The profitability of public-sector banks is low due to
(i) Over-cautions approach to lending
(ii) Reserve Bank Policies
(iii) High Overhead Costs
(iv) Social-sector lending
Identify the correct option:

A. (i) and (ii)

B. (i) and (iv)

C. (i), (iii) and (iv)

D. (ii) and (iii)

Answer: Option C