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11-4 Sustained credit quality problems can drain an FI's capital and net worth.
Deliberately
In a careful and unhurried manner, often implying intentionality.
Operations
The activities or tasks performed by a company, system, or process to achieve its objectives.
Spyware
Malicious software designed to collect personal or sensitive information from a user's device without their knowledge.
Secretly Collects
Describes the act of gathering information or data without the knowledge or consent of the individuals it pertains to, often raising privacy concerns.
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