MAHKAMAH PERUSAHAAN MALAYSIA

[KES NO: 7/4-2543/06]

DI ANTARA

TAN SIEW MENG

DENGAN

ALLIANCE BANK MALAYSIA BERHAD

AWARD NO. 1461 TAHUN 2012

Di hadapan : TUAN HAMDAN BIN INDAH - PENGERUSI

(Bersidang Berseorangan)

Tempat : Mahkamah Perusahaan, Kuala Lumpur.

Tarikh Rujukan : 16.10.2006

Tarikh Perbicaraan : 3.12.2009, 30.6.2010, 13.4.2011, 14.4.2011 &

18.5.2011.

Tarikh Sebutan : 18.12.2006, 26.2.2007, 12.3.2007, 17.4.2007, 9.5.2007,

10.7.2007, 11.2.2008, 3.3.2008, 18.3.2008, 18.8.2008,

26.8.2008, 4.5.2009, 3.7.2009, 27.7.2009, 7.8.2009,

18.3.2010, 26.7.2010, 29.10.2010, 25.11.2010,

13.12.2010 & 17.1.2011.

Perwakilan : Bagi pihak menuntut - R Balamurali bersama-sama

dengan Edward Saw; T/n Josephine, LK Chow & Co

Bagi pihak bank - A Gomez; T/n Gomez & Associates

1

Rujukan:

I n i a d a l a h s a t u r u j u k a n d i b a w a h S e k s y e n 2 0 ( 3 )

A k t a P e r h u b u n g a n P e r u s a h a a n 1 9 6 7 b e r s a b i t d e n g a n

p e m b u a n g a n k e r j a Ta n S i e w M e n g ( s e l e p a s i n i d i s e b u t

s e b a g a i “ Ya n g M e n u n t u t ” ) o l e h A l l i a n c e B a n k M a l a y s i a

B e r h a d ( s e l e p a s i n i d i s e b u t s e b a g a i “ B a n k ” ) .

AWARD

Kes in i merupakan ru jukan o leh Y.B. Mente r i d i bawah

seksyen 20(3) Akta Perhubungan Perusahaan , 1967 yang

mel iba tkan Yang Menuntu t , seorang Pengurus Bank d i

Cawangan Kajang yang d ipunya i Al l i ance Bank Malays ia

Berhad ( se lepas in i d ipanggi l Bank) sebaga i maj ikan .

Fakta Kes

2. Yang Menuntut mula bekerja sebagai pegawai Bank pada

2.9.1985 sehinggalah dinaikkan pangkat menjadi Pengurus

Cawangan di Kajang pada 25.6.2001 hingga 26.10.2003.

3 . Selepas i tu Yang Menuntu t t e l ah d i l an t ik menjad i

Bus iness Deve lopment Manager un tuk 4 cawangan ber iku t : -

- Kuchai Entrepreneur Park Branch

- Taman Maluri Branch

- Pandan Indah Branch

- Taman Putera Branch

2

4 . Bagaimanapun jawatan Yang Menuntu t mas ih keka l

sebaga i Penolong Pengurus Besar (Ass i s t an t Genera l Manager )

dan d i t empatkan d i Cawangan Kucha i Ent repreneur Park .

5 . D a l a m b u l a n Me i 2 0 0 4 , Ya n g Me n u n t u t t e l a h d i p a n g g i l

o l e h A u d i t D a l a ma n B a n k u n t u k b e r t a ny a k a n me n g a p a

s e o r a n g p e l a n g g a n t e l a h me ma s u k k a n s e j u ml a h R M6 0 , 0 0 0 . 0 0

k e d a l a m a k a u n n y a .

6 . Ya n g M e n u n t u t t e l a h p u n m e m b e r i k a n p e n j e l a s a n n y a

t e t a p i t i d a k d i b e r i t a h u k e p u t u s a n s i a s a t a n . S e b a l i k n y a B a n k

t e l a h m e n a h a n k e n a i k a n g a j i n y a u n t u k t a h u n 2 0 0 4 d a n

b o n u s y a n g s e p a t u t n y a d i t e r i m a .

7 . Pada 17 .11 .2004 Yang Menun tu t t e l ah me ner i ma sa tu

su ra t mi n t a pen je l a san be rka i t an dengan 4 pe rka ra sa l ah

a tu r an ( i r r egu la r i t i e s ) da r i Bank : -

( i ) You had used your pe r sona l mon ie s a moun t ing to

RM60 ,000 .00 to purcha se Al l i ance Bank ' s un i t

t r u s t s fo r t he bene f i t o f Da to Ng Thean La i and Ms

Kwan Mee L in ( cus to mer s o f t he Bank) , and thereby

you had bene f i t ed f ro m th i s t r ansac t ion a s y ou were

ab l e to mee t t he sa l e s t a rge t fo r un i t t r u s t be fo re 8

J a n u a r y 2 0 0 4 a n d w e r e r e w a r d e d w i t h a n a i r t i c k e t

t o Ma u r i t i u s .

( i i ) You had approved the f i nanc ing o f s ix (6 ) Angger ik

Vi l l a un i t s , wh ich were pa r t o f a deve lop me n t

p ro j ec t under t aken by Da to Ng Thean La i , a t marg in

3

of f i n ance o f 85% inc lu s ive o f MRTA, desp i t e t he

fac t , p r io r t o y our approva l o f t he f i nan c ing fo r t he

sa id un i t s , you were s t r i c t ly i n s t ruc t ed by the

Sen ior Gene ra l Manage r, Consu mer Bank ing tha t

t he ma x i mu m marg in o f f i n anc ing a l l owed fo r t he

Angger ik Vi l l a un i t s i s 80% inc lus ive o f MRTA.

( i i i ) You had approved and au thor i sed the d i sbursement

o f an overdra f t fac i l i ty amount ing to RM110,000 .00

in Apr i l and May 2002 to Kong Fook Phing desp i t e

the fac t i t was b rought to your a t t en t ion , based on

the CTOS check ing , tha t Kong Fook Phing was a t

tha t ma te r ia l t ime , p r io r to your approva l o f the

overdra f t , was an ad judged bankrupt .

( iv) You had approved the f inanc ing of Kajang Vi l l a

un i t s , which were par t o f a deve lopment p rojec t

under taken by Dato Ng Thean La i , a t the then

preva l en t hous ing loan in t e r e s t r a t e wh ich wa s

l ower than the i nves t me n t r a t e o f BLR + 1 .5%

desp i t e t he fac t tha t :

(a) You knew that the Kajang Villa units were

purchased for investment purposes;

(b) You did not seek confirmat ion from the Senior

General Manager, Consumer Banking on the

sta tus of your memo dated 9 January 2003

p e r t a i n i n g t o t h e a p p r o p r i a t e i n t e r e s t r a t e t o

b e i mp o se d f o r t h e s a i d u n i t s .

