Asif Saeed Naji, Abdul Ghaffar and Muhammad Shujaat Saleem 2024. Default Risk Management and Macroeconomic factors are crucial for effective financial performance of commercial banks in Pakistan. Wah Academia Journal of Social Sciences. 3, 2 (Dec. 2024), 709–731. DOI:https://doi.org/10.63954/WAJSS.3.2.37.2024.