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    Question

    Which strategy reduces dependency on interest

    income?
    A Expanding fee-based services Correct Answer Incorrect Answer
    B Increasing loan rates Correct Answer Incorrect Answer
    C Reducing digital adoption Correct Answer Incorrect Answer
    D Price wars Correct Answer Incorrect Answer
    E Eliminating CRM Correct Answer Incorrect Answer

    Solution

    Diversifying into advisory and commission income lowers reliance on spread. Why others are incorrect: Loan rate increases still interest-based; Reduced digital harms growth; Price wars reduce margin; Eliminating CRM harms retention. Banking Example: Mutual fund distribution income.

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