Investor Presentation 3Q23
Corp
GB Capital's strategy is to benchmark operations against the best in the field, building on strict and robust credit, risk
classification and provisioning policies developed for each industry.
GB Capital Portfolio Breakdown by Maturity - excluding provisions - 3Q23
< 1 year
30%
> 1 year <3 years
39%
> 3 years < 6 years
31%
GB Capital Portfolio Breakdown by Loan Size - excluding provisions - 3Q23
< EGP 100K
12%
> EGP 100K < EGP 500K
21%
> EGP 0.5MM < EGP 10
MM
19%
> EGP 10MM < EGP 100
MM
23%
> EGP 100MM
26%
Supplementary Financial Information -
GB Capital Portfolio Breakdown by Asset Type - excluding provisions - 3Q23
GB Capital (Excluding MNT-Halan)
9M22
FY22 9M23
Net Portfolio Assets
(EGP mn) 7,935.6 5,384.5 9,455.1
Debt/Equity
X
Automotive
42%
Equity/Loan Portfolio
%
1.96x 0.44x
40.3% 216.4%
0.48x
159.0%
0
Real Estate
40%
Annualized Return on Avg. Equity (ROAE) -
Excluding NCI*
%
26.8% 20.8%
6.3%
Machinery & Equipment
4%
Annualized ROAA [Annualized the period EBIT
Commercial
6%
pre-funding costs after tax / average assets of
%
16.3%
73.4%
8.3%
Other
8%
period]
Annualized net interest margin (%) [(interest
income - interest expense) for the last quarter X
%
9.2%
11.5%
6.5%
4/ average portfolio size for the quarter]
Provision for portfolio:
Provision (BS) / Loan portfolio %
%
Provision (BS) / NPL % (Coverage ratio)
%
NPL/Loan portfolio %
%
4.13% 5.34%
108% 105%
3.83% 5.08%
3.65%
99%
3.69%
27
GB Corp | Investor Presentation 3Q23View entire presentation