Is dealing with an electronic bank that generates profit through depositing a sum of money which increases over time, while there are risks of the bank's unreliability, considered usury (riba) and forbidden (haram)?

The questioner did not clarify the nature of the contract, but it is likely that the transaction involves usury, where a person deposits a guaranteed amount to receive it back with interest, which is forbidden usury. If the loss of the amount is possible, then this falls under wasting money, which is prohibited.