References
Abdullah, M., Shahimi, S., & Ismail, A.G. (2011). Operational risk in Islamic banks: examination of issues. Qualitative Research in Financial Market, 3(2), 131-151. Abdullahi, I. B. (2007). Banking Sector Reforms and Bank Consolidation in Nigeria: Challenges and Prospects. Business Journal of Management and Social Sciences 6(1), 116-125. Abiola, I., & Olausi, S (2014). The impact of credit risk management on the commercial banks performance in Nigeria, International Journal of Management and Sustainability, Conscientia Beam, 3(5), 295-306. Acemoglu, D., Ozdaglar, A., & Tahbaz-Salehi, A. (2015). Systemic risk and stability in financial networks. American Economic Review, 105(2), 564-608. Adebayo, A. O., & Oluwaremi, F. (2017). Relationship between credit risk management and the performance of money deposit banks in Nigeria. IOSR Journal of Economics and Finance (IOSR-JEF), 8(2), 38 - 48. Adebisi, O. S., Adeusi, S. O., Akeke, N. I., & Oladunjoye, O. (2013). Risk management and financial performance of banks in Nigeria. Journal of Business and Management. 14(6), 113 - 126. Adegbie, F. F., & Dada, O. T. (2018). Risk assets management, liquidity management and sustainable performance in Nigeria deposit money banks. International Journal of Accounting Research, 6(2), 1 – 10. Adegbie, F. F., & Otitolaiye, E. D. (2020). Credit risk and financial performance: an empirical study of deposit money banks in Nigeria. European Journal of Accounting, Auditing and Finance Research, 8(2), 38-58. Adekunle, O., Agbatogun, T., Alalade, S. Y., & Cole, A. (2015). Credit risk management and financial performance of selected commercial banks in Nigeria. Journal of Economic & Financial Studies, 03(01), 1- 9. Adidu, F. A., Akintoye, I. R., & Owojori, A. A. (2011). The challenge of risk management in Nigerian banks in the post consolidation era. Journal of Accounting and Taxation, 3(2), 21-23. Afonso, A., & Jalles, J. T. (2015). Fiscal sustainability: a panel assessment for advanced economies. Appl Econ Lett. 22(11), 925–929. Ahmad, A. (2018). Does profitability of Jordanian commercial banks get affected by risk? Management practices? European Journal of Scientific Research, 148(3), 319-332. Ahmad, N.H., & Ariff, M. (2007). Multi-country study of bank credit risk determinants. International Journal of Banking and Finance, 5(1), 135-152. Akinselure, O. P., & Akinola, T. A. (2019). Impact of credit risk management on profitability of selected deposit money banks in Nigeria. International Journal of Economics, Commerce and Management United Kingdom, 7(9), 78-98. Akinselure, O., & Akinola, A. (2019).Impact of credit management on financial performance of Deposit money banks in Nigeria, International Journal of Economics, Commerce and Management, 7(9), 254-269. Ali, C., Bojan, G., & Roger, A. (2018). Determinants of financial performance of banks in Central and Eastern Europe. BEH - Business and Economic Horizons, 14(3), 513-529. Ali, S.A. (2015). The effect of credit risk management on financial performance of the Jordanian commercial banks. Investment Management and Financial Innovations, 12(1-2), 335-345. Alshatti, A.S. (2015). The effect of credit risk management on firm value of Jordanian commercial banks. Investment Management and Financial Innovations, 12(1-2), 338- Al-Tamimi, H., Hussein, A., Miniaoui, H., & Elkelish, W.W. (2015). Financial risk and Islamic banks’ performance in the Gulf Cooperation Council Countries. International Journal of Business and Finance Research, 9(5), 103-112. Anetoh, V. C., Nwadialor, E. O., Anetoh, J. C., & Okeke, G. N. (2021). Effect of credit and operational risk management on firm value of deposit money banks in Nigeria. African Journal of Accounting and Financial Research, 4(1), 14-32). Annor, E.S. & Obeng, F.S. (2017) Impact of credit risk management on profitability of selected commercial