i probability of default pd and loss given default lgd

... application of statistical models estimate the probability of default of corporate clients in accordance with corporate credit portfolio of Habubank Since then, the proposed methodology and the ... estimate the probabilities of default of customers Key words: Probability of default of the customer, customer default, statistical models, Altman Z score, corporate clients, credit portfolio ... trả nợ - Probability of Default CHƢƠNG III DỮ LIỆU THỐNG KÊ III.1 Dữ liệu khách hàng default III.1.1 Thu thập liệu chọn mẫu Trong 06 tháng đầu năm 2011, số lượng khách hàng doanh nghiệp quan...

Ngày tải lên: 28/12/2013, 20:37

... application of statistical models estimate the probability of default of corporate clients in accordance with corporate credit portfolio of Habubank Since then, the proposed methodology and the ... estimate the probabilities of default of customers Key words: Probability of default of the customer, customer default, statistical models, Altman Z score, corporate clients, credit portfolio ... trả nợ - Probability of Default CHƢƠNG III DỮ LIỆU THỐNG KÊ III.1 Dữ liệu khách hàng default III.1.1 Thu thập liệu chọn mẫu Trong 06 tháng đầu năm 2011, số lượng khách hàng doanh nghiệp quan...

Ngày tải lên: 11/03/2014, 02:20

... estimation equation that complied with both economic intuition and positive statistical diagnosis (described in steps i to iii of section 5.2), and had the higher discriminating power was considered ... presented in the previous section All considered models are screened for statistical significance, economic intuition, and efficiency (defined as a parsimonious specification with high discriminatory ... consist of financial ratios that measure Profitability, Liquidity, Leverage, Activity, Debt Coverage and Productivity of the firm Factors that exhibit a weak or unintuitive relationship with...

Ngày tải lên: 04/10/2015, 10:39

... and LT is a loss function We investigate two different loss functions in this paper LogLoss is the negative log conditional likelihood of the training data: m ⋆ − log P(yi | xi , Yi ) LogLoss T ... investigate the effect of different loss ings of the 2nd Meeting of the North American Chapfunctions We observe that using a loss function diter of the Association for Computational Linguistics, ... Transcripts Published by Linguistic Data Consor2186 tium, Philadelphia Elizabeth Shriberg 1994 Preliminaries to a Theory of Speech Disuencies Ph.D thesis, University of CaliJohn J Godfrey and Edward...

Ngày tải lên: 20/02/2014, 04:20

... reconcile intragovernmental activity and balances with their trading partners This information included (1) the nature and a detailed description of the significant differences that exist between ... financial statements and underlying agency financial information and records Closed Treasury has policies and procedures for identifying and either resolving or explaining any material differences ... identifying and either resolving or explaining any material differences in undistributed offsetting receipt amounts between Treasury’s central accounting records and information reported in agency financial...

Ngày tải lên: 20/06/2014, 08:20

... cost of production and distribution and depends on the number of pages in the publication and whether the publication is printed in color or black and white Pricing and ordering information is ... Accountability Office, the audit, evaluation, and investigative arm of Congress, exists to support Congress in meeting its constitutional responsibilities and to help improve the performance and accountability ... make informed oversight, policy, and funding decisions GAO’s commitment to good government is reflected in its core values of accountability, integrity, and reliability Obtaining Copies of GAO...

Ngày tải lên: 20/06/2014, 08:20

... responsible for the impairment in deep inspirationinduced bronchodilation, in smokers and individuals with COPD A body of evidence has suggested that the effect of deep inspiration on the airways is ... the Istituto di Medicina Generale e Pneumologia, Palermo University, for potential participation in this protocol Exclusion criteria for participation in the study were a large involvement of ... diagnosis of COPD was made according to the diagnostic criteria of the GOLD (Global Initiative for Chronic Obstructive Lung Disease) guidelines [8] Several subjects with COPD were using bronchodilators...

