Ng Yok Kwang v CIMB BANK BERHAD

ja-22ncvc-46-04-2023 High Court (Mahkamah Tinggi) 2 March 2026 • JA-22NCvC-46-04/2023 • 23 min read

12 cases cited (1 SG, 11 foreign)

Catchwords

Banking law — Duty of care — Quincecare duty — Elderly preferred customer — Debit card fraud — ATM withdrawals and MEPS transfers over 14 consecutive days — Whether bank put on inquiry by unusual transaction pattern — Whether bank breached duty by failing to exercise fraud detection systems and contractual power to freeze account under Clause 21.1(iv) — Philipp v Barclays Bank UK Plc [2023] 3 WLR 284 distinguished — Bank's duty to honour mandate "save in extreme cases" — Fiduciary duty not arising in banker-customer relationship — BNM guidelines as subsidiary legislation not requiring specific pleading — Causation — Novus actus interveniens — Whether deceased's voluntary disclosure of PIN and surrender of debit card broke chain of causation — "But for" test — Contributory negligence — Apportionment at 40:60 under s.12 Civil Law Act 1956 — Failure to mitigate rejected — Adverse inference under s.114(g) Evidence Act 1950 declined — General damages dismissed for want of evidence — Judgment for Plaintiff at 60% of RM529,774.79

Judges (1)

Noradura binti Hamzah Delivered

Counsel (4)

Rahmat Lim & Partners Firm Thara Singh Sidhu & Kushvinder Firm Daphnne Awzhi Counsel Defendant MOB Zaimil Hasra Counsel Plaintiff

Parties (2)

CIMB BANK BERHAD Defendant Ng Yok Kwang Plaintiff

Statutes Cited

Companies Act 2016 (Cap 777)

Evidence Act 1950 (Cap 56)

Cases Cited (12)

SG (1)

[2011] SGCA 3

UK (2)

[1992] 4 All ER 363 [2023] 3 WLR 284

MY (9)

[2006] 5 MLJ 1 [2014] 2 CLJ 773 [2014] 7 MLJ 74 [2015] 8 CLJ 944 [2016] MLJU 1498 [2021] 3 CLJ 34 [2021] MLJU 645 [2022] MLJU 2090 [2026] 2 CLJ 733

Judgment

Read the full judgment on the official Malaysia Courts portal.

Read on eJudgment

Source: eJudgment (ja-22ncvc-46-04-2023)