Credit Agricole Egypt · EGX:CIEB
Credit Agricole Egypt — Investor Presentation (December 2024)
25 slides from Credit Agricole Egypt's investor presentation, December 2024
Slide 1: Crédit Agricole Egypt Investors Presentation 2024
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 4
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 Dec-2024 - 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 107 Mn Participation rate (Labo
Slide 5: Egypt's Banking Sector: Data as of September 2024
EGYPT’S BANKING SECTOR: DATA AS OF SEPTEMBER 2024 Source: CBE Total Loans (EGP bn) Total Deposits (EGP bn) Loans/Deposits ratio Loans Growth % Deposits Growth % 5 Dec-2024 - 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 Dec-2024 - 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 employees Best
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 31st of Dec-24 CRÉDIT AGRICOLE IN EGYPT EGP CA Egypt is the sole Share Price 9M 23.45 High CAE Share price trend French bank in Egypt, Range joined the EGX - Cairo 18.57 Low stock exchange Coming Share Price 18.98 as of 31-12-2024 from a corporate banking Shares Outstanding 1,250 Million
Slide 10: Crédit Agricole Egypt Fact Sheet
Data as of 31st of Dec-24 CRÉDIT AGRICOLE EGYPT FACT SHEET Diversified shareholder EGP 126 billion Fully-fledged platform of structure with 65.25% owned Total Balance Sheet digital Services by CA Group For individuals and corporate Market Capitalization Nationwide network of EGP 23.7 Billion 85 Bran
Slide 11: 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 12: 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. 12 Dec-2024 - INVESTOR PRESENTATION
Slide 13: 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 14: A Comprehensive Offer and Expertise for Corporates
CRÉDIT AGRICOLE EGYPT 4997 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 15: 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 16: 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 16 Dec-2024 - INVESTOR PRESENTATION
Slide 17: Financial Highlights as at 31 December 2024
CREDIT AGRICOLE EGYPT: Financials Highlights as at 31 December 2024 vis-à-vis 31 December 2023. Robust performance in terms of Net Profit and good dividend @ 50%. Net Interest Margin 9.8% Net Profit MEGP 8,001 +56% Cost to Income Ratio 19.8% Assets BEGP 127 +19% NPL (% of Gross Loans) 2.0% Loans BEG
Slide 18: Profit and Loss as of December 2024 (YoY)
CREDIT AGRICOLE EGYPT: Profit and Loss as of December 2024 (YoY) • Net Banking Income increased +44% YoY reaffirming the bank’s commercial growth and efficient control on the cost of funding. • The Gross Operating Income increased by +48% YoY through pro-active and efficient control on operating exp
Slide 19: Profit and Loss Growth Trend (YoY)
CREDIT AGRICOLE EGYPT: Profit and Loss growth Trend (YoY) 19 Dec-2024 - INVESTOR PRESENTATION
Slide 20: Business Evolution, Liquidity/Basel & Financial KPIs
CREDIT AGRICOLE EGYPT: Business Evolution, Liquidity/Basel & Financial KPI’s as of December 2024 (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 21: 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 Sep 2024 ROAE Sep 2024 21 Dec-2024 - INVESTOR PRESENTATION
Slide 22: Banking Sector KPIs: 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 23: 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 23 Dec-2024 - INVESTOR PRESENTATION
Slide 24: Sustainability & Corporate Social Responsibility
SUSTAINABILITY & CORPORATE SOCIAL RESPONSIBILITY ENGAGEMENT FOR SUSTAINABILITY OUR ACTIVE RESPONSABILITY Crédit Agricole Egypt is committed to community betterment and energy transition. Crédit Agricole Egypt Foundation was established in • CAE Head Office is the 1st platinum LEED certified in 2017
Slide 25: 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 25 Dec-2024 - INVESTOR PRESENTATION
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