Non-bank financing granted by entities supervised by Egypt’s Monetary Regulatory Authority (FRA) exceeded EGP 1trn for the primary time, reaching EGP 1.1trn in the course of the first ten months of 2025, the regulator stated in a press release.
The entire displays a 54.6% progress in financing granted between January and October 2025 in comparison with the identical interval in 2024. Since Mohamed Farid assumed the chairmanship of the FRA in August 2022, financing actions have grown by 82.5%, rising from EGP 584bn on the finish of 2022 to the present EGP 1.1trn.
The FRA’s information supplied a breakdown of the financing distributed in the course of the ten-month interval:
- Fairness issuances:EGP 553.4bn, representing progress of 41.6%.
- Monetary leasing contracts:EGP 139.9bn, with a progress fee of 58.2%.
- Factoring exercise:EGP 102bn, an 82.4% improve.
- SME and micro-enterprise financing:EGP 85.9bn, up 11.9%.
- Securities issuances (excluding shares):EGP 77.2bn, a 145.8% improve.
- Shopper finance:EGP 74.9bn, rising by 58%.
- Mortgage finance:EGP 32.5bn, a 55.5% progress.
Movable collateral additionally noticed important progress in the course of the January–October 2025 interval, with the worth of registered belongings within the registry reaching EGP 4trn, a 39.8% improve year-on-year. Moreover, financing balances for small, medium, and micro-enterprises (SMEs) rose to EGP 93.8bn by the top of October 2025, a 27.1% improve in comparison with the identical interval in 2024. The FRA acknowledged these indicators replicate the resilience and sustainability of non-banking monetary progress, and the position of the regulatory and legislative framework in supporting credit score circulation, monetary inclusion, and financial exercise.
In a separate growth, the FRA accomplished an replace of its Accountable Pricing Reference Index for SME and micro-project financing merchandise, primarily based on September 2025 costs. The index, launched by Farid in September 2023, is the primary of its form in Egypt’s monetary sector.
The most recent statistical information for the index revealed that non-bank financing prices in Egypt remained comparatively secure between September 2024 and September 2025, with restricted worth actions throughout most financing classes regardless of present financial variables. The replace is meant to permit customers to match prices and assist rational financing selections via elevated transparency.
“The periodic assessment of the Accountable Pricing Index for micro, small, and medium enterprise merchandise confirmed essential leads to September 2025,” Farid stated. He added that the information mirrored the pliability of licensed entities in managing prices and their skill to soak up market modifications whereas directing financing towards low- and medium-risk prospects.
In keeping with the index, particular person micro-project financing costs moved inside secure ranges throughout September 2025. Median pricing ranges (Median) ranged from roughly 30% for low-risk prospects to 32% for high-risk prospects. Minimal pricing ranges remained secure throughout all danger classes, whereas market tendencies confirmed a focus of financing entities coping with medium-risk shoppers.
Group micro-project financing additionally confirmed worth stability, with median charges ranging between 31.5% for low-risk prospects and 33% for high-risk prospects. For SME initiatives, the index confirmed a optimistic stability in comparison with different merchandise, with the median worth vary restricted to between 22.4% and 22.7% throughout numerous danger classes. Minimal pricing (Minimal) for SMEs remained between 19.5% and 20.6%.
The FRA reported that 81% of SME financing entities adhered to the accountable pricing requirements in accordance with the index. In the meantime, dedication charges stood at 64.4% for particular person financing entities and 64.3% for group financing entities.
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