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Frequently Asked Questions

can vary depending on the type of mutual fund you invest in, your investment goals, and the market conditions. Here are some key risks associated with mutual funds:
  • Market Risk
  • Credit Risk
  • Interest Rate Risk
  • Liquidity Risk
  • Concentration Risk
  • Reinvestment Risk
It's important to understand the specific risks associated with the type of mutual fund you are considering and to align your investment choices with your risk tolerance, investment objectives, and time horizon.  

Returns represent the total net profits or losses (in some types of mutual funds) achieved against the invested amount during a specific period. To view the returns for the mutual funds offered by the bank

Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of capital market instruments, including equities listed on the stock exchange, treasury bills, treasury bonds, or other securities. Each investor in a mutual fund owns shares of the fund, representing a portion of the overall holdings. These shares are referred to as Investment Certificates, symbolizing the investor’s ownership in the mutual funds. The primary objective of mutual funds is to provide investors with access to a diversified portfolio managed by professional fund managers, reducing risk compared to investing in individual securities. Investors benefit from the collective buying power, professional management, and diversification of the fund, which can be difficult to achieve on their own.

Mutual funds come in various types, each designed to meet different investment objectives and risk profiles. The main types of mutual funds include:
  • Equity Funds (Stock Market)
  • Fixed Income Funds (Medium/Long term Debt Funds)
  • Money Market Funds (Short term Debt Funds)
  • Balanced Funds (Hybrid Funds)
  • Precious Metals Funds (Gold/Silver Funds)
 

EFG Hermes Asset Management is the fund manager for Credit Agricole I, Credit Agricole II equity funds and Credit Agricole III money market fund. With over 25 years of experience in the Egyptian market, the fund manager makes investment decisions on behalf of the investors based on through research and close monitoring of market conditions. EFG Hermes Asset Management is responsible for the performance of the funds under its management, as they handle the investment part of the fund.
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AWARDS

In its path working in the interest of its customers and society and relying on the cornerstones of its strategy, sustainability and innovation, Crédit Agricole Egypt, has received many prestigious awards over the years. These awards recognize the bank’s effort to create a customer relationship excellence.

They also acknowledge the valuable customers’ satisfaction and trust, which are the main drivers for the bank’s development plans to meet the needs of customers both individuals and corporates.

Moreover, those awards are:

2016

  • 1st bank in Egypt with ISO certification (ISO 370001:2016) in Anti-Bribery Management

 

2017

  • Egypt’s top 50 companies by Forbes Middle East and Amwal El-Ghad Magazine
  • JP Morgan’s “Elite Quality Recognition Award” with state-of-the-art STP rate

 

2018

  • Best In Mobile banking under the consumer category from Global Finance Magazine
  • Most Innovative Digital Bank in Egypt under the consumer category from Global Finance Magazine

 

2019

  • Arab Digital Banking Excellence Award
  • Best Mobile Application, from the Union Of Arab Banks
  • Most Innovative bank – Global business outlook
  • Best Private Bank – Global Finance Magazine

 

2020

  • Best Mobile Banking Adaptive Website – consumer category (banki Lite) – Global Business Finance
  • The digital Best Trade Finance Service – corporate category (Digital Trade Finance) – Global Business Finance
  • Most Innovative Retail Banking Product – Prepaid Card
  • Most Innovative Digital Bank – banki platform

 

2021

  • Most Innovative Retail Banking Product – Global Business Outlook
  • Most Innovative Digital Bank – Global Business Outlook
  • Best Customer Satisfaction & Happiness – Global Banking and Finance Review
  • Best Corporate Governance – Global Banking and Finance Review
  • Best Digital Trade Finance Services Bank award in Egypt
  • Best Mobile Banking Application

 

2022

  • The Most Innovative Retail Banking App – Global Banking & Finance Review
  • Best Mobile Banking App – Global Finance
  • Best Performing Egyptian bank 2022 – International Business Magazine.

 

2023

  • Best Digital Transformation Program in Egypt- International Business Magazine
  • Digital Banking Provider of the year in Egypt- World Business Outlook
  • Most User-friendly Multichannel Digital Banking Initiative – banki- Global Business Outlook
  • Best Mobile Banking App- Global Finance
  • Most Innovative Retail Banking App in Egypt- Global Banking and Finance Review”

2024

  • International Business Magazine – “Best Digital Transformation Program” award in Egypt
  • World Business Outlook – “Digital Banking Provider of the Year” Award
  • Global Banking and Finance Review – “Most Innovative Retail Banking App”