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.

1. TOPIC- RELATIONHIP BETWEEN BANKER AND CUSTOMER
PRESENTED BY
PINKEY RANA

2.  The relationship between a banker and a
customer depends on the activities; products
or services provide by bank to its customer.

3.  The B R Act 1949 does not define the term
banker but defines what banking is?
 As per sec.5 (b) of the B R Act “Banking’
means accepting, for the purpose of lending
or investment, of deposits of money from the
public repayable on demand or otherwise and
withdrawal by cheque, draft, order or
otherwise.”

4.  The word customer has been derived from
the word ‘custom’ has been derived from the
word custom which means a ‘habit or
tendency’ to do certain things in a regular or
a particular manner’s

5.  Bank customers can be categorized in to four
broad categories as under:
(a) Existing customers - Those who maintain
account relationship with banks.
(b) Former customer - those who had account
relationship with bank.

6. (c) Those who do not maintain any account
relationship with the bank but frequently visit
branch of a bank for availing banking
facilities such as en-cashing a cheque etc.
technically they are not customer.
(d) Potential customer-those who
intend(plan)to have account relationship with
the bank.

7.  The relationship between a banker and a
customer depends on the type of transaction.
 The relationship is based on contract and on
certain terms and conditions.
 There are numerous kinds of relationship
between banker and a customer.

8.  GENRAL RELATIONSHIP
 SPECIAL RELATIONSHIP

9. 1.Debtor-Creaditor: when customer deposits
money in his account the banks becomes a
debtor and customer a creditor.
2.Creditor-Debtor: In the case of any
loan/advances account, the banker is a
creditor and the customer is the debtor

10.  Bank as a Trustee:
As per sec.3of Indian Trust Act,1882 “A Trust
is an obligation annexed to the ownership of
property ,and arising out of a confidence
reposed in and accepted by the owner ,or
declared and accepted by him ,for the benefit
of another, and owner.”
 Trustee is a holder of property on behalf of a
beneficiary.

11.  Sec.148 of Indian Contract Act 1872, defines
“Bailment” is the delivery of goods by one
person to another for some purpose, upon a
contract they shall, when the purpose is
accomplished be returned or otherwise
disposed of according to the directions of the
person delivering them
 The person delivering the goods is called the
“bailor”
 The person to whom they are delivered is
called the “bailee” (bank)

12.  Sec 105 of Transfer of Property Act 1882
defines: “a lease of immovable property is a
transfer of a right to enjoy such property,
made for a certain time, express or implied,
in consideration of a price paid or promised.”
 The transferor is called the lessor.
 The transferee is called lessee.(bank)
 The price is called premium