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Frequently Asked Questions

  • EFG Hermes Asset Management is the fund manager for Credit Agricole I, Credit Agricole II equity funds and Credit Agricole III money market fund. With over 25 years of experience in the Egyptian market, the fund manager makes investment decisions on behalf of the investors based on through research and close monitoring of market conditions. EFG Hermes Asset Management is responsible for the performance of the funds under its management, as they handle the investment part of the fund.

  • All mutual funds announce the Investment Certificate price on a weekly basis, allowing investors to track their performance. Additionally, the fund manager publishes quarterly fact sheets that provide insights into the fund’s performance.

  • You can subscribe by signing a subscription form at any of the bank’s branches across Egypt. Subscription frequency varies depending on the fund type. Some funds offer daily subscriptions, while others provide weekly subscriptions. However, in all cases orders must be submitted before 12:00 pm on any applicable day.

  • Returns represent the total net profits or losses (in some types of mutual funds) achieved against the invested amount during a specific period. To view the returns for the mutual funds offered by the bank Click Here

    • Redemption orders can be signed at any of the bank’s branches across Egypt. Redemption frequency varies depending on the fund. Some funds offer daily redemption, while others provide weekly redemption. However, in all cases, orders must be submitted before 12:00 pm on any applicable day
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Crédit Agricole Egypt: Standalone Financial Results for the year ending December 31, 2025

The Board of Directors of Credit Agricole Egypt approved the results for the 12 months ending December 31, 2025, at its meeting held on Wednesday, February 4, 2026.

Main Highlights

  • Net Profit at EGP 6,949 million, down -13% Year-on-Year (Exceptional FX Income* in 1Q24);
  • Customer Deposits reached EGP 110.2 billion, up 15% Year-on-Year;
  • Gross Loans reached EGP 67.5 billion, up 22% Year-on-Year;
  • Loans-to-Deposit Ratio at 61.3%, up 3.5% Year-on-Year;
  • Current and Saving Accounts to Total Deposits reached 54.6%, down 2.5% Year-on-Year;
  • NPL ratio at 2.2% up 0.2% Year-on-Year and Coverage Ratio at 167.4% down 32.4% Year-on Year;
  • Return on Average Assets (ROAA) at 5.1% down 1.8% Year-on-Year and Return on Average Equity (ROE) at 30.9% down 13.7% Year-on-Year;
  • Cost Income Ratio at 26.2% Up by 6.3% Year-on-Year indicating regularization trend;
  • Resilient Capital Structure, Capital Adequacy Ratio of 19.5% down 0.6% Year-on-Year;

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 12M24.

To know more click here

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