overview of loans to insiders

... years of the auditor-customer relationship as the new auditor becomes familiar with the customer’s operations (Arel et al., 2005) Therefore, it cannot use the mandatory rotation of auditors as ... other factors It is clear that policy of mandatory rotation of auditors as a way to counter the perception that long-term relationships between auditors and their clients impair auditor independence ... 2002, which refers to the mandatory rotationof auditors from five to seven years (SOX, 2002, section 207) However, there is no agreement among researchers about the impact of auditor tenure on audit...

Ngày tải lên: 06/01/2015, 19:42

... similar to DTMF, but it utilizes a different set of frequencies As with DTMF, MF tones are sent in-band But, instead of signaling from a home to an end office switch, MF signals from switch to switch ... variant of SIP or ISDN User Part (ISUP) over IP—a portion of SS7 running on top of IP—will be the primary protocol The MGCs have a connection to the IN (described earlier in this chapter) to provide ... needed only one cable to the centralized switch office, instead of seven At first, a telephone operator acted as the switch This operator asked callers where they wanted to dial and then manually...

Ngày tải lên: 30/09/2013, 05:20

... also able to accomplish much of this improvement in tomato “germplasm.” A good example is heirloom tomatoes, which have been passed down for generations 1 Overview of Plant Biotechnology 11 The ... has a longer shelf life in storage, and second, the fruit of this tomato could be left on the plant until optimally ripe Because of these attributes, FlavR Saver tomatoes are sold for premium prices ... development of green revolution crop plants and of faster growing, higher yielding forest trees; (3) improvements in the postharvest storage and handling of crops; (4) the use of plant hormones to improve...

Ngày tải lên: 25/10/2013, 05:20

... combination of debit and credit cards is the most common type among customers; 46.5% of them have both types of cards 3.8% of the customers only have a debit card, while 18.3% of the customers only ... and loan officer These data thus provide an ideal opportunity to investigate the sources of value of relationships from being able to collect more information on a customer Our first set of tests ... many of the existing customers have been customers of the savings banks for a substantial period of time For example, 47.6% of the loan applicants have been customers of the savings banks for...

Ngày tải lên: 16/02/2014, 06:20

... Toxics: 12,000 to 20.000 tons; and o Methane 1.0 to 1.7 million short tons [about 19 to 33 million tonnes of CO2 equivalent (CO2e)] Today’s action continues EPA’s efforts to support responsible ... air toxics standard for major sources of oil and natural gas production; and an air toxics standard for major sources of natural gas transmission and storage The Clean Air Act requires EPA to ... Constitution Avenue, NW, Washington, DC Hours of operation are 8:30 a.m to 4:30 p.m eastern time, Monday through Friday, excluding federal holidays • Visitors are required to show photographic identification,...

Ngày tải lên: 15/03/2014, 20:20

... combination of debit and credit cards is the most common type among customers; 46.5% of them have both types of cards 3.8% of the customers only have a debit card, while 18.3% of the customers only ... source of personal and consumer loans, understanding the role of bank and retail depositor relationships is important We ask both, how and what kind of relationships matter in the granting of loans, ... monitoring based on private information as well as reduced incentives to default by the customer To the best of our knowledge, these results are new to the literature and illustrate the value of...

Ngày tải lên: 22/03/2014, 21:20

... prognostic value of quality of life scores: preliminary results of an analysis of patients with breast cancer Surg Today 2000, 30:255-261 Butow PN, Coates AS, Dunn SM: Psychosocial predictors of survival: ... Physical aspects of QOL were significantly related to survival The change in scores of both overall QOL and the physical aspects of QOL were also significant predictors of survival Butow et al [54] ... factors and duration of survival or time to relapse They did not collect data on health-related quality of life but concluded that, although these factors may contribute to the initiation of...

Ngày tải lên: 18/06/2014, 19:20

... Association of German Engineers [VDI] [2] It applies to the monitoring of ecological effects of GMP, but does not address possible effects of GMP on human health Contrary to the directive of the European ... appropriate tool to achieve these goals is the implementation of a web-based GIS that contains relevant geodata and offers tools for integration of information of related environmental monitoring ... existing biotopes of wild and endangered species According to Section 34a of the BNatSchG, the use of GMP has to be accompanied by an environmental impact analysis of possible risks like it has to be...

Ngày tải lên: 20/06/2014, 20:20

... Association of German Engineers [VDI] [2] It applies to the monitoring of ecological effects of GMP, but does not address possible effects of GMP on human health Contrary to the directive of the European ... appropriate tool to achieve these goals is the implementation of a web-based GIS that contains relevant geodata and offers tools for integration of information of related environmental monitoring ... existing biotopes of wild and endangered species According to Section 34a of the BNatSchG, the use of GMP has to be accompanied by an environmental impact analysis of possible risks like it has to be...

Ngày tải lên: 21/06/2014, 17:20

... Shorthorn induces a reduction of diversity equal to the sum of the reductions caused by the loss of each of these breeds This property of additivity is related to the degree of ’independence’ between ... definition of it will be restricted to the lowest criterion; unique, This leads to the recursive one (minimum of i.e precisely to that equal to (2), According V(S) V’ V), definition of the Weitzman ... twigthe elements of the set S and the nodes are the unknown ’ancestors’ The different steps of the algorithm to be applied recursively are (beginning with the value of diversity set to zero): i)...

