What is the extent of the permissibility of legally dealing with a savings account at Banque Misr, Islamic Transactions Branch, under conditions that include a variable return, given that the bank is an absolute legal agent, grants prizes, and offers a benevolent loan guaranteed by the account?

For the permissibility of investing in banks, three conditions are required: that the funds be invested in permissible activities, that the bank does not guarantee the principal to the client, and that the profit is determined as a common share of the profit, not of the principal. As for prizes, if they are a general, permissible gift, then otherwise they are gambling if they are by drawing, and they may combine usury and gambling. As for a benevolent loan guaranteed by a savings account, it contains the suspicion of a loan that brings benefit, which may be overlooked if it is to guarantee repayment.