Contact Financial Holding Sae · EGX:CNFN

Contact Financial Holding Sae — Contact Financial Holding — Q1 2025 Earnings Presentation

44 slides from Contact Financial Holding Sae's earnings presentation, 2025

  1. Slide 1: Results Presentation 1Q-2025

    Results Presentation 1Q-2025

  2. 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

  3. 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 1Q-2025 Performance Review 30 7 Appendix 41

  4. Slide 4: Introduction

    ion Introduct ~

  5. 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

  6. Slide 6: Results Snapshot

    Introduction Results Snapshot Contact achieved solid results in 1Q-2025 driven by a strong performance of the insurance division, in addition to a resilient performance at the financing segment on the back of a focus on higher margin products EGP 475.2 mn EGP 66.2 mn 6.8% Consolidated Total Operatin

  7. Slide 7: Our Edge

    Our Edge

  8. Slide 8: How We Differentiate Ourselves

    Our Edge How We Differentiate Ourselves Highly experienced management Highly team Targets the profitable banked & operation unbanked population Contact has a clear vision for the business with a well- Superior Widest product defined growth strategy to funding capabilities offering in the market achi

  9. Slide 9: 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

  10. Slide 10: 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 77% Insurance 23% Financing products targeting Egypt’s bank

  11. Slide 11: 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 1Q-2025 4% 2% 6% 6% 5% 5% 8% 4% 2% 21% 52% 75% 11%

  12. Slide 12: 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

  13. Slide 13: 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

  14. Slide 14: 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) 14

  15. Slide 15: 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 A Digital One-Stop-Shop Covering the Consumer’s Financial Lifecycle Strategic Ad

  16. Slide 16: 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

  17. Slide 17: Diversified, Highly Liquid Funding Base

    Our Edge – Diversified Funding Base Diversified, Highly Liquid Funding Base Funding Strategy Overview Overview of 1Q-2025 Funding Base Amounts in EGP MN Utilized Available Diversified funding base enabling 27,301 consistent liquidity with efficient pricing A B C D E 6,950 Fixed rate to match portfol

  18. Slide 18: 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

  19. Slide 19: 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

  20. Slide 20: Digital Platforms

    Digital Platforms -

  21. Slide 21: A Digital Business

    Digital Platforms A Digital Business Through strategic investments and partnerships, Contact is continuously strengthening its digital capabilities, placing it at the forefront of the financing and insurance sectors’ digitization movement Increase Create new Maintain market Contact’s Improve Retain

  22. Slide 22: 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 ContactCars.com Relaunched In 1Q-2025, Contactcars.com successfully launched the “B2B Vehicle Digital Auction” platform in collaboration with T

  23. Slide 23: Digital Platforms – ContactNow

    Digital Platforms – ContactNow Digital Platforms – ContactNow 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 partnered with ContactNow Fawry to offer customers a on all App Origi

  24. Slide 24: Digital Platforms – Bravo

    Digital Platforms – Wasla Digital Platforms – Bravo In February 2022 Contact concluded a USD 9 million investment in e-commerce super-app Bravo, further expanding the Company’s growing footprint in fintech and reinforcing its quest to enable tech-first ventures in Egypt’s financing ecosystem Bravo a

  25. Slide 25: Debt Capital Markets

    Debt Capital Markets

  26. Slide 26: 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 • Introducing new products to the market:

  27. Slide 27: 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

  28. Slide 28: Africa Expansion

    Africa Expansion

  29. Slide 29: The Perfect Opportunity for Further Expansion

    Africa Expansion The Perfect Opportunity for Further Expansion Almasi, a joint venture between Contact and Mansour Group, will initially provide leasing services and will work to expand its offering to consumer financing and auto loans in the coming period. Expanding into Kenya and other emerging Af

  30. Slide 30: 1Q-2025 Performance Review

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  31. Slide 31: Comprehensive Financing Offering

    1Q-2025 Performance Review Comprehensive Financing Offering A restrictive interest rate environment and product price uncertainty, coupled with Contact actively managing its risk levels by tightening the credit investigation process and focusing on higher margin products impacted new lending during

  32. Slide 32: Financing Division – Resilient Results Across Financing Segments

    1Q-2025 Performance Review Financing Division – Resilient Results Across Financing Segments Total new financing extended during 1Q-2025 dropped by 20% year-on-year to EGP 2.06 billion, with the Auto, CV, Working Capital, and Mortgage segments all reporting year-on-year contractions during the period

