Which of the following statements is/are correct regarding RBI’s credit risk management guidelines?
- Banks should not solely rely on credit appraisal reports by external consultants.
- Lenders must ensure that debt raised by one subsidiary is not used as equity for another.
- DIN numbers are used to identify willful defaulters in credit information systems.
1
Only 1 and 2
2
Only 2
3
Only 1 and 3
4
All of the above
5
Only 2 and 3