Banker custumer relationship
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The relationship between bankers and customers is important, as they both serve society and the economy. A banker is defined as accepting deposits from the public that are repayable on demand. A customer maintains an account with the bank. The relationship involves general debtor-creditor aspects, with the bank as debtor owing the customer's deposit. Special relationships also exist, such as bailor-bailee. Customers have duties like timely check presentation and care of checkbooks. Banks have duties like honoring checks and maintaining account secrecy. Both parties have corresponding rights around accounts, compensation, and services.
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Banker and customer relationship
A banker is responsible for maintaining positive customer relationships and delivering effective sales strategies. The term "customer" refers to the person who maintains an account at a specific bank branch. A banker-customer relationship is a special contract where a customer entrusts valuable items to the banker with the intention of retrieving them on demand. This relationship is that of a debtor-creditor or pledger-pledgee. Types of bank accounts include current accounts, savings accounts, recurring deposits, and fixed/term deposits. A banker-customer relationship can end due to the death, insolvency, or lunacy of the customer, the customer or bank closing the account, the liquidation of a company, or the completion of a contract
Banker customer relationship
The document discusses the various types of relationships that can exist between a bank and its customers. It describes a banker as a dealer in capital who acts as an intermediary by borrowing from depositors and lending to others. A customer is defined as a person who has an account with the bank. The core relationships discussed are that of creditor-debtor when a customer deposits money, and debtor-creditor when a customer borrows from the bank. The document also outlines other relationships such as principal-agent, trustee-beneficiary, pawnee-pawner, mortgagee-mortgagor, and guarantor-guarantee.
BANKER CUSTOMER RELATIONSHIP
This document discusses the relationship between bankers and their customers, including their mutual rights and duties. It defines a banker as a financial institution that accepts deposits and lends money, and a customer as a person who has an account with a bank. The relationship can take several forms - debtor/creditor when a customer deposits money; bailor/bailee for safe deposit services; principal/agent when the bank acts on a customer's behalf; and trustee/beneficiary if a customer deposits securities for safekeeping. Mutual rights include set-off, appropriation, and charging interest on loans. Mutual duties include maintaining secrecy, honoring checks, following instructions, providing proper service, and submitting account statements.
BANKER CUSTOMER RELATIONSHIP
The relationship between a banker and a customer can take several forms depending on the type of account or transaction. The main relationships include:
1. Creditor-debtor, with the customer as creditor and banker as debtor for deposit accounts.
2. Debtor-creditor, with the roles reversed for loan accounts where the customer is the debtor.
3. Trustee-beneficiary for safe deposit accounts, where the banker acts as trustee for items kept for safekeeping.
The banker also has obligations to maintain customer confidentiality and honor checks properly presented, while customers must abide by terms of accounts like joint accounts.
Banker customer relationship
This document discusses the banker-customer relationship and the duties and rights of both parties. It covers topics such as:
- The definition of banking and what constitutes a customer relationship
- The types of transactions between a banker and customer and the roles each play (e.g. debtor, creditor)
- The duties of a banker including honoring checks, maintaining secrecy, and rendering accounts
- Exceptions and limitations on a banker's duties
- Rights of a banker such as liens, set-off, and appropriation of payments
- Duties of a customer such as maintaining minimum balances and providing proper instructions
2 banker -_customer_relationship
The document discusses the various types of relationships that exist between a banker and a customer. It outlines the different types of transactions such as deposits, loans, cheque collection, standing instructions, purchase of demand drafts/money transfers, safe custody of articles, and safe deposit lockers. For each transaction type, it explains the nature of the legal relationship between the banker and the customer, such as debtor-creditor, creditor-debtor, agent-principal, bailee-bailor, and lessor-lessee. The document also addresses questions related to closing an undesirable account, limitation period for savings bank accounts, termination of the banker-customer relationship, and rights regarding unsatisfactory accounts.
presentation is the relationship between Customer and Bank
The document discusses the relationship between bankers and customers. It explains that the core relationship is one of debtor and creditor, as the bank owes the deposited money back to the customer. The bank also acts as a trustee, holding securities and valuables for customers. Additionally, the banker serves as an agent by performing transactions like buying/selling securities and processing payments on behalf of customers. The obligations of bankers are to honor customers' checks if sufficient funds are available and to maintain strict secrecy and security of customer accounts and records.
Banking banker customer_nomination_etc
The document discusses various aspects of the relationship between banks and their customers. It outlines the obligations and rights of customers, including maintaining sufficient funds and bringing any discrepancies to the bank's notice. It also discusses how the relationship can be terminated voluntarily or by law. The document then covers operations in deposit accounts like minimum balances, interest rates and nomination facilities. Finally, it discusses key negotiable instruments like promissory notes, bills of exchange and cheques as defined in the Negotiable Instruments Act.
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Banker and customer relationship
A banker is responsible for maintaining positive customer relationships and delivering effective sales strategies. The term "customer" refers to the person who maintains an account at a specific bank branch. A banker-customer relationship is a special contract where a customer entrusts valuable items to the banker with the intention of retrieving them on demand. This relationship is that of a debtor-creditor or pledger-pledgee. Types of bank accounts include current accounts, savings accounts, recurring deposits, and fixed/term deposits. A banker-customer relationship can end due to the death, insolvency, or lunacy of the customer, the customer or bank closing the account, the liquidation of a company, or the completion of a contract
Banker customer relationship
The document discusses the various types of relationships that can exist between a bank and its customers. It describes a banker as a dealer in capital who acts as an intermediary by borrowing from depositors and lending to others. A customer is defined as a person who has an account with the bank. The core relationships discussed are that of creditor-debtor when a customer deposits money, and debtor-creditor when a customer borrows from the bank. The document also outlines other relationships such as principal-agent, trustee-beneficiary, pawnee-pawner, mortgagee-mortgagor, and guarantor-guarantee.
