Please answer this question with the information provided below

Given your answers and analysis in Questions $1$ to $4,$ what is your final recommendation to the Business Loans Manager of Concorde Banking Corporation: an approval or denial of the loan to each and$/$or both firms? Discuss the basis for your recommendation. Ensure you base your recommendation only on the change in the ratios for the two stated financial years $($i$.$e$.,2022$ and $2023).$

Note: Identify logical connections and use evidence to create well$-$formulated ideas and arguments. This question requires you to synthesise the analyses from questions $1-4$ to formulate a well$-$justified argument$/$conclusion$,$ which is both logical and crtcal