What if the owner can't benefit from Holy Banner?

They get Court grandeur baseline +3 instead.

Court artifact · Pedestal Item

Holy Banner

Rarity rolled when it is madeUniqueHoly relic

Holy Banner is a pedestal item artifact in Crusader Kings III: Prestige +0.01/month. Patch 1.20.0.3, from game/common/scripted_effects/02_starting_holy_site_relics_effects.txt.

Quick answers (2)

What does Holy Banner do in CK3?: Prestige +0.01/month (patch 1.20.0.3).
What if the owner can't benefit from Holy Banner?: They get Court grandeur baseline +3 instead.

Consecrated for use in the great rites performed in high holy sites, this banner's cloth is forever steeped in the smoke of offerings.

Effects

Prestige+0.01/month

For an owner who can't benefit from it

The template gives these instead of the effects above when its “can benefit” check fails:

Court grandeur baseline+3

Who can benefit (can_benefit) (8 lines of game script)

trigger_if = {
	limit = {
		scope:artifact = {
			exists = var:relic_religion
		}
	}
	has_religion = scope:artifact.var:relic_religion
}

As written in game/common/artifacts/templates (branch_general_template).

Counts as a holy relic for (is_holy_relic) (4 lines of game script)

scope:artifact = {
	exists = var:relic_religion
}
religion = scope:artifact.var:relic_religion

As written in game/common/artifacts/templates (branch_general_template).

History and who has it

Made before recorded history.

How it is made

Made only inside events; no scripted effect to call from the console.

Source: game/common/scripted_effects/02_starting_holy_site_relics_effects.txt, common/modifiers (artifact_placeholder_modifier), common/artifacts/templates (branch_general_template) and the English localisation, Crusader Kings III 1.20.0.3.