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Sample records for active germplasm bank

  1. Gene banks offer breeders access to germplasm: Germplasm collections help to preserve genetic diversity

    This article describes a coordinated system for conserving woody landscape plant germplasm in the United States. It provides an overview of the woody landscape plant germplasm collections of the USDA/ARS National Plant Germplasm System, a description of the Woody Landscape Plant Crop Germplasm Comm...

  2. Minimum number and best combinations of harvests to evaluate accessions of tomato plants from germplasm banks

    Flávia Barbosa Abreu

    2006-01-01

    Full Text Available This study presents the minimum number and the best combination of tomato harvests needed to compare tomato accessions from germplasm banks. Number and weight of fruit in tomato plants are important as auxiliary traits in the evaluation of germplasm banks and should be studied simultaneously with other desirable characteristics such as pest and disease resistance, improved flavor and early production. Brazilian tomato breeding programs should consider not only the number of fruit but also fruit size because Brazilian consumers value fruit that are homogeneous, large and heavy. Our experiment was a randomized block design with three replicates of 32 tomato accessions from the Vegetable Germplasm Bank (Banco de Germoplasma de Hortaliças at the Federal University of Viçosa, Minas Gerais, Brazil plus two control cultivars (Debora Plus and Santa Clara. Nine harvests were evaluated for four production-related traits. The results indicate that six successive harvests are sufficient to compare tomato genotypes and germplasm bank accessions. Evaluation of genotypes according to the number of fruit requires analysis from the second to the seventh harvest. Evaluation of fruit weight by genotype requires analysis from the fourth to the ninth harvest. Evaluation of both number and weight of fruit require analysis from the second to the ninth harvest.

  3. Molecular characterisation of a germplasm bank for Theobroma genus using the RAPD technique

    Yovany Moreno

    2007-02-01

    Full Text Available RAPD markers (Random Amplified Polymorphic DNA were used for analysing 145 individuals (128 T. grandiflorum and 17 T. bicolor from the ex situ Theobroma genus germplasm bank at Instituto Sinchi, located at San José del Guaviare. 5 primers able to generated polymorphism were selected from an initial set of 20, generating 114 bands that enable to us to distinguish between more than 99% of individuals analysed: 57 bands for T. grandiflorum (84.2% polymorphic, 45 bands for T. bicolor (26.7% polymorphic and 12 bands shared between the two species (58.3% polymorphic. A high degree of intra-specific similarity particularly in T. bicolor was established from the similarity matrix obtained by using the Dice index and represented in a UPGMA dendrogram and the principal components analysis (PCA. The comparison of this analysis with a previous morpho-agronomic evaluation of some T. grandiflorum individuals revealed that the groups generated on the basis of its agronomic and morphological traits were heterogeneous at molecular level. The obtained information will be used as a tool in strategies regarding maintenance, enrichment and use of the germplasm bank. Key words: Theobroma grandiflorum, Theobroma bicolour, RAPD, molecular characterisation.

  4. Statistical Approaches to Analyse Gene Bank Data Using a Lentil Germplasm Collection as a Case Study

    Gabriella Sonnante

    2008-09-01

    Full Text Available Normally in a plant gene bank a large number of accessions per each crop and/ or taxon is stored. During their characterization and preliminary evaluation, several quantitative and qualitative data are recorded and, usually, a wide intra accession variation is observed. Th e management of all this information becomes very difficult without effective statistical methods combining these different types of data. At the Institute of Plant Genetics, CNR, in Bari (Italy this problem has been tackled by testing many statistical approaches. The present contribution describes one of these approaches, which to date has proven to be highly adequate; a case study describing a lentil germplasm collection has been used for demonstration. A valuable application of this method is the determination of core subsets important to increase the utilization and accessibility of plant genetic resources. In the presented case study a subset of the lentil germplasm collection was chosen to perform molecular analysis based on ISSR markers. The samples were selected on the basis of both morpho-agronomic evaluation and geographical origin. These markers proved to be useful for distinguishing among closely related genotypes and for possibly substantiating the genetic peculiarity of some interesting material.

  5. Derivatives Activity at Troubled Banks

    Joe Peek; Rosengren, Eric S.

    1996-01-01

    Derivatives have become an essential instrument for hedging risks, yet moral hazard can lead to their misuse by problem banks. Given that the absence of comprehensive data on bank derivatives activities prevents an accurate assessment of bank risk-taking, banks have an opportunity to take unmonitored second bets. Thus , troubled banks have the motive to increase risk, and derivatives provide the means to do so. The role of bank supervisors should be to limit the opportunity through more compr...

  6. Morphologic characterization of 100 Capsicum accessions from the Germplasm Bank at Nacional University of Colombia Caracterización morfológica de cien introducciones de Capsicum del Banco de Germoplasma de la Universidad Nacional de Colombia Sede Palmira

    Vallejo Cabrera Franco Alirio; García Mario; Pardey Catherine

    2006-01-01

    Morphologic characterization of 100 Capsicum accessions from the Germplasm Bank at Nacional University of Colombia. 100 accessions of 4 species of Capsicum from the germplasm bank at National University of Colombia, Palmira Campus, morphologically were characterized. The accessions were collected in different regions of Colombia such as Andean, Caribbean, Paciï¬c, Amazon, and East Savannas and some ones introduced from other countries of Central a...

  7. Characterization of Citrus tristeza virus isolates from grapefruit (Citrus paradisi Macf. accessions of Citrus Active Germplasm Bank Caracterização de isolados do vírus da tristeza dos citros de acessos de pomelos (Citrus paradisi Macf. do Banco Ativo de Germoplasma de Citros

    Maria Júlia Corazza-Nunes

    2006-09-01

    Full Text Available Citrus tristeza virus (CTV isolates from 35 grapefruit accessions belonging to Citrus Active Germplasm Bank of the "Instituto Agronômico de Campinas" located at the "Centro APTA Citros Sylvio Moreira", Cordeirópolis, São Paulo state, Brazil, were characterized and evaluated through symptoms in the trees, biological indexing, immunological diagnosis with different monoclonal antibodies and SSCP analysis (single-strand conformation polymorphism of the coat protein gene. Symptomatology indicated that, in general, the group of plants with smaller canopy volume and severe stem pitting differed significantly from the group that presented greater vegetative development and mild to moderate stem pitting. However, the isolates from most of the accessions induced mild reaction on Mexican lime. The serological evaluation through the DAS-ELISA using monoclonal antibodies did not reveal any association between virus titer in the plant tissue and symptoms. The reaction with different monoclonal antibodies and the distinct electrophoresis patterns obtained through SSCP showed that there is a high degree of diversity among the isolates that infect these grapefruit accessions. High complexity within the same isolate was also observed in the SSCP profiles. This finding indicates that the CTV isolates from these plants are a complex mixture of CTV haplotypes. Similar SSCP banding patterns were observed among some plants with strong stem pitting symptoms, and among some plants with weak or moderate stem pitting symptoms.Isolados do vírus da tristeza dos citros (CTV de 35 acessos de pomelos que fazem parte do Banco Ativo de Germoplasma de Citros, localizado no Centro APTA Citros Sylvio Moreira, Cordeirópolis, São Paulo, Brasil, pertencente ao Instituto Agronômico de Campinas (IAC, foram caracterizados através dos sintomas observados nas árvores, indexação biológica, diagnóstico imunológico e análise SSCP (polimorfismo de conformação de fita simples

  8. Active Drivers of Adoption of Internet Banking

    Pankaj Yadav

    2016-01-01

    Application of internet by banking sector in India has changed the definition of banking completely. The management of different banks has been making concrete efforts to facilitate the acceptance of i-banking by bringing out its benefits to the customers. This paper identifies the active factors that influence customers intention regarding use of internet banking in Himachal Pradesh  Data was collected from a sample of 120 respondents through a well structured questionnaire. The data was col...

  9. The Decline of Traditional Banking Activities

    Gabriela Cornelia Piciu

    2011-05-01

    Full Text Available The decline of traditional banking activities raise the issue of efficiency of financial stability, in terms ofquantitative and qualitative aspects – the increasing danger of banking failures as well as of susceptibility due toincreased propensity of banking institutions to assume additional to risks either in the form of riskier loans offer orengaging in other "non-traditional" financial activities which give a promise for greater profitability, but also higherrisks. Non-traditional activities of banking as financial products dealers (financial derivatives, generate an increasingrisks and vulnerabilities in the form of moral hazard issues. That is the reason why and these activities should beregulated as well as are the traditional activities. Challenges posed by the decline of traditional banking activities istwofold: the stability of the banking system must be maintained, while the banking system needs to be restructured toachieve financial stability in the long run. One possible way is an appropriate regulatory framework to encourage atransition period of changing the structure of banking activity(reduction of traditional activities and expanding nontraditional activities to enable banking institutions to perform a deep methodic analysis of non traditional activities,oriented to the financial banking efficiency.

