| Current period | Year (-1) | Year (-2) | Current period | Year (-1) | Year (-2) | ||
| Consolidated | Consolidated | Consolidated | Company | Company | Company | ||
| 1 | 1 | 1 | 2 | 2 | 2 | ||
| Wages and related | 1 | ||||||
| Data processing and computer maintenance | 2 | ||||||
| Payments to international credit card organizations | 3 | ||||||
| Fees to other issuers | 4 | ||||||
| Depreciation and amortization | 5 | ||||||
| Communications | 6 | ||||||
| Issue and mailing of cards | 7 | ||||||
| Clearinghouse fees (Shva and Masab companies) | 8 | ||||||
| Damage caused by misuse of cards | 9 | ||||||
| Motor vehicle maintenance | 10 | ||||||
| Rent and building maintenance | 11 | ||||||
| Payment of fines to Bank of Israel | 12 | ||||||
| Other | 13 | ||||||
| Total operating expenses | 14 | ||||||
| Thereof: originating in share-based payment transactions | 15 | ||||||
| Thereof: originating in share-based payments cleared by means of capital instruments | 16 | ||||||