Investor Presentaiton
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.
1Q20 Group Revenue
Contribution
19.4%
5-year CAGR: 26.9%
Lease
Leasing
Haram
TOURIST TRANSPORT
Capital
Consumer Finance and
Factoring
DRIVE
FINANCE
45.2%
1Q20 Group Gross Profit
Contribution
Gross Profit Margin: 35.6%
Microfinance
مشروعي
Mashroey
تساهيل.
Tasaheel
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.
Car rental company HTT 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.
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).
Operates out of 3 permanent
locations, 2 in Cairo and 1 in
Alexandria, and via GB Auto's
showrooms and dealer network
across Egypt.
Operations are non-exclusive to GB
Auto.
Established March 2010 and offers
asset-based microfinance lending to
eligible clients in the low-income
segment.
The company has an extensive
product base, extending credit to
finance the purchase of three-
wheelers, motorcycles, YTO tractors
and minivans (all GB Auto products),
tricycles (non-GB Auto), and pre-
owned three-wheelers.
Credit policy is stringent; portfolio
tenor is predominantly short term.
It operates a nationwide network of
137+ branches and units.
Launched in August 2015, Tasaheel is
a microfinance company focused on
direct lending to microfinance eligible
clients, predominately group lending
to women.
It aims at helping low-income earners
generate higher incomes and improve
their living standards; and in doing so,
it also supports overall community
development and economic growth.
It operates a nationwide network of
188+ branches.
LE 135.0 million*
1020 Revenue
*Before intercompany eliminations.
LE 22.9 million*
1Q20 Revenue
INVESTOR PRESENTATION | FIRST QUARTER 2020
LE 498.3 million*
1Q20 Revenue
LE 382.6 million*
1020 Revenue
LE 372.8 million*
1Q20 Revenue
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