International records / OpenAlex research

Non-Performing Loans and Profitability of Deposit Money Banks in Nigeria

This study investigates the relationship between non-performing loans (NPLs) and the profitability of deposit money banks in Nigeria, specifically focusing over a 15-year period from 2009 to 2023. The primary objective is to assess how NPLs impact the bank's profitability, with sub-objectives examining the effect of non-performing loan ratio, growth rate, and coverage ratio on return on assets (ROA). The research employs a quantitative approach, utilizing secondary data sourced from Deposit Money Banks annual reports to analyze trends and correlations. Data collection involved extracting relev…