Rise in the 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
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Freedom Freedom isn’t what people think it is. People have the idea of peace freedom confused. In Roosevelt’s speech he says “an equally basic essential to peace is a decent standard of living for all individual men and women and children in all nations” (Roosevelt). Absolute freedom would be completely savage as stated in “Learned Hand’s I Am an American Day Address”. Freedom is ruthless and it is not one anyone would actually want. You might want to argue that freedom is what everyone wants. But
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Unless You Know Them I learned this lesson when I was just a young girl. I was in the 6th grade I think and it was these group of girls (preps) and they seemed that they were mean. I was new at the school and I really didn’t know the girls for myself so I just went with what everyone else was saying. A couple of months past and I haven’t talked to the girls because of what some of the other kids had told me. I finally got the courage to talk to the group of girls and when I did I came to the conclusion
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When I Learned to Play Baseball Shww! the door flew open “Hurry Aidan get ready for baseball‚” Mom yelled‚ “you’re going to be late.” I didn’t want to be late. It is only my first game and I would’ve already had a bad impression to my coach. Dad said‚ “You don’t want to be late for baseball‚ now do you?” “No why would I?” so I ran to my room. My room was so bright from the sun I had to squint my eyes. I put my stuff on. I could hear my brother yelling at my dad‚ it sounded like he was complaining
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As I thought back on how I learned to be a hard worker growing up‚ I would have to say I learned it from my mom. I grew up an only child with a single mother; it was only the two of us. She worked two jobs. One was on the night shift as a nurse‚ and the other was cleaning houses during the day. Therefore‚ I had to do my part around the house. She would show me first and then let me do it. I remember one time when I was little she taught me how to make the bed. She showed me how to pull the entire
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everyone gets the chance to be what they want to be. Not everyone is provided with an opportunity. I am lucky that I was given one and now I have to do my part by taking advantage of it. I know what I want to be and I’m certain that I want to be a successful computer science major. The moment I knew what I wanted to study in college was when my cousin Jonathan moved in with me and my family. I was eleven years old when Jonathan moved in with us‚ he was twenty years old. I had not made the transition
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amazing situations that would be easy for him to write about? What is the purpose of his choice of writing? 2. The Great Zucchini gives the reader a glimpse into the life of Eric Knaus; a professional children’s entertainer who’s knack for mesmerizing kids provides a stark contrast from his disheveled personal life. Where does Eric’s dysfunction stem from? What compelled him to choose his vocation? 3. In the book’s first essay "How I learned How to Write"‚ Weingarten gives the reader his philosophy
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Floods in Asia: Lessons to be learned from Thailand Said Irandoust‚ Asit K Biswas Special to The Nation January 25‚ 2012 1:00 am [pic] During the last year‚ many Asian countries have witnessed flooding‚ including Bangladesh‚ China‚ India‚ Japan‚ Laos‚ North Korea‚ Pakistan‚ Thailand‚ the Philippines and Singapore. The economic damage has varied significantly - minor in Singapore but very substantial in Thailand. The floods have once again brought the twin issues of disaster management and
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Frederick Douglass "How I Learned to Read and Write" During the 1800’s‚ the institution of slavery was still ongoing in the few slave states left in America. Slavery was still proving to be unjust and unfair‚ not allowing for African Americans to be considered equals. However‚ some slaves were able to overcome the many restrictions and boundaries that slavery forced upon them. In Frederick Douglass’ essay “Learning to Read and Write‚” Douglass portrays himself as an intelligent and dignified
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makalede yapılacak olan‚ Weber’in İslâm ve İslâm Hukuku hakkında ileri sürdüğü görüşleri çerçevesinde‚ öncelikle kadı adaleti kavramının muhtevasını göstermek‚ daha sonra eleştirmenlerce bu kavrama getirilen itirazları dillendirmektir. Son olarak Weber’in bu kavramının olabilirliği sorgulanacak ve eleştirmenlerin itirazlarının haklılığı irdelendikten sonra‚ kadı’nın keyfî ve öngörülemez bir hüküm vermesinin önündeki engeller sıralanacaktır. 1. Weber’in İslâm ve İslâm Hukuku Hakkındaki Görüşleri
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