4

8 . Yang Menuntu t d iber i masa seh ingga 26 .11 .2004 un tuk

menjawab dan j ika gaga l Bank akan mengambi l t indakan

se lan ju tnya yang d i f ik i rkan pa tu t . Yang Menuntu t t e l ah

memohon masa l an ju tan un tuk menjawab sura t t e r sebut dan

pada 16 .12 .2004 jawapan t e lah d ihan ta r kepada Enc ik Deva

Murugan .

9 . Selepas i tu apa yang menge ju tkan Yang Menuntu t i a l ah

pada 2 .3 .2005 be l i au t e lah mener ima no t i s s i asa tan da laman

ber ta r ikh 18 .3 .2005 yang mengandungi 4 tuduhan ber iku t : -

CHARGE 1

Tha t y ou du r ing your t enure a s t he Branch Manage r o f

Ka jang Branch , had used y our pe r sona l mo n ies

a moun t ing to RM60 ,000 .00 to pu rchase Al l i ance Bank ' s

un i t t r u s t s fo r t he bene f i t o f Da to Ng Thean La i and Ms

Kwan Mee L in ( cus to mer s o f t he Bank) , and thereby you

had bene f i t ed f ro m th i s t r ansac t ion a s y ou were ab l e t o

me e t t h e s a l e s t a rg e t f o r u n i t t r u s t b e fo r e 8 J a n u a r y

2 0 0 4 a n d w e r e r e w a r d e d w i t h a n a i r t i c k e t t o M a u r i t i u s .

CHARGE 2

That you dur ing your t enure as the Branch Manager o f

Kajang Branch , had approved the f inanc ing of s ix (6 )

Angger ik Vi l l a un i t s , which were par t o f a deve lopment

pro jec t under taken by Dato Ng Thean La i , a t marg in of

f inance of 85% inc lus ive of MRTA, desp i t e the fac t , pr io r

to your approva l o f the f inanc ing for the sa id un i t s , you

w e r e s t r i c t l y i n s t r u c t e d b y t h e S e n i o r G e n e r a l M a n a g e r,

5

C o n su me r B a n k i n g t h a t t h e ma x i mu m ma rg i n o f

f i n a n c i n g a l l o w e d fo r t h e A n g g e r i k Vi l l a u n i t s i s 8 0 %

i n c l u s i v e o f MRTA .

CHARGE 3

That you dur ing your t enure as the Branch Manager o f

Kajang Branch , had approved and au thor i sed the

d i sbursement o f an overdra f t fac i l i ty amount ing to

RM110,000 .00 in Apr i l and May 2002 to Kong Fook

Phing desp i t e the fac t i t was b rought to your a t t en t ion ,

based on the CTOS check ing , tha t Kong Fook Phing was

a t tha t ma te r ia l t ime , p r ior to your approva l o f the

overdra f t , was an ad judged bankrupt .

CHARGE 4

That you dur ing your t enure as the Branch Manager o f

Kajang Branch , had approved the f inanc ing of Kajang

Vi l l a un i t s , which were par t o f a deve lopment p ro jec t

under taken by Dato Ng Thean La i , a t the then preva len t

hous ing loan in tere s t r a te which was lower than the

inves tment r a te o f BLR - 1 .5% desp i t e the fac t tha t :

( a ) You knew tha t t he Ka jang Vi l l a un i t s were

pu rchased fo r i nves t men t purpose s ;

(b ) You d id no t seek conf i r ma t ion f ro m the Sen ior

Gene ra l Manage r, Con su mer B ank ing on the s t a tus

o f y our me mo da t ed 9 Janu a ry 2003 per t a in ing to

t he appropr i a t e i n t e r e s t r a t e t o be i mpo sed fo r t he

sa id un i t s .

6

10. Yang Menuntut diminta untuk menghadi r i s iasa tan

dalaman i tu pada 24.3 .2005 har i Khamis jam 9 .30 pagi

ber tempat d i Bi l ik Mesyuara t , Sumber Manusia Tingkat 28 .

11 . Oleh kerana t empoh yang s ingka t dan komi tmen ker ja

Yang Menuntu t t e l ah me mohon supaya s ia sa tan i tu

d i t angguhkan . Permohonan in i d ibenarkan dan t a r ikh baru

t e lah d imaklumkan pada 19 .4 .2005 .

12 . Bagaimanapun pada 18 .4 .2005 , Yang Menuntu t t e l ah

mener ima e-ma i l da r i Enc ik Deva Murugan me mber i t ahu

s i a s a t a n d a l a m a n a k a n d i t a n g g u h k a n k e s a t u m a s a y a n g

a k a n d i b e r i t a h u .

13 . Pada 11 -15 Ju l a i 2005 Yang Menun tu t t e l ah me ndapa t

cu t i s ak i t s e t e l ah d i ' d i agnos i s ' dengan “Acu te Lu mba rgo

Sc i a t i ca” . Se l epas ke mb a l i beke r j a pada 18 .7 .2005 Yang

Menun tu t t e l ah d i s e r ahkan dengan sa tu l ag i no t i s s i a sa t an

da l a ma n ber t a r ikh 11 .7 .2005 yang me mi n ta be l i au had i r pada

20 .7 .2005 j a m 9 .30 pag i d i t e mpa t yang sa ma .

14 . Kal i in i no t i s s i a sa tan da laman mengandungi 6 tuduhan ,

i a i tu 4 tuduhan yang asa l dan 2 tuduhan t ambahan seper t i

be r iku t : -

CHARGE 5

Tha t y ou dur ing your t enure a s t he Branch Manage r o f

Ka jang Branch , had be tween 2001 and 2003 , approved

the f i n anc ing o f purcha se o f va r ious un i t s a t Angger ik

Vi l l a u n i t s a s p e r A p p e n d i x 1 b a s e d o n t h e p u r c h a s e

7

pr i ce a s s t a t ed i n t he Sa l e s & Purchase Agree men t

desp i t e t he fac t t ha t t he s a id purchase pr i ces were

sub s t an t i a l ly h igher t han the pu rchase p r i ces pa id in t he

y ear s 1999 and 2000 , t he r eby caus ing the Bank to be

ove r- exposed to undue f i nanc i a l r i sk .

CHARGE 6

That you dur ing your tenure as the Branch Manager o f

Kajang Branch , had approved the loan to Too Yow Choy

on 07 August 2001 as per Appendix II despi te the fac t

tha t the monthly repayment ins ta l lment to income ra t io

was 112% thereby render ing the customer ine l ig ib le to

apply for the sa id loan. This i s in cont ravent ion of the

Sect ion 5 .1 (v i i ) of the Consumer Mor tgage Loan Manual .

