International records / OpenAlex research

Credit Risk Management on the Performance of Commercial Banks in Nigeria

This article examines the effect of credit risk management on the performance of commercial banks in Nigeria between 2009 and 2023. Using an ex-post facto research design, secondary data were obtained from the Central Bank of Nigeria (CBN) statistical bulletins and banks’ annual reports. The model employed return on assets (ROA) as a proxy for bank performance, while non-performing loans (NPLs), cash reserve ratio (CRR), and interest rate (INTR) were used as measures of credit risk. Ordinary Least Squares (OLS) regression was applied to evaluate the relationships. The results reveal that NPLs …