2.1.

Conclusion and Knowledge Gap

Summary and Knowledge Gap as it has been stated above in the literature, several studies have
suggested their findings with regards to credit risk management practices in the Banks. Among
others Solomon, (2013) found that collateral as a number one techniques of credit risk
management and lesser attention to MIS and advisory service to customers. The researcher
collected primary data through questionnaires and interview to evaluate the banks credit risk
management and practices as a tool. The questionnaires are developed only for staffs of the bank
not included borrowers. In addition,
Therefore this study will aim to fill the previous studies gap on research made on different Bank
by applying different techniques of risk management tools like risk identification, risk
understanding, risk evaluation, monitoring and controlling. According to the researcher those
tools are major tools for assessing credit risk management. The interaction of our country‟s
economy to the globe is increasing time to time NBE (2010) the evaluation of the bank risk
management practices is very essential. This study will uses to measure the credit risk
management practices of BOW through collecting primary data and secondary data, the
questionnaires will be adapted to the staffs of the bank.