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Abstract

This research investigates how various risk management practices influence the financial performance of Myanmar Citizens Bank (MCB). In this study, financial performance serves as the dependent variable, while credit risk, liquidity risk, operational risk, and market risk are treated as independent variables. A quantitative approach using a descriptive research design is employed. Data are gathered from 133 employees at MCB’s Yangon head office through structured questionnaires based on a five-point Likert scale. Additional information is obtained from secondary sources such as financial reports and credible publications. The data are analyzed using SPSS,
incorporating both descriptive and multiple regression analysis. Results reveal that operational risk and market risk have statistically and significantly positive impact on financial performance while credit and liquidity risks do not show significant individual effects. The study concludes that MCB should prioritize improving its operational and
market risk management systems to enhance its financial stability and performance. These insights are valuable for strengthening risk control strategies in Myanmar’s banking sector.

Author: ZIN MAR AUNG