{
  "fr": {
    "index": {
      "pageTitle": "Banque BIA – Accueil",
      "hero": {
        "title": "Bienvenue sur le site de la Banque BIA",
        "subtitle": "Accompagnement trade finance et paiements internationaux.",
        "cta": "Nos métiers"
      },
      "values": {
        "title": "Nos valeurs",
        "subtitle": "Un savoir-faire reconnu et une conformité rigoureuse.",
        "expEyebrow": "Savoir-faire",
        "exp": "Expertise depuis 1975",
        "expDesc": "Près de 50 ans d'expérience au service du commerce international.",
        "eucompEyebrow": "Confiance",
        "eucomp": "Conformité européenne",
        "eucompDesc": "Respect strict des standards bancaires et réglementations de l'UE.",
        "networkEyebrow": "Proximité",
        "network": "Réseau international",
        "networkDesc": "Un ancrage méditerranéen et africain au service de vos échanges internationaux."
      },
      "history": {
        "chip": "Historique",
        "title": "Créée en 1975 à Paris",
        "p1": "La Banque Intercontinentale Arabe est devenue Banque BIA en 2005 afin d'accompagner durablement les échanges entre les deux rives de la Méditerranée.",
        "p2": "Initialement dédiée aux flux France–Algérie et France–Libye, elle s'est ensuite ouverte à l'ensemble de l'espace méditerranéen puis à l'Afrique subsaharienne.",
        "p3": "Aujourd'hui, la Banque BIA est une référence en France et en Europe pour sécuriser et accélérer les relations commerciales internationales."
      },
      "trusted": {
        "title": "Qui sommes-nous",
        "subtitle": "Des leaders de l'énergie, de l'industrie et de la tech s'appuient sur la Banque BIA.",
        "bank": {
          "title": "La Banque BIA",
          "desc": "Créée en 1975 au cœur de Paris, la Banque Intercontinentale Arabe a changé de raison sociale en 2005 pour devenir la Banque BIA.",
          "link": "En savoir plus"
        },
        "services": {
          "title": "Services & Prestations",
          "item1": "Liens et informations utiles",
          "item2": "Comptes (particuliers, entreprises, correspondants)",
          "item3": "Loi Eckert - Compte inactif",
          "item4": "Conformité",
          "link": "En savoir plus"
        },
        "security": {
          "title": "Sécurité financière",
          "desc": "Dans le cadre du dispositif de lutte contre le blanchiment d'argent, renforcé en 2009 par la transposition de la 3ème directive européenne...",
          "link": "En savoir plus"
        }
      },
      "partners": {
        "title": "Nos partenaires",
        "subtitle": "Un rôle clé entre institutions et entreprises.",
        "banks": "Les banques",
        "banksBadge": "Banques partenaires",
        "banksDesc": "Correspondants Europe, Afrique du Nord et Moyen-Orient, Asie, Amériques.",
        "banksList1": "Réseau clearing international",
        "banksList2": "Desk correspondants 24/7",
        "banksStatNetworksValue": "+210",
        "banksStatNetworksLabel": "réseaux",
        "banksStatCountriesValue": "+35",
        "banksStatCountriesLabel": "pays",
        "firms": "Les entreprises",
        "firmsBadge": "Entreprises clientes",
        "firmsDesc": "Groupes industriels, exportateurs et filiales internationales.",
        "firmsList1": "Accompagnement exportateurs & filiales",
        "firmsList2": "Solutions cash, opérations de change & trade finance",
        "firmsStatClientsValue": "+1 500",
        "firmsStatClientsLabel": "clients",
        "firmsStatSectorsValue": "+20",
        "firmsStatSectorsLabel": "secteurs"
      },
      "metrics": {
        "title": "Chiffres clés",
        "subtitle": "Des volumes soutenus et un réseau étendu.",
        "countries": {
          "label": "Pays couverts",
          "value": "+60",
          "desc": "Réseau international"
        },
        "banks": {
          "label": "Banques correspondantes",
          "value": "+300",
          "desc": "Établissements partenaires (réseau SWIFT)"
        },
        "years": {
          "label": "Années d'expertise",
          "value": "+50",
          "desc": "Trade finance & paiements"
        }
      },
      "services": {
        "title": "Nos métiers",
        "subtitle": "Aperçu de nos trois pôles. Retrouvez le détail complet sur la page dédiée.",
        "lcTag": "Crédit documentaire",
        "lcTitle": "Expertise historique pour vos flux sensibles",
        "lcSummary": "Cœur d’activité de la Banque BIA, le crédit documentaire sécurise les échanges internationaux avec un pilotage complet depuis Paris.",
        "lcMeta": "Ouverture, confirmation et suivi proactif, avec conseil documentaire pays.",
        "paymentsTag": "Moyens de paiement",
        "paymentsTitle": "Flux SEPA/SWIFT accélérés",
