Credit Agricole Egypt · EGX:CIEB
Credit Agricole Egypt — Investor Presentation (December 2023)
23 slides from Credit Agricole Egypt's investor presentation, Dec 1, 2023
Slide 1: Crédit Agricole Egypt Investors Presentation 2023
CRÉDIT AGRICOLE EGYPT W O R K I N G E V E R Y D AY I N T H E I N T E R E S T O F O U R C U S T O M E R S & S O C I E T Y I N V E S T O R S P R E S E N TAT I O N - 2 0 2 3
Slide 2: Disclaimer
DISCLAIMER By attending the meeting where this presentation is made, or by reading the presentation slides, you agree to be bound by the following limitations: These materials contain statements about future events and expectations that are forward-looking statements. Any statement in this material
Slide 3: Table of Content
TABLE OF CONTENT 1 Macroeconomic overview 2 Credit Agricole Egypt – Who we are and our Ambition 3 Financial and Performance highlights 4 CSR & Sustainability 3 31/12/2023 - INVESTOR PRESENTATION
Slide 4: Egypt Factsheet
EGYPT FACTSHEET Country Profile Name Arab Republic of Egypt Capital Cairo Currency Egyptian Pound (EGP) Total area 1,002,000 sqm.km Inhibited area Governorates 7.8% of total area 27 Credit Rating Moody’s rating Caa1 Fitch / S&P rating B- Demographics Population 106 Mn Participation rate (Labor force
Slide 5: Egypt's Banking Sector: Data as of Aug 2023
EGYPT’S BANKING SECTOR: DATA AS OF AUG 2023 FOR 36 OPERATING BANKS IN EGYPT Total Loans (EGP bn) Total Deposits (EGP bn) Loans/Deposits ratio Loans Growth % Deposits Growth % Source: CBE 5 31/12/2023 - INVESTOR PRESENTATION
Slide 6: Table of Content
TABLE OF CONTENT 1 Macroeconomic overview 2 Credit Agricole Egypt – Who we are and our Ambition 3 Financial and Performance highlights 4 CSR & Sustainability 6 31/12/2023 - INVESTOR PRESENTATION
Slide 7: Crédit Agricole in Egypt
CRÉDIT AGRICOLE IN EGYPT CA Egypt is the sole CAE Share price trend French bank in Egypt, joined the EGX - Cairo stock exchange Coming from a corporate banking model, CA Egypt is a universal bank that offers diversified products and services to all clienteles in the economy SHARE HOLDING 65.252% 9.9
Slide 8: Crédit Agricole Egypt Fact Sheet
CRÉDIT AGRICOLE EGYPT FACT SHEET Diversified shareholder EGP 106 billion structure with 65.25% owned Total Balance Sheet Fully-fledged platform of digital Services by CA Group For individuals and corporate Market Capitalization Nationwide network of EGP 27.5 Billion 83 Branches and (USD 887 Million)
Slide 9: To Become the Bank of Choice of Our Customers
TO BECOME THE BANK OF CHOICE OF OUR CUSTOMERS KEY PILLARS OF CREDIT AGRICOLE EGYPT 2025 MTP RETAIL DIGITAL BANKING Be a digital and GROWTH DIGITAL Be recognized as providing relational bank of ENGINE STRATEGY “Best in Class” digital offering reference to customers across all GROUP segments and marke
Slide 10: Crédit Agricole Egypt Our Ambition
CRÉDIT AGRICOLE EGYPT OUR AMBITION To be the bank of choice for our customers Capitalizing on innovation and sustainability, we aim at offering excellence in customer relationship and create value for all our stakeholders. 10 31/12/2023 - INVESTOR PRESENTATION
Slide 11: A Universal Banking Model Driven by Relationship Excellence
CRÉDIT AGRICOLE EGYPT A UNIVERSAL BANKING MODEL DRIVEN BY RELATIONSHIP EXCELLENCE INDIVIDUALS A segmented approach to support all our customers with the appropriate offer in every CORPORATE stage of life WORKING A true banking partner, providing a EVERY DAY IN comprehensive range of services and exp
Slide 12: A Comprehensive Offer and Expertise for Corporates
CRÉDIT AGRICOLE EGYPT 5186 A COMPREHENSIVE OFFER AND EXPERTISE FOR CORPORATES Active Corporate Clients A RELIABLE BANKING PARTNER TO COMPANIES IN EGYPT RETAIL BANKING PAYROLL SERVICE GLOBAL TRANSACTION SERVICES • A dedicated coverage team for each segments PRIVATE (Multinationals, Large Corporate, M
