Contact Financial Holding Sae · EGX:CNFN
Contact Financial Holding Sae — Contact Financial Holding — H1 2025 Earnings Presentation
45 slides from Contact Financial Holding Sae's earnings presentation, 2025
Slide 1: Results Presentation 1H-2025
Results Presentation 1H-2025
Slide 2: Disclaimer
Introduction Disclaimer This presentation has been prepared by Contact Financial Holding (the “Company”. The distribution of this presentation in certain jurisdictions may be restricted by law and persons into whose possession this presentation comes should inform themselves about, and observe, any
Slide 3: Agenda
AGENDA 1 Introduction 4 2 Our Edge 7 3 Digital Platforms 20 4 Debt Capital Markets 25 5 Africa Expansion 28 6 1H-2025 Performance Review 30 7 Appendix 41
Slide 4: Introduction
ion Introduct ~
Slide 5: At a Glance
Introduction At a Glance Egypt’s leading non-bank financial services provider Group Structure 1st EGX Consumer Finance License in Egypt with +20yrs and Largest Consumer Finance Player in the Listed Since 2018 Under the Ticker CNFN.CA Market Offering Innovative Financial Services Financial Holding EG
Slide 6: Results Snapshot
Introduction Results Snapshot Contact delivered a solid operating performance in 1H-2025, mainly on the back of strong results at the financing division. Meanwhile, increased costs weighed on the Group’s bottom-line results during the six-month period EGP 1.1 bn EGP 163.6 mn 7.1% Consolidated Total
Slide 7: A New CEO
Introduction A New CEO Building on the solid foundation laid by the founders, Contact appointed John Saad as the Group’s new CEO, with Zater being appointed as Vice Chairman of the Board of Directors and Hazem Moussa continues to act as the group’s Chairman John Saad brings over 20 years of diverse
Slide 8: Our Edge
Our Edge
Slide 9: How We Differentiate Ourselves
Our Edge How We Differentiate Ourselves Highly experienced management Highly team Targets the profitable banked & operation unbanked population Contact has established itself into a prominent Superior Widest product market player with a solid funding capabilities offering in the market base and robu
Slide 10: Well-Defined Growth Strategy
Our Edge – Well-Defined Growth Strategy Well-Defined Growth Strategy Contact has a clear vision for the business with a well-defined growth strategy to achieve it Contact Today A B C D E The widest product Fully digitized proprietary Strong physical & digital Superior funding Highly profitable offer
Slide 11: What We Do
Our Edge – What We Do What We Do Contact is Egypt’s largest non-bank financial services provider and has been actively changing the way businesses and individuals access financial and insurance services over the past twenty years. Financing 87% Insurance 14% Financing products targeting Egypt’s bank
Slide 12: Diversified and Synergistic Product Base Driving Growth Across All Segments
Our Edge – Diversified Product Base Diversified and Synergistic Product Base Driving Growth Across All Segments Broad & Increasingly Diversified Consumer Finance Offering New Lending Breakdown by Product for 2019 New Lending Breakdown by Product for 1H-2025 4% 2% 4% 6% 4% 5% 6% 10% 19% 49% 72% 19% A
Slide 13: Proprietary AI Instant Credit Scoring Engine
Our Edge – Exceptional Credit Scoring Engine Proprietary AI Instant Credit Scoring Engine Unique Credit Assessment Approach through Creditech Distinctive credit assessment methodology refined over +20 years of financing experience Loan disbursed or application Credit application submitted Data asses
Slide 14: Our Edge – Wide Market Coverage
Our Edge – Wide Market Coverage Market-wide Coverage Including Banked and Unbanked Population Powered by Physical Presence … Expanding the branch network in high-potential areas outside the main cities Wide Geographical Footprint took place throughout 2021, 2022, 2023 and 2024 Zamalek Sharm El Sheik
Slide 15: … And A Diversified Digital Distribution Network
Our Edge – Wide Market Coverage … And A Diversified Digital Distribution Network Direct to Consumer Distribution (DTC) Lending as a Service (LaaS) 15
Slide 16: A Digital One-Stop-Shop for all Financial Needs
Our Edge – A Digital One-Stop-Shop A Digital One-Stop-Shop for all Financial Needs Relaunched in January 2023, the ContactNow app is Egypt’s first fully-fledged app offering the full suite of digital financial solutions, and is licensed by the FRA to offer fully digital consumer finance services A D
