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Examine the Impact of Total Bad Debts on the Performance of Deposit Money Banks in Nigeria

This study examines the impact of Total Bad Debts (TBD) on the performance of deposit money banks in Nigeria. Total bad debts, which represent unrecoverable loans, remain a critical indicator of credit risk and a major challenge to bank profitability and financial stability. The study adopts a longitudinal research design using secondary data obtained from the financial statements of eight (8) selected deposit money banks in Nigeria over a nine-year period spanning 2014–2022. The analysis employs the Panel Autoregressive Distributed Lag (ARDL) model to evaluate the relationship between total b…

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    from https://iiardjournals.org/get/IJEFM/VOL. 11 NO. 5 2026/EXAMINE THE IMPACT OF TOTAL 106-122.pdf