Aug 2026· IIARD INTERNATIONAL JOURNAL OF BANKING AND FINANCE RESEARCH· 0 citations
Abstract
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, representing a stratified sample of licensed deposit money
banks in the country. Both descriptive and inferential statistical techniques were employed in
analyzing the data, with STATA software used for inferential analysis. The findings reveal that
Non-Performing Loans have a negative but statistically insignificant impact on bank stability,
while Capital Adequacy has a positive and statistically significant effect. Based on these findings,
the study recommends that bank management should ensure accurate classification and reporting
of loan portfolios, in line with established accounting principles. Furthermore, it emphasizes the
importance of maintaining an adequate capital base to enhance resilience against market risks,
ensure liquidity, and protect against insolvency. These measures are essential for sustaining the
financial health and operational efficiency of commercial banks in Nigeria.
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, r...
Mohammed Igemohia· JOURNAL OF BUSINESS AND AFRI...· 0 citations
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...
Ime T. Akpan· 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
The stability of commercial banks is essential to economic growth, yet rising non-performing loans (NPLs) continue to threaten the health of the banking sector. This study examined the effect of non-performing loans on the financial stability of thirteen quoted commercial banks in Nigeria over the period 2015–2024. Usi...
Glory Ngozi Chukwu, T. Muritala· The Journal of Innovations· 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
Effective credit management is essential to maintaining liquidity and financial stability in deposit money banks (DMBs). This study examined the effect of credit management on the liquidity of listed DMBs in Nigeria over the 11-year period from 2014 to 2024. Liquidity, the dependent variable, was proxied by credit risk...
P. Bako, U. Tanko, Naphtaline Garba Tanko· Mikailalsys Journal of Mathe...· 0 citations
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