banks listed on the Ghana stock exchange. Journal of Economics, Management and Trade, 20(2), 1-10. Aruwa, S.A & Naburgi, M.M. (2014). Impact of capital adequacy on the financial performance of quoted deposit money banks in Nigeria. International Journal of Commerce and Management, 5(2), 186-201. Azam, A. (2018). Measuring credit risk management and its impact on bank performance in Iran. Marketing and Branding Research, 5, 168 – 183. Belás, J., Gavurová, B., Mišanková, M., & Schönfeld, J. (2017). Credit risk management: financial safety and sustainability aspects, Journal of Security and Sustainability Issues 7(1), 79–93. Belayet, H., Muhammad, M., Qingfeng, C., & Syeda, S. P. (2020). Capital structure, financialperformance, and sustainability of micro-finance institutions (MFIs) in Bangladesh. Sustainability (MDPI), 12, 6222, 1 – 18. Bhattarai, Y.R. (2016). The effect of credit risk on the performance of Nepalese commercial banks. NRB Economic Review, 28(1), 41-62. Bishnu, P. (2019). Effect of credit risk on the financial performance of commercial banks in Nepal. European Journal of Accounting, Auditing and Finance Research, 7(5), 87-103. Boyd, John H., & Runkle, David E. (1993). Size and performance of banking firms: testing the predictions of theory. Journal of Monetary Economics, Elsevier, 31(1), 47-67. Chapelle, A. & Crama, Y. (2008). Practical methods for measuring and management of liquidity and funding risk management, International Journal of Business and Research, 3(3), 99-123. Charles O., Maryanne M., & Willy M. (2015). The effects of deposit to asset ratio on the financial sustainability of deposit taking micro finance institutions in Kenya. International Journal of Economics, Commerce and Management United Kingdom. III (8), 67-88. Chukwunulu, J., Ezeabasili, N., & Igbodika, M. (2018). Risk management and the performance of commercial banks in Nigeria. IIARD International Journal of Banking and Finance Research, 5(1), 231-247. Claessens, S., & Van Horen, N. (2015). The impact of the global financial crisis on banking globalization. IMF Economic Review, 63(4), 868-918. Ebrahim, A., Khalil, A., Kargbo, M., & Xiangpei, H. (2016). A study of credit risk and commercial bank performance in Yemen: Panel evidence. Journal of Management policies and Practices, 4(1)57-69. Ejoh, N.O., Okpa, I. B., & Egbe, A. A. (2014). The impact of credit and liquidity risk management on the profitability of deposit money banks in Nigeria. International Journal of Economics, Commerce and Management, 2(9)1-15. Emeka N., & Nenubari Ikue-John (2019). Dynamics of capital adequacy and profitability of internationalized deposit money banks in Nigeria. Bussecon Review of Finance & Banking. BRFB, 1(1), 2687 - 2501. Emily, B. N., Irom, I. M. Olalekan, L. I., & Mustapha, L. O. (2018). Corporate board size, risk management and financial performance of listed deposit money banks in Nigeria. European Journal of Accounting, Auditing and Finance Research, 6(1), 1-20. Gadzo, S.G., Kportorgbi, H.K., & Gatsi, J.G. (2019). Credit risk and operational risk on financial performance of universal banks in Ghana: A partial least squared structural equation model (PLS-SEM) approach. Cogent Economics and Finance, 7(1), 1-16. Gadzo, S.G., Kportorgbi, H.K., & Gatsi, J.G. (2019). Credit risk and operational risk on financial performance of universal banks in Ghana: A partial least squared structural equation model (PLS-SEM) approach. Cogent Economics and Finance, 7(1), 1-16. Gadzo,S.G, Oduro,R., & Asiedu, M.A. (2019). Credit risk on corporate financial performance: Evidence from listed banks on the Ghana stock exchange. Journal of Economics and International Finance, 5(3), 12-34. George, O., Frimpong S., Jonas, B., Osman, B., & Peter, K. (2015). Credit Risk Management and Its Impact on Financial Performance of Listed Banks in Ghana, Internationa