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An Appraisal of Banker Customer Relationship in Nigeria

An Appraisal of Banker Customer Relationship in Nigeria

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By Akin Olawale Ogundayisi
By Akin Olawale Ogundayisi

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Categories:Types, Research, Law
Published by: Akin Olawale Oluwadayisi on Mar 28, 2012
Copyright:Attribution Non-commercial

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05/28/2013

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1
AN APPRAISAL OF BANKER CUSTOMER RELATIONSHIP INNIGERIA
ByAKIN OLAWALE OGUNDAYISI LL.B, B.L, ACIArb.ABSTRACTThe law of banking is concerned not only with the legal framework of banking business but also with the peculiar legal relationship which subsistsbetween bankers and their customer. To the average Nigerian bank customeri . e an ordinary account holder, the relationship between him and his bank or banks begins and end with paying in and withdrawing from his accountBut in actual fact ,and in law, the relationship is more complex than that buthe appears to feel unconcerned or does not wish to bother himself with socomplex a web of relationship which to remain confusing and difficult tocomprehend .In order to fully understand and appreciate this phenomenon inlaw, it is essential for one to fully understand the meaning significance of the
term „bank‟ or „banker‟ and „customer‟ in law.
 The relationship which subsist between a banker and his customercontractual and fundamentally that of debtor and creditor. It consists of general and special contracts arising from particular requirement of thebusiness of banker. So to a large extent the major thrust or thematic concern
 
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of work will be a working definition of the work „bank‟ and „customer,‟
their duties ,peculiarities of banker and customer, contractual relationshipand its relationship concerning the customer account and type of account.
TABLE OF CONTENTS
Title Page -------------------------------------------------Dedication ------------------------------------------------Certification ----------------------------------------------Acknowledgments --------------------------------------Table of Abbreviations ---------------------------------Table of Statutes ----------------------------------------Table of Cases -------------------------------------------Abstract --------------------------------------------------Table of Contents ---------------------------------------
CHAPTERISATIONCHAPTER ONE: INTRODUCTION
1.1.
 
Introduction1.2.
 
Definition of Terms1.3.
 
Types of Banks
 
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CHAPTER TWO: LEGAL FRAMEWORK FOR THE OPERATIONOF BANKING SYSTEM
2.1.
 
Registration Under Companies and Allied Matters Act2.2.
 
Licensing2.3.
 
Legal Control of Bank Staff 
CHAPTER THREE: BANKER CUSTOMER RELATIONSHIP
3.1.
 
The Nature of the Relationship3.2.
 
The Rule in Foley v. Hill3.3.
 
The Rights of a Banker3.4.
 
Duty of Customer to is Banker3.5.
 
Termination of Banker-Customer Relationship3.6.
 
New Development in Banker Customer Relationship
CHAPTER FOUR: RECOMMENDATIONS AND CONCLUSION
5.1.
 
Recommendations5.2.
 
Conclusion
References
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