  10. Financial Activities Taxes and Banks' Systemic Risk

    CANNAS GIUSEPPINA; Cariboni, Jessica; Marchesi, Massimo; Nicodème, Gaëtan; PETRACCO GIUDICI Marco; ZEDDA STEFANO

    2013-01-01

    The recent financial crisis has highlighted the risks posed by individual banks to the entire banking system. Next to the issue of determining individual contributions to systemic risk, the question of additional taxes on the financial sector has been debated. This paper uses SYMBOL, a micro-simulation model of the banking system, to estimate these individual contributions and compares them to the potential individual tax liabilities of banks under the assumption of a Financial Activity Tax.

  11. 12 CFR 225.131 - Activities closely related to banking.

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Activities closely related to banking. 225.131 Section 225.131 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL... Holding Companies Interpretations § 225.131 Activities closely related to banking. (a) Bank...

  12. 12 CFR 225.129 - Activities closely related to banking.

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Activities closely related to banking. 225.129 Section 225.129 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL... Holding Companies Interpretations § 225.129 Activities closely related to banking. Courier activities....

  13. Active Risk Management and Banking Stability

    Silva Buston, C.F.

    2013-01-01

    Abstract: This paper analyzes the net impact of two opposing effects of active risk management at banks on their stability: higher risk-taking incentives and better isolation of credit supply from varying economic conditions. We present a model where banks actively manage their portfolio risk by buy

  14. 12 CFR 225.123 - Activities closely related to banking.

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Activities closely related to banking. 225.123 Section 225.123 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL... Holding Companies Interpretations § 225.123 Activities closely related to banking. (a) Effective June...

  15. CORPORATE GOVERNANCE IN BANKING ACTIVITIES

    Mircea ASANDULUI

    2010-01-01

    Full Text Available In the modern society the banking system occupies a very important place; it can decisively influence the economy as a whole and the quality of our lives. Therefore its proper functioning is of vital importance. For the well being of a society, lending to both retail and corporate sectors is very important. When talking about the lending rules for companies it is much easier to do a cost-benefit analysis, subjectivity occurs mainly in case of retail credit.Taking into consideration the recent bankruptcies that took place all over the world, we consider this to be one of the best moments to speak about banking ethics. This article is aiming to make a comparison between the ways in which corporate governance in banking are applied in emergent economies compared to the developed ones. To achieve this objective we examined some characteristics of corporate governance in banking in general, related to some special features of the developing countries and we made an overview of the Romanian financial system.

  16. Active Drivers of Adoption of Internet Banking

    Pankaj Yadav

    2016-05-01

    Full Text Available Application of internet by banking sector in India has changed the definition of banking completely. The management of different banks has been making concrete efforts to facilitate the acceptance of i-banking by bringing out its benefits to the customers. This paper identifies the active factors that influence customers intention regarding use of internet banking in Himachal Pradesh  Data was collected from a sample of 120 respondents through a well structured questionnaire. The data was collected from Government employees of Shimla district of Himachal Pradesh by asking close ended questions regarding their attitude towards i-banking and their future intention about its use . For analysing and interpreting data in the present study, basic statistical tools, chi-square test (test of independence and logistical regression analysis was used with the help of SPSS 16.0 version. Out of seven factors i.e., perceived risk, perceived usefulness,  perceived quality of service, Perceived cost, Perceived ease of use, trust and awareness, three significant factors i.e., perceived risk, perceived usefulness  and perceived quality of service have been identified that actively influence future adoption intention to adopt internet banking . Further the study exhibited that perceived usefulness and perceived quality of service positively influence the intention to adopt i-banking while perceived risk negatively affect the future adoption intention of i-banking. This  model has the overall predictability of classifying 76.7 % cases correctly and exhibited that 87.2 % customers are classified for adopting i-banking service whereas 57.1 % customers for not having intention to use it in future

  17. Cotton Germplasm Collections:Opportunities and Challenges

    PERCY Richard G

    2008-01-01

    @@ According to an FAO report in 1996,49000 cotton genotypes are being maintained in germplasm collections worldwide.Of these accessions,approximately 67% reside in the six largest collections.Identification of mutual opportunities and challenges faced by these germplasm banks could result in major benefits to the international research community.A primary goal of all germplasm collections always has been the expansion and improvement of the genetic diversity residing within them.

  18. Bank Risk and Non-Interest Income Activities in the Indonesian Banking Industry

    Wahyu Yuwana Hidayat; Makoto Kakinaka; Hiroaki Miyamoto

    2012-01-01

    The recent trend of product diversification in the Indonesian banking industry underscores the importance of non-interest income activities. This study examines the relationship between product diversification and bank risk over the period of 2002-2008. Our analysis shows clear evidence that the effect of product diversification on bank risk depends highly on the bank's asset size. Specifically, the degree of product diversification is negatively associated with bank risk for small-sized bank...

  19. MERCHANT BANKING ACTIVITIES IN INDIADETAILED INFORMATION

    Waghamare Shivaji; Sandeep Kumar M

    2015-01-01

    Merchant banking ser vi ces str e n g t h e n t h e e c o n omi c development of a country as they acts as sources of funds and information for corporations. Considering the way the Indian economy is growing, the role of merchant banking services in India is indispensable. These financial institutes also act as corporate advisorybodiesto help,corporations rightly get involved in various financial activities. The need of merchant banking services in India arises from the fact that hig...

  20. Nonviolent Activism in the West Bank

    Buchhave, Eva Juliane; Schou Drivsholm, Louise; Finnemann, Mette; Thøgersen, Silja

    2013-01-01

    The West Bank has been under occupation since 1967. From the perspective of Giorgio Agamben (1998; 2005) the Palestinians have been assigned to elements of the state of exception and bare life, caused by political, legal, physical and economic constraints. According to Nancy Fraser’s (2008) theory these constraints result in misrepresentation, maldistribution and misrecognition within the West Bank society. The constraints limit nonviolent activism at multiple levels, including movement restr...

  1. Cotton Germplasm Collections:Opportunities and Challenges

    PERCY; Richard; G

    2008-01-01

    According to an FAO report in 1996,49000 cotton genotypes are being maintained in germplasm collections worldwide. Of these accessions,approximately 67% reside in the six largest collections. Identification of mutual opportunities and challenges faced by these germplasm banks could result in

  2. Some banking activities of the Islami Bank Bangladesh Ltd.

    Dr. Abu Zafar Mahmudul Haq

    2013-02-01

    Full Text Available Banking sectors of Bangladesh are not going well in terms of investment. Among different banks in Bangladesh, Islami Bank Bangladesh Limited (IBBL is running good for the modes of investment. So this study is conducted of the investment modes of this bank. Study is based on secondary information of the IBBL and opinion survey among twenty clients which has been done through convenient sampling on a purposively selected branch. It concludes that trend of investment of the IBBL runs well.

  3. Some banking activities of the Islami Bank Bangladesh Ltd.

    Dr. Abu Zafar Mahmudul Haq

    2013-01-01

    Banking sectors of Bangladesh are not going well in terms of investment. Among different banks in Bangladesh, Islami Bank Bangladesh Limited (IBBL) is running good for the modes of investment. So this study is conducted of the investment modes of this bank. Study is based on secondary information of the IBBL and opinion survey among twenty clients which has been done through convenient sampling on a purposively selected branch. It concludes that trend of investment of the IBBL runs well.

  4. Performance of Tunisian Banks Following Transformations of Banking Activities

    Bassem Salhi; Younes Boujelbene

    2012-01-01

    This article aims to study the impact of new forms of banking intermediation on the performance of Tunisianbanks. The analysis was conducted on a sample of 10 Tunisian banks for a period of analysis that spans 13 years,from 1997 until 2009. To make better use of our database, we have utilized the panel data technique.Our empirical validation shows that the context of bank intermediation is still traditional, despite the reforms offinancial liberalization; they still carry the traditional busi...

  5. Risks and return of banking activities related to hedge funds.

    Mustiers, J P.; DuBois, A.

    2007-01-01

    There are approximately 10,000 hedge funds worldwide, managing assets of over USD 1.5 trillion. Investment banking activities are more and more intertwined with hedge funds, as hedge funds obtain financing from banks through prime brokerage and are clients or counterparties of banks for all sorts of products. The development of hedge funds has therefore created many opportunities for investment banks. Bank benefit from hedge funds activities directly to the extent that hedge funds are their c...

  6. Probabilistic Models of Analysis of Loan Activity of Internet Banking

    Kondrateva Irina G.; Ostapenko Irina N.

    2012-01-01

    In article the main advantages of electronic banking in comparison with traditional, methods of the analysis of credit activity are considered. The special role is taken to the probabilistic method of analysis of credit activity in the Internet-bank. Modeling of activity of bank on the basis of probabilistic models of credit operations.

