Is it permissible to take a loan from Al Baraka Bank – which bears the slogan of an Islamic bank in Algeria – to establish a physical therapy clinic?

The ruling on a bank transaction depends on its terms and true nature, not merely its name. If the bank conducts an istisna‘ (manufacturing) or murabaha (cost-plus-profit sale) contract with the questioner, whereby the bank purchases building materials or equipment and then sells them on credit, there is no harm in that. However, if the transaction is merely a loan with interest, it is impermissible and must be abandoned.