Crédit Agricole Egypt Posts EGP 6.95bn Net Profit in 2025 as Deposits Rise 15% to EGP 110.2bn and Loans Grow 22%

The Board of Directors of Crédit Agricole Egypt (CAE) approved the bank’s standalone financial results for the 12 months ended December 31, 2025, during its meeting held on Wednesday, February 4, 2026.

Crédit Agricole Egypt reported a net profit of EGP 6.95 billion in 2025, marking a 13% year-on-year decline, mainly reflecting the absence of exceptional foreign exchange income recorded in the first quarter of 2024 following the Egyptian pound devaluation. Customer deposits increased by 15% year-on-year to EGP 110.2 billion, while gross loans rose by 22% to EGP 67.5 billion, underscoring solid commercial momentum across business lines.

The loans-to-deposits ratio reached 61.3%, up 3.5 percentage points year-on-year, while the share of current and savings accounts declined to 54.6% of total deposits. Asset quality remained strong, with the non-performing loan (NPL) ratio at 2.2%, slightly higher by 0.2 percentage points, and a coverage ratio of 167.4%. Capital adequacy stood at a resilient 19.5%, comfortably above regulatory requirements.

Profitability ratios reflected the normalization of earnings following exceptional gains in 2024, with return on average assets (ROAA) at 5.1% and return on average equity (ROE) at 30.9%. The cost-to-income ratio increased to 26.2%, reflecting inflationary pressures, higher staff-related costs, IT investments, and marketing activities.

On the macroeconomic front, CAE highlighted Egypt’s strong economic recovery in 2025, supported by 5% real GDP growth, improved business confidence, robust tourism, a stable and liquid foreign exchange market, and continued reform momentum backed by the IMF and strategic partners. Average headline inflation eased to 14.2%, enabling the Central Bank of Egypt to cut interest rates by 725 basis points during the year.

Commercial activity remained robust, with corporate banking delivering strong performance driven by EGP 8.9 billion growth in the lending portfolio and EGP 7.6 billion increase in deposits. Retail banking also posted solid results, with loans growing by 20% and deposits by 22%, supported by new product launches, marketing campaigns, and active customer acquisition. Auto loans recorded particularly strong growth of 90% year-on-year.

Net banking income declined by 5% to EGP 13.1 billion, mainly due to the sharp drop in other operating income following the normalization of FX-related gains. Operating expenses increased by 26%, while cost of risk rose to EGP 487 million, reflecting higher retail provisions and lower recoveries. As a result, net profit declined year-on-year, though quarterly trends showed sequential improvement in income and expense control.

Crédit Agricole Egypt continued to strengthen its digital leadership during 2025, launching an enhanced version of its banki Mobile application as part of its omni-channel strategy. Digital adoption accelerated, with more than 6 million digital transactions processed in the fourth quarter alone, up 45% year-on-year, and nearly all domestic transfers now executed digitally.

The bank was also recognized as a Top Employer for the second consecutive year, reflecting its focus on talent development and employee well-being. In parallel, CAE expanded its sustainability and corporate social responsibility initiatives, publishing its fourth sustainability report and supporting healthcare, environmental protection, and community development programs.

Established in 2006, Crédit Agricole Egypt is the only French bank operating in Egypt and is listed on the Egyptian Exchange. The bank continues to pursue sustainable and profitable growth, supported by a solid balance sheet, prudent risk management, strong liquidity, and an expanding digital and customer-focused operating model.