1 5 . Ta m b a h m e n g e j u t k a n l a g i Ya n g M e n u n t u t , p a d a

1 8 . 7 . 2 0 0 5 B a n k t e l a h m e n g h a n t a r s a t u s u r a t m e n a h a n

b a y a r a n b o n u s n y a b e r b u n y i s e p e r t i b e r i k u t : -

“Please be informed that pending the final outcome

of the current on going disciplinary investigation

which involves you, your bonus payment will be

withheld until further notice.”

1 6 . P a d a 1 9 . 7 . 2 0 0 5 Ya n g Me n u n t u t t e l a h s e k a l i l a g i

me mo h o n p e n a n g g u h a n p e r b i c a r a a n s i a sa t a n d a l a ma n a t a s

a l a sa n k e su n t u k a n ma s a d a n b e l i a u t e r p a k sa me ny e d i a k a n

s a t u me mo p e n t i n g u n t u k d i s e r a h k a n k e p a d a L e mb a g a

P e n g a r a h p a d a 1 9 . 7 . 2 0 0 5 .

8

1 7 . P a d a 2 6 - 2 7 J u l y 2 0 0 5 , Ya n g M e n u n t u t s e ma s a d a l a m

c u t i s a k i t , t e l a h d i b e r i t a h u s i a s a t a n d a l a ma n a k a n d i a d a k a n

p a d a 2 8 . 7 . 2 0 0 5 .

1 8 . S e l e p a s s i a sa t a n d a l a ma n d i j a l a n k a n Ya n g Me n u n t u t

t e l a h me n u l i s su r a t k e p a d a P e n g e r u s i P a n e l s i a s a t a n d a l a ma n

p a d a 9 . 8 . 2 0 0 5 me mb e r i t a h u p e n j e l a sa n l a n j u t t e n t a n g

p e r t u d u h a n N o . 5 d a n N o . 6 . A p a y a n g t e r j a d i s e t e r u sny a

B a n k t e l a h me n g h a n t a r su r a t k e p a d a Ya n g Me n u n t u t p a d a

1 8 . 8 . 2 0 0 5 me mb e r i t a h u k e n a i k a n g a j i n y a u n t u k b u l a n A p r i l

a k a n d i t a n g g u h s e h i n g g a d i b e r i t a h u . I n i d i i k u t i d e n g a n s a t u

l a g i su r a t b e r t a r i k h 3 0 . 9 . 2 0 0 5 y an g me ma k l u mk a n Ya n g

Me n u n t u t d i b e r h e n t i k a n k e r j a d e n g a n k u a t k u a sa s e r t a me r t a .

Kes pihak Bank

19. Bank yang diwaki l i o leh Enc ik A. Gomez dar i Te tuan

Gomez & Assoc ia te s t e lah me manggi l 2 o rang saks i un tuk

membukt ikan Bank me mpunya i sebab dan a lasan yang sah

un tuk memeca t Yang Menuntu t .

20 . Sela in dar i i tu Bank juga t e lah me mfa i lkan 4 ika tan

dokumen yang d i t anda seper t i be r iku t : -

C - Ikatan dokumen Bank

D - Ikatan dokumen tambahan

E - Ikatan dokumen tambahan ke 2

F - Surat perletakan jawatan oleh Ng Mei Lin

bertarikh 2.7.2004

9

21 . Dua o rang sak s i Bank i a l ah COW(1) Chan Mun Chee

yang pada ma sa ma te r i a l be r tuga s sebaga i Ass i s t an t Gene ra l

Manage r, Group In t e rna l Aud i t . Peny a t a saks iny a t e l ah

d i t e r i ma s ebaga i ke t e r angan dan d i t anda COWS(1) .

22 . COW(2) Chow Yee Sang pu la d i tugaskan un tuk

menja l ankan s ia sa tan dan menyediakan l aporan s ia sa tan d i

muka sura t 5 -27 Ika tan 'D ' .

23 . COW(1) menge sahkan be l i au t e l ah mengarahkan COW(2)

men ja l ankan s i a sa t an berka i t an d i Bank C awangan Ka jang

p a d a t a h u n 2 0 0 4 y a n g m a n a h a s i l s i a s a t a n m e n d a p a t i

b e r l a k u s a l a h a t u r a n b e r k a i t a n d e n g a n p e n g u r u s a n b a n k d i

s i t u y an g ma n a Ya n g Me n u n t u t me n j a d i P e n g u r u s C a w a n g a n .

2 4 . P a d a 2 0 0 5 , p i h a k B a n k t e l a h j u g a me mb u a t s i a sa t a n

l a n j u t d a n me n d a p a t i b e r l a k u s a l a h a t u r a n y a n g d i l a k u k a n

o l e h Ya n g Me n u n t u t s e p e r t i t e r k a n d u n g d a l a m l a p or a n a u d i t

d i mu k a su r a t 3 1 - 6 3 Ik a t a n ' C ' .

25 . COW(2) pu la menga takan se lepas menja lankan s iasa tan

dan menyediakan l aporan , p ihak Bank te lah mengenakan 6

tuduhan kepada Yang Menuntu t . 4 Tuduhan yang per tama

ada lah has i l dar i s i a sa tan yang d ibua t o lehnya . Saks i in i juga

mengesahkan t e lah had i r sebaga i saks i semasa s i a sa tan

da laman d i j a lankan t e rhadap Yang Menuntu t .

10

Kes Yang Menuntut

26 . Yang Menuntu t yang juga d ikena l i dengan nama S tacy

d iwaki l i o leh Enc ik R. Ba la Mura l i dan Enc ik Edward Saw dar i

Te tuan Josephine L .K. Chow & Co.

2 7 . Ya n g M e n u n t u t s e o r a n g s a h a j a y a n g m e m b e r i

k e t e r a n g a n d i s a m p i n g m e m f a i l k a n 2 i k a t a n d o k u m e n y a n g

d i t a n d a ' A ' d a n ' B ' .

2 8 . B e l i a u me n g a t a k a n t e l a h d i b u a n g k e r j a s e c a r a t i d a k a d i l

d a n t a n p a s e b a b y a n g s a h . Wa l a u p u n b e l i a u a d a h a d i r

s e m a s a s i a s a t a n d a l a m a n d i j a l a n k a n p a d a 2 8 . 7 . 2 0 0 5 t e t a p i

b e l i a u m e n g a t a k a n b e b e r a p a d o k u m e n p e n t i n g t i d a k

d i t u n j u k k a n k e p a d a n y a i a i t u : -

- Muka surat 10-20, Ikatan 'C'.

