The Housing Bank For Trade & Finance Algeria

What The Housing Bank For Trade & Finance Algeria does

The Housing Bank for Trade & Finance Algeria is a privately held commercial bank incorporated in 2003 and headquartered in Dely Ibrahim, Algiers. It operates as the Algerian subsidiary of the regional Housing Bank for Trade & Finance group and serves both individual and business customers through a network of 10 branches located in Algeria's principal commercial cities: Algiers (three branches), Oran (two), Blida, Sétif, Dar El Beida, Béjaïa, Constantine, Rouiba, and Batna. The bank's product offering spans standard retail and corporate banking — deposits, withdrawals, wire transfers, credit facilities — alongside international trade services, including CommEx operations, import/export pre-domiciliation, and a published 12-currency foreign exchange book (USD, EUR, GBP, JPY, CHF, CAD, DKK, SEK, NOK, AED, SAR, KWD). A stated competitive advantage is its licensed status under Algerian banking regulation, which enables it to serve regulated cross-border trade flows.

The bank's technology stack is a web-based, multi-channel digital banking platform supporting English, French, and Arabic. Core products include E-Banking (corporate internet banking with authentication and password recovery), SmartDocument (downloadable, macro-enabled banking form templates for CommEx and portfolio operations), Virements Multiples / Virtex (batch transfer processing), and Pre-Domiciliation / Predx (digital import/export domiciliation). These tools are presented as an integrated suite enabling account management, batch payments, and trade-finance documentation through browser-based portals. Information security relies on standard controls: antivirus systems, data encryption, firewalls, and customer identity verification.

The bank's revenue model is anchored in net interest income from loans and credit facilities, supplemented by transaction fees (wire transfers, account services, check issuance, cash operations) and FX margins on its multi-currency exchange service. Pricing is published in the annual Conditions de Banque document; the bank does not operate a subscription or digital-channel pricing model. Distribution runs through the physical branch network (enterprise and retail) and the E-Banking self-serve portal, with customer acquisition supported primarily through the corporate website and direct branch contact. The company is privately held with no disclosed funding rounds, revenue, or ownership structure beyond its parent-group affiliation.

Name

The Housing Bank For Trade & Finance Algeria

Legal name

The Housing Bank for Trade & Finance - Algeria

Website

https://housingbankdz.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

101–250 employees

Short description

The Housing Bank for Trade & Finance Algeria is a private commercial bank headquartered in Algiers that provides retail, corporate, and international trade-finance services through 10 branches and a web-based E-Banking platform serving individual and business customers across Algeria.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro industry

PRIMARYFSABAKAG

Housing & Urban Development Banks (Public)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Development & Public Sector Banking (DFIs, Postal/Savings Banks)

SECONDARYFSABAHAJ

Structured Trade & Export Credit (ECA-backed, Structured Solutions)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Trade Finance & Supply Chain Banking

SECONDARYFSAMAOAA

Corporate Cash Management & Treasury Services

Financial & Insurance/Payments & Transaction Processing/Cash Management, Cash-in/Cash-out & ATM Services

Keywords

• Commercial banking services
• Retail banking products
• Foreign exchange services
• International trade finance
• Corporate digital banking

Headquarters

HQ city

Dely Ibrahim

HQ country

Algeria

HQ region

Africa

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income: Revenue generated from interest on loans and credit facilities extended to customers
2. Transaction Fees: Fees charged for banking operations including wire transfers, account services, and document processing
3. Currency Exchange: Revenue from currency exchange services with published exchange rates for multiple currencies including USD, EUR, GBP, JPY, CHF, CAD, DKK, SEK, NOK, AED, SAR, KWD

Pricing tiers

Distribution channels3 records

Marketing channels3 records

Core offering

The Housing Bank For Trade & Finance Algeria is a licensed commercial bank operating in Algeria, providing deposit accounts, withdrawals, wire transfers, foreign exchange in 12+ currencies, credit facilities, and international trade finance (CommEx) operations. It complements its branch-based services with a digital ecosystem comprising an E-Banking platform, SmartDocument downloadable forms, Virements Multiples (Virtex) batch transfers, and Pre-Domiciliation (Predx) for import/export processing. The bank serves individuals, businesses, and corporate clients across 10 branches in major Algerian cities.

