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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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Crédit Agricole Egypt partners with Rock Developments to introduce mortgage solutions

Cairo 10th of April, 2025: Crédit Agricole Egypt has signed a cooperation agreement with Rock Developments to introduce mortgage solutions. This agreement will allow Rock Developments clients to have access to the bank’s long-term mortgage financing solutions (down payment of 20% and financing up to 80% of the unit’s value, with payment terms up to 15 years).

The cooperation agreement was signed by Ms. Nevine Shokry, Head of Proximity Banking of Crédit Agricole Egypt and Eng. Daniel Doss, Board Member of Rock Developments, along with the presence of several representatives from both entities.

Ms. Nevine Shokry, Head of Proximity Banking of Crédit Agricole Egypt stated “We are delighted to partner with Rock Developments to offer long term mortgage solutions that empower more Egyptians to own their homes. This collaboration highlights Crédit Agricole Egypt’s customer centricity approach, delivering innovative, accessible and sustainable financial solutions that are tailored to our clients evolving needs. By combining our banking expertise with Rock Development sustainable vision, we are supporting the growth of Egypt real state while contributing to a greener, more inclusive future”.

Eng. Daniel Doss, Board Member of Rock Developments emphasized that “This agreement offers exclusive financing solutions for the company’s clients through mortgage solutions. Residential units are available with a 20% down payment and financing up to 80% of the unit’s value, with payment terms up to 15 years. Meanwhile, commercial and administrative units come with a 25% down payment and financing of up to 75% of the unit’s value for the same duration”.

Eng. Doss affirmed that Rock Developments is committed to innovation, offering diverse strategies to serve its clients by delivering projects that align with their aspirations while providing advantages that support their purchasing decisions.

He added that “Collaborating with Crédit Agricole Egypt, a partnership that emphasizes sustainability, represents a key milestone in our journey towards responsible growth”

Rock Developments is a leading real estate company with over 40 years of experience. Its projects span across Greater Cairo, Egypt, offering residential, commercial, and administrative projects, as well as several commercial projects in Canada. Rock developments will launch a sustainable certification project located in the New Capital City.

Crédit Agricole Egypt and Rock Developments are committed to boosting real estate investment by expanding financing options and ensuring secure investment opportunities. Their mission is to foster growth in Egypt’s dynamic property market by supporting projects built to global standards and introducing innovative solutions for sustainable development, safeguarding the environment for future generations.

This collaboration is part of Crédit Agricole Egypt’s strategy, which aims to provide diverse opportunities and facilities for its clients, with a focus on offering flexible mortgage solutions that support their housing and investment plans. It reflects the bank’s role in supporting the Egyptian economy, enhancing financial inclusion, and contributing to sustainable development.

It is worth mentioning that Crédit Agricole Egypt has signed an agreement with the European Bank for Reconstruction and Development (EBRD) for a loan worth USD 20 million to lend to individuals and small businesses under the Green Economy Financing Facility (GEFF II), the second phase of Egypt’s regional green economy financing program.