OPERATING EXPENSES is all selling and general & administrative expenses. Includes depreciation, but not interest expense.
CAPITAL TO RISK ASSET RATIO (CRAR) is one of the most widely used analytical measures of bank capital adequacy and a tool for controlling bank risk. Since risk assets are always less than total assets, the capital/risk asset ratio is naturally higher than the capital/total asset ratio for any given computational period.
LOI see LETTER OF INTENT.
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