Contact Financial Holding Sae · EGX:CNFN
Contact Financial Holding Sae — Contact Financial Holding — FY2025 Earnings Presentation
32 slides from Contact Financial Holding Sae's earnings presentation, 2026
Slide 1: Repositioning to Futuristic Growth
Repositioning to Futuristic Growth FY-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: Strategic Repositioning & 8 Performance Dynamics 3 FY – 2025: Performance Review 16 4 Debt Capital Markets 27 5 Appendix: Financial Statements 29
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 In the process of setting the scene for its digital transformation journey, overall group restructuring as well as the fierce competition, Contact was able to achieve an increase in its consolidated operating income by 12% to reach EGP 2.8bn. EGP 2.8
Slide 7: A Message from the CEO: Repositioning for Futuristic Growth
Introduction – A Message from the CEO Repositioning for Futuristic Growth 2025 marked a decisive reset for Contact. With renewed leadership and sharper execution, we are repositioning the Group to compete in a more competitive, regulated, and digitally demanding market environment. Despite these dyn
Slide 8: 2025: Strategic Repositioning & Performance Dynamics
2025: Strategic Repositioning & Performance Dynamics
Slide 9: Structural Repositioning in a Changing Market
2025: Strategic Repositioning & Performance Dynamics Structural Repositioning in a Changing Market Adapting to a More Competitive and Digitally Accelerating Environment MARKET ENVIRONMENT CONTACT'S STRATEGIC REPOSITIONING Evolving competitive Shifting customer Organizational Portfolio and pricing la
Slide 10: Profitability Impact & Structural Reinforcement
2025: Strategic Repositioning & Performance Dynamics Profitability Impact & Structural Reinforcement WHAT CHANGED IN 2025? Competitive repricing across the Disbursements moderated as we Digital investment phase impacting cost portfolio prioritized disciplined underwriting base Financial Impact Total
Slide 11: Evolving into an Integrated Financial Ecosystem
2025: Strategic Repositioning & Performance Dynamics Evolving into an Integrated Financial Ecosystem Scaling Through Embedded, Digital, and Multi-Product Distribution • First of its kind partnership where Contact's financing embedded inside My e& and eMoney apps. • Contact is identified by its Lendi
Slide 12: SarwaNow: Introducing Fully Digital Motor Insurance Issuance
2025: Strategic Repositioning & Performance Dynamics SarwaNow: Introducing Fully Digital Motor Insurance Issuance Egypt’s first end-to-end digital motor insurance journey for newly purchased vehicles PLATFORM CAPABILITIES oUnified digital insurance platform oeKYC-enabled issuance and renewals oCentr
Slide 13: Fast Track Credit Model – Scaling Automated Approvals
2025: Strategic Repositioning & Performance Dynamics Fast Track Credit Model – Scaling Automated Approvals Accelerating Credit Decisions While Maintaining Portfolio Quality In its first operational quarter, Fast Track is rapidly becoming a core driver of faster credit origination and digitally enabl
Slide 14: Digital Infrastructure & Decision Intelligence
2025: Strategic Repositioning & Performance Dynamics Digital Infrastructure & Decision Intelligence From Data Input to Faster, Scalable Execution INTEGRATED DATA & CHANNEL CORE ENGINE – DECISION OPERATIONAL IMPACT INPUTS INTELLIGENCE PLATFORM CUSTOMER DEALER NETWORK AI-ENABLED CREDIT OCR BASED 50% I
Slide 15: Intelligent Risk Calibration for Sustainable Growth
2025: Strategic Repositioning & Performance Dynamics Intelligent Risk Calibration for Sustainable Growth Aligning Growth Ambition with Portfolio Resilience SUSTAINABLE GROWTH PORTFOLIO RESILIENCE COMPETITIVE RISK BASED PRICING STRENGTHENED DEALER RISK ORIGINATION ALIGNMENT UNDERWRITING DIFFERENTIATI
Slide 16: FY-2025 Performance Review
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Slide 17: Comprehensive Financing Offering
FY-2025 Performance Review Comprehensive Financing Offering Total new lending in FY-2025 increased by 2% supported by 15% growth in Consumer lending and 27% growth in Corporate lending. In parallel, Contact continues to actively manage its risk levels by tightening the credit investigation process a
Slide 18: Financing Division – Solid Results Across Financing Segments
