Libra Insurance Company (LBRA) investor relations material

Executive summary

• Achieved strong growth in both general and life insurance segments, with significant increases in gross premiums and profitability year-over-year and quarter-over-quarter.

• Continued digital innovation, including the successful expansion of the Chik insurance product for young and occasional drivers, and strategic partnerships to drive growth in life insurance.

• Maintained high customer satisfaction, leading industry service rankings, and received multiple awards for product innovation and corporate responsibility.

Financial highlights

• Gross premiums in general insurance rose by 16% year-over-year to ₪527.7 million for H1 2026; life insurance premiums more than doubled to ₪10.7 million.

• Net profit for H1 2026 reached ₪53.2 million, up from ₪39.5 million in H1 2025; Q2 2026 net profit was ₪28.0 million, up from ₪23.0 million in Q2 2025.

• Return on equity for H1 2026 was 47%, compared to 57% in H1 2025; Q2 2026 ROE was 44%.

• Total assets as of June 30, 2026, were ₪1.28 billion, up 16% from the prior year.

• Dividend of ₪10 million declared and paid during the period.

Outlook and guidance

• Expects continued growth in both general and life insurance, leveraging digital platforms and AI-driven personalized pricing.

• Anticipates further expansion in life insurance through strategic partnerships and ongoing product innovation.

• Closely monitoring macroeconomic and geopolitical developments, with cautious optimism for sustained performance.