The Financial Regulatory Authority (FRA) announced that total capital market and non-banking financial activity volumes reached EGP 384bn in April 2025.
According to an official statement, the figure includes EGP 180.6bn in share issuances, EGP 35.2bn in non-share securities, EGP 52.1bn in financial leasing contracts, and EGP 31.8bn in financing for medium, small, and micro-enterprises. In addition, consumer finance amounted to EGP 22bn, real estate finance to EGP 13.6bn, and factoring to EGP 48.7bn.
Movable Collateral Registry
The FRA reported that the total value of declarations on movable assets registered in the movable collateral registry reached approximately EGP 3.4trn.
Meanwhile, total insurance premiums collected by companies operating in Egypt amounted to EGP 38.4bn—EGP 22.1bn from property and liability insurance, and EGP 16.3bn from life insurance and fund formation.
Insurance companies paid out EGP 18.4bn in compensation during the first four months of 2025, with EGP 8.9bn in property insurance and EGP 9.5bn in life insurance.
The FRA also approved new private insurance fund investments worth EGP 8.7bn during the same period.
Finance for Medium, Small, and Micro-Enterprises
The FRA stated that the total outstanding balances of companies and associations providing finance to medium, small, and micro-enterprises reached EGP 84.9bn in April 2025—up from EGP 63.1bn in April 2024, marking an increase of EGP 21.8bn.
Micro-enterprise financing alone amounted to EGP 65.7bn, up from EGP 55bn year-on-year. However, the number of beneficiaries declined slightly to 3.665 million from 3.808 million.
Financing for small and medium-sized enterprises rose to EGP 19.2bn, up from EGP 8.1bn in April 2024. The number of beneficiaries grew to 14,100 from 7,400 over the same period.
Consumer Finance
Between January and April 2025, consumer finance companies disbursed a total of EGP 22bn, compared to EGP 15.6bn in the same period in 2024—an increase of EGP 6.4bn.
The number of beneficiaries surged to 2.919 million, from 1.098 million a year earlier.
According to the FRA, 20.5% of consumer finance was used for vehicle purchases, 17.1% for electrical appliances and electronics, 15.9% for household appliances, 12.4% for consumer goods via finance cards, and 4.1% for home renovations.
In a move to support financial inclusion, the FRA’s board raised the cap for pre-approved consumer cash finance from EGP 10,000 to EGP 50,000 per client. Clients who have been granted a credit limit by a consumer finance company can now access up to EGP 50,000 in pre-approved financing, regardless of their assessed credit limit.
However, the FRA stipulated that clients must submit proof—such as invoices—demonstrating the use of the original cash financing for its intended purpose and confirming full repayment before accessing additional funds. This condition aims to safeguard the financial stability of consumer finance firms.
The new regulations also require consumer finance companies to obtain prior FRA approval before offering any cash finance products and to ensure that clients use such funds for their declared purpose.
Financial Leasing
Financial leasing contracts were valued at EGP 52.06bn from January to April 2025, up from EGP 33.23bn during the same period in 2024—an increase of EGP 18.83bn.
The number of leasing contracts rose to 760 from 569. The real estate and land sector dominated the market, accounting for 72.16% of leasing finance, followed by transport vehicles (7.58%), machinery and equipment (5.52%), private cars (3.90%), and production lines (2.55%).
Real Estate Finance
Mortgage finance provided by companies in the sector reached EGP 13.6bn in the first four months of 2025, compared to EGP 5.73bn in the same period the previous year—an increase of EGP 7.87bn.
The number of contracts rose to 5,799, up from 3,167 in April 2024.
The FRA noted that this included 214 individual mortgage contracts worth EGP 2.46bn, alongside 5,585 purchased portfolios valued at EGP 11.14bn.
By income segment, individuals earning more than EGP 3,500 per month accounted for EGP 11.6bn in mortgage financing across the 5,799 contracts.
