CRÉDIT AGRICOLE, A LEADING GROUP

With the Regional banks of Crédit Agricole, the LCL network, the international retail banks and the
specialist subsidiaries for each business line, Crédit Agricole group is present across the entire
spectrum of banking and finance. Crédit Agricole is the N°1 banking group in France with 28% of
the consumer market and the N°1 banking group in Europe for the number of current accounts held b
.clients and retail banking ea
.Crédit Agricole ranks n°3 banking group worldwide in terms of shareholders

UNIFIED AND DECENTRALIS

The Group is careful to protect the cultural specificities of each its entities, while also capitalising on
strengths as a market leader in France and Europe, within the framework of its enlarged scope
.activ
In France, the 2,573 Local banks form the basis of the Group's mutual organisation and play a key
.in firmly establishing a local presence and a close relationship with clie
Reflecting Crédit Agricole's desire to open up to the market while confirming its mutualist identity, Cr
Agricole S.A. has been listed on the stock exchange since December 2001 and is currently ow
.54.7% by the Regional banks and 45.3% by the pu

An enlarged scope of bu

RETAIL BAN
(million clients, 11,000 branches and 3 domestic markets (France, Italy and Greece

The Regional banks of Crédit Agric

The Regional banks are cooperative and banking establishments offering a full range of
financial products and services to their clients, retail, farmers, professionals, companies and
.local authorities
million customers 20
Regional banks 39
branches and 7,500 in-store cash points with a 24% share of households’ deposits and 7,160
22% of loans

LC
In France, LCL is the only bank with a national network dedicated exclusively to retail banking
.for retail, professional and corporate clients
million customers 6
branches including 50% in towns with over 200,000 inhabitants 1,970

International Retail Bankin

Crédit Agricole has operations in 20 countries: Italy, Greece, Albania, Bulgaria, Cameroon,
Cyprus, Congo, Côte d'Ivoire, Djibouti, Egypt, Gabon, Madagascar, Morocco, Poland, Portugal,
.Romania, Senegal, Serbia, Ukraine and Uruguay
The Regional banks have majority control in Belgium, Spain and Switzerland
million customers 4.7
branches 1,900

Top

SPECIALISED BUSINESS LIN

Specialised financial servic

Present in 19 countries in Europe and Morocco, this business line covers consumer credit
(Sofinco and Finaref, Lukas in Poland, etc.), leasing (Crédit Agricole Leasing and EFL) and
.(factoring (Eurofactor
million Consumer finance customers in France 15
 billion Lease outstandings €12.7
billion Factored receivables €35

Asset management, insurance and private banki

This business line consists of activities related to asset management (Crédit Agricole Asset
Management and its subsidiaries as well as BFT), life and property/casualty insurance (Crédit
Agricole Assurances with Pacifica and Predica) and private banking (Crédit Agricole Private
.(Bank
Profile ( €637 billion under management (asset management, insurance and private banking
Crédit Agricole Egypt was established in September 2006, following the successful
merger of Calyon Bank Egypt, the Egyptian affiliateN°1 in asset
of Crédit management
Agricole andthe
Group, and a top-10 player in Europe
.Egyptian American Bank second-largest insurer
France’s

Crédit Agricole Egypt is majority controlled by Credit Agricole Group (Credit

Agricole S.A. and Calyon), the second largest shareholder is Mansour and Maghrabi
CORPORATE
.(Investment and Development (MMID AND INVESTMENT BANK
With 13,000 staff across 55 countries, Calyon specialises in capital markets, investment banking
Crédit Agricole Group .financ
Credit Agricole SA is one of the top 5 financial institutions in the world by the capital base. Itbillion net banking €5
is engaged in a wide range of financial activities from Corporate & Investment Banking,
One of France’s top three corporate and investment banks and the top 10 in Euro
through CALYON (100% Subsidiary) to Retail Banking, Asset under Management and
Insurance. Credit Agricole SA has operations in 60 countries across the world World number
with 9000 one in project financ
branches and 21 million customers in France only, being the largest banking organization in
.France
PRESENCE IN OVER 70 COUNTR
Mission Statement
With its international organisation in all aspects of banking and finance, Crédit Agricole group is abl
The mission of Crédit Agricole Egypt for the next 5 years
:serve major clients throughout the world, achieving stellar performan
Turn the bank into a total customer centric organization
From the current momentum, increase and sustain strong business growth
branches in international
 retail banking 1,90
Capitalize on technology to bring up state of the art systemsoftoconsumer
staff and finance
customers
outstandings
 outside France 50
Constantly innovate and bring
Leading up distinctive
international factoradded values
in terms solutions
of volume and productsbusiness (42% of internation
of import/export
Create a strong brand equity and awareness in the market (facto