FY-2025 Performance Review Financing Division – Solid Results Across Financing Segments Total new financing extended in FY-2025 expanded by 2% year-on-year to EGP 11.81 billion, with the Consumer and Corporate segments all reporting year-on-year growth during the period on the back of an improved op
Slide 19: Financing Division – Increasingly Diversified Portfolio with Favorable Margins
FY-2025 Performance Review Financing Division – Increasingly Diversified Portfolio with Favorable Margins Although Contact’s financing portfolio showed a slight decrease year-on-year at EGP 19.7 billion in FY-2025, the On BS NIM and Net Revenue from transfers showed a noticeable increase. During the
Slide 20: 20+ Years of Strong Track Record of Credit Extension & Collection
FY-2025 Performance Review 20+ Years of Strong Track Record of Credit Extension & Collection Track Record of Growth and Operational Evolution Successful product deployment on the back of market know-how LaaS Insurance Insurance Credit Credit Specialized Specialized Consumer Credit Consumer Credit LT
Slide 21: Consolidated Performance – Income Statement
FY-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 | % Cost to Income 51% 12% -38% 42% 1,430 1,041 2
Slide 22: Consolidated Performance – Income Statement
FY-2025 Performance Review Consolidated Performance – Income Statement Consolidated net income after minorities fell by 50% year-on-year to EGP 345 million in FY-2025 Net Income| EGP mn Consolidated Return on Equity | % Net Income| EGP mn 22.3% -50% 9.7% 692 345 FY-2024 FY-2025 FY-2024 FY-2025 Total
Slide 23: Financing Division – Solid Results Across all Financing Revenue Components
FY-2025 Performance Review Financing Division – Solid Results Across all Financing Revenue Components The financing division delivered a strong operating performance in FY-2025 on the back of the shift in focus towards higher margin products, coupled with strong returns associated with portfolio tra
Slide 24: Financing Division – Elevated operating costs weighed on bottom-line profitability
FY-2025 Performance Review Financing Division – Elevated operating costs weighed on bottom-line profitability Net income at the financing division contracted by 58% y-o-y in FY-2025 as higher operating costs weighed on the division’s bottom-line results. Operating Costs and Cost to Income | EGP mn,
Slide 25: Insurance Division – Operational and Business Developments – FY-2025
FY-2025 Performance Review Insurance Division – Operational and Business Developments – FY-2025 While gross written premiums generated by both insurance companies reported by 46%year-on-year growth in FY-2025, driven by the ramp up of new products and increased cross-selling, the division’s results
Slide 26: Insurance Division – Performance Review
FY-2025 Performance Review Insurance Division – Performance Review1 Insurance Revenue| EGP mn Underwriting Income | EGP mn 20% 58% 246 2,888 Insurance revenue rose by 58% Underwriting income increased year-on-year to EGP 2.8 billion in by 20% year-on-year to EGP 246 1,828 FY-2025. million in FY-2025
Slide 27: Debt Capital Markets
Debt Capital Markets
Slide 28: 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 29: Appendix: Financial Statements
Appendix: Financial Statements
Slide 30: Financing Business Income Statement
Appendix: Financial Statements Financing Business Income Statement FY-2024 FY-2025 Change ( FY-2024 vs FY-2025) Revenue from Portfolio Transfer 839,977.2 966,841.8 15% Off Balance Sheet Portfolio Management Fee 394,751.8 340,764.9 -14% Securitization Surplus / Deficit 17,790.0 9,693.2 -46% Early Pay
Slide 31: Insurance Business Income Statement
Appendix: Financial Statements Insurance Business Income Statement FY-2024 FY-2025 Change ( FY-2024 vs FY-2025) Insurance Revenue 1,827,698.3 2,887,720.1 58% Insurance Service Expenses (1,595,785.1) (2,552,880.7) 60% Insurance Activity Surplus (Deficit) 231,913.2 334,839.4 44% Reinsurance expenses (
Slide 32: Consolidated Income Statement
Appendix: Financial Statements Consolidated Income Statement Financing Business FY-2024 FY-2025 Change ( FY-2024 vs FY-2025) Revenue from Portfolio Transfer 839,977.2 966,841.8 15% Off Balance Sheet Portfolio Management Fee 394,751.8 340,764.9 -14% Securitization Surplus / Deficit 17,790.0 9,693.2 -
Contact Financial Holding — FY2025 Earnings Presentation on 6ix