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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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ACCOUNTS

  • Discounted account opening fees for eligible customers
  • Discounted service charges for eligible customers
  • Interest-bearing current account
  • Preferential tiered interest rates
  • Possibility of issuing a checkbook

DEBIT CARD

  • Free issuance and renewal of primary Debit Card
  • One supplementary Debit Card issued for free, with possibility of issuing up to 3 additional supplementary cards
  • Daily withdrawal limit up to EGP 30,000 from any CAE ATM free of charges
  • Earn reward points every time you make transactions using your Debit Card

FINANCE SOLUTIONS

  • Personal cash loans with preferential and competitive interest rates and repayment tenor up to 7 years
  • Financing new and used cars for more savings with competitive rates and repayment tenor up to 7 years
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  • Mortgage/Housing programs financing your future home at competitive rates
  • Buy-out loans from other banks by settling all your outstanding loans’ balances at discounted interest rate

CREDIT CARDS

  • Free issuance fees for Primary Platinum or Gold Visa Credit Card
  • Free issuance fees for the first supplementary Platinum or Gold Visa Credit Card
  • Earn reward points every time you make transactions using your Visa Credit Card

SAVING SCHEMES

  • Certificates of deposits, time deposits and saving accounts and with competitive interest rate for special deposit amounts
  • Various insurance and investment programs to better meet employees needs

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