance's earnings presentation, August 2026
Slide 1: Second Quarter 2026 Summary
Second Quarter 2026 Summary Investor Presentation | August 2026
Slide 2: Legal Disclaimer
• The information included in this presentation is based on what was included in the periodic report of IDI Insurance Company Ltd. (hereinafter: the "Company") for June 30, 2026, as well as on previous presentations and reports published by the Company, but does not replace review of the Company's a
Slide 3: Concluding another quarter of Strong Performance
Concluding another quarter of Strong Performance Q2 | First Half | 2026 Return on equity Comprehensive income Total premiums 36% 32% 117 206 906 1.91 4- 6/2026 1- 6/2026 NIS Million NIS Million NIS Million NIS billion In annual terms In annual terms 4- 6/2026 1- 6/2026 4- 6/2026 1- 6/2026 Investment
Slide 4: Comprehensive Income after tax
Comprehensive Income after tax Profitability Second Quarter First Half 206 190 117 101 4- 6.2025 4- 6.2026 1- 6.2025 1- 6.2026 In millions of NIS. 4
Slide 5: Growth in Gross Premiums over the years
Growth Growth in Gross Premiums over the years Continued growth in policy count across all business segments 2,072 2,025 1,939 1,912 1,543 1,816 1,436 1,336 1,343 1,199 1,230 1,215 1,170 1- 6/2017 1- 6/2018 1- 6/2019 1- 6/2020 1- 6/2021 1- 6/2022 1- 6/2023 1- 6/2024 1- 6/2025 1- 6/2026 Premiums Prem
Slide 6: Quarterly profit over time
Growth Quarterly profit over time 117.2 106.2 101.2 95.4 92.3 89.0 89.0 84.7 65.6 52.7 1- 3/2024 4- 6/2024 6- 9/2024 10- 12/2024 1- 3/2025 4- 6/2025 6- 9/2025 10- 12/2025 1- 3/2026 4- 6/2026 Total Profit Total profit after tax, all periods measured according to IFRS 17 standard in NIS million 6
Slide 7: Return on Equity
Profitability Return on Equity * Second Quarter First Half 35% 36% 33% 32% 4- 6.2025 4- 6.2026 1- 6.2025 1- 6.2026 * Return on equity in annual terms. 7
Slide 8: Growth in Premiums by Segment
Profitability Growth in Premiums by Segment Second Quarter 487 14% *456 Growth in Health and Critical Illness 172 175 95 99 93 96 75 79 4- 6.2025 4- 6.2026 4- 6.2025 4- 6.2026 4- 6.2025 4- 6.2026 4- 6.2025 4- 6.2026 4- 6.2025 4- 6.2026 Casco MBI Home,Business and Liability Life Health Continuous inc
Slide 9: Company-wide Income from Insurance Services, net of Operational Expenses
Profitability Company- wide Income from Insurance Services, net of Operational Expenses Second Quarter First Half 286 232 156 118 4- 6.2025 4- 6.2026 1- 6.2025 1- 6.2026 Millions of NIS before tax. Operating expenses from operating segments, excluding expenses for investment contracts. 9
Slide 10: Finance Expenses from Insurance Contracts
Finance Expenses from Insurance Contracts Second Quarter First Half 4- 6.2025 4- 6.2026 1- 6.2025 1- 6.2026 - 12 - 24 - 38 - 59 In NIS million, before tax. Includes indexing, changes in yield curve and accumulated interest. 10
Slide 11: Investment Income - Nostro
Investment Income - Nostro Average scope of investment portfolio Approx. 4.5 Second Quarter First Half Investment Portfolio A well- diversified and resilient investment Yield in Yield in portfolio generating attractive yields annual annual terms terms 5.7% 5.4% Yield in Yield in annual annual terms
Slide 12: Casco
Casco Income from insurance services, net of Income from insurance services, net of operating expenses – Second Quarter operating expenses - First Half 167 130 85 79 4- 6.2025 4- 6.2026 1- 6.2025 1- 6.2026 In millions of NIS before tax. 12
Slide 13: Casco
Casco Growing and Leading in Market Share Car insurance market share * Direct Disciplined underwriting Insurance Consistent balance between 12.6% combined with data - driven, growth in business volume differentiated pricing and profitability The Other Companies Company A 34.3% 11.5% Efficient Compan
Slide 14: MBI
MBI Casco supplemental product Income from insurance services, net of Income from insurance services, net of operating expenses – Second Quarter operating expenses – First Half 13 8 - 16 - 16 4- 6.2025 4- 6.2026 1- 6.2025 1- 6.2026 In millions of NIS before tax. 14
