viva

[fairy]

salam

 

plzz koi mujhe bataye ga ke General crossing aur specia crossing ma kiya diffrent hai?

[Mehreen Humayun]

Cheque crossed generally

 

Where a cheque bears across its face an addition of the words 'and company' or any abbreviation thereof, between two parallel transverse lines, or of two parallel transverse lines simply, either with or without the words 'Not Negotiable', that addition shall be deemed a crossing, and the cheque shall be deemed to be crossed generally.

 

Cheque crossed specially

 

Where a cheque bears across its face an addition of the name of a banker, either with or without the words 'Not Negotiable', that addition shall be deemed a crossing, and the cheque shall be deemed to be crossed specially, and to be crossed to that banker. This is called special crossed cheque.

________________

Mehreen Humayun

4th Semester, MBA(Banking)

Distance Learning Student

www.vuzs.net

Quality in Everything We Do

vuZs Banking Group: http://groups.google.com/group/vuzs_banking?hl=en

On Mon, Oct 10, 2011 at 1:04 PM, fairy <furr...@gmail.com> wrote:

salam

 

plzz koi mujhe bataye ga ke General crossing aur specia crossing ma kiya diffrent hai?

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[faisal]

Types of Crossing

There are two types of crossing

1.       General Crossing

2.       Special Crossing.

 

General Crossing:

A cheque is said to contain a general crossing when two parallel lines are drawn across the face of the cheque. According to Sec. 123. “ where a cheque bears across its face an addition of the words “ and company” or any abbreviation thereof, between two parallel transverse lines, or of two parallel transverse lines simply, either with or without the words “ not negotiable”, that addition shall be deemed a crossing, and the cheque shall be deemed to be crossed generally.” A cheque is said to be crossed when two parallel transverse lines, with or without any words, are drawn on the left hand top corner of the cheque. It is relevant to state that such lines are essential for general crossing and may not be drawn in case of special crossing.

 

 Special Crossing:

Sec. 124 of the Act defines special crossing as “Where cheque bears across its face an addition of the name of a banker, either with or without the word “not negotiable” that addition shall be deemed a crossing, and cheque shall be eemed to be crossed specially and to be crossed to that banker.” Further, Sec. 126, Para 2 states “Where a cheque is crossed specially the banker on whom it is drawn shall not pay it otherwise than to the banker to whom it is crossed, or his agent, for collection.

In the case of special crossing the paying banker is to honour the cheque only when it is presented through the bank mentioned in the crossing or an agent of such bank, further, sec. 127 states, “Where a cheque is crossed specially to more than one banker, except when crossed to an agent for the purpose of collection, the banker on whom it is drawn shall refuse payment thereof. “ A special crossing makes the cheque safer than a general crossing because now a thief will have to search an account-holder of that particular bank only whose name appears in the crossing which may only create more difficulty.

 

On Mon, Oct 10, 2011 at 3:04 PM, fairy <furr...@gmail.com> wrote:

salam

 

plzz koi mujhe bataye ga ke General crossing aur specia crossing ma kiya diffrent hai?

--

[ShahLa]

 

Cheque crossed generally

Where a cheque bears across its face an addition of the words 'and company' or any abbreviation thereof, between two parallel transverse lines, or of two parallel transverse lines simply, either with or without the words 'Not Negotiable', that addition shall be deemed a crossing, and the cheque shall be deemed to be crossed generally.

Cheque crossed specially

Where a cheque bears across its face an addition of the name of a banker, either with or without the words 'Not Negotiable', that addition shall be deemed a crossing, and the cheque shall be deemed to be crossed specially, and to be crossed to that banker.This is called special crossed cheque.

On Mon, Oct 10, 2011 at 3:04 PM, fairy <furr...@gmail.com> wrote:

salam

 

plzz koi mujhe bataye ga ke General crossing aur specia crossing ma kiya diffrent hai?

--

[fairy]

salam

plzz anobody tell me what ia sale of bank?

[mc090400643 Muhammad Sarim]

bank sales = Mark-up / return / interest earned

On Thu, Oct 13, 2011 at 3:15 PM, fairy <furr...@gmail.com> wrote:

salam

plzz anobody tell me what ia sale of bank?

--

[fairy]

How bank can control their expenditure?

[mc090405224 Maryam Hasni]

kndly tell me ans of fairy q.......

On Thu, Oct 13, 2011 at 3:52 AM, fairy <furr...@gmail.com> wrote:
> How bank can control their expenditure?
>

[mc090404464 Asima Sadaf]

what is "Next of Kin". what type of accounts there in NBP and what type of people open their accounts in NBP.

[Mohammad Sajjad]

Next of kin mean the person whom to speak in ur absense

On Friday, 14 October 2011, mc090404464 Asima Sadaf <mc090...@vu.edu.pk> wrote:
>
> what is "Next of Kin". what type of accounts there in NBP and what type of people open their accounts in NBP.
>

[faiza shoukat]

next of kin means grantee apke account opening firm mein ek dosra person add karta hai kal agar customer koi fraud karta hai bank ke sath tu woh dosra person reponsible hoga agar koi information provide karni hai a/c ke bare mein aur customer se contact nahi tu ap next of kin se kar skte hai rapta basically yeh apki gurantee hoti hai bank mein

On Fri, Oct 14, 2011 at 6:39 PM, mc090404464 Asima Sadaf <mc090...@vu.edu.pk> wrote:

what is "Next of Kin". what type of accounts there in NBP and what type of people open their accounts in NBP.

