Is a savings account at Al-Zaytouna Bank, which shares profits and losses with the client every three months, considered usurious, given that the bank has not recorded any losses since its establishment?

Savings accounts in Islamic banks are based on the Mudarabah (definition) (profit-sharing) system, and there is no objection to them if they adhere to its conditions and regulations, which include: the bank not guaranteeing the capital, and not specifying a fixed amount for profit but rather an agreed-upon percentage if profit is made. If there is a loss, it is borne by the capital, and the bank does not bear anything unless it has been negligent or transgressed. Otherwise, it would be prohibited, as it would constitute a guarantee of part of the capital. Among the legitimate controls is that the bank must commit to investing the money in permissible areas. As for the bank never incurring a loss, this is not a valid consideration and does not prohibit dealing with it.