Contact Financial Holding Sae · EGX:CNFN
Contact Financial Holding Sae — Contact Financial Holding — Q1 2026 Earnings Presentation
30 slides from Contact Financial Holding Sae's earnings presentation, 2026
Slide 1: Earnings Release Presentation Q1-2026
Earnings Release Presentation Q1-2026
Slide 2: Agenda
AGENDA 1 Overview 3 2 Financing Segment Performance 13 3 AI Approval Engine 18 4 Insurance Segment Performance 20 5 Consolidated Performance 23 6 Appendix: Income Statements 25
Slide 3: Overview
Overview
Slide 4: Contact Financial Holding at a Glance
Earnings Release Presentation Q1-2026 Contact Financial Holding at a Glance Stock Performance1 EGX 1st Consumer Finance License CNFN.CA in Egypt with over two decades of expertise. Listed in EGX since 2018 under the ticker CNFN.CA Market Cap Listed Shares 4.82 bn EGP 1,196,974,000 Average Trading Vo
Slide 5: Driving Contact's Future of AI-Powered Finance
Earnings Release Presentation Q1-2026 Driving Contact’s Future of AI-Powered Finance “Contact has entered a new phase of growth following our management transition, reshaping operations into an agile, execution-driven model supported by a platform-based structure that replaces traditional silos. Thi
Slide 6: Welcoming our new Chairperson, Dr. Manal Hussein
Earnings Release Presentation Q1-2026 Following Hazem Moussa(CFH’s Co-Founder), we welcome our new Chairperson, Dr. Manal Hussein. Dr. Manal Hussein is a highly accomplished leader with over 30 years of experience across Egypt’s financial services, public, and private sectors. She has held prominent
Slide 7: Introducing our Board of Directors & new Chairperson
Earnings Release Presentation Q1-2026 Introducing our Board of Directors & our new Chairperson Dr. Manal Hussein Manal Hussein Chairperson Zeinab John Saad Ashraf Mohamed Mohamed Mohamed Sadek Sherif Salem Mostafa Al Omar Hashem Group Chief Zaki Arafa Board Member Barakat Anwar Barakat Executive Off
Slide 8: New Strategic Platforms
Earnings Release Presentation Q1-2026 New Strategic Platforms We have redefined our identity from a car lender to a fully diversified fintech group. Under one umbrella, we now deliver consumer financing, business financing propositions, insurance, and investment solutions, creating a unique value pr
Slide 9: New Management Team
Earnings Release Presentation Q1-2026 New Management Team John Saad Youssef Abdel-Ati Khaled Mohamed Riad Group Chief Executive Officer Group Chief Financial Officer CEO – Contact Credit 20+ years of leadership across telecom, 20 years in banking, including 7 in Dubai 35+ years driving growth, digit
Slide 10: New Management Team
Earnings Release Presentation Q1-2026 New Management Team Ahmed Hassanein Safeya Borhan Hazem ElHabrouk Sherif Bakir Group Chief Collection & Credit Group Chief Legal & Corporate Governmental Relations & Group Chief Commercial Officer Affairs Officer Administration Consultant Operations Officer 20+
Slide 11: Driving Growth and Operational Efficiency
Earnings Release Presentation Q1-2026 Driving Growth and Operational Efficiency "Contact delivered robust results in Q1 2026, reflecting the continued momentum of our transformation strategy and sustained growth across our core business lines. This strong start to the year, supported by new financin
Slide 12: Results Snapshot | Q1-2026
Earnings Release Presentation Q1-2026 Results Snapshot | Q1-2026 Consolidated Performance EGP 642 mn EGP 146 mn EGP 66 mn 6.9% Operating Income Earnings Before Tax Net Income ROAE +27%1 +18% +12% vs2 6.8% Financing EGP 2.9 bn EGP 19.2 bn EGP 542 mn 55.7% EGP 72 mn 2.0% 9.7% New Lending Outstanding P
Slide 13: Financing Segment Performance
Financing Segment Performance
Slide 14: Comprehensive Financing Offering | Q1-2026
Earnings Release Presentation Q1-2026 Comprehensive Financing Offering | Q1-2026 EGP 2.9 bn New Lending +41% Breakdown Auto & Lifestyle Consumer Credit Business EGP 1.5 bn EGP 453 mn EGP 985 mn +9% +80% +109% ✓Passenger Cars ✓Furniture ✓Leasing ✓Trucks ✓Insurance Credit ✓Contact Now ✓Factoring ✓Memb
