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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.
Business Credit Card

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Business Credit Card

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Welcome to the world of Crédit Agricole Business Credit Cards, where the payment of professional travel and entertainment expenses has never been easier! Further designed to boost your company’s efficiency, CAE’s Business Credit Cards will save you unneeded paperwork, thus facilitating and speeding buying.

Benefits:

  • Monitoring and controlling business expenses.
  • Streamlining travel and entertainment expense reporting.
  • Simplifying accounting activities.
  • Reducing central cash advances.
  • Central Bill: consolidated monthly statement.
  • Central Pay through Direct Debit from company’s account.
  • Monthly usage statistics to facilitate negotiations with vendors.
  • Dedicated corporate support.
  • View all the cards activities, statements, available & outstanding balance, cards limits, and payment dues, through one designated user on our online banking system

Features:

  • The Business Credit Card is accepted at more than 32 million establishments worldwide, and at over 1 million ATM locations for cash withdrawals (24/7)
  • The monthly outstanding balance for the Business Credit Card is directly debited from the company’s account maintained at CAE
  • Employees can choose from various repayment options, detailed as follows:
PAYMENT OPTIONS
Option How do I pay? Time taken to get payment credited to your card account
ATMs Payment at any CAE ATM Real-Time
Online Banking Internal transfer from the employee’s own account at CAE Real-Time
CAE branches Cash deposit at any CAE branches Same day before 5:00 PM
Next day after 5:00 PM
  • Each employee will receive an individual billing monthly statement detailing all transactions performed during the month. This will be sent to the business mailing address.
  • Employees will benefit from flexible Support:
    • Call Centre is available 24/7 at 19191 locally, and at (+202) 3332-9300 internationally to answer any queries you may have.
    • CAE Customer Service team will be happy to serve your employees in all branches.
    • Company and employees can simply send all written instructions from the comfort of their offices via a dedicated email to CAE.
    • Employees can conveniently and securely access their Business Credit Card accounts from anywhere through a 24/7 Phone Banking service, offering the following:

      – Card Activation.
      – Balance Inquiry.
      – Card Blocking.
      – ATM / Telephone PIN Change.

  • CAE’s secure banki Online allows employees to track their finances anytime, anywhere where employees can instantly inquire about:
    • Current Balance and available Credit Limit.
    • Unbilled transactions.
    • Last 6 months statements.
    • Card Blocking.
  • Travel Insurance Program where you will enjoy peace of mind during your business trips knowing that your CAE business card is your reliable partner, offering a free travel insurance.
  • To ensure card protection, you will benefit from Advanced Fraud Monitoring service that detects any suspected transaction. From time to time, the employees might receive a call from the bank to ensure that the encountered transaction is made by the genuine card holder.
  • If your employees’ cards are lost or stolen, they will not be held responsible for any unauthorized transactions that take place after reporting the case to Crédit Agricole call center at 19191, available 24/7.
  • Enjoy an exquisite range of privileges, from exclusive travel packages and accommodation at luxury hotels to fabulous shopping when using the Business Credit Card. To learn more about the benefits granted by CAE, click here to review VISA latest offers.
  • Monthly Interest Rate 3%








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    • Business Credit Card

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