- S e m u a d o k u m e n y a n g d i k e m u k a k a n s e m a s a

s i a s a t a n d a l a m a n .

- Muka surat 5-27 Ikatan dokumen 'D'.

- Muka surat 31-63 Ikatan 'C'.

2 9 . Ya n g M e n u n t u t m e n g a t a k a n k e p u t u s a n s i a s a t a n

d a l a m a n t i d a k b e t u l d a n b e l i a u t i d a k b e r s a l a h a t a s k e s e m u a

t u d u h a n t e r s e b u t .

Dapatan dan Penilaian oleh Mahkamah

30. Sete lah mendengar ke te rangan saks i - saks i Bank dan

ke te rangan Yang Menuntu t , mene l i t i dokumen yang

d i k e m u k a k a n d a n m e n i m b a n g k a n h u j a h a n b e r t u l i s k e d u a : -

11

dua peguam yang mewaki l i Bank dan Yang Menuntu t ,

keputusan Mahkamah ada lah seper t i be r iku t : -

3 1 . Wa l a u p u n s i a sa t a n d a l a ma n t e l a h me n d a p a t i Ya n g

Me n u n t u t b e r s a l a h a t a s t u d u h a n t e r s e b u t i n i t i d a k b e r ma k n a

Ma h k a ma h a k a n t e r i k a t d e n g a n k e p u t u sa n i t u , l e b i h - l e b i h

l a g i j i k a Ma h k a ma h me n d a p a t i s i a s a t a n d a l a ma n y a n g

d i a d a k a n i t u t i d a k t e r a t u r, t i d a k s a h d a n me ny a l a h i p r i n s i p

k e a d i l a n a sa s i . P r i n s i p i n i d i p u t u sk a n o l e h Ma h k a ma h

R a y u a n d a l a m k e s H o n g L e o n g E q u i p m e n t S d n . B h d . v.

L i e w F o o k C h u a n & O t h e r s [ 1 9 9 7 ] 1 C L J 6 6 5 .

32 . Pun beg i tu Mahka mah in i akan me nga mb i lk i r a

ke t e r angan yang t e l ah d i r ekodkan se masa s i a sa t an da l a ma n

me mand angkan t i dak ada ban tahan o l eh Yang Menun tu t . D i

pe renggan 27 peny a t a kes , Yang Menun tu t t e l ahpun

me mpl idkan fak t a t e r sebu t :

“The Cla imant puts the Company to s t r ic t proof o f

each of the Company 's f inding in respect of the

charges prefer red against the Cla imant . The

Cla imant contends tha t the ent i re DI was merely a

colourable exerc ise to de termine tha t the Cla imant

was gui l ty of misconduct and then proceed to

t e r mi n a t e h e r e mp l o y me n t . T h e C l a i ma n t w i l l r e ly

o n t h e c o n t e n t s o f t h e l e t t e r o f t e r mi n a t i o n a n d a l l

t h e f a c t s p l e a d e d h e r e i n a b o v e i n su p p o r t o f t h i s

c o n t e n t i o n . ”

12

Tuduhan Pertama

3 3 . P e g u a m B a n k me n g h u j a h k a n t u d u h a n i n i t e l a h

d i b u k t i k a n d e n g a n l a p o r a n a u d i t d i mu k a su r a t 7 - 11 I k a t a n

' D ' y a n g me mb u a t k e s i mp u l a n b e r i k u t d i p a r a 3 . 1 . 1 3 :

“We are of the opinion that i t is rather unusual for a

staff to use her own funds especial ly for a sum to

RM60,000.00 to purchase DGF on behalf for a

cus tomer un less the re la t ionsh ip goes beyond tha t

o f a normal banker and cus tomer re la t ionsh ip .”

34. Yang Menuntut sendi r i t idak menaf ikan fakta in i seper t i

d iakui d i da lam sura t penje lasannya ber tar ikh 14.12.2004 di

muka sura t 37 Ikatan 'A ' . Di perenggan 2 .1 bel iau menjawab:

“ I d id no t use my persona l money of RM60,000 .00

to f inance the purchase Al l i ance Bank ' s t rus t s fo r

the bene f i t o f Dato Ng Thean La i and Ms. Kwan Mee

L in . Dato Ng had fu l ly pa id me for the un i t t rus t s

i s sued on beha l f o f h i s ch i ld ren , Ng S iew Khim and

Ng Wei Hwa. As for Ms. Kwan Mee L in , she too had

fu l ly pa id me for the un i t t rus t s to her. More

impor tan t ly however, I d id not ga in any benef i t f rom

these t r ansac t ions as a l l eged as I was no t

awarded wi th the a i r t i cke t to Maur i t ius and d id no t

go to Maur i t ius . At the ma te r ia l t ime , I had a l ready

been promoted to Bus iness Deve lopment Manager

and was s t a t ioned a t the Kucha i Lama branch and

there fore no longer ma in ta ined any sa les t a rge t s in

r e la t ion to un i t t rus t s . ”

13

35 . Fak ta i n i j uga d i aku i o l eh pegua m Yang Menun tu t d i

da l a m hu jahan be r tu l i sny a d i ma na be l i au ber se tu ju dengan

ke t e r angan COW-1 bahaw a Yang Menun tu t t e l ah

meng e lua rkan 2 kep ing cek be rn i l a i R M60 ,000 .00 pada

6 .1 .2004 da r i akaunny a un tuk me mbe l i DGF un i t t r u s t s

mas ing -mas ing be rn i l a i RM30 ,000 .00 un tuk Ng Wei Hwa dan

Ng S iew Khi m i a i t u anak kepada Da to Ng Thean La i yang

men jad i pe l anggan Bank .

3 6 . S e m a s a d i s o a l b a l a s Ya n g M e n u n t u t m e n g a t a k a n

t i n d a k a n i t u a d a l a h n o r ma l d a n b e l i a u t i d a k m e n d a p a t a p a -

a p a f a e d a h : -

Q: As a branch manager qu i t e sen ior in the bank

do you agree tha t even there i s no wr i t t en

po l i cy of a rmlength re la t ionsh ip prudence

requ i re you main ta in ce r ta in d i s t ance wi th the

cus tomer.

A: As a branch manager who is servicing the

bank customer, as long as my conscious is

c lear that I do not benefi t personal ly from the

relat ionship. I need to maintain the

relat ionship with my client to enlarge the bank

business.

Q: Could you possible to extend personal money

amount to 70k to Dato Ng and someone in the

family i f you said the relat ionship is normal

between bank's customer.

A: To me it is normal.

14

Q: As senior bank manager do you agree that you

conduct of advancing personal money to

normal customer as you claim was

unappreciated and not in the interest of the

bank.

A : N o .

