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ABSTRACT
This study sought to investigate the impact of credit risk management on the performance of listed deposit money bank in Nigeria. The panel regression technique was applied in analysis the panel data from 2006 to 2018 covering 12 banks in Nigeria. The return on asset was used as proxy for bank performance (dependent variable) and the bank non-performing loan ratio, bank loan to deposit ratio as well as bank leverage were used as the independent variables. The result of the empirical tests showed a significant relationship between credit management and bank performance. The bank non-performing loan ratio had an indirect (negative) relationship with the performance of the banks. On the other hand, bank loan to deposit ratio had a direct impact on the performance of banks in Nigeria. However, bank leverage did not have any impact on the performance of bank in Nigeria. It is therefore, recommended that bank credit should be channeled to self-liquidating projects as well as monitored and managed efficiently to boost bank performance.
