| Portfolio management is becoming an {{U}}(21) {{/U}} part of the credit process. In the management of their portfolio, commercial banks emphasize the importance of asset and earning {{U}}(22) {{/U}}, the immediate recognition as losses of all credit judged to be {{U}}(23) {{/U}}, and the maintenance of appropriate credit loss {{U}}(24) {{/U}}. All identified losses should be immediately {{U}}(25) {{/U}} |