Maximize the geographical coverage of our delivery channels and create proximity No.1 in leasing in Polan
asset management centres worldwide
with customers
Loan insurance in 14 countrie
Private banking in the leading financial marke
Vision
of NBI in corporate and investment banking outside France 72
Be the most preferred private international bank in 2010
/To find out more: http://www.credit-agr
Become the reference in the market for product offering and service quality
Be a bank that attracts, develop and retain the talents of today, the managers of All data is to end-Decem
tomorrow
Be a bank with a strong corporate identity, mixing the local values with those of Crédit
Agricole
Achieve and maintain the profitability requirements of the shareholders

Crédit Agricole Group and CALYON 59.37% -

(the Corporate and Investment Banking wholly-owned Subsidiary of Crédit Agricole)

MMID, Mansour & Maghraby Investment and Development Company 17.12% -

The international holding company for Investment and Development 1.64% -

The international company for trade and commercial agencies 0.82% -

To succeed in an increasingly global economy, organizations need to hire good
people. Crédit Agricole Egypt strives to do just this by attracting capable new recruits
whilst retaining skilled experienced personnel. The goal is to attract staff that gives
 added value to the Bank. To achieve this challenging task, the focus has been on
maintaining a trustworthy relationship between employees and the Bank. Crédit
Agricole Egypt's corporate those stresses teamwork, where the overall contribution is
more important than the individual's post and training. Staff are empowered to solve
.problems across departments so that customer satisfaction is achieved

The Crédit Agricole Egypt will continue to invest in its staff by providing local and
foreign training courses in areas such as customer service, project management,
quality assurance, PC tools and basic and advanced management. This investment
.in personnel is reflected in the high level of service offered

Features and Benefits

Competitive salaries & allowances•
Extensive and specialized banking training courses locally and abroad•
Paid annual leaves and other paid vacations•
Adequate medical insurance•
Generous social insurance plan•
Life and accident insurance coverage•
Staff loans and advances•
Different reward and recognition programs•
Promising career path•
Unique performance management program•

All Crédit Agricole Egypt Branches •

.a.m. - 2:00 p.m 8:30•
Sunday to Thursday•
•
Talat Harb - Merghany - Ramsis Hilton - Mohandesseen - Zamalek - World •
Trade Center - El-Sarayat - Nasr City - Roushdy - Sun shine - Coral Bay -
Hurghada - El Gouna - Pyramids - Sultan Hussein -Fleming - Mansoura
.a.m. - 5:00 p.m 8:30•
Sunday to Thursday•
•
Shooting Club - Alexandria Sporting Club •
.a.m. - 5:00 p.m 11:00•
days a week 7•
•
Ramsis Hilton Branch
:For FX Services
.8:30am to 9:00pm, all week days including national vacations except Friday’s -
8:30am to 11:00am & from 5:00pm to 9:00pm on Friday’s -
•
The Crédit Agricole Egypt S.A.E. Ownership – above 10%•

(Credit Agricole S.A. (46.94%○

(Mansour & Maghraby for Investment & Development (17.48%○
(CACEIS Bank (13.06%○

Commercial Register # 20051 Investment•

 Crédit Agricole Egypt policies/ procedures are compliant with the FATF ( 40 + 9 )•
Recommendations, Wolfsberg AML principles for Private Banking & Correspondent Banks and
Basel Committee requirements
Egypt established a law to combat money laundering and to regulate applying the Know Your•
Client principles and our institution is subject to this law

(Crédit Agricole Egypt is regulated by the Central Bank of Egypt (CBE•

The Bank co-operates with the CBE Money Laundering Unit so as to report any suspicious•
activities

Governorates Branch Network

Address .El-Watania Towers - El-Gomhoreya & Goal Gamal St

Phone 4 / 229-6003 (2088+)

(Assiut (ATM
Fax 229-6002 (2088+)

Working Hours 8:30am to 2:00pm, Sunday to Thursday

Address .Bahary El Lokanda St ,1

Phone 4272 / 231-4270 (2097+)

Aswan
Fax 231-4271 (2097+)

Working Hours 8:30am to 2:00pm, Sunday to Thursday

Address Beshara Abd El-Maseeh Building, Station Square

Phone 5203 /5202 /233-5201 (2097+)

(Aswan El Mahatta (ATM
Fax 233-5204 (2097+)

Working Hours 8:30am to 2:00pm, Sunday to Thursday

Address .Keddis Hotel, 54 Khaled Ebn El-Waleed St

Phone 1552 / 228-1002 (2095+)

(Luxor (ATM
Fax 228-0138 (2095+)

Working Hours 8:30am to 2:00pm, Sunday to Thursday

 Address .th Cournich El-Nile St. ,Corner of El-Horria and Isaac St 30

Phone 3 / 230-4972 (2093+)

(Sohag (ATM
Fax 230-4975 (2093+)

Working Hours 8:30am to 2:00pm, Sunday to Thursday

Address Borg Khafaguy, Port Said St., next to Beni Suef University

Phone 4781 / 236-4769 (2082+)

(Beni Suef (ATM
Fax 236-4782 (2082+)