        "paymentsSummary": "Transferts multi-devises, encaissements et opérations de change sont traités avec des cut-off étendus.",
        "paymentsMeta": "Desk bilingue, notifications temps réel et suivi cash 24/7.",
        "financeTag": "Financement & garanties",
        "financeTitle": "Solutions sur-mesure pour exportateurs",
        "financeSummary": "Crédits commerciaux, trésorerie et garanties accompagnent la croissance des entreprises exportatrices.",
        "financeMeta": "Structuration court/moyen terme, cautions et dispositifs supply-chain.",
        "lc": {
          "opening": "Ouverture",
          "confirm": "Confirmation",
          "follow": "Suivi"
        },
        "payments": {
          "wires": "Virements",
          "collections": "Encaissements",
          "fx": "Change"
        },
        "finance": {
          "discounting": "Escompte",
          "guarantees": "Garanties",
          "trade": "Trade finance"
        },
        "lcDesc": "Ouverture, confirmation et suivi des crédits documentaires pour sécuriser vos import/export.",
        "lcItem1": "Structuration LC & SBLC",
        "lcItem2": "Traitement digitalisé des documents",
        "lcItem3": "Conseil conformité pays",
        "paymentsDesc": "Flux SEPA, SWIFT, change et cash pooling pilotés depuis Paris avec cut-off étendus.",
        "paymentsItem1": "Virements multi-devises H24",
        "paymentsItem2": "Encaissements sécurisés",
        "paymentsItem3": "Desk dédié aux opérations de change",
        "financeDesc": "Solutions court/moyen terme pour soutenir votre trésorerie et vos contrats internationaux.",
        "financeItem1": "Garanties bancaires & cautions",
        "financeItem2": "Escompte & forfaitage",
        "financeItem3": "Programmes supply chain",
        "tags": {
          "trade": "Trade finance",
          "payments": "Paiements temps réel & opérations de change",
          "finance": "Financement structuré"
        },
        "metrics": {
          "expertsValue": "+50",
          "expertsLabel": "experts trade finance",
          "transactionsValue": "12k",
          "transactionsLabel": "opérations suivies/an",
          "cutoffValue": "20h",
          "cutoffLabel": "Cut-off SWIFT Paris"
        },
        "lcFocus": "Focus : sécurisation des flux sensibles et conseil documentaire pays.",
        "paymentsFocus": "Focus : cut-off étendu, change dédié et suivi cash 24/7.",
        "financeFocus": "Focus : structuration court/moyen terme et garanties publiques.",
        "learnMore": "Voir la fiche métier",
        "cta": "Découvrir nos métiers",
        "details": {
          "lc": {
            "openingItem1": "Analyse du besoin et structuration LC/SBLC multi-devises.",
            "openingItem2": "Accompagnement documentaire et clauses pays sensibles.",
            "openingItem3": "Interface digitale pour le dépôt et la validation des pièces.",
            "confirmItem1": "Confirmation rapide des LC émises par vos banques partenaires.",
            "confirmItem2": "Prise en charge du risque banque émettrice / pays.",
            "confirmItem3": "Alertes proactives sur les échéances et documents attendus.",
            "followItem1": "Suivi logistique & tracking des expéditions.",
            "followItem2": "Gestion des modifications, prorogations et transferts.",
            "followItem3": "Reporting consolidé pour trésorerie et conformité."
          },
          "payments": {
            "wiresItem1": "Virements SEPA/SWIFT multi-devises avec cut-off étendus.",
            "wiresItem2": "Service d'opérations de change intégré pour convertir au meilleur cours.",
            "wiresItem3": "Notifications statut et preuves d’exécution.",
            "collectionsItem1": "Encaissements documentaires et remises simples.",
            "collectionsItem2": "Lettre de change, chèques, prélèvements internationaux.",
            "collectionsItem3": "Portail pour suivre les règlements clients.",
            "fxItem1": "Couverture change spot & forward.",
            "fxItem2": "Desk dédié Algérie / Libye / Europe.",
            "fxItem3": "Alertes marché et recommandations quotidiennes."
          },
          "finance": {
            "discountingItem1": "Escompte des créances export et forfaitage.",
            "discountingItem2": "Mise en place accélérée via signature électronique.",
            "discountingItem3": "Traitement prioritaire pour montants stratégiques.",
            "guaranteesItem1": "Garanties contractuelles, douanières et cautions.",
            "guaranteesItem2": "Contre-garanties via nos correspondants.",
            "guaranteesItem3": "Suivi des expirations et mainlevées.",
            "tradeItem1": "Financements import/export court et moyen terme.",
            "tradeItem2": "Solutions supply chain payables / receivables.",
            "tradeItem3": "Montages co-financés avec agences de crédit export."
