Egypt Banking Sector Analysis

When all the major economies of the world have been adversely hit by the financial crisis, the Egyptian banking industry remains largely stable, reflecting its relative isolation from and resilience to the global crisis. Egypt has shown considerable progress in the banking sector reforms over the years. The central bank’s NPL management plan has helped banks to settle around 90% of total outstanding NPLs. With the rapid merger and acquisitions in the recent past, the banking sector has become more strong and efficient. The number of banks operating in Egypt reduced to 39 as of the end of FY 2009 from 43 in FY 2006.

As per our latest industry report titled “Egypt Banking Sector Analysis”, Egyptian banks have significantly intensified their lending activity during the past few years. Credit facilities provided to the business segment contribute to the majority of bank loans. However, external sector loans are experiencing rapid expansion on account of rise in loans to the private business segment, which are mostly provided to the trade sector in foreign currency. In future, banks are expected to further intensify their lending activities with rising demand for loans from domestic as well as external sector. Resultantly, bank loans are expected to grow at a CAGR of about 6.7% during FY 2011 - FY 2014.

As per our team of experts, Egyptian banks have not only witnessed growth in lending activities, but have also seen reckonable growth in the deposits on rising consumer confidence on the system. With rapid expansion in household and business sector deposits, the country is expected to witness a thriving influx of deposits during the forecast period. Further, time and saving deposits will account for the majority of growth.

Besides, we have analyzed the pattern of macroeconomic variables and their impact on the banking sector of the country. Our report has also identified emerging industry trends, which will decide the future of the Egyptian banking sector and the key players in the country’s banking system along with their detail business description and recent activities.
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1. Analyst View
2. Macroeconomic Analysis
2.1 Economic Growth
2.2 Income and Saving Pattern
2.3 Demographic Profile
2.4 Mortgage Rates
3. Banking Industry Overview
4. Bank Loans through FY 2014
4.1 By Vertical
4.1.1 Business
4.1.2 Household
4.1.3 Government
4.1.4 External
4.2 By Economic Activity
4.2.1 Agriculture
4.2.2 Industry
4.2.3 Trade
4.2.4 Services
5. Bank Deposits through FY 2014
5.1 By Currency
5.2 By Vertical
5.2.1 Business
5.2.2 Household
5.2.3 Government
5.2.4 External
5.3 By Product Type
5.3.1 Demand Deposits
5.3.2 Time and Saving Deposits
6. Industry Trends and Drivers
6.1 Huge Untapped Potential
6.2 Modern Banking Technology
6.3 Growing Acceptance of Payment Cards
6.4 Islamic Banking - An Emerging Opportunity
6.5 Potential in Mortgage Financing
6.6 Growth in Industry Verticals
6.7 SME Loans: Potential for Growth
6.8 Privatization Making Industry More Competitive & Efficient
7. Banking Reforms
8. Risk and Capital Assessment
9. Competitive Landscape
9.1 National Bank of Egypt
9.1.1 Business Description
9.1.2 Recent Developments
9.2 Arab African International Bank
9.2.1 Business Description
9.2.2 Recent Developments
9.3 Bank of Alexandria
9.3.1 Business Decription
9.3.2 Recent Developments
9.4 Barclays Bank Egypt
9.4.1 Business Description
9.4.2 Recent Developments
9.5 BNP Paribas
9.5.1 Business Description
9.5.2 Recent Developments
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Figure 2-1: Real GDP Growth (%), FY 2008 to FY 2013
Figure 2-2: Consumer Price Inflation (%), 2009-2012
Figure 2-3: Saving Pattern (%), FY 2009
Figure 2-4: Share of Young Population in Total Population (2010)
Figure 2-5: Young Population (Million), 2008-2013
Figure 2-6: Lending Interest Rate (%), 2008-2013
Figure 3-1: Bank Assets (Billion LE), FY 2008 to FY 2014
Figure 3-2: Bank Asset Composition (%), FY 2009
Figure 3-3: Net Interest Income of Banks (Million US$), 2008-2013
Figure 4-1: Bank Loans (Billion LE), FY 2008 to FY 2014
Figure 4-2: Bank Loans by Currency (%), FY 2010
Figure 4-3: Bank Loans by Sector (%), FY 2010
Figure 4-4: Bank Loans to Business Sector (Billion LE), FY 2008 to FY 2014
Figure 4-5: Bank Loans to Household Sector (Billion LE), FY 2008 to FY 2014
Figure 4-6: Bank Loans to Government Sector (Billion LE), FY 2008 to FY 2014
Figure 4-7: Bank Loans to External Sector (Billion LE), FY 2008 to FY 2014
Figure 4-8: Bank Loans by Economic Activity (%), FY 2010
Figure 4-9: Bank Loans to Agriculture Sector (Billion LE), FY 2008 to FY 2014
Figure 4-10: Bank Loans to Industrial Sector (Billion LE), FY 2008 to FY 2014
Figure 4-11: Bank Loans to Trade Sector (Billion LE), FY 2008 to FY 2014
Figure 4-12: Bank Loans to Service Sector (Billion LE), FY 2008 to FY 2014
Figure 5-1: Deposits with Banks (Billion LE), FY 2008 to FY 2014
Figure 5-2: Deposits with Banks by Currency (%), FY 2010
Figure 5-3: Deposits with Banks in Local Currency (Billion LE), FY 2008 to FY 2011
Figure 5-4: Deposits with Banks in Foreign Currency (Billion LE), FY 2008 to FY 2011
Figure 5-5: Deposits with Banks by Sector (%), FY 2010
Figure 5-6: Business Sector Deposits with Banks (Billion LE), FY 2008 to FY 2014
Figure 5-7: Household Sector Deposits with Banks (Billion LE), FY 2008 to FY 2014
Figure 5-8: Government Sector Deposits with Banks (Billion LE), FY 2008 to FY 2014
Figure 5-9: External Sector Deposits with Banks (Billion LE), FY 2008 to FY 2014
Figure 5-10: Deposits with Banks by Type (%), FY 2010
Figure 5-11: Demand Deposits with Banks (Billion LE), FY 2008 to FY 2014
Figure 5-12: Time and Saving Deposits with Banks (Billion LE), FY 2008 to FY 2014
Figure 6-1: Banking Penetration
Figure 6-2: Internet Users (‘000), 2008-2013
Figure 6-3: Mobile Subscribers (‘000), 2008-2013
Figure 6-4: Number of Credit and Debit Cards (Million), 2006-2008
Figure 6-5: Mortgage Loans (Billion LE), FY 2008 to FY 2010
Figure 6-6: New Passenger Cars Registration (‘000 Units), 2008-2013
Figure 6-7: TV, Refrigerator and Washing Machine Sales (‘000 Units), 2008-2012

Table 3-1: Banking Industry Structure (FY 2006 to FY 2009)
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