{"id":86683,"date":"2026-04-28T20:44:16","date_gmt":"2026-04-28T19:44:16","guid":{"rendered":"https:\/\/lasentinelle.dz\/?p=86683"},"modified":"2026-04-28T20:44:18","modified_gmt":"2026-04-28T19:44:18","slug":"la-banque-dalgerie-ordonne-lapplication-des-normes-kyc-les-banques-consolident-larsenal-anti-fraude","status":"publish","type":"post","link":"https:\/\/lasentinelle.dz\/index.php\/2026\/04\/28\/la-banque-dalgerie-ordonne-lapplication-des-normes-kyc-les-banques-consolident-larsenal-anti-fraude\/","title":{"rendered":"La Banque d\u2019Alg\u00e9rie ordonne l\u2019application des normes KYC\u00a0: Les banques consolident l\u2019arsenal anti-fraude"},"content":{"rendered":"\n

D’ici une semaine, chaque banque op\u00e9rant sur le territoire alg\u00e9rien recevra une instruction formelle de la Banque d’Alg\u00e9rie : appliquer les normes KYC \u2014 Know Your Customer<\/em>, ou \u00ab Connaissez votre client \u00bb \u2014 sans exception ni d\u00e9rogation.  Mohamed Lamine Lebbou, gouverneur de la Banque d’Alg\u00e9rie, en a fait l’annonce mardi \u00e0 Alger, en marge de la deuxi\u00e8me \u00e9dition du \u00ab CEO Survey \u00bb, organis\u00e9e par le cabinet PwC au Centre international de conf\u00e9rences Abdelatif-Rahal, en pr\u00e9sence de membres du gouvernement, de dirigeants d’entreprises et d’experts \u00e9conomiques.<\/p>\n\n\n\n

La mesure n’est pas anodine. Elle s’inscrit dans un effort plus large de mise \u00e0 niveau du syst\u00e8me bancaire national face aux mutations que connaissent les modes de financement, \u00e0 l’heure o\u00f9 la masse mon\u00e9taire circulant en dehors des circuits formels demeure une variable que les autorit\u00e9s peinent \u00e0 ma\u00eetriser. Lebbou a \u00e9t\u00e9 clair sur la port\u00e9e de la directive : \u00ab Elle sera contraignante pour l’ensemble des banques \u00bb, a-t-il affirm\u00e9, tout en pr\u00e9cisant qu’elle tiendra compte des particularit\u00e9s de chaque op\u00e9rateur \u00e9conomique. Concr\u00e8tement, un client pourra, sur la base d’une simple d\u00e9claration, r\u00e9v\u00e9ler ses revenus pr\u00e9visionnels et leur utilisation \u00ab sans se heurter \u00e0 des obstacles \u00bb.<\/p>\n\n\n\n

Ce point m\u00e9rite qu’on s’y attarde. Car l’un des reproches traditionnellement adress\u00e9s aux banques alg\u00e9riennes, c’est pr\u00e9cis\u00e9ment l’effet repoussoir de leurs proc\u00e9dures : formulaires redondants, exigences documentaires kafka\u00efennes, d\u00e9lais interminables. La nouvelle instruction semble vouloir corriger ce biais, sans pour autant rel\u00e2cher la vigilance sur les flux suspects. Lebbou a rappel\u00e9 que les r\u00e8gles relatives \u00e0 la lutte contre le blanchiment d’argent et le financement du terrorisme demeurent non n\u00e9gociables. Dans ce cadre, il a salu\u00e9 les efforts d’Alg\u00e9rie Poste pour moderniser ses fichiers KYC, un chantier que l\u2019\u00e9tablissement financier conduit depuis plusieurs mois pour mettre en conformit\u00e9 ses millions de comptes clients.<\/p>\n\n\n\n

Le dispositif KYC est un standard international que les banques et institutions financi\u00e8res appliquent pour v\u00e9rifier et confirmer l’identit\u00e9 de leurs clients, avec pour objectif de garantir la transparence des transactions et de limiter les op\u00e9rations frauduleuses ou suspectes. En Alg\u00e9rie, son application a longtemps souffert d’une mise en \u0153uvre partielle et in\u00e9gale selon les \u00e9tablissements. L’instruction \u00e0 venir vise \u00e0 uniformiser la pratique et \u00e0 renforcer la s\u00e9curit\u00e9 de l’ensemble du syst\u00e8me bancaire.<\/p>\n\n\n\n