  7. [Grand Banks activity : updates and opportunities

    An overview of the exploration and on-going activities by the petroleum industry on the Grand Banks of Newfoundland was presented. The two offshore oil developments underway are Hibernia and Terra Nova, both located in the Jeanne d'Arc Basin. Current production from Hibernia is 68,000 bopd, expected to rise to 130,000 bopd in 1999. The Terra Nova Field is still under development. Total recoverable reserves from the 17 discoveries made in the Jeanne d'Arc Basin are estimated at 1.6 billion barrels of oil and 4 trillion cubic feet of gas. Industry participants in the area include Amoco, Petro-Canada, Mobil, Chevron, Husky and Norsk Hydro. Petro-Canada believes the Grand Banks represent one of the best opportunities for oil anywhere in the world. There are currently 21 exploration licenses held on the Grand Banks. Major attractions of the area include the large reserve potential, the relatively low finding costs, the size of the pools being discovered, improvements in offshore technology that have substantially lowered development costs, and a profit-sensitive generic royalty regime that ensures reasonable rates of return for investors. figs

  8. Credit and investment activities of commercial banks in Ukraine

    Olga Zaslavska

    2013-04-01

    Full Text Available The aim of the article is an examination of the credit and investment activities of commercial banks in Ukraine. Using the indicators of profitability the author has made an evaluation and analysis of the effectiveness of credit and investment banking. There are also shown dynamics and structure of the Ukrainian banks credit portfolio. In the article are revealed trends and impacts on bank investment lending to the real sector of Ukrainian economy.

  9. Financial Activities Taxes, Bank Levies and Systemic Risk

    Giuseppina Cannas; Jessica Cariboni; Massimo Marchesi; Gaëtan Nicodème; Marco Petracco Giudici; Stefano Zedda

    2014-01-01

    The question of additional taxes on banking institutions has recently been debated.At the same time, financial regulation in the banking sector is undergoing many changes aimed at strengthening financial stability. This paper uses SYMBOL, a micro-simulation model of the banking system, to estimate contributions to systemic risk of individual banks under various future regulatory scenarios and compares them to their potential tax liabilities under alternative designs of Financial Activity Taxe...

  10. Dry matter yield, feeding value, and antioxidant activity in Mediterranean chicory (Cichorium intybus L.) germplasm

    PILUZZA, Giovanna; SULAS, Leonardo; BULLITTA, Simonetta

    2014-01-01

    Knowledge about the forage yield potential and bioactive compound contents of Mediterranean natural populations of chicory is still scarce, even though it could be very helpful in view of the exploitation of the feeding value of local chicory germplasm for ruminants. Dry matter yield, chemical composition, antioxidant capacity, total polyphenols, flavonoids, and condensed tannins content were determined in 7 natural populations of Mediterranean wild chicory and, as a comparison, in the chicor...

  11. Analysis of banking activity by business line

    E. Crété.

    2012-01-01

    Against a backdrop of financial tensions and banking regulation reforms, discussions about the various bank business lines have come into sharper focus and, in the light of the highly diversified profi le of French banking groups, in September 2011 the CNIS (Conseil national de l’information statistique – National Council for Statistical Information) set up a working group on bank business lines in which the Banque de France participated. Published in May 2012, the group’s report sets out var...

  12. 12 CFR 980.2 - Limitation on Bank authority to undertake new business activities.

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Limitation on Bank authority to undertake new... LOAN BANK ACTIVITIES NEW BUSINESS ACTIVITIES § 980.2 Limitation on Bank authority to undertake new business activities. No Bank shall undertake any new business activity except in accordance with...

  13. 12 CFR 211.23 - Nonbanking activities of foreign banking organizations.

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Nonbanking activities of foreign banking organizations. 211.23 Section 211.23 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM INTERNATIONAL BANKING OPERATIONS (REGULATION K) Foreign Banking Organizations §...

  14. 12 CFR 225.126 - Activities not closely related to banking.

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Activities not closely related to banking. 225.126 Section 225.126 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE... Financial Holding Companies Interpretations § 225.126 Activities not closely related to banking. Pursuant...

  15. 12 CFR 204.122 - Secondary market activities of international banking facilities.

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Secondary market activities of international banking facilities. 204.122 Section 204.122 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF...) Interpretations § 204.122 Secondary market activities of international banking facilities. (a) Questions have...

  16. Green Bank Telescope active surface system

    Lacasse, Richard J.

    1998-05-01

    During the design phase of the Green Bank Telescope (GBT), various means of providing an accurate surface on a large aperture paraboloid, were considered. Automated jacks supporting the primary reflector were selected as the appropriate technology since they promised greater performance and potentially lower costs than a homologous or carbon fiber design, and had certain advantages over an active secondary. The design of the active surface has presented many challenges. Since the actuators are mounted on a tipping structure, it was required that they support a significant side-load. Such devices were not readily available commercially so they had to be developed. Additional actuator requirements include low backlash, repeatable positioning, and an operational life of at least 230 years. Similarly, no control system capable of controlling the 2209 actuators was commercially available. Again a prime requirement was reliability. Maintaining was also a very important consideration. The system architecture is tree-like. An active surface 'master-computer' controls interaction with the telescope control system, and controls ancillary equipment such as power supplies and temperature monitors. Two slave computers interface with the master- computer, and each closes approximately 1100 position loops. For simplicity, the servo is an 'on/off' type, yet achieves a positioning resolution of 25 microns. Each slave computer interfaces with 4 VME I/O cards, which in turn communicate with 140 control modules. The control modules read out the positions of the actuators every 0.1 sec and control the actuators' DC motors. Initial control of the active surface will be based on an elevation dependant structural model. Later, the model will be improved by holographic observations.Surface accuracy will be improved further by using laser ranging system which will actively measure the surface figure. Several tests have been conducted to assure that the system will perform as desired when

  17. Molecular characterization of patchouli (Pogostemon spp) germplasm.

    Sandes, S S; Zucchi, M I; Pinheiro, J B; Bajay, M M; Batista, C E A; Brito, F A; Arrigoni-Blank, M F; Alvares-Carvalho, S V; Silva-Mann, R; Blank, A F

    2016-01-01

    Patchouli [Pogostemon cablin (Blanco) Benth.] is an aromatic, herbaceous plant belonging to the Lamiaceae family native to Southeast Asia. Its leaves produce an essential oil regularly used by the perfume and cosmetics industries. However, since patchouli from the Philippines and India were described and named Pogostemon patchouli, there has been a divergence in the identity of these species. The objective of the current study was to study the genetic diversity of patchouli accessions in the Active Germplasm Bank of Universidade Federal de Sergipe using microsatellite and inter simple sequence repeat markers. The results of both types of molecular markers showed that there are two well-defined clusters of accessions that harbor exclusive alleles. It was observed that these two clusters are genetically distant, suggesting that they belong to two different species. Based on the results, two accessions were classified as Pogostemon heyneanus and the remaining accessions were classified as P. cablin. PMID:26909987

  18. Morphologic characterization of 100 Capsicum accessions from the Germplasm Bank at Nacional University of Colombia Caracterización morfológica de cien introducciones de Capsicum del Banco de Germoplasma de la Universidad Nacional de Colombia Sede Palmira

    Vallejo Cabrera Franco Alirio

    2006-09-01

    Full Text Available

    Morphologic characterization of 100 Capsicum accessions from the Germplasm Bank at Nacional University of Colombia. 100 accessions of 4 species of Capsicum from the germplasm bank at National University of Colombia, Palmira Campus, morphologically were characterized. The accessions were collected in different regions of Colombia such as Andean, Caribbean, Pacific, Amazon, and East Savannas and some ones introduced from other countries of Central and South America through the germplasm bank of USDA. 41 IPGRI´s descriptors were used to characterize the Capsicum accessions; fourteen of them were used to describe the vegetative traits, 10 to describe inflorescence traits, and 17 to describe fruit and seed traits. Frequency analysis for qualitative traits, main component analysis for quantitative traits, and multiple correspondence and discriminate analysis for both trait types were carried out. The morphologic characterization showed variability for all descriptors evaluated, specially fruit and architecture variation explained 60% of total variability found. The grouping, using Dice´s distance as evaluation criterion, permited formation of groups based in size, weight, and color of fruit. However, this criterion did not permit discriminate among species. Narrow genetic distances among species, showed that C. annuum, C frutescens, and C. chinense conform one morphologic group.

    Keywords: Capsicum, genetic germplasm, morphologic variation.

