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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 Press Release: Standalone Financial Results for period ending June 30, 2025

The Board of Directors of Credit Agricole Egypt approved the Bank’s results for the period ending June 30, 2025, at its meeting held on Tuesday, July 29, 2025.

Main Highlights

  • Net Profit at EGP 3,534 million, down -16% Year-on-Year (due to exceptional FX income* in 1H24);
  • Customer Deposits reached EGP 103.9 billion, up 23% Year-on-Year;
  • Gross Loans reached EGP 59.3 billion, up 21% Year-on-Year;
  • Loans-to-Deposit Ratio at 57.0%, down 1% Year-on-Year;
  • Current and Saving Accounts to Total Deposits reached 57.2%, up 2% Year-on-Year;
  • Non-Performing Loans ratio at 2.1% and Coverage Ratio at 184.5%;
  • Resilient Capital Structure, Capital Adequacy Ratio of 20.4%;
  • Return on Average Assets (ROAA) at 5.4% down 2.2% Year-on-Year and Return on Average Equity (ROE) at 34.1% down 19% Year-on-Year;
  • Cost Income Ratio at 26% Up by 8% Year-on-Year indicating regularization trend;

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