SURESH PATHRELLAversusORIENTAL BANK OF COMMERCE
- Citation
- 2006 INSC 726
- Decided
- 19 October 2006
- Disposal
- Dismissed
- Bench
- H K SEMA
Holding
A disciplinary dismissal for misappropriation is valid even without proven loss or a criminal conviction, provided the enquiry adhered to natural justice and the officer acted beyond his authority, as the departmental standard of proof is lower than that in criminal trials.
Summary
The appellant, a Chief Manager of Oriental Bank of Commerce, was dismissed after an enquiry found him guilty of misappropriating Rs.10 lakh by opening a fraudulent account and transferring the funds to three third parties. The appellant challenged the dismissal, arguing that no loss was suffered by the bank, the criminal case against him was closed as unfounded, and that the enquiry violated natural justice by not providing the handwriting expert report. The Supreme Court held that the findings of the disciplinary authority were correct, emphasizing that the standard of proof in departmental proceedings (preponderance of probabilities) differs from that in criminal trials (beyond reasonable doubt) and that an acquittal does not bar disciplinary action. It also found that the enquiry complied with natural justice, as the appellant was given cross‑examination opportunities and even requested the handwriting expert report, which confirmed the witness's statement. Consequently, the Court affirmed that acting beyond authority under Regulation 3(1) constitutes misconduct warranting dismissal, irrespective of actual loss, and dismissed the appeals.
Issues considered
- The validity of judicial review of a disciplinary dismissal when the bank suffered no loss and the officer was acquitted in criminal proceedings.
- Whether the standard of proof in disciplinary proceedings differs from that in criminal cases and if an acquittal bars disciplinary action.
- Whether the enquiry complied with principles of natural justice, including the right to cross‑examine and access expert reports.
- Whether misappropriation of funds without actual loss still amounts to misconduct under Regulation 3(1) of the Bank's Conduct Regulations.
- Whether loss of confidence in a bank officer justifies dismissal absent malafide intent or procedural unfairness.
Legislation cited
- Indian Penal Code, 1860s. 406, s. 420
Subjects
Judgment
A SURESH PATHRELLA
v.
ORIENTAL BANK OF COMMERCE
OCTOBER 19, 2006
B [H.K. SEMA AND P.K. BALASUBRAMANY AN, JJ.]
Service law:
Termination-Misappropriation offunds of customer by Bank Officer-
Dismissal after giving opportunity to cross-examine the witness and obtaining
C opinion of handwriting expert-Challenge against-Held, judicial review
not warranted as dismissal not tainted with ma/a fides nor in violation of
principle of natural justice-Officer had acted beyond his authority in breach
of Bank's Regulation-It is a case of loss of confidence in officer by Bank-
Fact that no loss caused to bank not a ground to take lenient view for proved
misconduct-Administrative law-Judicial review-Oriental Bank of
D Commerce Officer Employees (Conduct) Regulations, 1982-Regulation 3(1).
Disciplinary proceeding vis-a-vis criminal trial-Acquittal in criminal
case would not negate the findings in disciplinary proceeding, as standard
of proof is different in both-Criminal trial.
E The appellant was a Chief Manager of the Respondent-Bank. A charge
sheet was filed against him on the ground of misappropriation of funds of a
customer of the Respondent-Bank. The charge-sheet stated that the
Respondent-Bank had received a Pay Order of Rs. I 0 lacs sent by one party
in favour of Customer 'G' for crediting it.to his account. The appellant with
p malafide intention opened a saving account in the name of 'G' who already
had a saving account and credited the proceeds to the newly opened account.
Thereafter, appellant with his own handwriting signed some vouchers
transferring Rs. IO lacs to three parties. The new account was closed on the
same day.
G Enquiry Officer found him guilty. Disciplinary Authority accepted the
finding of Enquiry Officer and dismissed appellant from service. Appellant
filed writ petition before the High Court. Single Judge held that the Bank
had not suffered any loss and that the main allegation of misappropriation of
Rs.IO lacs was the crux in both departmental proceedings and the criminal
H SM
SU RESH PA TH RELLA r. ORIENTAL BANK OF COMMERCE 565
charge and that the police after investigation had closed the case as unfounded, A
therefore, nothing substantial remained in the matter for proceedings against
the appellant. On appeal, Division Bench of High Court held that the transfer
of funds to the credit of three parties without any instruction from the
.• beneficiary amounts to misappropriation of funds and showed lack of devotion
to duty and integrity on the part of the appellant. Hence the present appeal. B
Dismissing the appeals, the Court
HELD: 1. The findings recorded by the Single Judge are fallacious.
