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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fellow students . Today we going to discuss about should student go for tution and learn about the advantages & disadvantages of going for tution. Thinesh : Back in those day‚tution was not necessary as education was not give much emphasize.But nowdays many students prefer to go tution Because they believe it can help them achieve success in examination.Aiman what do you think about advantages of going for tution. Aiman : Going for tution may help us to gain extra knowledge that may not learn
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In this paper‚ I will select a region‚ chose a trading bloc within that region‚ and write an article in favor of regional integration and another against it. I will also describe the advantages and disadvantages of regional integration within both articles and relate the stage of economic development of the economically integrated region to potential business opportunities. Before stating my opinions of why I would be for regional integration and then‚ why I would be against it‚ I will define the
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Write a 250-word response to each of the following questions: What are the advantages and disadvantages of social media? How might knowing these advantages and disadvantages alter how a person might use social media? One advantage of social media is the ability to stay connected to friends and family‚ especially those you may not see often. You can share photos and even host events which you can invite your friends to. Social media is also a good way to meet new friends and share interests with
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Advantages [edit] Convenience Online stores are usually available 24 hours a day‚ and many consumers have Internet access both at work and at home. Other establishments such as internet cafes and schools provide access as well. A visit to a conventional retail store requires travel and must take place during business hours. In the event of a problem with the item – it is not what the consumer ordered‚ or it is not what they expected – consumers are concerned with the ease with which they can return
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Using mobile phones has lots of advantages and disadvantages and most you will be aware of that. Earlier days‚ when we are out of home or office‚ we need to search for a public telephone booth to make a phone call‚ but now‚ just pick up your mobile phone and dial. I am trying to list the Pros and cons of using a mobile phone in this post. Advantages of using a mobile phone You are always connected‚ anybody who knows your mobile number can contact you. If you are travelling out of your territory
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Chromium is used to regulate glucose in the blood stream and slows down the rate of calcium loss. It is also recommended for muscle building and fat burning. Due to its benefits it is used by patients suffering from diabetes or menopause.There are many risks of chromium‚ some include kidney‚ liver and nerve damage. It may also cause irregular heartbeat. Chromium should not be used by pregnant women‚ people with mental illness‚ and people with kidney disease. Though chromium is used for many medical benefits
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considering the recent history of the CAD-USD exchange rate relationship‚ the Canadian dollar is known to reach record highs‚ and then trades at parity‚ followed by record low. Moreover‚ the largest international trader of Canadian Dollars‚ RBC forecasts that though the Canadian dollar will further appreciate‚ likely chances are that by ‘second half’ of the next year it will depreciate to a rate below parity. Therefore Pixonix Inc. faces the risk of the USD appreciating‚ and thus the expense of
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can be negatively affected by too much time spent on the computer every day. This is partly because sitting in front of the screen for too long can be damaging to both the eyes and the physical posture of a young child‚ regardless of what they are using the computer for. However‚ the main concern is about the type of computer activities that attract children. These are often electronic games that tend to be very intense and rather violent. The player is usually the hero of the game and too much
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What are the advantages and disadvantages of travel? One of the advantages of travel is that it broadens the mind or‚ in other words‚ broadens an individual’s life experiences. In addition‚ the exposure to a another part of your own country or a foreign country allows you to reexamine your life and to reassess your way of thinking. Another advantage‚ in the case of foreign travel‚ is that it is a reason for learning a foreign language. Learning a foreign language provides you with both intellectual
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