cyclical PDs in IRB requirements through the application of a scalar that converts the outputs of a bank’s underlying PD models into through-the-cycle estimates.
b. Forward looking provisioning
23. The Committee is promoting stronger provisioning practices through three related initiatives. First, it is advocating a change in the accounting standards towards an expected loss (EL) appro
model is directly reflected on sales. In other words, models that are not refreshed quickly enough tend to have a neg¬a¬tive impact on sales.
For these reason, we can assume that the stock of Apple Inc. is cyclical.
3. Analysis on Apple Inc.
Financial statements analysis
1. Income statement
.
Currency in USD All num
jobs wants to do plastic surgery because he thinks he has too old face to pass the job-interview. But his wife, Lynette, don't want him to do plastic surgery. So she explains to him how dangerous the plastic surgery is and shows him a person who fails plastic surgery. But despite Susan's effort, his attitude does not change. Finally, by persuading and teaching, Susan makes Tom's attitude change.
2. Scene Analysis
(1) Convenience store Scene
1) Explanation of the scene
Whenever Jae Hee goes to the convenience store, employee always asks questions like ¡°Do you have a discount card?¡± and ¡°Do you have a point card?¡± Jae Hee is always asked questions by employee repeatedly. Jae Hee seems that he doesn’t have any discount card or point card. But, she is always asking th
Ⅰ. 서론
산업 혁명 이후 계속되어온 급속한 산업의 발달은 석탄 및 석유자원의 지속적인 소비를 바탕으로 이루어 졌으며 전 세계의 석탄 및 석유 매장량이 급감하는 결과를 초래 하였다. 또한 아시아의 신흥 개발국인 중국과 인도, 베트남 등의 급속한 산업의 발달은 전 세계 석유자원을 급속하게