Slide 13: Diversified Banking Channels for Customers Convenience
CRÉDIT AGRICOLE EGYPT Diversified banking channels for customers convenience 100% 100% HUMAN DIGITAL Nationwide Branches Business Hubs Direct Sales Force WORKING 24/7 Contact center EVERY DAY IN YOUR INTEREST AND FOR SOCIETY DIGITALLY ACTIVE Multichannel strategy putting in place state-of-the-art 1
Slide 14: Table of Content
TABLE OF CONTENT 1 Macroeconomic overview 2 Credit Agricole Egypt – Who we are and our Ambition 3 Financial and Performance highlights 4 CSR & Sustainability 14 31/12/2023 - INVESTOR PRESENTATION
Slide 15: Financials Highlights as at 31 December 2023
CREDIT AGRICOLE EGYPT: Financials Highlights as at 31 December 2023 vis-à- vis 31 December 2022 Best Ever Performance in terms Net Profit MEGP 5,142 +113% of Net Profit at Net 4thInterest Quarter Margin 9.3% Cost to Income Ratio 22.3% Assets BEGP 106 +41% NPL (% of Gross Loans) 3.1% Loans BEGP 43 +2
Slide 16: Profit and Loss as of December 2023 (YoY)
CREDIT AGRICOLE EGYPT: Profit and Loss as of December 2023 (YoY) • Net Banking Income increased +88% YoY reaffirming the bank’s commercial growth and efficient control on the cost of funding. • The Gross Operating Income increased by 115% YoY through pro-active and efficient control on operating exp
Slide 17: Business Evolution, Liquidity/Basel & Financial KPIs as of December 2023
CREDIT AGRICOLE EGYPT: Business Evolution, Liquidity/Basel & Financial KPI’s as of December 2023 (YoY) • Commercial activity growth continues to be good across segments with limited impact due to the evolution of the CD market thereby providing both Corporate and Individual customers with adequate f
Slide 18: Banking Sector KPIs: ROAA and ROAE
Banking Sector KPI’S: CAE continued to show good ROAA and ROAE among the banks operating in Egypt ROAA September 2023 Annualized ROAE September 2023 Annualized 18 31/12/2023 - INVESTOR PRESENTATION
Slide 19: Banking Sector KPIs: Good Asset Quality and Prudential Ratios
Banking Sector KPIs: Good Asset Quality and Prudential Ratios to act as key enabler for future growth Non-performing loans ratio Coverage ratio *Source CBE *2023 Figures as of Reports Sept • CAE has a robust risk management process which ensures that the NPLs are at all times timely detected, active
Slide 20: Table of Content
TABLE OF CONTENT 1 Macroeconomic overview 2 Credit Agricole Egypt – Who we are and our Ambition 3 Financial and Performance highlights 4 CSR & Sustainability 20 31/12/2023 - INVESTOR PRESENTATION
Slide 21: CA Egypt Foundation: Recent CSR Initiatives
CA EGYPT FOUNDATION: RECENTS CSR INITIATIVES SOCIAL ENTREPRENEURSHIP HEALTH SERVICES IMPROVEMENT SUPPORT AND EMPOWER WOMEN ECONOMICS “Torath Initiative” that empowers marginalized Financing the purchase of a mobile clinic and funding Partnering with the Ministry of Social Solidarity and the calibers
Slide 22: CA Egypt Sustainability Activities
CA EGYPT SUSTAINABILITY ACTIVITIES Sustainability Day In the occasion of celebrating the Sustainability Day globally, CAE hosted it’s 1st full-fledged on-ground activation for all employees under the theme of Sustainability and ESG. An activation that takes our employees through a journey of capacit
Slide 23: Connect With Us
CONNECT WITH US Jean-Pierre Trinelle Managing Director Investors Relations: Ravinarayanan Iyer Chief Financial Officer [email protected] Head Office | P.O. Box: 364 5th Settlement, 11835 - New Cairo 23 31/12/2023 - INVESTOR PRESENTATION
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