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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-n156di5y.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n156di5y.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n156di5y.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n156di5y.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n156di5y.nxe :where(ul,ol){padding-left:20px}#nxe-n156di5y.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n156di5y.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n156di5y.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n156di5y.nxe svg{display:none}#nxe-n156di5y.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n156di5y.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n156di5y.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"console\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A02 \u00b7 TOPIC \u00b7 islamic-banking<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Banking Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Banking Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Islamic banking<\/h1><p class=\"nx-tagline\">Islamic banks operate under contracts and governance structures designed to comply with Islamic commercial law, using sale, lease and partnership-based instruments in place of interest-bearing loans. This page describes the structure of Islamic banking and its distinctive prudential risks, including rate-of-return risk, displaced commercial risk and liquidity management constraints, as studied by supervisors and standard setters. It is professional risk research only: it gives no religious rulings and takes no position on the permissibility of any product.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-panel\"><div class=\"nx-register\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Dossier<\/strong><\/span><span class=\"nx-eyebrow\">A02 \u00b7 topic<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-brief-answer\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">In brief<\/span><span class=\"nx-register-v\">Definition and scope<\/span><\/a><\/li><li><a href=\"#nx-sec-question\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">The question<\/span><span class=\"nx-register-v\">4 mechanisms<\/span><\/a><\/li><li><a href=\"#nx-sec-terms\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Key terms<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">3<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-field\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Field<\/span><span class=\"nx-register-v\">H3 field plate<\/span><\/a><\/li><li><a href=\"#nx-sec-indicators\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Indicators<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">7<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-pipeline\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Pipeline<\/span><span class=\"nx-register-v\">Run graph<\/span><\/a><\/li><li><a href=\"#nx-sec-sources\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">6<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-decisions\"><span class=\"nx-register-n\">08<\/span><span class=\"nx-register-k\">Decision holders<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">4<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-methods\"><span class=\"nx-register-n\">09<\/span><span class=\"nx-register-k\">Methods<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">4<\/span><\/span><\/a><\/li><\/ol><p class=\"nx-register-foot\">GRA \u00b7 Established \u00b7 service level R0<\/p><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>Activity and exposure in Western\u2026<\/a><a href=\"#nx-sec-question\"><span>03<\/span>Islamic banking: how the risk develops<\/a><a href=\"#nx-sec-terms\"><span>04<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>05<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>06<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>07<\/span>Where the evidence comes from<\/a><a href=\"#nx-sec-decisions\"><span>08<\/span>Who decides, and what the evidence\u2026<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Islamic banking is banking under contracts and governance designed to comply with Islamic commercial law, using sale, lease and partnership instruments in place of interest-bearing loans. Its risks follow its contracts: returns shared with investment account holders, narrower liquidity tools and an added Shariah governance layer, with prudential standards set by the IFSB.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Geography<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Activity and exposure in Western Europe.<\/h2><p class=\"nx-lede\">For islamic banking, in GRA's spatial-finance reading, the map opens on night lights and population density with built-up and settlement extent from NASA GIBS, framed on Western Europe; every other NASA layer, live feed and forecast waits in the layer list.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"western-europe:finance\" data-ml-src=\"finance\" data-ml-plan=\"p-34c277e1\"><div class=\"nx-wm\" data-nx-water=\"ctx-finance\" data-wm-domain=\"ctx-finance\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"-6,42,17,55.5\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Activity and exposure, Western Europe: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"people||||\" aria-pressed=\"false\">Population<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood||||\" aria-pressed=\"false\">Floods this week<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">2<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Activity and exposure, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"false\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"true\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"1\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite image\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">True colour<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 corrected reflectance \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"true\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"cover\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"0\" 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class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"xt\" data-wm-xt=\"6oPh6EhWj+gDMzpLLT8H\/wVfxJakWdyAB8snze2Nado=\">More expert tools<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>For islamic banking, in GRA's spatial-finance reading, the map opens on night lights and population density with built-up and settlement extent from NASA GIBS, framed on Western Europe; every other NASA layer, live feed and forecast waits in the layer list.