Investor Presentation | Second Quarter 2022
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 - 2Q22
GB Capital Portfolio Breakdown by Loan Size - excluding provisions - 2Q22
0
< 1 year
>1 year <3 years
> 3 years < 6 years
> 6 years
51%
36%
13%
0%
C
< LE 100K
49%
> LE 100K < LE 500K
17%
> LE 0.6MM < LE 10 MM
7%
> LE 10MM < LE 100 MM
10%
> LE 100MM
17%
GB Capital Portfolio Breakdown by Asset Type - excluding provisions - 2Q22
Net Portfolio Assets
Supplementary Financial Information - GB Capital
1H21 FY21 1H22
(LE mn)
Debt/Equity
X
Automotive
29%
Equity Loan Portfolio
%
13,842.2 14,340.1 16,104.8
2.98x 2.50x 2.43x
27.8% 32.7% 33.3%
Real Estate
21%
Annualized Return on Avg. Equity (ROAE) - Excluding NCI*
%
19.0% 22.3% 22.2%
Machinery & Equipment
2%
Annualized ROAA [Annualized the period EBIT pre-funding costs after tax
/ average assets of period]
%
13.9% 15.8% 17.9%
Agriculture Equipment
13%
SME Factoring
1%
Annualized net interest margin (%) [(interest income - interest expense)
for the last quarter X 4 / average portfolio size for the quarter]
Provision for portfolio:
%
18.0% 18.6% 18.5%
Electrical Appliances
4%
Provision (BS)/Loan portfolio %
Provision (BS) / NPL % (Coverage ratio)
Others
30%
NPL/Loan portfolio %
%
%
%
3.12% 2.13% 2.05%
120% 105% 83%
2.60% 2.02% 2.48%
INVESTOR PRESENTATION | SECOND QUARTER 2022
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