What is the ruling on opening a savings account with a return at Al Rajhi Bank, based on details stating that funds are invested in a Mudarabah pool approved by the Sharia Board, that the bank does not guarantee the capital, and that losses are borne by the client, with profits divided between the client and the bank, and does the condition that the daily closing balance must not be less than 20.0 Riyals affect the ruling?

If the savings account is compliant with Sharia provisions and operates according to the legitimate Mudarabah (profit-sharing) formula, whereby the bank invests the deposited funds in permissible projects, and the capital owner has an agreed-upon share of the profit, and the capital owner bears the loss without transgression or negligence on the part of the bank, and the bank does not guarantee the capital, then there is no harm in this transaction or in benefiting from its profits. It is preferable to consult the bank's Sharia board for inquiry.