Isracard Balance Sheet

Financials in millions ILS. Fiscal year is January - December.

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	485	994	894	1,846	4,624
Long-Term Investments	149	109	86	115	106
Loans & Lease Receivables	25,650	22,980	20,229	19,399	16,598
Other Receivables	-	18	14	20	10
Property, Plant & Equipment	501	369	376	395	406
Goodwill	21	21	21	22	-
Other Intangible Assets	-	320	311	298	270
Other Current Assets	-	339	336	369	143
Long-Term Deferred Tax Assets	-	444	245	218	277
Long-Term Deferred Charges	-	2	1	1	2
Other Long-Term Assets	1,077	-	-	-	-
Total Assets	27,883	25,596	22,513	22,683	22,436
Interest Bearing Deposits	-	1	1	1	1
Total Deposits	-	1	1	1	1
Accrued Expenses	-	621	562	599	563
Current Portion of Leases	-	28	33	33	33
Long-Term Debt	3,966	2,159	1,893	750	1,103
Long-Term Leases	-	253	260	277	302
Long-Term Unearned Revenue	-	157	141	138	127
Other Current Liabilities	-	18,692	16,166	17,636	17,234
Long-Term Deferred Tax Liabilities	-	1	1	-	-
Other Long-Term Liabilities	20,715	467	400	399	258
Total Liabilities	24,681	22,422	19,503	19,877	19,659
Common Stock	3,202	-	-	-	-
Additional Paid-In Capital	-	126	109	91	79
Retained Earnings	-	3,055	2,890	2,715	2,709
Comprehensive Income & Other	-	-7	-2	-12	-11
Total Common Equity	3,202	3,174	2,997	2,794	2,777
Minority Interest	-	-	13	12	-
Shareholders' Equity	3,202	3,174	3,010	2,806	2,777
Total Liabilities & Equity	27,883	25,596	22,513	22,683	22,436
Total Debt	3,966	2,440	2,186	1,060	1,438
Net Cash (Debt)	-3,481	-1,446	-1,292	786	3,186
Net Cash Growth	-	-	-	-75.33%	-
Net Cash Per Share	-	-7.13	-6.44	3.93	15.93
Filing Date Shares Outstanding	-	202.16	200.24	200.24	200
Total Common Shares Outstanding	-	201.9	200.24	200.24	200
Working Capital	26,135	4,946	4,665	3,321	3,506
Book Value Per Share	-	15.72	14.97	13.95	13.88
Tangible Book Value	3,181	2,833	2,665	2,474	2,507
Tangible Book Value Per Share	-	14.03	13.31	12.35	12.54

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.