3 7 . S u n g g u h p u n p e g u a m Ya n g M e n u n t u t me n g h u j a h k a n

p e n j e l a sa n y a n g d i b e r i k a n o l e h Ya n g Me n u n t u t a d a l a h

mu n a sa b a h d a n t i d a k b e r l a k u s e b a r a n g a b n o r ma l t e t a p i

d e n g a n h o r ma t n y a Ma h k a ma h me n o l a k h u j a h t e r s e b u t .

3 8 . S a t u p e r so a l a n y an g p e r l u d i t a ny a k e p a d a Ya n g

Me n u n t u t i a l a h s a ma a d a b e l i a u a k a n me n g e l u a r k a n w a n g n y a

t e r l e b i h d a h u l u u n t u k m e m b e l i u n i t t r u s t s s e k i r a n y a o r a n g

i t u t i d a k m e m p u n y a i a p a - a p a h u b u n g a n d e n g a n b a n k a t a u

t i d a k m e m p u n y a i k e p e n t i n g a n p e r i b a d i d e n g a n Ya n g

M e n u n t u t .

3 9 . S e ma sa d i so a l b a l a s o l e h p e g u a m B a n k s i a p a k a h D a t o

N g , Ya n g Me n u n t u t me n j a w a b s e p e r t i b e r i k u t : -

A: Page 50 Bundle A. Dato' Ng is part of Villaraya

Group. He is the banker 's customer since

1996. He is a well known developer in Kajang.

His company is under our bank approved

developer in our credi t manual . He himself

and his company has a big loan with the bank.

15

4 0 . A d a l a h p e n d a p a t M a h k a m a h d i s e b a b k a n h u b u n g a n

r a p a t i n i , Ya n g M e n u n t u t t i d a k m e r a s a r a g u - r a g u u n t u k

m e n d a h u l u k a n w a n g n y a u n t u k m e m b e l i u n i t t r u s t s e p e r t i

y a n g d i n y a t a k a n d a l a m t u d u h a n p e r t a m a . Wa l a u p u n Ya n g

M e n u n t u t t i d a k m e n e r i m a f a e d a h t i k e t p e n e r b a n g a n k e

M a u r i t i u s t e t a p i i n i t i d a k b e r e r t i k e s a l a h a n t e r s e b u t t i d a k

d i b u k t i k a n .

4 1 . O l e h i t u M a h k a m a h m e n e r i m a h u j a h p e g u a m B a n k

b a h a w a t i n d a k a n Ya n g M e n u n t u t a d a l a h m e n y a l a h i B N M / G P

7 t h e c o d e o f e t h i c s y a n g m e n y a t a k a n s e p e r t i b e r i k u t : -

( i) Staff must not engage direct ly or indirect ly in

a ny b u s i n e s s a c t i v i t y t h a t c o mp e t e s o r

c o n f l i c t s w i t h t h e f i n a n c i a l i n s t i t u t i o n ' s

i n t e r e s t . A m o n g s t o t h e r s , w h e r e t h e s t a f f h a s

a f i n a n c i a l i n t e r e s t i n c u s t o m e r , h e / s h e

s h o u l d n o t b e d i r e c t l y i n v o l v e d i n t h e F I ' s

d e a l i n g s w i t h t h e c u s t o m e r s o l o n g a s t h e

i n t e r e s t c o n t i n u e s t o e x i s t .

( i i ) Staff does not conduct business other than the

f inancial inst i tut ion 's business during off ice

hours.

( i i i) S t a f f d o e s n o t a c c e p t a n y g i f t , c o m m i s s i o n ,

m o n e y o r o t h e r s w h i c h p r o h i b i t e d u n d e r

s e c t i o n 11 5 o f t h e B A F I A a s c o n s i d e r a t i o n o f

c red i t or o ther banking fac i l i t i e s , pe rmiss ion to

o v e r d r a w a n y a c c o u n t o r a n y o t h e r t h i n g s

r e l a t e d t o t h e b a n k ' s b u s i n e s s .

16

O l e h i t u p i h a k b a n k m e m u t u s k a n t u d u h a n p e r t a m a

t e l a h d i b u k t i k a n o l e h S y a r i k a t .

Tuduhan Kedua

42. Di sini peguam pihak Bank juga menghujahkan tuduhan

kedua te lah dibukt ikan dengan penegasan ber ikut :

“The documentary evidence speaks for i tself the

Cla imant ' s cu lpab i l i ty in r espec t o f the 2 n d charge .

The Cla imant b la tan t ly d i s regard the spec i f i c

ins t ruc t ion of her super ior o ff i ce r in no t l imi t ing the

sa id f inanc ing to 80% inc lus ive of MRTA.”

Tuduhan ke atas Yang Menuntut ialah:

“had approved the financing of six (6) Anggerik Villa

units, which were part of a development project

undertaken by Dato Ng Thean Lai , a t margin of

f inance of 85% inclusive of MRTA, despi te the fact ,

pr ior to your approval of the f inancing for the said

uni ts , you were st r ic t ly inst ructed by the Senior

General Manager, Consumer Banking that the

maximum margin of f inancing al lowed for the

Anggerik Vil la units is 80%”

Atas tuduhan in i , Bank t e lah meru juk kepada l aporan aud i t

da laman (m.s . 31-146 Bundle C) d i muka sura t 75 , 76 , 77 d i

mana arahan t e lah d ike luarkan bahawa marg in of f inance

(MOF) ada lah se taka t 80% dar i ha rga be l i dan Yang Menuntu t

menge tahui mengena i a rahan in i .

17

43 . Di mu ka su ra t 82-100 ada l ah bukt i doku men

menun jukkan Yang Menun tu t t e l ah me lu lu skan p in j a man

me leb ih i 80% MOF.

44 . Bagi menjawab tuduhan i tu , ke terangan Yang Menuntu t

ada lah seper t i d i soa lba las o leh peguam p ihak Bank: -

Q: Page 20 Bundle D. The audi t report show that

you did not comply with the inst ruct ion.

A: My staff and I were under the impression that

MO F sh o u l d b e 8 0% . Mr. C h a n i n d i c a t e

i n c l u s i v e MRTA . We h a v e u n d e r s t o o d a s 8 0 %

a s p u r c h a s e p r i c e a n d w e a l s o c a n a p p r o v e d

t h e MRTA p o r t i o n - me a n i n g t h a t w e h a v e

i n t e r p r e t e d 8 0 % i n c l u s i v e o f MRTA

d i s j u n c t i v e l y a s i n d i c a t e d by my e - ma i l . We

h a v e p r o c e s s i n g l o a n a t 8 5% o f t h e p u r c h a se

p r i c e .

45 . Berdasarkan kepada ke terangan in i , Mahkamah

berpendapa t tuduhan yang kedua t e lah juga d ibukt ikan o leh

Bank .

