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 as...
The study investigated the relationship between credit policy instruments and bank lending in Nigeria from 2000 to 2025. The objective of the study was to establish the effect of credit policy instruments such as the Monetary Policy Rate (MPR), Cash Reserve Ratio (CRR), Liquidity Ratio (LR), and capital adequacy rat...
This research aims to measure the impact of capital adequacy on profitability indicators in Iraqi banks for the period 2015–2024. Capital adequacy ratio (CAR) is the independent variable, while return on assets (ROA) and return on equity (ROE) are the dependent variables. The research's significance stems from the vita...
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...
This study investigated the relationship between the upside potentials inherent in credit risk and the performance of deposit money banks (DMBs) in Nigeria. While credit risk is traditionally perceived as a threat to banking stability, emerging evidence suggests that it can also present opportunities for enhanced pr...
This study examined the effect of monetary policy instruments on the performance of deposit money banks in Nigeria over the period 2010–2023. Specifically, the study investigated the impact of the Cash Reserve Ratio (CRR), Liquidity Ratio (LQ), and Monetary Policy Rate (MPR) on bank profitability, measured by Return on...
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