otherwise would have been the case. (b) Granularity: This refers to a situation where the risk grading system at banks does not have the requisite capability to discriminate between good and bad risks. The consequence is tightening of Y. Srinivas (The author is Manager‚ Compliance Group at ICICI Bank. He can be reached at srinivas. yanamandra@icicibank. com) Small and Medium Enterprises (SMEs) play a very significant role in the economy in terms of balanced and sustainable growth‚ employment
Premium Credit Debt Bank
AGDA Practice Note Written Proposal Template Written Proposals We advise our members to always provide written proposals to your clients. While writing a proposal may seem like a challenging task‚ you will benefit from the exercise in many ways: • your clients will perceive you as professional – any client who wants to do business without something in writing should be informed it is standard professional practice‚ in keeping with the AGDA Code of Ethics • you will have legal protection
Premium Cost Costs
Enterprise Rent-A-Car‚ was founded by Jack Taylor in 1957 in a basement of a Missouri Cadillac dealership with only seven cars. Today‚ Enterprise has more than 800‚000 vehicles and nearly 7‚000 locations. Their main business activity is to provide rental vehicles to customers. This privately owned company‚ what is known to be America’s #1-car rental company‚ has dedicated themselves to creating the best customer service throughout their service line in addition to being successful in the industry
Premium Car rental companies Customer service Car rental
2012 International Financial Management 2012 INTERNATIONAL FINANCIAL MANAGEMENT ASSIGNMENT Topic - Case 1: Porsche Changes Tack Chapter 1: Globalization and Multinational Enterprise Lecturer: Dr. Mai Thu Hien Students Group 1: Dinh Hoang Anh - 0953040003 Le Thuy Anh – 0953040004 - Leader Nguyen Van Anh - 0953040005 Nguyen Mai Anh - 0953040006 Truong Thuy Anh - 0953040106 Le Duc Binh - 0953040008 FOREIGN TRADE UNIVERSITY FACULTY OF BANKING AND FINANCE 0 Hanoi‚ December 17th‚ 2012
Premium Porsche
Growing up in two worlds is essentially what it was‚ living in a country where English is the number one language and being raised by Mexican parents where Spanish is the only language used isn’t an easy task growing up. I would speak one language with my friends but a different one with my parents; I sometimes ask myself how the heck did I graduate high school? As a kid I confused words and sometimes my friends or family would look at me with confusion‚ only to find out that I was speaking “Spanglish”
Premium Spanish language English-language films Cognition
24/11/11 09:25 Owen used the natural world to achieve and explain to the reader that war was horrific. He wanted to write about this because he was a soldier and had experienced war himself and felt the need to write about his experience. The use of natural imagery also carries with it religious implications as he begins to express his doubt in his own faith. The theme of the natural world and the recurring theme of the sun helped him to achieve his thoughts because of the contrast between the
Premium Sun Nature Question
Around the year of 1920s‚ there were two types of schools in Americas education system. Generally‚ it consists of Public Schools and Private Schools. The Oregon School System does play a crucial role in their countrys education system‚ started from the year of 1922. A group of people which is also known as Ku Klux Klan and the Scottish Rite Masons had also involved in the formulation of educational system for the sake of the society in that time. They set the requirements of education for their young
Free F. Scott Fitzgerald Teacher Education
Society’s legal system before the 1700s was very different from what it is today‚ and punishment has made a huge turn around that is almost unbelievable to study. Criminals have gone from cruel and harsh punishment to obtaining on bail or just pay a fine for their crimes. In modern times‚ society is use to see criminals paying for their crimes in prison doing two years‚ 10 years‚ and sometimes life. The Prison system is very modern compare to the old punishment criminals use to obtain. Physical punishment
Premium Criminal justice Crime Prison
Struggles into Grammys Throughout Adele’s music career‚ she has had many ups and downs. She started her career at a very young age. She was certain about what she needed to do and how to accomplish her goals. Her name is now known around the world. She is one of the best in the singing industry. How did she get her start? How did she develop her unique style of music‚ and how did she turn her challenges in life into awards and number one hits? Adele Laurie Blue Adkins was born on May 5‚ 1988‚ in
Premium United States United Kingdom Michael Jackson
Red Hat Enterprise Linux 6 Logical Volume Manager Administration 1 Red Hat Enterprise Linux 6 Logical Volume Manager Administration LVM Administrator Guide Edition 1 2 Legal Notice Legal Notice Copyright © 2012 Red Hat‚ Inc. and others. T he text of and illustrations in this document are licensed by Red Hat under a Creative Commons Attribution–Share Alike 3.0 Unported license ("CC-BY-SA"). An explanation of CC-BY-SA is available at http://creativecommons.org/licenses/by-sa/3
Premium Logical volume management