This Court has taken the view consistently that acquittal in a criminal case
would be no bar for drawing up a disciplinary proceeding against the delinquent C
officer. The yardstick and standard of proof in a criminal case is different
from the disciplinary proceeding. While the standard of proof in a criminal
case is a proof beyond all reasonable doubt, the proof in a departmental
proceeding is preponderance of probabilities. 1570-C-D]
2.1. It is not the case of the appellant that the enquiry has been D
conducted without affording an opportunity to him or behind his back and
thereby violated the principles of natural justice. 1570-D]
2.2. The appellant after obtaining adverse statement against him in
cross-examination did not further cross-examine 'G' by confronting him with
the alleged signature of 'G'. At the close of the enquiry, the appellant himself E
requested the enquiry officer to obtain the opinion of a handwriting expert. It
was done by him to test the denial of the statement of'G' in cross-examination.
The report so obtained confirmed the statement of 'G' in cross-examination.
The appellant could not impeach the statement of 'G' in cross-examination
that he never gave any letter of authority for transfer of funds from one account
to another account. He had never issued any receipt of Rs.10 lacs towards F
the disposal of any property to Mis Morada bad Builders. The appellant has
accepted the statement of 'G '. The handwriting expert confirmed the statement
of 'G' in cross-examination. No prejudice, whatsoever, has been caused to the
appellant by non-furnishing of the copy of the handwriting expert confirming
the statement of 'G' in cross- examination. There is no allegation of malafides, G
bias or violation of principles of natural justice. 1570-H; 571-A-B]
Narinder Mohan Arya v. United India Insurance Co. Ltd, JT (2006) 4
SC 404, distinguished.
Sohan Singh v. Union of India, AIR (1984) SC 498, referred to. H
566 SUPREME COURT REPORTS (2006] SUPP. 7 S.C.R.
A 3.1. The Regulation 3(1) of the Oriental Bank of Commerce Officer
Employees (Conduct) Regulations, 1982 ensures that every officer shall at
all times take all possible steps to protect the interests of the bank and
discharge his duties with utmost integrity, honesty, devotion and diligence
and do nothing which will be unbecoming of a bank officer. Such regulations ...
are made to instil the public confidence in the bank so that the interests of
B customers/depositors are well safeguarded. In such a situation the fact that
no amount was lost to the bank would be no ground to take a lenient view for
the proved misconduct ofa bank officer. (572-F-GI
Discip/inaiy Authority-cum-Regional Manager v. Nikunja Bihari
C Patnaik, 1199619 SCC 69; Regional Manager, fJ P.SRTC. v. Hoti Lal, (2003)
3 SCC 605 and Chairman and Managing Director, United Commercial Bank
v. P.C. Kakkar, 12003) 4 SCC 364, referred to.
3.2. In the present case the appellant acted beyond his authority in
breach of bank's Regulation. It is a case of loss of confidence in the officer
D by the bank. In such a situation, it would be a futile exercise of judicial review
to embark upon the decision of the disciplinary authority removing the officer
from service, preceded by an enquiry, and to direct the bank to take back the
officer in whom the bank has lost confidence, unless the decision to remove
the officer is tainted with malafide, or in violation of principles of natural
justice and prejudice to the officer is made out. No such case is made out in
E the present case. 1573-G-H; 574-A-B)
CIVIL APPELLATE JURISDICTION: Civil Appeal No. 4573 of2006.
From the final Ju?gment and Order dated 7.12.2005 of the High Court
of Delhi at New Delhi in L.P.A. Nos. 1168-1169 of2005.
F
Dinesh Dwivedi, Manoj K. Shanna, Sanjay Visen, Amit Yadav, Anju
Sheela and Anish Kumar Gupta for the Appellant.
R.K. Jain, Jagat Arora, Rajat Arora, Shikha Sapra, Rahul Aggarwal,
Mohd. Fuzail Khan and Rajiv Nanda for the Respondent.
G
The Judgment of the Court was delivered by
H.K. SEMA, J. Leave granted.
