1.

BSP
2. SEC
3. Insurance Commission
4. upon written permission of the depositor
5. in cases of impeachment
6. upon order of a competent court in the case of bribery or dereliction of duty of public
officials or when the money deposited or invested is the subject matter of the litigation
7. Zero tolerance means no level of delinquency is tolerable
8. Death of borrower
9. Borrower cannot be located
10. Cannot impose co-maker’s liability due to having no capacity to pay.
11. Long past due
12. Par Amount
13. Increased productivity
14. Improved Quality
15. Better Morale
16. Better problem solving, Enhanced creativity, more effective decisions
17. False
18. Hard-What you do
19. Soft-How you do
20. Savings