Contact Financial Holding Sae · EGX:CNFN
Contact Financial Holding Sae — Contact Financial Holding — H1 2026 Earnings Presentation
31 slides from Contact Financial Holding Sae's earnings presentation, 2026
Slide 1: Earnings Release Presentation H1-2026
Earnings Release Presentation H1-2026
Slide 2: Agenda
AGENDA 1 Overview 3 2 AI & Digital Transformation 7 3 Financial Overview 10 4 Financing Segment Performance 13 5 Insurance Segment Performance 17 6 Consolidated Performance 20 7 Reference Section 22 8 Our People 27
Slide 3: Overview
Overview
Slide 4: Contact Financial Holding at a Glance
Earnings Release Presentation H1-2026 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 5.65 bn EGP 1,196,974,000 Average Trading Vo
Slide 5: Driving Contact's Growth & AI Transformation
Earnings Release Presentation H1-2026 Driving Contact’s Growth & AI Transformation “Contact maintained strong momentum during H1 2026, leveraging its diversified platform-led operating model to drive scalable growth and operational excellence. Total platform new lending reached EGP 5.9 billion, repr
Slide 6: Strategic Platforms
Earnings Release Presentation H1-2026 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 propos
Slide 7: AI & Digital Transformation
AI & Digital Transformation
Slide 8: AI Lab | H1-2026
Earnings Release Presentation H1-2026 AI Lab | H1-2026 As an FRA-regulated institution, the Company leverages its proprietary AI engine and expanded data points to strengthen institutional oversight and asset quality, while responsibly extending credit to underserved Egyptians to advance financial i
Slide 9: Our Digital Platforms | H1-2026
Earnings Release Presentation H1-2026 Our Digital Platforms | H1-2026 • 2.5 mn App Downloads • 1.5 mn Registrations • 1.6 mn Registrations • 144 mn Website views • 416 mn Total Value of • 970 K New users Transactions Note: all data are since inception except website views and total value of transact
Slide 10: Financial Overview
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Slide 11: Driving Financial Efficiency & Strategic Portfolio Management
Earnings Release Presentation H1-2026 Driving Financial Efficiency & Strategic Portfolio Management "Contact maintained solid financial momentum throughout H1-2026, with stronger portfolio quality and increased off-balance sheet portfolio transfers. This drove a 101% year-on-year increase in total r
Slide 12: Results Snapshot | H1-2026
Earnings Release Presentation H1-2026 Results Snapshot | H1-2026 Consolidated Performance1 EGP 1.3 bn EGP 281 mn EGP 95 mn 5.0% Operating Income Earnings Before Tax Net Income ROAE +6%2 +7% -22% vs3 7.1% Financing EGP 5.9 bn EGP 18.9 bn EGP 1.1 mn 57.5% EGP 75.4 mn 1.3% 5.2% New Lending Outstanding
Slide 13: Financing Segment Performance
Financing Segment Performance
Slide 14: Comprehensive Financing Offering | H1-2026
Earnings Release Presentation H1-2026 Comprehensive Financing Offering | H1-2026 EGP 5.9 bn New Lending +16% Breakdown Auto & Lifestyle Consumer Credit Business EGP 2.7 bn EGP 1.1 bn EGP 2.0 bn -15% +100% +52% ✓Passenger Cars ✓Furniture ✓Leasing ✓Trucks ✓Insurance Credit ✓Contact Now ✓Factoring ✓Mem
Slide 15: Financing Segment – Solid Results Across Financing Segments
Earnings Release Presentation H1-2026 Financing Segment – Solid Results Across Financing Segments | H1-2026 Total Consolidated New Lending Outstanding Portfolio by Asset Class Portfolio Funding Breakdown 16% H1-2026 18.9 bn H1-2025 5.1 bn 5.9 bn 23% H1-2026 41% 18% 41% 27% -7% 35% 20% 11% 19% 6% 10%
Slide 16: Financing Segment Financial Performance | H1-2026
