Read the required Roy article. Respond to the following:
a. How does the strategic planning of a multi-unit business organization pose constraints to its profitable growth?
b. Why do banks lose profitability as they grow bigger?
c. How can product categories (loans, deposits, payment, fund transfer, custody, etc), customer segments (business, professionals, pensioners, salaried, etc), and geographical units (country, region, district, city, etc.) be better developed to achieve long-term sustainability in the bank industry?
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Explain your rationale.