KHADKA , Prem; PRADHAN, Sumit. Commercial Bank Net Interest Margins, Default Risk, Interest Rate Risk and off-balance sheet banking: A Case of Nepalese Commercial Banks. Nepalese Journal of Finance, [S. l.], v. 11, n. 4, p. 242–263, 2024. DOI: 10.3126/njf.v11i4.79779. Disponível em: https://www.nepjol.info/index.php/njf2/article/view/79779. Acesso em: 9 dec. 2025.