Ngày tải lên: 12/08/2014, 18:21

... filtered out on the basis of their segmented mBAF values Evaluation and comparison of sensitivity and specificity using simulated Illumina data To investigate the sensitivity and specificity of ... CBS segmentation profile is superimposed in red Horizontal dashed line indicates position of 0.9 in mBAF and methods), is illustrated in Figure S1 in Additional data file To systematically evaluate ... effect of triplet filtering, we applied it to the paired urothelial tumors in data set We found that the addition of triplet filtering significantly improved the removal of non-informative SNPs (Figure...

Ngày tải lên: 14/08/2014, 20:22

... premature initiation of transcription elongation [137] The initiation and elongating phases of the transcription cycle are characterized by distinct sets of histone and Pol II modifications [19,151] ... HAT primarily responsible for the bulk of AcH4-K16 in vivo is likely to be MOF in mammals and Drosophila, and its homologue Sas2 in yeast MOF is H4-K16 specific and was originally identified in Drosophila ... [18–27] I will discuss in detail, however, the structural implications of the cycle of histone acetylation and deacetylation that accompanies cycles of transcription, and highlight the special significance...

Ngày tải lên: 14/02/2014, 18:20

... chlordane, dieldrin, diazinon, and parathion in carbon adsorption samples taken from other water sources The persistence of insecticides in soils will vary, in part, with the characteristics of the ... 19,59 CHISIIOLM, R D., ANI) L KUBLITSICY Accumulation and dissipation of pesticide Trans N Am Wildlife rcsiduc in soil Conf., 24th, 118-123 COHEN, J M., L J KAMPJIAKE, A E LEMKE, C HENDERSON, AND ... Toxaphene is given by estimate in metric tons and (technical)* Year 38.8( Z !I 2.3) 26.5(-1 1.8) 45.1( f 2.1) 63.3( IL 1.8) estimate statistics Diversified agriculture is practiced in the area,...

Ngày tải lên: 18/02/2014, 04:20

... System of Logic: Ratiocinative and by John Stuart Mill RATIOCINATIVE AND INDUCTIVE VOL I A SYSTEM OF LOGIC RATIOCINATIVE AND INDUCTIVE BEING A CONNECTED VIEW OF THE PRINCIPLES OF EVIDENCE AND THE ... axiom 199 14 CHAPTER III CHAPTER III Of the Functions, and Logical Value, of the Syllogism Sec Is the syllogism a petitio principii? 202 Insufficiency of the common theory 203 All inference is ... Preliminary Observations on Induction in general Sec Importance of an Inductive Logic 313 The logic of science is also that of business and life 314 20 CHAPTER II CHAPTER II Of Inductions improperly...

Ngày tải lên: 18/02/2014, 12:20

... immunoprecipitated with an anti-FGFR3 serum then immunoblotted with anti-ubiquitin and anti-FGFR3 sera (D) Disabling the c-Cbl ubiquitylating activity does not affect the ubiquitylation of the wild-type, ... membrane The E3-ubiquitin ligase c-Cbl is directly involved in the ubiquitylation of several RTKs [24–26,32] and may participate in the downregulation of FGFR1 via an indirect interaction with the phosphorylated ... maturation and distribution of the K650M mutant The kinase activity of FGFRs, including FGFR3 [37,38], is inhibited by SU5402, which binds to the kinases’ ATP-binding site [39] We therefore determined...

Ngày tải lên: 19/02/2014, 00:20

... domain is involved in protein–protein interactions with other hydrophilic domains of neighboring integral membrane subunits, and interspecies interactions are incompatible From the comparative ... subject to variations in gene expression, and it is still unclear how the level of a complex of 46 subunits is determined The activities of complex II and the downstream complex III of the electron ... I Experimental procedures Cell lines and cell culture The isolation and preliminary biochemical and genetic characterization of a series of respiration-deficient Chinese hamster mutant cell lines...

Ngày tải lên: 19/02/2014, 16:20

... Sequence similarity is graded from light grey (low similarity) to black (highest similarity) Functionally important residues involved in the catalytic mechanism are marked with an asterisk This figure ... belonging to class I of the superfamily of bacterial, fungal, and plant heme peroxidases In Fig the simplified inferred FITCH tree, is presented, and in Fig the same tree in a simplified form with ... their enzymatic activity and probably remained widespread only to stabilize the whole oligomeric protein In the course of evolution via (repeated) gene duplications, similar nonfunctional copies...