          }
        },
        "tab": {
          "lc": "Crédit documentaire",
          "payments": "Moyens de paiement",
          "finance": "Financement & garanties"
        }
      },
      "security": {
        "title": "Sécurité financière",
        "subtitle": "Lutte contre le blanchiment, KYC, sanctions et embargos.",
        "kyc": {
          "tag": "KYC",
          "title": "KYC renforcé",
          "desc": "Onboarding digital, screening en temps réel et revues périodiques clients.",
          "item1": "Dossiers complets en 48h",
          "item2": "Veille sanctions automatisée",
          "item3": "Portail d'échanges sécurisé"
        },
        "sanctions": {
          "tag": "Sanctions",
          "title": "Sanctions & embargos",
          "desc": "Contrôles multi-listes (EU, OFAC, ONU) et alertes équipes spécialisées.",
          "item1": "Moteur de filtrage SWIFT",
          "item2": "Analyse qualitative des alertes",
          "item3": "Accompagnement client"
        },
        "controls": {
          "tag": "Contrôles",
          "title": "Contrôles permanents",
          "desc": "Dispositif 3 lignes de défense avec audits réguliers et reporting.",
          "item1": "Scoring opérations",
          "item2": "Testing indépendant",
          "item3": "Comités de suivi"
        },
        "training": {
          "tag": "Formation",
          "title": "Formation & culture",
          "desc": "Programmes annuels LCB-FT et modules sur-mesure pour nos partenaires.",
          "item1": "E-learning certifiant",
          "item2": "Sessions métiers",
          "item3": "Veille réglementaire"
        },
        "compliance": {
          "tag": "Conformité",
          "title": "Conformité & reporting",
          "desc": "Processus alignés ACPR/EBA avec reporting RSE et ESG.",
          "item1": "Contrôles LCB-FT",
          "item2": "Revues PSEE",
          "item3": "Tableaux de bord dédiés"
        },
        "claims": {
          "tag": "Réclamations",
          "title": "Réclamations & alertes",
          "desc": "Traitement client et canal confidentiel pour signaler toute anomalie.",
          "item1": "Accusé en 48h",
          "item2": "Suivi personnalisé",
          "item3": "Escalade ACPR"
        }
      },
      "shareholders": {
        "title": "Actionnaires",
        "subtitle": "Structure du capital à parts égales.",
        "badgeDZ": "Algérie",
        "badgeLY": "Libye",
        "bea": "Banque Extérieure d'Algérie",
        "lfb": "Libyan Foreign Bank",
        "public": "Actionnaire public"
      }
    }
  },
  "en": {
    "index": {
      "pageTitle": "Banque BIA – Home",
      "hero": {
        "title": "Welcome to Banque BIA",
        "subtitle": "Trade finance and cross-border payments support.",
        "cta": "Our businesses"
      },
      "values": {
        "title": "Our values",
        "subtitle": "Recognized expertise and rigorous compliance.",
        "expEyebrow": "Know-how",
        "exp": "Expertise since 1975",
        "expDesc": "Nearly 50 years of experience in service of international trade.",
        "eucompEyebrow": "Trust",
        "eucomp": "EU-level compliance",
        "eucompDesc": "Strict adherence to banking standards and EU regulations.",
        "networkEyebrow": "Proximity",
        "network": "International network",
        "networkDesc": "A Mediterranean and African footprint supporting your international trade."
      },
      "history": {
        "chip": "History",
        "title": "Founded in 1975 in Paris",
        "p1": "Banque Intercontinentale Arabe became Banque BIA in 2005 to support sustainable trade between both shores of the Mediterranean.",
        "p2": "Initially dedicated to France–Algeria and France–Libya flows, it subsequently expanded across the Mediterranean region and then Sub-Saharan Africa.",
        "p3": "Today, Banque BIA is a reference in France and Europe for securing and accelerating international trade relations."
