Which of the following is/are the major concepts visible in today's banking industry in India? [IOB 2008] (1) Risk Based management (2) Growing competition (3) IT initiatives

• A.  Only (1)                       
• B.  Only (2)
• C.  Only (3)                       
• D.  Both (2) and (3)
• E.  All (1), (2) and (3)