    Para la caracterización morfológica de cien introducciones de Capsicum, recolectadas en Colombia (Zonas Andina, Caribe, Pacífica, Amazónica y Llanos Orientales o introducidas de países centro y suramericanos a través del Banco de Germoplasma de USDA, se utilizaron 41 descriptores propuestos por el IPGRI (14 de caracteres vegetativos, 10 de in

  19. Education for National Development: World Bank Activities.

    Habte, Aklilu; Heyneman, Stephen

    1983-01-01

    The goals of education in developing nations are changing from interest in simply acquiring knowledge and fostering economic development to a greater understanding of the complexity of the relationship between schooling and larger national goals. The World Bank's role in these educational changes is covered. (IS)

  20. Off-balance sheet activities and financial innovation in banking

    M.K. LEWIS

    2013-12-01

    Full Text Available Bank’s off-balance sheet operations have grown rapidly in recent years. The ‘off’ balance sheet description denotes that the activities involve contingent commitments or contracts which generate income to a bank, but are not normally captured as assets or liabilities under conventional accounting procedures. The work explores the growth of this phenomenon in a broader context of innovations in financial techniques in banking. The author looks at the nature of off-balance sheet business and compares it with traditional banking operations. The reasons for the growth of these operations as well as their risks are then investigated.

  1. Marketing Activities of Polish Banks Evaluation Attempt

    Grzegorczyk, Wojciech

    2013-01-01

    Były one podejmowane w sposób profesjonalny dopiero od połowy lat dziewięćdziesiątych. Systematycznie wzrastała rola badań marketingowych jako przesłanki tworzenia strategii marketingowych banków. Działania te doprowadziły do istotnego postępu polityce produktu, dystrybucji i promocji. Systematycznie wprowadzane były innowacje produktowe i rozbudowywana bankowa sieć stacjonarna, internetowa i mobilna. Także działania promocyjne były profesjonalnie przygotowane i realizowane....

  2. Diversidade genética entre acessos de cacau de fazendas e de banco de germoplasma na Bahia Genetic diversity among farm and germplasm bank accessions of cacao in Bahia, Brazil

    Jeiza Botelho Leal

    2008-07-01

    Full Text Available O objetivo deste trabalho foi avaliar a diversidade genética de acessos de cacau, selecionados previamente como produtivos e resistentes à vassoura-de-bruxa na Bahia, e estudar suas inter-relações com genótipos no banco de germoplasma. Amostras de DNA de folhas dos 120 acessos, coletados em 17 fazendas de sete municípios do Sul da Bahia, foram amplificadas pela técnica de RAPD ("random amplified polymorphic DNA". Os coeficientes de dissimilaridade genética, calculados pelo método de Jaccard a partir das bandas RAPD, permitiram evidenciar, pela análise de agrupamento, que a maioria das seleções das fazendas (89,2% agrupou-se com acessos do banco de germoplasma considerados representativos da diversidade de cacau (híbridos, trinitários, Scavinas, amazônicos e cacau-comum. As demais seleções distribuíram-se em outros sete grupos distintos. Há elevada diversidade genética entre as seleções das fazendas, e algumas delas devem ter-se originado de genitores não incluídos nesta análise. Esses materiais apresentam potencial para seleção de clones com maior diversidade para novos cruzamentos ou uso pelos agricultores.The objective of this work was to assess genetic diversity of farm cacao accessions, previously selected as productive and resistant to witch broom in Bahia, Brazil, and to study their interrelationship with reference genotypes on germplasm bank. DNA samples from 120 cacao accessions, collected on 17 farms in seven counties in Southern Bahia, were amplified by RAPD technique (random amplified polymorphic DNA. The coefficients of genetic dissimilarity, calculated from the RAPD bands by Jaccard method, allowed to show by cluster analysis that most farm selections (89.2% grouped with accessions from germplasm bank considered representatives of the cacao genetic diversity (hybrids, Trinitarian, Scavina, Amazon and common cacao. The other selections were distributed in seven distinct groups. There is high genetic

  3. THE PROCESS OF MONITORING AND CONTROLLING WITH REFERENCE TO THE BANKING ACTIVITY

    RĂDUCAN LAURA – RAMONA

    2012-05-01

    Full Text Available During the last decades, the banking financial sector has evolved. Beginning with the evolution of the products offered by banks, the risks at which a bank is exposed have diversified. By taking into consideration the risks that appeared and the necessity of dealing with them in an efficient way, the banking institutions have had to embrace a strategic approach of their activities on the named markets.The present paper speaks about the audit activities, the external banking audit, and the internal banking audit as well as about the main features of the audit in the banking activity.

  4. Assessing bone banking activities at University of Malaya medical centre.

    Mohd, Suhaili; Samsuddin, Sharifah Mazni; Ramalingam, Saravana; Min, Ng Wuey; Yusof, Norimah; Zaman, T Kamarul; Mansor, Azura

    2015-12-01

    The main advantage of establishing in-house bone banks is its ability to readily provide allograft bones for local surgeries. Bone procurement activities of our university bone bank during the 10 years of operation were reviewed. Socio-demographic data of donors, types of bone procured, cases of rejected bones and types of allograft bones transplanted are presented. From 179 potential donors, 73 % were accepted with 213 procured bones. Femoral head was the common bone transplanted (45 %), as it was also the most common procured (82 %). Bones were rejected mainly due to non-technical reasons (83 %) rather than positive results of microbiological (13 %) and serological (4 %) tests. Comprehensive data could not be obtained for further analysis due to difficulties in retrieving information. Therefore, quality assurance system was improved to establish more systematic documentations, as the basis of good banking practice with process control hence allowing traceability. PMID:25656787

  5. 12 CFR 7.5001 - Electronic activities that are part of, or incidental to, the business of banking.

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Electronic activities that are part of, or incidental to, the business of banking. 7.5001 Section 7.5001 Banks and Banking COMPTROLLER OF THE CURRENCY... activities that are part of, or incidental to, the business of banking. (a) Purpose. This section...

  6. Psychosocial risks and the job activity of banking sector employees

    Aleksander Stańczak; Agnieszka Mościcka-Teske; Dorota Merecz-Kot

    2014-01-01

    Background: Psychosocial risks, via stress mechanism, may negatively influence employees’ health and work activity. Both the scale and the type of these risks depend on job specificity in particular occupation or sector. The aim of the study was to characterize the categories of stressors occurring in the banking sector and their effects on employees’ performance. Material and Methods: The studied subjects were 484 employees tested with the questionnaire method. The Scale of Psychosocial Risk...

  7. Executive expectation in the internationalization process of banks : The study of two Swedish banks foreign activities

    Hadjikhani, Annoch Isa

    2016-01-01

    Since the late 1980s, deregulation of the banking sector has opened new avenues for the internationalization of banks. There are, however, few studies on the internationalization of banks – particularly Swedish banks. The purpose of this thesis is to deepen our knowledge of bank’s internationalization process by studying how the executive function’s expectation of market conditions influences internationalization patterns. This thesis makes an empirical contribution by describing how the Swed...

  8. Theoretical Aspects and Basic Tendencies of the Investment Activities of Ukrainian Banks

    Savchenko, Tetiana

    2013-01-01

    The theoretical aspects of investment of domestic banks are considered, foreign experience schemes investigated investment activity is investigate, the current activities of banks in the securities market and the amount of investment lending, their impact on the banking system as a whole are defined.

  9. Micropropagation, seed propagation and germplasm bank of Mandevilla velutina (Mart. Woodson Micropropagação, propagação por sementes e banco de germoplasma de Mandevilla velutina (Mart. Woodson

    Ronaldo Biondo

    2007-06-01

    Full Text Available Mandevilla velutina (Mart. Woodson (Apocynaceae is a medicinal plant species with antivenom properties, native from Brazilian Savanna regions (Cerrado, which due to overexploitation and habitat deforestation is in danger of extinction. As an initiative for conserving this endangered but economically important plant species, a micropropagation protocol was developed and genotypes were stored in the Germplasm Bank "Cerrado In vitro". For the in vitro propagation of M. velutina, nodal segments were inoculated on Murashige and Skoog (MS medium supplemented with different concentrations of BA, Zeatin, 2ip, DTT and TDZ. Best multiplication ratio was achieved when to the medium 0.44 µM BA, ranging 1: 6.7, were added. Plantlets cultured on MS/2 medium supplemented with 26.85 µM NAA rooted successfully (50.5%. Although rooted and un-rooted plantlets acclimatized to soil conditions, great losses were observed within un-rooted plantlets, while the rooted presented 100 % survival. It was possible to maintain 43% of the M. velutina germplasm under healthy conditions for six months, with no subcultures, using the MS medium supplemented with 2% sucrose, 13.8 mM spermidine, 2% sorbitol and 2% dextrose.Mandevilla velutina (Mart. Woodson (Apocynaceae é uma planta medicinal de espécie nativa de regiões do Cerrado brasileiro com propriedades anti-ofídicas. Devido a alta exploração e devastação deste bioma, M. velutina está em perigo de extinção. Como uma iniciativa para a conservação desta espécie ameaçada e economicamente importante, um protocolo de micropropagação foi desenvolvido e genótipos foram colocados no Banco de Germoplasma "Cerrado In vitro". Para a propagação in vitro de M. velutina, segmentos nodais foram inoculados no meio Murashige and Skoog (MS suplementado com diferentes concentrações de BA, zeatina, 2ip, DTT e TDZ. A melhor resposta de multiplicação foi obtida em meio suplementado com 0.44 µM BA na razão 1: 6.7. Pl

  10. Legal Instruments of Regulation of Development of Banking Activity in Ukraine

    Senyshch Pavlo M.