      },
      "trusted": {
        "title": "About us",
        "subtitle": "Leaders in energy, industry and tech rely on Banque BIA.",
        "bank": {
          "title": "Banque BIA",
          "desc": "Founded in 1975 in the heart of Paris, Banque Intercontinentale Arabe changed its corporate name in 2005 to become Banque BIA.",
          "link": "Learn more"
        },
        "services": {
          "title": "Services & Offerings",
          "item1": "Links and useful information",
          "item2": "Accounts (personal, business, correspondents)",
          "item3": "Eckert law - Inactive account",
          "item4": "Compliance",
          "link": "Learn more"
        },
        "security": {
          "title": "Financial security",
          "desc": "As part of the anti-money laundering framework, strengthened in 2009 by the transposition of the 3rd European directive...",
          "link": "Learn more"
        }
      },
      "partners": {
        "title": "Our partners",
        "subtitle": "A key role between institutions and companies.",
        "banks": "Banks",
        "banksBadge": "Partner banks",
        "banksDesc": "Correspondents in Europe, North Africa, Middle East, Asia and the Americas.",
        "banksList1": "International clearing network",
        "banksList2": "24/7 correspondent banking desk",
        "banksStatNetworksValue": "+210",
        "banksStatNetworksLabel": "networks",
        "banksStatCountriesValue": "+35",
        "banksStatCountriesLabel": "countries",
        "firms": "Companies",
        "firmsBadge": "Corporate clients",
        "firmsDesc": "Industrial groups, exporters and international subsidiaries.",
        "firmsList1": "Support for exporters & subsidiaries",
        "firmsList2": "Cash, FX and trade finance solutions",
        "firmsStatClientsValue": "+1,500",
        "firmsStatClientsLabel": "clients",
        "firmsStatSectorsValue": "+20",
        "firmsStatSectorsLabel": "sectors"
      },
      "metrics": {
        "title": "Key figures",
        "subtitle": "Sustained volumes and a broad network.",
        "countries": {
          "label": "Countries covered",
          "value": "+60",
          "desc": "International network"
        },
        "banks": {
          "label": "Correspondent banks",
          "value": "+300",
          "desc": "Partner institutions (SWIFT network)"
        },
        "years": {
          "label": "Years of expertise",
          "value": "+50",
          "desc": "Trade finance & payments"
        }
      },
      "services": {
        "title": "Our businesses",
        "subtitle": "Snapshot of our three pillars. See the dedicated page for full details.",
        "lcTag": "Letters of credit",
        "lcTitle": "Historical expertise for your flows",
        "lcSummary": "As Banque BIA’s core activity, documentary credit secures international trade with end-to-end management from Paris.",
        "lcMeta": "Issuance, confirmation and proactive monitoring with country-specific guidance.",
        "paymentsTag": "Payments",
        "paymentsTitle": "Faster SEPA/SWIFT flows",
        "paymentsSummary": "Multi-currency transfers, collections and FX benefit from extended cut-offs.",
        "paymentsMeta": "Bilingual desk, real-time notifications and 24/7 cash visibility.",
        "financeTag": "Financing & guarantees",
        "financeTitle": "Tailor-made solutions for exporters",
        "financeSummary": "Trade loans, treasury lines and guarantees support exporting companies’ growth.",
        "financeMeta": "Short/mid-term structuring, guarantees and supply-chain programs.",
        "lc": {
          "opening": "Issuance",
          "confirm": "Confirmation",
          "follow": "Follow-up"
        },
        "payments": {
          "wires": "Wire transfers",
          "collections": "Collections",
          "fx": "FX"
        },
        "finance": {
          "discounting": "Discounting",
          "guarantees": "Guarantees",
          "trade": "Trade finance"
        },
        "lcDesc": "Issuance, confirmation and follow-up of documentary credits to secure your import/export.",
        "lcItem1": "LC & SBLC structuring",
        "lcItem2": "Digitized document processing",
        "lcItem3": "Country compliance advisory",
        "paymentsDesc": "SEPA, SWIFT, FX and cash pooling flows managed from Paris with extended cut-offs.",
        "paymentsItem1": "Multi-currency transfers 24/7",
        "paymentsItem2": "Secure collections",
        "paymentsItem3": "Dedicated FX desk",
        "financeDesc": "Short/medium-term solutions to support your treasury and international contracts.",
        "financeItem1": "Bank guarantees & bonds",
        "financeItem2": "Discounting & forfaiting",
        "financeItem3": "Supply chain programs",
        "tags": {
          "trade": "Trade finance",
          "payments": "Real-time payments & FX",
          "finance": "Structured financing"
        },
        "metrics": {
          "expertsValue": "+50",
          "expertsLabel": "trade finance experts",
          "transactionsValue": "12k",
          "transactionsLabel": "operations monitored/year",
          "cutoffValue": "20h",
          "cutoffLabel": "Paris SWIFT cut-off"
        },
        "lcFocus": "Focus: securing sensitive flows and country-specific documentation.",
        "paymentsFocus": "Focus: extended cut-off, dedicated FX and 24/7 cash monitoring.",
        "financeFocus": "Focus: short/medium-term structuring and public guarantees.",
        "learnMore": "View the business profile",
        "cta": "Discover our business lines",
        "details": {
          "lc": {
            "openingItem1": "Needs analysis and structuring of LC/SBLC in multiple currencies.",
            "openingItem2": "Documentary guidance and clauses for sensitive countries.",
            "openingItem3": "Digital interface to submit and validate documents.",
            "confirmItem1": "Fast confirmation of LC issued by your partner banks.",
            "confirmItem2": "Risk coverage on issuing bank / country.",
            "confirmItem3": "Proactive alerts on maturities and expected documents.",
            "followItem1": "Logistics monitoring & shipment tracking.",
            "followItem2": "Management of amendments, extensions and transfers.",
            "followItem3": "Consolidated reporting for treasury and compliance."
