TALHAOUI , Fares, and Nazim DERRARDJA. “Banking Governance in Algeria: Reality and Prospects, Empirical Study Using an Efficiency Approach”. Journal of Research in Finance and Accounting, vol. 7, no. 02, Dec. 2025, pp. 395-17, https://journals.univ-msila.dz/index.php/jorfa/article/view/3394.