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	2015 - 2019
Period Ending	Mar '25 Mar 31, 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	2015 - 2019
Cash & Equivalents	1,400	994	894	1,846	4,624	118	Upgrade
Long-Term Investments	110	109	86	115	106	86	Upgrade
Loans & Lease Receivables	23,573	22,980	20,229	19,399	16,598	22,803	Upgrade
Other Receivables	-	18	14	20	10	13	Upgrade
Property, Plant & Equipment	479	369	376	395	406	195	Upgrade
Goodwill	21	21	21	22	-	-	Upgrade
Other Intangible Assets	-	320	311	298	270	242	Upgrade
Other Current Assets	-	339	336	369	143	186	Upgrade
Long-Term Deferred Tax Assets	-	444	245	218	277	270	Upgrade
Long-Term Deferred Charges	-	2	1	1	2	4	Upgrade
Total Assets	26,657	25,596	22,513	22,683	22,436	23,917	Upgrade
Interest Bearing Deposits	-	1	1	1	1	1	Upgrade
Total Deposits	-	1	1	1	1	1	Upgrade
Accrued Expenses	-	621	562	599	563	503	Upgrade
Short-Term Debt	-	-	-	-	-	3,383	Upgrade
Current Portion of Leases	-	28	33	33	33	22	Upgrade
Long-Term Debt	2,638	2,159	1,893	750	1,103	1,753	Upgrade
Long-Term Leases	-	253	260	277	302	52	Upgrade
Long-Term Unearned Revenue	-	157	141	138	127	148	Upgrade
Other Current Liabilities	-	18,692	16,166	17,636	17,234	15,275	Upgrade
Long-Term Deferred Tax Liabilities	-	1	1	-	-	9	Upgrade
Other Long-Term Liabilities	20,891	467	400	399	258	283	Upgrade
Total Liabilities	23,529	22,422	19,503	19,877	19,659	21,471	Upgrade
Additional Paid-In Capital	-	126	109	91	79	79	Upgrade
Retained Earnings	-	3,055	2,890	2,715	2,709	2,394	Upgrade
Comprehensive Income & Other	-	-7	-2	-12	-11	-27	Upgrade
Total Common Equity	3,128	3,174	2,997	2,794	2,777	2,446	Upgrade
Minority Interest	-	-	13	12	-	-	Upgrade
Shareholders' Equity	3,128	3,174	3,010	2,806	2,777	2,446	Upgrade
Total Liabilities & Equity	26,657	25,596	22,513	22,683	22,436	23,917	Upgrade
Total Debt	2,638	2,440	2,186	1,060	1,438	5,210	Upgrade
Net Cash (Debt)	-1,238	-1,446	-1,292	786	3,186	-5,092	Upgrade
Net Cash Growth	-	-	-	-75.33%	-	-	Upgrade
Net Cash Per Share	-6.06	-7.13	-6.44	3.93	15.93	-25.46	Upgrade
Filing Date Shares Outstanding	202.13	202.16	200.24	200.24	200	200	Upgrade
Total Common Shares Outstanding	202.13	201.9	200.24	200.24	200	200	Upgrade
Working Capital	24,973	4,946	4,665	3,321	3,506	3,894	Upgrade
Book Value Per Share	15.48	15.72	14.97	13.95	13.88	12.23	Upgrade
Tangible Book Value	3,107	2,833	2,665	2,474	2,507	2,204	Upgrade
Tangible Book Value Per Share	15.37	14.03	13.31	12.35	12.54	11.02	Upgrade

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