Slide 1: Investor Presentation Second Quarter 2026
Investor Presentation SECOND QUARTER 2026 GB Corp | Investor Presentation 2Q26 1 INVESTOR PRESENTATION | SECOND QUARTER 2021
Slide 2: Disclaimer
Disclaimer This material is being furnished to you solely for your information on a or representatives shall have any liability whatsoever (in negligence or confidential basis and may not be reproduced, redistributed or passed on, in otherwise) for any loss howsoever arising from any use of this mat
Slide 3: Outline
Outline 04 GB Corp Overview 08 GB Auto 19 GB Capital 24 Consolidated Financial Performance 27 Key Corporate and Shareholder Information GB Corp | Investor Presentation 2Q26 3 INVESTOR PRESENTATION | SECOND QUARTER 2021
Slide 4: Group Overview
Group Group Overview Overview GB Corp | Investor Presentation 2Q26 4 INVESTOR PRESENTATION | SECOND QUARTER 2021
Slide 5: GB Corp is a leading automotive company in the Middle East and Africa
GB Corp is a leading automotive company in the Middle East and Africa and non-bank financial services provider in Egypt. The company operates under two distinct segments: GB Auto, which operates the core automotive business and encompasses four primary lines of business across the Middle East and Af
Slide 6: Established regional footprint with a strong portfolio of top global brands
The Group has an established regional footprint with a strong portfolio of top global brands. GB Auto Passenger Cars Commercial Vehicles & Construction Equipment Motorcycles & Three-Wheelers Trading GB CAPITAL GB Corp | Investor Presentation 2Q26 6 INVESTOR PRESENTATION | SECOND QUARTER 2021
Slide 7: Consolidated Financial Highlights
Consolidated Financial Highlights GB Corp delivered solid results in 1H26, with solid Revenue (EGP mn) Gross Profit (EGP mn), GP % contributions across both the Auto and Capital segments. 15.2% 16.9% 15.8% 15.3% 48,474.4 Revenues 7,421.9 Consolidated revenues increased 35.2% y-o-y to EGP 48,474.4 mi
Slide 8: GB Auto
GB Auto GB Corp | Investor Presentation 2Q26 8 INVESTOR PRESENTATION | SECOND QUARTER 2021
Slide 9: GB Auto Key Financial Highlights
GB Auto Key Financial Highlights GB Auto Revenue (EGP mn) Gross Profit (EGP mn), GP % 15.1% 15.8% 15.5% 14.3% 16,202.7 40,021.5 3,515.4 2,454.0 30,672.7 22,286.5 5,722.1 4,752.0 2Q25 2Q26 1H25 1H26 2Q25 2Q26 1H25 1H26 EBITDA (EGP mn), EBITDA % Net Debt (EGP mn), Net Debt / LTM EBITDA Ratio 10.1% 10.
Slide 10: GB Auto operations span the value chain from manufacturing to trading
GB Auto is comprised of diverse operations that span the value chain from manufacturing and assembly to sales, after-sales, and trading.* Passenger Cars Trading Egypt CV&CE Two, Three, and Four-Wheelers Assembly: Ready Parts Distribution: Assembly: Assembly: • Passenger car CKD and imported CKD • Di
Slide 11: Egypt, Jordan, and Iraq Passenger Cars
Egypt, Jordan, and Iraq Passenger Cars • GB Auto's passenger car segment delivered strong year-on-year growth in 2Q26, driven primarily by Egypt, supported by lower interest rates, pent-up replacement demand, and continued consumer purchasing ahead of potential price increases following the deprecia
Slide 12: Egypt, Jordan, and Iraq Passenger Cars
Egypt, Jordan, and Iraq Passenger Cars The passenger car segment delivered strong performance in 1H26, with GB Auto maintaining its leading position in the Egyptian market amid healthy demand conditions and continued portfolio expansion, including the ramp-up of local CKD production at the Sadat fac
Slide 13: Egypt Passenger Cars Market
EGYPT PASSENGER CARS MARKET The PC market in Egypt remained healthy in 2Q26, supported by resilient consumer demand during the period. PC Market, Annual Sales 81,475 215,072 69,175 207,973 195,559 35,803 167,792 145,886 141,983 133,973 133,857 133,760 33,629 127,443 99,530 FY13 FY14 FY15 FY16 FY17 F
Slide 14: Trading Business
Trading Business The Trading business, which encompasses Ready Parts distribution in Egypt and Iraq, as well as the Tires business in Egypt, delivered a solid performance as demand and supply conditions continued to normalize. 2Q25 1Q26 2Q26 Q-o-Q Y-o-Y 1H25 1H26 Y-o-Y Tires Revenue - (EGP 1,197.6 8
Slide 15: Egypt Commercial Vehicles & Construction Equipment
EGYPT COMMERCIAL VEHICLES & CONSTRUCTION EQUIPMENT GB Auto’s CV&CE line of business offers a range of commercial vehicle and construction equipment solutions in Egypt, including assembly, distribution, and manufacturing operations. Buses Trucks Construction After-Sales Equipment Facilities Strong vo
Slide 16: Two, Three, and Four-Wheelers (Light Mobility)
Two, Three, and Four-Wheelers (Light Mobility) The LoB delivered solid growth, supported by strong demand for two-wheelers and the continued expansion of the product range. Within the four-wheeler segment, the Qute light vehicle continued to show encouraging early traction as an alternative to the t
Slide 17: GB Auto Income Statement and Working Capital
GB Auto Income Statement (EGP million) 2Q25 1Q26 2Q26 Q-o-Q Y-o-Y 1H25 1H26 Y-o-Y Revenue 16,130.3 17,505.7 22,121.3 26.4% 37.1% 30,493.8 39,627.0 30.0% Inter-Segment Revenue 72.4 229.2 165.3 (27.9%) 128.2% 178.9 394.5 120.5% Total Revenue 16,202.7 17,734.9 22,286.5 25.7% 37.5% 30,672.7 40,021.5 30.
