Effect of Capital Adequacy, Credit Risk and Operating Efficiency on the performance of Commercial Banks in Nigeria

The examination of determinants of banks’ profitability has attracted great attention in the developed and developing economies, particularly in the area of business and corporate finance literature. This is because, profitability is an issue of great concern to shareholders and other corporate stakeholders. The need to improve banking institutions in Nigeria became imperative for better profitability of the banking industry in the region