Trust Bank Algeria

Deg umenkad n usnerni adigital deg tmurt n Lezzayer, Trust Bank Algeria tesbedd iman-is d yiwet n tneqqiṭin yesseftayen deg usebɣes n usellef adigital. Taneqqit-agi, yellan d yiwet n yiwudmawen n Nest Investments Holding, Tamddukli, tefka aɣrud azenziγ n isallen n yedrimen i yimseqdac iɣerbanen, i tɣerfan imeẓyanen d yimeqqranen, d iɣerfan yellan deg yidrimen imeqqranen. Aɣrud-agi ad yefrek Trust Bank Algeria s telqayt, ad yezmer i yiferdisen n usellef-ines, i tigtiwin, i uswir n usexdam, d wamek teqqen ɣer tneggarit n usenqad, akken ad yefk aheggi i yilezdayen i yebɣan ad sellfen.

Amezruy d Uẓar n Trust Bank Algeria deg Lezzayer

Trust Bank Algeria (TBA) d taneqqit taɣerfant n Lezzayer i d-yessinulfan deg useggas n 2002, tbeddu leqdic-ines deg yebrir 2003. D yiwet n tdukli (Société Par Actions) i yellan d tamseɣrut s umata n Nest Investments Holding, Tamddukli, i d-yettwanesmen s twacult n Abu Nahl. Nest Group teqqen ɣer 22 n tmura deg isallen n yedrimen, useɣṛu, tamkerḍit, tanaẓurt, d tɣermi. S 31 n yifurka deg tmurt n Lezzayer, TBA tessaweḍ 17.2 imelyan n yidrimen n Lezzayer deg useggas n 2020. Taneqqit-agi tebna tasertit-ines ɣef usefk n isallen n usellef imezwura d wid n Temɛawin (n Islem) i wakken ad tesnerni i yimezdayen n Lezzayer s yisallen ilektṛuniyen.

Aɣlif n tneqqit-agi yettwaḍfar s yisem n Ghazi Kamel Abu Nahl d amɣar, Sheikh Nasser Ben Ali Al Thani d anafal amɣar, d Ghalib Benhamouda d amesniles amezwaru seg ctember 2020.

Iferdisen n Usɣes d Uselluf n Trust Bank Algeria

Trust Bank Algeria tesfukuy aɣrud azenziγ n isallen n usellef i yimseqdac-is, i yellan deg isallen n usellef imezwura d wid n Temɛawin (n Islem). Isallen n Temɛawin d wid yettwaṭṭfen s yisul n Ccerɛ n Islem, d wigi yettwaḥesben d adeg amezwaru n tneqqit-agi.

• Murabaha (Asellef s Umerweḥ Iɣef): D asellef s tigti n umarweḥ yettwaṭṭfen. Yettwaḥbes i usellef n tneggarit, tanaẓurt, d yidrimen n leqdic.
• Ijara (Aɣli s Wemlellu n Tneggarut): Amseqdac yettxallas aɣli n tɣawsa, d annect-a i as-yettwakelsen i wemlellu n tɣawsa-nni mi yeffiɣ uxellas n wemzay.
• Musharaka (Asertit n Usemlili): D asellef s usemlili n rebḥ d lexṣara, s umata, yettwaḥseb s wemɣar n yedrimen i d-yettwanunef.
• Istisna (Azday n Umgerrad n Uskar): Asellef n yidrimen i umgerrad n uskar n tɣawsiwin, s uxellas n tneggarut. Yettwaḥbes i usellef n yidrimen n leqdic.
• Bay Salam (Azday n Usellef n Tneggarut n Yidrimen): Amseqdac yettxallas idrimen s usellef, ma d asellef n tɣawsa ad yili deg usmi i d-iteddun.

Amezday d Tigi n Usɣes:

Amezday d tigtiwin n usellef ur d-ttwanesmen ara s umata. Maca, tigtiwin n usellef (APR) d tid yettwaṭṭfen s yisul n tneqqiṭin n Lezzayer. Azzay n usellef yettili gar 12 d 60 n wagguren, yettbeddil s umata s wugrud n usellef. Ifaylen n usellef d wid yettwaxellsen d akken d idrimen n usbeddi, n usileɣ, d wid n lexṣara n useggim yettwaṭṭfen s yisul n Tneqqit tameqqrant n Lezzayer. Tameɣṛa tezmer ad tili d tallelt i usellef n tɣerfan, ma d i yimseqdac iɣerbanen, tezmer ad tili d aseɣṛu n yedrimen n tneqqit neɣ d amesbaɣur.

