أحسن الله إليكم When discussing الحوالات المصرفية, you mentioned two cases, where the second bank owes the first, and where the second bank lends the first, if I understood correctly. Are both forms permissible or only where there is existing balance? بارك الله فيكم

They are permissible as long as they don't add things which are forbidden to it. I was just explaining to you the reality of how the situation is and how they handle things. As for whether it is allowed or not, we have to look at the transaction itself: how are they going to carry it out, and so on.