{"id":692236,"date":"2026-04-07T00:00:00","date_gmt":"2026-04-07T00:00:00","guid":{"rendered":"https:\/\/enterpriseam.com\/egypt\/?p=692236"},"modified":"2026-04-07T03:46:48","modified_gmt":"2026-04-07T03:46:48","slug":"the-end-of-easy-credit-as-banks-stress-test-for-a-weaker-egp","status":"publish","type":"post","link":"https:\/\/enterpriseam.com\/egypt\/2026\/04\/07\/the-end-of-easy-credit-as-banks-stress-test-for-a-weaker-egp\/","title":{"rendered":"The end of easy credit as banks stress test for a weaker EGP"},"content":{"rendered":"

Escalating regional tensions and a spike in global energy costs are <\/strong>pushing banks away from <\/strong>growth-led strategies in favor of a<\/strong> cautious and<\/strong> defensive approach<\/strong>, industry insiders tell EnterpriseAM. Local lenders are offloading risk from energy-intensive manufacturing and logistics while doubling down on defensive sectors like agri-tech, pharma, and import substitution, we\u2019re told.<\/p>\n

\u201c<\/strong>Banks in Egypt and other emerging markets are no longer driven solely by the goal of <\/strong>achieving the highest returns<\/strong>,\u201d Egyptian Society for Political Economy, Statistics, and Legislation member Ahmed Shawky tells us. The \u201cprimary focus has shifted to maintaining asset quality and enhancing the ability to withstand shocks,\u201d he explained, warning that crises often lead to the ratios of non-performing loans rising 1 to 2 percentage points in emerging markets.<\/p>\n

With a growing drain on foreign currency, lenders are intensifying portfolio reviews and <\/strong>shifting their focus to risk management<\/strong>, NBK Corporate Finance Assistant Deputy CEO Mohamed Abdel Moneim similarly tells us. <\/p>\n

\u201cTraditional models are no longer sufficient under current challenges<\/strong>,\u201d according to Shawky, as banks are now \u201crelying on extended stress tests covering multiple scenarios, such as spikes in energy prices, supply chain disruptions, and currency devaluation,\u201d and putting increased weight on future earnings flow expectations. \u201cIn times of crisis, the strength of a bank is not measured by its capacity to lend, but by its ability to make the right credit decision at the right time with the highest degree of professional prudence,\u201d according to Shawky. <\/p>\n

Banks are prioritizing food, pharma, healthcare, and agriculture \u2014 sectors seen as <\/strong>resilient to external shocks<\/strong> \u2014 while scaling back exposure to industries grappling with supply chain disruptions and rising operating costs, Abdel Moneim said. Shawky also points to renewable energy, SMEs, fintech, and digital services as sectors being pivoted towards by banks as they move \u201ctoward reducing concentration in sectors most vulnerable to volatility while strengthening precautionary provisions and repricing financing to reflect actual risk.\u201d<\/p>\n

Why this matters: <\/strong>With between USD 5.2 bn and USD 6.8 bn in foreign outflows since February and CDS spreads hovering near 330 points, \u201cthe expansion first logic no longer dominates,\u201d Alraya Consulting and Training Managing Partner Hany Abou El Fotouh tells EnterpriseAM. Banks are no longer looking at clients\u2019 growth trajectories, but stress testing them for a weaker EGP, vulnerability to supply chain disruptions, and exposure to high energy costs, he added. Depending on where your company sits on these points, the cost of capital might have just gone up significantly. <\/p>\n

What\u2019s next? <\/strong>If pressures persist, credit growth could fall from normal rates of around 10% to 5% as banks become \u201cmore stringent in granting credit, redirecting financing toward defensive sectors and prioritizing liquidity management and asset quality over lending expansion,\u201d according to Shawky. Abou El Fotouh also suggests that a longer war will lead to banks opting for further \u201cshorter-term financing, higher selectivity, and more conservative risk pricing.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

