Abstract
The study tittle is assessing the effectiveness of simulation techniques on loan facilities and the performance of deposit money banks in Nigeria. (Access bank plc. 2015-2024). However, the specific objectives were to: examine the effect of loan to deposit ratio (LDR) on the profitability, examine the effect of non-performing loans (NPL) on the profitability of Access Bank Plc in Nigeria. Thus; simple linear regression was adopted to analyze hypothesis. However, the result of SPSS data analysis reveals that R valued 0.242 and therefore, loan to deposit ratio has a significant effect on the bank’s profitability. On the same vain, R valued 0.279 over the result of whether non-performing loans have a significant effect on the bank’s profitability or not, the value of R which was 0.279 shows that it has. More so, the bank is generally advised to monitor macroeconomic factors and adjust their lending strategies accordingly in order to mitigate the impact of external factors on their profitability.