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ii)     V. Samudhra Pandian:  
        14      V. Samudhra Pandian is the holder of Savings Bank A/c No.11115

and the savings account ledger relating to his account has been marked as Ex.P.5. On 25.07.2000, there is an entry for Rs.15,000/- in the savings account ledger (Ex.P.5). However, there is no corresponding entry in the savings supplementary register (Ex.P.6). The entry in the savings account ledger (Ex.P.5) has been marked as Q.80 by the Investigating Officer. N. Ravi (P.W.10), handwriting expert, in his evidence as well in his report (Ex.P.104), has opined that Q.80 which is the entry in the savings account ledger (Ex.P.5), has been made by the person who has given the sample handwritings S.1 to S.45 and also his admitted handwritings, A.1 to A.8 (Ex.P.103). Thus, this allegation has been established beyond doubt. 

iii)    R. Subbarayan: 
        15      R. Subbarayan is the holder of Savings Bank A/c No.7638 and the

savings account ledger relating to his account has been marked as Ex.P.7. On 25.08.2000, there is an entry for Rs.10,000/- in the savings account ledger (Ex.P.7). However, there is no corresponding entry in the scroll register (Ex.P.8) and savings supplementary register (Ex.P.9). The entry in the savings account ledger (Ex.P.7) has been marked as Q.45 by the Investigating Officer. N. Ravi (P.W.10), handwriting expert, in his evidence as well in his report (Ex.P.104), has opined that Q.45 which is the entry in the savings account ledger (Ex.P.7), has been made by the person who has given the sample handwritings S.1 to S.45 and also his admitted handwritings, A.1 to A.8 (Ex.P.103). Thus, this allegation has been established beyond doubt.

20.2 As for the second instance, on 02.05.2001, there is an entry for Rs.6,000/- in the savings account ledger (Ex.P.25) and pass book (Ex.P.28).

However, there is no corresponding entry in the scroll register (Ex.P.29) and savings supplementary register (Ex.P.30). The entry in the pass book (Ex.P.28) has been marked as Q.96 by the Investigating Officer. N.Ravi (P.W.10), handwriting expert, in his evidence as well in his report (Ex.P.104), has opined that Q.96 which is the entry in the pass book (Ex.P.28) has been made by the person who has given the sample handwritings S.1 to S.45 and also his admitted handwritings, A.1 to A.8 (Ex.P.103). Thus, this allegation has been established beyond doubt.

Second methodology, viz., withdrawal of money from the account of customers without their knowledge:

i) Subramaniam:

25 One Subramaniam is the holder of Savings A/c No.5741. The savings ledger account relating to his account and his pass book have been marked as Exs.P.40 and P.41 respectively. His specimen signature card available with the bank has been marked as Ex.P.39 which the Investigating Officer has marked as A.9. On 02.12.2000, a sum of Rs.25,000/- has been withdrawn from the account by withdrawal slip (Ex.P.37). The writings in the withdrawal slip (Ex.P.37) have been marked as Q.12 and the signature of the drawer on the front side and the rear side of the withdrawal slip (Ex.P.37) have been marked as Q.13 and 14 respectively by the Investigating Officer. However, there is no entry for the withdrawal of Rs.25,000/- either in the savings ledger account (Ex.P.40) or in the pass book (Ex.P.41). N.Ravi (P.W.10), handwriting expert, in his evidence as well in his report (Ex.P.104), has opined that Q.12, which are the writings in the withdrawal slip (Ex.P.37) are that of the person who had given the sample handwritings S.1 to S.45 and also his admitted handwritings, A.1 to A.8 (Ex.P.103). That apart, the signatures in the withdrawal slip marked as Q.13 and Q.14 do not tally with the admitted signature of Subramaniam in the specimen signature card (Ex.P.39). Further, Arunachalam (P.W.1) has clearly stated that the handwriting in the withdrawal slip (Ex.P.37) is that of the appellant. The token book maintained by the bank also shows that a sum of Rs.25,000/- has been withdrawn from the account of Subramaniam on 02.12.2000. Thus, this allegation has been established beyond doubt.