The purpose of this study was to examine empirically the effect of loan provisioning on asset quality of commercial banks in Nigeria under the panel data framework using annual data for a period of eleven years from 2005 to 2016. Asset quality ratio is the dependent variable while loan-loss provisions and non-performing loans were both used as explanatory variables. Bank deposit base and total assets were used as control variables. First, we compared the estimates of the three conventional panel data methods (pooled regression, fixed effects and random effects methods) based Adjusted R-squared, Likelihood ratio and Hausman specification tests, and the results showed that the fixed effects es
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