          },
          "payments": {
            "wiresItem1": "SEPA/SWIFT multi-currency transfers with extended cut-offs.",
            "wiresItem2": "Embedded FX service to convert at the best rate.",
            "wiresItem3": "Status notifications and proof of execution.",
            "collectionsItem1": "Documentary collections and clean remittances.",
            "collectionsItem2": "Bills of exchange, cheques and international direct debits.",
            "collectionsItem3": "Portal to track incoming customer payments.",
            "fxItem1": "Spot & forward hedging.",
            "fxItem2": "Dedicated desk for Algeria / Libya / Europe.",
            "fxItem3": "Market alerts and daily recommendations."
          },
          "finance": {
            "discountingItem1": "Export receivables discounting and forfaiting.",
            "discountingItem2": "Fast setup through e-signature.",
            "discountingItem3": "Priority processing for strategic amounts.",
            "guaranteesItem1": "Performance, customs and advance-payment guarantees.",
            "guaranteesItem2": "Counter-guarantees with our correspondents.",
            "guaranteesItem3": "Monitoring of expiries and releases.",
            "tradeItem1": "Short & mid-term import/export financing.",
            "tradeItem2": "Supply-chain payables / receivables solutions.",
            "tradeItem3": "Co-financed structures with export credit agencies."
          }
        },
        "tab": {
          "lc": "Letters of credit",
          "payments": "Payments",
          "finance": "Financing & guarantees"
        }
      },
      "security": {
        "title": "Financial security",
        "subtitle": "AML/CFT, KYC, sanctions and embargoes.",
        "kyc": {
          "tag": "KYC",
          "title": "Enhanced KYC",
          "desc": "Digital onboarding, real-time screening and periodic client reviews.",
          "item1": "Complete files in 48h",
          "item2": "Automated sanctions monitoring",
          "item3": "Secure exchange portal"
        },
        "sanctions": {
          "tag": "Sanctions",
          "title": "Sanctions & embargoes",
          "desc": "Multi-list controls (EU, OFAC, UN) and specialized team alerts.",
          "item1": "SWIFT filtering engine",
          "item2": "Qualitative alert analysis",
          "item3": "Client support"
        },
        "controls": {
          "tag": "Controls",
          "title": "Permanent controls",
          "desc": "3 lines of defense framework with regular audits and reporting.",
          "item1": "Transaction scoring",
          "item2": "Independent testing",
          "item3": "Monitoring committees"
        },
        "training": {
          "tag": "Training",
          "title": "Training & culture",
          "desc": "Annual AML/CFT programs and custom modules for our partners.",
          "item1": "Certifying e-learning",
          "item2": "Business sessions",
          "item3": "Regulatory monitoring"
        },
        "compliance": {
          "tag": "Compliance",
          "title": "Compliance & reporting",
          "desc": "ACPR/EBA-aligned processes with CSR and ESG reporting.",
          "item1": "AML/CFT controls",
          "item2": "PSEE reviews",
          "item3": "Dedicated dashboards"
        },
        "claims": {
          "tag": "Claims",
          "title": "Claims & alerts",
          "desc": "Client handling and confidential channel to report any anomaly.",
          "item1": "Acknowledgment within 48h",
          "item2": "Personalized follow-up",
          "item3": "ACPR escalation"
        }
      },
      "shareholders": {
        "title": "Shareholders",
        "subtitle": "Equal share capital structure.",
        "badgeDZ": "Algeria",
        "badgeLY": "Libya",
        "bea": "Banque Extérieure d'Algérie",
        "lfb": "Libyan Foreign Bank",
        "public": "Public shareholder"
      }
    }
  },
  "ar": {
    "index": {
      "pageTitle": "Banque BIA – الصفحة الرئيسية",
      "hero": {
        "title": "مرحباً بكم في Banque BIA",
        "subtitle": "دعم تمويل التجارة والمدفوعات عبر الحدود.",
        "cta": "أنشطتنا"
      },
      "values": {
        "title": "قيمنا",
        "subtitle": "خبرة معترف بها وامتثال صارم.",
        "expEyebrow": "خبرة فنية",
        "exp": "خبرة راسخة منذ عام 1975",
        "expDesc": "نحو 50 عاماً من الخبرة في خدمة التجارة الدولية.",
        "eucompEyebrow": "ثقة",
        "eucomp": "الامتثال الأوروبي",
        "eucompDesc": "الالتزام الصارم بالمعايير المصرفية وضوابط الاتحاد الأوروبي.",
        "networkEyebrow": "قرب",
        "network": "الشبكة العالمية",
        "networkDesc": "تمركز متوسطي وإفريقي في خدمة تبادلاتكم الدولية."
