Is it permissible to deal with a bank that claims its transactions are halal and are supervised by a Sharia committee, yet its returns are semi-fixed and any shortfall in some months is compensated, knowing that a percentage of the funds is deposited in the Central Bank? If it is impermissible, what are the legitimate channels for spending these funds, and is it permissible to give them to the poor or donate them to mosques, and is there another bank in Egypt that offers halal returns?

It is permissible to deal with the Islamic branches of interest-based banks if they adhere to Sharia standards. However, it is preferable to deal directly with Islamic banks. Money can be deposited with Islamic banks, such as Abu Dhabi Islamic Bank - Egypt Branch, and Faisal Islamic Bank, for investment, while investigating for those with the best reputation and strongest commitment to Sharia regulations. As for profits previously earned from the Islamic branch, there is no harm in benefiting from them, even if the profit percentage did not change without a guarantee from the bank.