Ngày tải lên: 19/02/2014, 16:20

... dose-dependently to isolated recombinant CD11a and CD11b I domains The effective inhibition of binding of ICAM-4 positive red cells by anti-ICAM-4 antibodies, indicate a major role for ICAM-4 in binding of red ... ICAM/b2 integrin interaction Divalent cations may have multiple effects on integrinmediated cell adhesion including enhancement, suppression, and modification of ligand binding activity We have previously ... nonblocking Five CD11b I domain specific mAbs were tested for their ability to inhibit in solid phase assay MEM170, 44a and 107 were highly active inhibitors of the CD11b I domain GST interaction with...

Ngày tải lên: 20/02/2014, 11:20

... development Biochem Cell Biol 69, 96–101 Bradford, M (1976) A rapid and sensitive method for the quantitation of microgram quantities of protein utilizing the principle of protein-dye binding Anal Biochem ... search of he Conserved Domain Database (NCBI) the similarity of the two fasciclin domains in CLAP with other fasciclin I containing proteins is clear (Fig 9) Using BLAST (http://www.ncbi.nlm.nih.gov/BLAST) ... column in which fractions e and f showed identical elution characteristics using acetonitrile/trifluoroacetic acid as the eluent (data not shown and [24]) Activity of dimer and monomer forms of Artemia...

Ngày tải lên: 07/03/2014, 16:20

... trypsin digestion on the cis-side of the membrane The A B 4004 Fig Determination of the topology of PSI-G in the thylakoid membrane using in vitro import experiments (A) Insertion of Arabidopsis ... 0, 30 and 60 digestion with trypsin, probed with antibodies directed against PSI-G, PSI-K (intrinsic membrane protein, stromal loop), PSI-O (intrinsic membrane protein, luminal loop) and PSI-D ... topology of PSI-G and to test the feasibility of rescuing Arabidopsis PSI complexes lacking PSI-G with tagged constructs Successful introduction of a hexa-histidine (His)- or Strep-tagged PSI-G into...

Ngày tải lên: 07/03/2014, 21:20

... (1993) Characterization of cathepsin B specificity by site-directed mutagenesis Importance of Glu245 in the S2–P2 specificity for arginine and its role in transition state stabilization J Biol Chem 268, ... and by affinity purification, followed by elution of high proteolytic activity [18] This indicates that N-terminal and C-terminal truncation of rPhl p is a prerequisite for its proteolytic activity ... molecular size is indicated Fig Three-dimensional and Prosite motifs of CBDs, proteinases and expansins (A) The consensus pattern of bacterial CBD (I, Prosite PS00561) and CBDs of fungi (II, Prosite...

Ngày tải lên: 08/03/2014, 22:20

... Recombinant DNA Technology • Utilizes microbiological selection and screening procedures to isolate a gene that represents as little as part in a million of the genetic material in an organism ... the organism of interest is divided into small pieces that are then placed into individual cells (usually bacterial) • These can then be separated as individual colonies on plates, and they can ... lacZ mulitple cloning sites pUC ApR ColE1 origin of replication Lac+, or blue colonies on X-gal in appropriate strains of E coli High copy number foreign DNA lacZ pUC recombinant ApR ColE1 ori Lac-,...

Ngày tải lên: 13/03/2014, 18:39

... R Vile Middle Tennessee State University Diane E Wall Mississippi State University Mark David Welton United States Military Academy John Winkle University of Mississippi ix This page intentionally ... least a rudimentary understanding of constitutional law THE ADOPTION AND RATIFICATION OF THE CONSTITUTION The study of constitutional law begins logically with the adoption and ratification of the ... basic components: the institutional dimension and the civil rights/civil liberties dimension The former area embraces issues of presidential, congressional, and judicial power, as well as questions...

Ngày tải lên: 16/03/2014, 03:20