During the (ZIC) meeting, the alleged employee stated that, under significant pressure related to collection targets, regrettably used inappropriate and unethical language toward female staff members. The Branch Manager further corroborated this by stating that the incident occurred while the employee was returning from an area meeting. Upon review, the employee acknowledged the misconduct and sincerely apologized for the lapse in professional conduct. Considering the circumstances, the gravity of the incident, and the employee’s willingness to take accountability, the committee determined that the appropriate course of action would be to issue a formal warning letter. Additionally, it was decided to transfer the employee to another branch as a corrective measure.