41. Banks are having to plunk down more as loan-loss reserves with the potential for defaults rise. 42. The company didn't add to loan-loss reserves . 43. Williams of Duke noted that the company has set aside $ 110 million in loan loss reserves . 44. Loss development factors are used in all triangular methods of loss reserving , such as the chain-ladder method. 45. Analysts said they regarded the boost in loan loss reserves as a prudent move by company management. 46. Krung Thai said it needs the money for loan-loss reserves and to meet recently increased capital standards. 47. The Bangko Sentral ng Pilipinas ( BSP ) has exempted exporters from its loan-loss reserve and liquidity requirements. 48. The primary reason for the lower forecast was increased credit loss reserves reflecting weakened economic conditions, it said. 49. The third-quarter earnings adjustment resulted from a $ 33 million boost to loan loss reserves in the quarter. 50. The money will go to a loan loss reserve fund, used when a consumer defaults on a loan.