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Considering the evolution of the ratios provided as well as those you calculated,and applying the 5 Cs method, would you approve 3M's loan application? You

Considering the evolution of the ratios provided as well as those you calculated,and applying the 5 Cs method, would you approve 3M's loan application? You must provide the relevant concerns for this loan, make the loan application decision and explain why briefly. (16 marks)

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