Which of the following is/are the major concepts visiblein today-™s banking industry in India?I. Risk-based managementII. Growing competitionIII. IT initiatives Select the correct answer using thecodes given below:

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Which of the following is/are the major concepts visiblein today-™s banking industry in India?I. Risk-based managementII. Growing competitionIII. IT initiatives Select the correct answer using thecodes given below: