The study looked at how well commercial banks in DR Congo managed their loans and how it affected their financial performance from 2010 to 2020. They found that when nonperforming loans increased, the banks' profitability decreased. This means that when customers don't pay back their loans, the banks lose money and become less profitable. The researchers used a statistical analysis tool called SPSS to show that there is a significant negative relationship between nonperforming loans and financial profitability for these banks.