Banking · Capital Adequacy and Provisioning

Regarding the Risk-Weighted Assets (RWA) and provisioning norms for standard and retail assets under RBI guidelines, consider the following statements: I. The RWA for all fully secured Housing Loans is a uniform 35%, irrespective of the Loan to Value (LTV) ratio. II. The Standard Asset Provisioning for a Commercial Real Estate - Residential Housing (CRE-RH) exposure is 0.75%. III. Credit Card receivables attract a higher Risk Weight (125%) compared to general consumer credit / personal loans (which is typically 100% or as revised by RBI). IV. Standard Asset Provisioning for a fully secured Loan Against Gold (LAG) is 0.40%. V. For a Defaulted Loan (NPA) in the retail portfolio, the sub-standard secured portion requires a 15% provision. Which of the above statements are CORRECT based on RBI guidelines?