Sep 2026· JOURNAL OF BUSINESS AND AFRICAN ECONOMY· 0 citations
Abstract
This study investigated the effect of non-performing loans on financial performance of listed
deposit money banks in Nigeria. Secondary data was obtained from 2012-2023 and the study
population comprised all listed deposit money banks, out of which 14 were sampled. Panel
data obtained were analyzed using descriptive, regression diagnostic and inferential statistical
tools. The fixed random effect panel regression result revealed that non-performing loans (tvalue = -3.02; p-value = 0.003 < 0.05%) significantly influence financial performance of the
listed deposit money banks in Nigeria. The study recommends that management of deposit
money banks should be more equipped with the right skills and experience in ensuring safe and
smooth use of provision of loans losses. The study contributes to knowledge by showing that
non-performing loan significantly affects performance of deposit money banks in Nigeria. In
addition, future studies may consider extending data till 2024 as well as investigating how
investments and cash flow decisions can mediate in the relationship between credit risk
management and financial performance and value of deposit money banks in Nigeria.
This study investigates the effect of Non-Performing Loans (NPLs) and Capital Adequacy on the
stability of commercial banks in Nigeria. Utilizing a quantitative research approach, the study
focused on eight (8) commercial banks with international authorization listed on the Nigerian
Stock Exchange as of December 2022,...
Ass. Prof A. A. Hamidu· IIARD INTERNATIONAL JOURNAL...· 0 citations
Many Nigerian listed banks face significant challenges with non-performing loans, where
borrowers fail to meet their repayment obligations. Perhaps, factors such as poor credit
assessment, economic fluctuations, and weak loan monitoring have contributed to the
accumulation of non-performing loans, making it difficul...
Obiageli Chinwe Nnabugwu· World Journal of Finance and...· 0 citations
This study examined the impact of credit risk on the performance of deposit money banks in Nigeria
from 1994 to 2024. This study sought to achieve the following objectives; to examine the impact
of nonperforming loan on total asset of deposit money banks performance in Nigeria, to examine
the impact of loan loss provis...
Olatubosun Felix Jolaiya· IIARD INTERNATIONAL JOURNAL...· 0 citations
The persistence of non-performing loans (NPLs) among Nigerian deposit money banks, despite comprehensive Central Bank of Nigeria (CBN) guidelines on credit risk management and loan classification, raises questions about how internal risk management practices translate into financial performance. Two concerns motivated...
Oyetunji Williams Ogundele, P. Akanbi· International journal of res...· 0 citations
This study investigates the relationship between non-performing loans (NPLs) and the
profitability of deposit money banks in Nigeria, specifically focusing over a 15-year period from
2009 to 2023. The primary objective is to assess how NPLs impact the bank's profitability, with
sub-objectives examining the effect of...
Samuel Dibiah· IIARD INTERNATIONAL JOURNAL...· 0 citations
This study examined the effect of operating cash flow ratio and deposit to total asset ratio on
financial performance of listed deposit money banks in Nigeria. Financial performance was
measured by return on assets. An ex post facto and causal research design was adopted, using
panel data obtained from the audited a...
Jacob Olatunde Aweda· International Journal of Eco...· 0 citations
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