Rabindra BhattaraiShambhawana Pokharel2025-04-212025-04-212024https://hdl.handle.net/20.500.14540/24830This study investigates the credit management of commercial banks in Nepal. Nepalese commercial banks provided secondary data for ten-year periods (2013/14 2022/23). For data analysis, multiple regression analysis and correlation are used. This study demonstrates that EBL has the lowest credit risk position among them, as seen by the non-performing loan ratio, which suggests that EBL is doing the best or preserving its NPLs properly. NABIL's profitability position in terms of ROA allowed them to manage their whole activities because of their highest ratio. But out of all of them, NABIL has the finest or most efficient management for making money. Furthermore, because NABIL has the greatest ROE, it may be claimed that it is producing more money and doing better than the others. The correlation study shows that the leverage ratio and cash reserve ratio (CRR) have a strong positive relationship with ROE and an insignificant negative relationship with ROA. Similarly, the profitability ROA and ROE are significantly positively correlated with the credit to deposit ratio (CDR). Nonetheless, there is a negligible inverse link between the non performing loan ratio and ROE and ROA. Additionally, bank size shows a strong negative correlation with the banks' ROE and an insignificant negative correlation with their ROA. The cash reserve ratio has a negligible negative influence on the banks' ROE and a negligible positive impact on their ROA, according to multiple regression analysis. Nonetheless, the ratio of credit to deposits significantly boosts profitability. However, the ratio of non-performing loans has a major detrimental effect on profitability. Additionally, the leverage ratio has a negligible negative effect on the sample banks' ROE and a considerable negative impact on their ROA. Furthermore, the profitability (ROA and ROE) of Nepal's commercial banks is negligibly impacted by bank size.en-USThesis