Rizwan19

This a poetry book, filled with emotions of broken hearts, depressed minds and late night thoughts. Hope you enjoy it, while the writer is still alive.

This research paper examines the limitations of the Internal Credit Risk Rating System (ICRRS) as found through various mathematical models. The ICRRS is used to evaluate the creditworthiness of borrowers through a structured framework, given by Bangladesh Bank that incorporates both quantitative and qualitative factors. This research provides an overview of the ICRRS methodology, its application across different industry sectors, and discusses its effectiveness and potential limitations based on individual factor analysis, observations and mathematical reasoning. Purpose of Research: The purpose of this research paper is to justify that; ICRRS has some limitations. Unacceptable rating can affect the aggregate ICRRS score. Unacceptable ratings can lead to degradation of financial performance. Provide a criteria for maximum limit of unacceptable rating that can be accepted.

When darkness falls, a lone warrior must fight his way through his demons in order to protect his people and those he loves. Alone and vulnerable, the warrior must learn to survive and fulfil destiny.

Throughout my journey into adulthood I had many crushes and many funny stories. SOME are more memorable than others. Like the first crush,the first love letter.

We all meet around 80000 people throughout our lifetime in this temporary world. But there are only a few who leave a permanent remark on our hearts. This story belongs to someone really special and close to my heart.