International records / OpenAlex research

Risk Management Implications on Performance of Deposit Money Banks in Nigeria (1998-2016)

This study examined risk management implications on the performance of deposit money banks in Nigeria. Risk management is a core of lending function in the banking industry. Many Nigerian banks had failed in the past due to inadequate risk exposure. In modeling, bank performance was used as the dependent variable represented by return on assets (ROA), While for the influence of credit risk, the ratios of total loan to deposit (LDR), non-performing loans to total loans (NLTL) and total loans to total assets (TLTA) are used as the independent variables. The data were obtained from the Financial …