Is it permissible to take a sum of money from the bank, not to be repaid, in exchange for a financial deposit (two-thirds of the deposited amount), on condition that the deposit is not withdrawn for three years?

A deposit that remains in the bank for the bank to benefit from, while being guaranteed, is considered a loan. Resolution No. 86 of the Islamic Fiqh Academy states that demand deposits are loans from a jurisprudential perspective. Accordingly, this transaction is considered a loan that brings benefit to the lender (depositor), which falls under the category of usury (riba), as the Sharia principle states that every loan that brings benefit to the lender is usury, and this is a matter upon which scholars have reached a consensus.