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    Bank Credit Risk Management

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    1: Credit risk concentration by industry on average (2002-2006) 13 Figure 2: Major industry concentration (2002-2006) 14 Figure 3: Total impaired assets (on and off balance sheet) 16 Figure 4: ANZ ’s impaired assets and provisions (2002-2006) 16 Figure 5: Banks: Impaired assets 17 Figure 6: ANZ ’s provision (2002-2006) 18 Figure 7: Total specific provision as percentage of total impaired assets 18 Figure 8: ANZ ’s total write-offs (2002-2006) 19 Figure 9: Write-offs by real estate-mortgage

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    Introduction The parade of corporate accounting scandals of the last decade‚ with lion’s share occurring in 2002‚ has developed deep antipathy and distrust towards corporations and their reporting practices‚ and casted doubts on the opinions of audit firms. As majority of these accounting frauds occurred in the US (See Appendix)‚ there was a widely-held view that rules-based accounting standards have allowed failure of large corporations like Enron and World Com‚ since US GAAP is perceived to

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    Begley‚ S. (19 March‚ 2007). Beyond Stones & Bones. Newsweek. Retrieved March 24‚ 2008‚ from http://www.sks.sirs.com Bryant‚ P (2002). Biodiversity and Conservation. Retrieved April 27‚ 2008‚ from http://www.dbc.uci.edu/~sustain/bio65/lec02/b65lec02.htm Douglas‚ K (11 Mar‚ 2006). Evolution and Us. New Scientist. Retrived March 26‚ 2008‚ from http://www.sks.sirs.com Higgins‚ L (2002). Biological Evolution. Animal Sciences‚ Retrieved March 24‚ 2008‚ from http://infotrac.galegroup.com/itweb/omah25471 Magner

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    Sarene Su Acct 597 First Draft INTRODUCTION BACKGROUND AND HYPOTHESIS Going-Concern Opinions and Bankruptcies Auditors can make two types of misclassification errors regarding going concern Auditor’s Dilemma on the Issuance of Going-Concern Opinions Although SEC and other legislative bodies have provided significant litigation relief to auditors making Type II misclassification errors‚ the cost of making Type II misclassification can still be quite large (Geiger and Raghunandan)

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    Composition and Performance of Exports of Bangladesh Export Earnings and Export Growth The export sector performed rather well throughout the 1990s. This sector achieved a growth rate of 37.04% in the FY 1994-95. During the twelve years‚ 1991-92 to 2002-2003‚ Bangladesh experienced

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    Idk Maybe

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    References: 1. Volume 4‚ Number 12 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. Bonne‚ J. (2002). The airline business doesn’t work … but low-cost‚ short-haul airlines are changing the equation. MSNBC‚ 5 December 2002. http://www.msnbc.com/news/843222.asp?cp1=1 [Accessed 10 September 2003] Fleming‚ G. (2003). Class notes for venture capital and private equity course (FINM7040) Canberra : The Australian

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    Databases/Expanded Academic ASAP/[2002‚ Oct. 17] Esler‚ D Fox‚ L. (2002) "Airlines Push Online Sales" Travel Trade Gazette UK and Ireland‚ [Electronic]‚ p.15‚ ISSN. 02624397‚ Available: Proquest Databases/Expanded Academic ASAP‚ Library [2002‚ Oct 21] Klein‚ S.; Loebbecke‚ C McCarthy‚ J. (2002) "Troubled Travels"‚ Info World Media Group Inc. [Electronic]‚ vol.24‚ iss. 35‚ p. 45‚ Available: Proquest Databases/Expanded Academic ASAP[2002‚ Oct 21] Pappas‚ G Parts Base (2002) "Success Factors for B2B Aerospace

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    Crm in Supermarkets

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    Issue 6‚ pp 22-26 G Garry‚ Michael (2002)‚ “Shedding Light on Data‚” Supermarket News‚ Fairchild Publications‚ July 1‚ 2002 H Heller‚ Walter (2002)‚ “Promotion Pullback‚” Progressive Grocer‚ March 11‚ 2002‚ p.19 F J Flavián‚ Carlos‚ Eva Martínez‚ and Yolanda Polo (2001)‚ “Loyalty To Grocery Stores In The Spanish Market Of The 1990’s‚” Journal of Retailing L R Lee‚ Jennifer (2002)‚ “Spam: An Escalating Attack of the Clones‚” The New York Times‚ June 27‚ 2002 M Marketing (2000)‚ “Staff Are The Key

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    exercises (Betancourt‚ Green‚ &Carrillo‚ 2002). Businesses can hire and promote staff from diverse cultures (Betancourt et al.‚ 2002). Involve community representatives in health care organization’s meetings (Betancourt et al.‚ 2002). Having interpreter services available and developing health information for patients that is directed to language and cultural norms of specific cultural groups are also ways to become more culturally competent (Betancourt et al.‚ 2002). Communities/organizations can also

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    (Kettner‚ 2002). The criteria of the multiple raters’ element of the system are exactly as it sounds‚ a good system has multiple perspectives for a rating system (Kettner‚ 2002). Within the element of rater feedback‚ the criterion is that feedback is provided to raters about their rating skills (Kettner‚ 2002). For the element of rater training based on feedback the criteria once again just as it sounds; the system provided training to raters based on the feedback that they receive (Kettner‚ 2002). As

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