The Financial Regulatory Authority (FRA) has announced that the total volume of non-bank financing extended by companies and associations operating in the medium, small, and micro enterprise (MSME) sector reached EGP 91.355bn in August 2025, compared to EGP 69.041bn in August 2024—an increase of EGP 22.314bn year-on-year.
According to the FRA, financing for micro-enterprises stood at EGP 68.593bn, up from EGP 58.426bn in the same period last year. The number of beneficiaries, however, declined slightly to 3.611 million from 3.775 million.
Meanwhile, small and medium enterprise financing surged to EGP 22.761bn, up from EGP 10.614bn, with the number of beneficiaries rising to 15,300, compared to 8,900 in August 2024.
In terms of market share, finance companies accounted for 67.04% of total outstanding microfinance portfolios. Category “A” NGOs represented 30.8%, while Category “B” and Category “C” NGOs accounted for 1.20% and 0.93%, respectively.
Consumer Finance
In a related context, the FRA reported that consumer finance companies disbursed EGP 56.728bn in loans during the period from January to August 2025, compared to EGP 35.174bn during the same period last year—an increase of EGP 21.554bn.
The number of clients benefiting from these loans grew sharply to 7.001 million, up from 2.506 million in 2024, reflecting the sector’s rapid expansion and growing consumer demand.
The electrical appliances and electronics sector accounted for 17.8% of total consumer finance activity, followed closely by the vehicle and automotive sector with 17.7%, home appliances with 17.1%, and consumer goods via financing cards with 14.5%.
Financial Leasing
The FRA also revealed that the value of financial leasing contracts reached EGP 106.185bn between January and August 2025, compared to EGP 72.250bn in the same period of 2024—an increase of EGP 33.935bn.
The number of leasing contracts rose to 1,447, from 1,105 a year earlier. The real estate and land sector dominated activity, accounting for 75.91% of total financing, followed by transport vehicles (6.76%), machinery and equipment (5.53%), private cars (3.48%), and production lines (2.22%).
Mortgage Finance
Meanwhile, mortgage finance provided by companies in the sector recorded EGP 25.057bn during the first eight months of 2025, up from EGP 14.104bn in the same period of 2024—an increase of EGP 10.953bn.
The number of mortgage contracts rose to 9,840 this year, compared to 6,543 a year earlier.
Financing was distributed across 552 individual client contracts worth EGP 6.666bn, and 9,288 portfolio purchase contracts valued at EGP 18.391bn.
According to the FRA, clients with a monthly income above EGP 3,500 accounted for the vast majority of financing—EGP 25bn across 9,823 contracts.
