Using Earnings-at-Risk to Assess the Risk of Indonesian Banks Elisa R. Muresan‚ Ph.D. 1 Nevi Danila‚ Ph.D. 2 JEL Classifications: F37‚ G20 Authors’ Keywords: Capital Adequacy Ratio (CAR) Earnings-at-Risk (EaR)‚ Bank Risk‚ Indonesian Banks Questions and feedback may be directed to both authors. 1 Elisa R. Muresan is an Assistant Professor of Finance at The School of Business‚ Public Administration‚ and Information Sciences‚ Long Island University‚ 1 University Plaza‚ Brooklyn‚ NY 11201
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When we change how we communicate‚ we change who we are. Communication can be used to alter a persona‚ depending on how they carry themselves by the language they use. Language can be easily manipulated by concealment or exaggeration‚ to create an ideal character. Similarly‚ words that wield power have a great effect on the user when used in appropriate contexts. On the other hand‚ those who are limited by language are incapable of modifying their identity. When used to your benefit‚ communication
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Risk Factors are actions or conditions that an individual or group of individuals do that increases their risk of developing a disease. The disease isn’t just limited to infectious diseases but can also include chronic disease such as obesity. Risk Factors can either be modifiable‚ non modifiable‚ and also social/environmental risk factors. Modifiable risk factors mean you can take measures by altering ones life to remove the potential risk of developing a disease. Non modifiable works in the opposite
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The Long Day By Dorothy Richardson After reading‚ “The Long Day” the manner of which people lived and survived during the depression has astounded me. Where she first boarded with Miss Jameson she didn’t have any sense of home and bliss. She had shared with her friend Miss Plympton and described her sense of home and bliss as living in country side. And when she later boarded with Miss Pringle she had felt a sense of home when she saw her stove little Lottie. After receiving kind words from Miss
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Jamil EGL 1020 7 February 2014 Following a Pattern in “Half a Day” Naguib Mahfouz’s suspenseful focus on life’s transience in “Half a Day‚” translated into English by Denys Johnson-Davies‚ enables him to trace the process through which the human mind usually loses its potential over and becomes oblivious to the passage of time. Journeying for the first time to school “alongside” his father‚ the Narrator as a child‚ who is conscious of “time” and of “a street lined with gardens” and “extensive fields
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Risk and Quality Management Assessment Summary Kelly Hennessey HCS/451 02/18/2012 Lauri Rose Risk and Quality Management Assessment Summary Evergreen Woods health and rehabilitation center is located in Spring Hill Florida. The center has been serving Hernando County for over 25 years. Services that the center offers are: Post-acute services‚ Rehabilitative services‚ skilled nursing‚ Short and long term care through physical‚ occupational and speech therapists. The mission of Evergreen Woods
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What is Systemic Risk? Systemic risk is the risk that the entire financial market will collapse‚ this is the opposite of risk being linked to any specific individual entity‚ group or component of a system. Systemic risk is a constant problem even when dealing with a portfolio which is very well-diversified. It is the risk that changes in the financial system can possibly result in a failure or breakdown of this system and trigger major damages to the real economy. Such changes can come from the
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Unit title: Management of Shipping Operations Assignment title: Risk and Safety Management Assignment tutor: Simon Holford Word count: 4‚000 words Learner request for feedback: TO BE COMPLETED BY STAFF Tutor feedback: Mark: Submitted on time (Y/N): Tutor signature: Date: Southampton Solent University School of Technology Faculty of Maritime and Technology Risk and Safety Management [pic] (Figure 1: Costa Concordia‚ source:
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FINANCIAL DERIVATIVES “Risk in Investing in Derivatives” Submitted By: Zeeshan Saeed (9961) Hashim Mamsa (10138) Fawaz Shaikh (11276) Ali Kazi (10537) Submitted To: Mrs. Shazia Farooq TABLE OF CONTENTS INTRODUCTION_______________________________________________________________________ 3 Types of Risk:_________________________________________________________________________ 4 I. Market Risk:…………………………………………………………………………………………………………………………………………. 4 II. Default risk…………………………………………………………………………………………………………………………………………
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Teen Risk-Taking: A Statistical Portrait Contents Portrait Highlights Measuring Health Risk Behaviors Changes in Overall Risk-Taking‚ 1991-1997 Multiple Risks and Positive Behaviors Reaching Multiple-Risk Teens A Time for Cautious Optimism Endnotes Portrait Highlights The most serious threats to the health and safety of adolescents and young adults are preventable. They result from such risk-taking behaviors as fighting‚ substance abuse‚ suicide‚ and sexual activity rather than from
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