Slide 17: 20+ Years of Strong Track Record of Credit Extension & Collection
Our Edge – Solid Track Record 20+ Years of Strong Track Record of Credit Extension & Collection Track Record of Growth and Operational Evolution Rise Up Successful product deployment on the back of market know-how LaaS Insurance Insurance Credit Credit Specialized Specialized Consumer Credit Consume
Slide 18: A Diversified, Highly Liquid Funding Base
Our Edge – Diversified Funding Base A Diversified, Highly Liquid Funding Base Funding Strategy Overview Overview of 1H-2025 Funding Base Amounts in EGP MN Utilized Available Diversified funding base enabling consistent liquidity with efficient pricing A B C D E 26,286 6,118 Fixed rate to match portf
Slide 19: Funding Driven by Continued Innovation in the DCM Space
Our Edge – An Innovator in the DCM Space Funding Driven by Continued Innovation in the DCM Space1 Overview of Debt Capital Markets Activities DCM Segment Highlights • Originally established to deepen Egypt’s debt capital markets and further enhance the Group’s availability and cost of funding, Conta
Slide 20: Consistent Growth and Expansion
Our Edge – Historical Performance Consistent Growth and Expansion By leveraging its growing digital presence and its increasingly broad reach and service offering, underpinned by its ever- expanding insurance offering, Contact is able to navigate challenging market conditions and a difficult macroec
Slide 21: Digital Platforms
Digital Platforms -
Slide 22: A Digital Business
Digital Platforms A Digital Business Contact is actively working on building a “Data Driven Organization” where data is a foundational asset across all levels of decision-making to drive intelligence, agility, and competitive differentiation Increase Create new Maintain market Contact’s Improve Reta
Slide 23: Digital Platforms – Contactcars.com
Digital Platforms – Contact Cars Digital Platforms – Contactcars.com The portal, originally set up in 2002, was relaunched in 2021 as a stand-alone business as part of Contact’s strategy to position itself as a symbol of trust, innovation, and customer-centricity by consistently delivering personali
Slide 24: Digital Platforms – ContactNow
Digital Platforms – ContactNow Digital Platforms – ContactNow As Contact continues its progressive transformation journey, the Company rolled out its ContactNow app in early 2021 (relaunched in 2023) with the platform rapidly rising in popularity ever since The ContactNow app ContactNow has partnere
Slide 25: Digital Platforms – Bravo
Digital Platforms – Wasla Digital Platforms – Bravo Aligning structure with strategy has become essential to unlocking long-term value and sustaining competitive advantage. On that front, in February 2022 Contact concluded a USD 9 million investment in e-commerce super-app Bravo, further expanding t
Slide 26: Debt Capital Markets
Debt Capital Markets
Slide 27: Overview of the Debt Capital Markets
Debt Capital Markets Overview of the Debt Capital Markets1 Overview of Debt Capital Markets Activities DCM Segment Highlights • Originally established to deepen Egypt’s debt capital markets and further enhance the Group’s availability and cost of funding 43 • Through debt capital markets, Contact re
Slide 28: Overview of the Debt Capital Markets
Debt Capital Markets Overview of the Debt Capital Markets Egypt’s Leading DCM Player with a Proven Record of Executing Transactions in Challenging Market Conditions, Safeguarding the Group’s Liquidity Requirements 2022 2023 2024 2022 Issued despite Issued despite Issued despite Issued despite ongoin
Slide 29: Africa Expansion
Africa Expansion
Slide 30: The Perfect Opportunity for Further Expansion
Africa Expansion The Perfect Opportunity for Further Expansion A partnership between Contact and Mansour Group, Almasi currently provides leasing services and plans to expand its offering to consumer financing and auto loans in the coming period. Expanding into Kenya and other emerging African marke
Slide 31: 1H-2025 Performance Review
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Slide 32: Comprehensive Financing Offering
1H-2025 Performance Review Comprehensive Financing Offering An improved operating environment supported new lending growth at Contact across most segments during 1H-2025. In parallel Contact continues to actively manage its risk levels by tightening the credit investigation process and focusing on h
Slide 33: Financing Division – Solid Results Across Financing Segments
