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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Civil liberties over National security Multiple people have different opinions on whether National security is more important than civil liberties or Civil liberties is more important than national security personally Civil liberties is more important an example to show that civil
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My Most Cherished Possession Do you have something that is as valuable as a winning lotto or power ball lottery ticket‚ or an award that is displayed like it is worth more than an antique that has been appraised for a value that is exponentially more than its original value? I have such a possession that I would like to share with you. I am not going to tell you what it is right away‚ but I will describe it as best as I can and then reveal its’ beauty later. It is as translucent as water drops
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pain management. The nurses play an important role in the assessment and care of patients with pain. Pain is a big challenge for all clinicians because of its subjective nature. The nurse has to have a good understanding of the patient’s pain to do a good assessment and take good care of him or her. The first role of the nurse in pain management is the assessment. The nurse needs to understand and respect that the pain is whatever the patient says it is‚ that is why the symptoms and the managements
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senior in high school writing your college application essay and wondering whether or not you should put a comma or a period‚ or debating if you should use the word “your” or “you’re”. You would have known the answers to these questions but schools have stopped thinking of grammar as an important skill because of the newly advanced technology. Grammar is relevant in the twenty-first century and should be taught at all grade levels because grammar is an essential skill you your academic career‚ you are
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accountability for your equipment. Exercising accountability of your items or items that you are signed for allows you and your unit to operate at a high standard. Also this denies an unauthorized attempt or an enemy the chance to create a loss of mission success. Accountability is not a difficult concept to understand. Accountability can be defined as meaning what you say‚ saying what you mean‚ and doing what you say. In short you can say that it is taking responsibility of your words and actions
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people that are in possession of a gun. Many people believe a gun is to have just for safety but others use it as a sport. Guns have been around for ages and with time have became more and more popular. Due to their popularity they have caused millions and millions of deaths all around the world. Most criminals around the world that are in possession of a gun are the ones who have caused these tragedies. Our society would just have been better off without these weapons that have caused so many terror and
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And the most important lessons I learned from my parents are hard-working and honest. A hard-working characteristic is hard to be performed. Its characteristic is only for people who want to succeed in the future. If a person who has a hard-working characteristic‚ he or she can easily to succeed if he or she does something. For example‚ when my family was in Vietnam‚ we were very poor. My father had to ride a tricycle to earn money to support for the family from six A.M. to eight P.M. Why would he
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person you are destined to become is the person you decide to be.” (Ralph Waldo Emerson‚ Nature 58). Who have you decided to be? Anyone? No one? Most people don ’t realize that we have that choice. So‚ who have you decided to be? When thinking about that‚ don ’t just settle for the least you can be. Think big‚ dream big‚ it’s our choice to be who we want‚ why not do it? The word destiny has a definite deposition to the allusive meaning; all people interpret different understandings from this term
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the most useful and important scientific inventions known to ’man’. The microscope was invented by Anton van Leeuwenhoek during the seventeenth century. Leeuwenhoek was not a scientist by profession. Initally he made a living selling clothes and buttons‚ but spent his spare time grinding lenses and constructing microscopes of remarkable quality‚ such as the light microscope. The light microscope could magnify cells‚ for instance in plants so you could see a clearer and bigger picture of what they
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