non-performing loans and loan loss provision also the disadvantageof this company. The non-performing loan ratio to an all-time low of 2.0% from the 2.3%in 3Q09‚ while loss coverage to 90.85 from the b=86.7% in the previous quarter 2011(investment research‚ 2011). That mean the all-time for the non-performing loan wasincrease. So this is the weakness for the CIMB Group.The rises of the non performing loan effect the provision that have. Because of the increasing of the value‚ the provision was effected
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I am Malala is the memoir of a fourteen-year old girl’s campaign for women’s right to education. In 2011‚ Malala was shot by the Taliban in a bus on her way home from school. Two Taliban men boarded the bus and asked‚ “who is Malala‚” soon after‚ firing shots into Malala’s head (Yousafzai 9). The Taliban‚ a radical Islamic group‚ wishes to instill a conservative version of Islamic law called Sharia. Malala grew up in a society in which women were treated as inferior beings‚ housekeepers‚ and had
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I am a very optimistic and determined person. We’ve all heard about the girl raped‚ abused‚ or even in foster care right? Luckily‚ I was neither of the those. Although just because I have never been that girl doesn’t mean I haven’t had my own struggles and obstacles I have had to overcome. Obstacles that made me who I am. The ones that gave me my identity. My obstacles started as a baby. I was conceived when my mother was only thirteen years old. She lost custody of me and my older three siblings
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What if I am a celebrity? It sounds ridiculous. But what if it really comes true? What will I do? I am wondering what I should do after that‚ maybe I could do something for my most beloved country‚ Malaysia. First of all‚ I will make my country to become well known. I will make it famous as a tourist center so that there will be a lot of tourists come over our country and enjoy the Malaysia’s splendid environment. I will also tell them that Malaysia is a beautiful and also a wonderful country
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Karina Zepeda November 21‚ 2014 Mr. Allen What Would I Do If I Were President When it comes to being the President of the United States‚ it is THE most important and stressful job you could have. The fate of the country is in your hands. Of course you have the help of others like your cabinet‚ the House of Representatives‚ and congress‚ but in reality as the president‚ you are blamed for any problems that the country faces. You are the face of what the country undergoes‚ and there are so many pressures
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At the present time‚ there are three things I would change about the US Army. One is that I would get rid of the Corporal rank. I know there are a lot of other people who feel the same and really‚ I don’t see the point in this rank at all. I know a lot of higher enlisted say that ‘A person becomes a CPL when there is a position of a NCO open and the individual does not have enough points to make SGT.’ There are SPC’s in charge of other soldiers. There are SPC’s in the position of Supply NCO. My
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handkerchief he had given her. I did not know that he was so jealous that it led to my mistress death. I did not witness Othello’s death but I’m sure he sure he must have felt guilty. Lodovico‚ Desdemona’s cousin spoke” I did not witness Desdemona’s murder but I heard of it and came to look for the rash man who killed her. He was once a good man but was tricked by Iago. I told Othello that he had being stripped from his power and command and that Cassio will govern Cyprus. I also told him that
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1. What is the market’s perception of the Nivea family brand on each of the following dimensions? • Performance- Nivea-primarily through Nivea Crème-had acquired a unique‚ widely understood brand identity as “caretaker” of skin. Since 1911‚ Nivea has been making the first water-in-oil emulsion that is a reliable top selling product. They used superior and innovative ingredients. Consumers see Nivea as a quality brand. • Imagery- Nivea has a strong brand personality which is emotionally
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11 Things I Wish I knew About Woodworking When I First Started Woodworking is a rewarding and satisfying hobby that so many of us enjoy. As with any trade or skill‚ I have discovered many tips and tricks throughout the years that have greatly improved my abilities. The following list is eleven of the most useful things I have learned about woodworking. By becoming familiar with each one‚ you will save yourself many headaches. 1. Don’t Be Afraid to Ask for Advice Fellow woodworkers love to share
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How do I know what I know? Question 1: Which main questions‚ concepts‚ and theories of epistemology are dealt with by your selected philosopher? As a rationalist‚ Plato challenges inquiries of “what we know how we know” by centralizing the human mind (conscience and thought) as the essence of knowledge. Plato often debates using his deceased mentor‚ Socrates‚ to honour Socrates’ reputation as a valuable teacher. True knowledge can be rediscovered deep within the mind; otherwise known as
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