Slide 15: Other Property and Liability
Other Property and Liability * Income from insurance services, net of Income from insurance services, net of operating expenses – Second Quarter operating expenses – First Half 31 21 16 11 4- 6.2025 4- 6.2026 1- 6.2025 1- 6.2026 *Mainly a homeowners insurance product, appears under 'Other’ line item
Slide 16: Other Property and Liability
Other Property and Liability An Anchor of Stability and Profitability One of the industry ’s highest High cross - sell ratio of customers renewal rates, reflecting high holding both motor and homeowners customer loyalty insurance Demonstrating sustained Reinsurance backing for growth and profitabili
Slide 17: Life Insurance - Risk
Life Insurance - Risk Income from insurance services, net of Income from insurance services, net of operating expenses – Second Quarter operating expenses – First Half 49 14 13 13 4- 6.2025 4- 6.2026 1- 6.2025 1- 6.2026 Lower profitability in the First Half due to higher - than- average claims volum
Slide 18: Life Insurance
Life Insurance Risk - A Growth Subsegment Leaders in Mortgage Insurance Pure risk 17% of A profitable and growing line of business Approx. mortgages (by amount) on the market are insured by Direct Mortgage Expanding direct Insurance* operations and discontinuing bank agency channels *The rate is cal
Slide 19: Health Insurance
Health Insurance Health - A Growth Subsegment Income from insurance services, net of Income from insurance services, net of operating expenses – Second Quarter operating expenses – First Half 62 34 47 30 4- 6.2025 4- 6.2026 1- 6.2025 1- 6.2026 In millions of NIS before tax. 19
Slide 20: Health Insurance
Health Insurance Growth Engines 14% 12% Growth in Growth Health and Critical illnesses * Medical Critical Growth in Excellent expenses illnesses Travel product with insurance quality service Full freedom Consistent double - digit Ongoing expansion and of choice for growth in policy enhancement of pa
Slide 21: CSM & RA
Growth CSM* & RA** Growth in CSM 1,051 987 877 707 655 515 216 234 247 362 95 332 107 344 109 121 127 138 CSM RA CSM RA CSM RA 1.1.24 31.12.25 30.06.26 Life Health *Contractual service margin (CSM) - Expected profit from provision of insurance coverage . Recognized as profit across the insurance con
Slide 22: Dividend and Dividend Yield
Dividend and Dividend Yield Dividend declared Average 5- year Dividend Distribution threshold from Q2 2026 earnings dividend yield distribution policy conditions NIS 80 50% million 7.2% At least of annual income 120% solvency in Representing ~ 68% of period earnings 1.3 Since 2018, ~NIS billion divi
Slide 23: Capital Development
Capital Development 1,335 1,268 1,118 * 1,010 862 856 926 814 ; 641 525 IFRS 4 IFRS 17 12/2018 12/2019 12/2020 12/2021 12/2022 12/2023 12/2024 12/2025 06/2026 Capital Capital after IFRS17 In NIS million * Including the effect of the initial application of IFRS 17on January 1, 2024, totaling ~NIS 84
Slide 24: Reported Solvency Ratio
Reported Solvency Ratio As of December 31, 2025 2,046 *134% Solvency ratio 523 Rating The Company is rated Aa 2 Tier 2 capital is 1,523 rated A 1 According to Midroog 2025 Solvency capital requirement (SCR) Excess capital *After reflecting a ~NIS 140 million dividend declared in March and May 2026 I
Slide 25: Financial data by segment
Financial data by segment 25
Slide 26: Casco
Casco Second Quarter First Half 4- 6/26 4- 6/25 1- 6/26 1- 6/25 Gross premiums net of Gross premiums net of Civil Servants Tender 456.2 487.1 Civil Servants Tender 980.4 1,050.1 premiums** premiums** 6%- Income from insurance Income from insurance 7%- 92.9 88.1 181.3 146.7 Decrease in services servi
Slide 27: MBI
