an accidental occurrence of the lending process‚ one that has enormous potential to deepen the severity and duration of financial crisis and to complicate macro economic management. This is because NPLs can bring down investors’ confidence in the banking system‚ piling up unproductive economic resources even though depreciations are taken care of‚ and impeding the resource allocation process. In a bank-centered financial system‚ NPLs can further thwart economic recovery by shrinking operating margin
Premium Bank Economics Debt
Analyse the factors that causes differences in the hazards posed by volcanoes around the world (40 marks) A hazard can be define as something which poses a level of threat the life‚ health‚ property or environment‚ a volcano can compromise all these things through the many hazards volcanoes presents. Such as lahars‚ flash flooding‚ landslides‚ pyroclastic flows‚ ash clouds and many others. There are factors which can influence the severity of the hazard and cause differences in them and can be classified
Premium Volcano Basalt
FACTORS CONTRIBUTING TOWARDS POOR PERFORMANCE OF GRADE 12 LEARNERS AT MANOSHI AND MOKWATEDI HIGH SCHOOLS BY MOKGAETSI SALOME RAMMALA MINI-DISSERTATION SUBMITTED IN FULFILMENT OF THE REQUIREMENTS FOR THE DEGREE MASTERS IN DEVELOPMENT IN THE FACULTY OF MANAGEMENT AND LAW AT TURFLOOP GRADUATE SCHOOL OF LEADERSHIP SUPERVISOR: MS. M. C. MODIPANE DECEMBER 2009 DECLARATION I declare that the dissertation hereby submitted to the Turfloop Graduate School of Leadership for the degree of MASTERS
Premium High school Unemployment College
1.0 Thesis Title The Need To Review Internal Controls In The Public Sector. 2.0 Introduction Internal controls include all the policies and procedures adopted by an entity to assist in their objectives of achieving‚ as far as practicable‚ The orderly and efficient conduct of the entity including * Adhering to internal policies * The safeguarding of assets * The prevention and detection of fraud and error * The accuracy and completeness of the accounting records and
Premium Internal control Foreign Corrupt Practices Act Control system
that are not precisely predictable‚ but follows a known probability distribution. Risk taking is a phenomenal virtue of most successful executives and managers. The high crests and the low ebbs of most businesses are more often governed by this one factor “risk” taken by its decision makers. While more often the success is celebrated and the failure is chided‚ the risks involved is not weighed to totality. The concept of risk taking has played a central role in psychological research during the last
Premium Risk Decision making Decision theory
So‚how can we get to iconic branding? To me‚ iconic branding is about really getting three things right: The first and most important is segmentation. Now‚ segmentation is a much used word‚ but it can make the difference between winning and losing. Segmentation must go way beyond the generic functional attributes and features if it has to be truly powerful. It must seek to understand the functional‚ the psychological and the emotional gratification that the consumer derives. A very good example
Premium Management Decision theory Marketing
Factors affecting the demand and growth of the auto sector in India The automotive sector is one of the core industries of the Indian economy. Indian Government’s impetus to the industry by allowing continuous economic liberalization since 1991 has made India one of the sought after destination for many global automotive players. The automotive sector in India is growing at around 18 per cent per annum. Indian Auto industry has seen a phenomenal growth in the last 20 years. This is due to the
Premium Automotive industry Automotive industry by country
Automobile Industry Hailed as ‘the industry of industries’ by Peter Drucker‚ the founding father of the study of management‚ in 1946‚ the automobile industry had evolved continuously with changing times from craft production in 1890s to mass production in 1910s to lean production techniques in the 1970s. The Asian countries‚ mainly by Japan‚ China and India‚ registered a 9% increase in production over last year‚ constituting 35.9% of the global production. In fact China and India posted positive
Premium Automotive industry Supply and demand Volkswagen Group
glance Summary Financial performance Profitability Cost Shareholders’ returns 01 03 05 05 09 10 Chapter 4: Financial position Balance sheet Asset quality Capital adequacy 15 15 19 23 Chapter 5: Sector commentary Focus on retail banking Financial Inclusion remain a top priority Making the best use of technology 25 25 27 28 Chapter 6: Regulation Regulations:
Premium Bank Operating expense Asset
Factors Affecting Fermentation of Glucose by Yeast Introduction: Fermentation is anaerobic respiration whereby food is altered into more simple compounds and energy in the form of chemicals is produced‚ an example being adenosine triphosphate (biology-online.org/dictionary/Fermentation). All this occurs with the lack of atmospheric oxygen. At the end of the day alcohol and carbon dioxide are the end products when yeast is used in the fermentation procedure. But end products like acetic acid
Premium