Capital adequacy ratio (CAR) also called Capital to Risk (Weighted) Assets Ratio (CRAR)[1]‚ is a ratio of a bank’s capital to its risk. National regulators track a bank’s CAR to ensure that it can absorb a reasonable amount of loss [2] and are complying with their statutory Capital requirements. Capital (Finance) In a fundamental sense‚ capital consists of anything that can enhance a person’s power to perform economically useful work. A stone or an arrow is a capital for a caveman who can
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benefits and efficiency. Due to its inability to biodegrade‚ the toxins released during its production prompted new policies for a safer environment. The town of Amherst banned use of styrofoam in all sorts of businesses‚ especially in the food services which heavily rely on this product. This product causes a lot of environmental damage where non-degradable products are excreted into the
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EFFECTIVENESS OF COMMERCIAL ANTACIDS INTRODUCTION pH is a measure of the acidity or basicity of an aqueous solution. Pure water is said to be neutral‚ with a pH close to 7.0 at 25 °C (77 °F). Solutions with a pH less than 7 are said to be acidic and solutions with a pH greater than 7 are basic or alkaline. An antacid is a substance which neutralizes stomach acidity. Antacids perform a neutralization reaction‚ increasing the pH to reduce acidity in the stomach. When gastric hydrochloric acid reaches
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QANTAS DISPUTE On October 22nd‚ 2001‚ the Industrial dispute between QANTAS and its employees was initiated with the offering of a new Enterprise Bargaining Agreement. This proposed an 18-month wage freeze for employees plus a sliding scale profit share scheme. Ten out of twelve unions under QANTAS accepted the terms of the agreement‚ barring the unions of manufacturing employees (AWU and AMWU). They were holding out for a 4-6% pay rise. On the 8th May 2002‚ some ten months later‚ the dispute was resolved
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CO-OPERATIVE SOCIETY ▪ Meaning ▪ Features ▪ Merits ▪ Demerits ▪ Rights ▪ Duties ▪ Powers & functions ▪ Suitability ________________________________________________ FORMS OF COMMERCIAL ORGANISATION SOLE TRADING CONCERN I.Meaning A Business Organization which is owned and managed by a single person with or without the help of family members is called as sole trader or sole proprietor. The sole trading concern is run on the principle “All is he and he is all in
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for $490 would take delivery 7 days later. HERE THERE IS AN OFFER AND ACCEPTANCE... AGREEMENT IS PRESENT... IS THERE CONSIDERATION? YES‚ EXECUTORY. THERE IS AN EXCHANGE OF PROMISES... A BENEFIT FOR BOTH PARTIES – THERE IS ALSO INTENTION AS IT IS A COMMERCIAL AGREEMENT – EDWARTD V SKYWAYS - When Dim came to pay and collect the oven 7 days later‚ Siti refused to hand over the oven telling hthat the price was now $550. Dim called Siti a cheat and wants to sue her. SITI IS IN BREACH OF CONTRACT Advise
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Does True Love Exist? "I love you." These three little words might possibly be the most powerful statement one can make to another person. In life‚ most yearn for the intimate affection that a certain someone can provide them. Women dream of their Prince Charming to come and sweep them off their feet‚ while men search for the love of their life that sets their heart on fire. But what happens when love is thrown around without a second thought? Has this four letter word become an overused cliché
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alternative dispute resolution and explain its advantages and disadvantages Alternative Dispute Resolution Alternative Dispute Resolution (ADR) includes methods of processes and techniques that are used to resolve disputes or disagreements outside the jurisdiction of the law. As explained by Paul Latimer (p 51 of the Australian Business Law CCH Handbook 2006) The Alternative Dispute Resolution Association of Australia has defined ADR as meaning ¡§dispute resolution by processes: a) which encourage
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Kuril Islands Dispute between Russia and Japan One of the most significant discussions between Japan and Russia is the Kuril Islands issue. The disputed islands are currently under the Russian administration‚ but Japan claims them as its own. Over the past century this issue is the major obstacle to obtain complete ratification of Japan – Russia relations and sign a peace treaty between them. Despite the fact that there have been many efforts to change the situation between Russia and Japan‚ it
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alternative dispute resolution (ADR)‚ a way of resolving disputes between two or more parties. A third party‚ the mediator‚ assists the parties to negotiate their own settlement (facilitative mediation). In some cases‚ mediators may express a view on what might be a fair or reasonable settlement‚ generally where all the parties agree that the mediator may do so (evaluative mediation). Conciliation: An alternative dispute resolution (ADR) process whereby the parties to a dispute (including future
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