What is the ruling on prizes (cash amounts or expenses for Hajj or Umrah) offered by Islamic banks on savings accounts, where the winner is chosen by lottery, and what is the meaning of the aforementioned prize in Shar'i (Islamic legal) and linguistic terminology?

The prizes offered by Islamic banks are permissible because they encourage customers and do not resemble gambling. The customer has not paid anything to gain or lose; rather, he has deposited his money for investment. Linguistically, a prize is a gift or a present, and the Shariah meaning does not differ from this.