Banks and mortgage finance companies participating in the state-backed mortgage initiative for low- and middle-income citizens have injected a combined EGP 95.534bn into the programme, benefiting more than 668,504 clients as of November 2025.
According to a recent report issued by the Social Housing and Mortgage Finance Fund, 22 participating banks collectively extended EGP 88.775bn in financing to low-income borrowers, serving 636,842 clients and representing 92.9% of the initiative’s total funding. Banks also provided EGP 4.245bn to 11,844 middle-income clients.
Mortgage finance companies contributed an additional EGP 2.452bn in loans for low-income borrowers, reaching 19,304 clients (2.6% of the initiative’s total). They also offered EGP 61.846m in financing to 514 middle-income clients.
Low-income financing
The National Bank of Egypt (NBE) topped the list of banks supporting low-income clients, extending EGP 21.285bn to 163,416 beneficiaries and capturing a 23.3% market share.
Banque Misr ranked second with EGP 20.751bn in financing to 152,388 clients (22.7%), followed by Banque du Caire in third place with an 11.3% share after providing EGP 10.307bn to 65,913 clients.
Housing and Development Bank (HDB) came fourth, allocating EGP 7.952bn to 76,329 clients (8.7%). QNB Alahli – Egypt followed with EGP 6.788bn to 36,379 clients, representing 7.4% of the total.
In sixth place, the Commercial International Bank (CIB) extended EGP 5.737bn to 32,210 clients (6.3%), followed by Al Ahli United Bank with EGP 2.417bn for 16,079 clients (2.6%) and Next Bank with EGP 2.304bn for 12,052 clients (2.5%).
The Industrial Development Bank (IDB) ranked ninth, offering EGP 2.155bn to 18,372 clients (2.4%), while Mashreq Bank placed tenth with EGP 1.394bn for 7,896 clients (1.5%).
Middle-income financing
For middle-income borrowers, Banque du Caire led the market with EGP 1.184bn in loans to 2,968 clients. It was followed by NBE, which provided EGP 859.604m to 2,706 clients.
Banque Misr came third, lending EGP 738.333m to 2,310 clients. HDB followed with EGP 395.704m to 1,083 clients, while QNB Alahli extended EGP 386.108m to 966 clients.
CIB provided EGP 284.479m to 680 clients, and the Arab African International Bank (AAIB) delivered EGP 236.690m to 609 clients.
Next Bank offered EGP 89.626m to 217 clients, followed by Al Ahli United Bank with EGP 41.81m to 115 clients. The Industrial Development Bank provided EGP 28.59m to 190 clients.
Mortgage finance companies
The Fund also revealed that eight mortgage finance companies participating in the low-income segment of the initiative collectively provided EGP 2.452bn in November 2025, serving 19,304 clients and accounting for 3% of total financing.
Al Tameer Mortgage Finance topped the list with a portfolio of EGP 968.096m for 7,238 clients, followed by Contact Mortgage Finance with EGP 832.808m delivered to 6,117 clients.
Al Ahly Mortgage Finance ranked third, providing EGP 285.334m to 2,544 clients, while Amlak Finance offered EGP 240.343m to 2,214 clients.
They were followed by Tamweel Mortgage Finance with EGP 50.391m for 453 clients, and the Egyptian Company for Mortgage Finance with EGP 43.042m for 429 clients.
Al Ahli United Mortgage Finance placed seventh, extending EGP 19.973m to 200 clients, while Arab African International Mortgage Finance ranked eighth with EGP 12.211m to 109 clients.