Ngày tải lên: 09/08/2014, 18:22

... chronic hepatitis B: when to start, what to start with, and when to stop Hepatol Int 2008, 2: S19-S27 29 Lau JYN, Bain VG, Naomov NV, Smith HM, Alexander GJ, Williams R: Effect of interferon-a on hepatits ... support advantage of one therapy to be more effective than the others However, the response rate of 30-40% was reported by the administration of IFN-a for 6-12 months as compared to 10-20% in controls ... administration of 5MIU of recombinant IFN-a-2b for four months lead to response in 44% of Pakistani patients On the other hand, Zuberi and colleagues [32] described an increased treatment response of 51.9%...

Ngày tải lên: 11/08/2014, 21:21

... Redundancy amounts to the similarity of a finding with respect to other findings and measures to what degree a finding follows from another one Usefulness relates a finding to the goal of the users ... is assumed to be non-trivial, that is, to have some degree of search autonomy  Validity: The discovered patterns should be valid on new data with some degree of certainty A measure of certainty ... expressions in L to a partially or totally ordered measure space MU: hence, u = U(E, F)  Ultimately Understandable: A goal of KDD is to make patterns understandable to humans in order to facilitate...

Ngày tải lên: 17/10/2014, 07:23

... Bạn install Windows Server hay Windows XP Professional, Windows 2000 Professional hay NT Workstation install Win 98 family Vì đặc điểm sản phẩm Microsoft dễ install nên không trình bày chi tiết ... Start, Stop SQL Server services dễ dàng cách double-click vào icon Một chút kiến thức Version SQL Server SQL Server Microsoft thị trường chấp nhận rộng rãi kể từ version 6.5 Sau Microsoft cải ... Analysis Service bạn thích Ở hình Installation Definition bạn chọn Server and Client Tools Sau bạn nên chọn kiểu Custom chọn tất phận SQL Server Ngoài nên chọn giá trị mặc định (default) Ở hình Authentication...

Ngày tải lên: 25/08/2012, 09:00

... methods of exploration, such as SPT, CPT, etc to establish stratification of the subsurface materials, the profile of the top of bedrock and bedrock quality, depth to groundwater, limits of types of ... >4320 ksf 85 to 175 ksf 2160 to 4320 ksf Relative Rating 15 Drill core quality RQD 90% to 100% 20 >10 ft 30 20 to 45 ksf 520 to 1080 ksf 75% to 90% to 10 ft 25 Relative Rating Spacing of joints ... sliding, an ASD safety factor of 1.5, corresponding to a resistance factor of approximately 0.9 Calibration by fitting to ASD controlled the selection of the resistance factor in cases where statistical...

Ngày tải lên: 06/09/2012, 15:57

... 1950s, research teams started to develop laboratory tests in order to predict tumor reaction to cytostatic drugs [5] They used fresh cancer tissue and examined the effect of the drugs on tumor cell ... beginning laboratory techniques were still in their infancy Short term cell cultures of cancer tissues were difficult to perform and procedures varied from laboratory to laboratory However, the ... alpha-fetoprotein (AFP), found their way at an early stage into clinical laboratories Many others have followed in the meantime However, most of them are not tumor specific The use of changes of serum...

Ngày tải lên: 25/10/2012, 11:10

... lot of time to capture the market share and get the belief of customers here • Supply system: KFC has a chain of store in HCMC and a team of deliverer They will bring the products to customers’ ... closing stores — 150 of them worldwide in the first half of this year, the most closures of any Yum brand After store openings, its U.S store-count shrunk by 40 stores But KFC may be ready to increase ... cities of Vietnam KFC was in HCMC rather early In the first period of time, KFC tried to build the branch name, create the store system, and a lot of marketing actions to bring their image to customers...

Ngày tải lên: 04/04/2013, 08:21

... role of tourism in Ho Chi Minh City as well as it affirms the development of “the Vietnam’s tourism of the new millennium.” Advantages of tourism development in Vietnam As we know to develop tourism ... the ability of the tourism sector to learn from other countries in the region, which have developed sustainable types of tourism Disadvantages of tourism development in Vietnam Because of the growing ... every step Others products of Vietnam tourism to the ground level of the tourism product of the region and the world Consolations Today tourism has become a popular demand of all citizens in countries...

Ngày tải lên: 05/04/2013, 11:29

... directly to big accumulation of 12 months The growth of total profit showed that the Department has continuously made an effort to diversify the variety of services to meet and satisfy better customers’ ... of the bank to more customers In addition, the branch has to have clear fee, price, policies of products and services, customer policies and has professional staff to present to customers these ... directly contribute to proceed non – cash payment scheme in society According to statistics of State Bank of Vietnam, up to 1st quarter of 2010, non – cash payment made up 85% of total banking payments...

Ngày tải lên: 09/04/2013, 20:11

... variations of the activity have been included 2.3.2.1 Cartoon categories * Aim: To increase awareness of the subject matter of British cartoons; to compare British cartoons with cartoons in the ... complete set to each group of students * In class: Divide the class into groups of three or four, and give each group a set of cartoons Tell the students to look carefully at the cartoons and to group ... as a topic of discussion is the relationship between knowledge of a foreign language and knowledge of the culture It is likely that the question of “culture” is often regulated to the end of a...

Ngày tải lên: 17/04/2013, 10:12

... INTERVIEW QUESTIONS According to the purpose of the report, we had to go out to carry out our interview with the foreigner tourists We had to spend two days in the OldQuarter to it Before carrying this ... where have many tourist drinking beer there, very famous street with tourist We ordered a bottle of orange juice, drank and wait for a chance to access tourists And we got it Most of tourists here ... return to Hanoi for a second visit? Background a Chart of Nationality This pie chart shows us the Nationality of the tourist coming to Vietnam at this time, and divided into three occupations: tourists...

Ngày tải lên: 25/04/2013, 15:42