Freedom Holding Corp (FRHC) Investor Day 2025 summary

Strategic vision and growth

• Focus on building a global digital ecosystem, leveraging Kazakhstan as a testing ground for scalable fintech and banking solutions, with ambitions to expand across Central Asia, Europe, the US, and potentially Africa.

• Emphasis on integrating brokerage, banking, insurance, and e-commerce into a super app to drive customer retention, cross-monetization, and operational efficiency.

• Pursuit of licenses and direct memberships in major financial markets, including the EU, US, and Central Asia, to enable global competitiveness.

• Commitment to reinvesting profits into technology and ecosystem development rather than focusing solely on short-term profitability.

• Vision to become a leading global digital financial ecosystem or a key part of one, mirroring the dominance seen in other tech sectors.

Financial performance and market position

• Achieved a market capitalization surpassing $10 billion, joining the Russell 3000 Investable Index, and servicing nearly 500,000 clients in the EU.

• Maintains top market share in Kazakhstan's stock exchange and continues to grow its retail investor base.

• Prioritizes long-term growth and market share over immediate profitability, leveraging favorable financial conditions for reinvestment.

• Sees market volatility as an opportunity for higher turnover and revenue, with robust IT infrastructure to handle surges in activity.

• Integration of acquired companies and technologies is accelerating growth and reducing customer acquisition costs.

Technology, AI, and infrastructure

• Heavy investment in predictive AI and machine learning to enhance risk management, fraud detection, customer retention, and personalized offerings.

• Built one of the region's deepest data lakes, enabling advanced analytics for banking, insurance, and e-commerce.

• Developed a large data center in Almaty to support digital infrastructure, aiming to position Kazakhstan as a regional cloud and connectivity hub.

• Cybersecurity is a top priority, with tens of millions invested annually to ensure resilience and compliance with global standards.

• AI-driven translation and content delivery enable multi-language support and accessibility for diverse customer bases.