In choosing a bank, businesses face different selection criteria than individuals. Because banks have different lending policies and areas of expertise, management must take into account all of a bank's characteristics before choosing a banking relationship. A bank with a large number of branches across several states would most likely be a Which one of the following attributes would be most important to a large multinational conglomerate? Check all that apply. A small bank with loyalty to the community A bank with expertise in electronic funds transfer and foreign currency operations A bank with small-business expertise A bank with separate divisions for speclaity lending, such as real estate