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date; indicators, not assessments of any place; claim ceiling INTEGRATED.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 \u00a9 OpenStreetMap contributors \u00b7 Natural Earth \u00b7 GDACS \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\" target=\"_blank\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.modis-viirs.land\">MODIS land products (vegetation indices, gross primary production, land cover), NASA LP DAAC and LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\" target=\"_blank\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\" target=\"_blank\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li>Globe: MapLibre GL JS 6.9.1, BSD-3-Clause, \u00a9 MapLibre contributors.<\/li><li>Live: GDACS (EC JRC \/ UN OCHA) Events are indicative, not official warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>Optional layers (35 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, CC BY 4.0 \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><li>True colour: VIIRS NOAA-20 corrected reflectance, NASA LANCE \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/li><li>Land cover type (IGBP), yearly: MODIS Terra and Aqua land cover (MCD12Q1), NASA LP DAAC \u00b7 <span data-wm-date=\"cover\">2024<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A02\/topics\/islamic-banking\/#map\" data-nxf-title=\"Banking Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Islamic banking: how the risk develops.<\/h2><p class=\"nx-lede\">Islamic banking structure and professional risk research without religious rulings. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m12.83 2.18a2 2 0 0 0-1.66 0L2.6 6.08a1 1 0 0 0 0 1.83l8.58 3.91a2 2 0 0 0 1.66 0l8.58-3.9a1 1 0 0 0 0-1.83Z\"\/><path d=\"m22 17.65-9.17 4.16a2 2 0 0 1-1.66 0L2 17.65\"\/><path d=\"m22 12.65-9.17 4.16a2 2 0 0 1-1.66 0L2 12.65\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Contract structure shapes risk<\/h3><p class=\"nx-p nx-mt-1\">Murabaha sale, ijarah lease, musharakah and mudarabah partnerships and sukuk carry different mixes of credit, market, equity and operational risk. The risk profile depends on the contract's actual terms, not on its label.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M21.21 15.89A10 10 0 1 1 8 2.83\"\/><path d=\"M22 12A10 10 0 0 0 12 2v10z\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Investment accounts share returns<\/h3><p class=\"nx-p nx-mt-1\">Profit-sharing investment account holders bear losses in principle. Competitive pressure can lead banks to smooth returns and absorb losses themselves, a transfer known as displaced commercial risk.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 12h-2.48a2 2 0 0 0-1.93 1.46l-2.35 8.36a.25.25 0 0 1-.48 0L9.24 2.18a.25.25 0 0 0-.48 0l-2.35 8.36A2 2 0 0 1 4.49 12H2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Liquidity tools are narrower<\/h3><p class=\"nx-p nx-mt-1\">A limited stock of eligible high-quality liquid assets and fewer compatible interbank and central bank facilities can make liquidity management harder in stress, particularly in shallow sukuk markets.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" x2=\"21\" y1=\"22\" y2=\"22\"\/><line x1=\"6\" x2=\"6\" y1=\"18\" y2=\"11\"\/><line x1=\"10\" x2=\"10\" y1=\"18\" y2=\"11\"\/><line x1=\"14\" x2=\"14\" y1=\"18\" y2=\"11\"\/><line x1=\"18\" x2=\"18\" y1=\"18\" y2=\"11\"\/><polygon points=\"12 2 20 7 4 7\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Governance adds a layer<\/h3><p class=\"nx-p nx-mt-1\">Shariah governance boards and compliance review sit alongside the usual board and control functions. Failure to comply with adopted standards can lead to forgone income and legal and reputational risk, treated as operational risk.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Profit-sharing investment account<\/td><td data-label=\"Definition\">A deposit-like account whose returns and losses are shared between the bank and the account holder.<\/td><\/tr><tr><td data-label=\"Term\">Displaced commercial risk<\/td><td data-label=\"Definition\">Pressure on an Islamic bank to pay investment account holders competitive returns from its own profits.<\/td><\/tr><tr><td data-label=\"Term\">Murabaha<\/td><td data-label=\"Definition\">A cost-plus sale contract widely used for financing in Islamic banking.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Capital adequacy ratio of Islamic banks<\/td><td data-label=\"Unit\">percent of risk-weighted assets<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">IFSB prudential indicators<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Non-performing financing ratio<\/td><td data-label=\"Unit\">percent of gross financing<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">IFSB prudential indicators<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Liquid assets ratio<\/td><td data-label=\"Unit\">percent of total assets<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">IFSB prudential indicators<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Profit-sharing investment accounts in funding<\/td><td data-label=\"Unit\">percent of total funding<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Supervisory returns<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Financing by contract type<\/td><td data-label=\"Unit\">percent of total financing<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">IFSB structural indicators<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Sukuk holdings eligible as high-quality liquid assets<\/td><td data-label=\"Unit\">percent of liquid assets<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Supervisory returns<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Real estate concentration of financing<\/td><td data-label=\"Unit\">percent of total financing<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">IFSB prudential indicators<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A02\/topics\/islamic-banking\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Islamic banking as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a02-topics-islamic-banking-ngfs-t nx-dag-a02-topics-islamic-banking-ngfs-d\" data-nx-z=\"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\"><title id=\"nx-dag-a02-topics-islamic-banking-ngfs-t\">Islamic banking: climate scenario analysis pipeline<\/title><desc id=\"nx-dag-a02-topics-islamic-banking-ngfs-d\">Orderly, disorderly and hot house scenarios supply pathways for carbon prices and macro variables; transition and physical channels change sector and asset outcomes; credit parameters and portfolio losses follow, and results are disclosed with their limits. