May 20th, 2015
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A. T. Still University
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Regardless of the sophistication of the measures, banks often distinguish between expected and unexpected losses. Expected losses are those that the bank knows with reasonable certainty will occur (e.g., the expected default rate of corporate loan portfolio or credit card portfolio) and are typically reserved for in some manner. Unexpected losses are those associated with unforeseen events

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At the end of lecture of week 13 studentwill Be able to define the definition of risk Be able to identify the purpose of riskassessment Be able to calculate and interpret thestage of risk assessmentIntroductionPurpose of risk assessmentStages of risk assessmentHazard IdentificationExposure AssessmentToxicity AssessmentRisk CharacterizationDefinition of RISK: The probability of suffering harm or loss. Is a tool for understanding the healthand environment hazards associatedwith hazardous waste and can greatlyimprove the basis on which to makehazardous waste managementdecisions. Risk = (probability) x (severity ofconsequence) The term quantitative to describe the process ofusing scientific principles to calculate quantitativeestimates of risk.Provide information to decisionmakers as to the consequences ofpossible actions.Play major role in the decisionmaking for the remediation ofcontaminated sites.To quantify potential human healthand ecological risks stemming fromtoxic contaminants that maytransported to potential receptorpopulations.Examine the data all contaminantsdetected at site and consolidates thedata to stress the chemical concern.Normally involve clear understandingon: What chemicals are present at a site Their concentration and spatial distribution How they could move in the environmentfrom the site to potential rece

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