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     EduGorilla 
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    Which of the following states the cause for increased running costs of banks?

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    1. The banks were more focussed towards concessional credit which deprived them of the potential earning.
    2. The banks were not allowed to take independent decisions for managing their activities.
    3. The low number of branches resulted in decreased performance and higher costs.
    4. The operational managers were not given independence to decide budget for their branches.
    5. The regulatory restrictions on the banks did not allow them to fix interest rates and cover the expenditures.
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