Conference Paper

NON-PERFORMING LOAN PORTFOLIO AND FINANCIAL PERFORMANCE OF LISTED DEPOSIT MONEY BANKS IN NIGERIA

ABSTRACT This paper examined the effect Impact the non-performing loan portfolio on the listed deposit money bank's organizational performance in Nigeria. However, the specific objective examined the relationship between the credit risk rate, lending rate, and exchange rate volatility and the return on equity of Nigerian listed deposit money institutions. Using an ex-post facto design, data were collected from 10 banks over 10 years (2012–2021). Results show credit risk and exchange rate volatility significantly reduce return on equity, while average lending rate had no effect. The study recommends proactive loan management, portfolio diversification, and stress testing to reduce default risk and improve financial health.