XYPOX Company is a fast-growing online marketing company. It has applied to its bank for a substantial new five-year loan. Which ONE of the following is likely to be the LEAST important to the bank as part of their assessment of the loan to XYPOX Company?

(a) An analysis of XYPOX Companys strategic plan.

(b) Cash Flow forecasts for the next five years.

(c) Detailed analysis of the current management team.

(d) Financial statements of XYPOX Company for the last three years.