Early Life and Professional Foundation

Timur Turlov, born in 1987, displayed an early talent for economics and finance. By 16 years old, he began his professional journey as a trader at World Capital Investments (WCI), where he gained essential skills in international markets and investment strategies.

His experience deepened when he joined Uniastrum Bank, where Turlov contributed to creating infrastructure that provided clients access to U.S. stock markets. These early roles became the cornerstone for his entrepreneurial ambitions, giving him a profound understanding of the global financial system.

Founding Freedom Finance: A Bold Step Forward

In 2008, during a challenging global financial crisis, Timur Turlov established Freedom Finance, a brokerage firm that offered access to U.S. stock exchanges. His decision to start a financial company at a time of economic uncertainty reflected his confidence in emerging opportunities.

Recognizing the potential in Central Asia, Turlov expanded Freedom Finance into Kazakhstan in 2012. This move marked a turning point, transforming the company into a regional leader by providing:

• Innovative brokerage services.
• Access to U.S. and European financial markets.
• Tools and platforms to empower retail investors.

Freedom Holding Corp.: A Unified Vision

In 2019, Turlov consolidated his businesses under Freedom Holding Corp., creating a powerful financial entity. That same year, Freedom Holding achieved a groundbreaking milestone by becoming the first CIS-based financial company to list on the NASDAQ stock exchange under the ticker FRHC.

The company’s share price grew from under $15 to exceed $80 by 2024, demonstrating strong investor confidence and sustained growth.

Today, Freedom Holding Corp. operates in 22 countries and serves over 5 million clients, delivering advanced financial solutions and expanding its global presence.

Key Divisions of Freedom Holding Corp.

Freedom Bank: Digital Banking Excellence

Acquired in 2024, Freedom Bank is a leader in modern banking innovation. Its offerings include:

• Digital mortgages for seamless property financing.
• Online business loans to support small and medium enterprises.
• The Freedom SuperApp, integrating financial management, insurance, and travel services into a single platform.

Tradernet: Revolutionizing Online Trading

Freedom Holding’s Tradernet platform has become a key tool for investors worldwide. Supporting 16 languages, Tradernet offers:

• AI-powered analytics for issuer evaluations and market tracking.
• Real-time financial insights for informed investment decisions.
• Seamless integration across international stock exchanges.

Freedom Pay: Enabling Cross-Border Transactions

Operating in Kazakhstan, Uzbekistan, and Kyrgyzstan, Freedom Pay offers efficient and secure cross-border payment solutions, driving business growth and improving user convenience.

Insurance and Life: Modern Financial Security

Freedom Holding Corp.’s insurance arm has redefined traditional insurance through technology-driven solutions:

• Freedom Life: A leader in endowment insurance and savings products.
• Freedom Finance Insurance: Kazakhstan’s first online car insurance platform, allowing instant payments and claims processing through DTP.kz.