Test pilots have a litmus test for evaluating problems. When something goes wrong, they ask, "Is this thing still flying?" If the answer is yes, then there's no immediate danger, no need to overreact.
Sometimes there are customers who get in difficulty because of situations that are out of their control. These are customers with genuine needs, and the role of the bank is to accommodate these customers, and there is a real need to reschedule the loans of these customers.