مسائل المنتخبه (Articles Of Islamic Acts) - الخوئي، السيد أبوالقاسم - الصفحة ٦٢٣ - Current Issues

the condition that a sum of $ ١٠٠ will be payable in lieu thereof after the expiry of one month, because in fact it is an interest bearing loan although apparently it has been given the name of business transaction.
٢٨٥٧. It is unlawful to deposit money in a bank (in the savings bank account or current account) with a view to earn interest. However. there is no harm indepositing the money if there is no stipulation for the payment of interest.
٢٨٥٨. If some property is taken from a government bank it is not lawful to utilize it without the permission of the mujtahid (Jurist) or his representative.
٢٨٥٩. It is also unlawful to obtain loan from a government bank on payment of interest whether or not it is obtained by mortgaging some property. However, there isno harm in obtaining loan from such a bank with the permission of the jurist or his representative, although the person obtaining the loan may be aware that, whether he likesit or not, the bank will charge some additional amount from him, and even though he will have to pay the additional amount when the bank demands it, he can take the loan fromthe bank.
٢٨٦٠. It is not lawful to deposit money in a government bank to earn interest. However, there is no harm in making such a deposit without making a stipulation forpayment of interest i.e. if one intends not to demand interest in case the bank does not pay him the same. However, ii the bank gives him profit he can accept it with thepermission of the mujtahid or his representative as derelict property (Malul Majhul) This also clarifies the position of a bank whose capital is jointly owned by thegovernment and the public i.e. its property is to be treated as derelict and the same orders apply to such a bank as they apply to a government bank.

Property where owner is nor known.