- Funds' assets rise to EGP 238.2 billion.. Investments record EGP 210.9 billion with a 25.5% growth
- Total contributions reach EGP 23.4 billion, a 25.1% increase compared to 2024.. and the number of beneficiaries reaches 4.2 million members
The Financial Regulatory Authority, headed by Dr. Islam Azzam, has issued the annual performance report for private insurance funds for the year 2025. The report includes the funds' key financial and operational indicators, industry developments throughout the year, as well as the evolution of contributions, assets, investments, and insurance benefits paid to members.
The report highlights the vital role played by private insurance funds in enhancing social protection, providing financial benefits to employees and members upon retirement or termination of membership in accordance with the governing rules of each fund. Furthermore, it underlines their role in accumulating savings and channeling them into diverse investment avenues, thereby supporting economic activity and contributing to the deepening of the capital market and the financial sector.
The report stated that the number of active private insurance funds reached 665 by the end of 2025, compared to 671 funds at the end of 2024, while the number of funds under liquidation stood at 86, bringing the total number of active and liquidating funds combined to 751 funds.
Additionally, the number of fund members by the end of the year reached approximately 4.21 million members, reflecting the significance of this mechanism for a broad base of citizens benefiting from the savings and insurance protection provided by the funds.
Regarding financial indicators, 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, achieving a growth rate of 21.7%.
Moreover, the reserve fund value grew to approximately EGP 226 billion, compared to EGP 184.7 billion in the previous year, with a growth rate of 22.3%. This reflects the strengthening of the funds' financial base and their ability to fulfill obligations towards members in accordance with the provisions of each fund.
As for total investments, they recorded EGP 210.9 billion by the end of 2025, compared to EGP 168.1 billion by the end of 2024, marking a growth rate of 25.5%. Meanwhile, net investment income rose to EGP 40.6 billion, compared to approximately EGP 31.4 billion during the previous year, achieving a growth rate of 28.9%. This reflects the development of the funds' investment resources and the importance of managing them efficiently to generate returns that support the fulfillment of future obligations, in light of the Financial Regulatory Authority's decisions encouraging rational investment allocation of fund savings to protect their financial stability, safeguard subscribers' interests, and deepen their utilization.
Regarding contributions, total contributions—including entity contributions—rose to EGP 23.4 billion during 2025, compared to EGP 18.6 billion in 2024, representing a growth rate of 25.1%.
Conversely, the value of insurance benefits paid by the funds increased to EGP 20 billion during 2025, compared to EGP 17.9 billion in the previous year, recording a growth rate of 11.7%. This reflects the direct role of the funds in providing financial dues to their members upon the occurrence of the prescribed insured events.
The equivalent value of benefits upon reaching retirement age topped the list of paid insurance benefits at approximately EGP 13.45 billion, followed by periodic pensions at EGP 2.81 billion, and benefits associated with the death of a member at EGP 1.22 billion.
At the level of investment distribution, report data showed a notable inclination towards financial instruments related to the banking sector and government debt; the value of government-guaranteed securities reached approximately EGP 88.27 billion.
Furthermore, the value of deposits, certificates of deposit, and investment accounts reported reached approximately EGP 88.05 billion, while investments in fixed-income investment fund units recorded EGP 11.49 billion, and the value of stocks traded on the Egyptian Exchange (EGX) reached EGP 4.46 billion, alongside EGP 7.49 billion in other investments.
Dr. Islam Azzam, Chairman of the Financial Regulatory Authority, stated that these indicators underscore the growing economic importance of private insurance funds as one of the primary channels for pooling and deploying long-term savings, in addition to their role in supporting the financial stability of members and their families, and providing funding resources invested in debt instruments, the banking sector, and the capital market.
The FRA Chairman emphasized the importance of continuously enhancing supervisory mechanisms over the funds, developing their management, and reinforcing governance and investment efficiency in accordance with the Unified Insurance Law No. (155) of 2024 and regulatory decisions issued by the Authority, ensuring a balance between developing members' funds and the ability to meet due insurance benefits.
The issuance of this report comes within the framework of the Authority's commitment to making data and indicators related to non-banking financial activities available, enhancing transparency, and raising awareness of its performance, thereby supporting the assessment of market developments, aiding in their growth, and maximizing their contribution to the national economy.
