2017 Gentai Team Building Trip to Cancun A Dream Tour to the Legendary “Vessel at the End of the Rainbow”

In celebration of another successful year of operation in 2017, Gentai Financial Group and its staff set off on a most fascinating journey to Cancun, where the Gentai people and their families, a group of 25, were to spend the next 5 fun days.

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  1. Day One

Arriving at Iberostar Hotel, settling down, and enjoying the tranquility of the world famous white-sand beaches after a buffet feast at the luxury 5-star hotel.

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  1. Day Two

In the morning, having an in-depth exchange among the staff at the Conference Room, with games lightening up the atmosphere.

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  1. Day Three

Visiting the Mayan Ruins to discover the amazing Mayan civilization.

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  1. Day Four

Exploring Xcaret Park Mexico, the best eco-archaeological park in Cancun, enjoying snorkeling, swimming with dolphins, exciting nightlife, gourmet food, and much more.

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  1. Day Five

Hanging out at the beach, taking group photos, and getting ready to leave.

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Following last year’s trip to Hawaii, this is another unforgettable teambuilding experience where the Gentai people learned how to enhance and treasure valuable relationships in their lives that make them thrive both at work and in life.

 

 

Long-Term Sustainable Wealth Building Starts With Gentai

 

 

Gentai Capital Corporation

December 15, 2017

GENESIS MORTGAGE INVESTMENT CORP DECLARES 2017 4TH DIVIDEND

Dear shareholders of Genesis MIC,

        Genesis Mortgage Investment Corporation (Genesis MIC) is pleased to announce in Vancouver on October 13, 2017 that our Board of Directors have decided that the fourth quarter dividend continues to be CAD0.02/unit. The dividend shall be deposited to your account on October 16, 2017 (October 15, 2017 being a Sunday), covering the interest from July 1, 2017 to September 30, 2017, a total of 92 days. Please check your bank account for the deposit. Online access to your personal account information is also available at www.gentaicaptial.com. If there are any questions, don’t hesitate to contact us!



Key Financial Data

       It has been the mission and goal of Gentai Capital Corporation to achieve stable, safe, and above-average investment returns for its shareholders by implementing such risk control measures as 100% secured loan and joint-and-several liability guarantee. In the fourth quarter of 2017, Gentai Capital Corporation continues to deliver to its shareholders an annual interest rate of 8% and an annual compound interest rate of 8.24%, making it the 20th distribution of stable cash flow for its shareholders since its inception in 2012. The total amount of this quarterly distribution is CAD1,297,767.96, the 20th distribution of regular dividend in addition to one distribution of special dividend. Up to September 30, 2017, cumulative dividend distributed has reached CAD12,547,395.37.

 

20 Consecutive Distributions of Dividends by Genesis MIC 

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(Up to September 30, 2017) 

       The end of the fourth quarter of 2017 marks the 5th anniversary of Gentai Capital Corporation. It is also the 20th time Gentai Capital has achieved its annual expected rate of return of 8.24% for the shareholders of Genesis MIC. Gentai has grown into a reliable investment brand with a good reputation and a strong business presence as opposed to being a fledgling financial company five years ago. It was rated the 14th fastest growing company in Canada by Canada Business in 2016. While gaining market recognition, the company has constantly improved its business income, laying a solid foundation for the next giant leap ahead!

Future Prospects

Effective as of October 2016, investments in Genesis MIC can be made through TFSA (Tax-Free Savings Account) and RRSP (Registered Retirement Savings Plan). For all investment returns on these accounts, tax may be reasonably avoided/deferred, leaving shareholders much room to deal with other taxable items. However, we’d like to draw your attention to the fact that only Canadian residents for tax purposes may enjoy the benefits of these registered accounts. Should you have any questions, please contact us through WeChat, phone, or email.

Focus on the Market, and Create Value; Preserve Capital, and Enjoy the Future Together. By delivering to its shareholders an annual interest rate of 8% and an annual compound interest rate of 8.24% in the fourth quarter of 2017, marking the 20th distribution of regular dividend in addition to one distribution of special dividend, Gentai Capital Corporation has kept generating stable returns and cash flows for its shareholders. Gentai Capital Corporation has held on tight to its commitment to providing a capital preservation and wealth generation platform for its shareholders.

As Gentai Financial Group is moving into the new Gentai Building in December 2017, it is taking the company to the next new level of growth, expansion and prosperity. We have full confidence, capability, and capacity to maintain reliable and above-average returns for our investors! Gentai Capital Corporation preserves and generates capital for you. Choose Gentai, and enjoy a life of wealth and happiness.

On behalf of Gentai Financial Group, we express our sincere thanks to you for your staunch support. Should you need more information, please contact our Investment Division at 604-762-6266 (Mr. Michael Chen) / 604-767-5880 (Ms. Anya Han) or visit our website at www.gentaicapital.com.

