Freedom Holding Corp. · NASDAQ:FRHC
Freedom — Investor Presentation (August 2026)
33 slides from Freedom's investor presentation, Aug 10, 2026
Slide 1: Freedom Holding Corp. Corporate Presentation
FREEDOM HOLDING CORP. Corporate Presentation 10-Q first fiscal quarter of 2027
Slide 2: Important information
Important information Certain information included in this presentation contains statements that may be deemed forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the Securities Act) and Section 21E of the Securities Exchange Act of 1934, as amende
Slide 3: Freedom Holding Corp. At-a-glance
Freedom Holding Corp. At-a-glance
Slide 4: FRHC is a US listed holding company with a digital ecosystem
FRHC is a US listed holding company with a focus on developing a digital ecosystem that combines 12 main businesses in various industries Financial services: Non-financial: Brokerage, banking, insurance, payments. Telecommunications, e-commerce, online ticket sales, etc. >8.7 mln clients 12,100+ 24
Slide 5: Geographical footprint
Geographical footprint 24 countries, 264 offices, 12,100+ employees Georgia Banking segment Kazakhstan Türkiye (obtaining digital banking Brokerage segment Telecom segment license) Brokerage segment (obtaining broker license) Banking segment Payments segment General Insurance segment Cloud segment L
Slide 6: Financial performance of FRHC
Financial performance of FRHC ASSETS, in millions USD REVENUE COMPOSITION, in millions USD +45% Interest income Margin lending, brokerage +33% +16% and other receivables Insurance underwriting income +9% 14 047 Fee and commission income Investment portfolio +19% 13 155 2 400 7% Cash 6% Other 2 191 1
Slide 7: Financial performance of FRHC: Revenue and expenses highlights
Financial performance of FRHC Revenue and expenses highlights TTM as of 30.06.2026 7
Slide 8: Stock performance (NASDAQ:FRHC)
Stock performance (NASDAQ:FRHC) Main listing on NASDAQ (New York, USA) The stock is traded on two stock exchanges in Kazakhstan Last price as of USD ~8.01bn* 10 9 Share price (USD) Trading volume (millions of shares) 30th June 2026 on NASDAQ - $130.47 200 180 Current market capitalization 8 160 >800
Slide 9: Board of Directors
Board of Directors Timur Askar Boris Kairat Turlov Tashtitov Cherdabayev Kelimbetov Independent Member of the Founder of FRHC, President of FRHC, Director Board of Directors Chairman of the Member of the Joined the company in Joined the company in Board of Directors Board of Directors 2024 2019 Join
Slide 10: Compliance
Compliance Compliance risks are those risks relating to possible violations of Compliance Highlights applicable laws, regulations, contractual terms, standards, or internal Compliance Compliance Structure policies where such violation could result in direct or indirect financial risks liability, civ
Slide 11: Freedom Ecosystem
Freedom Ecosystem SuperApp - heart of FRHC
Slide 12: Freedom core product offerings
Freedom core product offerings LLC registration Car insurance Deposits Property insurance Corporate cards Payments, Asset insurance Salary project acquiring General insurance Logistics insurance Internet banking Corporate Agroinsurance Loans and guarantees banking g Ins n Life i u Health insurance s
Slide 13: Freedom SuperApp results
Freedom SuperApp results +4% +3% +2% +6% +4% +9% +8% Launch of the +12% +15% Referral Program +15% Percentage of growth, % +8% +6% +6% +10% +9% Numbers of users, thousands +14% +23% +146% 5,677 5,547 5,393 Launch of the 5,184 Loyalty Program 4,969 4,708 4,332 Freedom SuperApp 4,007 and Freedom 3,577
Slide 14: Freedom Currency and Loyalty Program
Freedom Currency and Loyalty Program Freedom Currency is an exchange-traded note linked to Freedom Loyalty program. A four-tier structure (Standard, Silver, Gold, Holding Corp. common stock listed on NASDAQ (NASDAQ: FRHC). Platinum) bases monthly status on average balance, transaction count and ecos
Slide 15: Freedom SuperApp – user profile
Freedom SuperApp – user profile 26% 16% 10% 45% Male 55% Female Users by gender1 Shymkent Astana Almaty 6% 5% 4% Users by city1 20% 11% 7% Aktobe Karagandy Taraz 10% 6-12 13-17 5% 4% 4% 18-24 27% Other Kyzylorda Uralsk Aktau 20% 25-35 Users by 36-50 age1 50+ 25% Freedom SuperApp user 19% Activated U
Slide 16: Freedom SuperApp – user journey
Freedom SuperApp – user journey1 Opening a Participation in the First transfer Second purchase second card referral program of funds in services Day 6 Day 14 Day 19 Day 29 Registration in Freedom SuperApp Day 7 Day 17 Day 20 Opening a first card First visit to a First purchase in Opening the service