BANKER CUSTOMER RELATIONSHIP
This document discusses the relationship between bankers and their customers, including their mutual rights and duties. It defines a banker as a financial institution that accepts deposits and lends money, and a customer as a person who has an account with a bank. The relationship can take several forms - debtor/creditor when a customer deposits money; bailor/bailee for safe deposit services; principal/agent when the bank acts on a customer's behalf; and trustee/beneficiary if a customer deposits securities for safekeeping. Mutual rights include set-off, appropriation, and charging interest on loans. Mutual duties include maintaining secrecy, honoring checks, following instructions, providing proper service, and submitting account statements.
BANKER CUSTOMER RELATIONSHIP
The relationship between a banker and a customer can take several forms depending on the type of account or transaction. The main relationships include:
1. Creditor-debtor, with the customer as creditor and banker as debtor for deposit accounts.
2. Debtor-creditor, with the roles reversed for loan accounts where the customer is the debtor.
3. Trustee-beneficiary for safe deposit accounts, where the banker acts as trustee for items kept for safekeeping.
The banker also has obligations to maintain customer confidentiality and honor checks properly presented, while customers must abide by terms of accounts like joint accounts.
Banker customer relationship
This document discusses the banker-customer relationship and the duties and rights of both parties. It covers topics such as:
- The definition of banking and what constitutes a customer relationship
- The types of transactions between a banker and customer and the roles each play (e.g. debtor, creditor)
- The duties of a banker including honoring checks, maintaining secrecy, and rendering accounts
- Exceptions and limitations on a banker's duties
- Rights of a banker such as liens, set-off, and appropriation of payments
- Duties of a customer such as maintaining minimum balances and providing proper instructions
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The document discusses the various types of relationships that exist between a banker and a customer. It outlines the different types of transactions such as deposits, loans, cheque collection, standing instructions, purchase of demand drafts/money transfers, safe custody of articles, and safe deposit lockers. For each transaction type, it explains the nature of the legal relationship between the banker and the customer, such as debtor-creditor, creditor-debtor, agent-principal, bailee-bailor, and lessor-lessee. The document also addresses questions related to closing an undesirable account, limitation period for savings bank accounts, termination of the banker-customer relationship, and rights regarding unsatisfactory accounts.
presentation is the relationship between Customer and Bank
The document discusses the relationship between bankers and customers. It explains that the core relationship is one of debtor and creditor, as the bank owes the deposited money back to the customer. The bank also acts as a trustee, holding securities and valuables for customers. Additionally, the banker serves as an agent by performing transactions like buying/selling securities and processing payments on behalf of customers. The obligations of bankers are to honor customers' checks if sufficient funds are available and to maintain strict secrecy and security of customer accounts and records.
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The document discusses various aspects of the relationship between banks and their customers. It outlines the obligations and rights of customers, including maintaining sufficient funds and bringing any discrepancies to the bank's notice. It also discusses how the relationship can be terminated voluntarily or by law. The document then covers operations in deposit accounts like minimum balances, interest rates and nomination facilities. Finally, it discusses key negotiable instruments like promissory notes, bills of exchange and cheques as defined in the Negotiable Instruments Act.
Banker and customer Realtionship
A banker is defined as a person who carries on the business of receiving money and collecting data for customers, with the obligation to honor payments from their current accounts. A customer is a person who maintains an account with the bank, regardless of how often they use the account. The relationship between a banker and customer is generally that of a debtor and creditor, but it can also involve special relationships like pledger and pledgee, bailor and bailee, trustee and beneficiary, agent and principal, advisor and client, or hypothecator and hypothecatee. Bankers have rights like lien, setoff, appropriation, and to charge interest and fees. Their obligations include accepting deposits, honoring checks
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This document discusses the banker-customer relationship and the duties and rights of both parties. It covers topics such as:
- The definition of banking and what constitutes a customer relationship
- The types of transactions between a banker and customer and the roles each play (e.g. debtor, creditor)
- The duties of a banker including honoring checks, maintaining secrecy, and rendering accounts
- Exceptions where a banker can disclose customer information or break secrecy
- The rights of a banker including lien, set-off, and appropriation
- When the relationship can be terminated and the customer's corresponding duties
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This document discusses the relationship between bankers and customers, as well as the rights, duties, and obligations of bankers. It notes that the banker-customer relationship can take several forms, including debtor-creditor, pledger-pledgee, licensor-licensee, bailor-bailee, and hypothecator-hypothecatee. The rights of bankers include the right of appropriation, lien, and set-off, as well as the right to charge interest and service fees. Bankers' duties include informing customers of forgeries, account balances, and responding to notices of death, as well as repaying money and providing notice before closing accounts. Obligations of bankers involve honoring checks
Banker customer relationship
The document discusses the relationship between bankers and customers. It outlines that they have a contractual relationship and the banker acts as an intermediary between borrowers and lenders. The main relationships discussed are:
1. Creditor-debtor, with the customer as creditor and banker as debtor for deposit accounts.
2. Debtor-creditor, with the customer as debtor when taking a loan from the banker creditor.
3. Principal-agent, with the banker performing services like collections and payments as an agent for the customer principal.
4. Other relationships like trustee-beneficiary, bailor-bailee, pawner-pawnee, mortgagor-mort
Banker & customer
The document discusses the relationship between bankers and customers. It defines a banker as a person who receives money from customers and repays it on demand. A customer is a person who has an account, either deposit or current, with the banker.
