Is the bank lease contract, with its stated conditions that include operating leases and leases ending in ownership, permissible in Islamic law?

Provisions and clauses related to Islamic banks were issued by the "Central Bank of Morocco" in response to requests for the establishment of Islamic banks. The Central Bank delegated the task of implementing these provisions to conventional (interest-based) banks, which drew condemnation from scholars who had called for independent Islamic banks or Sharia supervision. The Central Bank clarified that the contracts were drafted based on the rules of the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI). Some scholars consider what is contained in these provisions permissible, while others see Sharia violations in them, including: Ijara Muntahia Bittamleek (lease ending in ownership), which some researchers and scrutinizing scholars deem impermissible, and the prohibition of commercial insurance, which should not be included in an Ijara contract.