What Crédit Agricole Egypt does

Crédit Agricole Egypt S.A.E. is a universal commercial bank operating in Egypt as a wholly-owned subsidiary of Crédit Agricole Group, a major French banking conglomerate. The bank serves four primary customer segments — personal banking, special packages (Fidèle Club, Optime, My First, EVE Package, Everyday), Banque Privée (private banking for high-net-worth clients), and business banking — plus a digital-services channel. It is registered with the Central Bank of Egypt under registration number 72 and holds E-Banking License No. 14 (issued 23 June 2005), with full banking authorization covering deposits, lending, payments, and electronic banking activities.

The product platform spans traditional retail products (deposit accounts, Visa credit and debit cards, personal cash loans, housing/mortgage finance, auto loans), green-finance products (Solar Loan, Electric Vehicles Loan), investment products (mutual funds via EFG Hermes Asset Management, certificates of deposit), insurance, and dedicated business banking (trade finance, e-commerce solutions, banki Payroll). Distribution rests on a nationwide network of 660 branches and ATMs, complemented by the banki digital banking suite (Mobile on iOS/Android, Online web, Lite, Payroll, Business), an E-Messaging service, and a 24/7 multi-tier call center (19191, 19077, +202 33329300). Marketing is anchored to the bank's official website, social media channels (Facebook, WhatsApp, LinkedIn), and an email newsletter.

The business model is a classic bank balance-sheet model with four revenue streams: interest income from lending products, fee and commission income from cards/transfers/FX, transaction-based income from investment product distribution (mutual fund commissions via EFG Hermes), and spread income on deposits/savings products. Pricing is not publicly disclosed; tariffs are quote-based and referenced through on-site tariff documents for retail and corporate segments. The bank's stated positioning is the extension of Crédit Agricole Group's international banking expertise into the Egyptian market with an emphasis on sustainable development.

Name

Crédit Agricole Egypt

Legal name

Crédit Agricole Egypt S.A.E.

Website

https://www.ca-egypt.com/

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Crédit Agricole Egypt S.A.E. is a universal commercial bank and wholly-owned subsidiary of Crédit Agricole Group, serving Egyptian retail, private, and business banking customers through 660 branches and ATMs, the banki digital platform, and a full lending, deposit, card, mutual fund, and trade finance product suite.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Credit Card Issuing (52221)

SIC

National Commercial Banks (6021), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Corporate banking solutions
• Digital banking platforms
• Consumer lending products
• Private banking services

Headquarters

HQ city

Cairo

HQ country

Egypt

HQ region

Africa

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income: Traditional banking interest income from lending products including personal loans, mortgage/housing finance, car loans, and business financing.
2. Fee and Commission Income: Fees from account maintenance, card services (credit cards, debit cards), wire transfers, foreign exchange transactions, and service charges.
3. Investment Products Distribution: Distribution of mutual funds managed by EFG Hermes Asset Management, including equity funds and money market funds, generating commission income.
4. Deposits and Savings Products: Certificate of Deposit products, savings accounts, and time deposits that provide the bank with funding for lending activities.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels3 records

Core offering

Crédit Agricole Egypt is a universal commercial bank offering deposit accounts, credit and debit cards, personal and housing loans, auto loans, mutual funds, certificates of deposit, insurance, and private banking services to individuals and businesses. It serves customers through 660 branches and ATMs across Egypt, complemented by digital banking platforms (banki Mobile, banki Online, banki Business, banki Lite, banki Payroll) and a 24/7 phone banking center. The bank is registered with the Central Bank of Egypt and operates as a subsidiary of Crédit Agricole Group.

Product overview

Crédit Agricole Egypt operates as a comprehensive banking platform with both traditional and digital delivery channels. The core banking platform includes multiple digital banking add-ons: banki Mobile (iOS/Android app), banki Online (internet banking), banki Business (corporate banking), banki Lite (simplified digital access), banki Payroll (salary disbursement), and E-Messaging services. Traditional banking products span deposit accounts, credit cards (Visa with various tiers), personal cash loans, housing/mortgage finance, auto loans, solar loans, insurance, and investment products (mutual funds managed by EFG Hermes Asset Management, certificates of deposit, debit cards). Customer segments are served through specialized sub-brands including Fidèle Club (premium/private banking), Optime Package, My First Package, EVE Package, and Everyday Package, all supported by the Happy Points loyalty program. Business clients access dedicated services including trade finance, e-commerce solutions, and e-solutions platforms. The bank maintains 660 branches and ATMs across Egypt with 24/7 digital banking availability.