The relationship is contractual, with the banker as debtor and the customer as creditor. However, the roles can be reversed if the banker lends money to the customer. The relationship also involves aspects of an agency with obligations and rights on both sides.
The document outlines circumstances when a banker must or may dishonor a customer's cheque, as well as protections afforded to paying and collecting bankers.
Bank and custoemer_relation_new
This document discusses the various legal relationships that can exist between a banker and a customer. It defines key terms like banker, banking, customer and explores different types of relationships such as:
1. Debtor-creditor relationship - when a customer deposits money, the bank is the debtor and customer is the creditor. When a bank grants a loan, the roles reverse.
2. Principal-agent relationship - when a bank acts on behalf of a customer, such as by collecting checks or buying/selling securities, it takes on the role of the customer's agent.
3. Bailor-bailee relationship - this can arise when a customer avails safe deposit services or pledges stocks/
Relationhip between banker and customer
The relationship between a banker and customer depends on the type of activities and services provided by the bank. The Banking Regulation Act 1949 defines banking as accepting deposits from the public that are repayable on demand and allowing withdrawals by cheque. Customers can be existing customers with accounts, former customers, potential customers, or those who visit a branch but don't have accounts. The relationship is based on a contract and terms and conditions, and can take various forms like debtor-creditor for deposits, creditor-debtor for loans, trustee for safekeeping assets, bailee-bailor for safe deposit lockers, or lessor-lessee for rented property.
Relationship Between Banker and Customer
elationship between banker and customer
,
definition of a banker and customer
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definition of banking
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general relationship between banker and customer
,
relationship as debtor and creditor
,
special relationship: banker as trustee
,
pawner and pawnee
,
bailer and bailment relationship
,
mortgager and mortgagee relationship
,
executer
,
attorney
,
guarantor
,
duties of a customer
,
rights and duties of the banker towards the custom
,
rights of a banker
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garnishee order
Banker customer relationship
The document discusses the banker-customer relationship. It defines a banker as someone who receives deposits and honors cheques/drafts subject to fund availability. A customer is anyone who has an account with the bank.
The key relationships between a banker and customer are:
1) Creditor-debtor, with the customer as creditor when making deposits, and debtor when taking loans
2) Principal-agent, when the bank provides services like bill payments on behalf of the customer
3) Other special relationships can include bailee-bailor for safe deposit boxes, pawnee-pawner for assets pledged as collateral.
The bank has obligations to maintain customer confidentiality, honor checks
Banker and customer relationship
This document discusses the relationship between banks and their customers. It outlines that banks core business is accepting deposits from the public and utilizing those deposits to lend to borrowers or make investments. There are two types of deposits - demand deposits which are payable on demand like current accounts, and time deposits which are held for a specified period of time. The document then discusses the various roles and relationships that exist between banks and customers such as debtor-creditor, principal-agent, bailee-bailor, and more. It also outlines the rights and obligations of both banks and customers in the relationship.
Banker and customer relationship
includes types of banker and customer relationship. functions of bank. bankers obligations. banker rights
Banker And Customer Realationship5
The relationship between bankers and customers is important. Bankers are dealers in capital who borrow from depositors and lend to borrowers, acting as intermediaries. Customers maintain accounts with banks. The general relationship is one of debtor and creditor, with banks owing safekeeping of deposits. There are also special relationships, like principal and agent when banks perform services on customers' behalf, or bailee and bailer for safekeeping of valuables. Customers have rights like accessing accounts, while banks have duties like honoring checks according to terms of accounts and loans. Both parties also have obligations regarding secrecy of accounts.
Banker and Customer
The document discusses key concepts related to banking. It defines a banker as someone who accepts deposits that can be withdrawn by cheque and uses those deposits to make loans and investments. It also defines a customer as anyone who maintains a bank account. The relationship between banker and customer is described as debtor-creditor, principal-agent, and other specialized relationships like bailee-bailor and mortgagor-mortgagee. The document also outlines key obligations of bankers like honoring checks, maintaining confidentiality, and handling accounts of deceased customers.
Banker and customer relationships
The document discusses various types of relationships that can exist between banks and their customers. It defines a banker as someone who receives money and handles financial transactions for customers, and a customer as someone who has an account with the bank.
The relationships are categorized as general relationships and special relationships. General relationships include debtor-creditor, agent-principal, trustee-beneficiary, bailee-bailor, and pawnee-pawner. Special relationships address guarantees, indemnifiers, and specific types of customers like minors, married women, illiterate persons, and joint Hindu families. Duties and legal aspects are discussed for each relationship type.
Banker customer relationship
This document discusses the banker-customer relationship. It defines a customer as someone who has an account, such as a deposit or current account, with a bank. It outlines the qualifications needed to be a customer, including not being a minor and being of sound mind. The rights of customers include drawing checks against their credit balance and suing the bank for wrongful dishonor of checks or lack of secrecy. Duties of customers include timely check presentation and safekeeping of checkbooks. The rights of bankers include lien and set-off. The relationship can terminate via notice, death, insanity, insolvency, court order, or unsatisfactory operations.
Banker and customer relationship
The document discusses the relationship between bankers and customers. It defines a banker as a person who manages or owns a bank, and a customer as a person who buys goods and services or has an account with a bank. The relationship can be classified as debtor-creditor, creditor-debtor, or involve special relationships where the banker acts as a trustee, bailee, lessor, or agent on behalf of the customer.
Banker customer relationship
The document defines what constitutes a banker and a customer according to various sources such as the Bill of Exchange Act and authors like Heber L. Hart and Sir John Paget. It also summarizes the key rights and duties of bankers and customers, including a banker's duty of secrecy regarding customer accounts and information.