Product overview

The Housing Bank For Trade & Finance Algeria operates as a multi-channel banking institution offering a unified digital banking platform complemented by specialized transaction services. The core digital ecosystem includes E-Banking (web-based online banking), SmartDocument (downloadable banking forms), Virements Multiples/Virtex (batch transfer processing), and Pre-Domiciliation/Predx (import/export domiciliation management). These products are designed to work together as an integrated banking service suite, enabling customers to access account management, process transfers, handle documentation, and manage trade finance operations through both web portals and downloadable documents. The bank maintains branch locations across major Algerian cities including Algiers, Blida, Oran, Sétif, Béjaïa, Constantine, Rouïba, and Batna.

Differentiator

Problem solved

Functional benefit

Products and services

• SmartDocument
• Virements Multiples (Virtex) An online platform for executing multiple bank transfers and payment transactions, enabling batch transfer operations for corporate and individual clients.
• Pre-Domiciliation (Predx) An electronic pre-domiciliation service allowing customers to manage and process import/export domiciliation procedures digitally.
• E-Banking Platform A comprehensive online banking platform providing account management, authentication services, user registration, and password recovery for corporate and retail customers, available in French and English.
• International Trade Finance (CommEx) International trade finance services supporting import/export operations including documentary credits (CREDOC), import and export domiciliation commitments, and international transfer orders for business clients engaged in cross-border trade.
• Portfolio Banking Services Standard banking services including bank check issuance, transfer orders, check deposit slips, cash deposit slips, and checkbook requests for individual and business customers.
• Multi-Currency Foreign Exchange Currency exchange services offering published buy/sell rates across 12 international currencies including USD, EUR, GBP, JPY, CHF, CAD, DKK, SEK, NOK, AED, SAR, and KWD, with rates refreshed weekly.

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Banque Nationale d'Algérie (BNA): Algeria's largest state-owned commercial bank, offering deposits, lending, FX, and trade finance across an extensive national branch network. Directly comparable as a general commercial bank serving Algerian retail and corporate customers with international banking capabilities.
• Banque Extérieure d'Algérie (BEA): One of Algeria's largest state-owned commercial banks with a national branch network providing corporate, retail, and trade finance services. Highly comparable as a full-service Algerian commercial bank targeting individuals and businesses, including international trade operations.
• BNP Paribas El Djazair: Algerian subsidiary of a leading European banking group with retail and corporate banking operations. Comparable to The Housing Bank Algeria as a foreign-owned Algerian bank offering full-service banking, FX, and trade finance to Algerian clients.
• Al Baraka Bank Algeria: Algerian subsidiary of a GCC banking group offering Sharia-compliant retail, corporate, and trade finance services. Comparable as a foreign-owned Algerian commercial bank serving individuals and businesses with multi-branch domestic coverage.
• Banque de l'Agriculture et du Développement Rural (BADR): Algerian state-owned commercial bank focused on agricultural, rural, and SME lending alongside general banking. Comparable as another domestic Algerian bank offering full retail/commercial services including trade-related operations and a national branch network.
• Société Générale Algérie: Algerian subsidiary of a major French banking group offering retail, corporate, and trade finance. Comparable as a foreign-owned Algerian commercial bank with multi-branch coverage and strong corporate/trade banking franchise.
• Crédit Populaire d'Algérie (CPA): Major Algerian commercial bank with broad retail and corporate banking operations. Comparable to The Housing Bank Algeria as a domestic full-service bank offering deposits, credit, and payment services to individuals and businesses across Algeria.
• Gulf Bank Algeria (AGB): Algerian subsidiary of a Kuwaiti banking group providing retail and corporate banking. Comparable to The Housing Bank Algeria as a Gulf-region-owned Algerian bank offering full-service commercial banking with national branches.

Broad incumbents

• Arab Banking Corporation (ABC): Major MENA-headquartered banking group with wholesale, trade finance, and treasury operations across North Africa. Comparable to The Housing Bank Algeria as a regional bank group with corporate banking and trade finance capabilities, though operating at significantly larger scale.
• Housing Bank for Trade & Finance (Jordan): The parent banking group of The Housing Bank Algeria. A regional commercial bank offering retail, corporate, and trade finance services. Comparable as the direct parent operating in a similar banking model, providing a benchmark for capabilities, product set, and governance.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/HousingBankAlgeria
• LinkedInlinkedin.com/company/housingbankalgeria

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Housing Bank For Trade & Finance Algeria