In today’s dynamic business environment, risk management and improvement of cash flows are very challenging. The study
examined the effect of credit risk management on the financial performance of Zenith Bank Nigeria Plc Akwa Ibom State for the
period of 2011-2020. Secondary data were sourced from annual reports and financial statement of Zenith Bank Nigeria Plc. The
study employed ordinary least square regression technique in analyzing the data extracted with the aid of E-View Econometric
tool. The R-squared which measures the overall goodness of fit of the regression shows the value of 84.5%, while the Durbin
Waston statistic with value of 2.808450 shows that there is relative auto correlation among the considered variables and the
overall regression is statistically significant. The result shows that risk control and risk diversification have significant positive
effects on financial performance, while risk appraisal has a negative and insignificant effect on financial performance of Zenith
bank Plc Akwa Ibom State. It was recommended that management of bank should ensure that credit officers adheres strictly to
guidelines when issuing out credit facilities. The researcher conclude that credit risk management has a significant positive
effect on the financial performance of Zenith Bank Nigeria Plc Akwa Ibom State