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Scientists examined—over several years1—the fossilized remains of the wooly-

wooly yak.2 (These have now been transferred to the Chauan Museum.

3)

1 While the method of examination for the wooly-wooly yak provides important

insights to this research, this document does not focus on this particular

species.

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Santomero, A.M. (1997), Commercial Bank Risk Management: an Analysis of the

Process. Journal of Financial Services Research, 12(3): 83-115.

Bacha, I. O. & Mirakhor, A. (2013). Islamic Capital Markets: A Comparative Approach,

Financial Analyst (pp. 66-74). Singapore: John Wiley & Sons Singapore Pte. Ltd.

Bacha, I. O. & Mirakhor, A. (2013). Islamic Capital Markets: A Comparative Approach.

Singapore: John Wiley & Sons Singapore Pte. Ltd.

Ernst & Young Report. “The World Islamic Banking Competitiveness Report 2011-12”,

Retrieved from:

http://www.emergingmarkets.ey.com/wp-content/uploads/downloads/2012/03/The-

World-Islamic-Banking-Competitivenes-Report.pdf.

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