Umoren, Aniefiok, Aloysius Nwosu, and Sunday Akpan. 2016. “Empirical Analysis of Non-Performing Loans Trend and Growth Rate in Nigerian Banking System”. International Journal of Finance & Banking Studies (2147-4486) 5 (3), 57-69. https://doi.org/10.20525/ijfbs.v5i3.260.