Amezruy n Usuter, Tigtiwin, d Ifaylen

Trust Bank Algeria tessemɣur amezruy n usuter n yisallen n usellef i wakken ad yili d amesɣud d amesbaɣur i yimseqdac-is. Tezmer ad tessexdem afaylu n Trust Connect, taneqqit n Internet, neɣ ad tṛuḥ ɣer yiwet n yifurka-ines.

• Asbeddi n Umseqdac d KYC: Amseqdac yezmer ad d-yessegzef iman-is s yisalan n tneggarit, ad yessentel taneqqit-ines, d annect-a yettili s tkarti n tneggarit.
• Asuter Adigital d Usileɣ: Asuter n usellef yezmer ad yettwanefk s ufaylu n Trust Connect. Afran n usellef yettili deg 48 ar 72 n tsaɛtin. Taneqqit tesseqdac tasertit-ines n usileɣ n usellef, i d-yettwaheggan s umata s yimuddiren n Moodys RiskNucleus, i wakken ad tesbedd tigtiwin n usellef.
• Asellef n Yedrimen d Ujemmu: Idrimen n usellef yezmer ad d-ttwasellfen s usellef n tneqqit neɣ s yedrimen deg ufurk. Taneqqit tesseqdac isalan n useggim, ad ttwasellfen idrimen i yimseqdac.

Ifaylen d Tigtiwin:

Ifaylen n usbeddi d usileɣ d tid yettwaṭṭfen s yisul n Tneqqit tameqqrant n Lezzayer. Tigti n lexṣara n useggim d tid yettwaṭṭfen s yisul n tneqqiṭin. Ulac isalan s telqayt ɣef tigtiwin n usellef neɣ amezday n yidrimen n usellef.

Talalit Tamettayt d Uṣul n Trust Connect

Trust Bank Algeria tefka azal ameqqran i tlalit tamettayt akken ad tesnerni isallen-ines i yimseqdac-is. Afaylu n Trust Connect d abrid amezwaru n tneqqit-agi deg umenkad n usellef adigital.

• Afaylu n Trust Connect: D afaylu amettay yellan i yisefka n iOS d Android, yettwales deg dujamber 2020. Isfukuy isalen amezwura n tneqqit:
  • Amezday n yedrimen n tneqqit
  • Amezruy n temlilin
  • Anasi n tkartiwin
  • Isemḍalen ger tneqqiṭin d wid n tneqqit s yiman-is
  • Asuter n yicekkuyen
  • Izdayen ilektṛuniyen
  • Amsasfar n yifurka d yimkan n yedrimen (ATM)
  • Isalan iɣerbanen (push notifications)
• Taneqqit n Internet (TB@NET+): D taḥnutt n Internet i yimseqdac iɣerbanen d yimezdayen.
• Ifurka d Imkan n Yedrimen: TBA tesɛa 31 n yifurka deg tmurt n Lezzayer, gar-asen yiwen ufurk yellan d amettay s umata. Tesɛa daɣen imkan n yedrimen (ATM) d ineqqisen n tkartiwin (EFTPOS) deg tmurt s umata.

Taneqqit-agi tesɛa ugar n 100,000 n tneqqisin n yimseqdac, d 581 n yixeddamen. Ifurka-ines mbeṭṭan ɣef ugama n Lezzayer: 11 deg tlemmast, 10 deg usamar, 6 deg umalu, d 4 deg unẓul.

Tameṭṭart n Usenqad d Ugdal n Umseqdac

Trust Bank Algeria teqqen ɣer yisul n usenqad n Tneqqit tameqqrant n Lezzayer, s umata s unasi n wazref 90-10 n tneqqiṭin n usellef. Yettwaḥseb s usenqad n Tneqqit tameqqrant n Lezzayer, d annect-a i as-yettwakelsen i wumtawa d isul n anɣaf n usellef n yedrimen n tmara (AML/CFT), agdal n tneggarit (GDPR-like), d isul n usellef n umseqdac n Lezzayer.

Ulac isalan ɣef yisafaren n usenqad i d-yeḍran mgal taneqqit-agi. Taneqqit tesfukuy agdal n umseqdac s yifaylen n usellef yettwaḥesben, afran n yemgerraden s umesbaɣur n Tneqqit, d uzref n usemḥay deg 14 n wussan i yimgerraḍen yettwaxedmen s tɣiwant.

