‹ RM-6.3.11 Displaced Commercial Risk Management › RM-6.3.12 Islamic bank licensees are encouraged to employ balance sheet techniques to minimize their exposures using the following strategies, among others: (a) Determining and varying future profit ratios according to expectations of market conditions; (b) Developing new Shari'a-compliant instruments; and (c) Issuing secuntisation tranches of Shari'a permissible assets. January 2013 ‹ RM-6.3.11 Displaced Commercial Risk Management ›