supervision comptroller s handbook september 2012 update

... measure and assess existing and emerging risks in large banks, regardless of their size or complexity This risk assessment drives supervisory strategies and activities It also facilitates discussions ... referrals to other agencies Risk Assessment System By completing the core assessment and, as necessary, expanded procedures, examiners can assess the risk exposure for the eight categories of risk using ... OCC supervisory information system Examiners should also use judgment in the level of documentation needed to support the core assessment The core assessment consists of assessment factors and sub-factors...

Ngày tải lên: 06/03/2014, 14:20

... techniques and management practices It also should identify major critical assumptions used in the risk measurement process, discuss the process used to derive those assumptions and provide an assessment ... policies or laws Summary Assessment Review of those factors should allow examiners to assess aggregate interest rate risk as (see next page): Interest Rate Risk 46 Comptroller' s Handbook As of ... bank evaluates potential interest rate risk exposures of new products or future business plans Examiners should assess whether the bank s assumptions about new business are realistic and attainable...

Ngày tải lên: 06/03/2014, 14:20

... basis and how that analysis is factored into strategic business decisions (i.e., buying or selling servicing) If backup systems exist in case primary systems fail The existence of any unnecessary ... lease losses and recourse reserve are discussed here The foreclosure reserve is discussed later, under the Servicing section of this introduction Each of the reserves should be separately established ... example, using Treasury-based products to hedge mortgage servicing assets can create basis risk Examiners should review how management establishes hedge ratios and monitors basis risk Hedge Products...

Ngày tải lên: 29/03/2014, 08:20

... PROCESSING ® 2012 Gas Processes Handbook HOME Processes Index Company Index Sponsors: Hydrocarbon Processing s Gas Processes 2012 handbook showcases recent advances in licensed technologies for ... Technologies US LLC Shell Sulfur Degassing Process Shell Global Solutions BV Shell Sulfur Degassing Process with vent gas recycle option Jacobs Comprimo Sulfur Solutions SRU Shell Global Solutions BV SulFerox ... HYDROCARBON PROCESSING ® 2012 Gas Processes Handbook HOME Jacobs Comprimo Sulfur Solutions Claus Tail Gas Treating (LT-SCOT Process) Claus Tail Gas Treating (SCOT Process) EUROCLAUS Process Gas treating...

Ngày tải lên: 07/03/2014, 07:20

... vectors are estimated by the simple two-step estimator (S2 S) As Brüggemann and Lütkepohl (2005) show, this estimator produces relatively robust estimates in short samples The lag length is set ... aggregates The loss of access to foreign borrowing, the contraction of deposits, interest rates increases as well as the decline of the demand for loans during the severe recession caused decreasing ... components: currency outside banking system, transferable deposits and other deposits Currency outside banking system includes currency issued by the Bank of Russia into circulation less currency...

Ngày tải lên: 22/03/2014, 21:20

... FASTENERS • METRIC THREADED FASTENERS • BRITISH FASTENERS • MACHINE SCREWS AND NUTS • CAP AND SET SCREWS • SELF-THREADING SCREWS • T-SLOTS, BOLTS, AND NUTS • PINS AND STUDS • RETAINING RINGS ... KEYS AND KEYSEATS • FLEXIBLE BELTS AND SHEAVES • TRANSMISSION CHAINS • STANDARDS FOR ELECTRIC MOTORS • ADHESIVES AND SEALANTS • MOTION CONTROL • O-RINGS • ROLLED STEEL SECTIONS, WIRE, AND SHEET-METAL ... NUTS, WING SCREWS, AND THUMB SCREWS THREADS AND THREADING 1721 • SCREW THREAD SYSTEMS • UNIFIED SCREW THREADS • METRIC SCREW THREADS • ACME SCREW THREADS • BUTTRESS THREADS • WHITWORTH THREADS...

Ngày tải lên: 28/10/2013, 00:15

... allows spreadsheets users to easily copy and paste multiple copies of a series of calculations This easy what-if functionality is a cornerstone of spreadsheet usefulness Absolute Addressing: ... ADVANCED SPREADSHEET CONCEPTS 31 problems can be solved using spreadsheets by using a few simple operators and concepts PRACTICE EXERCISES FOR SECTION (See Answers to Practice Exercises For Section ... absolute address is copied and pasted the copied formula maintains the same address as the original The power of this is best illustrated by an example Example 3, Absolute and Relative Addressing...