Tuduhan Ketiga

46 . Di da lam tuduhan in i Yang Menuntu t d ika takan t e lah

melu luskan p in jaman da lam ben tuk kemudahan overdra f

ber jumlah RM110k da lam bulan Apr i l dan Mei kepada Kok

F o o k P h i n g w a l a u p u n f a k t a m e n u n j u k k a n b e r d a s a r k a n

18

kepada s ia sa tan CTOS, pada masa i tu be l i au ada lah seorang

bankrap .

4 7 . P i h a k B a n k t e l a h me r u j u k k e p a d a l a p or a n s i a s a t a n d i

mu k a su r a t 1 9 Ik a t a n D y a n g me n g a t a k a n Ya n g Me n u n t u t

t e l a h me l u l u sk a n k e mu d a h a n o v e r d r a f k e p a d a K o k Fo o k

P h i n g s e b a ny a k 2 k a l i i a i t u d a l a m b u l a n A p r i l d a n Me i 2 0 0 2

d e n g a n j u ml a h R M7 0 k d a n R M4 0 k . Me n g i k u t s i a sa t a n C TO S

p a d a 2 9 . 4 . 2 0 0 2 Ya n g Me n u n t u t t e l a h d i i sy t i h a r k a n b a n g k r a p

me l a l u i p e r i n t a h Ma h k a ma h b e r t a r i k h 1 0 . 3 . 1 9 8 6 d a n

1 8 . 3 . 1 9 9 2 .

48 . Untuk tuduhan in i , Yang Menun tu t men af ikan be l i au

meng e tahu i me ngena i pe rka ra i t u . Be l i au me ny a lahkan Ng

Mei L ing , pegawa i yang be r t anggung jawab un tuk me mer iksa

borang pe r mohonan t e r sebu t sepe r t i d i l a mpi rkan d i mu ka

su ra t 1 -6 dokumen B .

49 . Atas ke te rangan in i peguam Yang Menuntu t t e l ah

menghujahkan anggapan d i bawah s . 114(g) Akta Kete rangan

1950 pa tu t t e rpaka i kerana Ng Mei L ing bukan sa ja t idak

d ipangg i l un tuk me mber i ke t e r angan t ap i t i dak juga

d ikenakan seb a rang t i ndakan .

50 . Dengan hormatnya Mahkamah menolak hujah t er sebut

kerana p ihak Bank te lah membukt ikan dengan ke te rangan

d o k u me n b a h a w a Ya n g Me n u n t u t t e l a h me n a n d a t a n g a n i

b o r a n g p e n g e sa h a n d a n b e l i a u b e r t a n g g u n g j a w a b s e p e n u h ny a

a t a s a p a y a n g d i l u l u sk a n .

19

51 . Yang Menun tu t sepa tu tny a me mangg i l Ng Mei L ing

sebaga i sak s i un tuk me ngesahkan bahawa be l i au t i dak

d iber i t ahu t en t ang s t a tus pe mohon . O leh i tu anggapan d i

bawah s . 114(g ) Ak ta Ke te r angan t i dak t e rpaka i d i s i n i dan

seba l ikny a beban a t a s Yang Menun tu t un tuk me mb uk t ikan

se l a r a s dengan pe run tukan s . 103 Ak ta Ke te r angan : -

“The burden o f proo f as to any par t i cu lars fac t s l i e s

on tha t person who wi shes the cour t to be l i eve in i t s

ex i s t ence un le ss i t i s prov ided by any law tha t the

proof of that facts shal l l ie on any part icular person.”

52 . Untuk i tu Mahkamah juga mendapa t i p ihak Bank te lah

membukt ikan kesa lahan Yang Menuntu t .

Tuduhan Keempat

53 . Untuk tuduhan in i peguam p ihak Bank te lah meru juk

kepada muka sura t 17 dan 18 Ika tan D laporan aud i t yang

m e n d e d a h k a n b a h a w a Ya n g M e n u n t u t t e l a h m e n g e n a k a n

k a d a r f a e d a h y a n g r e n d a h s u p a y a l e b i h u n i t d a p a t d i j u a l

d e n g a n i t u m e n y e b a b k a n B a n k t i d a k m e n d a p a t m e n g e n a k a n

f a e d a h y a n g l e b i h t i n g g i .

5 4 . S e l a n j u t ny a b e l i a u me n g h u j a h k a n b a h a w a Ya n g

Me n u n t u t me n y e d a r i b a h a w a p e mb a n g u n a n h a r t a n a h i t u

a d a l a h t u j u a n p e l a b u r a n d a n b e l i a u t i d a k m e n d a p a t

k e b e n a r a n d a r i S e n i o r G e n e r a l M a n a g e r.

20

55 . Bagi menjawab hu jah i tu , peguam Yang Menuntu t

menga takan Yang Menuntu t t idak sepa tu tnya d i sa lahkan

berdasarkan kepada fak tor ber ikut : -

( 1 ) Ya n g M e n u n t u t t e l a h m e n g h a n t a r m e mo p a d a

9 . 1 . 2 0 0 3 k e p a d a M r. C h a n , S e n i o r G e n e r a l

M a n a g e r d e n g a n t u j u a n “ t o s e e k H e a d o f f i c e

g u i d a n c e a s t o w h e t h e r t h e c h a rg e t h e c u s t o me r @

i n v e s t m e n t r a t e a t B L R + 1 . 5 p . a .

( 2 ) O l e h k e r a n a t i d a k a d a j a w a p a n d a r i S e n i o r G e n e r a l

M a n a g e r, Ya n g M e n u n t u t t e l a h m e n g a n g g a p k a n

i a n y a d i p e r s e t u j u i .

( 3 ) P e m b e l i h a r t a n a h d i p r o j e k t e r s e b u t d i k e h e n d a k i

m e mb u a t a k u a n b e r s u m p a h m e n g a t a k a n t u j u a n

p e m b e l i a n u n t u k k e g u n a a n s e n d i r i s e p e r t i

d i s y a r a t k a n d a l a m s u r a t t a w a r a n b a n k . ( L i h a t

m . s . 8 1 - i k a t a n B ) .

