The study looked at how managing credit risk affects the profits of big banks in Nigeria. They found that factors like having enough capital and keeping bad loans low can impact how much money the banks make. By analyzing data from questionnaires and bank reports, they saw a clear link between credit risk and bank profits. The researchers suggest that banks need to match their capital with their risks and keep an eye on any shady loan deals. They also recommend keeping a close watch on people or companies who don't pay back their loans.