‹ RM-5.3.15 RM-6 Rate of Return Risk › RM-5.3.16 However, to the extent that Islamic bank licensees intend to rely on the types of cooperation agreements mentioned above, they need to ensure that willing and committed counterparties will exist for such arrangements. January 2013 ‹ RM-5.3.15 RM-6 Rate of Return Risk ›