HELEN MORONKEJI OGUNWUMIJU, J.C.A (Delivering the Leading Judgment): This is an appeal against the judgment of the Failed Banks (Recovery of Debt) and Financial Malpractices in Banks Tribunal Lagos Zone II, Lagos delivered by Hon. Justice M. A. Ope-Agbe as Chairman on 3rd July 1998. The Appellant was the 1st Accused on a two count charge. The first count was that he fraudulently granted unauthorised and unsecured credit facilities to several customers of Nigeria-Arab Bank Ltd Odeda Branch between 1992-1993 to the aggregate tune of N15,598.782.09 (Five Million, Five Hundred and Ninety Eight Thousand, Seven Hundred and Eighty-Two Naira, Nine kobo) contrary and punishable under S.18(1) (B) of the Banks and Other Financial Institutions Decree No. 25 of 1991 read in conjunction with S.3(1) (c) of the Failed Banks (Recovery of Debts) and Financial Malpractices in Banks Decree No. 18 of 1994. The second count was that the Appellant with intent to mislead the management of the bank falsified,…