Isracard Balance Sheet

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	421	477	994	894	1,846	4,624
Long-Term Investments	150	149	109	86	115	106
Loans & Lease Receivables	25,224	25,656	22,980	20,229	19,399	16,598
Other Receivables	-	13	18	14	20	10
Property, Plant & Equipment	526	378	369	376	395	406
Goodwill	21	21	21	21	22	-
Other Intangible Assets	-	340	320	311	298	270
Other Current Assets	8	361	339	336	369	143
Long-Term Deferred Tax Assets	-	486	444	245	218	277
Long-Term Deferred Charges	-	2	2	1	1	2
Total Assets	27,620	27,883	25,596	22,513	22,683	22,436
Interest Bearing Deposits	1	1	1	1	1	1
Total Deposits	1	1	1	1	1	1
Accrued Expenses	379	599	621	562	599	563
Short-Term Debt	-	886	-	-	-	-
Current Portion of Leases	-	31	28	33	33	33
Long-Term Debt	4,411	3,080	2,159	1,893	750	1,103
Long-Term Leases	-	248	253	260	277	302
Long-Term Unearned Revenue	-	163	157	141	138	127
Other Current Liabilities	18,119	19,041	18,692	16,166	17,636	17,234
Long-Term Deferred Tax Liabilities	-	1	1	1	-	-
Other Long-Term Liabilities	1,416	596	467	400	399	258
Total Liabilities	24,366	24,681	22,422	19,503	19,877	19,659
Additional Paid-In Capital	1,371	1,371	8	5	91	79
Retained Earnings	1,761	1,716	3,055	2,890	2,715	2,709
Comprehensive Income & Other	122	115	111	102	-12	-11
Total Common Equity	3,254	3,202	3,174	2,997	2,794	2,777
Minority Interest	-	-	-	13	12	-
Shareholders' Equity	3,254	3,202	3,174	3,010	2,806	2,777
Total Liabilities & Equity	27,620	27,883	25,596	22,513	22,683	22,436
Total Debt	4,411	4,245	2,440	2,186	1,060	1,438
Net Cash (Debt)	-3,990	-3,768	-1,446	-1,292	786	3,186
Net Cash Growth	-	-	-	-	-75.33%	-
Net Cash Per Share	-13.79	-14.44	-7.13	-6.44	3.93	15.93
Filing Date Shares Outstanding	325.5	325.51	202.16	200.24	200.24	200
Total Common Shares Outstanding	325.5	325.46	201.9	200.24	200.24	200
Working Capital	7,114	5,914	4,946	4,665	3,321	3,506
Book Value Per Share	10.00	9.84	15.72	14.97	13.95	13.88
Tangible Book Value	3,233	2,841	2,833	2,665	2,474	2,507
Tangible Book Value Per Share	9.93	8.73	14.03	13.31	12.35	12.54