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Credit Risk and Operational Risk Determinants of Conventional and Islamic Banking in Malaysia and Bahrain

The focus of this study on both Islamic and conventional banks is to consider the unique duality banking system in the countries. Data is obtained from annual reports and websites of selected banks. Financial statements for 10 years beginning from 2009 until 2018 were used for extracting data for analyzing the credit and operational risk using E-view software. Furthermore, panel data analysis were used in combination with time series and cross section. The findings reveal that the determinants of credit risk and operational risk are difference between banking in Malaysia and Bahrain. The banking system will have a solid risk management system that will assist Malaysia and Bahrain to develop a strong economy as well as the possible adoption of risk management by the international banking system.