Expert panel — BA regulation 20-02 Islamic finance.
1. Framework + contracts
Regulation 20-02 + 3 contracts.
Methodology: official sources.
2. Banks + comparison
Al Baraka, Al Salam, CNEP, AFB.
3. Cases + FAQ
6 cases + 22 FAQ.
FAQ
Regulation?
BA 20-02 (2020).
Mourabaha?
Buy-resale margin.
Ijara?
Islamic leasing.
Istisna'a?
Construction financing.
100% banks?
Al Baraka + Al Salam.
Windows?
CNEP + AFB + BADR + BEA + BNA + CPA.
Margin?
5-8%.
Cost vs conv?
+15-25% over 15 years.
Anticipated?
Unfavorable (fixed margin).
Sharia committee?
Mandatory.
AAOIFI?
International reference Bahrain.
Takaful?
Islamic insurance.
Market?
~15%, +40% growth.
2030 outlook?
Doubling + Sukuk.