The study looked at how credit risk management affects the financial performance of Indonesian commercial banks from 2008 to 2018. They found that managing credit risks well can improve a bank's profitability, as shown by indicators like ROA and ROE. Factors like non-performing loans, provisions for losses, and leverage ratios play a significant role in determining credit risk management. To improve financial performance, banks should have strict credit assessment processes before giving out loans and establish effective credit risk management systems.