The challenge in these appeals is to the order dated 7.12.2005 passed
H
SURESH PATHRELLA v. ORIENTAL BANK OF COMMERCE [HK. SEMA, J.] 567
by the Division Bench of the High Court of Delhi, whereby the appeal A
preferred by the respondent-bank was allowed by setting aside the order
dated 28.4.2005 of the learned Single Judge passed in W.P. (C) No.6805 of
2002.
We have heard the parties.
B
The appellant was appointed by the respondent-bank as Officer Grade
Scale-I. Thereafter, he was promoted to Officer Grade Scale-II, Scale-III and
Scale-IV. At the relevant time, he was working as Chief Manager at Gurgaon
branch of the respondent-bank.
By an order dated 23.12.1995, the appellant was placed under suspension C
in contemplation of the drawing up of the disciplinary proceedings. By the
memorandum dated 20th August, I998 he was served with the charge memo
on the ground that he has violated Regulation 3(1) of Oriental Bank of
Commerce Officer Employees (Conduct) Regulations, I982 (in short "the
Regulations, I982"). D
The statements of imputation of misconduct in respect of article of
charge framed against the appellant are as follows:-
"Sh. Suresh Pathrella, Chief Manager (under suspension) while posted
and functioning as Incumbent-in-charge at BIO Gurgaon had E
misappropriated an amount of Rs. I 0.00 lac of a customer namely
Sh.G.C. Luthra without his authority/consent.
On 27.1. I994, one party of BIO, Saket, New Delhi namely Mis
Moradabad Builders Pvt. Ltd., had sent a Pay Order No.536966/128/
94 of Rs. I0.00 lacs in favour ofSh.G.C. Luthra to our BIO Gurgaon F
for crediting to his account . Sh.Suresh Pathrella while functioning as
Incumbent-in-Charge at BIO. Saket,New Delhi with an endorsement to
the effect that 'Payee's account will be credited on realisation' and
also instructed vide his letter dated 27. I .94 to issue TPO in favour of
Sh.G.C.Luthra for the proceeds. Accordingly, a TPO No.153935/22/94
dated 28.1.94 for Rs. I0.00 lac favouring Sh.G.C. Luthra was issued and G
sent by BIO Saket to BIO Gurgaon. On 29.1.94, Sh. Suresh Pathrella
opened a new saving bank account No.13392 with the malafide intention
in the name ofShri G.C.Luthra without obtaining any account opening
form and without the consent/authority of Sh.G.C.Luthra who was
already maintaining his saving bank account No.12154 at BIO. Gurgaon H
568 SUPREME COURT REPORTS [2006] SUPP. 7 S.C.R.
A since January, 1993. The proceeds of the said instrument amounting
to Rs. I 0.00 lac was credited to newly opened-saving bank account
No.13392 of Sh.Luthra and Sh.Suresh Path re Ila himself with his own
hand writing prepared and signed following three transfer vouchers
by debiting Rs. I0.00 lacs to the said account on the same day i.e. on
29 .1.1994 without any authority;
B
(a) Rs.2.00 lac transferred to Cash Credit AIC of Mis. M.K.Fertilizers.
(b) Rs.3.00 lac transferred to current Account No.1408 of Mis.
Maharishi Aurvedic Corporation.
(c) Rs.5.00 lac transferred to Cash Credit Account of Mis. Agro
c Chemicals.
Thereafter the newly opened saving bank account No.13392 was
closed on the same day leaving nil balance. Thus, Sh.Suresh
Pathrella had misappropriated an amount ofRs.10.00 lac without
the consent and authority of the beneficiary. By his above acts
D Sh.Suresh Pathrella has violated Regulation 3(1) of Oriental Bank
of Commerce Officer Employees (Conduct) Regulations, 1982
which is punishable under Officers' Discipline and Appeal
Regulations."
An Enquiry Officer was appointed, who submitted a Report that the
E charge is proved. The disciplinary authority accepted the findings of the
Enquiry Officer and the appellant was removed from service by an order dated
28.5.1998. Aggrieved thereby, the appellant challenged the order by filing Writ
Petition. The learned Single Judge was of the view that the main allegation
of misappropriation of Rs. I0 lacs is unfounded and the amount actually went
p to the account of the Bank to be set off against overdrafts of the three firms.
