Comprehensive, Adequate and Representative A reserve system displaying the features of comprehensiveness, adequacy and representativeness. Comprehensivenessâ€”the degree to which the full range of ecological communities and their biological diversity are incorporated in the reserve system. Adequacyâ€”the reserve system's ability to maintain the ecological viability and integrity of populations, species and communities. Representativenessâ€”the extent to which areas selected for inclusion in the reserve system are capable of reflecting the known biological diversity and ecological patterns and processes of the ecological community or ecosystem concerned.
Capital adequacy ratio. refers to the ratio of capital to risk weighted assets computed in accordance with the risk-based capital adequacy framework (patterned after the 1988 Basel Capital Accord) that took into account credit risks, effective 1 July 2001 under BSP Circular No. 280 dated 29 March 2001. Under BSP Circular No. 360 dated 3 December 2002, which took effect 1 July 2003, applying only to universal/commercial banks, computation of CAR incorporates market risks in addition to credit risks.