What is the religious ruling on bank investment certificates with a fixed interest rate of 12%, and are the bank interests obtained from depositing money therein permissible or forbidden?

Some investment certificates are usurious loans, which are the investment certificates with a guaranteed fixed return. This is based on the Prophet's (peace and blessings be upon him) saying: "Allah's Messenger cursed the one who consumes usury, the one who feeds it, its scribe, and its two witnesses," and he said: "They are all equal." And some are permissible, which are the investment certificates with an unguaranteed return, provided they observe Sharia controls in their investments. Investing money in Islamic banks that operate according to Sharia principles is permissible.