In other words, no loss thereby was occasioned to the Bank. He was further
of the view that the main allegation of misappropriation of Rs.IO lacs was the
crux in both departmental proceedings and the criminal charge and that the
Gurgaon pol ice after investigation has closed the case as unfounded before
the CJM, Gurgaon, therefore, nothing substantial remains in the matter for
G proceedings against the appellant. The learned Single Judge was of the view
that the argument of the Bank that departmental proceedings and the criminal
case are different does not hold good and his removal from service was
incorrect.
The Division Bench of the High Court pointed out that on 27 .1.1994 one
H
SURESH PA THRELLA r. ORIENTAL BANK OF COMMERCE (HK SEMA, J.] 569
... party, namely, M/s. Moradabad Builders Pvt. Ltd. had sent a pay order of A
Rs. I 0.00 lacs to Shri G.C. Luthra to the branch office Gurgaon for crediting
it to his account. The appellant while working as Chief Manager at Gurgaon
branch of the respondent-bank sent the said pay order to the branch office
Saket, New Delhi, with an endorsement to the effect that payee's account will
be credited on realization and also instructed vide his letter dated 27.1.1994
to issue TPO in favour of Shri G.C. Luthra for the proceeds. Accordingly, a B
TPO No.153925/22/94 dated 28.1.1994 for Rs.10.00 lacs favouring Shri G.C.
Luthra was issued and sent by branch office Saket to branch office Gurgaon
on 29.1.1994 and the appellant opened a saving bank account No.13392 with
malafide intent in the name ofShri G.C.Luthra without obtaining his authority
and consent. Shri G.C. Luthra was already having a saving bank account C
No.12154 at the branch office Gurgaon since 1993. The proceeds amount of
Rs. I 0.00 lacs was credited to the newly opened saving bank account No.13392
of Shri G.C. Luthra and the appellant himself prepared and signed three
transfer vouchers and debited Rs.10.00 lacs from the said account on 29.1.1994
without any authority from Shri G.C. Luthra. It was also pointed out that the
saving bank account No.13392 was closed on the same day leaving a nil D
balance. It is in these circumstances, the Division Bench was of the opinion
that the transfer of amounts to the credit of three parties without any instruction
from the beneficiary amounts to misappropriation of funds and, in any event,
it was a grave irregularity in financial transactions indulged in by the appellant.
It was also pointed out that the appellant had been indulging in all sorts of E
irregularities, v. hich were totally inconsistent with his duties as a bank officer.
The Division Bench held that the factum of crediting the proceeds of the pay
order to a newly opened saving bank account of Shri G.C.Luthra without his
consent or authority and thereafter withdrawing the same and transferring
into three different accounts shows lack of devotion to duty and integrity on
the part of the appellant. F
The Division Bench further said that Shri G.C.Luthra appeared as a
witness before the Enquiry Officer. The appellant was given an opportunity
to cross-examine Shri G.C.Luthra. In his complaint dated I 0.1.1996 he denied
his signature on the letter dated 27.1.1994. The Division Bench was of the G
view that all these disputed questions of fact have been considered by the
disciplinary authority and the reviewing authority and it is not open to the
Court in writ jurisdiction to interfere with the findings of fact. The Division
Bench was of the view that the subsequent statements made by Shri G.C.
Luthra in criminal cases would have no bearing on the concluded inquiry
H
570 SUPREME COURT REPORTS [2006] SUPP. 7 S.C.R.
A against the appellant. ,.
It was also brought to the notice of the Division Bench that there are
three other criminal cases pending against the appellant being RCl(E)/97 SIU
(X), RC 2(E)/96-SIU(X) and RC6(E)/96 SIU(X) where the amount of loss
involved to the bank is stated to be Rs.1.64 crores, Rs.1.77 crores and Rs.2.55
B crores, respectively.
In our view, the findings recorded by the learned Single Judge are
fallacious. This Court has taken the view consistently that acquittal in a
criminal case would be no bar for drawing up a disciplinary proceeding
C against the delinquent officer. It is well settled principle of law that the
yardstick and standard of proof in a criminal case is different from the
disciplinary proceeding. While the standard of proof in a criminal case is a
proof beyond all reasonable doubt, the proof in a departmental proceeding
is preponderance of probabilities.
D It is not the case of the appellant that the enquiry has been conducted
without affording an opportunity to the appellant or behind the back of the
appellant and thereby violated the principle of natural justice. It is, however,
contended by the counsel for the appellant that the opinion of hand writing
expert in respect of the complainant-Ge Luthra said to have been procured
by the Enquiry Officer after the enquiry was closed had not been furnished
E to the appellant, despite request and, therefore, a reasonable opportunity has
been denied to him.