Rights under garnishee order
A garnishee order issued by a court suspends a banker's obligation to honor the checks of a customer. If a customer fails to repay a loan, the lender can request the court issue a garnishee order directing the bank not to make payments from the customer's account. The garnishee order is issued in two phases - first an order nisi is sent to the bank, then if the bank has no objections an order absolute is issued, allowing the debt to be paid to the lender from the customer's account and discharging the bank's obligation to the customer.
Chapter 10 banker- customer relationship
The document discusses key definitions and concepts related to banking law in India. It defines terms like "banker" and "customer" and outlines how the legal relationship between them is established. It also examines the various roles and duties of a banker, including as a debtor, trustee, agent, and bailee. The document also discusses exceptions to the general duty of confidentiality bankers owe to customers, as well as how the banker-customer relationship can be terminated.
Banker and Customer Relationship
The summary provides an overview of the key aspects of the relationship between a banker and a customer according to the document:
1. The relationship can be general, where the banker is a debtor and the customer is a creditor, or it can be special, with the banker taking on additional roles as a trustee, bailee, lessor, agent, custodian, or guarantor.
2. Banks must follow know-your-customer guidelines and apply customer due diligence to comply with anti-money laundering regulations.
3. The main types of bank accounts are current accounts, savings accounts, fixed/term deposits, and recurring deposits, each with different eligibility and features.
Banker and customer relationship
The document discusses key definitions and concepts relating to the banker-customer relationship under UK law, including:
1) The definition of a bank focuses on collecting deposits, paying cheques, and keeping customer accounts. A customer relationship is formed upon account opening.
2) Regulations include various Banking Codes covering retail, business, and mortgage customers. The Data Protection Act governs use of customer data.
3) Key implied terms in the banker-customer contract include duties to repay deposits, honour valid instructions, give notice before account closure, and maintain confidentiality of customer information.
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Banker and customer Realtionship
A banker is defined as a person who carries on the business of receiving money and collecting data for customers, with the obligation to honor payments from their current accounts. A customer is a person who maintains an account with the bank, regardless of how often they use the account. The relationship between a banker and customer is generally that of a debtor and creditor, but it can also involve special relationships like pledger and pledgee, bailor and bailee, trustee and beneficiary, agent and principal, advisor and client, or hypothecator and hypothecatee. Bankers have rights like lien, setoff, appropriation, and to charge interest and fees. Their obligations include accepting deposits, honoring checks
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This document discusses the banker-customer relationship and the duties and rights of both parties. It covers topics such as:
- The definition of banking and what constitutes a customer relationship
- The types of transactions between a banker and customer and the roles each play (e.g. debtor, creditor)
- The duties of a banker including honoring checks, maintaining secrecy, and rendering accounts
- Exceptions where a banker can disclose customer information or break secrecy
- The rights of a banker including lien, set-off, and appropriation
- When the relationship can be terminated and the customer's corresponding duties
Rights & Duties of Customers - Banking Operations
Brief presentation on basic Rights offered by bank to customers & duties which lies on customers end.
Banking law & practices
This document discusses the relationship between bankers and customers, as well as the rights, duties, and obligations of bankers. It notes that the banker-customer relationship can take several forms, including debtor-creditor, pledger-pledgee, licensor-licensee, bailor-bailee, and hypothecator-hypothecatee. The rights of bankers include the right of appropriation, lien, and set-off, as well as the right to charge interest and service fees. Bankers' duties include informing customers of forgeries, account balances, and responding to notices of death, as well as repaying money and providing notice before closing accounts. Obligations of bankers involve honoring checks
Banker customer relationship
The document discusses the relationship between bankers and customers. It outlines that they have a contractual relationship and the banker acts as an intermediary between borrowers and lenders. The main relationships discussed are:
1. Creditor-debtor, with the customer as creditor and banker as debtor for deposit accounts.
2. Debtor-creditor, with the customer as debtor when taking a loan from the banker creditor.
3. Principal-agent, with the banker performing services like collections and payments as an agent for the customer principal.
4. Other relationships like trustee-beneficiary, bailor-bailee, pawner-pawnee, mortgagor-mort
Banker & customer
The document discusses the relationship between bankers and customers. It defines a banker as a person who receives money from customers and repays it on demand. A customer is a person who has an account, either deposit or current, with the banker.
The relationship is contractual, with the banker as debtor and the customer as creditor. However, the roles can be reversed if the banker lends money to the customer. The relationship also involves aspects of an agency with obligations and rights on both sides.
The document outlines circumstances when a banker must or may dishonor a customer's cheque, as well as protections afforded to paying and collecting bankers.
Bank and custoemer_relation_new
This document discusses the various legal relationships that can exist between a banker and a customer. It defines key terms like banker, banking, customer and explores different types of relationships such as:
1. Debtor-creditor relationship - when a customer deposits money, the bank is the debtor and customer is the creditor. When a bank grants a loan, the roles reverse.
2. Principal-agent relationship - when a bank acts on behalf of a customer, such as by collecting checks or buying/selling securities, it takes on the role of the customer's agent.
3. Bailor-bailee relationship - this can arise when a customer avails safe deposit services or pledges stocks/
Relationhip between banker and customer
The relationship between a banker and customer depends on the type of activities and services provided by the bank. The Banking Regulation Act 1949 defines banking as accepting deposits from the public that are repayable on demand and allowing withdrawals by cheque. Customers can be existing customers with accounts, former customers, potential customers, or those who visit a branch but don't have accounts. The relationship is based on a contract and terms and conditions, and can take various forms like debtor-creditor for deposits, creditor-debtor for loans, trustee for safekeeping assets, bailee-bailor for safe deposit lockers, or lessor-lessee for rented property.
