هذه محتويات المحفظة.

Because Arabic often uses a nominal sentence in the present tense, with no written word for is/are.

So هذه محتويات المحفظة literally looks like:

• هذه = this/these
• محتويات المحفظة = the contents of the wallet

But in natural English, you translate it with are: These are the contents of the wallet.

If you wanted a past-tense version, then Arabic would use a verb such as كانت or كان depending on the structure.

This is a very common question.

Although محتويات is plural, it refers to non-human things. In Modern Standard Arabic, non-human plurals usually take feminine singular agreement.

That is why Arabic uses هذه rather than a human plural demonstrative like هؤلاء.

Compare:

• هذه محتويات المحفظة = these are the wallet’s contents
• هؤلاء الطلاب = these are the students

So:

• non-human plural → often treated grammatically like feminine singular
• human plural → usually takes true plural agreement

محتويات is plural.

Its singular is محتوى, which means content or contents/item of content depending on context.

So:

• محتوى = content
• محتويات = contents

Even though English often uses contents as if it were a fixed expression, in Arabic محتويات is clearly a plural form.

Because محتويات المحفظة is an iḍāfa construction, often called a genitive construction or construct phrase.

It means:

• محتويات = contents
• المحفظة = the wallet

Together: contents of the wallet

In an iḍāfa:

1. the first noun comes first
2. the second noun comes after it
3. the second noun is in the genitive case in full formal Arabic

So المحفظة is the second part of the iḍāfa, which is why it has this role and form.

Because in an iḍāfa construction, the first noun normally does not take ال.

So you say:

• محتويات المحفظة = the wallet’s contents / the contents of the wallet

not:

• المحتويات المحفظة ❌

Even without الـ on محتويات, the whole phrase can still be definite because the second noun is definite: المحفظة.

That is a key feature of iḍāfa in Arabic.

It is definite.

In Arabic, an iḍāfa phrase becomes definite if the second noun is definite.

So:

• محتويات محفظة = contents of a wallet → indefinite
• محتويات المحفظة = contents of the wallet → definite

Even though محتويات itself does not have الـ, the whole phrase is definite because المحفظة is definite.

Yes. That is possible.

Adding هي can give a little more emphasis or make the sentence feel slightly more explicit, like:

• هذه محتويات المحفظة = these are the wallet’s contents
• هذه هي محتويات المحفظة = these are the wallet’s contents / these are indeed the wallet’s contents

In many situations, the shorter version without هي is the most neutral and natural.

A fully vocalized version is:

هٰذِهِ مُحْتَوَيَاتُ الْمَحْفَظَةِ

A careful pronunciation would be approximately:

hādhihi muḥtawayātu al-maḥfaẓati

A few notes:

• هذه = hādhihi
• محتويات ends with -u here in full case-marked Arabic because it is the predicate in the nominative
• المحفظةِ ends with -i because it is the second term of the iḍāfa, so it is genitive

In normal pausal pronunciation, learners often hear something closer to:

hādhihi muḥtawayāt al-maḥfaẓa

It is a nominal sentence made of:

• هذه = the topic/subject-like element
• محتويات المحفظة = the predicate

In traditional Arabic grammar, you can analyze it as a demonstrative-based nominal sentence where هذه points to something and the phrase after it identifies what it is.

So the structure is roughly:

هذه + noun phrase

which corresponds to English:

These are + noun phrase

Not always. محفظة can mean different things depending on context, such as:

• wallet
• purse
• case
• portfolio

In modern usage, it can even be used in expressions like investment portfolio.

In this sentence, though, the everyday meaning wallet is the most likely one unless the wider context suggests something else.