Slide 17: Freedom Core Businesses
Freedom Core Businesses Highlights overview
Slide 18: Brokerage segment
Brokerage segment Professional participant in the securities market Launch of Core Crypto Services Option Instruments for Retail No. 1 Digital Broker in Kazakhstan Introduction of crypto top-ups and Investors withdrawals via the Freedom Broker App to 40k+ instruments available for options external w
Slide 19: Banking segment (1/2)
Banking segment Key element of the FRHC Ecosystem (1/2) Geographical Expansion Freedom Business App Launch Establishment of a subsidiary bank in Digital bank for individuals and businesses Tajikistan and confirmation of regulatory Launched a mobile app for SMEs (sole entrepreneurs and LLPs) with an
Slide 20: Banking segment (2/2)
Banking segment Key element of the FRHC Ecosystem (2/2) Bank ratings by assets1, in billions USD YoY change in deposits portfolio2, % Digital bank for individuals and businesses 2024 2025 2026 Halyk Bank JSC 44.1 14% 18% 8% 7th largest Kaspi Bank JSC Bank 21.3 23% 25% 16% CenterCredit JSC 18.4 31% 2
Slide 21: Insurance segment
Insurance segment Product offering and financial metrics Life Insurance General Insurance Revenue and net income1, in thousands USD Net loss for Q1 FY2027 was primarily caused by: segment segment (1) lower written premiums due to the regulatory cap on commissions to insurance agents, (2) higher defe
Slide 22: Insurance segment: Life Insurance
Insurance segment Life Insurance Market interest in pension annuity Digital life insurance company in Kazakhstan Standard & Poor’s rating upgrade On October 3, 2025, the rating agency products Standard & Poor’s upgraded the Company’s Revenue growth was considerably supported rating to BB+ from BB. b
Slide 23: Insurance segment: General Insurance
Insurance segment General Insurance Fully digitalized insurance solutions in Expansion of geographic footprint International reinsurance growth Growth of distribution network in Rise in international reinsurance Kazakhstan Kazakhstan and digitalization of premiums was identified as another key distr
Slide 24: Freedom Other Businesses
Freedom Other Businesses Highlights overview
Slide 25: Telecom segment
Telecom segment Proprietary infrastructure Mission Optical communication lines, base stations Creation of a new high-tech telecom operator in Kazakhstan offering the maximum digital experiences for customers. Integration with Fintech Integration with Freedom SuperApp >6,000 ~$325 million km of optic
Slide 26: Cloud segment
Cloud segment Mission >3,400 980 Creation of the technological foundation for our clients’ business growth Clients Employees Cloud Satellite Optical network through Kazakhstan Key Achievement Implementation SNP 1.0 Private Cloud Public Cloud Dedicated perimeter for Cloud platform for State Partner M
Slide 27: E-grocery segment
E-grocery segment Key element of the Freedom Lifestyle The first online supermarket in Kazakhstan offering various Geographic expansion Successful launch in Karagandy and Active client base consumer goods in Almaty, Astana, Karagandy, and Shymkent marked Arbuz.kz’s expansion Active client base doubl
Slide 28: Event tickets segment
Event tickets segment Key element of the Freedom Lifestyle Digital platform for the distribution and sale of tickets for Turnover growth Transaction volume augmentation cultural, sports, and business events. Ticketon's turnover grew over 60% The platform processed +20% YoY compared to the prior 12 m
Slide 29: Travel segment
Travel segment Key element of the Freedom Lifestyle A platform for online purchasing of airline and railway GMV growth Market leadership tickets in Kazakhstan and booking of tours worldwide. Combined GMV across Avia, Railways, and In Q1 2026 every fifth airline ticket sold in Tours more than doubled
Slide 30: Media segment
Media segment Live events Kids 5 out of 5 major studios available 5,000+ Live streaming of major 100+ global events and weekly TV channels and a full kids The largest Disney Titles in the library and sport broadcasts: football, collection in Kazakhstan original content section available UFC, tennis,
Slide 31: ESG
© FREEDOM Freedom Holding Corp. ESG
Slide 32: ESG
ESG Freedom Shapagat Corporate Foundation Freedom Freedom Shapagat Corporate Foundation is established Primary Sustainable Development Goals Shapagat to optimize the process of selecting and supporting ESG projects. The Foundation focuses on environmental, social Corporate and governance factors as
Slide 33: Thank you
© FREEDOM Thank you g .
Freedom Holding — Investor Presentation (August 2026) on 6ix