| Vehicle Financing and Leasing | Hire-purchase and leasing of transport and earth-moving vehicles | Strong regional dealership network, long-standing industry presence | Transport operators, construction and mining firms; B2B and B2C segments | Leasing of construction and mining equipment | | | Interest income and service fees from financing and leasing contracts | Structured loans with interest-based pricing, hire-purchase agreements | Infrastructure development needs driving equipment financing demand | TELCO vehicle financing and leasing services |
| Financial Services | Merchant banking, insurance advisory, asset and fund management, factoring services | Established client relationships and collaborative ventures with global institutions | Corporate clients and individual investors; B2B and B2C | Corporate advisory and asset management services | | | Fees, commissions, and advisory charges | Fee-based and performance-linked revenue models | Growing financial market activities and demand for diversified financial solutions | Asset management, corporate advisory, stock brokerage |