      },
      "history": {
        "chip": "التاريخ",
        "title": "تأسس مصرف BIA عام 1975 بباريس",
        "p1": "تأسس البنك العربي الدولي في باريس سنة 1975، وفي سنة 2005 أصبح يُعرف باسم Banque BIA، لغرض تسهيل عمليات التبادل التجاري بين ضفتي المتوسط.",
        "p2": "تركّز نشاط المصرف في بداياته على دعم وتمويل المبادلات التجارية بين فرنسا وكلٍّ من الجزائر وليبيا، قبل أن يوسّع نطاق عملياته تدريجياً ليشمل دول منطقة المتوسط ثم الدول الإفريقية والعالم أجمع.",
        "p3": "يُعد اليوم مصرف بيا باريس مرجعاً في فرنسا وأوروبا لتأمين وتسريع العلاقات التجارية الدولية."
      },
      "trusted": {
        "title": "من نحن",
        "subtitle": "قادة في الطاقة والصناعة والتكنولوجيا يعتمدون على Banque BIA.",
        "bank": {
          "title": "Banque BIA",
          "desc": "تأسس المصرف العربي عبر القارات عام 1975 في قلب باريس، ثم غيّر اسمه التجاري عام 2005 ليصبح Banque BIA.",
          "link": "اعرف المزيد"
        },
        "services": {
          "title": "الخدمات والعروض",
          "item1": "روابط ومراجع مفيدة",
          "item2": "الحسابات (أفراد، شركات، مراسلون)",
          "item3": "Loi Eckert - الحساب الراكد",
          "item4": "الامتثال",
          "link": "اعرف المزيد"
        },
        "security": {
          "title": "الأمن المالي",
          "desc": "في إطار جهاز مكافحة غسل الأموال، المعزز عام 2009 بنقل التوجيه الأوروبي الثالث...",
          "link": "اعرف المزيد"
        }
      },
      "partners": {
        "title": "شركاؤنا",
        "subtitle": "دور محوري بين المؤسسات والشركات.",
        "banks": "البنوك",
        "banksBadge": "بنوك شريكة",
        "banksDesc": "مراسلون في أوروبا وشمال إفريقيا والشرق الأوسط وآسيا والقارة الأمريكية.",
        "banksList1": "شبكة مقاصة دولية",
        "banksList2": "مكتب مراسلين يعمل 24/7",
        "banksStatNetworksValue": "+210",
        "banksStatNetworksLabel": "شبكات",
        "banksStatCountriesValue": "+35",
        "banksStatCountriesLabel": "بلد",
        "firms": "الشركات",
        "firmsBadge": "شركات عميلة",
        "firmsDesc": "مجموعات صناعية ومصدرون وفروع دولية.",
        "firmsList1": "مرافقة للمصدرين والفروع الدولية",
        "firmsList2": "حلول نقدية وصرف وتمويل تجارة",
        "firmsStatClientsValue": "+1,500",
        "firmsStatClientsLabel": "عميل",
        "firmsStatSectorsValue": "+20",
        "firmsStatSectorsLabel": "قطاع"
      },
      "metrics": {
        "title": "أرقام أساسية",
        "subtitle": "حجم عمليات مستدام وشبكة واسعة.",
        "countries": {
          "label": "بلدان مشمولة",
          "value": "+60",
          "desc": "الشبكة العالمية"
        },
        "banks": {
          "label": "بنوك مراسلة",
          "value": "+300",
          "desc": "مؤسسات شريكة (شبكة SWIFT)"
        },
        "years": {
          "label": "سنوات الخبرة",
          "value": "+50",
          "desc": "تمويل التجارة والمدفوعات"
        }
      },
      "services": {
        "title": "أنشطتنا",
        "subtitle": "نظرة سريعة على أقطابنا الثلاثة. التفاصيل الكاملة متاحة في الصفحة المخصصة.",
        "lcTag": "الاعتماد المستندي",
        "lcTitle": "خبرة راسخة في مواكبة تدفقاتكم المالية",
        "lcSummary": "يشكل الاعتماد المستندي جوهر نشاط Banque BIA لتأمين التبادلات الدولية بإدارة كاملة من باريس.",
