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ABSTRACT
The study examines the effect of inflation risk on the performance of deposit money banks within the period 2019 – 2023, using descriptive statistics, and correlation analysis and panel data regression techniques. The study found out that inflation has a negative insignificant impact on deposit money banks performance; Interest rate has a negative insignificant impact on deposit money banks performance; Exchange rate has a positive significant impact on deposit money banks performance.
The study recommends that deposit money banks ought to implement strong frameworks for managing risk, with a particular focus on inflation risk; Banks ought to think about modifying their lending and deposit interest rates to reflect anticipated inflation; Deposit money banks should regularly analyze and reevaluate borrowers' creditworthiness while taking the inflationary climate into account. Banks should modify lending policies by making sure sufficient collateral is in place and, if needed, tighten lending standards.