Au-del\u00e0 du KYC, Lebbou a abord\u00e9 plusieurs dossiers structurants de la politique mon\u00e9taire. Sur l’inclusion financi\u00e8re, il a insist\u00e9 sur un point que les \u00e9conomistes r\u00e9p\u00e8tent depuis des ann\u00e9es : int\u00e9grer les acteurs informels dans le syst\u00e8me bancaire ne se d\u00e9cr\u00e8te pas, cela se construit, en tenant compte de la r\u00e9alit\u00e9 des activit\u00e9s \u00e9conomiques et de leur environnement. La num\u00e9risation, selon le gouverneur, est ici un levier d\u00e9cisif pour attirer vers les canaux officiels une partie de la liquidit\u00e9 qui circule encore en dehors d’eux.<\/p>\n\n\n\n

Sur le front de la concurrence, la loi mon\u00e9taire et bancaire a ouvert la porte \u00e0 de nouveaux entrants : banques num\u00e9riques et prestataires de services de paiement. Des dossiers sont actuellement en cours d’examen aupr\u00e8s de la Banque centrale. Lebbou n’a pas pr\u00e9cis\u00e9 de calendrier, mais l’\u00e9vocation de ces candidatures confirme que le secteur bancaire alg\u00e9rien est en train de changer de physionomie, lentement mais r\u00e9ellement.<\/p>\n\n\n\n

Quant \u00e0 l’inflation, le gouverneur a choisi de relativiser. Certes, la ma\u00eetrise des prix reste une priorit\u00e9, mais il a tenu \u00e0 souligner que l’Alg\u00e9rie affiche des taux d’inflation inf\u00e9rieurs \u00e0 ceux de plusieurs pays europ\u00e9ens \u2014 un argument qui a ses limites, mais qui dit quelque chose sur la trajectoire r\u00e9cente de l’\u00e9conomie nationale. La baisse du taux directeur, a-t-il pr\u00e9cis\u00e9, vise \u00e0 soutenir les banques commerciales, \u00e0 rendre l’investissement plus attractif et \u00e0 garantir les op\u00e9rations de refinancement. En parall\u00e8le, une politique de change prudente est maintenue, orient\u00e9e vers la rationalisation des ressources et leur fl\u00e9chage vers les secteurs strat\u00e9giques.<\/p>\n\n\n\n

Publication des textes encadrant l’activit\u00e9 des guichets uniques d’ici une semaine<\/strong><\/p>\n\n\n\n

La m\u00eame journ\u00e9e, Omar Rekkache, directeur g\u00e9n\u00e9ral de l’Agence alg\u00e9rienne de promotion de l’investissement (AAPI), annon\u00e7ait de son c\u00f4t\u00e9 la publication imminente \u2014 \u00ab d’ici une semaine \u00bb \u00e9galement \u2014 des nouveaux textes r\u00e9glementaires encadrant les guichets uniques de l’agence. \u00c9labor\u00e9s en concertation avec le Conseil du renouveau \u00e9conomique alg\u00e9rien (CREA), ces textes ont re\u00e7u l’aval du gouvernement. Rekkache a qualifi\u00e9 cette publication d’\u00ab \u00e9tape importante dans le processus d’am\u00e9lioration du climat des affaires \u00bb, avec l’ambition de faire des guichets uniques \u00ab une v\u00e9ritable interface au service des investisseurs \u00bb \u2014 formule consacr\u00e9e, mais qui prend un sens particulier \u00e0 l’heure o\u00f9 la simplification administrative est devenue une condition explicite pour attirer les capitaux \u00e9trangers. Une journ\u00e9e d’information sera prochainement organis\u00e9e pour d\u00e9tailler le dispositif.<\/p>\n\n\n\n

Deux annonces, un m\u00eame calendrier, un m\u00eame lieu : la convergence n’est sans doute pas fortuite. Le message que les autorit\u00e9s alg\u00e9riennes ont voulu envoyer lors de ce CEO Survey est celui d’un \u00c9tat qui avance sur plusieurs fronts \u00e0 la fois \u2014 r\u00e9gulation bancaire, inclusion financi\u00e8re, attractivit\u00e9 pour l’investissement.<\/p>\n\n\n\n

Amar Malki<\/p>\n","protected":false},"excerpt":{"rendered":"

D’ici une semaine, chaque banque op\u00e9rant sur le territoire alg\u00e9rien recevra une instruction formelle de la Banque d’Alg\u00e9rie : appliquer<\/p>\n","protected":false},"author":6,"featured_media":54327,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":"","_wpscppro_dont_share_socialmedia":false,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[52,29],"tags":[],"class_list":["post-86683","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-economie"],"aioseo_notices":[],"yoast_head":"\nLa 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