GHANA COMMERCIAL BANK LTD. HIGH STREET, ACCRA vs. THE COMMISSIONER, CHRAJ OLD PARLIAMENT HOUSE, ACCRA. [2003]DLSC2387

GHANA COMMERCIAL BANK LTD. HIGH STREET, ACCRA vs. THE COMMISSIONER, CHRAJ OLD P... [2003]DLSC2387

Date	2003-01-29
Suit No.	CIVIL APPEAL NO. 11/2002
Citation No.	[2003]DLSC2387

AMPIAH J.S.C. (PRESIDING)

ATUGUBA J.S.C

MRS. WOOD J.S.C

BROBBEY J.S.C

BADDOO J.S.C.

A.T. TAMAKLOE FOR GHANA COMMERCIAL BANK WITH WILLIAM CHUMBUI

E.K. OFOSU QUARTEY FOR THE RESPONDENT.

<p class="mb-5" id="contentDlCitation"  hidden>[2003]DLSC2387</p>
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													<main id="main" class="content" style="min-height: 60rem" ><span style="font-size: 18px !important;"><span style="font-size: 18px !important;"><p class="MsoNormal" align="center" style="margin-bottom: 7.5pt; text-align: center; line-height: 15.55pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span lang="en-GH" style="font-size:
12.0pt;font-family:&quot;Book Antiqua&quot;,serif;mso-fareast-font-family:&quot;Times New Roman&quot;;
mso-bidi-font-family:&quot;Times New Roman&quot;;color:#00B0F0;mso-fareast-language:#0C00">GHANA
COMMERCIAL BANK LTD.&nbsp; HIGH STREET, ACCRA</span></b><span lang="en-GH" style="font-size:13.5pt;font-family:&quot;Helvetica Neue&quot;,serif;mso-fareast-font-family:
&quot;Times New Roman&quot;;mso-bidi-font-family:&quot;Times New Roman&quot;;color:#00B0F0;
mso-fareast-language:#0C00"><o:p></o:p></span></p><p class="MsoNormal" align="center" style="margin-bottom: 7.5pt; text-align: center; line-height: 15.55pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span lang="en-GH" style="font-size:
12.0pt;font-family:&quot;Book Antiqua&quot;,serif;mso-fareast-font-family:&quot;Times New Roman&quot;;
mso-bidi-font-family:&quot;Times New Roman&quot;;color:#00B0F0;mso-fareast-language:#0C00">vs.</span></b><span lang="en-GH" style="font-size:13.5pt;font-family:&quot;Helvetica Neue&quot;,serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:&quot;Times New Roman&quot;;
color:#00B0F0;mso-fareast-language:#0C00"><o:p></o:p></span></p><p class="MsoNormal" align="center" style="margin-bottom: 7.5pt; text-align: center; line-height: 15.55pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span lang="en-GH" style="font-size:
12.0pt;font-family:&quot;Book Antiqua&quot;,serif;mso-fareast-font-family:&quot;Times New Roman&quot;;
mso-bidi-font-family:&quot;Times New Roman&quot;;color:#00B0F0;mso-fareast-language:#0C00">THE
COMMISSIONER, CHRAJ OLD PARLIAMENT HOUSE, ACCRA.</span></b><span lang="en-GH" style="font-size:13.5pt;font-family:&quot;Helvetica Neue&quot;,serif;mso-fareast-font-family:
&quot;Times New Roman&quot;;mso-bidi-font-family:&quot;Times New Roman&quot;;color:#00B0F0;
mso-fareast-language:#0C00"><o:p></o:p></span></p><p class="MsoNormal" align="center" style="margin-bottom: 7.5pt; text-align: center; line-height: 15.55pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span lang="en-GH" style="font-size: 10pt; font-family: &quot;Book Antiqua&quot;, serif;">[SUPREME
COURT</span><span lang="EN-US" style="font-size: 10pt; font-family: &quot;Book Antiqua&quot;, serif;">, ACCRA</span><span lang="en-GH" style="font-size: 10pt; font-family: &quot;Book Antiqua&quot;, serif;">]</span><span lang="en-GH" style="font-size: 10pt; font-family: &quot;Helvetica Neue&quot;, serif;"><o:p></o:p></span></p><div style="border-top: none; border-right: none; border-left: none; border-image: initial; border-bottom: 1.5pt solid windowtext; padding: 0cm 0cm 1pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">

<p class="MsoNormal" align="center" style="margin-bottom: 7.5pt; text-align: center; line-height: 15.55pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; border: none; padding: 0cm;"><span lang="en-GH" style="font-size: 10pt; font-family: &quot;Book Antiqua&quot;, serif;">CIVIL APPEAL NO.
11/2002&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span lang="EN-US" style="font-size: 10pt; font-family: &quot;Helvetica Neue&quot;, serif;">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</span><span lang="en-GH" style="font-size: 10pt; font-family: &quot;Book Antiqua&quot;, serif;">DATE:&nbsp;29TH
JANUARY, 2003.<o:p></o:p></span></p>

<p class="MsoNormal" style="margin-bottom: 7.5pt; text-align: justify; line-height: 15.55pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; border: none; padding: 0cm;"><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;">E.K. OFOSU QUARTEY FOR THE RESPONDENT.<o:p></o:p></span></p>

</div><p class="MsoNormal" style="margin-bottom: 7.5pt; text-align: justify; line-height: 15.55pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;">BROBBEY, J.S.C.:</span><span lang="en-GH" style="font-size: 13.5pt; font-family: &quot;Helvetica Neue&quot;, serif;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 7.5pt; text-align: justify; line-height: 15.55pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;">The facts that gave
rise to this appeal are as follows; the appellant, the Ghana Commercial Bank,
employed the complainant for some twenty-one years. In 1984, his appointment
was terminated at a time when he was a manager of the bank. The reason for the
termination was that he had contravened the regulations of the bank by granting
a loan facility of six million and seven hundred thousand Cedis to a customer
of the bank without prior approval from its head office. In addition to
terminating the appointment, the appellant withheld the entitlements of the
complainant until such time that the customer would pay the loan.</span><span lang="en-GH" style="font-size: 13.5pt; font-family: &quot;Helvetica Neue&quot;, serif;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 7.5pt; text-align: justify; line-height: 15.55pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;">According to the
complainant, he granted the facility in the normal course of business and after
he had satisfied himself of the customer’s assets, the purpose for the loan and
the viability of the customer’s business; the loan was also secured with assets
of the customer worth twenty -five million Cedis.</span><span lang="en-GH" style="font-size: 13.5pt; font-family: &quot;Helvetica Neue&quot;, serif;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 7.5pt; text-align: justify; line-height: 15.55pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span lang="en-GH" style="font-size: 12pt; font-family: &quot;Book Antiqua&quot;, serif;">Dissatisfied with the
action taken against him, the complainant petitioned the Commissioner for Human
Rights and Administrative Justice for redress.</span><span lang="en-GH" style="font-size: 13.5pt; font-family: &quot;Helvetica Neue&quot;, serif;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 7.5pt; text-alig</main>