Financial Sector Health
2.1%
NPL Ratio (Jun 2025)
From 7.2% in 2015
EGP 24T
Total Bank Assets
+5.9% QoQ
EGP 101B
Microfinance Portfolio
4.1M clients
76.3%
Financial Inclusion
From 27% in 2016
NPL Ratio Trend
Non-performing loans as % of total loans
Lending vs Deposit Rates
Bank lending rate, deposit rate, and spread
Microfinance Growth
Outstanding microfinance portfolio (EGP Billions)
Financial Inclusion
Adults with bank/mobile money accounts (%)
CBE Policy Rate Timeline
Central Bank of Egypt overnight lending rate (%)
Key Takeaways
- NPL ratio improved 71% from 7.2% to 2.1% over the decade, placing Egypt among the strongest asset-quality performers in the MENA region.
- Microfinance portfolio grew 8x in 7 years (EGP 12.5B to EGP 101B), reaching 4.1 million active clients — reflecting FRA's push for financial inclusion through non-bank lending.
- Financial inclusion nearly tripled from 27% to 76.3%, driven by mobile wallets, digital banking initiatives, and the national financial inclusion strategy launched in 2019.
- CBE policy rate reached a decade high of 27.25% in 2024, signaling aggressive monetary tightening to combat post-devaluation inflation.
Data Sources
Central Bank of Egypt Financial Stability Reports • Federal Reserve Economic Data (FRED) • Financial Regulatory Authority (FRA) Annual Reports • World Bank Global Findex Database • IMF Financial Soundness Indicators