Banking · Retail Banking Constraints
Which of the following statements are correct regarding 'Constraints in Retail Banking'? Statement I: The high cost of servicing a large volume of small-ticket accounts can lead to negative margins if a bank lacks an automated tech platform. Statement II: Personal loan segments are fully safe because future income is legally protected against default under the Insolvency and Bankruptcy Code (IBC). Statement III: Delinquency management in small-ticket retail loans is difficult as legal recovery costs often exceed the outstanding loan amount.
Verified Solution4 OptionsUpdated: October 2026👁️1 View
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- 1I, II and III
- 2Only I and III✓
- 3Only I and II
- 4Only I
Correct answer
Only I and III
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