Najib's account was first individual account created with code name - Witness

Joanna Yu Ging Ping, 51, a former relationship manager at the bank, said Najib's personal bank account ending with 694 was given the code name AmPrivate Banking - MR and the idea of using the code name was both a request and suggestion by fugitive businessman, Low Taek Jho or Jho Low.

"Jho Low also requested that this account be classified as 'strictest confidence', where it was not easy to reveal Datuk Seri's personal name to anyone, or anyone who had access to the account system at the bank's branch.

"I recall being informed by former AmBank managing director, Cheah Tek Kuang that this matter (code name) had been informed to the Governor of Bank Negara Malaysia at that time.

"I would like to mention here that in all my dealings with private clients, this was the first time that an individual account had been created with a code name," said Yu, adding that normally, code names were only assigned to certain corporate project accounts.

Earlier, the 41st prosecution witness testified that sometime in 2011, Jho Low informed her that Najib was keen to open accounts with AmBank and Cheah should meet with the former premier to facilitate the opening of the accounts.

"Following the meeting that Cheah had with Datuk Seri Najib on opening the accounts, I received the signed account opening forms from Cheah and passed them to the AmBank division to be processed.

"In relation to the opening of these accounts, I did not deal directly or meet with Datuk Seri Najib himself. For all matters relating to Datuk Seri's accounts, I dealt with Jho Low and later I dealt with former 1Malaysia Development Berhad (1MDB) chief investment officer, Nik Faisal Ariff Kamil after receiving a mandate letter from Datuk Seri Najib, listing Nik Faisal as his representative with the bank regarding his personal bank accounts," said Yu.

Reading her witness statement at Najib's trial involving the misappropriation of RM2.3 billion from 1MDB, Yu further said that any instruction from Nik Faisal was taken as the instruction of Najib.

"This mandate letter only allowed Nik Faisal the authority to direct the transfer of funds between the accounts of Datuk Seri Najib but he had no authority and could not make any transaction to any third-party account or any cash withdrawal.

"All instructions relating to third party payments, transfers and all cheques drawn from Najib's account could only be authorised with Najib's signature," she said.

Najib, 69, is facing four charges of using his position to obtain bribes totalling RM2.3 billion from 1MDB funds and 21 charges of money laundering involving the same amount.

The trial before judge Datuk Collin Lawrence Sequerah continues on Nov 7.