Differentiator

Problem solved

Functional benefit

Brands

• banki: Digital banking platform and mobile application offering online and mobile banking services including banki Mobile, banki Lite, banki Payroll, and banki Business.
• Fidèle Club
• Ahlan Digital
• Optime
• My First
• EVE Package
• Everyday

Products and services

• Accounts Traditional banking deposit accounts for individuals covering daily and current banking needs, supporting everyday transactions and account management.
• Save & Invest Savings and investment products including deposits and long-term savings instruments for personal banking customers.
• Cash Loans Personal cash loan products for individuals to finance immediate financial needs.
• Housing Finance Mortgage and housing finance programs for individuals to purchase property.
• Buy a Car Auto loan financing for individuals for vehicle purchases.
• The Solar Loan Green finance product supporting solar energy adoption for residential customers.
• Electric Vehicles Loan Personal loan program for financing electric vehicle purchases.
• Credit Cards Visa credit card products with various tiers and benefits including installment options and rewards.
• Debit Cards Debit card products including the Foreign Platinum Debit Card for international currency transactions.
• Insurance Insurance products and coverage options for customers distributed through the bank.
• Mutual Funds Investment funds managed by EFG Hermes Asset Management including Crédit Agricole I, Crédit Agricole II equity funds and Crédit Agricole III money market fund, distributed by the bank to personal banking customers.
• Certificates of Deposit Deposit certificates offering guaranteed returns for long-term savings.
• ATM Services ATM network providing cash withdrawals, deposits, foreign exchange, card-less payment, and Fawry payment services across Egypt.
• Banque Privée Services Private banking services including wealth management, relationship banking, distinguished services, and exclusive credit cards for high-net-worth individuals.
• Business Banking Comprehensive banking services for corporate clients including working capital, trade finance, cash management, and business solutions.
• banki Mobile Mobile banking application enabling customers to perform banking transactions, manage accounts, transfer funds, pay bills, and access financial services from smartphones.
• banki Online Online banking platform providing internet banking services including account management, fund transfers, and bill payments.
• banki Business Digital banking solution tailored for corporate clients to manage business finances, payments, and banking operations.
• Phone Banking Call center-based banking service allowing customers to conduct transactions and inquiries via telephone, including dedicated lines for personal banking (19191) and Banque Privée (19077).
• Fidèle Club Exclusive privilege program for discerning customers providing premium banking services and tailored benefits.
• Happy Points Customer loyalty and rewards program offering points for banking activities that customers can redeem for benefits.
• E-Commerce Service Digital payment acceptance solutions for businesses to process online transactions.

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered minor and core.

• Ibrahim A. Badran FoundationminorOthers · 16 June 2026Crédit Agricole Egypt Foundation for Development and the Ibrahim A. Badran Foundation expanded their partnership to support children in residential care, continuing six years of sustainable medical care initiatives.
• Ahl Masr Foundation and Burn HospitalminorOthers · 21 May 2026Crédit Agricole Egypt Foundation for Development signed a protocol with Ahl Masr Foundation and Burn Hospital to support Phase II expansion of the burn hospital, demonstrating the bank's commitment to sustainable social impact and healthcare support.
• EFG Hermes Asset ManagementcoreStrategic or Co-development PartnerEFG Hermes Asset Management serves as the fund manager for Credit Agricole I, Credit Agricole II equity funds, and Credit Agricole III money market fund. With over 25 years of experience in the Egyptian market, the fund manager makes investment decisions based on thorough research and close monitoring of market conditions.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Arab African International Bank (AAIB): Egyptian bank with multi-national shareholding offering retail, corporate, and investment banking services. AAIB competes with Crédit Agricole Egypt across the same customer segments and product categories in Egypt.
• Banque Misr: Major Egyptian state-owned commercial bank offering retail, corporate, and Islamic banking services. Comparable to Crédit Agricole Egypt across the full banking value chain and a key competitor for both retail deposits and corporate mandates.
• Bank of Alexandria (AlexBank): Egyptian subsidiary of Intesa Sanpaolo offering retail, SME, and corporate banking. Comparable as a foreign-owned multi-segment Egyptian bank, directly overlapping with Crédit Agricole Egypt's customer base and product set.
• Emirates NBD Egypt: Egyptian subsidiary of Emirates NBD, one of the largest banking groups in the Middle East. Comparable as a foreign-owned universal bank with retail, private, and corporate banking offerings targeting the Egyptian market.
• Commercial International Bank (CIB Egypt): Egypt's largest private-sector bank and Crédit Agricole Egypt's closest direct competitor. CIB serves retail, corporate, and SME segments with a comparable multi-channel proposition and is the benchmark for private banking performance in Egypt.
• HSBC Egypt: Egyptian subsidiary of HSBC, a global universal bank. Comparable as a foreign-owned multi-segment bank with strong private banking and trade finance capabilities, competing for HNW and corporate clients in the same Egyptian market.
• QNB Egypt (Qatar National Bank): Egyptian subsidiary of Qatar National Bank, another foreign-owned universal bank. QNB Egypt competes head-to-head with Crédit Agricole Egypt in retail, corporate, and private banking, with similar backing by a regional banking group.
• National Bank of Egypt (NBE): Largest state-owned bank in Egypt and a dominant deposit-taker. NBE competes directly with Crédit Agricole Egypt across retail deposits, payroll, and SME lending, with structural advantages from state ownership and government payroll relationships.

Emerging players

• Faisal Islamic Bank of Egypt: Major Islamic banking franchise in Egypt offering retail, corporate, and investment banking under Shariah principles. Adjacent peer to Crédit Agricole Egypt, addressing overlapping customer needs through a different product structure.

Regional players

• Al Ahli Bank of Kuwait — Egypt: Egyptian operations of Al Ahli Bank of Kuwait, a regional Gulf-based banking group. Provides retail and corporate banking in Egypt, competing for similar client segments but anchored in a different home jurisdiction.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Crédit Agricole Egypt