2/20/2015

Stand and Deliver

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Stand and Deliver

Tuesday,December25,2012

Whatthe...isthisblogabout?

INVESTMENT AND BANKING LAWS Course

Syllabus

This is about my thoughts as a teacher

of several law subjects. This is about
reaching out to my students wherever
and whenever. This is about the law that
I am trying to teach so that others (and
myself) can learn more about it. Well,
since I profess that we can also find the
law in everything that we do, read, hear,
taste, or perceive, yeah, this is also
about my thoughts on other things.

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A.GeneralBankingLawof2000(R.A.8791)
1.StatePolicy
2.Banks,Defined

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Cases:

30660

a.SimexInternationalv.CourtofAppeals,183SCRA360,366367
(1990)
b.ConsolidatedBankandTrustCorporationv.CourtofAppeals,G.R.
No.138569,September11,2003,410SCRA562,574575

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c.MetropolitanBankandTrustCompanyvs.Cabilzo,G.R.No.
154469,December6,2006.
d. Philippine Banking Corporation vs. Court of Appeals, G.R. No.
127469,January15,2004.
e.Serranovs.CentralBank,G.R.No.L30511,February14,1980,96
SCRA96.
3.Classificationofbanks

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4.Distinctionofbanksfromquasibanksandtrustentities
5.Diligencerequiredofbanks

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Administrativ
e Law (6)

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Corporation
Law (1)

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6.AuthorityoftheBangkoSentralngPilipinas
AboutMe

7.Organization,ManagementandAdministrationofBanks,QuasiBanksand

a)Organization
c)Fitandproperrule
d)Limitationoncompensationandbenefitsofdirectorsandofficers
e)Prohibitiononpublicofficials

In the Light
Corner (3)
Insurance Law
(1)
Intellectual
Property Law
(2)

TrustEntities

b)Stockholdings

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f)Branches
g)Bankingdays
h)Ruleonstrikesandlockouts
8.Bankpowersandliabilities
a)OperationsofUniversalBanks
b)OperationsofCommercialBanks

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Investment
and Banking
Law (1)
Letters of
Credit (1)
My thoughts
(3)
Negotiable
Instruments
Law (2)
Obligations
and Contracts
(1)
Personal
space (5)

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9.Natureofbankfundsandbankdeposits
a)KindsofDeposit
a.1)Demanddeposits
Drawingagainstuncollecteddeposits(DAUD)
Currentaccountsofbankofficers

Political Law
(1)
Special
Commercial
Laws (6)
Statutory
Construction
(1)

a.2)Savingsdeposit
a.3)NegotiableOrderofWithdrawal(NOW)Account
a.4)Timedeposits
a.5)DepositSubstituteOperations
a.6)ForeignCurrencyDeposits
a.7)AnonymousandNumberedAccounts
Cases:
a.CentralBankofthePhilippinesvs.Morfe,63SCRA114,119
b.BankofthePhilippineIslandsvs.CourtofAppeals,G.R.No.
104612,May10,1994

BlogArchive

2014 (2)
2013 (2)
2012 (18)
December
(1)
INVESTME
NT AND
BANKIN
G LAWS
Course
Syllabus

c.TheConsolidatedBankandTrustCorporationvs.CourtofAppeals,
G.R.No.138569,September11,2003.
d.BPIFamilyBankvs.FrancoG.R.No.123498,November23,2007.
e.BankofthePhilippineIslandsvs.CasaMontessoriInternationale,
G.R.No.149454,May28,2004.
f.BankofthePhilippineIslandsvs.CourtofAppeals,G.R.No.

November
(2)
September
(2)
August (1)

104612,May10,1994.

July (1)

g.BPIvs.Roxas,G.R.No.157833,October15,2007

June (2)

h.AssociatedBankvs.Tan,G.R.No.156940,December14,2004,

March (2)

446SCRA282
i.BancodeOroSavingsandMortgageBankvs.EquitableBanking
Corp.,G.R.No.L74917,January20,1988
j.BankOfThePhilippineIslandsVs.CourtOfAppeals,G.R.No.
136202,January25,2007
k.PhilippineCommercialInternationalBankvs.CourtofAppeals,G.R.

February
(3)
January
(4)
2011 (14)

No.121413,January29,2001
b)MinorsandCorporationsasDepositors
c)MaturedTimeDeposits
d)Riskbasedcapital

10.Grantofloansandsecurityrequirements
a)Ratioofnetworthtototalriskassets
b)Singleborrowerslimit
c)RestrictionsonbankexposuretoDOSRI(directors,officers,
stockholdersandtheirrelatedinterests)
e)LoansagainstRealEstate
f)Loansagainstchattelsandotherintangibleproperties
g)Loanpurposesandgrant
h)Unsecuredloans
i)Othersecurityrequirements
j)Amortizationonloans
k)Prepaymentofloans
l)Foreclosureofrealestatemortgage
m)Renewalorextensionofloansandothercreditaccommodations
n)Provisionsforlossesandwriteoffs
Cases:

a.GCDaltonIndustries,Inc.,v.EquitablePCIBank,G.R.No.
171169,August24,2009
b.EquitablePCIBankvs.NgSheurigNgor,G.R.No.171545,

