---
title: "State Bank of Pakistan — Shariah Governance Framework — KYE Protocol™ coverage"
description: "State Bank of Pakistan — Shariah Governance Framework coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it."
url: https://kyeprotocol.com/compliance/sbp-shariah-governance/
lang: en
source: "KYE Protocol"
---

> State Bank of Pakistan — Shariah Governance Framework coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.

State Bank of Pakistan — Shariah Governance Framework

# State Bank of Pakistan — Shariah Governance Framework — 73% of in-scope requirements covered.

18 requirements · 15 in scope (7 enforced · 8 designed) · 3 out-of-scope (outside KYE™’s authority layer). The 73% is weighted over the in-scope base.

**Source:** State Bank of Pakistan — Shariah Governance Framework for Islamic Banking Institutions (2018)

## By category

| Category | Reqs | Enforced | Designed | Advisory | Deferred | Coverage |
| --- | --- | --- | --- | --- | --- | --- |
| Shariah Governance (SBP Framework) | 18 | 7 | 8 | 0 | 0 | **73%** |

## Every requirement → the KYE™ artefact that enforces it

| ID | Title | Status | KYE™ enforcement |
| --- | --- | --- | --- |
| `sbp-shariah-governance.R1` | Establishment of a Shariah Supervisory Board / Committee | enforced | **audit\_events**: `kye.compliance.attestation.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/52-DELEGATED-AGENT-BINDING.md`, `constitution/00-INDEX.md` |
| `sbp-shariah-governance.R2` | Composition, minimum number, and fit-and-proper qualification of Shariah board members | designed | **audit\_events**: `kye.agent.governance.v1`, `kye.compliance.attestation.v1` **engines**: `internal` **constitution\_refs**: `constitution/52-DELEGATED-AGENT-BINDING.md` |
| `sbp-shariah-governance.R3` | Independence and objectivity of the Shariah board | designed | **audit\_events**: `kye.purpose.admissibility.v1`, `kye.compliance.attestation.v1` **engines**: `internal` **constitution\_refs**: `constitution/52-DELEGATED-AGENT-BINDING.md`, `constitution/00-INDEX.md` |
| `sbp-shariah-governance.R4` | Appointment, reappointment, resignation and dismissal of Shariah board members | designed | **audit\_events**: `kye.agent.governance.v1`, `kye.signal.drift.detected.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/52-DELEGATED-AGENT-BINDING.md`, `constitution/34-RECONCILIATION-ENGINE.md` |
| `sbp-shariah-governance.R5` | Mandate and authority of the board to approve products, structures and transactions | enforced | **audit\_events**: `kye.purpose.request.v1`, `kye.purpose.admissibility.v1`, `kye.evidence.decision_map.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/12-PURPOSE-PERMISSION.md`, `constitution/13-RESILIENCE-LOOP.md` |
| `sbp-shariah-governance.R6` | Issuance and recording of Shariah pronouncements (fatawa) and resolutions | enforced | **audit\_events**: `kye.evidence.pack.v1`, `kye.evidence.tool_call.v1`, `kye.replay.context_seal.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/13-RESILIENCE-LOOP.md`, `constitution/12-PURPOSE-PERMISSION.md` |
| `sbp-shariah-governance.R7` | Shariah certification of products prior to launch or offering | enforced | **audit\_events**: `kye.purpose.admissibility.v1`, `kye.evidence.pack.v1`, `kye.compliance.attestation.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/12-PURPOSE-PERMISSION.md`, `constitution/13-RESILIENCE-LOOP.md` |
| `sbp-shariah-governance.R8` | Ongoing internal Shariah review function | designed | **audit\_events**: `kye.compliance.attestation.v1`, `kye.replay.proof.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/13-RESILIENCE-LOOP.md`, `constitution/21-DELEGATED-AUDITABILITY.md` |
| `sbp-shariah-governance.R9` | Independent Shariah audit function | designed | **audit\_events**: `kye.replay.proof.v1`, `kye.compliance.attestation.v1`, `kye.evidence.pack.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/21-DELEGATED-AUDITABILITY.md`, `constitution/13-RESILIENCE-LOOP.md` |
| `sbp-shariah-governance.R10` | Shariah non-compliance risk management function | designed | **audit\_events**: `kye.signal.drift.detected.v1`, `kye.compliance.attestation.v1` **engines**: `internal`, `internal`, `internal` **constitution\_refs**: `constitution/34-RECONCILIATION-ENGINE.md` |
| `sbp-shariah-governance.R11` | Detection, escalation and recording of Shariah non-compliance (SNC) events | designed | **audit\_events**: `kye.signal.drift.detected.v1`, `kye.evidence.pack.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/34-RECONCILIATION-ENGINE.md`, `constitution/13-RESILIENCE-LOOP.md` |
| `sbp-shariah-governance.R12b` | Recording and honouring binding rulings of the national/central Shariah authority | enforced | **audit\_events**: `kye.purpose.admissibility.v1`, `kye.evidence.decision_map.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/12-PURPOSE-PERMISSION.md`, `constitution/00-INDEX.md` |
| `sbp-shariah-governance.R12` | Shariah governance reporting to the board, regulator and central Shariah authority | enforced | **audit\_events**: `kye.evidence.pack.v1`, `kye.compliance.attestation.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/21-DELEGATED-AUDITABILITY.md` |
| `sbp-shariah-governance.R13` | Record-keeping and retention of Shariah decisions and evidence | enforced | **audit\_events**: `kye.evidence.pack.v1`, `kye.replay.context_seal.v1`, `kye.compliance.attestation.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/30-AUDIT-WORM-RETENTION.md`, `constitution/13-RESILIENCE-LOOP.md` |
| `sbp-shariah-governance.R14` | Confidentiality of Shariah board deliberations | designed | **audit\_events**: `kye.purpose.admissibility.v1`, `kye.compliance.attestation.v1` **engines**: `internal` **constitution\_refs**: `constitution/00-INDEX.md`, `constitution/21-DELEGATED-AUDITABILITY.md` |
| `sbp-shariah-governance.R15` | Internal Shariah research / secretariat function | out-of-scope | _(no enforcement cited)_ |
| `sbp-shariah-governance.R16` | Substantive Shariah determination of permissibility (halal/haram) | out-of-scope | _(no enforcement cited)_ |
| `sbp-shariah-governance.R17` | Determination of non-compliant income and purification (tathir) | out-of-scope | _(no enforcement cited)_ |

Canonical KYE™ surfaces referenced on this page: [KYE Protocol™](https://kyeprotocol.com/).