IF I PUT ONE MILLION RYALS IN BANK AS MY SAVING....AND THERE ARE OTHER 1000 MORE ACCOUNTS LIKE THAT.....NOW IT IS ONE BILLION RYALS.....BANK WILL LEND THIS MONEY TO THOSE WHO CAN PROVE THAT THEY CAN MAKE MONEY AND RETURN TO BANK THE ACTUAL AMOUNT ALONG WITH SOME PROFIT ....AND BANK WILL RETURN MY MONEY WITH SOME PROFIT TO ME WHENEVER I WILL DEMAND...AND ALL BANKS FOLLOW THE WRITTEN INSTRUCTIONS OF CENTRAL BANK FOR SETTING THE RATES....AND BANKS WILL NOT CROSS THAT NUMBER/RATE EVEN IF THEY HAD MADE MORE MONEY BY USING MY MONEY...THESE ARE THE STRICT LINES ON WHICH BANKS WORK...WHETHER ISLAMIC OR NON ISLAMIC...AND SET RATE IS????????