FINANCIAL REFORMS AND NET INTEREST MARGINS IN BANKING IN PAKISTAN: A PANEL DATA ANALYSIS - Madiha‌Kamal; Iftikhar,‌Syed‌Faizan; Qureshi,‌Abdul‌Aleem; Alam‌Rizvi,‌Syed‌Aamir and (PalArch's Journal of Archaeology of Egypt, 2021)