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3.4 Data Collection Instrument The researcher collects data by using survey through structured questionnaire.

The questionnaire consists of questions of each variable including dependent variable. In this research researcher adopt questionnaire from published article of Al-Tamimi and Al-Mazrooei. The researcher adapts this questionnaire with the help of experts relevant to this study. They have practical knowledge about risk management practices. The researcher distributes thirty questionnaires in each of eight target commercial banks. Total 240 questionnaires float in banks, out of which 214 responses receive, 14 questionnaires reject because of lack of interest. So the result find through remaining 200 questionnaires.
All the independent variables like risk understanding risk, risk identification, risk monitoring, risk assessment and risk analysis and dependent variable risk management practices have five questions to know the bankers intention towards risk.

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