{"id":21586,"date":"2026-09-09T18:13:50","date_gmt":"2026-09-09T17:13:50","guid":{"rendered":"https:\/\/gam.dz\/?p=21586"},"modified":"2026-09-09T18:45:58","modified_gmt":"2026-09-09T17:45:58","slug":"bancassurance-et-takaful-en-algerie-etat-des-lieux-et-perspectives-de-developpement","status":"publish","type":"post","link":"https:\/\/gam.dz\/ar\/bancassurance-et-takaful-en-algerie-etat-des-lieux-et-perspectives-de-developpement\/","title":{"rendered":"Bancassurance et Takaful en Alg\u00e9rie : \u00e9tat des lieux et perspectives de d\u00e9veloppement"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><em>Avec 8 milliards de DA de chiffre d&#8217;affaires en 2023 et une croissance de 43,7 % sur cinq ans, la bancassurance progresse en Alg\u00e9rie \u2014 mais son potentiel reste largement sous-exploit\u00e9. Quels freins lever ? Quel r\u00f4le pour le Takaful ? M. Hadj Mahammed Ahmed, Vice-Pr\u00e9sident Ex\u00e9cutif de GAM Assurances, livre son analyse.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u25a0&nbsp; Cadre l\u00e9gislatif et \u00e9tat actuel de la bancassurance en Alg\u00e9rie<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Institu\u00e9e par la Loi n\u00b006-04 du 20 f\u00e9vrier 2006 et le D\u00e9cret Ex\u00e9cutif n\u00b007-153, la bancassurance en Alg\u00e9rie couvre principalement les assurances de personnes (accidents, maladie, vie-d\u00e9c\u00e8s), l&#8217;assurance-cr\u00e9dit et les risques habitation simples. En 2023, son chiffre d&#8217;affaires atteint 8 078 millions DA, compos\u00e9 \u00e0 92,4 % d&#8217;assurances de personnes, avec une croissance de 43,7 % sur cinq ans (2019-2023).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Malgr\u00e9 cette progression, la part des assurances dommages reste marginale : seulement trois compagnies dommages pratiquent la bancassurance \u2014 deux publiques et une \u00e0 capitaux \u00e9trangers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u25a0&nbsp; Les freins au d\u00e9veloppement de la bancassurance dommages<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Si la bancassurance vie progresse de fa\u00e7on encourageante, le segment dommages reste structurellement bloqu\u00e9 par plusieurs obstacles qui freinent son essor. En identifier les causes est la premi\u00e8re \u00e9tape pour y rem\u00e9dier.<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Une gamme r\u00e9duite de produits dommages admis par la r\u00e9glementation.<\/li>\n\n\n\n<li>La non-association des assureurs priv\u00e9s nationaux au processus de bancassurance.<\/li>\n\n\n\n<li>Des commissions de distribution peu incitatives pour les banques.<\/li>\n\n\n\n<li>Un r\u00e9seau bancaire insuffisamment dense : environ une agence pour 26 690 habitants en 2023, contre une pour 8 000 \u00e0 l&#8217;\u00e9chelle mondiale.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u25a0&nbsp; Le Takaful comme levier de croissance pour la bancassurance<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;assurance Takaful peut devenir un levier puissant, \u00e0 condition d&#8217;int\u00e9grer des canaux bancaires conformes \u00e0 la finance islamique (banques participatives, fen\u00eatres islamiques). Sa proposition de valeur \u2014 conformit\u00e9 \u00e0 la Charia, solidarit\u00e9, transparence \u2014 peut attirer une large client\u00e8le bancaire sensible au caract\u00e8re charia\u00efque des produits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les conditions de succ\u00e8s incluent : une bonne synergie de distribution banque-assureur, une gamme adapt\u00e9e aux particuliers et PME, une politique tarifaire comp\u00e9titive et l&#8217;int\u00e9gration compl\u00e8te de la solution Takaful dans les syst\u00e8mes d&#8217;information partag\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u25a0&nbsp; Les r\u00e9formes n\u00e9cessaires pour lib\u00e9rer le potentiel<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Pour que la bancassurance dommages d\u00e9colle r\u00e9ellement en Alg\u00e9rie, des r\u00e9formes structurelles s&#8217;imposent \u2014 \u00e0 la fois r\u00e9glementaires, commerciales et technologiques. Voici les leviers prioritaires identifi\u00e9s par les acteurs du secteur.<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>R\u00e9viser \u00e0 la hausse les commissions de distribution pour motiver les r\u00e9seaux bancaires.<\/li>\n\n\n\n<li>Associer les assureurs priv\u00e9s nationaux aux op\u00e9rations de bancassurance des banques publiques.<\/li>\n\n\n\n<li>\u00c9largir la gamme de produits dommages autoris\u00e9s (multirisques particuliers, PME, micro-assurance).<\/li>\n\n\n\n<li>Encourager les alliances capitalistiques entre banques et assureurs.<\/li>\n\n\n\n<li>Acc\u00e9l\u00e9rer la digitalisation des r\u00e9seaux bancaires et la g\u00e9n\u00e9ralisation de la mon\u00e9tique.