Annexure A
Classification of banks into commercial banks and Islamic banks is as
given by Bankscope database (now renamed as Orbis Bank Focus). Al Rajhi
Bank and Tamweel PJSC are classified as commercial banks by Bankscope in
the Pre-GFC period and as Islamic banks in the Post-GFC period. Also
Tamweel PJSC is classified as a bank by BankScope.