What is the ruling on Islamic banks taking a commission under the name of "file study" for facilities granted, in addition to the profit rate on murabahats, knowing that the Sharia Supervisory Board has permitted it?

The Islamic bank's practice of taking commissions for studying files is permissible, provided it is free from ambiguity (Jahalah) and deception (Gharar), and there is a genuine service provided by the bank, such as a feasibility study for the project. In this case, it is considered a lease (Ijarah), and there is no objection to deducting the commission upfront or as a certain percentage of each ceiling.