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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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COMPLIANCE

  • Commercial Register # 20051 Investment
  • Crédit Agricole Egypt policies and procedures are compliant with the FATF (40) Recommendations, Wolfsberg Anti Money Laundering principles and Basel Committee requirements.
  • Crédit Agricole Egypt complies to the Egyptian law regularly combat money laundering and the Know Your Client regulations
  • Crédit Agricole Egypt is regulated by the Central Bank of Egypt (CBE)
  • Crédit Agricole Egypt co-operates with the CBE Money Laundering Unit, so as to report any suspicious activities
For more information, please check Crédit Agricole Egypt Anti-Money Laundering Questionnaire.
To fill Crédit Agricole Egypt Anti-Money Laundering Questionnaire click here.

BKMS tool:

  • The main purpose of launching the BKMS tool through our website is to enable our customers (vendors/suppliers ) to report a whistleblowing alert as well as protecting their identity, the content of the alert, and the identity of the person concerned by the alert.
  • By launching this tool, Anti-corruption measurers will take place in terms of detecting any conflict of interest scenarios to occur in terms of requesting, offering, giving or accepting, directly or indirectly, a bribe or any other undue advantage, which distorts the proper performance of any duty or behavior required
  • This platform will be accessible through our website at any time, from anywhere from https://www.bkms-system.com/bkwebanon/report/clientInfo?cin=3CAgr18&c=-1&language=eng, and all the information (including personal information) will be encrypted and saved in a secure independent environment.
  • While submitting an alert through the designated link, the whistleblower is given the option of providing his identity or he can choose to remain anonymous, while exchanging the case with the person in charge of processing the alert through a secure “dialog box”.
This site is registered on wpml.org as a development site.