Mô hình PEARLS là viết tắt của các yếu tố nào?

Protection, Effective financial structure, Asset quality, Rates of return and cost, Liquidity, Sign of growth.

Protection, Effective financial structure, Ability, Rates of return and cost, Liquidity, Sign of growth.

Protection, Effective financial structure, Asset quality, Rates of return and cost, Low cost, Sign of growth.

Protection, Environment, Asset quality, Rates of return and cost, Liquidity, Sign of growth.