Specific number of 1s in a 0s - 1s matrix

I want to create a NxN matrix or random 1s and 0s so that in every row can appear 2 - two 1s and N-2 0s or k-1 same in every row

The problem is that I cannot have a 1 in its diagonial [bank i cannot lend or borrow from bank i]

What I have till now is

% d=3; % minimum ones per row (it creates more than 2 !!! )
d=randi([2 Num_of_Banks] , 1); 
% minimum ones per row (it puts 1s in diag which is multiplied with 0 so I finally have 1 one so I must use a return or break I suppose)
a1 = zeros(Num_of_Banks, Num_of_Banks);
for it5 = 1:Num_of_Banks
    a1(it5 , :) = randperm(Num_of_Banks) <= d;
end
a1;
Initial_Network = a1 .* (ones(Num_of_Banks) - eye(Num_of_Banks))

I have searched but I found nothing although I know that this must have been answered before

If someone can help

Answer 1

[Walter Roberson]

for it5 = 1:Num_of_Banks
    a1(it5 , setdiff(1:Num_ofBanks, it5)) = randperm(Num_of_Banks-1) <= d;
end

Answer 2

[Bruno Luong]

N=10;
d=3;

[~,c] = mink(rand(N,N-1),d,2);
r = (1:N)';
c(c>=r) = c(c>=r)+1;
A = accumarray([repmat(r,[d,1]),c(:)],1,[N N])

% Check
all(diag(A)==0) % TRUE
sum(A,2) % return Nx1 vector with d

Answer 3

[Antonio Grivas]

Thank you very much for your replies ppl