The research looked at how credit risk affects the performance of commercial banks in Nigeria. They used data from annual reports and other sources to see how loans and non-performing loans impact bank profitability. The study found that a high ratio of loans to deposits can hurt profitability, and that non-performing loans also have a negative effect. The researchers suggest that banks need to be careful with their credit policies to avoid losing money and damaging their assets. They also recommend that the Central Bank of Nigeria keep an eye on how banks are lending money to make sure they are doing it responsibly. Strengthening the securities market could help improve the banking sector overall.