The study examines the relationship between credit risk and operational risk (understanding of risk management, risk identification, risk assessment and control, and risk monitoring) on risk management practices followed by private and public sector commercial banks. The cross-sectional data method was used to check the impact of risk management practices. Data was collected from the bank employees and a total of 284 respondents were finally selected for further analysis. Measurement Invariance of Composite Models analysis is used to test the quality of the measurement model for sub-samples, and multi-group analysis is used for path analysis in sub-sample through PLS-SEM. The findings of the study as the total sample show that both types of banks are managing adequate and significant risk management practices. On the other hand, sub-groups’ results show private sector banks are more momentous than public sector banks. Risk identification is significantly different at the sub-group level, which shows public sector banks are more concentrating on this type of risk. Understanding of risk management has no significant effect on both types of banks and risk assessment & control for public sector banks, and there is a difference in the risk management practices among private and public sector commercial banks.

Abstract
1. Introduction
2. Literature Review
    2.1. Hypothesis Development
3. Research Methodology
    3.1. Scale Development
4. Data Analysis
    4.1. Reliability and Validity of the Measurements
    4.2. Structural Model
5. Discussion and Conclusion
6. Future Recommendations
References

• Khurram REHMAN(Department of Management Sciences, Al Hamd Islamic University, Quetta, Balochistan, Pakistan.)
• Hadi Hassan KHAN(Department of Management Sciences, Faculty of Management Sciences, Balochistan University of Information Technology Engineering & Management Sciences, Quetta, Balochistan, Pakistan) Corresponding Author
• Bilal SARWAR(Department of Management Sciences, Faculty of Management Sciences, Balochistan University of Information Technology Engineering & Management Sciences, Pakistan.)
• Noor MUHAMMAD(Department of Management Sciences, Faculty of Management Sciences, Balochistan University of Information Technology Engineering & Management Sciences, Quetta, Balochistan, Pakistan.)
• Wahab AHMED(Department of Management Sciences, Muslimbagh Campus, Balochistan University of Information Technology Engineering & Management Sciences, Quetta, Balochistan, Pakistan.)
• Zia Ur REHMAN(Department of Management Sciences, city Campus, Balochistan University of Information Technology Engineering & Management Sciences, Quetta, Balochistan, Pakistan.)