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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