Statement — None of the bank unions could comprehend that the information-technology wave was unstoppable; unless banks learned to swim along with the tide, they would be swept away. Conclusions — I. A time will come when banks are rendered redundant by information technology. II. Information technology is yet to make its impact on banks.

Introduction / Context:The statement warns that IT disruption is unstoppable and non-adopters risk being “swept away.” We test claims about banks becoming redundant (I) and IT not yet impacting banks (II).

Given Data / Assumptions:

• Premise implies strong impact already and in future; it advocates adaptation.
• It does not claim banks will vanish; it claims non-adapting banks will suffer.

Concept / Approach:I overstates to “redundant banks” rather than “banks must adapt”; not entailed. II contradicts the premise—if the tide is unstoppable and threatens to sweep away laggards, the impact is real, not absent.

Final Answer:Neither I nor II follows.