Utilize the input text as a context reference, choose the right relationship between minimal and retail from the options. Options: product/material produced, manufacturer, distributed by, industry, position held, original broadcaster, owned by, founded by, distribution format, headquarters location, stock exchange, currency, parent organization, chief executive officer, director/manager, owner of, operator, member of, employer, chairperson, platform, subsidiary, legal form, publisher, developer, brand, business division, location of formation, creator.

We also have minimal exposure to underperforming sectors with hospitality at 4% and retail at 15% of the CRE loan portfolio.

Answer: industry