The Financial Regulatory Authority, headed by Dr. Islam Azzam, issued the annual report on the performance of private insurance funds for the year 2025, including the most prominent financial and operational indicators of the funds, the changes that the industry witnessed during the year, and developments in subscriptions, assets, investments and insurance benefits paid to members.

The report reveals the important role played by private insurance funds in promoting social protection, providing financial benefits to workers and their members upon retirement or termination of membership according to the rules regulating each fund, in addition to their role in accumulating savings and directing them to diverse investment channels, which supports economic activity and contributes to deepening the capital market and the financial sector.

The report explained that the number of active private insurance funds reached 665 funds by the end of 2025, compared to 671 funds at the end of 2024, while the number of funds under liquidation reached 86 funds, bringing the total number of active and liquidation funds together to 751 funds.

The number of members of the funds reached approximately 4.21 million by the end of the year, reflecting the importance of this mechanism to 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, with a growth rate of 21.7%.

The value of reserve funds also grew to about 226 billion pounds, compared to 184.7 billion pounds in the previous year, with a growth rate of 22.3%, reflecting the strengthening of the financial base of the funds and their ability to meet their obligations towards members in accordance with the provisions of each fund.

Total investments reached EGP 210.9 billion by the end of 2025, compared to EGP 168.1 billion by the end of 2024, with a growth rate of 25.5%. Net investment returns increased to EGP 40.6 billion, compared to approximately EGP 31.4 billion during the previous year, with a growth rate of 28.9%. This reflects the development of the funds' investment resources and the importance of managing them efficiently to achieve returns that support the fulfillment of their future obligations. This is in light of the decisions of the Financial Regulatory Authority that encourage the rational investment of the funds' savings, in order to protect their financial stability, achieve the interests of the subscribers, and deepen their benefit from them.

Regarding subscriptions, total subscriptions - including contributions from entities - increased to EGP 23.4 billion during 2025, compared to EGP 18.6 billion in 2024, with a growth rate of 25.1%.

In contrast, the value of insurance benefits paid by the funds increased to 20 billion pounds during 2025, compared to 17.9 billion pounds in the previous year, with a growth rate of 11.7%, reflecting the direct role of the funds in providing financial entitlements to their members when the prescribed insurance cases are realized.

The value corresponding to the benefits of reaching retirement age topped the list of insurance benefits paid, at about 13.45 billion pounds, followed by the periodic pension at 2.81 billion pounds, and then the benefits related to the death of the member at 1.22 billion pounds.

Regarding the distribution of investments, the report data showed a notable trend towards financial instruments related to the banking sector and government debt; the value of government-guaranteed securities amounted to approximately 88.27 billion pounds.

The value of deposits, savings certificates and investment accounts included in the report amounted to about 88.05 billion pounds, while investments in fixed income investment fund documents amounted to 11.49 billion pounds, and the value of shares traded on the Egyptian Stock Exchange amounted to 4.46 billion pounds, in addition to 7.49 billion pounds of other investments.

Dr. Islam Azzam, Chairman of the Financial Regulatory Authority, said that these indicators confirm the growing economic importance of private insurance funds as one of the channels for collecting and investing long-term savings, as well as their role in supporting the financial stability of members and their families, and providing financing resources that are invested in debt instruments, the banking sector and the capital market.

The Chairman of the Authority stressed the importance of continuing to strengthen oversight mechanisms for funds, developing their management, and enhancing governance and investment efficiency in accordance with the Unified Insurance Law No. (155) of 2024 and the regulatory decisions issued by the Authority, in order to ensure a balance between developing members’ funds and the ability to meet the insurance benefits due.

The release of the report comes as part of the Authority’s commitment to providing data and indicators related to non-banking financial activities, enhancing transparency and raising awareness of their performance, which supports the assessment of market developments, helps in their growth, and maximizes their contribution to the national economy.