الهيئة العامة للرقابة المالية

• Fund assets rise to EGP 238.2 billion, and investments record EGP 210.9 billion, representing a growth of 25.5%.
• Total contributions reach EGP 23.4 billion, a 25.1% increase compared to 2024 and the number of beneficiaries reaches 4.2 million members.

Financial Regulatory Authority (FRA), chaired by Dr. Islam Azzam, has releases 2025 Annual Performance Report for Private Insurance Funds, detailing key financial and operational indicators, industry developments and growth across contributions, assets, investments and benefit payouts.

The report highlights the essential role these funds play in strengthening social safety nets by offering financial security to employees and members upon retirement or membership termination. Beyond safeguarding individual futures, private insurance funds aggregate long-term savings and channel them into diverse investment vehicles, thereby stimulating economic activity and deepening Egypt’s capital market and financial sector.

Operationally, active private insurance funds stood at 665 at year-end 2025—down slightly from 671 in 2024—with an additional 86 funds under liquidation, bringing the total number of funds to 751.

Overall membership reached 4.21 million members, underscoring the widespread reliance on these funds for long-term financial security.

On the financial indicators front, the total assets of private insurance funds rose to EGP 238.2 billion by the end of 2025, compared to EGP 195.7 billion at the end of 2024, representing a growth rate of 21.7%.

Furthermore, the value of reserve funds grew to approximately EGP 226 billion, compared to EGP 184.7 billion in the previous year, marking a growth rate of 22.3%. This reflects the reinforcement of the funds’ financial base and their enhanced capacity to fulfill obligations to their members in accordance with each fund’s bylaws.

Total investments recorded EGP 210.9 billion by the end of 2025, up from EGP 168.1 billion at year-end 2024, representing a growth rate of 25.5%. Meanwhile, net investment returns surged to EGP 40.6 billion, compared to about EGP 31.4 billion during the previous year—a growth rate of 28.9%. This reflects the expansion of the funds’ investment resources and highlights the importance of efficient management to generate yields that support meeting future liabilities, in line with Financial Regulatory Authority (FRA) decisions aimed at encouraging prudent deployment of funds’ savings to safeguard financial stability, protect subscribers’ interests, and maximize their benefits.

Regarding contributions, total contributions—including employer contributions—rose to EGP 23.4 billion during 2025, compared to EGP 18.6 billion in 2024, growing at a rate of 25.1%.

On the other hand, the value of insurance benefits paid out by the funds increased to EGP 20 billion during 2025, up from EGP 17.9 billion in the previous year, achieving a growth rate of 11.7%. This underscores the direct role of the funds in delivering financial entitlements to members upon the occurrence of designated insurance events.

Retirement benefits topped the list of insurance payouts, amounting to approximately EGP 13.45 billion, followed by periodic pensions at EGP 2.81 billion, and death-related benefits at EGP 1.22 billion.

Regarding investment allocation, the report’s data revealed a noticeable trend toward financial instruments tied to the banking sector and government debt. Government-guaranteed securities reached approximately EGP 88.27 billion.

Additionally, the value of deposits, certificates of deposit (CDs), and investment accounts detailed in the report stood at around EGP 88.05 billion. Investments in fixed-income fund certificates reached EGP 11.49 billion, traded shares on the Egyptian Exchange (EGX) accounted for EGP 4.46 billion, and EGP 7.49 billion was allocated to other investments.

Dr. Islam Azzam, FRA Chairman stated that these indicators confirm the growing economic importance of private insurance funds as key channels for pooling and deploying long-term savings. He emphasized their role in bolstering the financial stability of members and their families, as well as providing financing resources that are invested in debt instruments, banking sector and capital market.

FRA Chairman stressed the importance of continually strengthening supervisory mechanisms over these funds, enhancing their management and promoting governance and investment efficiency in accordance with the Unified Insurance Law No. 155 of 2024 and regulatory decisions issued by the Authority. This ensures a healthy balance between growing members’ funds and maintaining the capacity to fulfill due insurance benefits.

The publication of this report aligns with the Authority’s commitment to provide data and indicators related to non-banking financial activities, promoting transparency and raising awareness of their performance, thereby supporting market evaluation, facilitating market growth and maximizing their contribution to the national economy.