Credit Agricole Egypt · EGX:CIEB
Credit Agricole Egypt — FY2025 Earnings Presentation
22 slides from Credit Agricole Egypt's earnings presentation, February 2026
Slide 1: Crédit Agricole Egypt Investors Presentation February 2026
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 F E B R U A R Y 2 0 2 6
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 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 7.8% of total area Governorates 27 Credit Rating Moody’s rating Caa1 S&P rating B Fitch rating B Demographics Population 118 Mn Participation rate (Labor
Slide 5: Egypt's Banking Sector: Data as of August 2025
EGYPT’S BANKING SECTOR: DATA AS OF AUGUST 2025 Total Loans (EGP bn) Total Deposits (EGP bn) Loans/Deposits ratio Loans Growth % Deposits Growth % 5 INVESTOR PRESENTATION Source: CBE
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 INVESTOR PRESENTATION
Slide 7: Crédit Agricole Group: Key Information
CRÉDIT AGRICOLE GROUP KEY INFORMATION #1 #1 Asset Manager Insurer in Europe in France 46 #1 Provider of Financing to countries the European Economy 54 million #1 Retail bank in the customers worldwide European union 8,250 #1 Bancassurance branches worldwide Group in Europe 154,000 #1 Cooperative Mut
Slide 8: Crédit Agricole Group: A Diversified Banking Group
CRÉDIT AGRICOLE GROUP A DIVERSIFIED BANKING GROUP Large Customers Specialised Asset Gathering Retail Banking Payment Systems Financial Services ASSET MANAGEMENT CONSUMER FINANCE FRANCE CORPORATE & INVESTMENT BANKING 39 Regional banks jointly holding the majority of The leading payment processor in N
Slide 9: Crédit Agricole in Egypt
Data as of December 2025 CRÉDIT AGRICOLE IN EGYPT EGP CA Egypt is the sole Share Price 9M 23.19 High CAE Share price trend Range French bank in Egypt, 17.50 Low joined the EGX - Cairo stock exchange Coming Share Price 22.46 as of 31-12-2025 from a corporate banking Shares Outstanding 1,250 Million m
Slide 10: Crédit Agricole Egypt Fact Sheet
Data as of December 2025 CRÉDIT AGRICOLE EGYPT FACT SHEET Listed on Egyptian stock exchange (EGX) Innovative & award-winning, fully-fledged digital platform “banki Mobile” CA Group owns Network of 65.25% of CAE shares (52,2% Crédit Agricole SA & 13,1% CACIB) 85 Branches and 894 ATMs Market Capitaliz
Slide 11: A Universal Banking Model Driven by Relationship Excellence
CRÉDIT AGRICOLE EGYPT A UNIVERSAL BANKING MODEL DRIVEN BY RELATIONSHIP EXCELLENCE Specialized Segment Offerings 100% owned subsidiary of CAE 11 INVESTOR PRESENTATION Housing Finance / Consumer Finance 1
Slide 12: A Reliable Banking Partner to Businesses in Egypt
CRÉDIT AGRICOLE EGYPT A RELIABLE BANKING PARTNER TO BUSINESSES IN EGYPT • A client-centric business model offering a comprehensive range of banking GLOBAL products & services. TRANSACTION SERVICES • Local knowledge backed by the international expertise & presence of CA TRADE FINANCE group/ CACIB. •
Slide 13: A Reliable Banking Partner to Businesses in Egypt
CRÉDIT AGRICOLE EGYPT A RELIABLE BANKING PARTNER TO BUSINESSES IN EGYPT • Around 500,000 customers are served through 85 branches located in the main cities across the country. 85 • Offering a wide range of value-added products, services as well as branches digital solutions designed to meet the evo
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 INVESTOR PRESENTATION
Slide 15: Financials Highlights as at December 2025 vs December 2024
CREDIT AGRICOLE EGYPT: Financials Highlights as at December 2025 vis-à-vis December 2024. Decrease in terms of Net Profit due to one off FX revenues in Mar 2024. Net Interest Margin 8.5% Net Profit MEGP 6,949 -13% Cost to Income Ratio 26.2% Assets BEGP 146 +15% NPL (% of Gross Loans) 2.2% Loans BEGP
Slide 16: Profit and Loss as of December 25 (YoY)
CREDIT AGRICOLE EGYPT: Profit and Loss as of December 25 (YoY) • Net Banking Income decreased by -5% YoY due to one off FX gains in March 2024 post devaluation; • The Gross Operating Income decreased by - 12% YoY due lower NBI and OPEX effect; • Cost of Risk increased by 35% driven by retail risk ch
Slide 17: Profit and Loss growth Trend (YoY)
CREDIT AGRICOLE EGYPT: Profit and Loss growth Trend (YoY) 17 INVESTOR PRESENTATION
Slide 18: Business Evolution, Liquidity/Basel & Financial KPI's as of December 2025
CREDIT AGRICOLE EGYPT: Business Evolution, Liquidity/Basel & Financial KPI’s as of December 2025 (YoY) • Commercial activity growth continues to be good across segments with limited impact due to the evolution of the CD market and less surplus market EGP liquidity. • Gross Loans at EGP 67.5 billion,
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 • CAE has a robust risk management process which ensures that the NPLs are at all times timely detected, actively managed with adequate provisions and negot
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
Slide 21: Sustainability & Corporate Social Responsibility
SUSTAINABILITY & CORPORATE SOCIAL RESPONSIBILITY Crédit Agricole Egypt is committed to community betterment and Crédit Agricole Egypt Foundation, the social energy transition. development arm of the bank, was established in 2017 with focus on sustainable development • CAE Head Office is the 1st plat
Slide 22: Connect With Us
CONNECT WITH US Jean-Pierre Trinelle Managing Director Ravinarayanan Iyer Chief Financial and Investors Relations Officer [email protected] Head Office | P.O. Box: 364 5th Settlement, 11835 - New Cairo 22 INVESTOR PRESENTATION