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About the Author - Giuseppe Missaglia - : I am the head of Risk Management of IBL Banca, before I was in BNL BNP Group, Mediocredito Centrale, and ICCREA; my experience is in Financial and Credit Analysis,Credit Risk Management, Rating and Portfolio Models, Basel II Capital Requirement, RAPM and EVA measurement. I have been programming in VBA, VB.NET, C++, C#, SAS, Matlab, Gauss, ASP.NET

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