The Impact of Applying Banking Governance Principles on the Effectiveness of Financial Performance – A Case Study of the National Savings and Reserve Fund Agency No. 303 in Annaba

This study examined the impact of implementing banking governance principles on the financial performance of the National Savings and Reserve Fund Bank Agency No. 303 in Annaba. The researchers adopted a descriptive analytical approach using questionnaires and statistical analysis (SPSS). The results concluded that there is a strong positive relationship between good governance and improved financial efficiency. The principles related to transparency, accountability, and fair treatment among shareholders also showed the greatest impact. The study contributes to enhancing understanding of the relationship between governance and sustainable banking performance in Algeria. The study recommends expanding the application of governance to other government-owned banking institutions.