if it is applicable to commercial banks only then why the answer is all of the above

In the explanation it is written NOT applicable to Cooperative and NBFC but the answer marked is all of the above. While some evidences says that there is some kind of PCA framework available for Cooperative banks.

In explanation you have written that it not applicable to co-operative banks and NBFCs but you corrected the answer all of the above

in explination

According to you ans is all of the above but in explanation, it is only commercial banks. Kindly explain

since explanation gives pca is for commercial banks which is true then answer must be option a please change the error