KAMALDEEN, N. . OPTIMIZING PROFITABILITY THROUGH CREDIT RISK METRICS IN COMMERCIAL BANKING OF AN EMERGING MARKET: INSIGHTS FROM PANEL REGRESSION ANALYSIS. Gusau Journal of Accounting and Finance, [S. l.], v. 5, n. 1, p. 391-403, 2024. DOI: 10.57233/gujaf.v5i1.19. Disponível em: https://journals.gujaf.com.ng/index.php/gujaf/article/view/438. Acesso em: 18 jan. 2026.