Investor Presentation 3Q23
Corp
GB Capital is a leading non-bank financial services provider in Egypt and targets further growth through expanding its
existing businesses and adding new services.
3Q23 Group Revenue
Contribution
13.0%
Capital
3Q23 Group Gross Profit
Contribution
11.6%
Gross Profit Margin: 19.5%
Lease &
Factoring
Established in 2008, GB Lease
provides business-to-business
lease finance solutions. It is
non-exclusive to GB Auto and
caters to a diversified client
base, ranging from
multinationals, local
corporates, and SMEs.
Focuses on risk diversification
by asset class, industry and
clients; asset base covers all
asset classes, including real
estate, automotive and
production lines. Portfolio
tenor is mostly medium term.
Implements prudent risk-
management practices for
provisions and risk
recognition.
Leasing
Auto Rental
Previously known as Haram.
Tourism Transport, GB Auto
Rental joined GB Capital in late
2012, operating on a quasi-
operational lease basis.
It is Egypt's premier vehicle
fleet-leasing company, serving
a select range of top-tier
industrial, services private
sector companies,
multinationals, and financial
institutions.
Average tenor of the portfolio
is three years.
Company's service agreements
entail vehicle acquisition,
registration, maintenance, and
insurance that extends to third-
party damage and passengers.
EGP 252.8 million*
3Q23 Revenue
EGP 57.9 million*
3Q23 Revenue
Consumer Finance
DRIVE
FINANCE
Drive provides factoring
services to a diversified client
base, ranging from business-
to-business (SMEs) to
business-to-consumer (retail),
with a focus on the auto
finance sector.
Operating under a robust
credit policy, it maintains a
well-developed portfolio,
offers medium-term tenors,
and focuses on risk
diversification by product
type, client base, and brands
(where auto loans are
concerned).
فرصة
FORSA
Unlock your Chances
Forsa is an easy-to-use mobile
application that uses the BNPL
concept for a diverse product
range through its innovative
platform.
Forsa's merchant network
reached over 1,000 merchants
in more than 5,000 stores at
the end of 3Q23. This growth
was driven by collaborations
with additional brands as well
as the inclusion of a broader
range of products and
services.
EGP 891.7 million*
3Q23 Revenue
SME-Lending
kredit
Launched in 2023, Kredit is an
FRA-regulated SME lending
company, which provides
financial solutions to SMEs
across all segments in the
Egyptian market.
Kredit offers exceptional
lending and mentoring services
allowing SMEs to access vital
financial support to achieve
growth and sustainability.
The Company aims to drive.
financial inclusion and support
SMEs through a
comprehensive suite of SME-
focused financial solutions.
Kredit disbursed EGP 50
million to kickstart its
operations
mnt
Fintech
Halan
Egypt's largest and fastest
growing non-bank lender to
the unbanked offering digital
solutions, including lending,
BNPL, e-commerce, payments,
and on-demand logistics.
MNT-Halan serves over 5
million customers, of which 3.5
million are financial clients and
over 2 million are borrowers.
MNT-Halan expanded its range
of digital products by launching
a savings product through the
Halan app in partnership with
Azmiut (AZ Halan fund), where
clients receive their interest on
a daily basis.
MNT-Halan introduced its first
physical store "Halan Mart,
which covers a wide range of
products.
MNT-Halan's micro-finance
loan books is +25.4% of the
Egyptian market
*Before intercompany eliminations.
GB Corp | Investor Presentation 3Q23
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