Gentai Capital Corporation

October 16, 2017

 

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Highlights of the 4th Quarter

  1. Total mortgage interest of $1.79 million, a 16.23% increase compared to the previous quarter;
  2. Regular quarterly dividend continues at 2% with an annual rate of 8%, plus special dividend at year end, as determined by the Board of Directors.
  3. Average Loan-to-Value ratio is 53.70%.
  4. Mortgages receivable has reached $75.38 million, an increase of 15.22% in mortgage volume compared with the previous quarter.

Continued focus on low-risk real estate market

Mortgage Portfolio Analysis

Mortgage Portfolio Analysis up to September 30, 2017



By Property Location:

Mortgaged properties are mainly located in central areas with Vancouver, Surrey, and West Vancouver as top three locations. Priority is given to urban centers where property market is more active with stronger risk resistance.

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By Mortgage Type:

There are single houses, townhouses, condos, commercial properties, building and construction loans, among which single houses claim the highest ratio, 43.80% of the total. A diversified investment portfolio mitigates risks.

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By Loan Interest:

Up to September 30, 2017, the average loan interest is 10.14%. Gentai Capital Corporation exercises strict risk control over lending. Our prudent and rigorous lending policy not only generates a stable return of 8.24 for five consecutive years, but also puts a cap on higher-interest risky deals.

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By Loan-to-Value Ratio:

Up to September 30, 2017, the average LTV ratio is 53.70%. The total LTV ratio of more than 95.3% of the loans is lower than the 75% of the third-party appraised value.

Since the second quarter of 2016, the highest LTV ratio of Genesis MIC has been lowered from 75% to 65% in response to recent and future uncertainties in the real estate market.

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By Loan Position:

In the coming two years, Genesis Capital Corporation will gradually increase the percentage of 1st position loans.

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A Mortgage Investment Manager

Long-term Sustainable Wealth Growth Starts With Gentai

【Activity Review】27th Gentai Capital SavourLife Activity: Mid-autumn Ice Crust Mooncake Making Class

On the occasion of the Moon Festival, Gentai Capital hosted the Mid-autumn Ice Crust Mooncake Making Class, the 27th Gentai Capital SavourLife Activity. The reception among the shareholders was so well that a second session was added. The class was held at the 2nd floor Meeting Room of Canada Berries. Thanks to the meticulous planning of Gentai, our shareholders and friends had a fun and pleasant time making mooncakes in an elegant and peaceful environment. The aroma of the baked cakes together with the sweet scents of berry wines added to the festive atmosphere.

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Before the class started, Investment Relationship Manager Anya gave a brief overview of the current status of the company, including our estimated goal for annual return, the renovation of the new office building, and a tentative plan of the 5th Annual Shareholder Meeting. This was followed by a Q & A session where Anya answered shareholders’ questions accurately and explicitly, and shareholders expressed their appreciation for the operation and profitability of the company and were pleased about the stable growth and expansion of the company. Thanks to such a professional management team, the shareholders are able to enjoy stable, high-return, and hassle-free investment products.

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Finally, it was time to learn how to make ice crust mooncakes! Instructor Yilin Zhang, who has 10 years of baking experience with students all over Greater Vancouver, was invited to explain and provide on-site instructions as to how the delicious ice crust mooncakes are made.

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First, the shareholders listened attentively to Instructor Yilin who demonstrated and explained the steps how fillings were made for two different types of mooncakes. Then, the shareholders were split into groups and set off the adventure of making the mooncakes by themselves under Yilin’s guidance!

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All of a sudden, our shareholders turned into gourmet food makers. With the cooperation of the group members and with the instructions given by Yilin, our shareholders quickly got the hang of it. They made the fillings and doughs, steamed the doughs, did the wrapping and moulding, and finally produced their very own ice crust mooncakes.

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At lunch time, the shareholders enjoyed a feast with plenty of food prepared by Gentai, the mooncakes made by shareholders themselves, and the red wine. It was altogether an unforgettable experience!

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That concluded the 27th Gentai Capital SavourLife activity. Gentai Capital Corporation was pleased to reunite with the shareholders on the Moon Festival. Our shareholders not only took home a gift pack of additive-free mooncakes handmade by Yilin, but also a message of beautiful wishes and happiness to their families and friends!

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On the occasion of Moon Festival, Gentai Capital Corporation wishes our shareholders harmony, prosperity, and happiness.

 

Long-term Sustainable Wealth Building Starts With Gentai!

