2862. Bank prizes are of two types:
a. The bank is not obligated by a condition to hold a draw, rather the draw simply acts as an incentive. In this case it is permissible to hold a draw, and the person who wins the draw is permitted to take the prize, even though the more precautious measure in the case of banks which are owned by the government or a group of people, is that the individual should take the prize with permission from the hakim al-shar‘iyy.
b. The bank is obligated by a condition to hold a draw, and the bank holds the draw in order to honor the condition. In this case, it is not permissible to hold the draw, and similarly, it is not permissible for the person who won the draw to take the prize.