Slide 15: Our Digital Platforms | Q1-2026
Earnings Release Presentation Q1-2026 Our Digital Platforms | Q1-2026 • 2.2 mn App Downloads • 1.4 mn Registrations • 1.5 mn Registrations • 68 mn Website views Note: all data are since inception except website views figure is Q1-2026 only. 15
Slide 16: Financing Segment – Solid Results Across Financing Segments
Earnings Release Presentation Q1-2026 Financing Segment – Solid Results Across Financing Segments | Q1-2026 New Lending by Asset Class Outstanding Portfolio by Asset Class Portfolio Breakdown 41% Q1- 19 bn 2 bn 2.9 bn 22% 2026 45% 21% 34% 50% 8% -5% 65% 16% 70% 20 bn Q1- 12% 44% 32% 24% 2025 34% 23%
Slide 17: Financing Segment Financial Performance | Q1-2026
Earnings Release Presentation Q1-2026 Financing Segment Financial Performance | Q1-2026 Operating Income Operating Expenses | Cost to Income% +46% Operating Expenses Cost to Income % 542 mn 75.8% 55.7% 372 mn +9% 273 mn 296 mn Q1-2025 Q1-2026 Q1-2025 Q1-2026 Earnings Before Tax Net Income +118% +170
Slide 18: AI Approval Engine
AI Approval Engine
Slide 19: AI Risk Analytics | Precision, Inclusion & Governance
Earnings Release Presentation Q1-2026 AI Risk Analytics| Precision, Inclusion & Governance As an FRA-regulated institution, the company utilizes its proprietary AI engine and expanded data points to ensure institutional oversight and enhance asset quality, while responsibly extending credit to under
Slide 20: Insurance Segment Performance
Insurance Segment Performance
Slide 21: Insurance Segment - Operational Performance | Q1-2026
Earnings Release Presentation Q1-2026 Insurance Segment - Operational Performance | Q1-2026 EGP 1.4 bn GWP +29% YOY +80% YOY +8% YOY Gross Written Premium Breakdown Sarwa Insurance Sarwa Life 1% 3% 4% 9% 1% Property Marine Term Motor Credit Life EGP 555 mn 36% Construction& Eng. EGP 825 mn 56% Savin
Slide 22: Insurance Segment Financial Performance | Q1-2026
Earnings Release Presentation Q1-2026 Insurance Segment Financial Performance | Q1-2026 Q1 insurance profitability was temporarily impacted by a bounded timing issue—specifically a concentration of late-2025 Group Medical claims. To drive underwriting income back into positive territory, management
Slide 23: Consolidated Performance
Consolidated Performance
Slide 24: Consolidated Performance | Q1-2026
Earnings Release Presentation Q1-2026 Consolidated Performance | Q1-2026 Total Operating Income Operating Expenses | Cost to Income% +27% Operating Expenses Cost to Income % +11% 642 mn 384 mn 506 mn 68.4% 59.9% 346 mn Q1-2025 Q1-2026 Q1-2025 Q1-2026 EBT Net Income +18% +12% 146 mn 66 mn 123 mn 59 m
Slide 25: Appendix
Appendix
Slide 26: Financing Income Statement | Q1-2026
Earnings Release Presentation Q1-2026 Financing Income Statement | Q1-2026 Q1-2025 Q1-2026 Change ( Q1-2025 vs Q1-2026) Net Revenue from Portfolio Transfer 82,461 393,722 377% Net Interest Income 268,003 124,593 -54% Net Financing Fee & Commission Income 18,104 14,541 -20% Profit Share from Associat
Slide 27: Insurance Income Statement | Q1-2026
Earnings Release Presentation Q1-2026 Insurance Income Statement | Q1-2026 Q1-2025 Q1-2026 Change ( Q1-2025 vs Q1-2026) Insurance Activity Surplus (Deficit) (75,604) 75,400 200% Reinsurance Activity Surplus (Deficit) 144,739 (72,785) -150% Net Insurance Financing Income (Expenses) (17,804) (22,122)
Slide 28: Consolidated Income Statement | Q1-2026
Earnings Release Presentation Q1-2026 Consolidated Income Statement | Q1-2026 Financing Business Q1-2025 Q1-2026 Change ( Q1-2025 vs Q1-2026) Net Revenue from Portfolio Transfer 82,461 393,722 377% Net Interest Income 269,485 126,946 -53% Net Financing Fee & Commission Income 20,851 16,091 -23% Prof
Slide 29: Disclaimer
Earnings Release Presentation Q1-2026 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
Slide 30: Thank You
Thank You
Contact Financial Holding — Q1 2026 Earnings Presentation on 6ix