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Faculty of Management Sciences,
Benue State University, Makurdi, Nigeria.
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Nigeria Journal of Management Sciences (NJMS), Benue State University
The Impact of Credit Risk Management on Deposit Money Banks Performance in Nigeria
Patrick Ojiakor Njoku Ph.D, FCA, CISA: Department of Banking & Finance Federal University, Ndufu-Alike Ikwo Ebonyi State paty_njoku@yahoo.com 08023210707
Ikenna Jude Ezeudu, Ph.D: Department of Banking and Finance, College of Management Sciences, Michael Okpara University of Agriculture Umudike ikennaezeudu2014@yahoo.com 08036716491
Ekemezie Livinus Ifeanyichukwu, Ph.D: Department of Marketing, University of Nigeria, Enugu Campus.
Abstract
This paper investigated the impact of credit risk management on the performance of commercial banks in Nigeria. Financial reports of seven commercial banking firms were used to analyze for seven years (2005 – 2011). The panel regression model was employed for the estimation of the model. In the model, Return on Equity (ROE) and Return on Asset (ROA) were used as the performance indicators while Non-Performing Loans (NPL) and Capital Adequacy Ratio (CAR) as credit risk management indicators. The findings revealed that credit risk management has a significant impact on the profitability of commercial banks' in Nigeria.Key words: Commercial Bank, Risk, Management, Resources, Assessment.
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