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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: 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.

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