Ozigbo, Sylvester A. and Ekane, Rapheal Ogagaoghene (2022) Credit Risk and Performance of Deposit Money Banks in Nigeria. European Journal of Accounting, Auditing and Finance Research, 10 (3). pp. 31-41. ISSN 2053-4086(Print), 2053-4094(Online)
![[thumbnail of Credit Risk and Performance of Deposit Money Banks.pdf]](https://tudr.org/style/images/fileicons/text.png)
Text
Credit Risk and Performance of Deposit Money Banks.pdf - Published Version
Available under License Creative Commons Attribution Non-commercial No Derivatives.
Download (539kB)
Abstract
The research focuses on the impact of credit risk on the performance of deposit money banks in Nigeria. It covers the period between 2000 and 2020 .Secondary data sourced from the Central Bank of Nigeria and annual reports of the selected banks were utilized for the study. Ordinary Least Square estimation technique which is compatible with the multiple regression method was also adopted .It was discovered that capital adequacy and non-performing loan were not statistically significant in influencing the changes in bank performance, while loan loss provision as well as loan and advances were significant to changes in bank performances with in the period of the study. It was therefore recommended that the regulatory authority should ensure that banks are focused on their primary role of supplying needed funds for the real sector to finance their investment. Also, Deposit money banks should be encouraged to reduce their service charges. This is the only way their impact can be felt as one of the drivers of economic growth in Nigeria.
| Item Type: | Article |
|---|---|
| Uncontrolled Keywords: | Loan overhang, pre-provision profit, liquidity-profitability trade off, deposit mobilization |
| Subjects: | H Social Sciences > HF Commerce > HF5601 Accounting |
| Depositing User: | Content Creator |
| Date Deposited: | 27 Mar 2022 13:19 |
| Last Modified: | 27 Mar 2022 13:19 |
| URI: | https://tudr.org/id/eprint/79 |
Actions (login required)
- View Item
CORE (COnnecting REpositories)
CORE (COnnecting REpositories)