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Stand and Deliver
Tuesday,December25,2012
INVESTMENT AND BANKING LAWS Course
Syllabus
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A.GeneralBankingLawof2000(R.A.8791)
1.StatePolicy
2.Banks,Defined
Cases:
a.SimexInternationalv.CourtofAppeals,183SCRA360,366367
(1990)
b.ConsolidatedBankandTrustCorporationv.CourtofAppeals,G.R.
No.138569,September11,2003,410SCRA562,574575
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
4.Distinctionofbanksfromquasibanksandtrustentities
5.Diligencerequiredofbanks
6.AuthorityoftheBangkoSentralngPilipinas
7.Organization,ManagementandAdministrationofBanks,QuasiBanksand
TrustEntities
a)Organization
b)Stockholdings
c)Fitandproperrule
d)Limitationoncompensationandbenefitsofdirectorsandofficers
e)Prohibitiononpublicofficials
f)Branches
g)Bankingdays
h)Ruleonstrikesandlockouts
8.Bankpowersandliabilities
a)OperationsofUniversalBanks
b)OperationsofCommercialBanks
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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e Law (6)
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Intellectual
Property Law
(2)
Investment
and Banking
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9.Natureofbankfundsandbankdeposits
a)KindsofDeposit
a.1)Demanddeposits
Drawingagainstuncollecteddeposits(DAUD)
Currentaccountsofbankofficers
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
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.
104612,May10,1994.
g.BPIvs.Roxas,G.R.No.157833,October15,2007
h.AssociatedBankvs.Tan,G.R.No.156940,December14,2004,
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.
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,
Political Law(1)SpecialCommercialLaws
(6)StatutoryConstruction(1)
2014 (2)
2013 (2)
2012 (18)December
(1)INVESTME
NT ANDBANKING LAWSCourseSyllabus
November(2)
September(2)
August (1)
July (1)
June (2)
March (2)
February(3)
January(4)
2011 (14)
BlogArchive
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December19,2007c.Floirendovs.MetropolitanBankandTrustCo.,G.R.No.148325,September3,2007.d.Trade&InvestmentDevelopmentCorporationofthePhilippinesvs.RoblettIndustrialConstructionCorporation,G.R.No.139290,May19,2006e.NewSampaguitaBuildersConstructionvs.PhilippineNationalBank,G.R.No.148753,July30,2004
11.Otherprovisions
a)Majorinvestmentsb)Ceilingoninvestmentsincertainassetsc)Acquisitionofrealestated)Otherbankingservicese)Unsafeorunsoundbankingpracticesf)Prohibitionondividenddeclaration
12.Penaltiesforviolationsa)Fine,imprisonmentb)Suspensionorremovalofdirectororofficerc)Dissolutionofbank
B.TheNewCentralBankAct(R.A.7653)
1.Statepolicies2.CreationoftheBangkoSentralngPilipinas(BSP)3.Responsibilityandprimaryobjective4.Monetaryboardpowersandfunctions5.HowtheBSPhandlesbanksindistress
a)Conservatorshipb)Closureb.1CloseNow,HearLater
Case:
1.RuralBankofSanMiguelv.MonetaryBoard,G.R.No.150886,February16,20072.BancoFilipinoSavingsandMortgageBankv.Ybanez,G.R.No.148163,December6,2004
c)Receivershipd)Liquidation
6.LegalTender
a)Legaltenderpower
7.HowtheBSPhandlesexchangecrisis
a)Domesticmonetaryinstabilityb)Abnormalmovementsinthemonetaryaggregates,creditorpricelevelc)ForeignExchanged)Liquidityproblemsofbanks
C.LawonSecrecyofBankDeposits(R.A.1405,asamended)
1.Purpose2.Prohibitedacts3.Depositscovered
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Posted by Ernie at 9:10 PM No comments:
Labels: Investment and Banking Law
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
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Tuesday,November27,2012
LAW ON INSURANCE, Course Syllabus
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I.TheInsuranceCode(P.D.612)
1.HistoryofInsuranceLawinthePhilippines2.ContractofInsurance(Sec.35)
a.TravellersInsurance&SuretyCorporationv.Hon.CourtofAppeals,G.R.No.82036,May22,1997
2.1RulesonconstruingInsuranceCode2.2RulesonconstruingInsurancePolicy
3.ElementsofanInsuranceContract
a.GulfResorts,Inc.v.PhilippineCharterInsuranceCorp..G.R.No.156167,May16,2005
4.CharacteristicsofInsuranceContracts
a.NewWorldInternationalDev.(Phils),Inc.v.NYKFilJapanShippingCorp.,G.R.No.171468,August24,2011
5.DoinganInsuranceBusiness
a.WhiteGoldMarineServices,Inc.v.PioneerInsuranceandSuretyCorp.,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.CommissionerofInternalRevenue,G.R.No.167330,September18,2009
8.Partiestothecontractofinsurance(Sec.69)
a.PhilippineHealthCareProviders,Inc.v.CommissionerofInternalRevenue,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.54GeneralBankingLaw2.2.ControlTestonCorporations2.3Properpartytofileaction2.4TypesofMortgageClauses
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Cases:
a.EternalGardensMemorialParkCorp.v.ThePhilippineAmericanLifeInsuranceCompany,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)
3.1Typesofbeneficiaries3.2Rightsofbeneficiaries3.3Personsdisqualifiedtobebeneficiaries
Cases:
a.HeirsofLoretoC.MaramagrepresentedbysurvivingspouseVicentePangilinanMaramagv.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.L44059,October28,1977
e.Singvs.FebLeasing&FinanceCorporationG.R.No.168115,June8,2007
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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Ma.CelesteAbcede,G.R.No.186983,February22,2012
5.Representation(Sec.3648)
5.1StatementofbelieforexpectationdistinguishedfromPromissoryRepresentation
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,endorsement6.2Groupinsurance6.3Groupannuity
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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Labels: Insurance Law
1.RepublicofthePhilippines,RepresentedbyEduardoMalinisinHisCapacityasInsuranceCommissionerv.DelMonteMotors,Inc.,G.R.No.156956,October9,2006
V.TheInsuranceCommissioner
1.Administrativeandadjudicatorypowers
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