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.