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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Political History of Nepal - SLC notes POLITICAL HISTORY OF NEPAL DELHI AGREEMENT AND THE END OF THE RANARCHY. § The cruel Ranas ruled in Nepal for 104 years. Some of the people were well known about the cruel behavior of Ranas. These people got organized with each other and formed an army (liberation army). The liberation army captured the places of Terai like Bhairahawa‚ kailali‚ kanchanpur‚ Malangwa‚ Rangeli etc. and formed their own government. They created awareness among
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Victoria Perez Period 6 2/7/13 AP Green Analysis Rewrite Alfred M. Green’s speech is aimed to convince African Americans to be persistent in trying to enlist in the Union army during the Civil War‚ although they were not yet permitted to do so. To begin his speech‚ Green appeals to the patriotism of the African Americans. He wants them to prove to the rest of the world that while their country has treated them unfairly‚ what with slavery and segregation‚ they are still willing to fight and
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AN EVALUATION ON THE CLEANLINESS HABITS OF THE SSC-R HIGH SCHOOL STUDENTS A Thesis Presented to Mrs. Rachel A. Dimaandal of the High School Department San Sebastian College - Recoletos‚ Manila In Partial Fulfillment Of the Requirements in English IV By Wilan V. Principe Paulin Jian Bautista Jed Angelo Q. Joves Danical Rose Fortu Leo Anselmo Lalusis Jalillah M. Malic IV – St. Augustine March 2010 ACKNOWLEDGMENT The researchers would like to extend their deepest
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9/17/2013 CSS POINT A brief history of English literature Notes Note: This material is supposed to be original and authentic for the Subject English Literature. Although This Booklet is a complied work by The CSS Point. All contents have been collected from different internet sources. The CSS Point is not responsible for any fact/information mentioned in this booklet. Thank You http://www.thecsspoint.com info@thecsspoint.com English Literature | The CSS Point A brief history
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Whereas the cleanliness is relate well to the aspects in our life. There is some reason why cleanliness is important to our life. Cleanliness influences our health‚ controlling our mood and then keeps the relationship with our friends. The clothes and the pants which we wear must be clean so that no more germs that can affect allergy like irritation. The food and the drink which we consume must be clean from microbes to prevent risk of illness like stomach ache‚ diarrhoea and many more. Then‚ the
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1 Joe’s pizza parlor is attempting to minimize total inventory cost. The cost of each pizza is $1.25. The cost of capital is 18% and the physical cost of maintaining his pizza inventory is currently running at 2% of cost. Joe pays his secretary/bookkeeper $7.50 per hour. Joe’s secretary can place an order in 15 minutes with materials and overhead cost of $15.00 per order. Records show‚ weekly pizza sales as follows: Weekly Pizza Sales Week Sales(units) 1 475 2 515 3 525 4 500 5 485
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Is Environment Important? The environment is a big thing. It is basically everything around us and what we live in. We can be really bad to the environment because we are abusing it and its important that we take care of it. I think that its important that we are good to the environment. We are abusing the environment unfortunately. We are doing this by not recycling‚ using aerosol cans and wasting water and trees. We need to stop abusing it because if we don’t stop we will ruin it and the
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Exams are Less Important Than What You Think A lot of people fall into the trap of thinking that “A students” are highly intelligent. Just because some students get good grades in educational institutions‚ that doesn’t mean they always have a good ability in acquiring and applying knowledge and skills. When it comes to thinking critiqually‚ are exams an adequate from of assignment? Do they always give students an opportunity to learn? Well‚ at first‚ one may not realize that exams matter less than
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The Important Things What are the most important things in my life? Family is the number one most important thing in my life. My girlfriend‚ education‚ career‚ money and happiness are also very important to me in life. Without my family I wouldn’t be the person I am today. I couldn’t ask for better parents. And I have a little brother I wouldn’t be able to live without. My parents work very hard to provide a wonderful life for us. We really enjoy going camping and taking other vacations together
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