He would also submit that in these sort of cases where the customers have the contact with the Bank, the customers need not be involved in enquiry, and he would rely upon Executive Committee, SBH, Hyderabad vs. D. Dhaneswara Rao (1996(2) LLJ 272). He would also submit that when the Disciplinary Authority agrees with the Enquiry Officer, it is not necessary for the Disciplinary Authority to go into and discuss each and every minute points while passing the final orders.