Investor Presentation | Second Quarter 2022

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. 2Q22 Group Revenue Contribution 25.7% 5-year CAGR: 20.0% Leasing Auto Rental Capital Consumer Finance and Factoring DRIVE FINANCE 56.7% 2Q22 Group Gross Profit Contribution Gross Profit Margin: 61.5% mnt Fintech Halan Lease 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. 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. 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). Drive has successfully rolled out its digital mobile app "Forsa" and was ranked number one in the App Store by downloads of the application. Additionally, Drive completed the onboarding of 340 merchants with plans to onboard about 1,000 by the end of 2022. Drive became the first consumer finance company to issue bonds when it completed its first bond issuance in the amount of LE 700 million. Proceeds from the transaction will be used to unlock further growth opportunities in consumer financing and to settle old bank debts. 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. Developed its scalable proprietary fintech ecosystem in- house, connecting customers, vendors and micro- enterprises through its consumer facing app, merchant app, Halan Neuron (distributed lending and payment processing software) and payment solutions (wallets and cards). MNT-Halan serves more than 4 million customers in Egypt (c.1 million monthly active users), of which 3.1 million are financial clients and 1.8 million are borrowers. MNT-Halan is currently focused on cross border expansion through capitalizing on its technological capabilities with an aim to replicate its business model in other countries. LE 152.1 million* 2Q22 Revenue LE 35.9 million* 2Q22 Revenue *Before intercompany eliminations. INVESTOR PRESENTATION | FIRST QUARTER 2022 LE 695.8 million* 2Q22 Revenue LE 1,473.5 million* 2Q22 Revenue 7

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