Investor Presentaiton

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 - 1Q20 GB Capital Portfolio Breakdown by Loan Size 1Q20 0 < 1 year 51% >1 year <3 years 31% > 3 years < 6 years 17% > 6 years 2% GB Capital Portfolio Breakdown by Asset Type 1Q20 <LE 100K > LE 100K < LE 500K 48% 13% > LE 0.6MM < LE 10 MM 4% > LE 10MM < LE 100 MM 14% > LE 100MM 21% Supplementary Financial Information - GB Capital 1Q19 FY19 1Q20 Net Portfolio Assets (LE mn) 8,552.8 9,100.2 10,000.3 Debt/Equity X 3.81x 3.38x 3.17x Automotive 31% Debt/Equity Regulator Definition X 3.11x 2.68x 2.66x Real Estate 28% Equity Loan Portfolio % 21.0% 25.8% 25.4% Machinery & Equipment 3% Annualized Return on Avg. Equity (ROAE) - Excluding NCI* % 30.8% 35.1% 27.4% Agriculture Equipment 10% Annualized ROAA [Annualized the period EBIT pre-funding costs after tax / average assets of period] % 21.6% 22.3% 18.3% SME Factoring 2% Electrical Appliances Others 1% Annualized net interest margin (%) [(interest income - interest expense) for the last quarter X 4 / average portfolio size for the quarter] Provision for portfolio: % 13.1% 15.9% 18.0% Provision (BS) / Loan portfolio % 25% Provision (BS) / NPL % (Coverage ratio) NPL/Loan portfolio % % 2.55% 2.94% 2.99% % 216% 204% 199% % 1.18% 1.45% 1.50% INVESTOR PRESENTATION | FIRST QUARTER 2020 24

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