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An Analysis of Credit Risk Management and the Financial Performance of Deposit Money Banks in Nigeria: An ARDL Analysis of Access Bank Plc, Nigeria

This study examines the short-run and long-run effects of credit management on the financial performance of Nigerian commercial banks from 2015 to 2025. Using an Autoregressive Distributed Lag (ARDL) model, the analysis incorporates key credit risk indicators; Non-Performing Loans (NPLs) and Loan Loss Provisions (LLPs) alongside macroeconomic variables such as inflation and exchange rate. The findings reveal that NPLs and LLPs exert significant negative effects on Return on Assets (ROA) and Return on Equity (ROE) in both the short and long run, demonstrating that deteriorating asset quality an…

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from https://aksujomas.org.ng/articles/26/06/an-analysis-of-credit-risk-management-and-the-financial-performance-of-deposit-money-banks-in-nigeria-an-ardl-analysis-o
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Source	OpenAlex research
Collection	International records
Kind	Document
Publisher	AKSU Journal of Management Sciences
Date	2026-06-15
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/10.61090/aksujomas.11318
Archived copy	Look it up in the Wayback Machine
Record ID	`openalex:W7167699154`

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An Analysis of Credit Risk Management and the Financial Performance of Deposit Money Banks in Nigeria: An ARDL Analysis of Access Bank Plc, Nigeria. OpenAlex research, 2026. Vero Archive, record openalex:W7167699154.