<h1>Bank autonomy: bona fide commercial decisions require cogent material before judicial or investigative scrutiny can proceed.</h1> Banks acting in good faith that have observed necessary checks, enquiries and due diligence cannot be held answerable to the judiciary for the economic expediency of their commercial decisions without cogent material suggesting impropriety; facile or speculative allegations should not trigger investigations by agencies like the CBI or CVC, as such probes seriously affect corporate affairs and reputations and require a heightened evidentiary threshold.