Diab, S. A. “The Extent of Intellectual Capital Contribution to Organizational Development Processes in Commercial Banks: An Empirical Study on North Africa Bank – Head Office – Tripoli”. Al-Qurtas Journal for Human and Applied Sciences, vol. 9, no. 29, Jan. 2026, pp. 180-05, doi:10.66045/qjhar.v9i29.8.