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Effect of Non-Performing Loans on the Profitability of Selected Development Finance Banks in Nigeria

This study looked at the effects of bad loans on the profits of development finance banks in Nigeria. The research used data from five major development banks including Bank of Industry, Nigerian Export-Import Bank, Nigerian Agricultural Cooperative Bank, Infrastructure Bank Nigeria, and Development Bank of Nigeria over a 15-year period from 2010 to 2024. The main goal was to find out if non-performing loans, loan loss provisions, interest income reduction, and loan concentration risk have any real effect on bank profitability measured by return on equity. The results showed that these develop…

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