Company: FRHC
Filing Date: 2025-07-29
Form Type: ARS
Source: 0000924805-25-000027
Chunk: 204

Company: Freedom Holding Corp.
Filing Date: 2025-07-29
Form: ARS
Chunk 204
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 Current loans Total Mortgage loans $ 2,835 $ 678 $ 2,562 $ 918,455 $ 924,530 Uncollateralized bank customer loans 3,132 2,099 17,262 226,955 249,448 Right of claim for purchased retail loans — — — 183,635 183,635 Car loans 1,548 892 11,041 142,859 156,340 Collateralized bank customer loans 957 1,135 271 146,396 148,759 Other — — 8 7,830 7,838 Total $ 8,472 $ 4,804 $ 31,144 $ 1,626,130 $ 1,670,550 March 31, 2024 Loans 30-59 days past due Loans 60-89 days past due Loans 90 days or more past due and still accruing Current loans Total Mortgage loans $ 2,133 $ 1,069 $ 1,419 $ 736,691 $ 741,312 Car loans 2,167 1,655 10,157 248,729 262,708 Uncollateralized bank customer loans 3,576 2,211 8,853 230,548 245,188 Right of claim for purchased retail loans — — — 146,152 146,152 Collateralized bank customer loans — 89 87 22,123 22,299 Subordinated loan — — — 5,037 5,037 Other — — 9 2,629 2,638 Total $ 7,876 $ 5,024 $ 20,525 $ 1,391,909 $ 1,425,334 The activity in the allowance for credit losses as of March 31, 2025 and March 31, 2024 is summarized in the following tables. Table of Contents FREEDOM HOLDING CORP. NOTES TO AUDITED CONSOLIDATED FINANCIAL STATEMENTS MARCH 31, 2024 (All amounts in thousands of United States dollars, except share data, unless otherwise stated) 132

Allowance for credit losses Mortgage loan Uncollateralized bank customer loans Collateralized bank customer loans Car loans Right of claim for purchased retail loans Other Total March 31, 2024 $ (3,033) $ (19,636) $ (80) $ (14,262) $ (