Explain how the credit portfolio study would facilitate or


1. Explain how the credit portfolio study would facilitate or assist the liquidity management of the financial institution or bank.

2. One of your credit colleagues argues that a bank needs to specialize and concentrate on lending to a few non-cyclical industries. The risk of concentration is mitigated by the non-cyclicality of the industries. Do you agree with this view? Please elaborate.

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Risk Management: Explain how the credit portfolio study would facilitate or
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