    2014-03-01

    Full Text Available The article considers main approaches to identification of essence of legal instruments of regulation of development of the banking activity, identifies the mechanism of legal regulation of the banking activity and its elements and justifies the system and form of legal regulation of the banking activity in Ukraine. It describes subjects of legal regulation of the banking activity at the international level, which are the Basel Committee on Banking Supervision, European Central Bank, IMF, International Financial Reporting Standards Foundation and others. The article considers specific features of the regulatory requirements of Basel II and Basel III and specific features of their introduction into the banking activity. It describes anti-cyclic measures offered by the Basel Committee, which should facilitate formation of such conditions, under which the banking sector could have a lower level of leverage and stability with respect to influence of system risks. Significant attention is paid to international instruments of regulation of the banking activity, which include the following legal acts: Uniform Rules for Collections, Uniform Customs and Practice for Documentary Credits, and Unified Rules for Loan Guarantees. The article shows that the share of subordinate legal acts is significant in the Ukrainian system of banking regulatory and legal acts since the state cannot operatively react to the changing processes in banking at the legislative level and, that is why, basic provisions on carrying out banking activity should be fixed in law.

  11. Nuclear data activities at the NEA Data Bank

    The OECD Nuclear Energy Agency (NEA) Data Bank is an international centre of reference for its member countries with respect to basic nuclear tools, such as computer codes and nuclear data. The Data Bank is part of an international network of data centres in charge of the compilation and dissemination of basic nuclear data. The NEA nuclear data services include the collection of data, validation and distribution of the Nuclear Data libraries via the NEA web-site, offering easy access to databases containing bibliographical and experimental information, as well as evaluated libraries, e.g., the Joint Evaluated Fission and Fusion (JEFF) library. The selection and distribution of chemical thermodynamic data for radioactive waste management applications is the subject of the Thermochemical Database Project (TDB), supported by 17 organisations in 12 member countries and co-ordinated by the NEA Data Bank. In support of data evaluation, and generation of project oriented data libraries, relevant computer codes in the field of nuclear models, experimental data processing and evaluated data processing are made available to experts with the support of the member countries. Large collections of benchmark experiments for data and code validation are also available from the NEA in areas such as criticality safety (ICSBEP), radiation shielding (SINBAD), fuel performance (IFPE) and reactor physics (IRPhE). The NEA Working Party on international nuclear data Evaluation Co-operation (WPEC) provides a framework for co-operative activities between the six major evaluation projects (BROND, CENDL, Endf, FENDL, JEFF and JENDL). (authors)

  12. Recursos genéticos do banco de germoplasma de hortaliças da UFV: histórico e expedições de coleta Genetic resources of the vegetable germplasm bank at the UFV, Brazil: historical background and assessment

    Derly José Henriques Silva

    2001-07-01

    decades, as registered by the germplasm bank of vegetables (BGH. In 1986, the UFV created the BGH with the support of the Rockefeller Foundation to recover native and non-native species; to register and maintain germplasm exchange with other world regions and to evaluate their potential for the various Brazilian climate conditions. The BGH genetic resources have been assessed for 23 years. This intermittent activity was initiated in 1964, covering six years of assessment during the 1960s and the 1970s plus seven and four years during the 1980s and the 1990s, respectively. Maximum assessment was carried out in 1967 with 1.480 accesses. Today, UFV's BGH owns 6.559 accesses comprising 25 families and 106 species. The most participating families are: solanaceae (44.21%; leguminosae (16.83%; cucurbitaceae (15.70% and the remaining families (23.26%. Data in this work show that the concern with assessing vegetable genetic resources aiming to recover the variability of major populations is previous to the creation of the IPGRI in the 1970s. A systematic data registration shows an expressive number of accesses and species diversity. This is an advantage since the germplasm of cultivated species will remain the most used source for variety development. Genetic vulnerability can only be avoided through variability, which is dependent on genetic resources.

  13. The changing business activities of banks in Canada

    Jim Armstrong

    1997-01-01

    Over the last 30 years, the business mix of banks in Canada has changed significantly. Progress in information-processing technology, legislative changes, and market forces have combined to blur the traditional distinctions between banks and other financial institutions and have allowed banks to offer a much wider range of products and services. In this article, the author reviews the expansion of bank lending to households over this period and their recent movement into personal wealth manag...

  14. Stimulating Investment Development through Transformation of State Banks Activity

    Kulpinska Lidiya K.

    2013-12-01

    Full Text Available The article considers significance of state corporations and state financial institutions in stimulation of investments into the fixed capital of the country and considers problems of increase of efficiency of activity of these institutions in the world and Ukraine. It considers the state sector of the developing countries through the prism of activity of state financial and non-financial corporations. It analyses theories of positive and negative features of carrying out state investing through state-owned banks. It analyses the role of state financial corporations in Ukraine, in particular, in crediting and expansion of the portfolio of acquired governmental bonds and offers ways of its increase in the context of necessity of directing funds into investment development.

  15. Fishing activities on the Dogger Bank 2006-2011

    Bartelings, H.; Hamon, K.G.; Oostenbrugge, van J.A.E.

    2013-01-01

    In 2008, the Minister of Agriculture, Nature and Food Quality notified four proposed Sites of Community In-terest (pSCIs) to the European Commission (for protection as Special Conservation Areas (SCAs) under the Habitats Directive). These areas are the Dogger Bank, Cleaver Bank, the Coastal Zone and

  16. Optimizing the Banking Activity Using Assets & Liabilities Management

    Vasile Dedu

    2008-10-01

    Full Text Available In the actual study, starting from the international experience, we revealed the role that should be taken by the Assets and Liabilities Committee (ALCO within the Romanian commercial banks. ALCO became one of the tools used by the executive management of the banks to take decisions regarding the future policy of assets and liabilities management, relying on the synthetic information prepared by well trained technicians but without voting right (usually middle management staff. We consider that the implementation of an assets and liabilities management strategy cannot be done without an appropriate corporate governance structure, even though the bank is having highly specialized staff. Models of some western banking institutions may be considered as benchmarks by the Romanian banks.

  17. Crisis-Related Shifts in the Market Valuation of Banking Activities

    Charles W. Calomiris; Doron Nissim

    2012-01-01

    We examine changes in the market valuation of banking activities over the last decade, focusing on the effects of the financial crisis. Our valuation model recognizes that banks create value through the types of assets and liabilities that they create and the various types of risk they undertake (including their leverage, their lending risk, and their interest rate risk). The model also allows for heterogeneous bank income streams, dividend signaling effects, and changes in capitalization rat...

  18. Integrating the Activities Required to Recruit and Retain Profitable Customers in Contemporary Retail Banking

    Walsh, Susan

    2002-01-01

    Today’s high street retail bank faces a major challenge in integrating the marketing activities required both to recruit new customers and to retain existing profitable ones. The challenge involves a judicious mix of “transaction marketing” – mainly aimed at winning new clients – and of “relationship marketing”- largely aimed at retaining present ones. Evidence from a detailed qualitative study of marketing practice in a UK high street bank, a subsidiary of an Irish headquartered bank, demons...

  19. IMPACT OF THE BANKING CRISIS IN MORTGAGE LOAN ACTIVITY IN RUSSIA

    Ishchenko, I.

    2012-01-01

    The process of impact of the banking crisis in mortgage loan activity in Russia is discussed in this scientific article, there are identified main problems of mortgage loan activity and offered constructive solutions of these problems.

  20. Psychosocial risks and the job activity of banking sector employees

    Aleksander Stańczak

    2014-08-01

    Full Text Available Background: Psychosocial risks, via stress mechanism, may negatively influence employees’ health and work activity. Both the scale and the type of these risks depend on job specificity in particular occupation or sector. The aim of the study was to characterize the categories of stressors occurring in the banking sector and their effects on employees’ performance. Material and Methods: The studied subjects were 484 employees tested with the questionnaire method. The Scale of Psychosocial Risk was used as a research tool. Results: The more the employees are exposed to threats connected with work content, work context, pathologies and specific factor, the less satisfied they are and the more frequently they declare turnover intention. However, rarely does it change their engagement or absence. The subjects felt the effects of risks, regardless of their stressfulness. It turns out that individual’s well-being is rather related to work context, e.g. relations with co-workers or salary, than to the character of tasks. It was observed, that with age, employees are less resistant to work context related to threats, which results in frequent absence. Conclusions: Most of the results comply with the literature data. The work environment diagnosis may be based only on the occurrence of psychosocial risks, regardless of the subjectively experienced stress. The conclusions can be used by both employers and specialists in occupational stress prevention. Med Pr 2014;65(4:507–519

  1. EMERGING RISKS IN BANK CREDIT ACTIVITY IN TERMS OF FINANCIAL BANKING MARKETING

    Emanuela Maria Avram; Iulia Furdui; Ioana Preda

    2010-01-01

    "Whether you know it or not, we all practice marketing. The difference arises between those who do it by ear and those who turn it into a successful career”.1 The role of marketing in the financial-banking sphere resides in identifying and meeting the criteria of the most profitable market segments, determining and assessing present and future needs of these particular clients, establishing the activities’ objectives of development and prepare plans for their achievement, promote various prod...