  33. Slide 33: Financing Division – Increasingly Diversified Portfolio with Favorable Margins

    1Q-2025 Performance Review Financing Division – Increasingly Diversified Portfolio with Favorable Margins Contact’s financing portfolio contracted slightly by 3% y-o-y to EGP 20.26 million in 1Q-2025. During the quarter, New lending has slightly decreased as Contact continued to focus on its portfol

  34. Slide 34: Financing Division – Solid Results Across all Financing Revenue Components

    1Q-2025 Performance Review Financing Division – Solid Results Across all Financing Revenue Components The financing division delivered a solid performance in 1Q-2025 on the back of the shift in focus towards higher margin products Financing Operating Income | EGP mn Net Revenue from Portfolio Transf

  35. Slide 35: Financing Division – High-Quality Portfolio a Midst of Challenging Market Conditions

    1Q-2025 Performance Review Financing Division – High-Quality Portfolio a Midst of Challenging Market Conditions Contact’s PaR 150+ delinquencies (Portfolio at Risk) ratio as at March 2025 stood at 3.9% 150+ Days Portfolio at Risk 3.9% 3.4% 3.3% 3.2% 2.3% FY-2022 FY-2023 FY-2024 1Q-2024 1Q-2025 Conta

  36. Slide 36: Financing Division – Improved profitability on the back of improved portfolio margins

    1Q-2025 Performance Review Financing Division – Improved profitability on the back of improved portfolio margins Net income at the financing division expanded by 33% y-o-y in 1Q-2025 as Contact benefitted from its shift in focus towards higher margin products Operating Costs and Cost to Income | EGP

  37. Slide 37: Insurance Division – Operational and Business Developments – 1Q-2025

    1Q-2025 Performance Review Insurance Division – Operational and Business Developments – 1Q-2025 Gross written premiums generated by both insurance companies expanded strongly in 1Q-2025, with year-on-year growth driven by the ramp up of new products and increased cross-selling. Meanwhile, total poli

  38. Slide 38: Insurance Division – Performance Review

    1Q-2025 Performance Review Insurance Division – Performance Review1 Insurance Revenue| EGP mn Underwriting Income | EGP mn 73% 619 Insurance revenue grew by 73% 32 Underwriting income expanded year-on-year to EGP 619 million year-on-year to EGP 32 million in 357 in 1Q-2025. 1Q-2025. (36) 1Q-2024 1Q-

  39. Slide 39: Consolidated Performance – Income Statement

    1Q-2025 Performance Review Consolidated Performance – Income Statement A strong performance at the insurance division, coupled with resilient at the financing division supported Contact’s consolidated performance in 1Q-2025 Consolidated Operating Expenses | EGP mn Total Operating Income| EGP mn EBT

  40. Slide 40: Consolidated Performance – Income Statement

    1Q-2025 Performance Review Consolidated Performance – Income Statement Consolidated normalized net income after minorities expanded by 143% year-on-year to EGP 66 million in 1Q-2025 Normalized Net Income1, 2| EGP mn Consolidated Return on Equity | % Adjustments 143% Actual Net Income 66 6.8% 8 27 59

  41. Slide 41: Appendix

    Appendix

  42. Slide 42: Financing Business Income Statement

    Appendix Financing Business Income Statement 1Q-2024 1Q-2025 change (1Q-2024 vs 1Q-2025) Revenue from Portfolio Transfer 95,905 58,492 -39% Off Balance Sheet Portfolio Management Fee 94,649 96,320 2% Securitization Surplus / Deficit 4,276 3,239 -24% Early Payment Expense - Sukuk/Discounting (101,022

  43. Slide 43: Insurance Business Income Statement

    Appendix Insurance Business Income Statement 1Q-2024 1Q-2025 change (1Q-2024 vs 1Q-2025) Insurance Revenue 357,236 618,696 73% Insurance Service Expenses (443,814) (724,724) 63% Insurance Activity Surplus (Deficit) (86,578) (106,028) 22% Reinsurance expenses (89,063) (207,103) 133% Reinsurance reven

  44. Slide 44: Consolidated Income Statement

    Appendix Consolidated Income Statement Financing Business 1Q-2024 1Q-2025 change (1Q-2024 vs 1Q-2025) Revenue from Portfolio Transfer 95,905 58,492 -39% Off Balance Sheet Portfolio Management Fee 94,649 96,320 2% Securitization Surplus / Deficit 4,276 3,239 -24% Early Payment Expense - Sukuk/Discoun

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