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Credit Risk Management and Financial Performance of Deposit Money Banks in Nigeria

This study investigates the effect of credit risk on the financial performance of selected deposit money banks in Nigeria over the period 2012–2024. Using panel data for five banks, the study applies the Fully Modified Ordinary Least Squares (FMOLS) technique to examine the long-run relationship between credit risk indicators and bank profitability. Financial performance is measured by return on assets (ROA), while credit risk is proxied by non-performing loans and loan loss provisions. The empirical results reveal that credit risk has a negative and statistically significant effect on bank pe…

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Source	OpenAlex research
Collection	International records
Kind	Document
Publisher	International Journal of Research and Innovation in Social Science
Date	2026-01-01
Type	article
Details	openalex authorships.countries:NG,primary topic.subfield.id:3320\|3321\|3308\|1202\|3303\|3312\|2002\|2000\|2003 + local /\bnige
Found at	https://doi.org/10.47772/ijriss.2026.100300619
Archived copy	Look it up in the Wayback Machine
Record ID	`openalex:W7155599748`

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Credit Risk Management and Financial Performance of Deposit Money Banks in Nigeria. OpenAlex research, 2026. Vero Archive, record openalex:W7155599748.