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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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overview

Happy POINTS… more to happiness

  • More transactions to be rewarded…
  • More points…
  • More merchants…
  • Easy redemption!

Because your happiness matters, we are bringing you a new upgraded loyalty program to reward you now each time you transact using your Debit, Credit or Prepaid cards or even when you use banki Mobile.

Happy Points comes with a wider selection of carefully picked merchants/brands. Not only so, no more vouchers or bank visits, because you can redeem directly at the merchant.

Benefit from your transactions and redeem your points in easy and simple steps

  • Transact using your Credit Agricole Credit, Debit or prepaid card or through banki Mobile.
  • Accumulate points and the more you transact. the bigger is your reward!
  • Redeem directly at your preferred merchant… no paper voucher!

MUST KNOW:

  • Your enrollment in Happy Points Program is automatic
  • Minimum number of points for redemption is10,000 points
  • Eligible Cards are all Crédit Agricole Debit, Credit and Prepaid cards (Meeza cards are not eligible)
  • Eligible transactions are as follows (full Earning points matrix)
    • Local & international cards purchase transactions at in store & online merchants
    • Registration and payment through banki Mobile.
  • Non-eligible Transaction are ATM cash withdrawals and cards charges payments and governmental payments.
  • Points will be automatically cancelled upon card cancellation or relation closure
  • Points will expire in 24 months from earning date and are non-refundable
  • Points earned will reflect on system after 48 hours
  • Only primary card holder and/or main account owner are allowed to redeem points
  • The mobile number used for redemption is the local mobile number registered in the bank’s system
  • Supplementary cards are eligible to earn points as per the card type, however the redemption request must be initiated by the primary card member or account owner

 

The bank has the right to change or amend the program terms and conditions at any time.
Other information or changes that may affect customer’s use of the program, will be communicated by displaying such change in information on our website.
The bank will not be responsible for any incorrect information obtained through the merchant’s website or any authorized third party.

Terms & Conditions apply.