The study looked at how managing credit risk affects the profits of banks in Ethiopia. They used data from the National Bank of Ethiopia over ten years. By analyzing different factors like bank size, loans, and economic conditions, they found that how banks manage credit risk can impact their profits. Surprisingly, having more non-performing loans didn't necessarily hurt a bank's profitability. The study suggests that banks should pay attention to both internal and external factors, like inflation and the country's GDP, to keep their profits up.