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| Open Access |
DOI:
https://doi.org/10.55640/ijefms-9123
LOAN PORTFOLIO QUALITY AND EFFICIENCY OF QUOTED DEPOSIT MONEY BANKS IN NIGERIA
Gabriel Jacob , Department of Accounting, University of Calabar, NigeriaAbstract
This article investigates the relationship between loan portfolio quality and efficiency among quoted Deposit Money Banks (DMBs) in Nigeria. The study analyzes data from financial statements of selected banks to assess loan portfolio quality using metrics such as non-performing loan ratio, loan loss provision ratio, and loan recovery rate. Efficiency is measured through indicators like cost-to-income ratio, return on assets, and return on equity. The findings reveal variations in loan portfolio quality and efficiency among the sampled banks, emphasizing the importance of robust credit risk management practices and efficient resource allocation. The article underscores the need for improved loan portfolio quality to enhance bank efficiency, financial stability, and economic growth.
Keywords
Loan portfolio quality, efficiency, Deposit Money Banks
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