The Financial Regulatory Authority (FRA) announced that the total volume of non-banking finance extended to micro, small, and medium enterprises (MSMEs) rose to EGP 84.579bn in March 2025, up from EGP 62.800bn in March 2024. This represents an annual increase of EGP 21.779bn.
According to the FRA’s latest report, this financing supported around 3.714 million clients, compared to 3.826 million a year earlier. Microenterprise finance accounted for the bulk of this growth, reaching EGP 65.796bn, up from EGP 54.811bn. Meanwhile, financing for small and medium-sized enterprises also saw significant growth, more than doubling from EGP 7.989bn to EGP 18.782bn over the same period.
Leasing Activity
In the leasing sector, activity expanded sharply in the first quarter of 2025. The total value of leasing contracts reached EGP 42.121bn, compared to EGP 23.420bn in the same quarter of 2024, marking a 79.8% increase. The number of contracts rose to 603 from 460. The FRA noted that the real estate and land sector dominated leasing activity, accounting for more than 72% of the total value. This was followed by leasing in transport vehicles, machinery and equipment, passenger cars, and production lines.
Consumer Finance
Consumer finance also experienced robust growth. In Q1 2025, companies operating in the sector provided EGP 17.465bn in financing to approximately 2.319 million clients, up from EGP 12.072bn in loans to 804,800 clients during the same quarter of 2024. This reflects a 44.7% increase in the value of financing and a 188.2% surge in the number of clients. The report noted that the automotive sector received the largest share of consumer finance, followed by electronics and electrical appliances, household appliances, and consumer goods purchased via finance cards. Additional spending categories included home finishing materials, clothing, accessories, and personal items such as watches and eyewear.
Mortgage Finance
Mortgage finance was another area of rapid growth. The total financing granted by companies operating in the sector reached EGP 11.183bn in Q1 2025, up from EGP 5.318bn a year earlier—an increase of 110.3%. The number of mortgage contracts rose to 4,838 from 3,019. Of these, 146 contracts were signed with individual clients and amounted to EGP 1.982bn. The remainder represented purchased portfolios benefiting 4,692 clients with a total value of EGP 9.201bn. Notably, nearly all the beneficiaries—4,833 clients—belonged to the income bracket above EGP 3,500.
Movable Collateral Registry
In a separate update, the FRA reported continued expansion of Egypt’s Movable Collateral Registry. In March 2025, the total value of registered claims reached EGP 3.292trn, up from EGP 2.550trn a year earlier—an increase of EGP 742bn, or 29%. The number of registered claims grew to approximately 212,000, up from 168,000 entries in March 2024, marking a 26.5% rise.
The Movable Collateral Registry is a central electronic platform that enables lenders to register, update, and remove security rights over movable assets. Egypt is one of the first Arab nations to establish legislation regulating this type of collateral. The FRA noted that banks accounted for 97.2% of the total value of registered claims. In terms of claim volume, banks held the largest share at 81.6%, followed by consumer finance companies, retail firms, and leasing companies.
