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GB Auto has always aimed to create a full-f ledged financial arm that partially Serves its core business while Competing with other non-bank financial Service providers. At the forefront Of this strategy is GB Capital, which Today oversees the operations of the Group’s five non-bank financial service Providers. Overall, the Financing Businesses line has been growing steadily, with GB Capital’s strategy being to benchmark its operations against the best in the field, building on strict and robust credit policies specifically developed for each industry.

 

All GB Capital companies are staffed with veterans of the financial services industry to provide the required expertise and know-how in their distinctive areas, and all companies work on a non-exclusive basis with GB Auto to ensure the competitiveness of their operations. The companies’ credit approval and disbursement mechanisms are highly advanced and fully comply with the best practices observed by financial institutions in the country.

 

Furthermore, asset quality and collections — being the backbone for the success of any financial institution — are closely monitored and controlled within each company, with results that match and exceed industry norms. The aim of GB Capital is to develop a well-diversified and synergetic group of financial services, building on the spirit and strategy of GB Auto, while maintaining a high level of focus and specialized expertise within each company. GB Capital is constantly on the lookout for new additions to complement its portfolio.

GB Lease

GB Lease, which was initially established in 2008 to provide finance to Ghabbour Auto’s commercial vehicles and corporate fleet clients, has now diversified its field of operations into other asset classes 

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Mashroey

Mashroey, the Group’s microfinance venture, sells Ghabbour Auto’s Bajaj-branded two- and three-wheelers on credit terms to microfinance-eligible clients

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Drive

Drive is Ghabbour Auto’s consumer finance and factoring subsidiary, and is the latest addition to the Ghabbour Auto Financing Businesses suite. Drive will finance consumer purchases of our passenger car brands in phase one of its operations

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Haram Tourism Transport

(HTT, also known as Haram Limousine) operates as a car rental company on a quasi-operational lease basis. It is one of the market leaders in fleet leasing in Egypt and serves top-tier multinationals, financial institutions, as well as private sector companies, with its average tenor standing at three years.

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Tasaheel

is the most recent addition to GB Auto’s portfolio of financing businesses. It launched operations in August 2015 and provides direct microfinance lending to eligible clients, with a specific focus on group lending to women. Through Tasaheel, GB Auto aims to help low-income earners generate higher returns to improve their living standards, which in turn supports overall community development and economic growth.

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