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Credit Risk Management Effectiveness and Profitability of Deposit Money Banks in Nigeria

This study examines the effect of credit risk management on the profitability of 25 deposit money banks (DMBs) in Nigeria over the period 2016–2025, a decade marked by macroeconomic turbulence, regulatory tightening, and the full implementation of IFRS 9. Using a balanced panel of 250 bank-year observations and the System Generalized Method of Moments (GMM) estimator, the study investigates the individual and joint effects of the non-performing loan ratio (NPLR), loan loss provision ratio (LLPR), and capital adequacy ratio (CAR) on bank profitability, measured by return on assets (ROA) and ret…

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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.2026.100801043
Archived copy	Look it up in the Wayback Machine
Record ID	`openalex:W7214564642`

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Credit Risk Management Effectiveness and Profitability of Deposit Money Banks in Nigeria. OpenAlex research, 2026. Vero Archive, record openalex:W7214564642.