1H-2025 Performance Review Financing Division – Solid Results Across Financing Segments Total new financing extended in 1H-2025 expanded by 7% year-on-year to EGP 5.12 billion, with the Trucks, Shopping, Working Capital, and Mortgage segments all reporting year-on-year growth during the period on th
Slide 34: Financing Division – Increasingly Diversified Portfolio with Favorable Margins
1H-2025 Performance Review Financing Division – Increasingly Diversified Portfolio with Favorable Margins Contact’s financing portfolio contracted remained largely stable year-on-year at EGP 20.26 million in 1H-2025. During the period, Contact continued to focus on enhancing the quality of its portf
Slide 35: Financing Division – Solid Results Across all Financing Revenue Components
1H-2025 Performance Review Financing Division – Solid Results Across all Financing Revenue Components The financing division delivered a strong performance in 1H-2025 on the back of the shift in focus towards higher margin products, coupled with strong returns associated with portfolio transfer acti
Slide 36: Financing Division – High-Quality Portfolio in the Midst of Challenging Market Conditions
1H-2025 Performance Review Financing Division – High-Quality Portfolio in the Midst of Challenging Market Conditions Contact’s PaR 150+ delinquencies (Portfolio at Risk) ratio as at June 2025 stood at 4.4% 150+ Days Portfolio at Risk 4.4% 3.6% 3.4% 3.2% 2.3% FY-2022 FY-2023 FY-2024 1H-2024 1H-2025 C
Slide 37: Financing Division – Elevated operating costs weighed on bottom-line profitability
1H-2025 Performance Review Financing Division – Elevated operating costs weighed on bottom-line profitability Net income at the financing division shrank by 18% y-o-y in 1H-2025 as higher operating costs weighed on the division’s bottom- line results Operating Costs and Cost to Income | EGP mn, % Fi
Slide 38: Insurance Division – Operational and Business Developments – 1H-2025
1H-2025 Performance Review Insurance Division – Operational and Business Developments – 1H-2025 While gross written premiums generated by both insurance companies reported solid year-on-year growth in 1H-2025, driven by the ramp up of new products and increased cross-selling, the division’s results
Slide 39: Insurance Division – Performance Review
1H-2025 Performance Review Insurance Division – Performance Review1 Insurance Revenue| EGP mn Underwriting Income | EGP mn 61% 5% 1,327 Insurance revenue rose by 61% 25 Underwriting income increased year-on-year to EGP 1.3 billion in by 5% year-on-year to EGP 25 822 1H-2025. million in 1H-2025. 23 1
Slide 40: Consolidated Performance – Income Statement
1H-2025 Performance Review Consolidated Performance – Income Statement Elevated costs across the board more than offset the strong operating performance at the financing division in 1H-2025, weighing on the Group’s consolidated performance Consolidated Operating Expenses | EGP mn Total Operating Inc
Slide 41: Consolidated Performance – Income Statement
1H-2025 Performance Review Consolidated Performance – Income Statement Consolidated normalized net income after minorities fell by 17% year-on-year to EGP 164 million in 1H-2025 Normalized Net Income1, 2| EGP mn Consolidated Return on Equity | % Adjustments -17% Actual Net Income 11.4% 197 29 164 41
Slide 42: Appendix
Appendix
Slide 43: Financing Business Income Statement
Appendix Financing Business Income Statement 1H-2024 1H-2025 change (1H-2024 vs 1H-2025) Revenue from Portfolio Transfer 273,753.8 318,844.7 16% Off Balance Sheet Portfolio Management Fee 183,370.1 187,802.2 2% Securitization Surplus / Deficit 8,182.1 5,446.3 -33% Early Payment Expense - Sukuk/Disco
Slide 44: Insurance Business Income Statement
Appendix Insurance Business Income Statement 1H-2024 1H-2025 change (1H-2024 vs 1H-2025) Insurance Revenue 821,899.7 1,326,700.3 61% Insurance Service Expenses (827,067.7) (1,257,523.3) 52% Insurance Activity Surplus (Deficit) (5,168.0) 69,177.0 N/A Reinsurance expenses (226,336.0) (426,761.6) 89% R
Slide 45: Consolidated Income Statement
Appendix Consolidated Income Statement Financing Business 1H-2024 1H-2025 change (1H-2024 vs 1H-2025) Revenue from Portfolio Transfer 273,753.8 318,844.7 16% Off Balance Sheet Portfolio Management Fee 183,370.1 187,802.2 2% Securitization Surplus / Deficit 8,182.1 5,446.3 -33% Early Payment Expense
Contact Financial Holding — H1 2025 Earnings Presentation on 6ix