--

[mc090405216 Arshia Osaf]

AOA all,

Please tell me why negative working capital is not favorable for banks? 

[mc090405570 Faisal]

Negative w.c show that a company currently is unable to pay its short term liabilities with its current assets.

[Zubair Hussain]

Due to negative working capital it may run into trouble paying back creditors in the short term. In worst-case scenario it can leads to bankruptcy.

Suppose you deposited 2 million Rs and you went for withdrawal and bank could not pay you.

Regards

Zubair Hussain

www.vuzs.net

On Fri, Oct 14, 2011 at 9:40 AM, mc090405216 Arshia Osaf <mc090...@vu.edu.pk> wrote:

AOA all,

Please tell me why negative working capital is not favorable for banks? 

--

[mc090402094 Khair Ul Baria]

aplo cnfrm h k iska yei ans h?

[mc090402094 Khair Ul Baria]

sajjad sahb to kuch or e kh rhe han

[faiza shoukat]

g ek grantee person hi hota hai i confirm this baqi sub ka apna view hota hai

[ShahLa]

What is next of kin?

it is used to describe a person's closest living blood relative or relatives......if the account holder does not came into the bank for the 6 months or the account holder is died.....then in that case the person next of KIN (means any one which the account holder give reference in the accounts opening form like his/her...mother,sister,wife,son, daughter etc whose copy of NIC is given to the bank at the time of account opening) can take the bank balance of the account holder in that case..it is called next of Kin

On Fri, Oct 14, 2011 at 6:39 PM, mc090404464 Asima Sadaf <mc090...@vu.edu.pk> wrote:

what is "Next of Kin". what type of accounts there in NBP and what type of people open their accounts in NBP.

--

[fairy]

salam,

 

plzzz anybody tell mai ke ager current ratio mai current asset benchmark rate se ziada ho jayen to kiya ye bank ke liye favourable hun gai ager nahi to phir q nahi hun gai?

[mc090405216 Arshia Osaf]

Not favorable for banks.bcz if current assets increase beyond the banchmark rate then baank face high credit cost (means inventory will be high)

On Sat, Oct 15, 2011 at 12:11 PM, fairy <furr...@gmail.com> wrote:

salam,

 

plzzz anybody tell mai ke ager current ratio mai current asset benchmark rate se ziada ho jayen to kiya ye bank ke liye favourable hun gai ager nahi to phir q nahi hun gai?

--

[mc090401102 Muhammad Ishaq Sabri]

GooD Reply

--
السلام عليكم ورحمة الله وبركات
اللهم صل على نبينا محمد وعلى آله وصحبه وسلم

[Farooq Qaisar]

If current assets exceeds than benchmark rate, it means that bank has more current assets or you can say that bank has more money in hand on which he can earn interest by investing it... So, bank has to remain within benchmark rate. so that, they should earn maximum for their shareholders too. But for banks, remember, 1.5 is the good current asset ratio.... So, if current assets goes on increasing, although liquidity will increase. But, that portion of liquidity will be of no use.......

Farooq Qaisar
MBA (Finance)
Multan

2011/10/16 mc090401102 Muhammad Ishaq Sabri <mc090...@vu.edu.pk>

--
Farooq Qaisar
MBA 4th
Multan

[fairy]

salam

plzz anybody tell me liquid asset kiya hote han?

[mc090405342 Abdur Rehman Mughal]

such assets whose easily converted into cash.

On Sun, Oct 16, 2011 at 8:42 PM, fairy <furr...@gmail.com> wrote:

salam

plzz anybody tell me liquid asset kiya hote han?

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Regards,

 

Abdur Rehman

[mc090401911 Muhammad Arshad]

hi. liquid assets mean such assets which can be quickly converted into cash or already have in cash.

On Mon, Oct 17, 2011 at 1:42 PM, fairy <furr...@gmail.com> wrote:

salam

plzz anybody tell me liquid asset kiya hote han?

--

[mc100204359 Abid Ali]

 

Liquid assets are just like cash or easily covertable into cash.

 

 

On Mon, Oct 17, 2011 at 1:42 PM, fairy <furr...@gmail.com> wrote:

salam

plzz anybody tell me liquid asset kiya hote han?

--

[fairy]

plzz any body tell me current ratio ka ans times ma q ata hai?

[mc090405216 Arshia Osaf]

AOA 

Please explain me wether increase in Debt to Tangible Net worth Ratio favorable for banks or not  and why?

[mc090405570 Faisal]

increase ratio must be Favorable because debt to tangible net worth ratio show the physical net worth  of a business, there is no standard bench mark it depend upon the business type. 

On Mon, Oct 17, 2011 at 6:10 PM, mc090405216 Arshia Osaf <mc090...@vu.edu.pk> wrote:

AOA 

Please explain me wether increase in Debt to Tangible Net worth Ratio favorable for banks or not  and why?

--