A credit culture is a fundamental principle, values and policies that drive lending activity. The credit culture exerts a strong influence on a bank's lending and credit risk management. In light of the above statement and knowledge you have gained from the course: 1. Discuss what do you understand by Credit Culture of Banks and examine its determinants. 2.Evaluate any two types of credit culture for Banks. 3. Highlight the importance of Credit Culture for Banks. 4. Summary question 1, 2 and 3.