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International Journal for Research Trends and Innovation
International Peer Reviewed & Refereed Journals, Open Access Journal
ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Issue: March 2026
Volume 11 | Issue 3
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Impact Factor : 8.14
Issue per Year : 12
Volume Published : 11
Issue Published : 118
Article Submitted : 21545
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Total Authors : 22414
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| Paper Title: | Credit Risk Management and bank performance: Evidence from Nigeria deposits Money Banks |
| Authors Name: | Abdul Kerim , Omale Sunday , Faruna Monday |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJRTI_209291
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| Published Paper Id: | IJRTI2601108 |
| Published In: | Volume 11 Issue 1, January-2026 |
| DOI: | |
| Abstract: | Abstract This study examines the effect of credit risk management on the performance of selected deposit money banks in Nigeria. Panel data were obtained from the published annual reports of sampled banks over a period of 10 years (2016 – 2025). Descriptive statistics, correlation analysis, and panel regression techniques were employed for data analysis. Credit risk management was proxied by non-performing loans, loan loss provisions, and capital adequacy, while bank performance was measured using return on assets. The Hausman specification test supported the use of the fixed effects model. The empirical results reveal that credit risk indicators have a statistically significant effect on bank performance, with non-performing loans showing a negative and significant relationship with profitability. The findings revealed that weak credit risk management practices adversely affect bank performance. The study concludes that strengthening credit appraisal, monitoring, and recovery processes is essential for improving profitability and ensuring financial stability in the banking sector. The study contributes to the literature by providing empirical evidence from an emerging economy and offers practical insights for bank managers and regulators. In conclusion, the study provides robust empirical evidence that effective credit risk management is a critical determinant of bank performance in Nigeria. By highlighting the adverse effect of poor credit quality on profitability, the findings indicate the need for stronger risk control frameworks and proactive regulatory oversight to enhance financial stability in the banking sector |
| Keywords: | Keywords: Credit risk management; Bank performance; Deposit money banks; Panel data and Liquidity risk |
| Cite Article: | "Credit Risk Management and bank performance: Evidence from Nigeria deposits Money Banks ", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2455-2631, Vol.11, Issue 1, page no.b37-b48, January-2026, Available :http://www.ijrti.org/papers/IJRTI2601108.pdf |
| Downloads: | 000132 |
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2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2601108
Registration ID:209291
Published In: Volume 11 Issue 1, January-2026
DOI (Digital Object Identifier):
Page No: b37-b48 Country: Lokoja, Kogi, Nigeria Research Area: Management Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2601108 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2601108 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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