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Abstract :
This study aimed at identifying one of the dangerous phenomen on facing the operating banks in Algeria
which is the bad loans and at understanding the concept of bad loans which are usually called non-
performing loans and defining main factors which contribute to the developpement and growth of the
non-performing loans problem from the point of view of related parties : lending banks,borrowers. The
study found a range of recommendations which, if applied,could alleviate this problem.
Key words : crédit, bad loans,risk’s crédit,Algerian banking system.
:

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. :

ANSEJ /CNAC/ANGEM

% 55.26 3267 1806 2010

.( ):
2014 2013 2012 2011 2010 2009
8518 .50 7229.2 6690 6283.30 5395 4731.80
6502.90 5154.50 4285.60 3724.70 3266.70 3085.16
2015.60 2074.70 2404.40 2558.60 2128.30 1646.64
598,26 544.31 502.70 538.22 598.13 652.20
9,21 10.56 11.73 14.45 18.31 21.14 %
390.18 371.16 350.83 388.32 439.50 426.60
65.22 68.19 69.79 72.15 73.48 65.41 %

Banque d’Algérie, Evolution Economique et Monétaire en Algérie, Rapport 2009 : :

/2013

% 21 2009 2014 2009

2009 2010 %18

%09 2014 40

% 69

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 (2)30– -

.
% 24 2010 % 23.31 2009 % 22.11

%22 2011
%31.2 2011

2013 %16.2 2014

.%21.50

. 2008-2007

.% 5
:

(Ansej-Cnac-Angem )

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ANSEJ-CNAC- -
Crédit Leasing ANGEM

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.67 2000

81
 (2)30– -

2- Rose, Peter Sylvia., Commercial Bank Management, Measuring & Evaluating Bank Performance,
International Edition, Mc Graw-Hill,New York, 2002, P 118.
-3
.36-35 1992
2009 -4
.22
.397 2013 1 -5
-6
.4 1999
.85 1994 6 -7
.31 2006 -8
.188 2005 4 -9
: -10
.119 2003
.239 2002 1 -11
1997 1 ... ... : -12
.81
.403 -13
.187 -14
.85 . -15
.260 -16
.284 1999 1 -17
.240 -18
.398 -19
1999 -20
.80
.85-84 -21
-163 2013 3 -22
.164
.218 -23
.127-126 -24
.360 2006 -25
.96-95 2012 -26

82