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Frequently Asked Questions

  • Yes. The draw mechanism is cumulative. Every additional EGP 20,000 of fresh funds booked into a CD grants you one extra chance (e.g., EGP 100,000 gives you 5 chances).

  • This offer is exclusively for New-to-Bank customers (including Youth NTB) who increase their fresh funds by a minimum of EGP 20,000 and book it into an EGP Certificate of Deposit.

The cashback payouts will occur in two phases based on when the fresh funds are evaluated:
  • First Phase: Credited during October 2026 (reflecting growth from end-of-September vs. end-of-July).
  • Second Phase: Credited during January 2027 (reflecting growth from end-of-December vs. end-of-September).

Fresh funds are measured by the net increase in your Local Currency Assets Under Management (LCY AUM) across two distinct tracking periods:
  • First Draw: The increase in LCY AUM at the end of September 2026 compared to the end of July 2026.
  • Second Draw: The increase in LCY AUM at the end of December 2026 compared to the end of September 2026.

  • The campaign targets all existing Crédit Agricole Egypt customers, New-to-Bank customers, New-to-Bank customers,
  • And specifically features tailored offers for Youth customers.
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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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