What is the ruling on a bank certificate that bears no interest, but rather, profit or loss is probable therein?

These usurious certificates contain two prohibitions: usury (riba) and gambling (maysir). As for usury, it is because the bank collects the interest due to the lenders and distributes it to a much smaller number of them through a lottery. As for gambling, it is because the certificate holder buys it to enter the draw. Therefore, this type of certificate is worse than others due to its inclusion of both usury and gambling, and consequently, it is forbidden to purchase them.