Expert panel — laws 90-10, 03-11, 22-15.
Summary Key points Algeria banking network major institutional financial sector. Law 90-10 monetary + credit (1990) + ordinance 03-11 Bank of Algeria + law 22-15 Islamic finance (2022). 6 public banks (BNA, CPA, BEA, BADR, CNEP, BDL) + ~14 private/foreign + Al Baraka + Al Salam Islamic + Algeria Poste financial windows. ~2500 agencies total. 60k personnel. HQ 20-60k m². Cost 200-400k DA/m². 4000 ATMs. Perspectives 2030: digital banking + Islamic finance 15-20% + inclusion 80%.Key Points Law 90-10 (1990) Ordinance 03-11 Law 22-15 Islamic 6 public banks 14 private/foreign Al Baraka + Al Salam Islamic ~2500 agencies ~60k personnel HQ 20-60k m² Agencies 200-1000m² 200-400k DA/m² 4000 ATMs (target 10k) 2030 digital + Islamic 15-20%
1. Framework + actors
Laws + banks.
Methodology: official sources.
2. Norms + digital
Security + digital.
3. Cases + FAQ
8 cases + 22 FAQ.
FAQ
Law? Public banks? Private? Agencies? Personnel? Cost? ATMs? 2030? Bilan?
Official sources & methodology Law 90-10 Bank of Algeria ABEF DZ-Immobilier corpus About the expert panel Karim Herfi — Karim Herfi coordinates the DZ-Immobilier expert panel.
Estimate banking project