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Why did a Singapore bank's retail profit fall?

The prompt

A Singapore bank's retail unit saw profit before tax fall from SGD 190 million to SGD 115 million. The exhibit shows the main lines. What drove the fall, and what should the bank do?

Your interviewer will share data as you ask for it. Ask clarifying questions, state a hypothesis, then lay out your structure out loud before you calculate.

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Open an exhibit only when your interviewer tells you to.

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