        "lcMeta": "فتح، تأكيد ومتابعة استباقية مع استشارات خاصة بكل بلد.",
        "paymentsTag": "وسائل الدفع",
        "paymentsTitle": "معالجة مُسرّعة لتحويلات SEPA وSWIFT",
        "paymentsSummary": "حوالات متعددة العملات وتحويلات وصرف أجنبي بمواعيد إغلاق ممتدة.",
        "paymentsMeta": "فريق ثنائي اللغة، تنبيهات فورية ورصد نقدي على مدار الساعة.",
        "financeTag": "التمويل والضمانات",
        "financeTitle": "حلول مخصصة للمصدرين",
        "financeSummary": "قروض تجارية، سيولة وضمانات لدعم نمو الشركات المصدرة.",
        "financeMeta": "هيكلة قصيرة/متوسطة الأجل، كفالات وبرامج سلسلة التوريد.",
        "lc": {
          "opening": "فتح",
          "confirm": "تأكيد",
          "follow": "متابعة"
        },
        "payments": {
          "wires": "حوالات",
          "collections": "تحصيلات",
          "fx": "صرف أجنبي"
        },
        "finance": {
          "discounting": "خصم",
          "guarantees": "ضمانات",
          "trade": "تمويل التجارة"
        },
        "lcDesc": "فتح وتأكيد ومتابعة الاعتمادات المستندية لتأمين استيراد/تصديرك.",
        "lcItem1": "هيكلة الاعتمادات والضمانات",
        "lcItem2": "معالجة رقمية للوثائق",
        "lcItem3": "استشارة امتثال البلدان",
        "paymentsDesc": "تدفقات SEPA وSWIFT وصرف أجنبي وتجميع نقدي تُدار من باريس مع مواعيد نهائية ممتدة.",
        "paymentsItem1": "حوالات متعددة العملات 24/7",
        "paymentsItem2": "تحصيلات آمنة",
        "paymentsItem3": "مكتب صرف أجنبي مخصص",
        "financeDesc": "حلول قصيرة/متوسطة الأجل لدعم خزينتك وعقودك الدولية.",
        "financeItem1": "ضمانات بنكية وكفالات",
        "financeItem2": "خصم وتفويت",
        "financeItem3": "برامج سلسلة التوريد",
        "tags": {
          "trade": "تمويل التجارة",
          "payments": "مدفوعات فورية وصرف أجنبي",
          "finance": "تمويل وضمانات مهيكلة"
        },
        "metrics": {
          "expertsValue": "+50",
          "expertsLabel": "خبراء تمويل التجارة",
          "transactionsValue": "12k",
          "transactionsLabel": "عمليات مراقبة/سنوياً",
          "cutoffValue": "20h",
          "cutoffLabel": "موعد إغلاق SWIFT باريس"
        },
        "lcFocus": "التركيز: تأمين التدفقات الحساسة والاستشارة الوثائقية الخاصة بكل بلد.",
        "paymentsFocus": "التركيز: مواعيد قصوى ممتدة، صرف أجنبي مخصص ومتابعة نقدية على مدار الساعة.",
        "financeFocus": "التركيز: هيكلة قصيرة/متوسطة الأجل وضمانات عمومية.",
        "learnMore": "عرض ملف النشاط",
        "cta": "اكتشف أنشطتنا",
        "details": {
          "lc": {
            "openingItem1": "تحليل الاحتياج وهيكلة الاعتمادات والضمانات المتعددة العملات.",
            "openingItem2": "مرافقة وثائقية وبنود خاصة بالبلدان الحساسة.",
            "openingItem3": "منصة رقمية لإيداع الوثائق والتحقق منها.",
            "confirmItem1": "تأكيد سريع للاعتمادات الصادرة من بنوككم الشريكة.",
            "confirmItem2": "تحمل مخاطر البنك المصدر أو البلد.",
            "confirmItem3": "تنبيهات استباقية حول الاستحقاقات والوثائق المنتظرة.",
            "followItem1": "متابعة لوجستية وتتبع الشحنات.",
            "followItem2": "إدارة التعديلات والتمديدات والتحويلات.",
            "followItem3": "تقارير مجمعة للخزينة والامتثال."
