INTRODUCTION Definition of Credit Risk Credit Risk is the risk of default by borrower due to inability and/or unwillingness to repay his debts in accordance with the agreed terms and conditions. Factors determining Credit Risk The credit risk of a bank’s portfolio depends on both external and internal factors. The external factors can be economy wide as well as company specific. Some of the economy wide factors are: State of the economy Wide swings in commodity prices Fluctuations
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Roof Gardens: An Overview By Catherine McDonald July 22‚ 2009 Roof gardens have existed since ancient times. The first known historical references to such gardens were in ancient Mesopotamia‚ built from the fourth millennium until around 600 B.C. Today‚ roof gardens range from the humble (a small container garden) to the extravagant (an acre or more filled with several different styles of gardens). * Beyond just being aesthetically pleasing‚ roof gardens have practical benefits‚ too
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tables and figures may be smaller than that used in the text; however‚ use fonts smaller than 8 points or larger than 12 points PAGINATION: ______ Every page should be assigned a number ______ Page number should be in the same position‚ three fourths inch from the top edge and one inch from the right edge of the page SPACING: ______ Text must be double spaced ______ Triple space after the chapter / section number and after the chapter / section title ______ Triple space
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Brand Recognition in relation to Brand Loyalty Introduction “Brands are the most valuable intangible asset for companies” claims Bayu Sutikno of the University of Gadjah Mada in Indonesia (2011‚ p.319). The world is filled with brands and everyone is trying to portray a message. It is the job of the consumer to decide what brand they prefer and what brand they do not care for. Likewise it is the job of the marketer to persuade the behavior of the 7 billion consumers in the world everyday.
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Guidelines for Writing the Essays Essays will be graded on the following criteria: I. Organization (how well you structure your argument) a. You should have an introductory paragraph that briefly summarizes your answer to the question. b. The body of the essay should be logically organized to support your argument. Usually a topical organization is best. For instance‚ if the question asks you to talk about economics‚ politics‚ and social structure‚ a logical form of organization would be
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Bureau of Internal Revenue (Philippines) The Bureau of Internal Revenue (Filipino: Kawanihan ng Rentas Internas‚ or BIR) is an attached agency of Department of Finance. BIR collects more than one-half of the total revenues of the government. Functions The powers and duties of the Bureau of Internal Revenue are: Assessment and collection of all internal revenue taxes‚ fees and charges; and enforcement of all forfeitures‚ penalties‚ and fines connected therewith‚ including the execution of judgments
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peasant of his surplus produce (produce over and above the subsistence level) in the form of land revenue which was the main source of state’s income. Early British administrators regarded the land revenue as rent of the soil because they had a notion that the king was the owner of the land. Subsequent studies of Mughal India have shown that it was a tax on the crop and was thus different from the land revenue as conceived by the British. Abul Fazl in his Ain-i Akbari justifies the imposition of taxes
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Strategic Plan 2013-18. Osterwalder‚ A.‚ Pigneur‚ Y. and Clark‚ T. (2010) Business model generation: a handbook for visionaries‚ game changers‚ and challengers. Smith‚ I. (2003) Meeting customer needs. The Accounting Standards Board (2001) Revenue Recognition: Discussion Paper. Tilman‚ P. (2010) ‘Working with universities’ in The Innovation handbook: How to profit from your ideas and market knowledge. Intellectual Propert Office‚ 85-89.
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face recognition is as old as computer vision and both because of the practical importance of the topic and theoretical interest from cognitive science. Face recognition is not the only method of recognising other people. Even humans between each other use senses in order to recognise others. Machines have a wider range for recognition purposes‚ which use thinks such as fingerprints‚ or iris scans. Despite the fact that these methods of identification can be more accurate‚ face recognition has always
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Speech Persuasive Speech Guidelines Time Length: 5-7 minutes Topic: You will choose a topic for your persuasive speech. When considering a topic: ● will you have enough information to cover for the length of the speech? ● will your audience be interested in your viewpoint on this topic? ● will you enjoy researching this topic? Outline: Once you have received approval for your topic‚ you will need to create an outline. This will help you plan your research and delivery of your speech. Visual Aids:
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