Q. In a recent report published by the RBI (Indias central bank) states that this COVID 19 has impacted better companies, organizations and businesses that were performing well before this pandemic. Now, Banks have to minimize the risk and use the high risk-averse strategy to restructure loans, provisioning bad debts due to less risk appetite, Indian banks have already suffered severe losses in past restructuring attempts. Based on above, please discuss whether RBI should follow the public interest theory or privet interest theory to address the post pandemic banking issues? Why? Discuss with examples.