💡 Centre de recommandations

Année :
Total
3
Critique
1
Alerte
0
Info
2
3 recommandations
Concentration Risk
📍 ALGER
Critical
ALGER carries 28.4% of portfolio capital with a hotspot score of 96.5.
Type : CONCENTRATION
Valeur : DZD 28
Année : 2025
💡 Action suggérée : Slow incremental underwriting in ALGER and use retained-loss limits before authorizing additional growth.
Portfolio Rebalancing
📍 Niveau national
Information
Risk capital is concentrated in ALGER, SETIF, BOUMERDES. The clearest rebalancing opportunities are TINDOUF, BECHAR, GHARDAIA.
Type : REBALANCING
Année : 2025
💡 Action suggérée : 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.
Low Penetration Opportunity
📍 BÉCHAR
Information
TINDOUF remains lightly represented in the portfolio while sitting in Zone 0.
Type : LOW_PENETRATION
Valeur : DZD 102
Année : 2025
💡 Action suggérée : Target broker development and commercial acquisition in TINDOUF to rebalance the portfolio away from hotspot territories.