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u25a0&nbsp; Perspectives : un potentiel de croissance consid\u00e9rable<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les march\u00e9s potentiels \u2014 assurances de personnes, risques dommages des particuliers, PME\/TPE \u2014 restent largement vierges en Alg\u00e9rie. Le d\u00e9veloppement de la bancassurance, coupl\u00e9 \u00e0 l&#8217;essor du Takaful et \u00e0 la modernisation des r\u00e9seaux, pourrait donner un nouvel \u00e9lan d\u00e9cisif au secteur et contribuer \u00e0 une meilleure inclusion financi\u00e8re.<\/p>","protected":false},"excerpt":{"rendered":"<p>Avec 8 milliards de DA de chiffre d&#8217;affaires en 2023 et une croissance de 43,7 % sur cinq ans, la bancassurance progresse en Alg\u00e9rie \u2014 mais son potentiel reste largement sous-exploit\u00e9. Quels freins lever ? Quel r\u00f4le pour le Takaful ? M. Hadj Mahammed Ahmed, Vice-Pr\u00e9sident Ex\u00e9cutif de GAM Assurances, livre son analyse. \u25a0&nbsp; Cadre [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":21588,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[38],"tags":[],"class_list":["post-21586","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bancassurance et Takaful en Alg\u00e9rie : \u00e9tat des lieux et perspectives de d\u00e9veloppement - GAM Assurances<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gam.dz\/ar\/bancassurance-et-takaful-en-algerie-etat-des-lieux-et-perspectives-de-developpement\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bancassurance et Takaful en Alg\u00e9rie : \u00e9tat des lieux et perspectives de d\u00e9veloppement - GAM Assurances\" \/>\n<meta property=\"og:description\" content=\"Avec 8 milliards de DA de chiffre d&#8217;affaires en 2023 et une croissance de 43,7 % sur cinq ans, la bancassurance progresse en Alg\u00e9rie \u2014 mais son potentiel reste largement sous-exploit\u00e9. Quels freins lever ? Quel r\u00f4le pour le Takaful ? M. Hadj Mahammed Ahmed, Vice-Pr\u00e9sident Ex\u00e9cutif de GAM Assurances, livre son analyse. \u25a0&nbsp; Cadre [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gam.dz\/ar\/bancassurance-et-takaful-en-algerie-etat-des-lieux-et-perspectives-de-developpement\/\" \/>\n<meta property=\"og:site_name\" content=\"GAM Assurances\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/GAMassurancesofficiel\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-09T17:13:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-09T17:45:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/gam.dz\/wp-content\/uploads\/Digital-Cover-Le-contro\u0302le-interne-with-Dark-Green-Background.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"788\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Abderrahmane HADJI\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@gam_assurances\" \/>\n<meta name=\"twitter:site\" content=\"@gam_assurances\" \/>\n<meta name=\"twitter:label1\" content=\"\u0643\u064f\u062a\u0628 \u0628\u0648\u0627\u0633\u0637\u0629\" \/>\n\t<meta name=\"twitter:data1\" content=\"Abderrahmane HADJI\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u0648\u0642\u062a \u0627\u0644\u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0645\u064f\u0642\u062f\u0651\u0631\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 \u062f\u0642\u0627\u0626\u0642\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/gam.dz\/bancassurance-et-takaful-en-algerie-etat-des-lieux-et-perspectives-de-developpement\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/gam.dz\/bancassurance-et-takaful-en-algerie-etat-des-lieux-et-perspectives-de-developpement\/\"},\"author\":{\"name\":\"Abderrahmane HADJI\",\"@id\":\"https:\/\/bloom-communication.dz\/GAM\/#\/schema\/person\/b2853d26e1f71276826e0bc29b39a834\"},\"headline\":\"Bancassurance et Takaful en Alg\u00e9rie : \u00e9tat des lieux et perspectives de d\u00e9veloppement\",\"datePublished\":\"2026-09-09T17:13:50+00:00\",\"dateModified\":\"2026-09-09T17:45:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/gam.dz\/bancassurance-et-takaful-en-algerie-etat-des-lieux-et-perspectives-de-developpement\/\"},\"wordCount\":533,\"publisher\":{\"@id\":\"https:\/\/bloom-communication.dz\/GAM\/#organization\"},\"image\":{\"@id\":\"https:\/\/gam.dz\/bancassurance-et-takaful-en-algerie-etat-des-lieux-et-perspectives-de-developpement\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/gam.dz\/wp-content\/uploads\/Digital-Cover-Le-contro\u0302le-interne-with-Dark-Green-Background.jpg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"ar\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/gam.dz\/bancassurance-et-takaful-en-algerie-etat-des-lieux-et-perspectives-de-developpement\/\",\"url\":\"https:\/\/gam.dz\/bancassurance-et-takaful-en-algerie-etat-des-lieux-et-perspectives-de-developpement\/\",\"name\":\"Bancassurance et Takaful en Alg\u00e9rie : \u00e9tat des lieux et perspectives de d\u00e9veloppement - 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