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Nigeria Journal of Management Sciences (NJMS), Benue State University

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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 08023210707

Ikenna Jude Ezeudu, Ph.D: Department of Banking and Finance, College of Management Sciences, Michael Okpara University of Agriculture Umudike 08036716491

Ekemezie Livinus Ifeanyichukwu, Ph.D: Department of Marketing, University of Nigeria, Enugu Campus.


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.

To get access to the full text of this article: Faculty of Management Sciences, Benue State University, Makurdi, Nigeria.

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