i think that the bank employee doesn't have full knowledge about loans. the PM had said that only he has the power to provide 0% loan. then how the bank employees had sanctioned the loan of RNM. it means that the employees had thought that they have power to provide loan @0%. but there is big mistake of RNM because if he wanted loan he should contact the senior officer of bank or branch manager(loan).his second big mistake was why he had given more cheques to bank.sothere is lack of knowledge and communication
