Asim and Usman are working for the First Abu Dhabi Bank (FAB). Asim works for the Islamic banking branch of FAB, whereas Usman works for the conventional banking branch of FAB. Asim and Usman are discussing their banking relationship with their customers. Usman is of the view that conventional banks and Islamic banks have same type of relationship with their customers. Asim argues that he doesnt agree but he was unable to explain to Usman how the customer-banker relationship of conventional bank and Islamic bank differs. Do you agree with Usman or Asim? Please elaborate why the relationship maybe same or different? In particular, elaborate the differences in terms of risk treatment by Islamic and conventional banks, if any.