What is the Sharia ruling on the dealings of Al Baraka Bank Algeria, which buys a commodity (such as a house) at the request of the buyer, and then sells it to him at a higher price in installments, after the bank guarantees the buyer and verifies the price of the commodity?

The consideration is for facts and contents, not for names and titles. The Murabaha sale to a purchasing agent, as conducted by Islamic banks, is not a valid sale unless the bank first acquires ownership of the commodity and then sells it to the customer at the agreed-upon price. If the bank merely pays the price of the commodity to the seller without acquiring ownership and title, then this is not a Murabaha sale but rather an usurious loan.