Applying Data Mining Techniques As a Tool To Analyze The Safety Ratios Of The Algerian National Bank (BNA) – Using DATAtab Software

Abstract

This study aims to analyze the financial safety ratios of the Banque Nationale d’Algérie (BNA) using data mining techniques through the DATAtab software, within the context of the ongoing digital transformation in the financial sector. The research employs intelligent analytical tools to extract hidden patterns from financial data, thereby enhancing the accuracy of financial decision-making. The results reveal a general stability in safety ratios, with notable improvements during times of crisis, such as the COVID-19 pandemic. The study also highlights the bank's flexibility in directing its credit resources. Recommendations include promoting the integration of data mining techniques in regular financial analysis, developing centralized financial databases, and training financial staff on intelligent analytical tools. The findings affirm that adopting such technologies represents a qualitative shift toward a more objective and accurate financial approach that supports governance and sustainability. It also strengthens the competitive advantage of Algerian banking institutions through early risk prediction and informed strategic decision-making.