Credit risk in bank and how to mitigate the risks of Bank Asia Limited

This internship report is submitted in a partial fulfillment of the requirements for the degree of Bachelor of Business Administration,2013.Cataloged from PDF version of Internship report.Includes bibliographical references (page 43).Risk is the element of uncertainty or possibility of loss that prevail in any business transaction in any place, in any mode and at any point of time. In the banking sector, risks can be broadly categorized as Credit Risk, Operational Risk, Market Risk and Other Risks. Credit risk is the possibility that a borrower or counter party will fail to meet agreed obligations. Globally, more than 50% of total risk elements in banks and financial institutions are credit risk alone. Thus managing credit risk for efficient management of banks has gradually become the most crucial task. The banking system which constitutes the core of the financial sector of any country plays a critical role in transmitting monetary policy impulses to the entire economic system. Banking is a business built on risk. Yet, it is essential to manage and minimize that risk. The paper will discuss some critical issues involved in managing those risks with special focus on the credit risk management of Bank Asia Ltd. The first section of this paper consists of an “Introductory” part of this report, which has been developed for the proper execution of the entire report and also a brief description about the host organization of my internship, Bank Asia Ltd, has been given. The second part consists of the “Duties and responsibilities performed during the Internship”. The third section includes the “Project Work”. The project work is divided into 3 segments-summary of the work, credit risk grading and credit risk management of Bank Asia ltd. To sum up the report, there are few findings & suggestions and ending up with the conclusion.Rushdi Md. Raihanul IslamB. Business Administratio

Vulnerability Assessment of Urban and Peri-Urban Areas in Dhaka: Exploring Ecosystem Service Loss

Rapid unplanned development, a primary cause of urban change, endangers ecosystems greatly. Quantifying ecosystem services helps portray the declining ecological functions caused by the urban land cover change. Dhaka, one of the most densely populated cities in the world, exerts little effort toward sustainability; affecting both the inner city and the outer periphery (peri-urban area) called extend Dhaka (5 km buffer from the city\u27s border). This study examines Dhaka\u27s urban growth impact on ecosystem service values (ESV) from 2004-2020 and projects these impacts to 2050, considering three scenarios: business as usual (BAU), conservation, and development. We employed Landsat images, different image classification techniques, the CA-Markov model for future simulation, and the global value coefficient for ESV. The research shows water bodies and tree covering change forecasting up to 2050. Due to fast urban growth in the expanding Dhaka city during 2004-2020, the total ESV declined (a decrease ESV of 211.92 million US dollars). If this pattern continues, the ESV will further drop $ 156 million by 2050. Consequently, ESV loss will be severe in outlying extended Dhaka city, and among the three forecasted scenarios, the development will lose most of its ESV. This study also suggests that for every one percent increase in total GDP, approximately 2 million dollars of ecosystem service loss results. In addition, significant changes in ecological functions, such as waste treatment, raw materials, habitat/ refugia, and water supply, caused the ESV to decline most. This concludes that appropriate planning and regulations to safeguard natural ecosystems will avoid future deterioration

Financial development and foreign direct investment nexus: A systematic review of literature

In this study, we review the literature to find how the financial development of a country attracts foreign direct investments for a sustainable real sector development of the country. The area is least focused on literature. Thus we don’t limit our search and review to any time or database or journal category. We find the theoretical logic and empirical evidence so far available in the literature. Our review finds that the development of the financial sector of a country is one of the most important attractors of FDIs. Theoretically, financial sector development works as a symbol of trust and goodness to the new potential investors and a good resource allocation channel for the existing investors. However, very few researchers find that FDIs are more prone to countries with a low developed financial system which may happen due to the presence of risk-taker foreign investors and risk-averse domestic entrepreneurs

APPLICATION OF POROUS CONCRETE FOR NATURAL SLOPE PROTECTION

Natural slope protection is challenging all over the country. The study assessed the application of newly designed porous concrete block over conventional concrete block in slope protection. In the study, four different types of concrete blocks were designed; three of them were 8″×8″×3″ and one was 9″×9″×3″ in size. One 8″×8″×3″ porous concrete block design was selected based on it's compressive strength. Another conventional concrete block of same size was selected for comparing the results. After preparation, the porous and conventional concrete blocks were placed on the slope of a selected earthen canal in a 3-row and 11-column format. According to the findings, the porous concrete block was vegetative while the conventional concrete block was not. The porous concrete block required less volume of materials, which reduced the cost by 18.2% over the conventional concrete block. It is concluded that the newly designed porous concrete block is more cost-effective, light-weight, and vegetative-compatible than the conventional concrete block of the same size. Therefore, the study suggests applying the newly designed porous concrete block to protect the natural slope. [J Bangladesh Agril Univ 2023; 21(2.000): 195-202

Financial development and foreign direct investment nexus: A systematic review of literature

In this study, we review the literature to find how the financial development of a country attracts foreign direct investments for a sustainable real sector development of the country. The area is least focused on literature. Thus we don’t limit our search and review to any time or database or journal category. We find the theoretical logic and empirical evidence so far available in the literature. Our review finds that the development of the financial sector of a country is one of the most important attractors of FDIs. Theoretically, financial sector development works as a symbol of trust and goodness to the new potential investors and a good resource allocation channel for the existing investors. However, very few researchers find that FDIs are more prone to countries with a low developed financial system which may happen due to the presence of risk-taker foreign investors and risk-averse domestic entrepreneurs

