Bhandari, N. 2024. Effect of Bad Debts (NPL), Market Capitalization, Operation Cost, Capital Adequacy, Cash Reserve on the Profitability of Nepalese Commercial Banks. Nepalese Journal of Finance. 11, 4 (Dec. 2024), 41–60. DOI:https://doi.org/10.3126/njf.v11i4.79769.