Earnings Release Presentation H1-2026 Financing Segment Financial Performance | H1-2026 Operating Income Operating Expenses | Cost-to-Income % +7% -1% 602 mn 1,055 mn 62.3% 594 mn 983 mn 57.5% H1-2025 H1-2026 Operating Expenses Cost to Income % H1-2025 H1-2026 Earnings Before Tax Net Income -15% +18
Slide 17: Insurance Segment Performance
Insurance Segment Performance
Slide 18: Insurance Segment - Operational Performance | H1-2026
Earnings Release Presentation H1-2026 Insurance Segment - Operational Performance | H1-2026 EGP 2.3 bn GWP +24% YOY +51% YOY +7% YOY Gross Written Premium Breakdown Sarwa Insurance Sarwa Life 1% 3% 4% 1% Property 14% 9% 1% Marine 3% 1% 3% Term Motor EGP 555 mn 36% EGP 1.0 bn 38% Construction& Eng. E
Slide 19: Insurance Segment Financial Performance | H1-2026
Earnings Release Presentation H1-2026 Insurance Segment Financial Performance | H1-2026 H1 2026 profitability was impacted by residual Group Medical claims from late 2025 and an elevated Motor loss ratio, reducing underwriting income to EGP 12mn and net income to EGP 29mn. However, following Q1 loss
Slide 20: Consolidated Performance
Consolidated Performance
Slide 21: Consolidated Performance | H1-2026
Earnings Release Presentation H1-2026 Consolidated Performance | H1-2026 Total Operating Income Operating Expenses | Cost to Income % +6% +3% 1,297 mn 775 mn 61.6% 59.8% 752mn 1,189 mn H1-2025 H1-2026 H1-2025 H1-2026 Operating Expenses Cost To Income % EBT Net Income +7% -22% 281 mn 123 mn 95 mn 262
Slide 22: Reference Section
Reference Section
Slide 23: Financing Income Statement | H1-2026
Earnings Release Presentation H1-2026 Financing Income Statement | H1-2026 H1-2025 H1-2026 Change ( H1-2025 vs H1-2026) Net Revenue from Portfolio Transfer 378,401 760,691 101% Net Interest Income 550,016 243,465 -56% Net Financing Fee & Commission Income 44,606 31,730 -29% Profit Share from Associa
Slide 24: Insurance Income Statement | H1-2026
Earnings Release Presentation H1-2026 Insurance Income Statement | H1-2026 H1-2025 H1-2026 Change ( H1-2025 vs H1-2026) Insurance Activity Surplus (Deficit) 155,674 184,999 19% Reinsurance Activity Surplus (Deficit) (29,627) (152,434) 415% Net Insurance Financing Income (Expenses) (34,987) (41,759)
Slide 25: Other Business Lines Income Statement | H1-2026
Earnings Release Presentation H1-2026 Other Business Lines Income Statement | H1-2026 H1-2025 H1-2026 Change ( H1-2025 vs H1-2026) Net Interest Income 3,160 4,771 51% Net Financing Fee & Commission Income 5,440 3,217 -41% Profit Share from Associates (12,908) (13,458) 4% Financing Operating Income (
Slide 26: Consolidated Income Statement | H1-2026
Earnings Release Presentation H1-2026 Consolidated Income Statement | H1-2026 Financing Business H1-2025 H1-2026 Change ( H1-2025 vs H1-2026) Net Revenue from Portfolio Transfer 378,401 760,691 101% Net Interest Income 553,176 248,236 -55% Net Financing Fee & Commission Income 50,046 34,946 -30% Pro
Slide 27: Our People
Our People
Slide 28: The Minds Behind the Vision
Earnings Release Presentation H1-2026 The Minds Behind the Vision John Saad Youssef Abdel-Ati Mohsen El Shaarani Group Chief Executive Officer Group Chief Financial Officer Group Chief Digital Officer 20+ years of leadership across telecom, 20 years in banking, including 7 in Dubai 18+ years across
Slide 29: The Minds Behind the Vision
Earnings Release Presentation H1-2026 The Minds Behind the Vision 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 Offi
Slide 30: Disclaimer
Earnings Release Presentation H1-2026 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 31: Thank You
Thank You
Contact Financial Holding — H1 2026 Earnings Presentation on 6ix