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  ______    _____     ______    ______    _  _   
 /_   _//  |  ___||  /_____//  /_   _//  | \| || 
 `-| |,-   | ||__    `____ `    -| ||-   |  ' || 
   | ||    | ||__    /___//     _| ||_   | .  || 
   |_||    |_____||  `__ `     /_____//  |_|\_|| 
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                     `-`

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Text this: Evaluasi risiko kredit dan kebutuhan modal berdasarkan basic standard model dan internal model creditmetrics di PT Bank XYZ Tbk