Section 6(15) in Punjab National Bank Officer Employees’ (Discipline & Appeal) Regulations, 1977
(15)When the case in support of the charges is closed, the officer employee may be required to state his defense, orally or in writing, as he may prefer. If the defense is made orally it shall be recorded and the officer employee shall be required to sign the record. In either case a copy of the statement of defense shall be given to the Presenting Officer, if any, appointed.
