Why Forensic Investigation of Bankers is a must?

If the government wants to tackle the massive NPA crisis that the banking system is currently going through from the root, forensic audits, particularly where defaults are wilful, are a must. Forensic Audits focus on related party transactions, bogus transactions, money laundering, tax evasion and vanishing of securities. However, to get to the root of the problem, the forensic audit/investigation should not only focus on the borrower, but also the banker who gave such a loan, because the banker is equally at fault and can stop such a fraud immidiately. This criminal game cannot be played without the minimum of 2 players