You are Ryan Tan, a senior banker in DDD Bank, covering for a colleague who is away on compliance
leave.
Pak Habibi owns a garments business in Singapore with several factories in Jakarta. He is a
highly successful garments manufacturer and a gold standard supplier to several top tier
brands in US, Europe and Japan. He has been a DDD Bank client since 2005, with $10m loan for his
company while his wife is a client of DDD private bank.
After some small talk on the recent election in Indonesia and his family vacation in Norway to
catch the Northern lights, he requests for an additional $1m loan.
As a senior banker well versed in RED, you have the authority to
A. Approve the loan as he is a client with long relationship and good credit standing.
B. Ask him what does he plan to do with $1m.
C. Decline his request politely as you are not his primary banker and promise to convey his request
to your colleague