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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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Sustainability Governance

​EXECUTIVE COMMITTEE :

Executive Committee sets Crédit Agricole Egypt’ s sustainability strategy, approves sustainability framework

SUSTAINABLE DEVELOPMENT COMMITTEE

  •  Headed by the Bank’s Managing Director
  • Composed of senior heads from the different Bank’s departments serving the 4 pillars of the sustainability
  • Evaluates and approves proposals for sustainable projects
  • Review activities, sets policies, defines priorities and monitors the implementation of sustainability initiatives. according to the set KPIs, in consistence with CA Egypt sustainability strategy
  • Meets at least once every quarter and as often as deemed necessary

COMMUNICATION AND SUSTAINABLE DEVELOPMENT DEPARTMENT

  • Animates  the Sustainable Development Committee
  • Acts as the organizational focal point with the different departments to ensure the integration of the sustainability principles
  •  Delivers reports assessing the progress of Crédit Agricole Egypt targets
  • Handles the development and coordination of sustainability efforts and may propose initiatives or campaigns
  • Spreads the culture of Sustainability within the Bank and handles the Sustainable Development Community
  • Ensures proper alignment with the Group Sustainable Development targets

SUSTAINABILITY CHAMPIONS TEAM

  • 10 to 20 champions from the different areas of the Bank
  • Ensures the spread of knowledge
  • Enforces the implementation of various sustainability initiatives across the Bank