Isracard Balance Sheet

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	621	994	894	1,846	4,624	118
Long-Term Investments	168	109	86	115	106	86
Loans & Lease Receivables	26,017	22,980	20,229	19,399	16,598	22,803
Other Receivables	-	18	14	20	10	13
Property, Plant & Equipment	502	369	376	395	406	195
Goodwill	21	21	21	22	-	-
Other Intangible Assets	-	320	311	298	270	242
Other Current Assets	8	339	336	369	143	186
Long-Term Deferred Tax Assets	-	444	245	218	277	270
Long-Term Deferred Charges	-	2	1	1	2	4
Total Assets	28,485	25,596	22,513	22,683	22,436	23,917
Interest Bearing Deposits	1	1	1	1	1	1
Total Deposits	1	1	1	1	1	1
Accrued Expenses	382	621	562	599	563	503
Short-Term Debt	-	-	-	-	-	3,383
Current Portion of Leases	-	28	33	33	33	22
Long-Term Debt	3,346	2,159	1,893	750	1,103	1,753
Long-Term Leases	-	253	260	277	302	52
Long-Term Unearned Revenue	-	157	141	138	127	148
Other Current Liabilities	20,370	18,692	16,166	17,636	17,234	15,275
Long-Term Deferred Tax Liabilities	-	1	1	-	-	9
Other Long-Term Liabilities	1,217	467	400	399	258	283
Total Liabilities	25,353	22,422	19,503	19,877	19,659	21,471
Additional Paid-In Capital	1,371	126	109	91	79	79
Retained Earnings	1,650	3,055	2,890	2,715	2,709	2,394
Comprehensive Income & Other	111	-7	-2	-12	-11	-27
Total Common Equity	3,132	3,174	2,997	2,794	2,777	2,446
Minority Interest	-	-	13	12	-	-
Shareholders' Equity	3,132	3,174	3,010	2,806	2,777	2,446
Total Liabilities & Equity	28,485	25,596	22,513	22,683	22,436	23,917
Total Debt	3,346	2,440	2,186	1,060	1,438	5,210
Net Cash (Debt)	-2,725	-1,446	-1,292	786	3,186	-5,092
Net Cash Growth	-	-	-	-75.33%	-	-
Net Cash Per Share	-11.98	-7.13	-6.44	3.93	15.93	-25.46
Filing Date Shares Outstanding	304.31	202.16	200.24	200.24	200	200
Total Common Shares Outstanding	304.31	201.9	200.24	200.24	200	200
Working Capital	5,856	4,946	4,665	3,321	3,506	3,894
Book Value Per Share	10.29	15.72	14.97	13.95	13.88	12.23
Tangible Book Value	3,111	2,833	2,665	2,474	2,507	2,204
Tangible Book Value Per Share	10.22	14.03	13.31	12.35	12.54	11.02

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