Is it considered usury for the bank to pay the seller upon receipt of the goods, and for the buyer to pay the bank later with an agreed-upon increase in exchange for the deferral?

This transaction has two forms: The first is permissible, which is for the bank to buy the goods for itself and own them, then sell them to the client at a profit, provided that the bank opens the letter of credit in its name and for its benefit. The second is forbidden and usurious, which is for the bank's role to be financing only, so it buys the commodity for the client in exchange for interest, because its reality is a loan with interest.