Following the Central Bank of Egypt (CBE)’s restrictions on consumer loans, limiting the debt burden ratio to 35% of net monthly income, 14 banks have decided to amend their rules on personal loans in anticipation of a likely decline in personal loan portfolios, according to Al Mal newspaper. Five banks have increased the repayment period for personal loans from five to seven years, of which QNB Alahli, NBAD Egypt, Bank Audi Egypt and BLOM Bank Egypt, while Commercial International Bank (CIB) and Union National Bank (UNB) increased the repayment period from eight to ten years. Seven banks require higher salaries to grant loans, most notably SAIB, National Bank of Egypt (NBE), Banque du Caire, Banque Misr, Egyptian Gulf Bank (EGB) and BLOM Bank Egypt. 10 banks have increased their maximum lending limit by EGP100,000 to EGP500,000, most notably CIB, HSBC, NBK Egypt and NBE. (Al Mal)   CIB: EGP39.18 as of 10 April 2016, Rating: Buy, FV: EGP44.11 per share, MCap: USD5,061 million, COMI EY / COMI.CA Bank Audi: USD6.00 as of 10 April 2016, Rating: Buy, FV: USD7.15 per share, MCap: USD2,398 million, AUSR LB / AUSR.BY BLOM: USD10.80 as of 10 April 2016, Rating: Buy, FV: USD11.58 per share, MCap: USD2,322 million, BLBD LB / BLBDF.BY Egyptian Gulf Bank: USD1.18 as of 10 April 2016, Rating: Neutral, FV: USD1.60 per share, MCap: USD302 million, EGBE EY / EGBE.CA Qatar National Bank: QAR138.60 as of 10 April 2016, Rating: Buy, FV: QAR162.98 per share, MCap: USD31,972 million, QNBK QD / QNBK.QA National Bank of Kuwait: KWD0.67 as of 10 April 2016, Rating: Buy, FV: KWD0.82 per share, MCap: USD11,818 million, NBK KK / NBKK.KW Nationl Bank of AD (AD): AED8.75 as of 10 April 2016, Rating: Neutral, FV: AED9.10 per share, MCap: USD12,421 million, NBAD UH / NBAD.AD