|Pay Scale 2015 (Civil)|
|Pay Scale 2015 (Public Bodies & Autonomous)|
|Pay Scale 2015 (Bank, Insurance & Financial Institutions)|
|Pay Scale 2015 (Police)|
|Pay Scale 2015 (Border Guard Bangladesh, BGB)|
8th Pay Scale Gazette by the Peoples Republic of Bangladesh will publish after few hours. You cand download this gazette from this site after publishing the gazette. Government same Government employees are facilities in this pay scale. There is no 1st class, 2nd class, 3rd and 4th class employee’s category in this 8th pay scale gazette.
The 8th Pay Scale of Bangladesh includes Bangla Noboborsho allowances of 20% on the basic salary. The government on Sep 7 approved the new pay scale for its employees with a highest basic pay of Tk 78,000 and a minimum of Tk 8,250. The basic pay for officers and other employees would take retroactive effect from July 1 this year, while the allowances would be paid from July 1, 2016. 8th Pay Scale is so helpful for all Government and semi Government employees which will declare in 8th Pay Scale Gazette.
You can find the 8th Pay Scale Gazette by Bangladesh Govt. from the Gazettes Archive of Finance Ministry website. To find the 8th Pay Scale Gazette visit 8th Pay Scale Gazette. If you do not find the 8th Pay Scale Gazette to download 8th Pay Scale Gazette, then puts your eye in this site.
Download The 8th Pay Scale Gazette
Management Accounting Math Solution for DAIBB Banking Diploma Examination
81 Banking Diploma Examination Result will be published soon in the Official site of
The 81 JAIBB and DAIBB examination was held in June, 2015. Institute
of Bankers Bangladesh
You can get result of 81 Banking Diploma Examination in this page. Keep your eyes always in this site, in any time of this month, the result will be published. We ensure you to give you the 81 Banking Diploma Examination Result first. 81 Banking Diploma Examination Result will publish in PDF format and the JAIBB and DAIBB result Bank wise.
Download your 81 Banking Diploma Examination Result
, Bangladesh (IBB) has decided a
new way of form fill-up for attending JAIBB and DAIBB exam. The candidates
don’t require collecting printed form from IBB. From now the candidate has to
collect the registration and examination form from Institute’s website. The
details are as follows: Institute of Bankers
A collecting banker is holder for value if he gives the value of the cheque in any form to its customer before collecting the proceeds of the cheque deposited by the latter. He does not remain an agent of the customer, but becomes the owner of the cheque in his own right since he has paid value for it, and has acquired the ownership right in good faith. In such a situation, the banker is called holder for value and he is also the holder in due course.
According to Paget, a banker becomes an holder for value in the following ways:
(a) by lending further on the strength of the cheque;
(b) by paying the amount of the cheque or part of it in cash or in account before it is cleared;
(c) by agreeing that the customer may draw before the cheque is cleared;
(d) by accepting the cheque in avowed reduction of an existing overdraft;
(e) by giving cash over the counter for the cheque at the time it is deposited in for collection.
In the above circumstances, the banker becomes the holder for value. Further, if he proves that he gave value for a cheque in good faith, he will be able to resist any claim by the true owner provided that
(a) the cheque was not tainted with forgery,
(b) he had no notice of any previous dishonour or of any defect in the title of his customer,
(c) the cheque was not crossed ‘not negotiable’
(d) the cheque was not overdue for the purpose of negotiation, and
(e) the cheque was regular on the face of it in all respects.
If the cheque is dishonored, the collecting banker can use all the previous parties after giving them the notice of dishonor. The banker undertakes a risk also when he acts as a holder for value. He will be in a difficulty if last, but one endorsement proves to be a forged one. The banker will be liable to the true owner of the cheque. However, he can recover the amount from his customer.
Collecting banker means the banker who collects the cheques and bills on behalf of the customers. In other words, every crossed cheque is necessarily to be collected through any bank, which is known as collecting banker. As Sir John Paget has rightly said “Looking at the restriction on the encashment of crossed cheques, save through a bank and the universal and legally encouraged use of crossed cheques the collection of such cheques must be regarded as an inherent part of banker’s business.”
While collecting the cheques of a customer, the banker may act in the capacity of either-
(a) as a holder for value, or
(b) as an agent of the customer.
The legal position of the collecting banker under these two circumstances is discussed below.
When a collecting banker acts as an agent of the customer, he credits the latter’s account with the amount of the cheque after the proceeds of the cheque are actually collected from the drawee banker. The customer can draw the amount after his account is credited with the proceeds. In such a case, banker acts as an agent of his customer and does not get better title to the cheque than that of the customer. If the title of the customer is defective, the banker will run the risk of being liable to the true owner if it collects the cheque. If the cheque collected by the banker does not belong to his customer, the banker will be liable for ‘conversion of money’ or in other words, for illegally interfering with the rights of the true owner of the cheque.
As an agent of the customer, the collecting banker is a mere “conduit pipe to receive payment of the cheque from the bank on which it is drawn and holds the proceeds at the disposal of the customer.” Like any other agent, the banker has to perform his duties diligently for the customer who has paid in his cheques. If he delays or does not exercise the normal skills expected, he will be liable to his customer. It has been held that the reasonable time would be presenting the cheque within one day after the receipt thereof where the cheque is drawn on a bank in the same place, or forwarding or presenting it on the day following the receipt thereof where the cheque is drawn on a bank in another place. After the expiry of reasonable time, the customer paying in the cheque for collection is entitled to presume that it has been collected and the proceeds thereof credited to his account.