You are working as an executive in a nationalized bank for several years. One day one of your close colleagues tells you that her father is suffering from heart disease and needs surgery to survive. She also tells you that she has no insurance and the operation will cost about Rs 10 lakh. You are also aware of the fact that her husband is no more and that she is from a lower middle class family. You are empathetic about her situation. However, apart from expressing your sympathy, you do not have the resources to fund her. A few weeks later, you ask her about the well-being of her father and she informs you about his successful surgery and that he is recovering. She then confides in you that the bank manager was kind enough to facilitate the release of 10 lakhs from a dormant account of someone to pay for the operation with a promise that it should be confidential and be repaid at the earliest. She has already started paying it back and will continue to do so until it is all returned.(a) What are the ethical issues involved?(b) Evaluate the behavior of the bank manager from an ethical point of view.(c) How would you react to the situation?
What the examiner wants
In this Banking Ethics & Colleague Misconduct case (You are working as an executive in a nationalized bank for several years. One day one of your close…), separate facts/constraints from the value conflict and resolve the explicit asks in order: What are the ethical issues involved; then Evaluate the behavior of the bank manager from an ethical point of view.; then How would you react to the situation. Defend the preferred option against realistic alternatives.
Demand-wise check
- 1What are the ethical issues involved?≈65 words
- 2Evaluate the behavior of the bank manager from an ethical point of view≈65 words
- 3How would you react to the situation?≈65 words
Open in about 30 words and close in about 30.
Answer plan
Where marks usually go
- Over-writing ‘What are the ethical issues involved’ while reducing ‘Evaluate the behavior of the bank manager from an ethical point of view.’ to a token paragraph
- Naming values without testing each feasible option for legality, affected stakeholders, consequences, implementation risk and reversibility
Value addition
- Banking Ethics & Colleague Misconduct: stakeholder map beside a 4-column option matrix — option | legality/ethics | consequences | mitigation
→ Draw it in the body, next to the point it supports.
Verified value additions
These are verified official-source additions selected for this exact PYQ. Use only the point that strengthens your argument.
Next: plan for one minute, write it in 14 minutes, then get it checked.