| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | loan applications | banking culture | Supported by detailed credit assessments and financial planning to ensure responsible borrowing and timely repayments | 1 |
| 2 | money lending | global banking practices | Lending money with interest is a common practice | 1 |
| 3 | mortgages | banking in the US | Common way to purchase a home | 1 |