Supposing you walked across to your bank and give your bank cashier (teller clerk) your cash for deposit, but while the cashier was counting the cash, an armed gang swooped in and carted away all monies on the counter, including your cash. Do you know that your bank will not be liable? Yes, your bank will not be liable. The bank will only be liable if the bank cashier had received the cash, checked it, and stamped "Paid" on your deposit teller receipt! Do you know that you have no duty, as a bank customer, to ascertain or check the correctness of the figures entered in your passbook or current…mehr
Supposing you walked across to your bank and give your bank cashier (teller clerk) your cash for deposit, but while the cashier was counting the cash, an armed gang swooped in and carted away all monies on the counter, including your cash. Do you know that your bank will not be liable? Yes, your bank will not be liable. The bank will only be liable if the bank cashier had received the cash, checked it, and stamped "Paid" on your deposit teller receipt! Do you know that you have no duty, as a bank customer, to ascertain or check the correctness of the figures entered in your passbook or current account statement? If you relied on the accuracy of the statement sent to you and in good faith spent the money stated in your account, the bank may find it difficult to recover such money from you. Do you know that on the death of one party in a joint account, any credit balance, security or property is transferred to the surviving party and the survivor will be the one to account to the representative of the deceased party? Again, do you know that a minor (that is, a person below 18 years of age), can run a company account, but cannot repay any loan granted him? Any lending to him, by law, is void, and he cannot be expected to repay such loan! Do you know that where a signature on your cheque is forged or unauthorized, the forged or unauthorized signature is wholly inoperative, and your bank cannot debit your account with such a cheque, unless you facilitated the forgery? This is just the icing on the cake. Bank Instruments & Accounts Management: Detecting and Preventing Fraud is a recipe for making the soup of banking practice sweet. It is, therefore, an essential work tool for all discerning bankers, a reference partner for all bank customers and the last line of defense for passing the professional banking examination.Hinweis: Dieser Artikel kann nur an eine deutsche Lieferadresse ausgeliefert werden.
Idika Kalu Uma is a professional banker and an Associate of the Chartered Institute of Bankers of Nigeria (ACIB). He started his banking career with Centre-Point Merchant Bank Limited in 1990 where he worked in the Domestic Operations Group as a Bank Officer in charge of Loan Administration. He moved on to the African Banking Consortium, ABC Merchant Bank (Nigeria) Limited, as an Assistant Manager in the Corporate Finance/Capital Markets Division of the bank, overseeing the investment banking and corporate finance business of the bank. While at the bank, he qualified as a Stockbroker and Dealing Clerk of The Nigerian Stock Exchange (NSE) in 1995. Leaving as Deputy Manager, he joined the First City Group as a Stockbroker serving with FCMB Capital Markets, City Securities Limited & CSL Stockbrokers Limited - all associates of First City Monument Bank Plc. (FCMB Plc.), where he later became the Regional Head, Eastern Operations, of the companies. From there, in 2007, he moved on to become the pioneer Managing Director/Chief Executive Officer of Kofana Securities & Investments Limited, an investment banking/stockbroking firm. In 2013, he was appointed Managing Director/Chief Executive Officer, Zeitgeist Limited - a finance, projects and economic research firm - where he is currently involved in financial engineering, business restructuring and the financial markets. Idika Kalu Uma is a Fellow of the Chartered Institute of Stockbrokers (FCS) and a Fellow of the Institute of Strategic Management, Nigeria (FSM). He holds the Masters of Business Administration (MBA) in Finance and Banking. As an astute money market expert and a frontline capital market operator, he has advanced the frontiers of financial knowledge through several bestsellers in banking and stockbroking, among which are Getting That Bank Loan: Issues of Security & Their Perfection; Game Investors Play; The Financial System & Stock Market Activity; Secrets In Banking Practice; and Nigeria's Foreign Exchange Markets: Management & Development.
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