NEW RULES ON DEBT CLASSIFICATION AND LOSS RESERVE By Truong Nhat Quang Duong Thu Ha Following Decision No. 127/2005/QD-NHNN dated February 3‚ 2005 issuing the Regulations on Loans Extended by Credit Institutions to Customers‚ the State Bank of Vietnam (SBV) has enacted a number of legal documents aimed at improving credit quality and risk supervision and management‚ including Decision No. 493/2005/QD-NHNN dated April 22‚ 2005 issuing the Regulations on Classification of Debts and Loss
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Key to Unit 1- ESP2 Vocabulary 1 visible trade (GB) or merchandise trade (US) 2. invisible imports and exports 3. barter or counter trade 4. balance of trade 5. balance of payments 6. autarky 7. surplus 8. deficit 9. dumping 10. protectionism 11. tariffs 12. quotas Reading 1. Because it can be shown that if all countries specialize in the goods or services in which they are most productive (in which they have an absolute or a comparative advantage)‚ they will all raise their income
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components (explain their functions): Classification scheme of living organisms: Enzymes (explain functions) : Diffusion: Osmosis: Active Transport: Steps of cellular respiration: How does the body grow and maintain itself? The body is made up of tiny cells - for example‚ skin cells‚ muscle cells‚ heart cells‚ nerve cells‚ and bone cells. When a baby grows‚ the number of cells increases very quickly. A cell becomes a bit larger‚ then divides into 2 "daughter" cells (Figure 1). After
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Classification of Paragraph The purpose of a classification paragraph is to clearly define something and place it in a group according to some basis or rule so that it only fits in one group. In order to be successful at this you have to be very detailed. The same information can be classified into more than one category‚ but the classification paragraph sticks to one basis of classification. The topic sentence has two parts: the topic‚ and the basis of classification‚ which is the controlling
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PERIODIC CLASSIFICATION OF ELEMENTS Introduction There are 115 elements that are known at present. Some elements have similar properties whereas some others have completely contrasting properties Scientists began to look for some pattern in the properties of these elements Dobereiner’s triads In 1817‚ Johann Wolfgang Dobereiner‚ a German chemist‚ classified elements into groups based on their properties. He kept all elements having similar properties in one group. Most of his groups had three
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M2: Explain the limitations of marketing research used to contribute to the development of Nivea. No matter how small or large a market research project may be‚ any type of research performed poorly will not give relevant results. In fact‚ all research‚ no matter how well controlled‚ carries the potential to be wrong. There are many reasons why research may not give good results but a common problem is deciding whether the research is really measuring what it claims to be measuring. There
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day to stay well. We would not be wrong to say that beverage are the part of what we must consume to sustain life. In short‚ we must drink. CLASSIFICATION OF BEVERAGES Beverage has been classified into two categories • Alcoholic Beverage • Non Alcoholic Beverage ALCOHOLIC BEVERAGES (C2H5OH) Alcoholic beverage is portable liquid which contain 2% to 75% of liquor. They are produced by the introduction of yeast for fermentation into substance such as fruits‚ cereal (grain)‚ molasses and
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CASE 1-2 : McDonald’s expands globally while adjusting its local recipe Discussion Questions : 1-18. The key elements in McDonald’s global marketing strategy are based on the concept of this quick-service restaurant which is delivering three things to customers: inexpensive foo‚ quick-service and clean and familiar environment. Memorable advertising and intensive promotion efforts are two important tools that made McDonald’s one of the world’s most valuable brands. For instance “I’m loving it”
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Assess the Strengths and limitations of once of the following methods for the study of gender and attainment Participant Observation Participant observation is where a researcher will gain data from being in an open environment‚ wherever they are overt‚ meaning the participants being researched on know they are being researched‚ covert‚ meaning they do not know they are being researched and non-participating‚ where the researcher takes a step back and observes the situation rather than be involved
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categories: tea leaves and beverage. Tea leaves of black tea is defined as being fully oxidized and often yields a full-bodied amber brew. Oxidization is essential in the formation of flavor and aroma compounds‚ which give a tea its liquor color‚ strength‚ and briskness. Black tea usually require 100 percent oxidization by which black tea is generally strong in flavor than the less oxidized teas‚ such as green tea and oolong tea. Black tea is produced through five manufacturing stages: withering‚
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