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3. You are the newly appointed corporate relationship manager in XYZ Bank. One of your customers has recently recorded a decline in annual turnover, in relation to its size, compared to the previous year. Overall, the business is performing at a significantly lower level of operating efficiency than its peers, as evident from the comparison with industry averages. You also notice that the total asset base of the company has increased while turnover has declined. Explain the steps you would initiate to understand the factors resulting in the drop in turnover and increase in asset base (which includes debtors, stock, investments and fixed assets)