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Frequently Asked Questions

  • Yes, the same eligibility criteria apply to both primary and supplementary credit cards.
  • Each cardholder must meet the required international spend condition independently to qualify for the benefit.

  • Eligibility is based on posted (settled) transactions, not pending ones. Customers should ensure their transactions are fully processed and posted before attempting lounge access.

  • It means the system checks 90 days backward from the date of the last international transaction processed to confirm eligibility.

  • If the required international spend (USD 5 within the last 90 days) is not met, lounge access will not be granted, and the visit will be declined.

  • An international transaction includes any purchase made outside Egypt or in foreign currency, whether performed abroad or through international online merchants.
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Crédit Agricole Egypt, 12M 2024 Standalone Financial Results

The Board of Directors of Credit Agricole Egypt approved the Bank’s results for the 12 months ended on Dec 31, 2024, at its meeting on Tuesday, February 4, 2025.

Main Highlights

  • Record Net Profit at record EGP 8,001 million, up 56% Year-on-Year;
  • Customer Deposits reached EGP 95.5 billion, up 13% Year-on-Year;
  • Gross Loans reached EGP 55.2 billion, up 29% Year-on-Year;
  • Current and Saving Accounts to Total Deposits reached 57% up by 6% Year-on-Year;
  • Non-Performing Loans ratio at 2% and Coverage Ratio at 200%;
  • Loans-to-Deposit Ratio at 58%, up +7% Year-on-Year driven by robust loan growth;
  • Resilient Capital Structure, Capital Adequacy Ratio of 20.05%;
  • Return on Average Assets at 6.9% up 1.2% Year-on-Year and Return on Average Equity at 44.6% up 2.5% Year-on-Year;
  • Cost Income Ratio at 19.8% lower by 2.5% Year-on-Year;

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