Hakimi, Abdelaziz; Saidi, Hichem; Saidi, Soumaya - In: International Journal of Financial Studies : open … 13 (2025) 2, pp. 1-21
fluctuations, which have impacted non-performing loans (NPL) levels. At the same time, over the years, reforms and regulations have … risk management and reduce non-performing loans. …, which influences risk management and reduces banks' risk-taking behaviours. Hence, effective governance can reduce non-performing …