  2. How Banks Fit in an Internet Commerce Business Activities Model

    Dr.D.S.Stamoulis

    2000-01-01

    Banks have started investing in the internet commerce market, by discovering areas in which they have a role to play and can reap the benefits first. However, to define niche markets and decide what to offer, they need a clear and concise Internet commerce strategy. A prerequisite for this, is an Internet market chart where it is shown where and how banks are involved in this new market and which areas have not yet been exploited. This is the purpose of this paper.

  3. The influence of globalization processes on the banking activity in Ukraine

    Dmytro Kretov

    2015-11-01

    Full Text Available In the article has been disclosed the contemporary approaches to the definition of the concepts of "globalization" and "financial globalization"; characterized their relationship and offered their periodization process development; defined effect of financial globalization on the world economy and its banking sector; classified the factors that affect the ability of the national banking systems to function in the international financial markets; analyzed the impact of the last global crisis on the Ukrainian bank's activities and determined the effect of globalization on the modern banking sector development in the national economy; implemented the comparative analysis of different calculation methods of the index of economic globalization; offered recommendations for improving the approaches of regulating the banks activities in the context of financial globalization.

  4. Investment banks

    Lejot, P

    2013-01-01

    Investment banking is a generic term for transactional activities involving financial intermediation conducted through open markets. It was long associated with a legal demarcation in the US and Japan that separated banks that made loans and took deposits from those that traded in securities, but now denotes risk-based activities in banks of any kind. This paper explains investment banking practices in terms of reputational capital, and contrasts the transactional skills and innovation found ...

  5. Bank robberies by an Asian gang: an assessment of the routine activities theory.

    Wang, John Z

    2002-10-01

    It was reported for the first time that a series of bank robberies were committed by an Asian gang group in a major southern city. The bank robberies showed a variety of operational methods. The purpose of this descriptive study is to apply the routine activities theory to explain the causal factors of the robberies. The analysis shows that the six Asian bank robberies resulted from a supply of motivated offenders, the availability of suitable targets, and a low level of capable guardians against crime. Findings suggest that crime-specific measures are an appropriate method for examining the merits of the routine activities theory. PMID:12365143

  6. Improving of methods and organization of the inspection activity of The Bank of Russia

    Fedulov Vladislav Igorevich

    2011-10-01

    Full Text Available The article presents information about the main causes of bank failures at present, that has been taken to find some lacks of modern organization of the Bank of Russia inspection activity. In order to eliminate the revealed lacks we supplied some methods for increasing the effectiveness of the unscheduled narrowly focused thematic inspections that are held to update opinions of supervisor about the risks and to obtain quickly reliable information about specific areas of the bank. Such an approach to organization of inspection activities is more in line with the concept of risk-focused supervision.

  7. IMPROVEMENT OF THE PRINCIPLES OF THE ORGANIZATION OF INSPECTION AND SUPERVISING ACTIVITY OF BANK OF RUSSIA

    Виктор Макарович Заернюк

    2013-04-01

    Full Text Available In article established practices of the organization of control and supervision of Bank of Russia of activity of the Russian commercial banks are considered.  The analysis is carried out and the assessment of a level of development of a substantial component of bank regulation and supervision is given.Purpose: Research of tendencies and problems in the organization of control and supervising activity of Bank of Russia at the present stage.Methodology: General scientific methods were used: analysis and synthesis, comparisons, generalizations, system approach. In the course of use of the actual material methods of the economical and statistical analysis were used.Results: The conclusion that the excessive and bureaucratized control from the Central bank interferes with dynamic development of the banking sector is drawn. It is required to generation of the new thinking which is expressing in transfer of accent from need of strict, in many respects of formal, application of bank instructions and regulations on formation of professional opinion of the controler, increase of its responsibility for results of checks.DOI: http://dx.doi.org/10.12731/2218-7405-2013-3-1

  8. Dzialalnosc Panstwowego Banku Rolnego w Generalnej Guberni/The Activity of the National Bank of Agriculture in the General Government

    Miroslaw Klusek

    2013-01-01

    In this article we try to estimate the activity of the banking institution in the General Government which used the pre-war apparatus of The National Bank of Agriculture. The bank was one of the largest banks realising the aim delineated by the government of the Second Polish Republic, such as the support of agricultural reform in the mid-war period. German authorities in the General Government used assets of the bank for other tasks. They were eager to use The National Bank of Agriculture an...

  9. Overview of OECD-NEA Nuclear Science and Data Bank Activities

    Overview: • NEA Areas of Work, Standing Committees; • Nuclear Science & the Data Bank: – Working Parties & Expert Groups; – integral experiments databases; – linked Data Bank/Nuclear Science products. • Reactor Physics and Criticality Integral Experiments: – ICSBEP& IRPhE evaluations; – Database tools (DICE, IDAT, SFCOMPO-X). • Other Activities related to Fast Reactors: – WPRS SFR Task Force; – Nuclear Data, WPEC sub-group on data adjustment; – Fuel Cycle and Materials. • Looking Ahead: – Uncertainty Analysis for transient modelling; – Russian Accession to the NEA and Data Bank; – Impact of Fukushima on Nuclear Science Programmes of Work

  10. Fraudulent Activities and Forensic Accounting Services of Banks in Port Harcourt, Nigeria

    Appah Ebimobowei

    2012-04-01

    Full Text Available The increasing rate of frauds and financial malpractices in the Nigerian banking industry in recent times have made financial institutions to develop means of facing these challenges with the use of forensic accounting services. Forensic accounting is the use of accounting, auditing and investigative skills to determine whether fraud has occurred in any organization. The study examines the effect of forensic accounting services on fraud detection in Nigerian banks. To achieve this objective, data was collected from primary and secondary sources. The primary data were collected with the help of a well structured questionnaire of three sections administered to twenty four banks in Port Harcourt the capital of Rivers State and the data collected from the questionnaires were analysed with descriptive statistics, Augmented Dickey-fuller, ordinary least square and Granger Causality. The result reveals that the application of forensic accounting services affects the level of fraudulent activities of banks. On the basis of this finding, the paper concludes that forensic accounting services provide banks with the necessary tools to deter fraudulent activities. Therefore, the study suggests among others that banks should invest on human capital development of their personnel, government and regulatory authorities should ensure the provision of standards and guidelines to regulate forensic activities and above all Nigerians should embrace integrity, objectivity, fairness and accountability in their day-to-day activities.

  11. Lithuania : Banking System Assessment

    World Bank

    2009-01-01

    The Bank of Lithuania (BoL), the Central Bank, was established in 1990. BoL has the exclusive right to grant and revoke licenses to local and foreign banks and to supervise their activities. Private commercial banking boomed from 1991 to 1994 while bank regulation was lax. In late 1995, a bank crisis caused failures of most of the Lithuanian banks, and the remaining banks resulted in better ...

  12. The ineffectiveness of statutory auditors' control activity. Empirical evidence from Italian banking industry

    D'Amato Antonio; Giannizzari Rosaura

    2014-01-01

    The work aims at providing an empirical evidence on the ineffectiveness of the board of statutory auditors in Italian banking industry in the time-span 2002-2011. Using the results of the inspection procedures of the Bank of Italy, as a measure of the effectiveness of the statutory auditors, the research has highlighted the close dependence of the latters from the Board of Directors. Furthermore, the study has revealed that in presence of an external auditor the statutory auditors activity is...

  13. Public Relations Activities of the Bank of Japan and Its Approaches to Financial Literacy Education

    Public Relations Department

    2005-01-01

    The Bank of Japan considers it important to disseminate information and provide explanations to the general public, in a plain and understandable manner, about its operations and organization, as well as financial and economic developments, in addition to public relations activities through the media. In recent years, the Bank has devoted effort to financial literacy education for the next generation, which will play an important role in Japan's economy in the future.

  14. Fruit morphological descriptors as a tool for discrimination of Daucus L. germplasm

    Morphological diversity of a Daucus L. germplasm collection maintained at the National Gene Bank of Tunisia was assessed using fourteen morphological descriptors related to mature fruits. Quantification of variability for each character was investigated using the standardized Shannon-Weaver Diversit...

