The financing, given to the private sector, households, and individuals, makes up around 54 percent of the country’s total financial sector.
The FRA supervises and regulates the country’s non-banking financial markets, including insurance, capital markets, mortgage finance, financial leasing, and securitization to ensure transparency, market stability, and investor protection. It also handles licensing entities and oversees activities.
Non-banking financial sector entities are firms that provide financial services outside the traditional banking system, such as leasing, insurance, consumer finance, and Buy Now and Pay Later (BNPL) cards.
BNPL schemes slowly emerged over the past decade as a tool to bridge the gap between consumption and limited income, due to heightened inflation. It aims to increase people’s purchasing activity levels, making it possible to buy goods in installments over a period of over six months.
They can, however, have negative outcomes such as becoming indebted for long periods if not properly regulated.
The number of new account holders doubled to 228,000 during the first four months of 2026, compared to 83,000 during the same time period last year. This is driven by the implementation of financial technology (fintech) regulations in the non-banking financial sector.
Meanwhile, earlier this year, the FRA launched a digital payment network in its experimental phase to facilitate the digital payment of financial obligations.
The non-banking financial activity reached EGP 417 billion by the end of 2025, while the number of financing contracts has surpassed 9.8 million. It currently consists of 2,532 firms and entities regulated by the FRA and serves over 64 million clients.
The total number of operating entities has reached 978 by the end of 2025 in the capital markets sector, including 253 listed firms, 538 operating firms, and 172 investment funds.
Moreover, the Egyptian Stock Exchange (EGX) recorded growth across capital market indicators, showing improved liquidity, a broader investment base, and increased engagement during the first four months of 2026, until the end of April.
The main index, EGX30, rose by 26.56 percent, while the index for the 25 most liquid companies exhibiting the lowest price fluctuations, EGX35 Low Volatility (LV), increased by 25.6 percent, the EGX30 Capped rose by 25.4 percent, and the EGX33 Shariah increased by 22.42 percent.
The market capitalization rose to almost EGP 3.7 trillion by the end of April 2026, jumping by 22.3 percent or around EGP 669 billion from December 2025. Meanwhile, daily trading values and volumes exceeded EGP 13 billion by the end of April 2026.
Furthermore, the total value of trade in listed shares reached around EGP 579 billion, a 62 percent rise by the end of April 2026, compared to the same time period in 2025.
The trading value of bonds and treasury bills (T-bills) also rose by 50 percent to reach almost EGP 7.7 billion during the first four months of 2026, on the back of the recent diversification of investment instruments and higher activity levels from individual and institutional investors.
Index funds recorded returns of 7.54 percent, while private equity funds recorded returns of 7.21 percent during the first quarter of 2026. This is equivalent to annual returns of 30.16 percent and 28.84 percent, respectively, excluding distributions of
The number of private insurance funds increased by 20 percent to around 671 by the end of 2025, serving five million members, with an estimated value of EGP 201 billion, compared to EGP 168 billion by the end of 2024.
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