The Impact of Credit Risk Management and Macroeconomic Variables on Bank Performance in Nigeria

The aim of this paper is to identify the main impact that credit management and macroeconomic variables have on bank performance in Nigeria. The reason for this is the numerous high level of deposit money banks’ bad debt based on available data. The bad debt tended to have a negative effect on performance. To this end, the researchers conducted a study using macroeconomic data, and other indicators of credit management and bank performance from 2009-2017 using 12 deposit money banks in Nigeria. The ordinary least square (OLS) method was utilized to determine the factors that explains the subject matter. The result showed the presence of a positive connection between the capital adequacy proportion and the sum national income on the Return on Asset. Therefore, Depositing Money Banks with a greater proportion of capital sufficiency can all the more likely develop more advances and retain credit misfortunes whenever it occurs and thus document better financial productivity as for the assets.