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CASE STUDY 2: MALAYSIA DIGITAL AND E-MONEY IMPACT TO COMMERCIAL BANKS IN MALAYSIA

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CASE STUDY 2: MALAYSIA DIGITAL AND E-MONEY IMPACT TO COMMERCIAL BANKS IN MALAYSIA

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BWBB3013_COMMERCIAL BANK OPERATIONS (GROUP B)
PREPARED FOR: DR MUHAMMAD MUHAIZAM BIN MUSA
PREPARED BY: NURFARADIBA KAMBA s273322

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Where does the bank customer would put his/her signature in the cheque ? 

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Where does the bank customer would put his/her signature in the cheque ? 

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Customer need to put his/her signature on both the front and back of the cheque. Sign the check legibly on the line in the bottom right corner. Usually, customer need use the same name and signature on file at their bank.

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Who is the Drawer? Importer or Exporter (Buyer or Seller).

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Who is the Drawer? Importer or Exporter (Buyer or Seller).

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Drawer was the person who writes the bill of exchange also give the order to pay money to the third party. Usually, the party issuing the bill of exchange is exporter/seller.

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BWBB3013_COMMERCIAL BANK OPERATION (GROUP B)
PREPARED FOR: DR. MUHAMMAD MUHAIZAM BIN MUSA
PREPARED BY: NURFARADIBA BINTI KAMBA s273322

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Why this amount is less than the amount in January?

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Why this amount is less than the amount in January?

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According to my perspective there are three reasons why we have different amounts for the first and second months. To begin, there is an increasing amount of Principal for every month. Second, we can observe that each month has a distinct number of days such as January have 31 days while February have 29 days. Finally, there are rate changes for this 2 month where in January is 4.5% while in February is 4.75%. Another example is when we have same principal for two different rate we will gate more bigger the rate than more bigger the interest amount.

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See these pictures and write the appropriate type of relationship existed in the banker-customer relationship which are related to the pictures. 

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See these pictures and write the appropriate type of relationship existed in the banker-customer relationship which are related to the pictures. 

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Picture 1: Debtor-Creditor relationship
Picture 2: Trustee

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Which of the supervision department is related to the checking and auditing of the banking institutions in Malaysia? 

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Which of the supervision department is related to the checking and auditing of the banking institutions in Malaysia? 

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The responsibility to ensure safety, soundness and robustness of the financial institution lies with the supervision function in Bank Negara Malaysia (BNM). Besides that, the responsibilities of the checking and auditing of the banking institution in Malaysia is banking supervision. Bank supervisions is a supervisory function charged with safeguarding the overall safety and soundness of the banking system. As part of its supervisory responsibility, the books and affairs of every regulated insured institution are inspected.  While, an audit is when an auditor examines or inspects various book of accounts, followed by a physical inventory check, to ensure that all department are following a prescribed procedure of documenting transactions. It tis done to ensure that the financial statements a presented by the organisation are accurate. It can be shown that bank supervisions are related to checking in auditing.