An Analytical Study Of The Reality Of Bancassurance In Algeria
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Date
2025-03-01
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جامعة الوادي University of Eloued
Abstract
This study aims to highlight the role of banks in distributing insurance products through
bancassurance agreements, which represent one of the most important distribution channels
offered by Algerian banks. These agreements can generate additional income for both
banks and insurance companies while promoting the sector in Algeria. The study also seeks
to shed light on the reality of bancassurance practices in Algeria by identifying the factors
that contribute to the success of this activity and the challenges it faces. The study adopted
a descriptive approach by addressing the theoretical concepts related to bancassurance and
an analytical approach by examining the figures and statistics of this branch of insurance
during the period 2012–2022. The findings reveal that bancassurance in Algeria has
achieved significant progress during the study period. However, it still faces several
shortcomings, including legislative gaps, the limited range of products offered, and the lack
of an insurance culture within Algerian society.
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Keywords
Insurance, Bancassurance, Banks, Insurance Companies, Commission
Citation
Bali ,Hamza. Bali, Mossab . An Analytical Study Of The Reality Of Bancassurance In Algeria. Journal of Economics and Sustainable Development . Vol. 08. N. 01. 01 march 2025. faculty of economie commercial and management sciences. university of el oued .