  15. Microsatellite fingerprinting in the International Cocoa Genebank, Trinidad: Accession and plot homogeneity information for germplasm management

    The International Cocoa Genebank, Trinidad (ICG,T) is the largest public domain field gene bank collection of cacao and the correct identity of each tree is crucial for germplasm movement, evaluation and phenotypic characterization. Nine microsatellite loci were used to assess the identity of 1480 t...

  16. INTERNAL RATING – AN ACTIVE INSTRUMENT IN THE MANAGEMENT OF BANKING RISKS. CASE STUDY BCR

    PhD Gabriela Cornelia Piciu

    2013-06-01

    Full Text Available This paper aims to clarify some aspects regarding the banking activity in general, of crediting, in particular, because it involves a risk by the very elements of anticipation underlying the decision of the banking specialists. For the bank it is very important to know this risk, to make an evaluation as close as possible to reality, and to reject or accept it in full awareness. The contribution of the internal rating in terms of efficiency and stability of a bank is shown via a case study – the Romanian Commercial Bank. The internal rating used by BCR is an active instrument for making credit decisions it provides valuable indicators to the banking analysts that can be used to develop de risk management policies and the prudential measures for the balanced risk dispersion. Given the fact that the credit rating contributes to the objective, professional analysis, the system must be continuously improved and developed by categories of clients and types of risk, so that the included criteria and the resulting conclusions are relevant.

  17. 12 CFR 347.206 - Domestic retail deposit activity requiring deposit insurance by U.S. branch of a foreign bank.

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Domestic retail deposit activity requiring... Banks § 347.206 Domestic retail deposit activity requiring deposit insurance by U.S. branch of a foreign bank. (a) Domestic retail deposit activity. To initiate or conduct domestic retail deposit...

  18. What is controlling shallow active methane seeps in Lake Baikal? Posolsky Bank case-study

    L. Naudts; Granin, N.; Khlystov, O.; Chensky, A.G.; J. Poort; De Batist, M.

    2008-01-01

    Active methane seeps and gas hydrates occur worldwide in the marine environment especially at continental margins. Lake Baikal represents a unique case to study active methane seeps and gas hydrates in an active tectonic, lacustrine setting. In this study we present and explain the distribution of several shallow active methane seeps located on the Posolsky Bank, a major tilted fault block in the central part of Lake Baikal.Active methane seeps were detected with a single-beam echosounder, wh...

  19. 30 CFR 57.3430 - Activity between machinery or equipment and the highwall or bank.

    2010-07-01

    ... 30 Mineral Resources 1 2010-07-01 2010-07-01 false Activity between machinery or equipment and the... AND NONMETAL MINES Ground Control Precautions-Surface Only § 57.3430 Activity between machinery or equipment and the highwall or bank. Persons shall not work or travel between machinery or equipment and...

  20. 30 CFR 56.3430 - Activity between machinery or equipment and the highwall or bank.

    2010-07-01

    ... 30 Mineral Resources 1 2010-07-01 2010-07-01 false Activity between machinery or equipment and the... NONMETAL MINES Ground Control Precautions § 56.3430 Activity between machinery or equipment and the highwall or bank. Persons shall not work or travel between machinery or equipment and the highwall or...

  1. Role of Banking Institutions in Control of Activities of Conversion Centres

    A. Bugaienko

    2010-12-01

    Full Text Available The effective risk management is one of the most important problems in activities of any commercial banks and banking system on the whole. It concerns to the risk of involving a bank in money laundering with the help of conversion centres because, in spite of considerable efforts directed against the legalization of "dirty" cash, there hasn’t been established the effective control system against all these negative facts in the world yet.The problem covered in this article concerning the involvement of banks in the process of illegal conversion of money into cash and methods which counteract this negative fact is a basis for preservation of bank reputation. The topicality of this work is confirmed by the complication of conversion schemes and constant opening of conversion centres by the law enforcing bodies.The regulatory and legal framework of control against criminal income legalization through conversion operations; the disposition of standard acts which regulate these issues are considered there. It is defined the aim of conversion operations accomplishment and how it is achieved by criminals. The main features which describe conversion centres and the necessity of studying the illegal schemes of conversion of money into cash are presented. The author came to the conclusion that the most widespread way of conversion is involvement of banking institutions.It is proved that it’s necessary to study the influence of conversion centres on the activity of not only banking institutions but the economic system on the whole.There are made suggestions as to the detection of conversion schemes through the calculation of indices provided by statistic records; the conducting of field checks of clients’ activities and the implementation of currency control.

  2. Current Situation of Introduction and Use of African Crop Germplasm Resources and Recommendations

    Zili; DING; Minghua; YAO; Chunhai; JIAO

    2015-01-01

    Africa is the origin center of many crops. It is rich in original ecological resources,especially special resources which are excellent materials for breeding research. With acceleration of commercial seeds in agriculture of African countries,some original ecological resources are disappearing. Through experience of introduction of African varieties in recent years,it analyzed current situation of introduction and use of African crop germplasm resources. Finally,it came up with recommendations for rescuing and taking full advantage of excellent African resources,solving difficult problem restricting crop breeding,enriching China’s crop germplasm bank,and improving China’s and African crop breeding level and innovation ability.

  3. Notice of release of Fanny Germplasm, Carmel Germplasm, and Bonneville Germplasm Searls' prairie clover: Selected class of natural germplasm

    Three natural-track selected germplasms of Searls' prairie clover (Dalea searlsiae [A. Gray] Barneby [Fabaceae]) have been released for use in revegetation/restoration of semi-arid rangelands in the western US. Searls' prairie clover is a perennial leguminous forb that is native to Utah, Nevada, Ar...

  4. Barley germplasm conservation and resources. Chapter 7 in barley: improvement, production, and uses. Blackwell Publishing, ED.S.E. Ullrich

    The history and current status of barley germplasm preservation activities is presented on a global scale and specifically for the United States. Total of barley germplasm holdings at 47 major barley collections (those with more than 500 accessions) worldwide is approximately 402,000 accessions. I...

  5. Specific features of domestic banks activity in the factoring services market

    Trygub Olena V.

    2014-01-01

    Full Text Available The article analyses specific features of formation and development of the domestic factoring market. In the result of the study the article establishes that development of factoring in Ukraine took place due to active participation of banking institutions in this process and nowadays they are leaders in the domestic factoring services market due to possessing significant competitive advantages if compared with non-banking companies that specialise in factoring. The article detects that nowadays the banks are not only offerers of factoring services and finance factoring operations of other market participants, but also take an active part in establishment of factoring branches and are consumers of factoring services. In order to accelerate development of international factoring in Ukraine, the article offers such forms of state support of banks, which render factoring services to domestic exporters. The article recommends to focus banks’ attention, under modern conditions that are characterised with volatility of financial markets, on factoring servicing of those clients, whom they have long business relations with, without jeopardising themselves through provision of factoring services to a big number of small debtors. The article provides schemes of banks’ co-operation in the sphere of “non-classic” factoring with accredited factoring companies.

  6. Merger and Acquisition Activity as Driver of Spatial Clustering : The Spatial Evolution of the Dutch Banking Industry, 1850-1993

    Boschma, Ron; Hartog, Matté

    2014-01-01

    This article investigates the extent to which merger and acquisition (M&A) activity contributed to the spatial clustering of the Dutch banking industry in Amsterdam. This analysis is based on a unique database of all banks in the Netherlands that existed in the period 1850-1993. We found that spatia

  7. What is Shadow Banking?

    Stijn Claessens; Lev Ratnovski

    2014-01-01

    There is much confusion about what shadow banking is. Some equate it with securitization, others with non-traditional bank activities, and yet others with non-bank lending. Regardless, most think of shadow banking as activities that can create systemic risk. This paper proposes to describe shadow banking as “all financial activities, except traditional banking, which require a private or public backstop to operateâ€. Backstops can come in the form of franchise value of a bank or insurance c...

  8. Global view of cotton germplasm resources

    This paper reports the status of several large cotton germplasm collections present across the world. Cotton germplasm collections discussed include those from the US, India, France, China, Australia, Uzbekistan, and Brazil. These collections represent a large portion of the curated cotton germpla...

  9. 12 CFR 7.3000 - Bank hours and closings.

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Bank hours and closings. 7.3000 Section 7.3000 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Operations § 7.3000 Bank hours and closings. (a) Bank hours. A national bank's board of...

  10. Modelling Strategy of Loan and Deposit Activity of a Commercial Bank

    Ilchenko Kseniia O.

