Tyagrajan, AGM as well as the General Secretary to the Board. 10. At this stage, we may note that according to the prosecution, the usual procedure followed by the Bank at the relevant time was that credit proposals were processed by the Branch and submitted to the zonal office. After the recommendation of the zonal office, the proposals were examined by the Credit Department in the Head Office. The Memorandum duly signed was used to be placed before the Loan Advisory Group of six General Managers. The loan proposals were thereafter presented before the Management Criminal Appeal No. 2891 of 2023 Page 7 of 11Committee, comprising the Chairman and Managing Director, whole-time Directors, RBI Nominee Director, and 3 other directors, including at least 2 independent directors, one of them being chairman of the Audit Committee. The Memorandum placed before the Management Committee was prepared by the Bank's Credit Department and signed by the Deputy General Manager (Credit) and General