The study looked at how competition between banks, their capital reserves, and their characteristics affect how much risk they take in Egypt. They used data from 27 Egyptian banks from 2012 to 2018. The results showed that more competition between banks led to less risk-taking by the banks. Having more regulatory capital made banks take on more risk. Also, bigger and more diverse banks tended to take on more risk. However, the type of bank, how much they borrowed, and how profitable they were didn't seem to affect how much risk they took.