व्यावसायिक नैतिकता के सिद्धांतों और प्रथाओं के अनुसार, 'शिकारी ऋण' (Predatory Lending) से जुड़ा प्राथमिक नैतिक मुद्दा क्या है?

Analyze the validity of the statements below and select the correct conclusion: Statement 1: Fiduciary duty is the obligation of a bank to act in the best interests of its depositors and clients, representing the highest level of trust. Statement 2: The principle of individual responsibility implies an employee remains personally and morally responsible even if ordered by a supervisor to perform an unethical act. Statement 3: Conflicts of interest are unavoidable, so they do not need to be disclosed to clients if they are common practice. Statement 4: A bank adhering only to legal minimums while exploiting loopholes fails higher ethical standards. Statement 5: Transparency implies a bank should provide clear information about its health, products, and fees. Statement 6: Ethical relativism is desirable as it allows lowering standards in highly corrupt countries for competitive advantage. Statement 7: 'Tone at the top' describes the leadership atmosphere that influences employee ethical behavior.

Analyze the validity of the statements below and select the correct conclusion: Statement 1: Ethics provides a moral compass that guides bank employees toward long-term financial system stability. Statement 2: Business ethics is solely concerned with legality, making aggressive tax avoidance ethical by definition if not illegal. Statement 3: The 'social license to operate' implies banks must earn ongoing community approval through ethical behavior. Statement 4: Big data use must balance against the ethical duty to protect customer privacy and prevent algorithm discrimination. Statement 5: Ethical training is a waste of time as moral character is completely fixed before adulthood. Statement 6: The principle of confidentiality restricts customer data disclosure except as required by law or explicit consent. Statement 7: Sustainable banking integrates ESG factors into core lending and investment decisions.