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<bibitem type="V">   <ARLID>0411394</ARLID> <utime>20240103182324.2</utime><mtime>20060210235959.9</mtime>    <ISBN>92-9197-677-6</ISBN>         <title language="eng" primary="1">Business Cycle, Credit Risk and Economic Capital Determination by Commercial Banks</title>  <publisher> <place>Basel</place> <name>Bank for International Settlements</name> <pub_time>2005</pub_time> </publisher> <specification> <page_count>30 s.</page_count> </specification> <edition> <name>Research Report</name> <volume_id>22</volume_id> </edition>    <keyword>credit risk</keyword>   <keyword>economic capital</keyword>   <keyword>New Basel Capital Accord</keyword>    <author primary="1"> <ARLID>cav_un_auth*0101079</ARLID> <name1>Derviz</name1> <name2>Alexis</name2> <institution>UTIA-B</institution> <full_dept>Department of Econometrics</full_dept>  <fullinstit>Ústav teorie informace a automatizace AV ČR, v. v. i.</fullinstit> </author> <author primary="0"> <ARLID>cav_un_auth*0021061</ARLID> <name1>Kadlčáková</name1> <name2>N.</name2> <country>CZ</country>  </author>     <COSATI>12B</COSATI> <COSATI>05Z</COSATI>    <cas_special> <research> <research_id>CEZ:AV0Z10750506</research_id> </research>    <RIV>AH</RIV> <reportyear>2006</reportyear>   <department>E</department>    <permalink>http://hdl.handle.net/11104/0131476</permalink>    <ID_orig>UTIA-B 20050124</ID_orig>    <arlyear>2005</arlyear>       <unknown tag="mrcbU10"> 2005 </unknown> <unknown tag="mrcbU10"> Basel Bank for International Settlements </unknown> <unknown tag="mrcbU12"> 92-9197-677-6 </unknown> </cas_special> </bibitem>