The study looked at how credit risk management affects the profitability of commercial banks in Kenya. Researchers surveyed employees from 43 banks and found that practices like credit appraisal, monitoring, debt collection, and risk governance positively impact bank profits. This means that when banks carefully assess borrowers, keep an eye on loans, collect debts effectively, and manage risks well, they tend to make more money. The study suggests that banks should focus on these practices to increase their profits.