The writer should be starting with abstract of the paper
and he should give an introduction ( background of the banks and banking systems in saudi arabia “ Islamic and conventional banks “
he should highlight top-down and bottom-up approaches to risk management by banks and he should be highlighted the importance of different regulatory framework (top-down) which might exist for conventional and Islamic banks in Saudi Arabia as compared with bank’s voluntary risk management strategies (bottom-up)
he should be ending the paper with nice conclusion with recommendations to improve the banking regulations in Saudi Arabia
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