56 . Sete lah mene l i t i ke te rangan kedua-dua p ihak dan

dokumen yang berka i t an Mahkamah berse tu ju dengan hu jah

peguam Yang Menuntu t bahawa tuduhan in i t idak dapa t

d ibukt ikan . Malahan l aporan aud i t send i r i menyebutkan

mereka ber se tu ju un tuk mener ima pen je lasan Yang Menuntu t

seper t i d i pa ra 3 .2 .3 .13 (m.s . 18 - ika tan D) :

“Giv ing Stacy the benef i t o f doubt tha t the memo

was indeed sen t ou t and d id no t r each the rec ip ien t ,

she should have fo l lowed up wi th the rec ip ien t in

o rder to obta in the bus iness dec i s ion which was the

purpose of the me mo but she d id no t . ”

21

23

57 . Oleh i tu ada lah pendapa t Mahkamah bahawa Yang

Menuntu t t idak bo leh d ikenakan tuduhan yang baru yang

m e n g a t a k a n d i a g a g a l u n t u k m e n d a p a t k a n k e b e n a r a n

t e r s e b u t .

Tuduhan Kelima

5 8 . Me n g i k u t t u d u h a n i n i Ya n g Me n u n t u t d i k a t a k a n

b e r t i n d a k s e p e r t i b e r i k u t : -

“You have ac ted in con t ra ry to the in te res t o f the Bank

when you approved f inanc ing a t p r i ces subs tan t i a l ly

h igher than the purchase pr ices pa id in the years 1999

a n d 2 0 0 0 t h e r e by c a u s i n g th e B a n k t o b e o v e r - e x p o se d

t o u n d u e f i n a n c i a l r i sk . ”

59 . Untuk membukt ikan kes mereka seka l i l ag i Bank

b e rg a n t u n g k e p a d a l a p o r a n a u d i t d i m u k a s u r a t 3 6 i k a t a n C

d i p a r a 3 . 2 . 1 : -

● “ H o u s i n g l o a n s g r a n t e d t o AV p r o j e c t c o u l d b e

b a se d o n o v e r v a l u e d p r o p e r t i e s , w h i c h ma y e x p o se

t h e B a n k t o r i sk o f o v e r- f i n a n c i n g .

● Th e p r i c e o f t h e p r o p e r t y fo r c a se s f i n a n c e d by t h e

B a n k i n y e a r 1 9 9 9 / 2 0 0 0 w e r e m u c h l o w e r

c o m p a r e d w i t h t h o s e c a s e s i n y e a r 2 0 0 1 o n w a r d .

We found tha t some SPA pr ice were h igher by more

than RM100k.”

22

60 . Yang Menuntu t t idak menaf ikan bahawa be l i au ada lah

Pengurus Bank pada masa yang ma te r ia l t e t ap i menaf ikan

pernah mel iha t l aporan t er sebut .

6 1 . S a k s i p i h a k B a n k C O W- 1 s e ma s a d i s o a l b a l a s o l e h

p e g u a m Ya n g M e n u n t u t b e r s e t u j u b a h a w a t u d u h a n k e l i m a

d a n k e e n a m t i d a k t e r d a p a t d i d a l a m n o t i s s i a s a t a n d a l a m a n

y a n g p e r t a ma b e r t a r i k h 1 8 . 3 . 2 0 0 5 . B e l i a u j u g a t i d a k d a p a t

m e n j a w a b m e n g a p a t u d u h a n k e l i ma t i d a k d i ma s u k k a n d a l a m

n o t i s p e r t a m a s e d a n g k a n d i a m e n g e t a h u i i s u y a n g

d i b a n g k i t k a n d a l a m t u d u h a n i n i t e l a h p u n d i s i a s a t s e m a s a

m e n y e d i a k a n l a p o r a n s i a s a t a n .

6 2 . O l e h k e r a n a p i h a k B a n k t i d a k m e n g e m u k a k a n

k e t e r a n g a n l a i n y a n g m e n g a t a k a n t i n d a k a n Ya n g M e n u n t u t

a d a l a h m e n y a l a h i a p a - a p a p o l i s i a t a u b e r t e n t a n g a n d e n g a n

a p a - a p a a m a l a n y a n g d i p r a k t i s k a n o l e h p i h a k B a n k ,

M a h k a m a h b e r s e t u j u d e n g a n h u j a h p e g u a m Ya n g M e n u n t u t

b a h a w a t u d u h a n i n i t i d a k d a p a t d i b u k t i k a n s e p e r t i d i p a r a

8 . 6 h u j a h b e r t u l i s b e l i a u : -

“The pr ic ing of the apar tment un i t s i s comple t e ly in the

hand of the deve loper and no th ing to do wi th the Kajang

Branch i t i s submi t t ed tha t i t i s h igh ly improper fo r the

Bank to accuse the Cla imant o f approv ing loans fo r un i t

wi th in f l a ted pr ices . Th i s i s espec ia l ly so when the fac t

as to whether the un i t s were in fac t in f l a ted had no t been

inves t iga ted thoroughly by the aud i to r s which renders i t

a s be ing pure ly specu la t ive .”

23

Tuduhan Keenam

“That you as the Branch Manager had approved the loan

to Too Yow Choy on 07 Augus t 2001 as per Appendix II

d e sp i t e t h e f a c t t h a t t h e mo n t h ly r e p a y me n t i n s t a l l me n t

t o i n c o me r a t i o w a s 11 2% t h e r e by r e n d e r i n g t h e

c u s t o me r i n e l i g i b l e t o a p p ly f o r t h e s a i d l o a n . Th i s i s i n

c o n t r a v e n t i o n o f t h e S e c t i o n 5 . 1 ( v i i ) o f t h e C o n su me r

Mo r t g a g e Lo a n Ma n u a l . ”

63 . Untuk tuduhan in i , peguam Yang Menuntu t menghujah-

kan bahawa tuduhan t e r sebut t idak berasas kerana sek . 5 .1

(v i i ) me mbenarkan p in jaman d iber ikan walaupun ra t io

p e n d a p a t a n me l e b i h i 4 0 % d e n g a n sy a r a t p i h a k c a w a n g a n

b a n k p e r c a y a p e mi n j a m me mp u n y a i k e u p a y a a n u n t u k

me mb a y a r.

64. Seksyen 5.1(vii) berbunyi seperti berikut:

“Repayment mus t no t exceed 40% o f ind iv idual or

jo in t subs tan t ia ted income in the case o f the Hous ing

Loan or Term Loan aggregated wi th o ther fac i l i t i e s

gran ted by us to the borrower the ce i l ing 40% must

be observed . For cases where the repayment exceed

40% o f the income, the appl ica t ion can s t i l l be

approved by branch , bu t the case should be proper ly

jus t i f i ed and the branch i s conv inced tha t the

appl ican t has the ab i l i t y to pay.”

24

65 . Pihak Bank t idak memanggi l Too Yow Choy un tuk

member i ke te rangan t en tang kemampuan be l i au un tuk

membayar ba l ik p in jaman, seba l iknya bergan tung kepada

l aporan aud i t d i muka sura t 48-50 (Bundle C) yang

menyenara ikan 5 pembel i d i mana bayaran ansuran

berdasarkan kepada ra t io pendapa tan meleb ih i 40%.

