Appraisal Of Effect Of Credit Management On Bank Profitability In Nigeria:- Iroka Peace U
ABSTRACT
The study appraised the effect of credit
management on bank profitability in Nigeria from 1995 to 2017. Data used for
the study was sourced from Central Bank of Nigeria Statistical Bulletin and
Nigerian Deposit Insurance Corporation Annual Report. Bank profitability was
proxied by return on assets while lending and credit management were measured
by loans and advances, non-performing loans, lending rate and loan loss
provision. The tool for data analysis was multiple regression based on Ordinary
Least Squares technique. It was found that commercial banks loans and advances
had a positive and significant effect on profitability, while non-performing
loans ratio had a negative but significant effect during the study period. On
the other hand, the effect oflending rate and loan loss provision were
insignificant. Based on the findings, it was recommended among other things
that commercial banks in Nigeria should strictly adhere to their credit
appraisal policies which ensures that only credit worthy borrowers have access
to loanable funds.
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IROKA, U (2026). Appraisal Of Effect Of Credit Management On Bank Profitability In Nigeria:- Iroka Peace U. Repository.mouau.edu.ng: Retrieved Feb 10, 2026, from https://repository.mouau.edu.ng/work/view/appraisal-of-effect-of-credit-management-on-bank-profitability-in-nigeria-iroka-peace-u-7-2
UJUNWA, IROKA. "Appraisal Of Effect Of Credit Management On Bank Profitability In Nigeria:- Iroka Peace U" Repository.mouau.edu.ng. Repository.mouau.edu.ng, 10 Feb. 2026, https://repository.mouau.edu.ng/work/view/appraisal-of-effect-of-credit-management-on-bank-profitability-in-nigeria-iroka-peace-u-7-2. Accessed 10 Feb. 2026.
UJUNWA, IROKA. "Appraisal Of Effect Of Credit Management On Bank Profitability In Nigeria:- Iroka Peace U". Repository.mouau.edu.ng, Repository.mouau.edu.ng, 10 Feb. 2026. Web. 10 Feb. 2026. < https://repository.mouau.edu.ng/work/view/appraisal-of-effect-of-credit-management-on-bank-profitability-in-nigeria-iroka-peace-u-7-2 >.
UJUNWA, IROKA. "Appraisal Of Effect Of Credit Management On Bank Profitability In Nigeria:- Iroka Peace U" Repository.mouau.edu.ng (2026). Accessed 10 Feb. 2026. https://repository.mouau.edu.ng/work/view/appraisal-of-effect-of-credit-management-on-bank-profitability-in-nigeria-iroka-peace-u-7-2