Relationship Between Banker and Customer
elationship between banker and customer
,
definition of a banker and customer
,
definition of banking
,
general relationship between banker and customer
,
relationship as debtor and creditor
,
special relationship: banker as trustee
,
pawner and pawnee
,
bailer and bailment relationship
,
mortgager and mortgagee relationship
,
executer
,
attorney
,
guarantor
,
duties of a customer
,
rights and duties of the banker towards the custom
,
rights of a banker
,
garnishee order
Banker customer relationship
The document discusses the banker-customer relationship. It defines a banker as someone who receives deposits and honors cheques/drafts subject to fund availability. A customer is anyone who has an account with the bank.
The key relationships between a banker and customer are:
1) Creditor-debtor, with the customer as creditor when making deposits, and debtor when taking loans
2) Principal-agent, when the bank provides services like bill payments on behalf of the customer
3) Other special relationships can include bailee-bailor for safe deposit boxes, pawnee-pawner for assets pledged as collateral.
The bank has obligations to maintain customer confidentiality, honor checks
Banker and customer relationship
This document discusses the relationship between banks and their customers. It outlines that banks core business is accepting deposits from the public and utilizing those deposits to lend to borrowers or make investments. There are two types of deposits - demand deposits which are payable on demand like current accounts, and time deposits which are held for a specified period of time. The document then discusses the various roles and relationships that exist between banks and customers such as debtor-creditor, principal-agent, bailee-bailor, and more. It also outlines the rights and obligations of both banks and customers in the relationship.
Banker and customer relationship
includes types of banker and customer relationship. functions of bank. bankers obligations. banker rights
Banker And Customer Realationship5
The relationship between bankers and customers is important. Bankers are dealers in capital who borrow from depositors and lend to borrowers, acting as intermediaries. Customers maintain accounts with banks. The general relationship is one of debtor and creditor, with banks owing safekeeping of deposits. There are also special relationships, like principal and agent when banks perform services on customers' behalf, or bailee and bailer for safekeeping of valuables. Customers have rights like accessing accounts, while banks have duties like honoring checks according to terms of accounts and loans. Both parties also have obligations regarding secrecy of accounts.
Banker and Customer
The document discusses key concepts related to banking. It defines a banker as someone who accepts deposits that can be withdrawn by cheque and uses those deposits to make loans and investments. It also defines a customer as anyone who maintains a bank account. The relationship between banker and customer is described as debtor-creditor, principal-agent, and other specialized relationships like bailee-bailor and mortgagor-mortgagee. The document also outlines key obligations of bankers like honoring checks, maintaining confidentiality, and handling accounts of deceased customers.
Banker and customer relationships
The document discusses various types of relationships that can exist between banks and their customers. It defines a banker as someone who receives money and handles financial transactions for customers, and a customer as someone who has an account with the bank.
The relationships are categorized as general relationships and special relationships. General relationships include debtor-creditor, agent-principal, trustee-beneficiary, bailee-bailor, and pawnee-pawner. Special relationships address guarantees, indemnifiers, and specific types of customers like minors, married women, illiterate persons, and joint Hindu families. Duties and legal aspects are discussed for each relationship type.
Banker customer relationship
This document discusses the banker-customer relationship. It defines a customer as someone who has an account, such as a deposit or current account, with a bank. It outlines the qualifications needed to be a customer, including not being a minor and being of sound mind. The rights of customers include drawing checks against their credit balance and suing the bank for wrongful dishonor of checks or lack of secrecy. Duties of customers include timely check presentation and safekeeping of checkbooks. The rights of bankers include lien and set-off. The relationship can terminate via notice, death, insanity, insolvency, court order, or unsatisfactory operations.
Banker and customer relationship
The document discusses the relationship between bankers and customers. It defines a banker as a person who manages or owns a bank, and a customer as a person who buys goods and services or has an account with a bank. The relationship can be classified as debtor-creditor, creditor-debtor, or involve special relationships where the banker acts as a trustee, bailee, lessor, or agent on behalf of the customer.
Banker customer relationship
The document defines what constitutes a banker and a customer according to various sources such as the Bill of Exchange Act and authors like Heber L. Hart and Sir John Paget. It also summarizes the key rights and duties of bankers and customers, including a banker's duty of secrecy regarding customer accounts and information.
Rights under garnishee order
A garnishee order issued by a court suspends a banker's obligation to honor the checks of a customer. If a customer fails to repay a loan, the lender can request the court issue a garnishee order directing the bank not to make payments from the customer's account. The garnishee order is issued in two phases - first an order nisi is sent to the bank, then if the bank has no objections an order absolute is issued, allowing the debt to be paid to the lender from the customer's account and discharging the bank's obligation to the customer.
Chapter 10 banker- customer relationship
The document discusses key definitions and concepts related to banking law in India. It defines terms like "banker" and "customer" and outlines how the legal relationship between them is established. It also examines the various roles and duties of a banker, including as a debtor, trustee, agent, and bailee. The document also discusses exceptions to the general duty of confidentiality bankers owe to customers, as well as how the banker-customer relationship can be terminated.
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Banker and Customer Relationship
The summary provides an overview of the key aspects of the relationship between a banker and a customer according to the document:
1. The relationship can be general, where the banker is a debtor and the customer is a creditor, or it can be special, with the banker taking on additional roles as a trustee, bailee, lessor, agent, custodian, or guarantor.
2. Banks must follow know-your-customer guidelines and apply customer due diligence to comply with anti-money laundering regulations.
3. The main types of bank accounts are current accounts, savings accounts, fixed/term deposits, and recurring deposits, each with different eligibility and features.
