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Credit Risk Management and Bank Performance Indicators: Consideration for Financial Education

This study synthesizes the nexus between credit risk management and bank performance indicators in Nigeria, specifically determining the effects of capital adequacy (CAR), loan-loss provisioning (LLP) and loan-to-total-assets ratio (LTAR) on return on assets (ROA), using annual data between 2000 and 2024 from the Central Bank of Nigeria and the Nigeria Deposit Insurance Corporation. An Autoregressive Distributed Lag (ARDL) framework was applied to capture both short-run dynamics and long-run relationships. Bounds testing indicates a dynamic long-run relationship among the variables, but short-…

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from https://iiardjournals.org/get/JAFM/VOL. 12 NO. 4 2026/CREDIT RISK MANAGEMENT AND BANK 250-259.pdf
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Source	OpenAlex research
Collection	International records
Kind	Document
Publisher	JOURNAL OF ACCOUNTING AND FINANCIAL MANAGEMENT
Date	2026-09-04
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/10.56201/jafm.vol.12.no4.2026.pg250.259
Archived copy	Look it up in the Wayback Machine
Record ID	`openalex:W7208783904`

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Credit Risk Management and Bank Performance Indicators: Consideration for Financial Education. OpenAlex research, 2026. Vero Archive, record openalex:W7208783904.