Contact Financial Holding Sae · EGX:CNFN
Contact Financial Holding Sae — Contact Financial Holding — Q3 2025 Earnings Presentation
34 slides from Contact Financial Holding Sae's earnings presentation, Nov 17, 2025
Slide 1: Shaping the Next Chapter
Shaping the Next Chapter 3Q-2025 Earnings Highlights
Slide 2: Disclaimer
Disclaimer 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 su
Slide 3: Agenda
AGENDA 1 Introduction 4 2 2025 – Setting the Scene 8 3 Powering the Next Growth Wave 11 4 Building One Group, One Direction 13 5 Debt Capital Markets 17 6 9M – 2025: Performance Review 20 7 Appendix: Financial Statements 31
Slide 4: Introduction
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Slide 5: Introduction - At A Glance
Introduction - At A Glance Contact 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 Service
Slide 6: Introduction – Results Snapshot
Introduction – Results Snapshot Results Snapshot Contact experienced a decline in 9M-2025 profitability driven by the current restructure within the group setting the scene for its digital transformation journey. EGP 2.0 bn EGP 279.5 mn 7.5% Consolidated Total Operating Income Consolidated Normalize
Slide 7: From Strength to Scale - A Message From the CEO
Introduction From Strength to Scale - A Message From the CEO “2025 has been a deliberate year of rebuilding for Contact — strengthening our foundations, restructuring the Group, and reinforcing operational discipline across all subsidiaries. New lending expanded sequentially by +65% versus 1Q and +1
Slide 8: 2025: Setting the Scene
2025: Setting the Scene
Slide 9: Laying the Foundation for the Next Growth Phase
2025: Setting the Scene Laying the Foundation for the Next Growth Phase Turning a year of restructuring into the launchpad for scalable, synchronized growth. MATURE 2027-2028 SCALE & SYNERGY 2026 GROWTH TURNING POINT 2025 FOUNDATION EARLY 9
Slide 10: 2025: Setting the Scene
2025: Setting the Scene 2025: Setting the Scene Refocusing the Group, streamlining operations, and rebuilding the foundation for a synchronized and scalable future. Organizational Product Revamp Portfolio Focus Investment Technology & Cultural Shift Restructure Simplified and Exited low-yield Restru
Slide 11: Powering the Next Growth Wave
Powering the Next Growth Wave “Speed, Discipline & Digital Execution”
Slide 12: Contact's Digital Acceleration: Transforming Operations for Speed & Control
Powering the Next Growth Wave Contact’s Digital Acceleration: Transforming Operations for Speed & Control Fast Track Collections Turnaround Transforming Customer Journeys End-to-End Stronger Controls, Lower Risk • Instant Approvals for High Down-Payment Customers: • New Leadership & Strategy: Buildi
Slide 13: Building One Group, One Direction
Building One Group, One Direction
Slide 14: Scaling Through Unified Platforms
Building One Group, One Direction Scaling Through Unified Platforms Five integrated pillars driving Contact’s transformation and growth. MOBILITY CONSUMER INSURANCE BUSINESS STRATEGIC ALLIANCES & JVs Auto finance & mobility Retail & lifestyle Life, Non-Life & Leasing, factoring & Embedded finance &
Slide 15: The Turning Point: Built for the Era of Regulated Smart Finance
Building One Group, One Direction The Turning Point: Built for the Era of Regulated Smart Finance From silos to synergy – the foundation of Contact’s next growth phase. Financial Depth & Institutional Discipline Execution Capacity: Aligned Teams & Agile Processes Ecosystem Ready to Scale: APIs, Part
Slide 16: From Readiness to Value Creation
Building One Group, One Direction From Readiness to Value Creation Turning external momentum into Contact’s next growth cycle. What We’ve Built What’s Changing What It Unlocks INFRASTRUCTURE THE MOMENTUM CONTACT OPPORTUNITY • Fully licensed ecosystem across • FRA fintech & digital licensing • Multi-
Slide 17: Debt Capital Markets
Debt Capital Markets
Slide 18: 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 44 • Through debt capital markets, Contact re
Slide 19: 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 2025 2022 Issued despite Issued despite Issued despite Issued despite
Slide 20: 9M-2025 Performance Review
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Slide 21: Comprehensive Financing Offering
9M-2025 Performance Review Comprehensive Financing Offering Despite new lending decrease in some products, the total new lending in 9M-2025 showed resilience and increased by 2%. In parallel Contact continues to actively manage its risk levels by tightening the credit investigation process and focus
