(4)[or at any other time, if the Reserve Bank is satisfied that-(a)in the public interest; or(b)in the interests of the depositors; or(c)in order to secure the proper management of the banking company; or(d)in the interests of the banking system of the country as a whole,-it is necessary so to do, the Reserve Bank may prepare a scheme-(i)for the reconstruction of the banking company, or(ii)for the amalgamation of the banking company with any other banking institution (in this section referred to as "the transferee bank").]