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2. http://projects.worldbank.org. The World Bank Data as of January 2022

3. Jijun NiuLoan growth and bank valuations The Quarterly Review of Economics and Finance 61 (2016) 185 191 www.elsevier.com/locate/qref.

4. S.Ben Naceura, Katherin Martonb, Caroline Roulet Basel III and bank-lending: Evidence from the United Statesand Europe / Journal of Financial Stability 39 (2018) 1–27 www.elsevier.com/locate/jfstabil.

5. Islamic Financial Services Industry Stability Report 2022, p. 12

6. Islamic Finance Outlook 2022 Edition, p-37