Company: FRHC
Filing Date: 2025-07-29
Form Type: ARS
Source: 0000924805-25-000027
Chunk: 18

Company: Freedom Holding Corp.
Filing Date: 2025-07-29
Form: ARS
Chunk 18
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a Infinite / Mastercard World Elite, launch Q2 2025). A bundled high-yield deposit account and metal card offering global lounge access, concierge service, travel insurance and elevated loyalty earn rates. The entire application journey from KYC to contract signing is executed in-app; the card is delivered by courier once documentation is verified. SME functionality - Freedom Business Freedom Business extends the SuperApp to legal entities, providing mobile access to current accounts, FX, payroll and tax payments. Merchants can issue QR invoices, manage POS devices and create an online store without coding skills. Sales data transmit automatically to the tax authority (OFD) and feed the Bank’s credit models, enabling pre-approved overdrafts and instalment financing offered through the affiliated micro-finance company, Freedom Finance Credit. Technology, big-data analytics, security and compliance. A central data lake ingests click-stream activity, transaction records, credit-bureau updates and third-party feeds (e.g., property registries, vehicle VIN databases). The dataset anchors all advanced analytics: • Proprietary scoring models combine multiple behavioral and financial variables to inform loan decisions and credit-line recalibrations. • Real-time antifraud and sanctions screening leverage graph analytics against Dow Jones, World-Check and national registries. • Personalized product recommendations and loyalty boosters are generated by machine-learning models that evaluate balance trends and purchase histories. Big-data platform reduced manual compliance processing times from up to two days to approximately eight minutes, while maintaining independent audit-trail requirements. Tradernet Platform Tradernet is our flagship online trading platform designed for a wide range of investors, offering a comprehensive and user-friendly trading experience. The platform allows users to trade a diverse array of financial instruments, including stocks, options, and ETFs from major global exchanges such as KASE, AIX, NYSE, Nasdaq, ATHEX, the London Stock Exchange, the Chicago Mercantile Exchange, the Hong Kong Stock Exchange and Deutsche Börse, EUREX, ICE, SGX, HKFE, CFE, CBOE Europe and ITS. • Accessibility and user interface. Accessible via both web and mobile platforms, Tradernet allows users to monitor and manage their investments in real-time from any location with internet connectivity. The platform's interface is designed to be intuitive and customizable, offering tools for technical analysis, portfolio management, and market monitoring. These features cater to both beginner traders, who benefit from the platform's simplicity, and advanced traders, who appreciate its sophisticated analytical tools. • Data platform and