The study examined how credit risk management affects the performance of deposit money banks in Nigeria over a 10-year period. They used data from 13 banks' reports and financial statements to measure credit risk and financial performance. Results showed that loan to deposit ratio and credit risk do not impact return on assets, but solvency risk and company size positively affect it. Overall, credit risk management does not significantly influence financial performance. The study suggests that banks should focus on creating a strong credit risk environment and implementing effective credit management processes to improve performance.