Basel II: time for action

Risk analysis

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Humans always find change painful, which is why procrastination is as perennial as grass. Organisational life exhibits similar behaviour. Most major organisational challenges are met with a series of emotional reactions not unlike those associated with death and dying. The first reaction is denial: “Are they nuts?”, “It will never happen”, “It’s too far in the future to worry about it”. This is followed by periods of confusion, anger, distress and eventually acceptance. I certainly saw, or to be

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