Mr.G.C.Luthra went to the box as PW-2. He denied to have received the
amount of Rs.IO lacs. In.cross-examination he denied to have given any letter
of authority for transfer of funds from one account to another account. He
F also denied to have issued any receipt for Rs. I0 lacs towards the disposal
of any property to Mis Moradabad Builders. Mr. G.C.Luthra in cross-
examination further denied that he either collected the TPO for Rs.IO lacs or
gave instructions to the appellant for crediting to various accounts. The
appellant after obtaining adverse statement against him in cross-examination
G did not further cross-examine Mr. G.C.Luthra by confronting him with the
alleged signature of Mr.G.C.Luthra. At the close of the enquiry, the appellant
himself requested the enquiry officer to obtain the opinion of a handwriting
expert. It was done by him to test the denial of the statement of Mr. G.C.Luthra
in cross-examination. The report so obtained confinned the statement of
Mr.G.C.Luthra in cross-examination. The appellant could not impeach the
H statement ofMr.G.C.Luthra in cross-e)<amination that he never gave any letter
- SURESHPATHRELLAv. ORIENTALBANKOFCOMMERCE[H.K. SEMA,l]
of authority for transfer of funds from one account to another account. He
had never issued any receipt of Rs. I0 lacs towards the disposal of any
571
A
property to M/s Moradabad Builders. The appellant has accepted the statement
of Mr.G.C.Luthra. The handwriting expert confirmed the statement of Mr.
G.C.Luthra in cross-examination. No prejudice, whatsoever, has been caused
to the appellant by non-furnishing of the copy of the handwriting expert B
confirming the statement of Mr.G.C.Luthra in cross- examination. There is no
allegation of malafides, bias or violation of principles of natural justice, which
has been brought to our notice.
The next contention of counsel for the appellant is that the Board has
decided the memo filed by the appellant without considering the subsequent C
events. According to him, the disclosure statement made by Mr. G.C.Luthra
subsequently on 19.7.2001 under Section 406/420 IPC should have been
considered. This contention deserves to be rejected outright. The disciplinary
enquiry was completed on 3.2.1998. The appellant was removed from service
by an order dated 28.5.1998. In the alleged disclosure statement made on
19.7.2001 under Section 406/420 IPC Mr.G.C.Luthra is seen to have stated that D
he got a typed letter issued to the Senior Manager, Oriental Bank of Commerce
to open a new saving bank account and credited in that new bank account
the amount of Rs. I0 lacs.
Counsel has referred to the decision of this Court in Sohan Singh v.
Union of India, AIR (1984) SC 498. In that case, the appellant was accused E
in a criminal case and was likely to be convicted of the charge of theft and
on that ground he was discharged considering him to be unsuitable.
Subsequently, he was acquitted of the charge of theft and in that connection
this Court held that he was entitled to be compensated by a lump sum amount
in lieu of the benefits to which he would have been otherwise entitled, had F
he continued in service for the extended period of 6 .years.
He has also referred to the decision of this Court rendered in Narinder
Mohan Arya v. United India Insurance Co. Ltd, JT (2006) 4 SC 404. In that
case, the appellant was an employee of insurance company. The disciplinary
proceeding was initiated against him on the ground of antedating an insurance G
cover, which was decided against him. His appeal was dismissed by the
appellate authority. The firm whose goods were destroyed in fire filed a suit
against the insurance company impleading the appellant as a defendant. The
Trial Court decreed the suit holding that there was no antedating of the cover
note. The appeal filed by the insurance company was dismissed by the High H
Court. Thereafter, the matter attained finality, since no further appeal was
572 SUPREME COURT REPORTS [2006] SUPP. 7 S.C.R.
A preferred by the insurance company. It is in that given facts this Court held
that the Managing Director when approached by the appellant ought to have
applied his mind to the subsequent event namely the decision of the civil
court rendered in the suit filed by th<: finn. It is in these circumstances, this
Court was of the view that since the proceedings were initiated as late as in
B 1976, instead of remitting the matter to the disciplinary authority, the appellant
was directed to be reinstated with only 50 per cent of back wages. The facts
of that case are distinguishable from the facts of the present case. In the
present case there was no such civil suit filed in which the decree was passed
in favour of the appellant. This decision, therefore, would be of no help to
the appellant.
c The third contention of the appellant is that the charge as framed was
for misappropriation of Rs. I 0 lacs. But during the enquiry misappropriation
of Rs. I 0 lacs was not established and in fact no loss was occasioned to the
bank thereby. Therefore, the punishment of removal is disproportionate to the
offence charged and proved.
