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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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