Financial Information Availability of Algerian Banks
Availability and timeliness of financial statements and annual activity reports published on official banking websites.
An ABIX Analysis – Algeria Banking Index
20 scored institutions • 1 not scored institution
Why this analysis?
The availability of financial information represents an important dimension in observing a banking institution.
Beyond analyzing financial performance, ABIX also examines how institutions make their financial statements and activity reports accessible to the general public.
This analysis provides an overview of their availability and level of timeliness on the official websites of the surveyed banks.
Analysis carried out within the framework of ABIX – Algeria Banking Index, with the contribution of Mr. Sekak Rachid.
Methodology
A standardized assessment measuring the public accessibility of two benchmark documents on official websites.
Publication of financial statements on website
Maximum score: 3 pointsEvaluation of the availability and timeliness of financial statements published on the institution's official website.
Publication of activity report on website
Maximum score: 3 pointsEvaluation of the availability and timeliness of the annual activity report accessible on the institution's official website.
Overall score
Financial Statements + Activity Report = score out of 6
The score aims to measure the digital availability of the observed information, and not the intrinsic quality of the published content.
How to interpret these results?
This analysis focuses exclusively on information identified on the official websites of the institutions during the review conducted by ABIX. The absence of an identified document on a website does not necessarily mean that it has not been produced, submitted to competent authorities, or distributed through other channels. The score measures the online availability and timeliness of accessible information. It constitutes neither an assessment of the intrinsic quality of accounts, nor an evaluation of regulatory compliance, governance, or financial strength.
State of play at the time of analysis
The results reflect the information identified on the official websites of the institutions at the time of analysis. As banking websites are subject to evolution, results may be updated when an institution provides new documents or brings to our attention information that was not identified during the review.
Summary Statistics
Key indicators derived from the observation of the 20 scored banking institutions.
2.7 / 6
Average score of scored institutions
3.0 / 6
Median of scored institutions
3
Institutions with maximum score (6/6)
9
Institutions with no document identified in both dimensions (0/6)
For these 9 institutions, no document corresponding to the two surveyed dimensions was identified on the official website as part of the analysis.
2025 Results
Observed level of availability for scored institutions according to their overall digital availability score.
Institutions with identical scores reflect the same observed level of availability and are presented equally without artificial qualitative ranking.
Crédit Populaire d’Algérie
Banque de Développement Local
Al Salam Bank Algeria
Banque Extérieure d’Algérie
Société Générale Algérie
BNP Paribas El Djazaïr
Fransabank El Djazaïr
Al Baraka Bank Algeria
Arab Banking Corporation Algeria (ABC)
Banque Nationale d’Algérie
Trust Bank Algeria
Banque de l’Agriculture et du Développement Rural
CNEP-Banque
Banque Nationale de l’Habitat
Natixis Algérie
Gulf Bank Algérie
Arab Bank
Citibank Algeria
HSBC Algeria
Housing Bank Algeria
Not Scored Institution
Ziraat Bankası Algeria
Not ScoredNot significant within the scope of the source analysis.
Score Distribution
Breakdown of the 20 scored institutions across the 6-point overall scoring scale.
Results by Institution
Breakdown of scores by dimension and recorded observations for all 21 analyzed institutions.
| Institution | Statements on site | Activity Report | Overall Score | Observation |
|---|---|---|---|---|
|
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3 / 3 | 3 / 3 | 6 / 6 | — |
|
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3 / 3 | 3 / 3 | 6 / 6 | — |
|
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3 / 3 | 3 / 3 | 6 / 6 | — |
|
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2.5 / 3 | 2.5 / 3 | 5 / 6 | Delay |
|
|
2.5 / 3 | 2.5 / 3 | 5 / 6 | Slight delay |
|
|
2.5 / 3 | 2.5 / 3 | 5 / 6 | Slight delay Download available |
|
|
2.5 / 3 | 2.5 / 3 | 5 / 6 | Slight delay |
|
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2.5 / 3 | 2.5 / 3 | 5 / 6 | Slight delay |
|
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2.5 / 3 | 2.5 / 3 | 5 / 6 | Slight delay |
|
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2 / 3 | 2 / 3 | 4 / 6 | Delay over 1 year |
|
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1 / 3 | 1 / 3 | 2 / 6 | Latest identified report: 2021 |
|
|
0 / 3 | 0 / 3 | 0 / 6 | — |
|
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0 / 3 | 0 / 3 | 0 / 6 | — |
|
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0 / 3 | 0 / 3 | 0 / 6 | — |
|
|
0 / 3 | 0 / 3 | 0 / 6 | — |
|
|
0 / 3 | 0 / 3 | 0 / 6 | — |
|
|
0 / 3 | 0 / 3 | 0 / 6 | — |
|
|
0 / 3 | 0 / 3 | 0 / 6 | — |
|
|
0 / 3 | 0 / 3 | 0 / 6 | — |
|
|
0 / 3 | 0 / 3 | 0 / 6 | — |
|
|
— | — | Not Scored | Not significant within the scope of the source analysis. |
Information to complete or update?
ABIX aims to keep this overview as accurate and up to date as possible. Concerned institutions may notify us of any publication, update, or information that was not identified during our review.
What the results show
The results reveal heterogeneous practices regarding the availability of financial information on banking websites.
Several banks offer recent, easily accessible financial statements and activity reports, whereas for other institutions, the identified information is older, partial, or was not found during the review.
This overview highlights the value of integrating published information availability into the new observation dimensions of the Algerian banking sector.
ABIX expands its scope of analysis
ABIX – Algeria Banking Index is no longer limited solely to the analysis of financial performance.
The ecosystem is evolving towards a broader perspective on the Algerian banking sector, progressively integrating new dimensions of analysis, notably the availability of published information and customer experience.
This new overview constitutes one of the dimensions that will enrich the 2026 edition.
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