          },
          "payments": {
            "wiresItem1": "حوالات SEPA/SWIFT متعددة العملات مع مواعيد إغلاق ممتدة.",
            "wiresItem2": "خدمة صرف مدمجة لتحويل العملة بأفضل سعر.",
            "wiresItem3": "إشعارات حالة وإثباتات تنفيذ.",
            "collectionsItem1": "تحصيلات وثائقية وتسليمات نظيفة.",
            "collectionsItem2": "سندات لأمر وشيكات وسحوبات دولية.",
            "collectionsItem3": "بوابة لمتابعة مدفوعات العملاء الواردة.",
            "fxItem1": "تحوط فوري وآجل.",
            "fxItem2": "مكتب مخصص للجزائر/ليبيا/أوروبا.",
            "fxItem3": "تنبيهات سوق وتوصيات يومية."
          },
          "finance": {
            "discountingItem1": "خصم الذمم التصديرية والتفويت.",
            "discountingItem2": "تنفيذ سريع عبر التوقيع الإلكتروني.",
            "discountingItem3": "معالجة ذات أولوية للمبالغ الاستراتيجية.",
            "guaranteesItem1": "ضمانات تنفيذ وجمارك ودفع مقدّم.",
            "guaranteesItem2": "ضمانات مقابلة مع بنوكنا المراسلة.",
            "guaranteesItem3": "متابعة تاريخ الانتهاء وإصدار المخالصات.",
            "tradeItem1": "تمويل استيراد/تصدير قصير ومتوسط الأجل.",
            "tradeItem2": "حلول سلسلة الإمداد للمدفوعات والمستحقات.",
            "tradeItem3": "هياكل تمويل مشتركة مع وكالات ائتمان الصادرات."
          }
        },
        "tab": {
          "lc": "اعتماد مستندي",
          "payments": "وسائل الدفع",
          "finance": "التمويل والضمانات"
        }
      },
      "security": {
        "title": "الأمن المالي",
        "subtitle": "مكافحة غسل الأموال وتمويل الإرهاب، التعرّف على الزبون، العقوبات.",
        "kyc": {
          "tag": "التعرّف على الزبون",
          "title": "تحقق دقيق من هوية الزبائن",
          "desc": "إدماج رقمي وفحص في الوقت الفعلي ومراجعات دورية للعملاء.",
          "item1": "ملفات كاملة في 48 ساعة",
          "item2": "مراقبة عقوبات آلية",
          "item3": "بوابة تبادل آمنة"
        },
        "sanctions": {
          "tag": "عقوبات",
          "title": "عقوبات وحظر",
          "desc": "رقابة متعددة القوائم (الاتحاد الأوروبي، OFAC، الأمم المتحدة) وتنبيهات فرق متخصصة.",
          "item1": "محرك تصفية SWIFT",
          "item2": "تحليل نوعي للتنبيهات",
          "item3": "مرافقة العميل"
        },
        "controls": {
          "tag": "رقابة",
          "title": "رقابة دائمة",
          "desc": "إطار 3 خطوط دفاع مع تدقيقات منتظمة وإبلاغ.",
          "item1": "تقييم العمليات",
          "item2": "اختبار مستقل",
          "item3": "لجان متابعة"
        },
        "training": {
          "tag": "تدريب",
          "title": "تدريب وثقافة",
          "desc": "برامج سنوية لمكافحة غسل الأموال وتمويل الإرهاب ووحدات مخصصة لشركائنا.",
          "item1": "تعلم إلكتروني معتمد",
          "item2": "جلسات مهنية",
          "item3": "مراقبة تنظيمية"
        },
        "compliance": {
          "tag": "امتثال",
          "title": "امتثال وإبلاغ",
          "desc": "عمليات متوافقة مع ACPR/EBA مع إبلاغ المسؤولية الاجتماعية والبيئية.",
          "item1": "رقابة مكافحة غسل الأموال وتمويل الإرهاب",
          "item2": "مراجعات PSEE",
          "item3": "لوحات تحكم مخصصة"
        },
        "claims": {
          "tag": "شكاوى",
          "title": "شكاوى وتنبيهات",
          "desc": "معالجة العميل وقناة سرية للإبلاغ عن أي شذوذ.",
          "item1": "إقرار في 48 ساعة",
          "item2": "متابعة مخصصة",
          "item3": "تصعيد ACPR"
        }
      },
      "shareholders": {
        "title": "المساهمون",
        "subtitle": "التوزيع المتكافئ لرأس المال",
        "badgeDZ": "الجزائر",
        "badgeLY": "ليبيا",
        "bea": "بنك الجزائر الخارجي",
        "lfb": "البنك الليبي الخارجي",
        "public": "مساهم عام"
      }
    }
  }
}