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">IFSB Prudential and Structural Islamic Financial Indicators database<\/td><td data-label=\"What it gives\">Country-level capital, asset quality, liquidity and structure of Islamic banking<\/td><td data-label=\"Licence class\">Free, IFSB terms of use<\/td><\/tr><tr><td data-label=\"Source\">IFSB Islamic Financial Services Industry Stability Report<\/td><td data-label=\"What it gives\">Periodic assessment of the sector's growth, resilience and risks<\/td><td data-label=\"Licence class\">Free, IFSB terms of use<\/td><\/tr><tr><td data-label=\"Source\">IMF Financial Soundness Indicators, Article IV and FSAP reports<\/td><td data-label=\"What it gives\">Country assessments that cover Islamic banks where they are significant<\/td><td data-label=\"Licence class\">Free, IMF terms of use<\/td><\/tr><tr><td data-label=\"Source\">World Bank Global Financial Development Database<\/td><td data-label=\"What it gives\">Financial system context for jurisdictions with Islamic banking<\/td><td data-label=\"Licence class\">Free, CC BY 4.0<\/td><\/tr><tr><td data-label=\"Source\">National central bank Islamic banking statistics<\/td><td data-label=\"What it gives\">Balance sheet and prudential data published by supervisors such as Bank Negara Malaysia<\/td><td data-label=\"Licence class\">Free, central bank terms<\/td><\/tr><tr><td data-label=\"Source\">AAOIFI accounting, auditing and governance standards<\/td><td data-label=\"What it gives\">Standards adopted by Islamic financial institutions in several jurisdictions<\/td><td data-label=\"Licence class\">Licensed, AAOIFI copyright<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A02\/topics\/islamic-banking\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Banking Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Bank board<\/td><td data-label=\"The question\">What risk appetite, return smoothing policy and reserve practice to adopt for investment accounts<\/td><td data-label=\"Evidence this page serves\">Displaced commercial risk analysis, return history and capital impact<\/td><\/tr><tr><td data-label=\"Who decides\">Prudential supervisor<\/td><td data-label=\"The question\">How to apply capital, liquidity and governance standards to Islamic banks consistently with conventional peers<\/td><td data-label=\"Evidence this page serves\">IFSB standards, prudential indicators and supervisory review<\/td><\/tr><tr><td data-label=\"Who decides\">Central bank<\/td><td data-label=\"The question\">Which liquidity facilities and eligible collateral are available to Islamic banks in stress<\/td><td data-label=\"Evidence this page serves\">Liquid asset holdings, sukuk market depth and facility design<\/td><\/tr><tr><td data-label=\"Who decides\">Shariah governance board, within its own mandate<\/td><td data-label=\"The question\">Whether products conform to the standards the bank has adopted; rulings rest with qualified scholars, not Banking Nexus<\/td><td data-label=\"Evidence this page serves\">Product documentation and compliance review findings<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Explainers on the prudential risks of Islamic banking contracts<\/li><li>Comparisons of IFSB and Basel standards and how jurisdictions apply them<\/li><li>Research on liquidity management tools and on sukuk as liquid assets<\/li><li>Briefings on Islamic banking structure across jurisdictions<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Shared questions the industry asks.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">How do contract structures change risk?<\/h3><p class=\"nx-p nx-mt-1\">How sale-based, lease-based and partnership contracts distribute credit, market and operational risk.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">How is liquidity managed?<\/h3><p class=\"nx-p nx-mt-1\">How banks manage liquidity with limited compliant instruments and markets.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">What is displaced commercial risk?<\/h3><p class=\"nx-p nx-mt-1\">How banks manage pressure to pay competitive returns to investment account holders.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">How do shocks reach Islamic banks?<\/h3><p class=\"nx-p nx-mt-1\">How real-economy and hazard exposures pass through asset-backed financing.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"band\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">How the risk arises and transmits.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Islamic banks finance through contracts such as cost-plus sale, leasing and partnership. Because financing is tied to real assets, banks may bear asset and market risks that conventional lenders do not, such as ownership risk in leasing.<\/p><p class=\"nx-p\">Liquidity management can be harder. Compliant short-term instruments and interbank markets are less developed in some jurisdictions, which can lead banks to hold more cash or face constraints in stress.<\/p><p class=\"nx-p\">Profit-sharing investment accounts introduce displaced commercial risk: banks may forgo income to pay returns comparable to competitors, so depositors' expected risk-sharing may in practice fall on shareholders.<\/p><p class=\"nx-p\">Governance includes Shariah supervisory boards that rule on compliance. These rulings are matters for each institution's own scholars; GRA research takes no position on them.<\/p><p class=\"nx-p\">Prudential standards for Islamic banks have been developed by specialized standard-setting bodies alongside general banking frameworks, and their application varies by jurisdiction.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-limits\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and limits<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">How evidence is gathered, and where it stops.