... banks, the management oftherisk related to that credit affects the profitability ofthe banks The study evaluates the impact ofcreditrisk on profitability in Commercial Banks in Vietnam for the ... loss from credits, the more the banks gain .The profitability is the indicator ofcreditrisk management The central question is how significant is the impact ofcreditrisk management on profitability ... The other way around, if thecreditrisk management is poor, the profit level will be relatively lower Because the less the banks loss from credits, the more the banks gain Profitability is the...
... identify all creditrisk inherent in the products they offer and the activities in which they engage Such identification stems from a careful review ofthecreditrisk characteristics ofthe product ... assessment ofthe true risk profile ofthe borrower or counterparty At a minimum, the factors to be considered and documented in approving credits must include: • the purpose ofthecredit and source of ... ofthe bank The strategy should reflect the bank’s tolerance for risk and the level of profitability the bank expects to achieve for incurring various credit risks As with all other areas of...
... consider the degree oftheeffectof TARP on risk- taking based on the dollar amount ofthe capital infusion The TARP process of capital replenishment allowed the Treasury to determine the amount of ... information about how the banks changed the pricing on their loans along with therisk profile The nominal interest rate ofthe loan is one ofthe loan characteristics recorded in the STBL The respondent ... estimate oftheeffectofthe TARP infusions on the riskiness of loan originations, controlling for pre-existing differences across banks The coefficient measures how much the riskiness of lending...
... When these risk factors are combined, therisk is particularly high [risk rate = 25%, relative risk = 42 times higher] The following weaknesses of our study were recognized Firstly, all ofthe ... take place as a result ofthe following thermal osteonecrosis ofthe underlying bone [2, 10] Both of these complications are unique to hip resurfacing procedures and neither occurred in stemmed ... by changing the types and thresholds of these variables in order to find the best regression model to predict the early femoral failures The final regression model determined whether these five...
... in dairy cows: Risk factors and effects 55 placenta among individual farms were compared using the chi-square test Evaluation oftheeffectof retained placenta on the occurrence of reproductive ... between the two groups using the chi-square test, or Fishers exact test when frequencies were too low (< 5) to use the chi-square Statistics were performed the SAS program Evaluation oftheeffectof ... greater (p < 0.01) in the retained placenta group than in the control group However, the occurrence of ovarian cyst was not different (p > 0.05) between the two groups Theeffectof retained placenta...
... feat The level of participation [in QIS5] was almost 70% of all the companies expected to fall underthe scope of Solvency II They have shown their ability to the calculations already and while there ... increases theriskof forced selling if the countercyclical premium is not invoked or is less than anticipated.” Mr Jones ofthe CEA is particularly concerned about the design ofthe package of tools ... to counter theriskof default we have seen the introduction of mandatory standards in the form of counterparty and collateral arrangements All of this is new, and in addition to the Solvency...
... problem in previous literature is the fact of considering only one ofthe channels in the regression (either the change, which given the MASTER THESIS: THEEFFECTOF EDUCATION ON ECONOMIC GROWTH ... difficult the interpretation ofthe results of econometric analysis The fact that people able to attain a higher level of schools have other competences that makes them earn more during their working ... since it was the one that gave the best results above The estimations are shown in Table MASTER THESIS: THEEFFECTOF EDUCATION ON ECONOMIC GROWTH 17 We can see that the results for the male individuals...
... corresponding to the UV dose delivered However, the gradient ofthe change in inactivity varied in the case ofthe pulse lamps with 80 mJ/cm2 as the turning point Fig demonstrates that the pulse lamps ... Comparison ofthe lamps in turbid water samples The inactivation effects ofthe lamps on turbid water with the excystation and the cell culture methods were compared Fig shows that, concerning the inactivation ... Inactivation effectofthe lamps using the cell culture method 3) Comparison ofthe evaluation methods used The experiment results (Fig 6) show that the sensitivity to UV was highest when the cell...
... the fuel cell relies on the ambient relative humidity and water production in the cathode for the humidification ofthe membrane; (x.) the circulating ambient air facilitates the cooling ofthe ... well as the amount of liquid water present to the amount of water undergoing phase change In the present work, the procedure of Berning and Djilali [15] was used to account for the magnitude of phase ... [W/m2] and the specific surface area [m2/m3] ofthe porous medium [17] Hence, the unit of β is [W/m3] The gas phase and the liquid phase are assumed to be in thermodynamic equilibrium, i.e., the liquid...
