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(A) A good Bank Credit Policy is the one that takes into consideration competition in the banking environment without compromising on Loan Portfolio Quality. Discuss

(A) A good Bank Credit Policy is the one that takes into consideration competition in the banking environment without compromising on Loan Portfolio Quality. Discuss (10 Marks) (B) Why is the organogram of the Credit Division of a Bank so crucial in the implementation of Credit Policy Guidelines and Credit Procedure Manual? Answer the question with an appropriate diagram.

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