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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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Redemption

Redemption could not be easier. Just simple steps to redeem your points.

Redemption could not be easier. Just simple steps to redeem your
points.

No paper voucher!

Buy at merchants:

A wide variety of a hand-picked selection of best brands is available for you to redeem directly at the merchant

Buying using your points in 3 just steps:

  • Give the cashier your registered mobile number at the bank
  • You will receive an SMS with 6-digit PIN to provide to the cashier
  • The cashier will process the PIN and you will receive a confirmation by SMS

  • Enjoy “Carrefour” our mega merchant & discover ALL
    participating merchants through CAE Merchants Catalogue available inside
    banki online link to login
    banki Online

Buy online:

Enjoy shopping online – available through banki Mobile / banki Lite
only

  • Proud to be the leading bank offering Happy Points redemption 24/7, anywhere
    exclusively using banki Mobile.
  • You can now easily login to banki Mobile to check & follow your Happy
    Points balance on banki Mobile & redeem them from 70+ various merchants
    while shopping.
  • The more you transact using banki Mobile & banki Wallet, the more Happy
    Points you’ll earn:  click here

Happy Points Online merchants redemption steps:

  • Check “Happy Points” online merchants catalogue on banki Mobile/lite
  • Click on your favorite merchant
  • Enter the amount you want to redeem in EGP
  • Click “Create Coupon”, then you will be requested to enter the code (OTP)
    that will be sent to your mobile number to be able to continue
  • You will receive an SMS with the requested coupon number & validity and
    another sms with the deducted points & remaining balance of your Happy
    Points
  • Once you use the coupon at the online merchant, you will receive a
    confirmation SMS.
  • You can redeem form the below merchants
    • El Menus
    • Breadfast
    • Gourmet
    • Jumia

    Notes:

    • Coupon validity is 1 month.
    • Expired coupons can’t be refunded or renewed.
    • Coupon code is valid for one time-usage with its full amount.

      Pay your annual credit card fees:

      Only full amount of card annual fees can be requested to pay.

      To request payment of your annual credit card fees:

        • Contact credit Agricole call center 19191.
          or

        • Fill the form "Redeem Your Points"