Slide 22: Financing Division – Solid Results Across Financing Segments
9M-2025 Performance Review Financing Division – Solid Results Across Financing Segments Total new financing extended in 9M-2025 expanded by 2% year-on-year to EGP 8.5 billion, with the Shopping, Working Capital, and Mortgage segments all reporting year-on-year growth during the period on the back of
Slide 23: Financing Division – Increasingly Diversified Portfolio with Favorable Margins
9M-2025 Performance Review Financing Division – Increasingly Diversified Portfolio with Favorable Margins Contact’s financing portfolio showed a slight decrease year-on-year at EGP 19.92 billion in 9M-2025. During the period, Contact continued to focus on enhancing the quality of its portfolio, with
Slide 24: 20+ Years of Strong Track Record of Credit Extension & Collection
9M-2025 Performance Review 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 Consumer C
Slide 25: Financing Division – Solid Results Across all Financing Revenue Components
9M-2025 Performance Review Financing Division – Solid Results Across all Financing Revenue Components The financing division delivered a strong operating performance in 9M-2025 on the back of the shift in focus towards higher margin products, coupled with strong returns associated with portfolio tra
Slide 26: Financing Division – Elevated operating costs weighed on bottom-line profitability
9M-2025 Performance Review Financing Division – Elevated operating costs weighed on bottom-line profitability Net income at the financing division declined by 51% y-o-y in 9M-2025 as higher operating costs weighed on the division’s bottom-line results Operating Costs and Cost to Income | EGP mn, % F
Slide 27: Insurance Division – Operational and Business Developments – 9M-2025
9M-2025 Performance Review Insurance Division – Operational and Business Developments – 9M-2025 While gross written premiums generated by both insurance companies reported by 52%year-on-year growth in 9M-2025, driven by the ramp up of new products and increased cross-selling, the division’s results
Slide 28: Insurance Division – Performance Review
9M-2025 Performance Review Insurance Division – Performance Review1 Insurance Revenue| EGP mn Underwriting Income | EGP mn 61% -3% 2,123 139 Insurance revenue rose by 61% Underwriting income decreased year-on-year to EGP 2.1 billion in by 3% year-on-year to EGP 135 1,321 9M-2025. million in 9M-2025.
Slide 29: Consolidated Performance – Income Statement
9M-2025 Performance Review Consolidated Performance – Income Statement Elevated costs across the board weighed on the Group’s consolidated performance Consolidated Operating Expenses | EGP mn Total Operating Income| EGP mn EBT | EGP mn Cost-to-Income | % 17% -37% 666 1,993 56% 45% 421 1,115 771 1,70
Slide 30: Consolidated Performance – Income Statement
9M-2025 Performance Review Consolidated Performance – Income Statement Consolidated normalized net income after minorities fell by 44% year-on-year to EGP 280 million in 9M-2025 Normalized Net Income1, 2| EGP mn Consolidated Return on Equity | % Actual Net Income Adjustments 18.2% -44% 498 67 7.4% 2
Slide 31: Appendix: Financial Statements
Appendix: Financial Statements
Slide 32: Financing Business Income Statement
Appendix: Financial Statements Financing Business Income Statement 9M-2024 9M-2025 Change ( 9M-2024 vs 9M-2025) Revenue from Portfolio Transfer 537,344.9 660,401.4 23% Off Balance Sheet Portfolio Management Fee 287,130.3 255,852.0 -11% Securitization Surplus / Deficit 12,184.6 8,687.5 -29% Early Pay
Slide 33: Insurance Business Income Statement
Appendix: Financial Statements Insurance Business Income Statement 9M-2024 9M-2025 Change ( 9M-2024 vs 9M-2025) Insurance Revenue 1,321,250.2 2,122,801.8 61% Insurance Service Expenses (1,215,560.5) (1,902,392.7) 57% Insurance Activity Surplus (Deficit) 105,689.7 220,409.1 109% Reinsurance expenses
Slide 34: Consolidated Income Statement
Appendix: Financial Statements Consolidated Income Statement Financing Business 9M-2024 9M-2025 Change ( 9M-2024 vs 9M-2025) Revenue from Portfolio Transfer 537,344.9 660,401.4 23% Off Balance Sheet Portfolio Management Fee 287,130.3 255,852.0 -11% Securitization Surplus / Deficit 12,184.6 8,687.5 -
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