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Latest data released by the Central Bank of Egypt (CBE) revealed a sustained increase in domestic liquidity (M2) within the banking sector, rising to approximately EGP 13.853 trillion by the end of November 2025. The figures reflect a net monthly increase of EGP 167 billion, representing a growth rate of 1.3% compared to October, when liquidity stood at EGP 13.686 trillion.

Meanwhile, the narrow money supply (M1) recorded a notable rise to EGP 3.75 trillion, up by EGP 71 billion, posting a monthly growth rate of 1.93%. In contrast, cash in circulation outside the banking system declined by EGP 5 billion to EGP 1.424 trillion—an encouraging indicator of increased reliance on formal banking channels and a gradual shift toward a cashless economy.

The CBE data also highlighted a significant surge in total non-government local currency deposits, which exceeded EGP 9.4 trillion, marking an increase of EGP 200 billion from October’s level of EGP 9.2 trillion, with a growth rate of 2.17%.

Demand deposits reached EGP 2.3 trillion, up by EGP 100 billion month-on-month, with the private sector holding the largest share at EGP 1.2 trillion, followed by households at EGP 974.5 billion. Time deposits and saving certificates rose to EGP 7.07 trillion, increasing by EGP 60 billion, with households remaining the backbone of local savings, accounting for EGP 6.637 trillion—around 94% of total time deposits in local currency.

Foreign currency deposits (denominated in Egyptian pounds) climbed to EGP 3.028 trillion by the end of November, up EGP 36 billion from October, achieving a monthly growth rate of 1.2%. Current foreign currency deposits increased by EGP 23.3 billion to EGP 765.4 billion, led by the private sector with holdings of EGP 512.9 billion. Meanwhile, foreign currency time deposits and certificates reached EGP 2.262 trillion, up EGP 12 billion, with households maintaining dominance at approximately EGP 1.6 trillion—underscoring strong confidence in formal savings channels across different currencies.