Article: SPECIAL REPORT: FIRST QUARTER BANKING REPORT.

Byline: Josephine B. Valle-Sison

"IT LOOKS like a sunny day; bring a raincoat." While this might seem unsound advice, figuratively, for the financial weather, it makes sense.

And financial managers know better to be cautious lest they catch a cold, or worse, the flu - the financial flu, that is.

Indeed, owing to the financial hurricane that shook the biggest names in the world of banking and finance, caution has become a welcome advice and risk management, a buzzword.

Even now that the crisis seems to be tapering off, financial institutions are still on the guard for any risk that might strike.

Even before the credit crunch ...

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