Sah, Ashish Kumar, and Santosh Saud. 2022. “Impact of Financial Ratios, Operational Efficiency, and Non-Performing Loans on the Profitability of Nepalese Commercial Banks”. The Lumbini Journal of Business and Economics 10 (1-2):1-19. https://doi.org/10.3126/ljbe.v10i1-2.53884.