To summarize, I have argued that all of us as individuals, families, social communities and faith communities confront ethical dilemmas everyday, and we resolve them in our own ways. Notwithstanding where we draw the line, we take the value of ethical behaviour to be axiomatic.
Our intrusiveness will depend on the scale and severity of the NPL challenges different banks face. With the JSTs, we will also organise regular onsite inspections of banks with high levels of NPLs to gauge progress. However, we will also take a proportionate approach where necessary.