Banker and customer relationship
The document discusses key definitions and concepts relating to the banker-customer relationship under UK law, including:
1) The definition of a bank focuses on collecting deposits, paying cheques, and keeping customer accounts. A customer relationship is formed upon account opening.
2) Regulations include various Banking Codes covering retail, business, and mortgage customers. The Data Protection Act governs use of customer data.
3) Key implied terms in the banker-customer contract include duties to repay deposits, honour valid instructions, give notice before account closure, and maintain confidentiality of customer information.
Bankercustomerrelationship 091117065209-phpapp01 (1)
The document discusses the relationship between bankers and customers. It defines key terms like banker, customer, and the different types of relationships that can exist between them such as creditor-debtor, trustee-beneficiary, principal-agent, and lessee-lessor. It outlines the obligations of banks to customers like honoring checks and maintaining secrecy. It also describes the rights of bankers including lien and set-off. Special types of customers like minors, drunkards, lunatics, partnerships and companies are also discussed.
Banker's duty of secrecy
Bankers have a duty of secrecy to keep their customers' affairs confidential, even after an account is closed or the customer passes away. This duty is a legal obligation, and breaching it could result in damages. There are some exceptions to this duty of secrecy, including when disclosure is compelled by law, such as responding to a court summons. Disclosure may also be allowed where there is a duty to the public or where the bank's interests require it, such as informing a guarantor when trying to recover debts. Disclosure with a customer's express or implied consent is also permitted.
Lecture 4 confidentiality, disclosure and the law.1
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This document summarizes a lecture on confidentiality, disclosure, and the law as it relates to counseling. It covers the legal boundaries of maintaining confidentiality, when disclosure is appropriate, and circumstances where confidentiality may be overridden by public interest concerns like suspected child abuse or prevention of serious crime. Specific topics discussed include the concepts of confidentiality, privilege, and public interest in both maintaining and requiring disclosure of confidential information. Factors counselors should consider regarding issues like duty to warn or reporting suspected child abuse are also addressed.Banking practics
This PPT explains the concepts of Banking practices and obligations, and Banking Ombudsman Scheme, 2006
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Lecture 4 confidentiality, disclosure and the law.1
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Customer and Banker Relationship overview.ppt
The document discusses the relationship between bankers and customers. It defines bankers as dealers in capital who borrow from depositors and lend to borrowers. Customers are those who maintain bank accounts. The relationship involves general debtor-creditor ties where the bank owes customers the security of deposits. It also covers special agency relationships where the bank acts on customers' behalf. Overall, the document outlines the rights and duties of both bankers and customers in their relationship.
Module 2 Banker & Customer Relationship.pptx
Dell Technologies
NVIDIA Corporation
Twitter Inc.
Uber Technologies Inc.
Airbnb Inc.
Alibaba Group Holding Limited
Tencent Holdings Limited
Netflix Inc.
These companies have a history of strategic acquisitions to expand their business, enter new markets, or acquire talent and technology.
acqusition with other company list
ChatGPT
Certainly, here's a list of some notable acquisitions made by large companies:
Facebook (Meta Platforms, Inc.):
Instagram
WhatsApp
Oculus VR
CTRL-labs
Giphy
Beat Games (developer of VR game Beat Saber)
Alphabet Inc. (Google):
YouTube
DoubleClick
Nest Labs
Fitbit
Waze
Motorola Mobility
Amazon:
Whole Foods Market
Zappos
Ring
Twitch
PillPack
Audible
Microsoft Corporation:
LinkedIn
GitHub
Skype
Mojang (developer of Minecraft)
ZeniMax Media (parent company of Bethesda Softworks)
Apple Inc.:
Beats Electronics
Shazam
PrimeSense
NextVR
Dark Sky
Oracle Corporation:
Sun Microsystems
NetSuite
PeopleSoft
Siebel Systems
Hyperion Solutions Corporation
IBM (International Business Machines Corporation):
Red Hat
The Weather Company
Cognos
SoftLayer Technologies
SPSS
Salesforce:
Tableau Software
MuleSoft
Slack Technologies
ClickSoftware
Cisco Systems:
AppDynamics
Meraki
WebEx
Jasper Technologies
OpenDNS
Intel Corporation:
Mobileye
Altera Corporation
McAfee
Nervana Systems
Habana Labs
These acquisitions represent strategic moves by these companies to strengthen their product offerings, expand into new markets, or acquire valuable technology and talent.
If you're referring to acquisitions made by companies prior to the implementation of the Goods and Services Tax (GST), here are some acquisitions that occurred before GST was introduced:
Facebook (Meta Platforms, Inc.):
Instagram (Acquired in 2012)
WhatsApp (Acquired in 2014)
Oculus VR (Acquired in 2014)
Alphabet Inc. (Google):
YouTube (Acquired in 2006)
DoubleClick (Acquired in 2008)
Nest Labs (Acquired in 2014)
Amazon:
Zappos (Acquired in 2009)
Twitch (Acquired in 2014)
Microsoft Corporation:
LinkedIn (Acquired in 2016)
Skype (Acquired in 2011)
Apple Inc.:
Beats Electronics (Acquired in 2014)
Shazam (Acquisition announced in 2017, completed in 2018)
Oracle Corporation:
Sun Microsystems (Acquired in 2010)
Siebel Systems (Acquired in 2006)
IBM (International Business Machines Corporation):
Cognos (Acquired in 2007)
SPSS (Acquired in 2009)
Salesforce:
Tableau Software (Acquired in 2019)
MuleSoft (Acquired in 2018)
Cisco Systems:
WebEx (Acquired in 2007)
Meraki (Acquired in 2012)
Intel Corporation:
McAfee (Acquired in 2011)
Altera Corporation (Acquired in 2015)
These are just a few examples of acquisitions made by companies prior to the implementation of GST. These acquisitions have played significant roles in shaping the strategies and offerings of these tech giants.