Ngày tải lên: 06/11/2013, 11:15

... FASTENERS • METRIC THREADED FASTENERS • BRITISH FASTENERS • MACHINE SCREWS AND NUTS • CAP AND SET SCREWS • SELF-THREADING SCREWS • T-SLOTS, BOLTS, AND NUTS • PINS AND STUDS • RETAINING RINGS ... KEYS AND KEYSEATS • FLEXIBLE BELTS AND SHEAVES • TRANSMISSION CHAINS • STANDARDS FOR ELECTRIC MOTORS • ADHESIVES AND SEALANTS • MOTION CONTROL • O-RINGS • ROLLED STEEL SECTIONS, WIRE, AND SHEET-METAL ... is expressed as 750 thousandths, rather than 75 hundredths In the case of four place decimals, the values are expressed in terms of ten-thousandths So a value of 0.1875 is expressed as thousand...

Ngày tải lên: 15/12/2013, 03:15

... Typecast Operators C++ still supports C-style cast, as in int i = (int) 7.333; Nonetheless, C-style cast notation is problematic for several reasons First, the operator () is already used excessively ... in this case, an explicit cast is necessary: void func() { enum status {good, bad}; int num = 0; status s = static_cast (num); } You can use static_cast to navigate through class hierarchies ... const static data members inside the class body and the mutable storage specifier Both of these extensions are discussed in the following sections Initialization of const static Data Members const...

Ngày tải lên: 20/12/2013, 19:15

... stops this movement Comfort functions > Press the switch twice with the roof open: The roof is raised Raising Press the switch If the roof is closed, it is raised and the sliding trim opens slightly ... three LEDs Lumbar support* Shoulder support* This also supports the back around the shoulders This results in a relaxed seated position and reduces the load on the shoulder muscles Lumbar support* ... passengers on the seats; otherwise the passenger 's head will be unprotected.< Front seats: adjusting height Adjusting manually Select "Central locking" and press the controller Select "Last seat...

Ngày tải lên: 25/12/2013, 22:16

... director s team The “director s team” consists of the ADs, the production assistants (PAs), and the script supervisor Assistant director During preproduction, the first assistant director (1st AD) ... box fuses: These are 20-A BAF bus fuses, the essential replacement fuses for gang boxes Gang box fuses blow routinely, so be sure to have plenty on hand Splitter fuses: These 60-A fuses are used ... includes snoots for each size of Fresnel light Scrims A scrim is a stainless-steel wire screen used to reduce the intensity of the light A single scrim has a loose wire weave, is identified by its...

Ngày tải lên: 02/01/2014, 09:05

... heads valve bodies, good pressure tightness Pressure diecasting corrosion resistant, marine castings, water pumps, meter cases Sand, gravity; similar to LM4, crankcases, gear boxes etc Chill casting; ... Cu4MgTi Cu4Ti Si2MgTi Si7Mg Si7Mg0,3 Si7Mg0,6 Si10Mg(a) Si10Mg(b) Si10Mg(Cu) Si9Mg Si11 Si12(b) Si12(a) Si6Cu4 Si5Cu3Mg Si5Cu3Mn Si5Cu1Mg Si5Cu3 Si8Cu3 Si7Cu3Mg Si9Cu1Mg Si7Cu2 Si12(Cu) Si12CuNiMg ... (␮m) The table lists sieve sizes in the British Standard Metric series (BS410:1976) together with other sieve types Sieve aperture, micrometres and sieve numbers ISO/R.565 series (BS410:1976) (␮m)...

Ngày tải lên: 13/02/2014, 16:20

... close friends – as well as with acquaintances, colleagues, business contacts, shops, companies they deal with as private customers, health services, officials of various kinds, banks, and so on ... and the associated legal costs and Service Level Agreements (SLAs) The establishment of Non-Disclosure Agreements (NDAs) These are all transaction costs – i.e the cost of doing business Before ... Contact Addresses for Subsequent SIP Requests 179 7.7.7 Subsequent Request Message Routing 181 SIP Transport Considerations 183 7.8.1 Internal DNS Versus External DNS ...

