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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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Mega Campaign

Apply now for a Payroll loan, and get 1.5% of the total loan amount with a maximum of EGP 2,500, in addition to a chance to win EGP 1,000,000 or 10 prizes worth of EGP 100,000.

  • This offer is valid from 1 November till 30 October 2022
  • This offer is applicable to new & existing payroll customers
  • This offer is applicable to applications submitted during November only provided that the booking loan by 31 December, 2022
  • In case of Top-up loans: Offer will be applied on the top-up amount only, without the settled part
  • The reward will be credit to customers’ account during November & December 2022
  • The draw Mega prize is EGP 1,000,000 and 10 prizes worth of EGP 100,000. The draw and the winners’ announcement will take place in February 2023

Terms and conditions apply.

Under the supervision of the Ministry of Social Solidarity, license No. 109 of 2022

Tax. No.: 204-896-843

Apply Now

Apply & get Housing finance loan with a repayment period up to 15 years, and receive EGP 10,000 E-voucher. in addition In addition to a chance to win EGP 1,000,000 or 10 prizes worth of EGP 100,000.

  • This offer is valid from 1 November till 30 November 2022
  • This offer is not valid on the Central Bank of Egypt housing finance initiatives programs
  • The loan has to be booked before 31 December 2022
  • This offer is applicable to each booked loans with the amount of EGP 1,000,000 or above and capped at 3 E- Vouchers up to 30,000 EGP
  • The E-voucher will be sent to the winners during February 2023
  • The draw Mega prize is EGP 1,000,000 and 10 prizes worth of EGP 100,000. The draw and the winners’ announcement will take place in February 2023

Terms and conditions apply.

Under the supervision of the Ministry of Social Solidarity, license No. 109 of 2022

Tax. No.: 204-896-843

Apply Now

Apply  & get Visa Platinum credit card, and enjoy “Taksit” service on your purchases up to 12 months with 0% interest rate. In addition to a chance to win EGP 1,000,000 or 10 prizes worth of EGP 100,000.

  • This offer is valid from 1 November till 30 November 2022
  • All new Platinum Credit Cards (Primary & Supplementary) that are requested during the offer period are eligible for Taksit service.
  • All purchase transactions performed by new Platinum  (primary or supplementary) credit cards during the offer, will be eligible for “Taksit” service.
  • Minimum purchase transaction(s) amount eligible for “Taksit” is (EGP 3000 & Maximum of EGP 20,000), as single or multiple transactions
  • The last date for purchases that eligible to “Taksit” offer, is 31 December 2022.
  • The last date to request “Taksit” is 15 January 2023
  • To request “Taksit” service, please contact 19191 (After 5 days from the purchase transaction date)
  • The draw Mega prize is EGP 1,000,000 and 10 prizes worth of EGP 100,000. The draw and the winners’ announcement will take place in February 2023

*The bank has the right to suspend the offer at any point without prior notification

Terms and conditions apply.

Under the supervision of the Ministry of Social Solidarity, license No. 109 of 2022

Tax. No.: 204-896-843

Apply Now

Get a reward of EGP 300, when you nominate a friend or a family member to open an account and issue a Certificate of deposit. And get a chance to win EGP 1,000,000 or 10 prizes worth of EGP 100,000.

  • The offer is valid from 1 November till 30 October 2022.
  • This offer is valid for existing customers ( the referee) upon referring a friend or family member( nominated customer), to open a new account & issue a certificate of deposit with a minimum amount of EGP 5000 during the campaign duration.
  • In case the new nominated customer closes the account during the campaign duration, this will lead to the non-entitlement of entering the draw
  • The reward amount will be refunded during February 2023
  • The draw Mega prize is EGP 1,000,000 and 10 prizes worth of EGP 100,000. The draw and the winners’ announcement will take place in February 2023

* The value of the reward is EGP 300 for each referee who open the account and issue the CD.

Terms and conditions apply.

Under the supervision of the Ministry of Social Solidarity, license No. 109 of 2022

Tax. No.: 204-896-843

Apply Now

Get EGP 3000  E-voucher upon opening a new account, or increasing your current deposits with a minimum  of  EGP 100,000. And get a chance to win EGP 1,000,000 or 10 prizes worth of EGP 100,000.

  • This offer is valid from 1 August till 31 August, 2022
  • This offer is valid for new & existing customers
  • Minimum balance of EGP 100,000 each month must be maintained till 31 December 2022
  • In case the outstanding balance falls below the minimum amount of EGP 100,000, the customer will not be eligible for the E-voucher offer
  • Any additional deposits will not be applied into the account after 31 August 2022
  • In case of existing customer eligibility, the new deposits only shall be applied, and it will be compared to the closing balance of the customer on 31 July, 2022
  • Offer is valid for all account types
  • The E-voucher will be redeemed to the winners on February 2023
  • The draw Mega prize is EGP 1,000,000 and 10 prizes worth of EGP 100,000. The draw and the winners’ announcement will take place in February 2023

 

Terms and conditions apply.

Under the supervision of the Ministry of Social Solidarity, license No. 109 of 2022

Tax. No.: 204-896-843

Apply Now