MOGAT: A Multi-Omics Integration Framework Using Graph Attention Networks for Cancer Subtype Prediction

Accurate cancer subtype prediction is crucial for personalized medicine. Integrating multi-omics data represents a viable approach to comprehending the intricate pathophysiology of complex diseases like cancer. Conventional machine learning techniques are not ideal for analyzing the complex interrelationships among different categories of omics data. Numerous models have been suggested using graph-based learning to uncover veiled representations and network formations unique to distinct types of omics data to heighten predictions regarding cancers and characterize patients’ profiles, amongst other applications aimed at improving disease management in medical research. The existing graph-based state-of-the-art multi-omics integration approaches for cancer subtype prediction, MOGONET, and SUPREME, use a graph convolutional network (GCN), which fails to consider the level of importance of neighboring nodes on a particular node. To address this gap, we hypothesize that paying attention to each neighbor or providing appropriate weights to neighbors based on their importance might improve the cancer subtype prediction. The natural choice to determine the importance of each neighbor of a node in a graph is to explore the graph attention network (GAT). Here, we propose MOGAT, a novel multi-omics integration approach, leveraging GAT models that incorporate graph-based learning with an attention mechanism. MOGAT utilizes a multi-head attention mechanism to extract appropriate information for a specific sample by assigning unique attention coefficients to neighboring samples. Based on our knowledge, our group is the first to explore GAT in multi-omics integration for cancer subtype prediction. To evaluate the performance of MOGAT in predicting cancer subtypes, we explored two sets of breast cancer data from TCGA and METABRIC. Our proposed approach, MOGAT, outperforms MOGONET by 32% to 46% and SUPREME by 2% to 16% in cancer subtype prediction in different scenarios, supporting our hypothesis. Our results also showed that GAT embeddings provide a better prognosis in differentiating the high-risk group from the low-risk group than raw features

Dominant clade-featured SARS-CoV-2 co-occurring mutations reveal plausible epistasis: An in silico based hypothetical model

Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2) has evolved into eight fundamental clades with four of these clades (G, GH, GR, and GV) globally prevalent in 2020. To explain plausible epistatic effects of the signature co-occurring mutations of these circulating clades on viral replication and transmission fitness, we proposed a hypothetical model using in silico approach. Molecular docking and dynamics analyses showed the higher infectiousness of a spike mutant through more favorable binding of G614 with the elastase-2. RdRp mutation p.P323L significantly increased genome-wide mutations (p \u3c 0.0001), allowing for more flexible RdRp (mutated)-NSP8 interaction that may accelerate replication. Superior RNA stability and structural variation at NSP3:C241T might impact protein, RNA interactions, or both. Another silent 5′-UTR:C241T mutation might affect translational efficiency and viral packaging. These four G-clade-featured co-occurring mutations might increase viral replication. Sentinel GH-clade ORF3a:p.Q57H variants constricted the ion-channel through intertransmembrane–domain interaction of cysteine(C81)-histidine(H57). The GR-clade N:p.RG203-204KR would stabilize RNA interaction by a more flexible and hypo-phosphorylated SR-rich region. GV-clade viruses seemingly gained the evolutionary advantage of the confounding factors; nevertheless, N:p.A220V might modulate RNA binding with no phenotypic effect. Our hypothetical model needs further retrospective and prospective studies to understand detailed molecular events and their relationship to the fitness of SARS-CoV-2

Health-related quality of life and coping strategies adopted by COVID-19 survivors:A nationwide cross-sectional study in Bangladesh

INTRODUCTION: This study aims to investigate the health-related quality of life and coping strategies among COVID-19 survivors in Bangladesh. METHODS: This is a cross-sectional study of 2198 adult, COVID-19 survivors living in Bangladesh. Data were collected from previously diagnosed COVID-19 participants (confirmed by an RT-PCR test) via door-to-door interviews in the eight different divisions in Bangladesh. For data collection, Bengali-translated Brief COPE inventory and WHO Brief Quality of Life (WHO-QoLBREF) questionnaires were used. The data collection period was from October 2020 to March 2021. RESULTS: Males 72.38% (1591) were more affected by COVID-19 than females 27.62% (607). Age showed significant correlations (p<0.005) with physical, psychological and social relationships, whereas gender showed only a significant correlation with physical health (p<0.001). Marital status, occupation, living area, and co-morbidities showed significant co-relation with all four domains of QoL (p<0.001). Education and affected family members showed significant correlation with physical and social relationship (p<0.001). However, smoking habit showed a significant correlation with both social relationship and environment (p<0.001). Age and marital status showed a significant correlation with avoidant coping strategies (p<0.001); whereas gender and co-morbidities showed a significant correlation with problem-focused coping strategies (p<0.001). Educational qualification, occupation and living area showed significant correlation with all three coping strategies(p<0.001). CONCLUSION: Survivors of COVID-19 showed mixed types of coping strategies; however, the predominant coping strategy was avoidant coping, followed by problem-focused coping, with emotion-focused coping reported as the least prevalent. Marital status, occupation, living area and co-morbidities showed a greater effect on QoL in all participants. This study represents the real scenario of nationwide health-associated quality of life and coping strategies during and beyond the Delta pandemic