\u201cIn times of crisis, the strength of a bank is not measured by its capacity to lend, but by its ability to make the right credit decision at the right time,\u201d Ahmed Shawky tells EnterpriseAM<\/p>\n","protected":false},"author":1,"featured_media":692237,"comment_status":"closed","ping_status":"open","sticky":false,"template":"single-feature.php","format":"standard","meta":{"_acf_changed":false,"newspack_ads_suppress_ads":false,"newspack_popups_has_disabled_popups":false,"newspack_sponsor_sponsorship_scope":"","newspack_sponsor_native_byline_display":"inherit","newspack_sponsor_native_category_display":"inherit","newspack_sponsor_underwriter_style":"inherit","newspack_sponsor_underwriter_placement":"inherit","ep_exclude_from_search":false,"_primary_brand":0,"newspack_featured_image_position":"","newspack_post_subtitle":"","newspack_article_summary_title":"Overview:","newspack_article_summary":"","newspack_hide_updated_date":false,"newspack_show_updated_date":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[7350],"tags":[204,104,72,182],"brand":[],"newspack_spnsrs_tax":[],"class_list":["post-692236","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","tag-banking","tag-economy","tag-enterpriseam","tag-inflation","wpautop","entry"],"acf":{"mongo_id":"c68f7c75-38ee-45fd-847a-bd87cf4c5d6a","order":"7","is_powered_by":false,"story_type":"1","photo_url":"https:\/\/ent.news\/2025\/4\/1480.jpg","photo_position":"above","homepage_title":"","full_issue_title":"Banks are trading growth for safety","related_issue":[692225],"teaser":"\u201cIn times of crisis, the strength of a bank is not measured by its capacity to lend, but by its ability to make the right credit decision at the right time,\u201d Ahmed Shawky tells EnterpriseAM"},"yoast_head":"\nThe end of easy credit as banks stress test for a weaker EGP - 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The high-yield savings products were introduced to the market on 4 January ahead of the EGP devaluation to help curb inflation\u2026","rel":"","context":"In "Banking"","block_context":{"text":"Banking","link":"https:\/\/enterpriseam.com\/egypt\/category\/industries\/banking\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ent.news\/2023\/1\/444.jpg?fit=%2C&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":562421,"url":"https:\/\/enterpriseam.com\/egypt\/2021\/05\/24\/net-foreign-assets-at-banks-dip-in-march\/","url_meta":{"origin":692236,"position":1},"title":"Net foreign assets at banks dip in March","author":"enterpriseam admin","date":"24 May 2021","format":false,"excerpt":"Net foreign assets (NFAs) in Egypt\u2019s banking sector dipped 13.7% m-o-m in March to reach USD 17.70 bn, from a record high of USD 20.50 bn in February, according to Central Bank of Egypt data. The banking sector\u2019s NFAs nosedived 45% m-o-m in March 2020 when the beginning of the\u2026","rel":"","context":"In "Economy"","block_context":{"text":"Economy","link":"https:\/\/enterpriseam.com\/egypt\/category\/economy\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ent.news\/2021\/5\/204.jpg?fit=%2C&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":570667,"url":"https:\/\/enterpriseam.com\/egypt\/2020\/04\/09\/a-decade-of-de-risking-banks-has-made-financial-markets-more-risky\/","url_meta":{"origin":692236,"position":2},"title":"A decade of de-risking banks has made financial markets more risky","author":"enterpriseam admin","date":"9 April 2020","format":false,"excerpt":"Risk is energy, and it\u2019s now moving from banks to money markets: The shadow of the financial crisis is looming over the covid-19 fallout as efforts aimed at making banking safer \u201cmay instead have conspired to make it more brittle,\u201d Robin Wigglesworth writes for the Financial Times. 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The regulations lay out the rules and responsibilities for issuing banks, payment service providers and acquiring banks,\u2026","rel":"","context":"In "REGULATION WATCH"","block_context":{"text":"REGULATION WATCH","link":"https:\/\/enterpriseam.com\/egypt\/category\/regulation-watch\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ent.news\/2021\/11\/364.jpg?fit=%2C&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":590699,"url":"https:\/\/enterpriseam.com\/egypt\/2019\/12\/31\/what-impact-would-a-central-bank-cryptocurrency-have-on-our-global-banking-system\/","url_meta":{"origin":692236,"position":5},"title":"What impact would a central bank cryptocurrency have on our global banking system?","author":"enterpriseam admin","date":"31 December 2019","format":false,"excerpt":"What impact would a central bank cryptocurrency have on our global banking system? China\u2019s upcoming issuance of a central bank-backed cryptocurrency, which could happen in 2020, has the potential to profoundly disrupt the banking sector \u2014 with global impact, writes Andy Mukherjee in a Bloomberg opinion piece. The digital RMB,\u2026","rel":"","context":"In "Worth reading"","block_context":{"text":"Worth reading","link":"https:\/\/enterpriseam.com\/egypt\/category\/lifestyle\/worth-reading\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ent.news\/2019\/12\/792.jpg?fit=%2C&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"_links":{"self":[{"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/posts\/692236","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/comments?post=692236"}],"version-history":[{"count":1,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/posts\/692236\/revisions"}],"predecessor-version":[{"id":692271,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/posts\/692236\/revisions\/692271"}],"acf:post":[{"embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/issue\/692225"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/media\/692237"}],"wp:attachment":[{"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/media?parent=692236"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/categories?post=692236"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/tags?post=692236"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/brand?post=692236"},{"taxonomy":"newspack_spnsrs_tax","embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/newspack_spnsrs_tax?post=692236"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}