ASSESSING CREDIT RISK AND LENDING PATTERNS IN THE NIGERIAN BANKING SECTOR

This article aimed to assess credit risk and lending patterns in the Nigerian banking sector. It collected secondary data yearly time series from 2007 2020 analyze nonperforming loans, liquid reserves asset ratio, capital-to-asset domestic credit, exchange rate their effects on rate. The constructed analyzed model was estimated via least square technique achieve its goals. findings of this research reveal a beneficiary influence bank While ratio exhibit inverse relation with Hence, relationship between are statistically significant Capital-to-asset an insignificant correlation suggests that private individuals business entities should exercise caution when taking out loans ensure total amount borrowed is sufficient cover all needs. Banks must use making loans; prime motive for money not be merely make profit. Credit considered substantial; banks need lower loan portfolio, by this, both clients will experience great benefits.