MBI Second Quarter First Half 4- 6/26 4- 6/25 1- 6/26 1- 6/25 Gross premiums net of Gross premiums net of Civil Servants Tender 175.1 171.6 Civil Servants Tender 373.7 358.8 premiums** premiums** Income from insurance 2% Income from insurance 10.2 (13.8) services 18.1 (10.2) 4% services Growth in Gr
Slide 28: Other Property and Liability
Other Property and Liability Quarterly 7- 9 Second Quarter First Half 4- 6/26 4- 6/25 1- 6/26 1- 6/25 Gross premiums net of Gross premiums net of Civil Servants Tender 99.0 94.6 Civil Servants Tender 208.1 196.8 premiums** premiums** Income from insurance 18.2 13.2 Income from insurance 34.5 25.3 6%
Slide 29: Life Insurance
Life Insurance Quarterly 7- 9 Second Quarter First Half 4- 6/26 4- 6/25 1- 6/26 1- 6/25 Gross premiums 96.4 92.8 Gross premiums 192.0 184.4 Income from Income from 16.3 17.4 18.9 55.1 insurance services insurance services 4% 4% Growth in Growth in Income from Income from Premiums Premiums insurance
Slide 30: Health
Health Quarterly 7- 9 Second Quarter First Half 4- 6/26 4- 6/25 1- 6/26 1- 6/25 Gross premiums 79.4 74.8 Gross premiums 157.4 148.5 Income from Income from 36.1 32.2 66.3 51.6 14% insurance services insurance services 14% Growth in Health Growth in Health Premiums and Income from Income from Premium
Slide 31: Finance expenses arising from insurance contracts
Finance expenses arising from insurance contracts First Half and Second Quarter 1. The effects of changes in the interest rate curve and the index on gross profit intensified with the transition to IFRS 17 2. Thanks to the structure of the Direct Insurance portfolio, there is partial hedging between
Slide 32: Business Focus
Business Focus 32
Slide 33: The Pioneer and Leader of the Direct Insurance Model in Israel
The Pioneer and Leader of the Direct Insurance Model in Israel Efficiency and price A digital leader A fast, A wide range of products for A direct model that allows in enabling seamless personalized individuals and families , competitive pricing and policy purchase and customer specializing in car a
Slide 34: Concluding another quarter of Strong Performance
Concluding another quarter of Strong Performance Q2/26 Higher Technological Growth profitability innovation Expanding partnerships Disciplined Underwriting & Growth in customer Sustainable Balancing of Completion of the upgrade of Claims base and total profitability and growth most core infrastructu
Slide 35: Key Growth Drivers
Key Growth Drivers Organic, profitable growth across core businesses Strong growth momentum and AI Integration Development of financial products for families and expanding activity across the Company ’s core individuals Such as: in health and business activities savings policies, credit travel. card
Slide 36: AI Solutions Integrated into Core Business Operations
AI Solutions Integrated into Core Business Operations Empowering Enhancing Customer Employees with AI Experience Capabilities Examples: Operational Excellence • Implementing intra - • "Nina" – Car - related bot in 9 organizational tools through AI Integration Across insurance app • Cross - enterpris
Slide 37: The Customer as Strategic Asset
The Customer as Strategic Asset Direct Insurance as a Customer - Centric Company Leveraging the relative advantage to increase product offering and customer tenure across insurance and financial products Direct customer A strong, well - A comprehensive Strong, The only Growth in engagement and recog
Slide 38: Strategic Partnerships
Strategic Partnerships * As a Business Growth Engine Motor Travel policies Mortgage Combined 38 * Partial list
Slide 39: A quarter of achievements
A quarter of achievements Winning the Defense Minister' s Shield Maximum rating in the Maala Index 6th place in the BDI ranking The only financial company to win the Platinum+ in environment, social and And first in the finance sector among award for employers who support corporate governance, accor
Slide 40: Thank you. Continuing full speed ahead
DIRECT INSURANCE Thank you. Continuing full speed ahead