What is the ruling on a bank that provides a beneficiary with the necessary equipment for their project in exchange for the repayment of the original cost of the equipment along with the bank's profits in monthly installments? Is this usury (riba) or a deferred sale?

Murabaha for the one who commands the purchase is permissible if the bank buys the required tools and takes possession of them, then sells them to the customer on a deferred or installment basis at a price exceeding the purchase price. However, if the bank does not possess these tools, it is impermissible, because in that case, it would be a loan with interest, which is usury (riba).