Bank corporate loans have grown at lower rate than individual bank loans

Question

BlackTom AI · Accepted Answer

The question presents a factual statement about the growth rates of bank corporate loans versus individual (retail) loans and asks you to judge it as true or false.
Option 1: TRUE. This would be correct if data or a specific report indicates that corporate lending grew at a slower pace compared to retail/individual lending during the period in question. In many banking trend analyses, retail or personal loans tend to grow faster due to steady consumer demand, easier product diversification, and regulatory environments that sometimes encourage retail lending. If the provided data or the course material states that corporate loans grew more slowly, selecting TRUE aligns with that source.
Option 2: FALSE. This would be correct if the evidence shows that corporate loans expanded more rapidly than retail loans in the same period. Factors that could support this include a surge in corporate refinancing, infrastructure spending, large project financing, or a policy push that boosted corporate credit growth. Without such evidence, labeling the statement as false would misrepresent the data.
Option 3: No answer text provided. This option is invalid in analyzing the statement, as it does not contribute any substantive claim about growth rates. Selecting it would indicate a failure to engage with the actual comparison between corporate and retail loan growth.
Option 4: No answer text provided. Similar to Option 3, this option does not offer a substantive argument and should not be chosen if the goal is to assess the given statement.
In summary, the correctness hinges on the specific data being referenced. If the material you're studying reports that corporate loan growth lags retail loan growth, then TRUE is the appropriate choice; if it reports the opposite, FALSE would be correct. The remaining options do not provide an evaluative claim about the growth comparison and are not informative for determining correctness.

BU.232.715.81.SP25 HW 1

Bank corporate loans have grown at lower rate than individual bank loans

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