La banque islamique Al Salam Algérie étend ses services aux particuliers

Après une première agence dédiée aux entreprises, la banque ouvre une agence “particuliers”

La création de la banque Al Salam Algérie est le fruit d’une coopération émiratie et algérienne. La banque a été constituée avec un capital souscrit et libéré de 7.2 milliards de dinars algériens, soit 100 millions de dollars américains; en vue d’offrir des services bancaires islamiques adaptés, allant de pair avec le rythme du développement en Algérie, mais aussi en vue de faire face aux futurs défis sur les marchés local, régional et international. 

La banque islamique Al-Salam se donne comme objectif de devenir leader sur le marché algérien, à travers des services bancaires novateurs assurant une performance de qualité supérieure et des taux de revenus maximaux pour les clients et les actionnaires. La banque opère selon une stratégie qui concilie les exigences du développement économique dans les services vitaux en Algérie, avec le respect des principes et valeurs islamiques enracinés. 

La liste des fondateurs de la banque comprend un nombre de personalités et d’institutions financières éminentes, à savoir : Emaar Real Estate Company and Amlak Financing Company, Dubai Islamic Insurance Company, Amane, La banque Al-Salam (Bahreïn), La banque Al-Salam (Soudan), Leader Capital Company, Zoaibel Investment, Al-Batin Investment, International Investment Group. 

Le siège social, situé à Dely Brahim, abrite la première agence de la banque qui est réservée aux grands investisseurs. Une deuxième agence dédiée aux particuliers vient d’ouvrir à Bab Ezzouar. Le réseau devrait connaîtra un développement durable dans les années à venir. 

Les services proposés par la banque Al Salam s’adressent aussi bien aux particuliers qu’aux entreprises. Al-Salam Bank offre une large variété de services : comptes d’épargne, financement immobilier (financement de l’immobilier en vue de l’acquisition d’un logement neuf, rénové ou de la construction ou de l’aménagement d’un bien), financement auto, financement de la consommation, dépôts participatifs, certificats d’investissement, coffres de sûreté, services bancaires par téléphone, via Internet, via SMS et via le bureau de contact clientèle.   

Les financements sous forme de mourabaha ou Idjar sont accordés pour une durée allant jusqu’à 20 ans à hauteur de 80% du coût d’acquisition.

 

Banque Al Salam Algérie  

• Siège social & Agence Dely Brahim (Entreprises) : 233 rue Ahmed Ouaked Dely Brahim, Alger – Tél. : +213 21 37 27 17
• Agence Bab Ezzouar : Lotissement Boushaki F n° 186 Bab Ezzouar Alger, Tél. : +213 21 24 00 25 

Most big U.S. banks are totally “bankrupt”

Jim Rogers

Jim Rogers, one of the world’s most prominent international investors, called most of the largest U.S. banks “totally bankrupt,” and said government efforts to fix the sector are wrongheaded. Speaking by teleconference at the Reuters Investment Outlook 2009 Summit, the co-founder with George Soros of the Quantum Fund, said the government’s $700 billion rescue package for the sector doesn’t address how banks manage their balance sheets, and instead rewards weaker lenders with new capital.

Dozens of banks have won infusions from the Troubled Asset Relief Program created in early October, just after the Sept 15 bankruptcy filing by Lehman Brothers Holdings Inc. Some of the funds are being used for acquisitions. “Without giving specific names, most of the significant American banks, the larger banks, are bankrupt, totally bankrupt,” said Rogers, who is now a private investor.

“What is outrageous economically and is outrageous morally is that normally in times like this, people who are competent and who saw it coming and who kept their powder dry go and take over the assets from the incompetent,” he said. “What’s happening this time is that the government is taking the assets from the competent people and giving them to the incompetent people and saying, now you can compete with the competent people. It is horrible economics.”

Rogers said he shorted shares of Fannie Mae and Freddie Mac before the government nationalized the mortgage financiers in September, a week before Lehman failed. Now a specialist in commodities, Rogers said he has used the recent rally in the U.S. dollar as an opportunity to exit dollar-denominated assets.

While not saying how long the U.S. economic recession will last, he said conditions could ultimately mirror those of Japan in the 1990s. “The way things are going, we’re going to have a lost decade too, just like the 1970s,” he said. Goldman Sachs & Co analysts this week estimated that banks worldwide have suffered $850 billion of credit-related losses and writedowns since the global credit crisis began last year.

But Rogers said sound U.S. lenders remain. He said these could include banks that don’t make or hold subprime mortgages, or which have high ratios of deposits to equity, “all the classic old ratios that most banks in America forgot or started ignoring because they were too old-fashioned.”

Many analysts cite Lehman’s Sept 15 bankruptcy as a trigger for the recent cratering in the economy and stock markets. Rogers called that idea “laughable,” noting that banks have been failing for hundreds of years. And yet, he said policymakers aren’t doing enough to prevent another Lehman.

“Governments are making mistakes,” he said. “They’re saying to all the banks, you don’t have to tell us your situation. You can continue to use your balance sheet that is phony…. All these guys are bankrupt, they’re still worrying about their bonuses, they’re still trying to pay their dividends, and the whole system is weakened.”

Rogers said is investing in growth areas in China and Taiwan, in such areas as water treatment and agriculture, and recently bought positions in energy and agriculture indexes.

Reuters – New York, by Jonathan Stempel, Dec 11, 2008