If you're referring to acquisitions made by companies prior to the implementation of the Goods and Services Tax (GST), here are some acquisitions that occurred before GST was introduced:
Facebook (Meta Platforms, Inc.)
Banker and customer
The relationship between a banker and customer is contractual in nature, governed by the Negotiable Instruments Act and Indian Contract Act. A customer is anyone who opens an account with a bank.
The essence of the relationship is the bank's obligation to honor the customer's cheques, as long as sufficient funds are available. The banker acts as a debtor to the customer creditor, and has duties of confidentiality, honoring cheques, and supplying account statements.
The banker can dishonor cheques in certain situations like insufficient funds, ambiguity, or notice of customer death. A paying banker makes payment on a cheque, while a collecting banker receives payment on behalf of a customer. Collecting bankers have protection from liability
Banker and customer
This document discusses the relationship between bankers and customers. It defines what constitutes a bank and banker according to Indian law. A customer is anyone who has an account with the banker. The relationship is contractual in nature, with the banker as the debtor and customer as the creditor. Key features of the relationship include the banker acting as trustee, agent, bailee, mortgagee, and lessor for the customer in various contexts. The document outlines duties of bankers such as honoring checks, supplying account statements, and maintaining confidentiality. It also discusses rights of bankers like setting off accounts and appropriating payments. The roles and duties of paying bankers and collecting bankers are defined in the context of crossed checks. The document provides scenarios in
BANKER CUSTOMER RELATIONSHIP.pptx
A banker is defined as a body corporate that accepts deposits from the public, lends money, invests deposited funds, and allows withdrawals. A customer is an individual or organization that conducts banking transactions. There are four types of customers: existing account holders, former account holders, non-account visitors, and prospective account holders. The core relationship between a banker and customer is that of debtor and creditor when a deposit is made, and creditor and debtor when a loan is given. Additional relationships include bailee and bailor regarding secured assets, and agent and principal regarding services performed on a customer's behalf.
Unit 1 to 5 blp notes
This document discusses banking and banking concepts such as cheques. It begins by defining banking and explaining the relationship between bankers and customers. It then discusses the primary functions of banks in accepting deposits and lending loans. The document also covers cheque related concepts like crossing, dishonour and types of dishonour. It distinguishes between bills of exchange and cheques. In summary, the document provides an overview of key banking and cheque concepts.
Unit 1 to 5 blp notes
This document discusses banking and banking concepts such as cheques. It begins by defining banking and explaining the relationship between bankers and customers. It then discusses the key functions of banks including accepting deposits and lending loans. The document also covers types of accounts, loans, and other banking services. It defines what a cheque is and explores concepts like crossing, dishonouring, and different types of dishonour of cheques. The rights and duties of both customers and bankers are also summarized.
Bank and Customer.pptx
The relationship between a bank and its customers can take several forms depending on the type of transaction. Common relationships include debtor-creditor for deposit and loan accounts, trustee for safe deposit boxes, agent-principal for bill payments, bailee-bailor for security holdings, and lessor-lessee for safe deposit lockers. Asset-liability management (ALM) aims to generate earnings, maintain safety and soundness through adequate capital levels, and manage risks from mismatches between expected and actual cash flows.
COMMERCIAL BANKS & SCHEMES OF COMMERCIAL BANKS.pptx
The document discusses various loan schemes offered by commercial banks to small businesses and MSMEs. It describes fund based facilities like loans, overdrafts, cash credits, and bill discounting which provide working capital. It also discusses non-fund based facilities like letters of credit and bank guarantees. The document provides details on the purpose and functioning of each facility.
S.y. banking ch 1
This document discusses key definitions and concepts related to banking law and the banker-customer relationship in India. It defines a banker according to Sir John Paget and defines a customer based on the "duration theory". It outlines general characteristics of the banker-customer relationship including that the banker is a privileged debtor, has the right of set-off, and can lend deposited funds. It also discusses special characteristics such as the banker's obligation to honor checks, maintain account secrecy, exercise lien, and charge incidental fees. The document provides context and examples for understanding these important banking law concepts in India.
Relationship between Banker and Customer
The relationship between a banker and customer can take several forms:
1. Debtor-creditor, where the bank is a debtor when a customer deposits money and a creditor when providing loans.
2. Bailee-bailor, where the bank takes custody of customer valuables as a bailee responsible for their safe return.
3. Trustee-beneficiary, where the bank acts as trustee for customer securities and valuables held for safekeeping.
4. Principal-agent, where the bank performs agency functions like cheque collection on behalf of the customer principal.
5. Pledgee-pledger, where the bank holds customer movable property as collateral security with the customer as p
1.3.pptx
A banker is an organization that accepts deposits from the public and uses those funds to lend or invest. A customer is anyone who has an account with the bank. The relationship between a banker and customer takes on several roles - debtor-creditor when the bank accepts deposits, trustee-beneficiary when the bank manages a customer's money, agent-principal when the bank acts on a customer's behalf, bailee-bailor regarding safe deposit boxes, and lessor-lessee regarding locker rentals. Bankers have obligations to honor checks, maintain secrecy, and protect against employee fraud. They also have rights like bankers' liens, setoff of accounts, and appropriation of deposits in the absence of instructions
Banker customer relationship banking
The presentation deals with various relationships between a bank and its customer. This presentation defines bank and customer along with this it explains 4 major relationships of bank and customer
02 banker customer realtion ship and special types of accounts
Retail banking provides mass-market banking services to individual customers through local branches. It aims to offer a wide range of financial products like savings and checking accounts, loans, credit/debit cards, and investments. Retail banks also provide services like wealth management. Key products offered are various loan types, deposit accounts, debit cards, mutual funds, insurance, and bill payment services. The relationship between a banker and customer involves obligations on both sides. A customer is defined as someone who opens and maintains an account. Know Your Customer norms require identity and address proof documents from new customers.
