مجلة نماء للإقتصاد والتجارة
Volume 10, Numéro 1, Pages 19-33
2026-06-30

Between Regulation And Market Performance: The Development Of Islamic Banking At The Banque Extérieure D’algérie (bea)



Authors : Benlacheheb Hamza .

Abstract

This paper examines the experience of the Banque Extérieure d’Algérie (BEA) in the implementation and development of Islamic finance within a conventional banking framework. It analyzes the distinctive features of the Sharia-compliant products offered by the bank, emphasizing their contractual foundations and operational mechanisms. Particular attention is given to the regulatory dimension, notably the role of Instruction 08/FI/DG in shaping the structuring, supervision, and governance of these financial products. The study further assesses BEA’s commercial performance in the Islamic banking segment, especially in relation to sales objectives and market positioning. In addition, it explores the institutional and strategic challenges associated with integrating Islamic finance into the Algerian banking system. Finally, the paper discusses future prospects, identifying both growth opportunities and structural constraints that may influence the sustainability and expansion of Islamic banking activities at BEA

Keywords

Islamic Banking ; Islamic Finance Principles ; Regulatory Framework ; ; Instruction 08/FI/DG ; Banque Extérieure d’Algérie; Algeria.

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