This article provides a comprehensive guide for bankers and risk professionals on integrating market, credit, and operational risk in banking organizations. It covers topics such as identifying risk factors, modeling different types of risks, stress testing, and optimizing risk management. The researchers discuss the strengths and weaknesses of Basel II regulations and propose an integrated risk management framework that addresses the shortcomings of the current system. The key findings emphasize the importance of integrating different types of risks to create a more robust risk management strategy for financial institutions.