📊 Tableau de bord administrateur du portefeuille
Année :
Nombre total de polices
40919
Contrats d'assurance actifs
Score de risque du portefeuille
53.9/100
Risque moyen
Risque de concentration max
28.41%
Exposition régionale la plus élevée
Capital total
DZD 242351714625
Valeur totale assurée
Prime totale
DZD 128054847
Revenu annuel des primes
🎯 Recommandations (3)
Problèmes critiques
1
Nécessitent une action immédiate
Avertissements
0
À surveiller de près
Informations
2
Opportunités et perspectives
Low Penetration Opportunity
📍 BÉCHAR
TINDOUF remains lightly represented in the portfolio while sitting in Zone 0.
Valeur : DZD 102
💡 Target broker development and commercial acquisition in TINDOUF to rebalance the portfolio away from hotspot territories.
Portfolio Rebalancing
Risk capital is concentrated in ALGER, SETIF, BOUMERDES. The clearest rebalancing opportunities are TINDOUF, BECHAR, GHARDAIA.
💡 Slow new capacity growth in ALGER, SETIF, BOUMERDES until concentration and retained loss are back inside target. Push commercial acquisition and broker incentives toward TINDOUF, BECHAR, GHARDAIA, where hazard is lower and portfolio share is still light. Use the catastrophe scenario retained-loss output as the underwriting guardrail for any further expansion in red territories.
Concentration Risk
📍 ALGER
ALGER carries 28.4% of portfolio capital with a hotspot score of 96.5.
Valeur : DZD 28
💡 Slow incremental underwriting in ALGER and use retained-loss limits before authorizing additional growth.
❌ Wilayas à risque élevé
| Wilaya | Polices | Capital total | Score de risque | Concentration |
|---|---|---|---|---|
| ALGER | 9293 | DZD 68849888045 | 95.0 | 28.41% |
| BOUMERDES | 1092 | DZD 7337792478 | 55.2 | 3.03% |
| TIPAZA | 1639 | DZD 4782231540 | 52.6 | 1.97% |
| BLIDA | 1184 | DZD 4356912260 | 52.2 | 1.80% |
| SETIF | 4221 | DZD 25419445150 | 49.7 | 10.49% |
| CHLEF | 140 | DZD 1260919852 | 48.3 | 0.52% |
| TIZI OUZOU | 4175 | DZD 18364748711 | 44.4 | 7.58% |
| ORAN | 1987 | DZD 17416682923 | 43.7 | 7.19% |
| B.B ARRERIDJ | 2034 | DZD 6560185897 | 34.4 | 2.71% |
| ANNABA | 776 | DZD 5710891303 | 33.6 | 2.36% |
📦 Distribution des polices par type
Installation Commerciale
9244
23% du portefeuille
Bien immobilier
31266
76% du portefeuille
Installation Industrielle
409
1% du portefeuille