First State Bank's Loan Policy Manual States 'That the Goal

Multiple Choice

First State Bank's loan policy manual states 'that the goal of the bank is to make high quality loans for home mortgages,the purchase of automobiles and small business accounts receivables'.What factor determining the growth and mix of loans does this fact reflect?

A) Characteristics of the market area
B) Lender Size
C) The experience and expertise of management
D) The written loan policy of the bank
E) Bank regulations