D
It will be noticed that the appellant was charged for the alleged violation
of Regulation 3( I) of the Regulations, 1982. Regulation 3(1) reads:
"Every officer employee shall, at all times take all possible steps to
ensure and protect the interests of the bank and discharge his duties
E with utmost integrity, honesty, devotion and diligence and do nothing
which is unbecoming of a bank officer".
The Regulation ensures that every officer shall at all times take all possible
steps to protect the interests of the bank and discharge his duties with utmost
integrity, honesty, devotion and diligence and do nothing which will be
F unbecoming of a bank officer. Such regulations are made to instill the public
confidence in the bank so that the interests of customers/depositors are well
safeguarded. In such a situation the fact that no amount was lost to the bank
would be no ground to take a lenient view for the proved misconduct of a
bank officer.
G In Disciplinary Authority-cum-Regional Manager v. Nikunja Bihari
Patnaik, [ 1996] 9 SCC 69 this Court held that a bank officer's acting beyond
his authority constituted misconduct and no further proof of loss is necessary.
In the case of Regional Manager, U.P.SRTC. v. Hali Lal, [2003] 3 SCC
H 605, this Court held in paragraph I 0 at sec p.614 as under:
SURESH PATHRELLA v. ORIENTAL BANK OF COMMERCE [HK SEMA, J.] 573
-- "If the charged employee holds a position of trust where honesty and A
integrity are inbuilt requirements of functioning, it wou Id not be proper
to deal with the matter leniently. Misconduct in such cases has to be
dealt with iron hands. Where the person deals with public money or
• is engaged in financial transaction or acts in a fiduciary capacity, the
highest degree of integrity and trust-worthiness is a must and B
unexceptionable. Judged in that background, conclusions of the
Division Bench of the High Court do not appear to be proper. We set
aside the same and restore order of the learned Single Judge upholding
order of dismissal".
In the case of Chairman and Managing Director, United Commercial C
Bank v. P.C.Kakkar, [2003] 4 SCC 364, this Court said in paragraph 14 at SCC
p.376 as under:
"A Bank officer is required to exercise higher standards of honesty
and integrity. He deals with the money of the depositors and the
customers. Every officer/employee of the Bank is required to take all D
possible steps to protect the interests of the Bank and to discharge
his duties with utmost integrity, honesty, devotion and diligence and
to do nothing which is unbecoming of a Bank officer. Good conduct
and discipline are inseparable from the functioning of every officer/
employee of the Bank. As was observed by this Court in Disciplinary
Authority-cum-Regional Manager v. Nikunja Bihari Patnaik, [1996] E
9 SCC 69. It is no defence available to say that there was no loss or
profit resulted in case, when the officer/employee acted without
authority. The very discipline of an organization more particularly a
Bank is dependent upon each of its officers and officers acting and
operating within their allotted sphere. Acting beyond one's authority F
is by itself a breach of discipline and is a misconduct. The charges
against the employee were not casual in nature and were serious.
These aspects do not appear to have been kept in view by the High
Court".
In the present case the appellant acted beyond his authority in breach G
of bank's Regulation. Regulation 3(1) of the bank's Regulation required that
every officer of the bank at all times take all possible steps to protect the
interest of the bank and discharge his duties with utmost integrity, honesty,
devotion and diligence and do nothing which will be unbecoming of a bank
officer. It is a case of loss of confidence in the officer by the bank. In such
H
574 SUPREME COURT REPORTS [2006) SUPP. 7 S.C.R.
A a situation, it would be a futile exercise of judicial review to embark upon the
decision of the disciplinary authority removing the officer from service,
-
preceded by an enquiry, and to direct the bank to take back the officer in
whom the bank has lost confidence, unless the decision to remove the officer
is tainted with ma/afide, or in violation of principles of natural justice and
B prejudice to the officer is made out. No such case is made out in the present
case.
In the result, these appeals being devoid of merits are, accordingly,
dismissed. There will be no order as to costs.
D.G. Appeals dismissed.
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