The article discusses how banks manage operational risks using a method called the loss distribution approach (LDA) under Basel II regulations. The researchers explore ways to combine different types of data (internal, external, and scenario analysis) to estimate these risks accurately. Major banks worldwide have adopted this approach despite facing challenges in its implementation. The study aims to review various methods proposed in the literature for combining these data sources, which is a regulatory requirement for banks using the Advanced Measurement Approach (AMA) under Basel II.