66 . Atas ke te rangan in i peguam p ihak Bank Enc ik Gomez

menghujahkan bahawa Yang Menuntu t pa tu t d i sa lahkan

seper t imana ka tanya d i muka sura t 9 hu jahan ber tu l i s : -

“The documentary evidence against the Claimant

irresistibly point towards her guilt . The Claimant

was unable to shake off the finding of the two audit

report against her.”

6 7 . S e t e l a h m e n i m b a n g k a n k e d u a - d u a h u j a h a n p e g u a m

Ya n g M e n u n t u t d a n p i h a k B a n k M a h k a m a h d e n g a n

h o r m a t n y a m e n o l a k h u j a h a n E n c i k G o m e z . I n i k e r a n a

M a h k a m a h m e n d a p a t i t i d a k a d a k e t e r a n g a n y a n g

m e n u n j u k k a n B a n k t e l a h m e n g a l a m i k e r u g i a n . L a p o r a n

a u d i t h a n y a m e r u p a k a n s a t u a n d a i a n s a j a s e d a n g k a n

p e m i n j a m To o Yo w C h o y t e l a h p u n m e l e t a k k a n c a g a r a n

s i mp a n a n t e t a p b e r j u m l a h R M 3 1 , 0 0 0 k e p a d a B a n k d a n b e l i a u

j u g a m e n u n j u k k a n p r o j e k - p r o j e k y a n g t e l a h d i t e r i m a n y a

s e b a g a i b u k t i k e u p a y a a n k e w a n g a n n y a . M a l a h a n C O W- 2

s e n d i r i m e n g a k u M r. To o s e o r a n g p e m i n j a m y a n g b a i k .

D e n g a n i t u M a h k a m a h m e m u t u s k a n B a n k t e l a h g a g a l u n t u k

m e m b u k t i k a n t u d u h a n k e e n a m k e a t a s Ya n g M e n u n t u t .

25

68 . Sebaga i kes i mp u lan , wa laupun Mahka ma h mend apa t i

Bank t i dak dapa t me mb uk t ikan kese mua tuduhan sa l ah l aku

y ang t e rdapa t da l a m keena m tuduhan i t u , na mun pada

pendapa t Mahka mah kesa l ahan yang t e l ah d ibuk t ikan da l a m

p e r t u d u h a n p e r t a ma , k e d u a d a n k e t i g a su d a h me n c u k u p i

u n t u k d i j a d i k a n a l a sa n o l e h B a n k u n t u k me n a ma t k a n

pe rkh id mat anny a Yang Menun tu t .

6 9 . S e b a g a i P e n g u r u s B a n k , Ya n g M e n u n t u t s e p a t u t n y a

l e b i h b e r h a t i - h a t i d a n m e m p u n y a i t a n g g u n g j a w a b y a n g l e b i h

u n t u k m e m a s t i k a n s u p a y a p e r b u a t a n n y a t i d a k m e n j e j a s k a n

k e p e r c a y a a n y a n g t e l a h d i b e r i k a n o l e h p i h a k B a n k . I n i

k e r a n a s e b a r a n g s a l a h l a k u w a l a u p u n k e c i l a k a n m e n j e j a s k a n

p e r n i a g a a n B a n k y a n g b o l e h m e n y e b a b k a n o r a n g r a m a i

k h a s n y a p e l a n g g a n b a n k a k a n h i l a n g k e p e r c a y a a n t e r h a d a p

B a n k d a l a m m e n g e n d a l i k a n u r u s a n k e w a n g a n m e r e k a .

70 . Dala m kes Mohd Nor Abdu l Rahman v. Bumiput ra

Comm erce Bank Be rhad [ 2007] 2 ILR 376 (y ang t e rdapa t

da l a m ika t an o tor i t i pegua m Bank) d i mu ka su ra t 384

Mahk a ma h t e l ah me mb ua t ko men ber iku t : -

“[4] The very na ture o f the bank ing indus t ry

requ i res i t s employees to s t r i c t l y comply wi th the

procedures o f the bank , bo th for the pro tec t ion o f

employee and bank . Any dev ia t ion f rom the

es tab l i shed procedure wi thout au thor i t y i s done to

the de t r iment o f the employee as h igh l igh ted by th i s

case . . . . . .”

26

7 1 . D a l a m k e s y a n g l a i n R H B B a n k B e rh a d v. R a m n a i n

Ta n i [ 2 0 0 6 ] 2 I L R , d i m a n a Ya n g M e n u n t u t t e l a h d i d a p a t i

s a l a h k e r a n a k e h i l a n g a n 4 2 c e k y a n g d i b a w a n y a d a r i M i n e s

S h o p p i n g F a i r S S O k e P u c h o n g , M a h k a m a h t e t a p m e n d a p a t i

Ya n g Me n u n t u t b e r s a l a h w a l a u p u n t i d a k me l i b a t k a n s e b a r a n g

k e r u g i a n :

[ 4 9] T h e f a c t t h a t t h e 4 2 c h e q u e s w e re c ro s s e d

c h e q u e s a n d t h e e a r l y d i s c o v e r y o f t h e l o s s h a d

p re v e n t e d t h e c o m m i s s i o n o f a n y f ra u d u l e n t a c t a n d

h e n c e n o m o n e t a r y l o s s , i s i r re l e v a n t . Th e m e n s re a

e l e m e n t i n t h e a c t o f t a m p e r i n g re n d e r s t h e

c l a i m a n t ' s m i s c o n d u c t e x t re m e l y s e r i o u s . B y t h e

na ture o f h i s job co l l ec t ing and despatch ing c lear ing

c h e q u e s t o b r a n c h e s o f t h e c o m p a n y, t h e c o m p a n y

had to have a cer ta in degree o f t rus t in the c la imant .

H o w e v e r, b y h i s m i s c o n d u c t t h a t i s n o l o n g e r

p o s s i b l e . T h e t r u s t a n d c o n f i d e n c e re p o s e d o n h i m

by the company, wi thout doubt , no longer subsisted.”

27

72 . Menga mbi lk i r a kesa l ahan Yang Menun tu t dan

be rpandukan kepada ke s -kes yang d ike mukakan o l eh kedua -

dua pegua m y ang b i j aksana Mahk a ma h in i me mutu skan

bahawa Yang Menun tu t t e l ah d ibuang ker j a a t a s a l a san yang

ad i l dan sebab y ang sah dan dengan i t u men o lak tun tu t an

Yang Menun tu t .

DIPERTURUNKAN PADA 1 NOVEMBER 2012.

(HAMDAN BIN INDAH)PENGERUSI

MAHKAMAH PERUSAHAAN MALAYSIAKUALA LUMPUR

28