Working Hours 8:30am to 2:00pm, Sunday to Thursday

Address Port Said St., Muslims Youth Association Building

Phone 231-6701 (2086+)

(Menia (ATM
Fax 231-6708 (2086+)

Working Hours 8:30am to 2:00pm, Sunday to Thursday

Address 26th of July St., Infront of Qena Public Hospital

Phone 534-7811 / 534-7809 (2096+)
(Qena (ATM
Fax 534-7813 (2096+)
Working Hours 8:30am to 2:00pm, Sunday to Thursday

Address .Intersection of El Geish St. corner of Mohamed Sharaf St

(Tanta (ATM Phone 7719 / 7601 / 335-7432 (2040+)
Working Hours 8:30am to 2:00pm, Sunday to Thursday

Address El-Gomhoreya St. - Dakahleya ,56

Phone 5055 / 5044 / 223-5033 (2050+)
(El-Mansoura (ATM
Fax 223-5066 (2050+)
Working Hours 8:30am to 5:00pm, Sunday to Thursday

Address
El Ahlam Tower, behind Muslims Youth Association Building,
Kalyoubia
(Banha (ATM Phone 6793 /6802 / 6822 / 322-6827 (2013+)
Fax 322-6805 (2013+)
Working Hours 8:30am to 5:00pm, Sunday to Thursday

(Port Said Harbor (ATM Address El-Medinah Tower - Extension of El Gomhoreya & De Lesseps
 .St
Phone 334-1088 (2066+)
Fax 334-1087 (2066+)
Working Hours 8:30am to 2:00pm, Sunday to Thursday

Address Logistic Building, Damietta Seaport

Phone 14/ 13/ 12/ 291-011 (2057+)
(Damietta (ATM
Fax 291-015 (2057+)
Working Hours 8:30am to 2:00pm, Sunday to Thursday

Address Kortoba Tower - Mogamae'e El-Mahakem

Phone 322-2778 (2064+)
(Ismailia (ATM
Fax 322-2785 (2064+)
Working Hours 8:30am to 2:00pm, Sunday to Thursday

Address .El Geish St. corner of Sinai St 14

Phone 322-1575 / 322-1570 (2062+)
(Suez (ATM
Fax 322-1578 (2062+)
Working Hours 8:30am to 2:00pm, Sunday to Thursday
•

Crédit Agricole Group

Public, semi co-operative

Type
((Euronext: ACA

Founded May 23, 2000

Headquarter
Paris, France
s

René Carron (Chairman of the board),

Key people
(Georges Pauget (CEO

Industry Financial services

 Banking, asset management,
Products
insurance

Revenue billion
[
(2008)
[1
€28.45

Operating [
billion (2008)
[1
€3.663 ▲
income

Profit [
billion (2008)
[1
€2.451 ▲

Total assets [
billion (2008)
[1
€1,784

Employees [1]
(2008 ) 164,100

Website www.credit-agricole.com

Crédit Agricole SA (CASA) (Euronext: ACA) is the largest retail banking group in
France, second largest in Europe and the eighth largest in the world by Tier 1 capital
.according to The Banker magazine. It is also part of the CAC 40 stock market index
It was the main sponsor of a professional road cycling team (see Crédit Agricole
.(((cycling team

Contents
[hide]

Structure of the group 1•

Key services 1.1○
Market presence 2•
See also 3•
References 4•
External links 5•

edit] Structure of the group]

Crédit Agricole SA is a semi co-operative bank, being majority owned by 41 French
:Caisses Régionales de Crédit Agricole Mutuel. Its subsidiaries are
.Calyon, the investment banking division of Crédit Agricole•
Calyon Financial, global futures and options brokerage serving•
.institutional investors
.CLSA, the Asian securities brokerage division•
 Predica and Pacifica, the insurance divisions•
LCL (Previously Crédit Lyonnais), the nationwide retail banking•
.network, acquired in 2003

edit] Key services]

:Through its subsidiaries, Crédit Agricole SA is involved in the following services
French Retail Banking•
International Retail Banking•
Specialised Financial Services•
Asset Management, Insurance and Private Banking•
Corporate and Investment Banking•

edit] Market presence]

The Caisses Régionales (e.g. Crédit Agricole Normandie in the Lower Normandy
region) mainly focus on rural areas and less on urban ones. However, the Crédit
Lyonnais subsidiary has a significant presence in the big cities; the combination gives
.the Crédit Agricole group a leading market share in France
Through all of its subsidiaries, Crédit Agricole SA has in excess of 21 million clients
.and a presence in over 60 countries
The current objective of the group is to develop a strong presence in various other
European banking markets by acquiring stakes in local banks in other countries.[citation
[needed

edit] See also]

European Financial Services Roundtable•

edit] References]
a b c d e
Entire Crédit Agricole group. "Annual Report 2008". Crédit ^.1
Agricole. http://finance.credit-
.agricole.com/IMG/pdf/2008_A01ENG.pdf. Retrieved 2009-08-15

edit] External links]

Official site•
Companies
portal