December 3, 2025Open Access

Financial Risk and Profitability of Listed Deposit Money Banks in Nigeria

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Discussion

Panel regression shows credit and operational risks negatively impact profitability in Nigerian banks, indicating vulnerabilities remain.

Profitability is negatively affected by operational and credit risks, impacting overall bank earnings.
Market risk, represented by inflation, has a modest negative effect, while liquidity risk has no significant relation.
Analysis utilized a panel regression method with the Feasible Generalized Least Squares estimator for robust results.
Findings highlight the need for banks to improve credit monitoring, invest in technology, and adopt strategies to manage market risks.

Yusuf et al. (2025) studied this question.

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