 

 

Gentai Capital Corporation

Oct 4th, 2017

GENESIS MORTGAGE INVESTMENT CORP DECLARES 2017 3RD DIVIDEND

logo FINAL 0117 2016

        VANCOUVER, –  June 30th 2017: Genesis Mortgage Investment Corporation (Genesis MIC) is pleased to announce today that its board of directors has declared a quarterly dividend of $0.02 per Class A preferred share of the Company. The 3RD Quarter Dividends will be deposited by no later than July 17th 2017. Online access to your account activity is available anytime via:  www.gentaicapital.com

As of June 30th 2017,  the amount of this Quarterly distribution is equivalent to $1,120,517.23, and the cumulative distribution has reached to $11,249,627.41

ABOUT THE COMPANY

        Genesis MIC is a non-bank provider of residential and commercial mortgages. The Company's objective is to acquire and maintain a diversified portfolio of first and second mortgages in Canada that preserves capital and generates attractive returns in order to pay quarterly dividends to its shareholders. The Company focus on short-term bridge financing needs not currently serviced by larger financial institution. Gentai Capital Corporation is the manager of and portfolio advisor to the Company.

        Genesis Mortgage Investment Corp is a Mortgage Investment Corporation (MIC) as defined in the Income Tax Act, so is not taxed on income provided that its taxable income is paid to its shareholders in the form of dividends within 90 days after December 31 each year. Such dividends are generally treated by shareholders as interest income. For further information, please refer to Gentai’s website at www.gentaicapital.com

Key Financial Data Analysis

       In the third quarter of 2017, Gentai Capital Corporation has maintained a stable and healthy growth, continuously delivering to shareholders an annual interest rate of 8% and an annual compound interest rate of 8.24%. The total amount of this quarterly distribution is CAD1,120,517.23, making it the 19th distribution of regular dividend in addition to one distribution of special dividend since since its inception in 2012. Up to June 30, 2017, cumulative dividend distributed has reached CAD11,249,627.41.

19 Regular Distributions and 1 special distribution by Genesis MIC 

(Up to June 30, 2017) 

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Highlights of the 3rd Quarter

  1. Total mortgage interest of 1.54 million, a 11.59% increase compared to the previous quarter;
  2. Regular quarterly dividend continues at 2% with an annual rate of 8%, plus special dividend at year end, as determined by the Board of Directors.
  3. Average Loan-to-Value ratio is 57.93%.
  4. Mortgages receivable has reached $65.42 million, an increase of 5.24% compared with the previous quarter.

Continued focus on low-risk real estate sectors.

Quarterly Business Review

        Mortgage PortfolioCAD65,422,415.97. By Loan Type: Single houses, townhouses, condos, commercial properties, building and construction loans, among which commercial properties and single houses account for 38.44% and 35.12% respectively. By Property LocationA diversified geographical coverage to minimize risks.

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        By Loan Interest: Average loan interest of 9.96% for the 3rd quarter, an increase of 0.14% over the previous quarter; diversified interest rates, mostly ranging from 8% to 12%.  

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        Cashing in on years of lending experience and extensive lending channels, Genesis MIC lend in major urban centres where stability and liquidity of real estate are strong. We focus on loans that cannot be obtained from large financial institutions but comply with our lending guidelines to fill the lending gap caused by the limited number of financial institutions operating in Canada. When reviewing loan applications, we focus on borrower’s credit standing, personal background, and assets as well as location and value of the mortgaged property. Within the scope of our conservative and prudent lending policy, Genesis MIC, on one hand, provides owners and buildings of all types of residential and commercial properties in Canada with fast, flexible, and customized short-term mortgage solutions, including term, bridge, and construction financing, to help borrowers with property purchasing, refinancing, property renovation, project development or construction financing, and on the other hand, provides individual and institutional investors with low-risk, high-return mortgage investment opportunities by issuing short-term 100% high-quality property secured mortgage loans, focusing on high-asset borrowers, rigorous controlling of loan-to-value ratio, pursuing a national-wide lending initiative, and maintaining an investment portfolio diversified by size, geography, and property type.  

 

        Our strategy is to expand our business in an orderly fashion by gradually enlarging our geographical coverage and focusing on low-risk properties. Up to now, we lend not only in British Columbia but also in Alberta and Ontario, making solid steps towards our goal to lend throughout Canada. Genesis MIC’s mandate is to achieve capital preservation and deliver reliable, safe, continuous higher-than-average return to our investors through quarterly distribution of regular cash flow.

         On behalf of the elite group of Gentai Financial Group, we express our sincere thanks to your for your staunch support. Should you need more information, please contact our Investment Division (Anya) at 604-767-5880 or visit our website at www.gentaicapital.com .

For further information, please contact:

Anya Han

Relationship Manager

Gentai Capital Corporation

T: 604.279.0360 | 604.638.1580 | 604.218.9956 || C: 604.767.5880

E: anya.han@gentaicapital.com