CASE STUDY You have just been appointed Cluster Manager of a cluster of five branches. Two of these branches are old branches (5 yrs. +) and three were opened three (3) months ago. The old branches are still not making profit on the monthly basis. The average of their liabilities balance sheet is 70% to 30% in favour of fixed deposits. There is a significant number of companies in the catchment area of all the branches with one of the old ones located in a rich small business enclave. You have been charged with the responsibility to ensure that all your new branches break-even within 9 months and the old branches start being profitable in 6 months. Prepare a 25 minute presentation to share with a management team how you will deliver on these objectives