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Method or data<\/th><th scope=\"col\">What it shows<\/th><th scope=\"col\">Its limit<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Method or data\">Contract-level analysis<\/td><td data-label=\"What it shows\">Risk allocation by structure<\/td><td data-label=\"Its limit\">Practice varies across institutions<\/td><\/tr><tr><td data-label=\"Method or data\">Liquidity studies<\/td><td data-label=\"What it shows\">Instruments and buffers<\/td><td data-label=\"Its limit\">Market data can be limited<\/td><\/tr><tr><td data-label=\"Method or data\">Comparative prudential review<\/td><td data-label=\"What it shows\">Application of standards<\/td><td data-label=\"Its limit\">Jurisdictional differences<\/td><\/tr><tr><td data-label=\"Method or data\">Stress scenarios<\/td><td data-label=\"What it shows\">Exposure to sector and asset shocks<\/td><td data-label=\"Its limit\">Assumption-dependent<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/financial-economics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Financial economics and macro-finance<\/span><span class=\"nx-mledger-role\">Macro-financial stress scenarios \u00b7 Credit cycle and buffer calibration<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/financial-economics\/\" aria-label=\"Financial economics and macro-finance: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/financial-engineering\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Financial and risk engineering<\/span><span class=\"nx-mledger-role\">Expected credit loss modelling \u00b7 Counterparty exposure and valuation adjustments<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/engineering\/financial-engineering\/\" aria-label=\"Financial and risk engineering: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/probability-statistics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Probability and statistics<\/span><span class=\"nx-mledger-role\">Estimating default and loss parameters \u00b7 Operational loss modelling<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/probability-statistics\/\" aria-label=\"Probability and statistics: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/network-science\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Network science and contagion<\/span><span class=\"nx-mledger-role\">Interbank and counterparty contagion \u00b7 Overlapping portfolios and fire sales<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/network-science\/\" aria-label=\"Network science and contagion: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Data on Islamic banking are less harmonised than conventional banking data, and national definitions differ. Contract labels do not by themselves reveal economic risk, so analysis depends on terms that are rarely disclosed. Return smoothing and reserve practices are partly unobserved. Banking Nexus gives no religious rulings and takes no position on the permissibility of any product or institution, and it gives no investment or financial advice.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-14-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Does Banking Nexus give Shariah rulings?<\/summary><div class=\"nx-answer\">No. Rulings are made by qualified scholars and Shariah governance bodies under their own mandates. This page covers prudential structure and risk as studied by supervisors and standard setters.<\/div><\/details><details><summary>What is displaced commercial risk?<\/summary><div class=\"nx-answer\">The risk that a bank pays investment account holders more than the underlying assets earned, to stay competitive, and so absorbs losses that in principle fall on the account holders.<\/div><\/details><details><summary>Which standards apply to Islamic banks?<\/summary><div class=\"nx-answer\">National law and supervisory rules, often drawing on the prudential standards of the Islamic Financial Services Board alongside Basel standards, and in some jurisdictions on AAOIFI standards for accounting and governance.<\/div><\/details><details><summary>Why can liquidity management be harder?<\/summary><div class=\"nx-answer\">Instruments compatible with Islamic finance principles, such as short-term sukuk and dedicated central bank facilities, are less abundant in many markets, which limits the tools available in stress.<\/div><\/details><details><summary>Does GRA say whether a product is Shariah-compliant?<\/summary><div class=\"nx-answer\">No. GRA issues no religious rulings. Compliance is decided by each institution and its own Shariah scholars.<\/div><\/details><details><summary>Is Islamic banking riskier than conventional banking?<\/summary><div class=\"nx-answer\">Its risks differ in kind, for example asset ownership and liquidity management. Research compares them without ranking institutions.<\/div><\/details><details><summary>Who takes part in this research?<\/summary><div class=\"nx-answer\">Banking risk professionals and researchers, under the same competition safeguards as all GRA work.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-15\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-15\" class=\"nx-h3 nx-mt-2\">Around Banking Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/credit-and-counterparty-risk\/\">Credit and counterparty risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/capital-and-liquidity\/\">Capital and liquidity <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/bank-operational-resilience\/\">Bank operational resilience <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/climate-and-nature-bank-risk\/\">Climate and nature risk in banking <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/payment-dependencies\/\">Payment dependencies <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/model-and-ai-risk\/\">Model and AI risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/\">Banking Nexus home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Banking Nexus<\/span><h2 id=\"nx-close-16\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Banking%20Nexus%3A%20Islamic%20banking\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/islamic-banking\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/islamic-banking\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Does Banking Nexus give Shariah rulings?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Rulings are made by qualified scholars and Shariah governance bodies under their own mandates. 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