COVID-19 has had a significant impact on the economy and will continue doing so for the foreseeable future. Comment on: (a) Which sectors have been impacted the most? (b) How would banks react to customers having loans and lines of credit exposed to such sectors? (c) Have there been any success stories in terms of growth as a consequence of COVID? If so, identify such categories. (d) Moving forward, what is the main risks banks face and what is their main line of defence