Slide 18: Key Ratios for GB Auto
Key Ratios for GB Auto (EGP million) 2Q25 3Q25 4Q25 1Q26 2Q26 Net debt / Equity* Units 0.83 0.96 1.14 0.94 1.07 Total Liabilities Less Cash / Equity Units 2.48 2.40 2.61 2.71 2.49 Current Ratio Units 1.16 1.17 1.17 1.14 1.14 Net Debt / LTM EBITDA Units 1.72 1.95 2.39 2.14 2.14 LTM EBITDA / Finance C
Slide 19: GB Capital
GB Capital GB Corp | Investor Presentation 2Q26 19 INVESTOR PRESENTATION | SECOND QUARTER 2021
Slide 20: GB Capital Key Financial Highlights
GB Capital Key Financial Highlights GB Capital Revenue (EGP mn) EBIT (EGP mn), EBIT % 10, 000.0 19.8% 10.6% 14.0% 11.0% 9,0 00.0 9,088.2 8,0 00.0 1,000.6 4,178.1 3,072.8 7,0 00.0 779.1 6,0 00.0 608.1 519.0 5,0 00.0 5,577.8 4,0 00.0 3,0 00.0 2,0 00.0 1,0 00.0 0.0 2Q25 2Q26 1H25 1H26 2Q25 2Q26 1H25 1H
Slide 21: GB Capital is a leading non-bank financial services provider in Egypt
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. 1H26 Group Revenue 1H26 Group Gross Profit Contribution* Contribution* 18.7% 23.7% Gross Profit Margin: 19.4% Leasing Consumer Finance S
Slide 22: GB Capital strategy and portfolio breakdown
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 – 2Q26 GB Capital Portfolio Breakdown by
Slide 23: GB Capital Income Statement (Before Elimination)
GB Capital Income Statement (Before Elimination) (EGP million) 2Q25 1Q26 2Q26 Q-o-Q Y-o-Y 1H25 1H26 Y-o-Y Revenue 1,932.7 2,952.1 3,636.3 23.2% 88.1% 3,435.0 6,588.4 91.8% Interest Income 1,140.1 1,226.0 1,273.8 3.9% 11.7% 2,142.8 2,499.8 16.7% Total Revenue 3,072.8 4,178.1 4,910.1 17.5% 59.8% 5,577
Slide 24: Consolidated Financial Performance
Consolidated Financial Performance GB Corp | Investor Presentation 2Q26 24 INVESTOR PRESENTATION | SECOND QUARTER 2021
Slide 25: Income Statement by Segment
Income Statement by Segment 1H26 (EGP million) GB Auto GB Capital Elimination GB Corp Revenue 39,627.0 8,847.4 - 48,474.4 Inter-segment revenue 394.5 240.8 (635.3) - Total revenue 40,021.5 9,088.2 (635.3) 48,474.4 Cost of sales (33,904.9) (7,147.6) - (41,052.5) Inter-segment cost of sales (394.5) (1
Slide 26: GB Corp Balance Sheet by Segment
GB Corp Balance Sheet by Segment As at 30 June 2026 (EGP million) GB Auto GB Capital Elimination GB Corp Property Plant & Equipment 10,546.3 1,720.9 14.8 12,281.9 Intangible Assets & Goodwill 986.8 10.3 - 997.1 Asset Right of Use 1,298.4 579.2 (86.0) 1,791.6 Investments in Subsidiaries 436.5 18,246.
Slide 27: Key Corporate & Shareholder Information
Key Corporate & Shareholder Information GB Corp | Investor Presentation 2Q26 27 INVESTOR PRESENTATION | SECOND QUARTER 2021
Slide 28: Shareholding structure and 52-week stock performance
GB Corp is focused on the long-term sustainability of the business and its ability to deliver to shareholders. A closer look at our shareholding structure as of 30 June 2026 GB Corp’s Shareholding Structure (%) Geographic Distribution of the Free Float (%) ◼ Egypt 54.6% ◼ Ghabbour Family 63.4% ◼ Sau
Slide 29: Glossary of Commonly Used Terms
Glossary of Commonly Used Terms CKD Completely Knocked Down. These are kits imported from the supplier and assembled in Egypt, using the locally-mandated percentage of domestic parts. CBU Completely Built Up. This refers to vehicles that are imported fully-assembled. LOB Line of Business. LTR Light
Slide 30: Thank you
Thank you INVESTOR RELATIONS Shareholder Information Mansour Kabbani Reuters Code: GBCO.CA Board of Directors Member Bloomberg Code: GBCO.EY Mohamed Younis Number of Shares Outstanding Chief Investment Officer 1,085,500,000 Sarah Maged Investor Relations Communications Manager Direct: +202 3910 0485