... depth) The objective of this work is to investigate theeffectof brine depth on the productivity and efficiency of solar still under laboratory conditions Table shows a summary of some ofthe studies ... that of greater thickness, but the productivity diminishes rapidly after turning the heaters off On the other hand, the still with the higher brine depth has a larger production during the period ... as nocturnal production in the outdoor tests) These values are the initial value ofthe production line in the figures This may be due to the large thermal capacity of water, which is directly...
... across the orifice plate, to measure the pressure difference inside the inlet pipe and the atmosphere The coefficient of discharge ofthe orifice is determined experimentally to be 0.603 Simple software ... DF without EGR They concluded that the use of EGR with biodiesel was able to reduce NOX emissions at the expense of increase in smoke, CO and unburned HC emissions The aim ofthe current study ... amount in the blends More amount of CO2 in the exhaust emission is an indication of complete combustion of fuel [13,21] The CO2 emission of DF increased slightly, when EGR was operated While, the CO2...
... communications – The Morgan Kaufmann Serries in Networking Editor – 2nd Edition 17 ROHDE & SCHWARZ - SOUND and TV BROADCASTING – CCIR and FFC tv standards – Printed in the federal republic of Germany ... structure, channel coding and modulation systems for Broadcasting, Interactive Services, News Gathering and other broadband satellite applications (DVB – S2) 14 Tim Williams – EMC for Product Designers ... Estd: cƣờng độ điện trƣờng đƣợc chuẩn hóa theo khoảng cách tiêu chuẩn (dBuV/m) để so sánh với giới hạn phát xạ - Emea: cƣờng độ điện trƣờng đo đƣợc theo khoảng cách đo thực tế (dBuV/m) - dmea:...
... Inc The second part ofthe diagram shows how the code bits would be set when one ofthe TCP entities wants to indicate the end ofthe session to the other TCP entity The FIN bit is set to the ... reflecting the fact that 1460 bytes of data plus the 20 bytes in each ofthe IP and TCP headers and the 18 bytes of Ethernet header and trailer will total 1518 bytes This is the maximum size of an Ethernet ... types of error detection schemes that we will study The first of these is the detection of an individual bit that is corrupted This is usually the responsibility ofthe receiving interface card The...
... tracer off ofthe jack after removal from the liquid (as in the first test conductors) As you can see below, the label to the jack wiring scheme was completely tinted blue from soaking None ofthe ... was absorbed by the conductors themselves Above are all pairs ofthe competitor sample It would be fair to say that none ofthe solution absorbed was attributed to the conductors themselves No ... movement ofthe cable away from the contact itself These ribs also help to seal the insulation around the conductor The IDC, or Insulation Displacement Contact, does just that It displaces the FEP...
... factor equal to the square root ofthe ratio ofthe trading frequency ofthe stock to that ofthe market Furthermore, the residual return above this benchmark is proportional to the stock’s trading ... return proportional to the traditional beta ofthe stock, further enhanced by the square root ofthe ratio ofthe stock’s trading frequency to the trading frequency ofthe market This relation ... away the market component of any stock S, its excess return less βSM times the excess return ofthe market is proportional to the component ofthe volatility ofthe stock orthogonal to the market...
... Inc The second part ofthe diagram shows how the code bits would be set when one ofthe TCP entities wants to indicate the end ofthe session to the other TCP entity The FIN bit is set to the ... reflecting the fact that 1460 bytes of data plus the 20 bytes in each ofthe IP and TCP headers and the 18 bytes of Ethernet header and trailer will total 1518 bytes This is the maximum size of an Ethernet ... types of error detection schemes that we will study The first of these is the detection of an individual bit that is corrupted This is usually the responsibility ofthe receiving interface card The...
... Owen , The Send Off) The above extract from the poem The Send Off, the soldiers are given flowers by their women These flowers carry the important symbols in them In the soldiers departure, the ... existence of things is by seeing them With the help of light, we can see other things, so that in the light, we can have the realization of life That makes the image of light in our mind the image of ... that the light ofthe match is very strong and bright In the above poem by Coffin, the light of a match symbolizes the love of one father for his son He lights the match on a very dark night The...
... houses are grown up a lot.Morever, the growth of economy has given a lot of advantages by making people richer, healther, and freer to enjoy their lives.I always pride of my city whenever I talk about...