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What do you like doing in your spare time? gnstig viagra online bestellen The VRs and IDRs, as well as the National Ratings of the four Philippine banks reflect their strong core capitalisation, improving loan loss reserves, as well as their sound funding, liquidity and domestic franchises as medium-sized players. These strengths are moderated, to varying degrees, by longstanding issues faced by all four banks (also characteristic of many other major domestic players), including large loan concentration, foreclosed properties with modest reserves, developing corporate governance standards, and the presence of families as controlling shareholders.

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