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RM-5.2.5

Unrestricted IAH are investors who participate in the uncertainties of an Islamic bank licensee's business; therefore, they share in profits and bear losses arising from investments made on their behalf, to the extent of their share. Apart from general withdrawal needs, the withdrawals made by IAH may be the result of:

(a) Lower than expected or acceptable rates of return;
(b) Concerns about the financial condition of the Islamic bank licensees; and
(c) Non-compliance by the Islamic bank licensees with Shari'a rules and principles in various contracts and activities.
January 2013