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December19,2007
c.Floirendovs.MetropolitanBankandTrustCo.,G.R.No.148325,
September3,2007.
d.Trade&InvestmentDevelopmentCorporationofthePhilippinesvs.
RoblettIndustrialConstructionCorporation,G.R.No.139290,May
19,2006
e.NewSampaguitaBuildersConstructionvs.PhilippineNational
Bank,G.R.No.148753,July30,2004
11.Otherprovisions
a)Majorinvestments
b)Ceilingoninvestmentsincertainassets
c)Acquisitionofrealestate
d)Otherbankingservices
e)Unsafeorunsoundbankingpractices
f)Prohibitionondividenddeclaration
12.Penaltiesforviolations
a)Fine,imprisonment
b)Suspensionorremovalofdirectororofficer
c)Dissolutionofbank

B.TheNewCentralBankAct(R.A.7653)
1.Statepolicies
2.CreationoftheBangkoSentralngPilipinas(BSP)
3.Responsibilityandprimaryobjective
4.Monetaryboardpowersandfunctions
5.HowtheBSPhandlesbanksindistress
a)Conservatorship
b)Closure
b.1CloseNow,HearLater
Case:
1.RuralBankofSanMiguelv.MonetaryBoard,G.R.No.
150886,February16,2007
2.BancoFilipinoSavingsandMortgageBankv.Ybanez,G.R.
No.148163,December6,2004
c)Receivership
d)Liquidation
6.LegalTender
a)Legaltenderpower
7.HowtheBSPhandlesexchangecrisis
a)Domesticmonetaryinstability
b)Abnormalmovementsinthemonetaryaggregates,creditorprice
level
c)ForeignExchange
d)Liquidityproblemsofbanks
C.LawonSecrecyofBankDeposits(R.A.1405,asamended)
1.Purpose
2.Prohibitedacts
3.Depositscovered

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Cases:
1.Ejercitov.Sandiganbayan,G.R.Nos.15729495,November30,
2006
4.Exceptions
5.Garnishmentofdeposits,includingforeigndeposits
6.Penaltiesforviolation

D.PhilippineDepositInsuranceCorporationAct
1.Basicpolicy
2.Conceptofinsureddeposits
3.Liabilitytodepositors
a)DepositliabilitiesrequiredtobeinsuredwithPDIC
b)Commencementofliability
c)Depositaccountsnotentitledtopayment
d)Extentofliability
e)Determinationofinsureddeposits
f)Calculationofliability
(i)Perdepositor,percapacityrule
(ii)Jointaccounts
(iii)Modeofpayment
(iv)Effectofpaymentofinsureddeposit
(v)PaymentsofinsureddepositsaspreferredcreditunderArt.
2244,CivilCode
(vi)Failuretosettleclaimofinsureddepositor
(vii)Failureofdepositortoclaiminsureddeposits
(a)Examinationofbanksanddepositaccounts
(b)Prohibitionagainstsplittingofdeposits
(c)ProhibitionagainstissuancesofTROs,etc.
E.TruthinLendingAct(R.A.3765)

A.Purpose
B.Obligationofcreditorstopersontowhomcreditisextended
C.Coveredandexcludedtransactions
D.Consequencesofnoncompliancewithobligation

Cases:
1.DevelopmentBankofthePhilippinesv.FelipeArcilla,G.R.No.161397,
161426,June30,2005
2.UnitedCoconutPlantersBankv.Sps.Beluso,G.R.No.159912,August
17,2007

Posted by Ernie at 9:10 PM

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Tuesday,November27,2012

LAW ON INSURANCE, Course Syllabus

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I.TheInsuranceCode(P.D.612)
1.HistoryofInsuranceLawinthePhilippines
2.ContractofInsurance(Sec.35)
a.TravellersInsurance&SuretyCorporationv.Hon.Courtof
Appeals,G.R.No.82036,May22,1997
2.1RulesonconstruingInsuranceCode
2.2RulesonconstruingInsurancePolicy
3.ElementsofanInsuranceContract
a.GulfResorts,Inc.v.PhilippineCharterInsuranceCorp..G.R.No.
156167,May16,2005
4.CharacteristicsofInsuranceContracts
a.NewWorldInternationalDev.(Phils),Inc.v.NYKFilJapanShipping
Corp.,G.R.No.171468,August24,2011
5.DoinganInsuranceBusiness
a.WhiteGoldMarineServices,Inc.v.PioneerInsuranceandSurety
Corp.,G.R.No.154514,July28,2005
5.1Principleofsubrogation
6.PublicinterestintheInsuranceBusiness
a.Republicvs.DelMonteMotors,Inc.,G.R.No.156956,October9,
2006.
7.InsuranceversusHealthMaintenanceOrganizations(HMOs)
a.PhilippineHealthCareProviders,Inc.v.CommissionerofInternal
Revenue,G.R.No.167330,September18,2009
8.Partiestothecontractofinsurance(Sec.69)
a.PhilippineHealthCareProviders,Inc.v.CommissionerofInternal
Revenue,G.R.No.167330,September18,2009
II.TheContractofInsurance
1.Whatmaybeinsured(Sec.35)
a.PhilamcareHealthSystemsInc.v.CourtofAppeals,G.R.No.
125678,March18,2002

