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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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  • Start using banki Wallet to pay your bills
  •  you pay different bills remember to set them as “Favorites” so you can easily pay them again next time.

Steps to Register & Activate banki Wallet 

  1. Download banki Wallet App
  2. Press “Create an account”
  3. Choose either “Register with card” or “CIF”

 

In case of “Register with card” 

  • Enter Card Number
  • Enter CVV

In case of “CIF”:click here 

  • Enter CIF
  • Enter T-Pin
  1. You’ll receive an Activation code
  2. Choose your M-Pin

Steps to load banki Wallet: click here

  1. Link your card or account through the App
  2. Press “Load wallet”
  3. Choose a Loading Method (Card or Account)
  4. Enter desired Amount
  5. Click “Confirmed”
  6. Review transaction details page will appear
  7. Then press “Confirm”
  8. Enter your M-Pin

Steps to pay your bills click here

  1. Press “Payment tab” from Homepage
  2. Choose the Bill category (Telecom, Charity,…)
  3. Choose Biller type (Vodafone,….)
  4. Enter required amount or press “Recharge Amount”
  5. Click Confirm
  6. Review transaction page will appear
  7. Press “ Confirm”
  8. Enter Your M-Pin

Open an account, and issue a Certificate of deposit with minimum amount of EGP 1000

  •  This offer is applicable to all new customers upon opening account and issuing  a certificate of deposit or  a time deposit
  • This offer applies to existing customers, in case of a  certificate of deposit or a  time deposit issuance

Apply Now

Apply for a housing finance loan, and get a chance to win EGP 1,000,000 or EGP 100,000.

  • This offer is valid for all housing finance programs
  • This offer applies to any housing finance loan booked during the campaign duration,  and no later than 31 January, 2023
  • Apply for the offer at your nearest branch

Apply for a loan or credit card, and get chances to win EGP 1,000,000 or EGP 100,000.

  • This offer applies only to applications submitted during the campaign duration, provided that the booking loan or taking the service advantage by 31 January, 2023
  • This offer applies to all new booked loans under any program & new credit cards (primary & supplementary) for existing & new customers
  • Apply for the offer at your nearest branch