BUS 116 Chap018 banking
This document outlines key concepts regarding bank-depositor relationships and the check collection process. It discusses the duties of both banks and depositors, including a bank's duty to honor checks and protect funds. The document also describes the check collection process, defining terms like depositary bank, payor bank, and intermediary bank. It explains laws governing checks, like the Check 21 Act, which allows for electronic check processing and substitute checks. The Electronic Funds Transfer Act and consumer protections for electronic banking are also summarized.
Banker and customer relationship (ppt)
BANKER,
CUSTOMER
RELATIONSHIP BETWEEN BANKER AND CUSTOMER
RIGHTS AND DUTIES OF A BANKER
Banking theory law and practice
The slide detailed speaks about Banking and its functions. it is very much useful for Under graduate Commerce Students.
10. Banker & Customer Relationship.pptx
The relationship between a banker and customer is contractual and governed by both law and custom. There are several types of relationships that can exist: debtor-creditor, when the bank holds deposits or provides loans; trustee-beneficiary, when deposits are made with specific instructions; principal-agent, when the bank buys/sells securities on behalf of the customer; and others such as trader-consumer, bailor-bailee, guarantor-beneficiary, mortgager-mortgagee, and pledger-pledgee. The relationship can be terminated by either the customer or banker and both parties have associated rights and obligations.
BRANCH BANKING
This document summarizes branch banking and various financial services offered by banks in Pakistan. It discusses the functions of bank branches, types of accounts including current, savings, term deposits and foreign currency accounts. It also outlines various payment and remittance services such as demand drafts, pay orders, telegraphic transfers, and online fund transfers. Additionally, it describes personal and business loan facilities including secured loans, credit cards, mortgages and business financing. Finally, it provides an overview of personal finance and how banks can help individuals and families manage their finances.
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COMMERCIAL BANKS & SCHEMES OF COMMERCIAL BANKS.pptx
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02 banker customer realtion ship and special types of accounts
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Banker custumer relationship
- 1. BANKER AND CUSTOMER RELATIONSHIP PRABHAT VERMA - 248 MUKUL GUPTA - 284 PRERIT SRIVASTAVA - 270 ALFARID M. HUSSAIN -08 PIYUSH GILHOTRA - 242
- 2. Banker and Customer Relationship • The relationship between the banker and customer is very important. Both serve the society to grow and the economy to expand.
- 3. What is the meaning of Banker? Banking has been defined as “Accepting for the purpose of lending or investment of deposits of money from the public, repayable on demand or otherwise and withdrawals by check, draft, order or otherwise. What is the meaning of a Customer? A customer is a person who maintains an account with the bank, without taking into consideration the duration and frequency of operation of his account.
- 4. Banker and Customer Relationship • The relationship between the banker and customer is very important. It is generally studied under the following two heads. • General relationship • Special relationship
- 5. General Relationship Debtor and Creditor: • The true relationship between banker and customer is primarily of a debtor and creditor. • When a customer deposits money with a bank, the bank then is the debtor and the customer is the creditor. • The customer expects from the bank that • His money will be kept safe by the bank • It will be returned on demand within business hours • The money will be intact and safe and will give some thing by the way of return (interest).
- 6. Special Relationship • Bailer and Bailment • Pawner and Pawnee • Mortgager and Mortgagee • Bank as Trustee • Bank as agent • Executer, Attorney, Guarantor
- 7. Duties of a customer • It is the duty of the customer to present checks and other negotiable instruments during the business hour of the bank. • The instruments of credit should be presented by the customer with in due time from their dates of issue. • A customer must keep the check books issued by the bank in safe custody. In case of theft or loss, it is the duty of the customer to report the matter immediately to the bank. • A customer should fill the check with utmost care. • If a customer find any forgery in the amounts of the check issued by him. It should then immediately be reported to the bank.
- 8. Rights of a customer • A customer who has deposited money can draw check on his account up to the extent of his credit balance or according to overdrawing limit sanctioned by the bank. • A customer has the right to receive statement of accounts from the bank. • A customer has the right to sue the bank for compensation of a wrongful dishonor of his check. • A customer has a right to sue and demand compensation if the bank fails to maintain the secrecy of his account.
- 9. Duties or obligations of a banker towards the customer • To honor a customer’s check • Standing orders It is the duty of the bank to abide by the standing orders of the customers in making periodical payments on his behalf such as club, library, insurance premium etc. • Secrecy of the customer’s account The bank owes a contractual duty not to disclose the customer’s financial position without his consent. • GARNISHEE ORDER (ORDER OF THE COURT) It is the duty of the banker to abide by the order of the court (garnishee order) and attached the funds of the customer to the creditors who has obtained the order in his favor.
- 10. Rights of a Banker • Right to set off It is a right of the banker to adjust his outstanding loans in the name of the customer from his credit balance of any of the accounts he is maintaining with the bank. • Right to charge interest, commission etc. It is the right of the banker to charge interest commission etc. according to the rates for the services the banker has rendered to the customer as agent, trustee etc. It is the right of the banker to charge interest commission etc. according to the rates for the services the banker has rendered to the customer as agent, trustee etc. • Right to lien A banker has the right to retain the property belonging to the customer until the debt due from him has been paid.