The on-going pandemic i.e. COVID 19 has affected the global financial market substantially. Major economies have announced the emergencies in their countries. Many manufacturing units have stopped the production of goods in many countries. RBI has announced the moratorium for six months and relaxed the borrowers from paying regular payments to banks. The governor of RBI has wanted to higher bad loans as a direct fallout of the pandemic:

1. Comment on the effect of COVID-19 on the market price of banking shares and non-performing assets.
2. Comments on the bank's future plan of action to minimize the impact of non-performing assets on investors in securities market.

Please give the answer in detail.