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11 _ X . GREFFE , politique économique - Economica, paris 1987 .

12 _ .Peter J . HALL and B . Julian Beecham, Elements Of Banking ( London: Longman Group U.K.Limited, 1987 ) .

) 13- A.A. HEGGESTED , Market Structure, Risk and Profitability in Commercial Banking , The Journal of Finance ( Vol. 11, No.4, September, 1977 ) .

14 _ Ahmed . HENNI , Economie de L Algerie independante , Algerie , 1991.

Management ( New York : 15 _ Paul F . JESSUP , Modern Bank West Publishing Co . ;1980 ) .

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17 _ ( Luckett , Dudley G , Money and Banking , Third Eddition . New York ; Mc Graw – Hill Book Company ..

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