Risk Managementattitudeof Banks: Comparative Analysesof National And Foreign Banks In Germanyand Kyrgyzstan

The primary purpose of this study is to examine bank profiles and bank staffcharacteristics in Germany and Kyrgyzstan. The secondary objective is to compare the extent to which the banks in Germany and Kyrgyzstan use risk management practices and risk management process variables first within the country cases then between two-country cases. A questionnaire including 3 bank profile, 9 participant characteristics and 36 ordinal closed-ended risk management attitude questions is collected during October 2019-April 2020. After performing AD Normality tests, to test the hypotheses Kruskal-Wallis H test is used. The findings showed that while the banks in Germany are mostly faced with operational risk, the banks in Kyrgyzstan are faced with credit risk. It was also found that the two country banks are efficient in risk management practices and process. However, when two country banks were compared, the banks in Germany are more efficient in risk management activities than the banks in Kyrgyzstan. In the regression analysis, risk monitoring is found to be the most influencing variable (inboth countries) to contribute the dependent variable.