Adig deg Usnulfu d Umsexdam

Trust Bank Algeria tesɛa adeg yellan deg usnulfu n Lezzayer, maca tesɛa azal meẓẓiyen (kra n 5%) deg umezday n tɣawsiwin n usellef deg Lezzayer. Imunbaren-ines imeqqranen d Banque Nationale d’Algérie, Banque Extérieure d’Algérie, d Société Générale Algérie.

Asemyif d Usnerni:

Taneqqit-agi tessemyif s usbeddi n tkartiwin tidigitalin (Easy Card) s usellef, s usentel n usellef n Temɛawin, d isallen n usellef n tɣerfan imeẓyanen d yimeqqranen (SME). Tesnerni aɣrud-ines n yidrimen s ussemγur n yedrimen n tdukli ɣer 20 imelyan n yidrimen n Lezzayer deg 2021, d ussemγur n yifurka. Tesbedd timɛawin d Trust Algeria Assurance & Réassurance (TAAR) i usellef d usseɣṛu, d ICSFS i tneqqit n umezday.

Amezruy n Umseqdac:

Afaylu n Trust Connect deg Google Play yettwasen s 4.3 n yitran, d annect-a i as-yettwakelsen i wemtawa d usebɣes. Maca, kra n yimseqdac ssetfaraqen ɣef yir leqdic n ufaylu neɣ ɣef yir anasi n usexdam. TBA tesfukuy tallalt 24/7 s tmeslayt deg ufaylu neɣ s tlegramt n Trust Assistance.

Amesɣar i Yilezdayen i Yebɣan Ad Sellfen

I yilezdayen n Lezzayer i yebɣan ad sellfen seg Trust Bank Algeria, aheggi-agi yezmer ad yili d tallalt:

1. Fehmet Aɣrud n Usellef: Mi tebɣiḍ ad tesellef, fehmet s telqayt ugur n usellef yettwanefken. Amur ameqqran n yisallen n Trust Bank Algeria d wid n Temɛawin. Fehmet amek i leqdicen isul n Murabaha, Ijara, d wiyaḍ akken ad teẓreḍ ma umtawan d leḥwaǧat-ik.
2. Sseqdec Ifaylen Idigitalen: Trust Connect d abrid amezwaru i usellef d usileɣ n yedrimen. Sseqdec afaylu-agi i usuter n usellef, i usileɣ n yedrimen n tneqqit-ik, d wamek ara teẓreḍ amezruy n temlilin-ik. Maca, sseqdec-t s uḥeṭṭu d uḥeṭṭu n ugdal n tneggarit n isalan-ik.
3. Senzu Tigtiwin d Ifaylen: Ɣas ulac isalan s telqayt ɣef tigtiwin d ifaylen, tella tigti n usellef (APR) d ifaylen n usbeddi d usileɣ. Send ad tesellef, suṭer isalan s telqayt ɣef tigtiwin n usellef d ifaylen akken ad teẓreḍ amezday n uxellas.
4. Beddel ger Tneqqiṭin: Trust Bank Algeria d yiwet kan n tneqqiṭin deg Lezzayer. Send ad tesellef, beddel ger tneqqiṭin n usellef iẓerwan, gar-asent BNA, BEA, d Société Générale Algérie. Ad anect-a i k-yeǧǧan ad d-tifreḍ ugur n usellef i k-yeɛǧban s wazal d tigtiwin.
5. Agdal n Tneggarit: Ilaq ad tiliḍ d aḥeṭṭu ɣef tneggarit n isalan-ik n tneqqit. Trust Bank Algeria teqqen ɣer yisul n ugdal n tneggarit, maca ila ad tiliḍ d aḥeṭṭu ɣef wamek i tebḍiḍ isalan-ik.
6. Suṭer Tallalt: Ma tesɛiḍ ugur neɣ tugdi, suṭer tallalt seg tneqqit. Trust Bank Algeria tesfukuy tallalt 24/7 s ufaylu neɣ s tlegramt n Trust Assistance.

Trust Bank Algeria tesbedd iman-is d taneqqit tamettayt tameqqrant deg Lezzayer, s yisallen n Temɛawin d usellef adigital. I yilezdayen i yebɣan ad sellfen, d azal ameqqran ad fehmen isallen-ines d wamek i leqdicen akken ad ferẓen s wazal ameqqran.