Ngày tải lên: 14/02/2014, 12:20

... interventions associated with the disease are outlined Interventions related to issues associated with nutrition, exercise and lifestyle are discussed Osteoporosis is not a disease that only affects women; ... underground system Sometimes models can oversimplify complex issues such as health promotion Naidoo and Wills (2001) state that models are abstract representations of real circumstances that assist critical ... contraindications related to certain types of medication This is also the case with INTRODUCTION exercise: there may be risks associated with exercise for some patients, and these issues are discussed in...

Ngày tải lên: 14/02/2014, 21:20

... However, these abbreviated forms are used only for the simple ring systems Substituting groups derived from fused derivatives of these ring systems are named systematically Substituting groups having ... the subsidiary substituents are named as prefixes and the entire assembly is regarded as a parent radical The seniority of ring systems is ascertained by applying the following rules successively ... Locants of substituents of symmetrically substituted derivatives of symmetrical amines are distinguished by primes or else the names of the complete substituted radicals are enclosed in parentheses...

Ngày tải lên: 15/02/2014, 17:20

... express no such opinion An audit also includes: • Examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements; • Assessing the accounting principles used ... following sections discuss our opinion on the Commission s financial statements; our consideration of the Commission s internal control over financial reporting; our tests of the Commission s compliance ... wish to make our reports as responsive as possible to our customers' requirements, and, therefore, ask that you consider sharing your thoughts with us On the back of this form, you may suggest...

Ngày tải lên: 17/02/2014, 21:20

... associations with children s outcomes in life Bradshaw (2011) asserts that one of the best measures of a country s success is how it protects its children from poverty and its effects This makes poverty ... and Pensions | 27 26 October 2012 23 Office for National Statistics,(2011) ‘Work and Worklessness among Households 2010’, ONS Statistical Bulletin Accessed at http://www.ons.gov.uk/ons/rel/lmac/working-andworkless-households/2011/stb-working-and-workless-2011.html ... http://www.ons.gov.uk/ons/rel/lmac/working-andworkless-households/2011/stb-working-and-workless-2011.html 24 ONS: 100 years of Census ; England and Wales 1911 – 2011 Accessed at http:// www.ons.gov.uk/ons/interactive/vp1-story-of-the-census/index.html...

Ngày tải lên: 18/02/2014, 15:20

... donations from various local businesses to use as thank-you gifts for volunteers Restaurants, movie theaters, movie rental businesses, radio stations, music stores, bookstores, museums, etc., ... Painter s Caps • Frisbees • T-Shirts • Water Bottles • Small Sports Bags • Sunglasses • Sun Visors • Stickers • Fanny Packs Be part of a larger Healthy Athletes event Have Opening Eyes, FUNfitness, ... shift is scheduled to begin screening to allow themselves enough time to conduct training sessions, answer questions and administer the exam The sessions can/should also include the recorders...

Ngày tải lên: 21/02/2014, 17:20

... transport – freight costs, insurance, port taxes and expenses, other taxes, customs costs, forwarding costs, costs of issuing certificates, permits and licenses) IMPORTANT: Make sure WHO pays WHAT ... address of a SITE – it is your PERSONAL address and it looks like this: palma@unet.com.mk (all letters usually small) You can: - Send messages - Receive messages - Send and receive computer files ... pays all port and customs inspection expenses Seller s responsibility ends with delivery to carrier Buyer pays all expenses from point of delivery (transport, insurance, special inspections) FAS...

Ngày tải lên: 21/02/2014, 22:20

... the scalar s Orientation s v is parallel to v If s ˆ 0, no de®nite orientation is attributed to s v Sense If s b 0, the sense of s v is the same as that of v If s ` 0, the sense of s v is opposite ... systematic explanation of the basic concepts of mechanical systems This handbook 's special features include authoritative contributions, chapters on mechanical design, useful formulas, charts, ... 1.11 Shear Stresses in Beams 1.12 Shear Stresses in Rectangular Section Beams 1.13 Torsion 1.14 Contact Stresses ...

Ngày tải lên: 21/02/2014, 22:20