individuals and. some state institutions. The greater part of the regulatory authorities of Islamic banking industry and finance industry are situated in the region of Middle East. Most of the sound countries have planned to merge their central banking systems and monetary systems by 2010. This kind of developments in the regions of Middle East countries and worldwide, put a huge impact on the industry of Islamic banking and industry of finance. In South Asia, especially Pakistan has just introduced the Islamic banking system Bangladesh has also introduced the harder polices regarding Islamic banking due to the growing market and of public. Afghanistan and India is also about to implement Islamic banking policies in future. In Addition, the region of Southeast Asia, three countries named Singapore Malaysia and Indonesia are developing the complete and advanced edition of Islamic banking to magnetize the Islamic business and Islamic finance from different countries of Middle East and somewhere else around the world. The Sudan government has recently made the more realistic approach to encourage the practices of Islamic banking in particular region. The momentum of Islamic banking and finance is also going to shift in USA and different European Countries. Passage no Islamic Banking 10. The word realistic in the sentence "... the more realistic approach ..." of paragraph 4 is closest in meaning to __ (A) efficient (B) pragmatic (C) excited (D) reasonable