One reason why HSBC didn’t go down in storm?

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The Hongkong and Shanghai Banking Corporation, now known as HSBC, provides yet another insight into how it managed to keep its above the swirling waters during the recent economic downturn with this monthly statement of account sent to a credit card holder.

Total payment due: Rs 0.10

Minimum payment due: Rs 0.10

Questions: How do you send Rs 0.10 to a bank? By cheque or cash? Has anybody seen a coin of Rs 0.10 in recent days? What is the total cost involved in sending a cheque for Rs 0.10? What is the total cost involved in generating a statement of account for Rs 0.10? What if the account holder decides to pay back the Rs 0.10 in four EMIs?