Loan Portfolio Management Introduction Background: L ending is the principal business activity for most commercial banks. The loan portfolio is typically the largest asset and the predominate source of revenue. As such‚ it is one of the greatest sources of risk to a bank’s safety and soundness. Whether due to lax credit standards‚ poor portfolio risk management‚ or weakness in the economy‚ loan portfolio problems have historically been the major cause of bank losses and failures. Effective
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Would we be better off without our emotions so that all of our knowledge and opinions were based on reasoning? “There can be no knowledge without emotion. We may be aware of a truth‚ yet until we have felt its force‚ it is not ours. To the cognition of the brain must be added the experience of the soul”. Arnold Bennett there is a strong belief that decision should be based upon reasoning rather than emotions but where does this reasoning come from? Emotions are always primary‚ after one sorts
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Negotiating with the Chinese: A Socio-Cultural Analysis Pervez Ghauri Tony Fang China has been one of the most favorite markets for Western firms for the last decade. However‚ doing business with China is considered difficult‚ mainly because negotiating with Chinese counterparts is quite complex. This paper analyses the negotiation process with China from a socio-cultural perspective. A Swedish multinational‚ Ericsson‚ is followed for several years and its negotiation process for different Chinese
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Alvin York was arguably one of America’s most decorated World War I soldiers. Sergeant York is a movie about his life and heroic acts. He struggles between his religious beliefs and patriotic duty. Originally from a small town in Tennessee‚ the movie starts by depicting York as a young farmer supporting his mother and siblings. He works very hard on the farm‚ so when he was denied a very good piece of land he almost takes out revenge. When he gets struck by lightning during a rainstorm‚ he goes
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the experiment. Dear friends‚ I think that all of you agree that the purpose of going to school is to learn. To learn well‚ our mood has to be at its best state as possible. Sleep enough‚ eat nutritious healthy food are the best options to gain better mood. Without these conditions‚ our mind won’t focus; the worst case is that we can even fall asleep‚ while our teachers tire themselves explaining what’s needed to be learnt. The problem is that we have to wake up latest at
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Benefits of Gay Marriage in New York Just recently our nation has taken initiative into changing the gay rights that our nation lacks by repealing the Don’t Ask Don’t Tell policy that was established in 1993 by our former president Clinton. In the United States there are only five states‚ not including District of Columbia‚ that have legalized same sex marriage. Lawmakers ignore the fact that legalizing gay marriage has economical benefits. If the state of New York were to make gay marriage
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Impact of Culture on Negotiating Styles: in Relation to Hofstede’s Dimensions of National Culture Abstract An effective business negotiation is very significant in achieving a successful business relationship. As the businesses expand globally‚ so do the conflicts between the interacting parties. These conflicts only get amplified if the interacting parties are from different cultural background. An individual ’s cultural background plays a big role in his perception‚ which affects his
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The New York Draft Riots of 1863 In the summer of 1863 New York experienced one of the most violent protests in the American history. The riots were mainly in reaction to the Union draft for the Civil War‚ which Abraham Lincoln enacted when volunteers began to run out. The riots lasted for five days‚ and the mob consisted of almost 50‚000 angry men who opposed to the Civil War‚ draft and Emancipation Proclamation. This paper will discuss how the Irish immigrants in New York affected the draft
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New York City VS Miami Although both cities are big‚ there’s nothing else in the world that makes me feel more at home. New York City and Miami‚ FL have both been the only to cities that I have been back and forth with. Usually for the summer or whenever I have school I stay in Miami‚ but then when it comes to the fall or winter season‚ I take a nice trip to New York City. Picking between the two would only cause for me to lie about my answer because I love both places. They’re both
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fDEFINING A PERSONAL LOAN Personal loans are not restricted in terms of how the money is used. They can be used for anything from a holiday to a relatively huge purchase to paying off other urgent bills. Definition: A personal loan is a kind of unsecured loan which can be used for any purpose that the borrower deems necessary. An unsecured loan is an umbrella term used for loans which do not require collateral. Banks‚ credit unions‚ and other financial institutions offer personal loans on an ongoing basis
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