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Frequently Asked Questions

  • Once eligibility condition meets, customers will enjoy unlimited lounge visits

  • The eligibility is calculated based on a rolling 90-day period, not linked to calendar quarters. It is dynamically calculated based on the latest international transaction date.

  • Customers are advised to perform the required international transaction at least 5 business days prior to the lounge visit, to ensure the transaction is settled and posted successfully.

  • To enjoy lounge access, customers must spend a minimum cumulative international transaction value of USD 5 using their credit card within the 90 days prior to the lounge visit.

Customers can verify their eligibility through the Visa Airport Companion application The application will:
  • Automatically calculate the 90-day eligibility period, and
  • Confirm whether the customer meets the required spending criteria and will be reflected on the eligibility status whether Locked or unlocked.
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Crédit Agricole Egypt: Standalone Financial Results for period ending September 30, 2025

The Board of Directors of Credit Agricole Egypt approved the Bank’s results for the period ending September 30, 2025, at its meeting held on Tuesday, October 28, 2025.

Main Highlights

  • Net Profit at EGP 5,131 million, down -15% Year-on-Year (Exceptional FX income* in 1Q24);
  • Customer Deposits reached EGP 107.1 billion, up 27% Year-on-Year;
  • Gross Loans reached EGP 61 billion, up 18% Year-on-Year;
  • Loans-to-Deposit Ratio at 56.9%, down 5% Year-on-Year;
  • Current and Saving Accounts to Total Deposits reached 56.5%, down 1% Year-on-Year;
  • Non-Performing Loans ratio at 2.4% and Coverage Ratio at 172.1%;
  • Resilient Capital Structure, Capital Adequacy Ratio of 20.2%;
  • Return on Average Assets (ROAA) at 5.2% down 2.1% Year-on-Year and Return on Average Equity (ROE) at 31.7% down 16% Year-on-Year;
  • Cost Income Ratio at 27% Up by 8% Year-on-Year indicating regularization trend;

CAE benefitted from an exceptional volume of FX transactions in 1Q24 post devaluation due to clearance of import payments backlog which generated exceptional FX income impacting positively Net Profit, ROAA, ROE in 9M24.

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