Re Structured Loans - A Threat to Investors

During the economic boom, tevs grew at the same levels as most other private banks. But once default rates picked up, htevs grew at much faster rates because a significant chunk of their loans was made out to the retail public. The last two years haven't been kind to the bank and customers have bemoaned the frequent digital outrages. With the weight of these re structured loans hanging over its head, will 20 22 be any different for t f c bank?