What is the primary reason the author refers to banking as the "first and most digitized industry"?

"The long history of banks" "The ease of digital transactions in modern banking" "The complex regulations surrounding banking" "The widespread use of physical bank branches"

What is the main difference between commercial banks and cooperative banks in India?

"Cooperative banks are regulated by the RBI, while commercial banks are not." "Commercial banks focus on large corporate clients, while cooperative banks serve individuals and small businesses." "Cooperative bank members act as both owners and customers, unlike commercial banks." "Commercial banks are significantly smaller in scale compared to cooperative banks."

Why does the Reserve Bank of India (RBI) mandate stricter banking regulations than the Basel-III norms?

"To align with international standards" "To promote competition in the banking sector" "To protect the interests of large corporations" "To mitigate risks associated with India's developing economy"

What does a consistently narrowing Net Interest Margin (NIM) over several quarters potentially indicate about a bank?

"Improved financial health and creditworthiness" "Increased profitability from lending activities" "Declining fundamentals and creditworthiness" "Greater efficiency in managing interest expenses"

How does the concept of risk-weighted assets influence a bank's capital adequacy ratio?

"Higher risk-weighted assets require lower capital to maintain adequacy." "Risk-weighted assets are not considered in capital adequacy calculations." "Lower risk-weighted assets necessitate higher capital to ensure adequacy." "Risk-weighted assets directly determine the bank's minimum capital requirement."