Is it permissible or impermissible to take a loan from a bank, and what is the ruling if the excess profits are expenses for the bank employees?

All praise is due to Allah, and may peace and blessings be upon the Messenger of Allah, his family, and his companions. To proceed:

Taking a loan from a bank with interest is forbidden usury (riba), even if the interest is given other names, such as administrative fees or employee wages; this is merely beautifying the forbidden. If the bank were truthful, it would specify a fixed amount as an administrative fee, not a percentage of the principal. Allah knows best.