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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