Lemaa Belay Zeleke, Dr. Sindhu


The aim of the study was to investigate the risk assessment, analysis and handling techniques of state owned and private commercial banks in Ethiopia. Using Structural Questionnaire, data was collected from 204 Risk Management experts of 17 commercial banks. From Descriptive and t-test techniques, Overall Risk assessment and analysis was more practice in private commercial banks comparing to public banks. This includes credit worthiness analysis, quantitative analysis techniques, but financial statement analysis was more practiced by state owned commercial banks. Quantifying risk, credit worthiness analysis, sensitivity analysis and internal risk rating analysis were significantly different when comparing state owned banks with private commercial banks. Collateral security, credit limit system, stress testing techniques was highly practiced in Ethiopia commercial banks.


Risk, Risk assessment and handling, comparative, Commercial banks

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