Human Error
a. Error on client's side/bank teller's side (e.g. discrepancy on amount given versus actual deposit).
b. Incorrect information given by client (e.g. wrong account number).
c. Incomplete information submitted by client.
System Error
a. Computer-related problems (e.g. systems upgrade, computer crash, corrupted/deleted files).
b. Unstable power supply
Technical Problem
Bank is offline (whether branch, head office or on a nationwide basis).
Anti-Money Laundering Law
Hold Transaction Requests, Anti Money Laundering Requirements
Unavoidable Circumstances
a. Natural Calamities (typhoon, storm, heavy rain, flash flood, earthquake etc).
b. Nationwide Blackout
c. Political Chaos (Government is in a state of emergency)