1.1Insurancedistinguishedfromgambling
2.PartiestotheContract(Sec.69)
2.1.Sec.54GeneralBankingLaw
2.2.ControlTestonCorporations
2.3Properpartytofileaction
2.4TypesofMortgageClauses

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Cases:
a.EternalGardensMemorialParkCorp.v.ThePhilippineAmerican
LifeInsuranceCompany,G.R.NO.166245,April9,2008
b.FilipinasCompaaDeSegurosvs.Christern,HuenefeldAndCo.,
Inc.,G.R.No.L2294,May25,1951
c.Constantinov.AsiaLifeInsuranceCompany,G.R.No.1669,
August31,1950

d.GreatPacificLifeAssurancev.CourtofAppeals,G.R.No.113899,
October13,1999
3.InsurableInterest(Sec.1025)
3.1Typesofbeneficiaries
3.2Rightsofbeneficiaries
3.3Personsdisqualifiedtobebeneficiaries
Cases:
a.HeirsofLoretoC.Maramagrepresentedbysurvivingspouse
VicentePangilinanMaramagv.EvaVernaDeGuzmanMaramag,etal,
G.R.No.181132,June5,2009
b.VioletaLalicanv.TheInsularLifeAssuranceCompany,Limited,
G.R.No.183526,August25,2009
c.GaisanoCagayan,Inc.v.InsuranceCompanyofNorthAmerica,
G.R.No.147839,June8,2006
d.TheInsularLifeAssuranceCompany,Ltd.vs.Ebrado,G.R.No.L
44059,October28,1977
e.Singvs.FebLeasing&FinanceCorporationG.R.No.168115,June
8,2007
4.Concealment(Sec.2635)
Cases:

a.Vda.DeCanilangvs.CourtofAppeals,G.R.No.92492,June17,
1993
b.SunlifeAssuranceCompanyofCanadavs.CourtofAppeals,G.R.
No.105135,June22,1995
c.NgGanZeev.AsianCrusaderLifeAssuranceCorp.,G.R.No.
30685,May30,1983
d.Saturninov.ThePhilippineAmericanLifeInsuranceCompany,G.R.
No.16163,February28,1963
e.Edillonv.ManilaBankersLifeInsuranceCorp.,G.R.No.34200,
September30,1982
f.PhilamcareHealthSystems,Inc.v.CourtofAppeals,G.R.No.
125678,March18,2002
g.Ma.LourdesS.Florendov.PhilamPlans,Inc.,PerlaAbcedeand

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Stand and Deliver

Ma.CelesteAbcede,G.R.No.186983,February22,2012
5.Representation(Sec.3648)
5.1StatementofbelieforexpectationdistinguishedfromPromissory
Representation
5.2Kindsofmisrepresentation
Cases:
a.TheInsularLifeAssuranceCompany,Ltd.v.Feliciano,G.R.No.
47593,December29,1943
b.Saturninov.ThePhilippineAmericanLifeInsuranceCompany,G.R.
No.16163,February28,1963
c.Edillonv.ManilaBankersLifeInsuranceCorporation,G.R.No.
34200,September30,1982
6.ThePolicy(Sec.4966)
6.1Rider,clause,warranty,endorsement
6.2Groupinsurance
6.3Groupannuity
7.Warranties(Sec.6776)
8.Premium(Sec.7782)
a.UCPBGeneralInsuranceCo.,Inc.v.MasaganaTelamart,Inc.,G.R.
No.137172,April4,2001
9.Loss(Sec.8387)
a.UnitedMerchantsCorp.v.CountryBankersInsuranceCorp.,G.R.
No.198588,July11,2012
10.NoticeofLoss(Sec.8892)
11.DoubleInsurance(Sec.9394)
12.Reinsurance(Sec.9598)
III.ClassesofInsurance
1.Marine(Sec.99166)
2.Fire(Sec.167173)
3.Casualty(Sec.174)
4.Suretyship(Sec.175178)
5.LifeInsurance(Sec.179183)
6.CompulsoryMotorVehicleLiabilityInsurance(Sec.373389)

IV.TheBusinessofInsurance
Case:

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1.RepublicofthePhilippines,RepresentedbyEduardoMalinisinHis
CapacityasInsuranceCommissionerv.DelMonteMotors,Inc.,G.R.No.
156956,October9,2006

V.TheInsuranceCommissioner
1.Administrativeandadjudicatorypowers

Posted by Ernie at 10:26 PM

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