AIBB Shariah Based Banking 2026 WRITTEN Question Bank, Complete Solution & PDF

Briefly answer any five of the following :

Compare and contrast between any five of the following :

Case-2 : Ethical lapses of bankers

Case Scenario : Ethical lapses of bankers within banking institutions significantly undermine trust, which is foundational to the functioning of financial systems. Instances of misconduct, such as fraud or misrepresentation, can lead to rapid erosion of consumer confidence and deter individuals from engaging with banking services. Consequently, this can result in decreased customer retention and a diminished client base. Moreover, the financial repercussions for banks involved in ethical violations can be severe. Institutions may face hefty fines, legal challenges and increased regulatory scrutiny which not only affects their financial standings but also their reputation. This ripple effect can impact shareholder value and may prompt stakeholders to reassess their relationships with the banking entity. The long-term implications of ethical lapses extend beyond immediate financial costs. They can cultivate a toxic corporate culture, weakening internal controls and contributing to further unethical behavior. In turn, this environment can lead to systemic risks that threaten not only individual institution but the broader financial system as well. Upholding banking ethics and accountability is essential for maintaining stability and trust in this critical sector.

Task : As banking professional advising the central bank, analyze the working environment; integrity, behavior and ethical lapses of banking professional and systematic inconsistency in banking sector.

Questions :

Case-1 : Shariah-based bank mergers.

Case Scenario: In a significant effort to stabilize Bangladesh's troubled Islamic Banking sector, the newly formed Sammilito Islamic Bank, receiving final approval and its operating license from Bangladesh Bank, created through the merger of five distressed Shariah-based banks, has formally begun operations. Bangladesh Bank described the merger as a critical turning point, saying it will strengthen depositor confidence and speed up the long-delayed process of returning stuck funds. Under the deposit protection ordinance 2025, deposits up to Tk. 2 lakh are fully protected and will be paid out shortly. A repayment plan for larger deposits will be announced once the merger process is completed. The Central Bank reiterated that no depositor would lose money. The new entity is now the country's largest state-owned Shariah-based bank. Backed by improved governance, government capital support and enhanced regulatory oversight, the newly combined bank is expected to emerge as a modern, competitive Shariah-based institution capable of restoring public trust.

Task : As banking professional advising the central bank, analyze the context, environment, reasons, advantages and risks of merger of five Sharialı-based banks :

Questions :

An XYZ Islamic Bank enters into a Musharakah agreement investing Tk. 30,00,000, while the client invests Tk. 20,00,000. Profit-Sharing ratio, is agreed at Bank 55% and client 45%, The bank also charges a management fee of Tk. 50,000. At year-end, total profit is Tk. 6,00,000.