Investor Presentaiton

Being the reference European bank in Egypt Maintain a high level of asset quality Credit Agricole Group policies of risk management and compliance: CA Egypt is implementing CA Group best practices which explains superior assets quality and lower level of non performing loans (NPL's) CAE NPL ratio reached 2.7% as of June 2015, one of the lowest ratios in the market. ■ CAE coverage ratio reached 193% as of June 2015 comparing with 163% same period last year (June data for all peers not yet available). NPL Ratio 3.9% 4.5% 4.0% 3.5% 3.0% 2.7% 2.5% 2.0% 1.5% 1.0% 0.5% 0.0% Jun.2015 -САЕ ■Average Peers Coverage Ratio (including Collective Provisions) 200% 193% 180% 160% 140% 120% 100% 164% Jun.2015 ■CAE ■Average Peers Peers Group: group of foreign and private banks working in Egypt CIB, QNB, Barclays, HSBC, AAIB, Alex Bank (Intesa Sanpaolo), Emirates NBD. source of data: banks disclosures Page 23 كريدي أجريكول مصر CRÉDIT AGRICOLE EGYPT

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