    2014-01-01

    Full Text Available The article considers development of strategy of loan-deposit strategy of a bank, which could be presented by relevant rates. Bank activity is described with goodwill and liquidity indicators that characterise tangible and intangible resources of an institution. Goodwill indicator is calculated on the basis of the previous period data. Liquidity is a relation of assets to liabilities at a certain moment of time. On the basis of these indicators the article develops a mathematical model, which includes an assumption about dependence of the rate of growth of deposits on liquidity and goodwill functions. There is a task of two criteria optimisation, the solution of which is a set of rates. The article considers cases when a bank does not change rates during a set period of time and when a bank changes them frequently under condition that rates are independent from each other. If we make an assumption that each change of rates is accompanied with costs, which are not reflected in the model, changing rates is inexpedient. The article offers to use partially constant average values of rates. The article considers the use of the ideal point for selection of one value out of the set of Pareto efficient solutions. Using presentation of the task of one criterion optimisation with respect to the liquidity ratio, the article shows that the use of the goodwill indicator influences the rate of growth of deposits. This task is a special case of the previous one, which means that this solution is within the set of the presented Pareto efficient point. But in the event of non-strict correspondence with the extreme value of the liquidity ratio, the solution worsens. The necessity of use of both criteria is important and improves the south for solution.

  11. ariação e parâmetros genéticos em dois bancos de germoplasma de Tabebuia heptaphilla (Velloso Toledo. Variation and genetic parameters in two germplasm banks of Tabebuia heptaphilla (Velloso Toledo.

    Miguel Luiz Menezes FREITAS

    2008-06-01

    bancos degermoplasma.The aim of this study was to investigatethe genetic variation and to estimate geneticparameters for growth, form and survival traits at22 and 21 years of age in two progeny tests ofTabebuia heptaphylla, established in Luiz AntônioExperimental Station, belonging to the ForestryInstitute of the State of São Paulo. The test I wasestablished with 19 progenies from Bauruprovenance and the test II by 15 progenies fromAssis provenance. Significant differences amongprogenies were observed in the test I for form andsurvival and in test II for survival. The survival inboth tests was relatively high (> 77%, indicatingthat both populations present good adaptationto environmental condition of Luiz Antônio.The coefficient of genetic variation ( g CV wasgenerally low (£ 4.6%, suggesting that theadopted sampling strategy to conserve the geneticvariation of the populations was not efficientor both population have low genetic variation.The coefficients of heritability at individual plants( 2i h and within progenies levels ( 2d h were equallylow (maximum of 0.09. The coefficient ofheritability at progeny means level ( 2m h was highfor stem form (minimum 0.43 and survival (0.78,showing that both tested material have geneticpotential for selection. The estimative of the statusnumber before the selection in test I and II indicatedthat the 570 and 450 individuals, respectively,correspond to 39 and 31 not endogamic and relativetrees. After selection of six plants per progeny, thestatus number was reduced and the 114 and 90selected trees in test I and II, respectively, correspondto 32 and 25 trees non endogamic and withoutrelatedness. In general terms, the results indicatedthat low genetic variation and small status numberwas retained in both germoplasm banks.

  12. Extreme Spillover Between Shadow Banking and Regular Banking

    Paraschiv, Florentina; Qin, Minzi

    2013-01-01

    The current financial crisis brought light to a large banking sector that existed for decades within the "darkness" of the financial system - the shadow banking sector. Shadow bank assets are widely traded in the financial markets and shadow banking activities are intertwined with the daily business of regular banks. This unregulated banking sector has become systematically important. Its failure affected the entire banking system. We present a model based on multivariate extreme value theory...

  13. The Chinese Banking System

    Grant Turner; Nicholas Tan; Dena Sadeghian

    2012-01-01

    The Chinese banking system is critical to the functioning of the Chinese economy, being the main conduit through which savings are allocated to investment opportunities. Banking activity in China has grown rapidly over the past decade in association with the expansion of the Chinese economy, and the Chinese banking system now includes some of the world’s largest banks. Chinese banks have become more commercially orientated over this period, although the Chinese Government retains considerable...

  14. Shadow bank monitoring

    Adrian,Tobias; Adam B. Ashcraft; Cetorelli, Nicola

    2013-01-01

    We provide a framework for monitoring the shadow banking system. The shadow banking system consists of a web of specialized financial institutions that conduct credit, maturity, and liquidity transformation without direct, explicit access to public backstops. The lack of such access to sources of government liquidity and credit backstops makes shadow banks inherently fragile. Shadow banking activities are often intertwined with core regulated institutions such as bank holding companies, secur...

  15. Co-operative Banking Groups in Europe: Comparative Analysis of the Structure and Activity

    Ricardo J. Palomo Zurdo

    2008-01-01

    The aim of this paper is to show the situation of the main European co-operative banking groups (or systems) through the analysis of particular aspects of their structure and the activities and services they offer, in order to compare these groups with the Spanish case to check if the different ways of dealing with these aspects agree, and under what circumstances or how they are developed. This analysis is also intended to identify the decision-making and economic linking relations set up be...

  16. Regeneration in selected Cucurbita spp. germplasm

    Gisbert Domenech, Maria Carmen; Nuez Viñals, Fernando; Picó Sirvent, María Belén

    2011-01-01

    Gisbert Domenech, MC.; Nuez Viñals, F.; Picó Sirvent, MB. (2011). Regeneration in selected Cucurbita spp. germplasm. Report- Cucurbit Genetics Cooperative. 33-34:53-54. http://hdl.handle.net/10251/62926.

  17. Diversity in global maize germplasm: Characterization and utilization

    B M Prasanna

    2012-11-01

    Maize (Zea mays L.) is not only of worldwide importance as a food, feed and as a source of diverse industrially important products, but is also a model genetic organism with immense genetic diversity. Although it was first domesticated in Mexico, maize landraces are widely found across the continents. Several studies in Mexico and other countries highlighted the genetic variability in the maize germplasm. Applications of molecular markers, particularly in the last two decades, have led to new insights into the patterns of genetic diversity in maize globally, including landraces as well as wild relatives (especially teosintes) in Latin America, helping in tracking the migration routes of maize from the centers of origin, and understanding the fate of genetic diversity during maize domestication. The genome sequencing of B73 (a highly popular US Corn Belt inbred) and Palomero (a popcorn landrace in Mexico) in the recent years are important landmarks in maize research, with significant implications to our understanding of the maize genome organization and evolution. Next-generation sequencing and high-throughput genotyping platforms promise to further revolutionize our understanding of genetic diversity and for designing strategies to utilize the genomic information for maize improvement. However, the major limiting factor to exploit the genetic diversity in crops like maize is no longer genotyping, but high-throughput and precision phenotyping. There is an urgent need to establish a global phenotyping network for comprehensive and efficient characterization of maize germplasm for an array of target traits, particularly for biotic and abiotic stress tolerance and nutritional quality. ‘Seeds of Discovery’ (SeeD), a novel initiative by CIMMYT with financial support from the Mexican Government for generating international public goods, has initiated intensive exploration of phenotypic and molecular diversity of maize germplasm conserved in the CIMMYT Gene Bank; this

  18. Conservation of Allium germplasm collection by cryopreservation

    Zámečník, Jiří; Grospietsch, Martin; Kotková, Renata; Faltus, Miloš

    2012-01-01

    Allium is important crop in the Czech Republic. Allium sativum L. germplasm is maintained in the field collection and this fact increases risk of accidental lost of genotype. Conservation of Allium sativum L. germplasm by means cryopreservation decreases risks of genotype lost. Allium sativum L. samples are stored at ultralow temperature that stopped all biochemical processes and the samples are stored without any changes for many years. This methodology describes procedure of material prepar...

  19. Genetic diversity of pomegranate germplasm collection from Spain determined by fruit, seed, leaf and flower characteristics.

    Martinez-Nicolas, Juan J; Melgarejo, Pablo; Legua, Pilar; Garcia-Sanchez, Francisco; Hernández, Francisca

    2016-01-01

    Background. Miguel Hernandez University (Spain) created a germplasm bank of the varieties of pomegranate from different Southeastern Spain localities in order to preserve the crop's wide genetic diversity. Once this collection was established, the next step was to characterize the phenotype of these varieties to determine the phenotypic variability that existed among all the different pomegranate genotypes, and to understand the degree of polymorphism of the morphometric characteristics among varieties. Methods. Fifty-three pomegranate (Punica granatum L.) accessions were studied in order to determine their degree of polymorphism and to detect similarities in their genotypes. Thirty-one morphometric characteristics were measured in fruits, arils, seeds, leaves and flowers, as well as juice characteristics including content, pH, titratable acidity, total soluble solids and maturity index. ANOVA, principal component analysis, and cluster analysis showed that there was a considerable phenotypic diversity (and presumably genetic). Results. The cluster analysis produced a dendrogram with four main clusters. The dissimilarity level ranged from 1 to 25, indicating that there were varieties that were either very similar or very different from each other, with varieties from the same geographical areas being more closely related. Within each varietal group, different degrees of similarity were found, although there were no accessions that were identical. These results highlight the crop's great genetic diversity, which can be explained not only by their different geographical origins, but also to the fact that these are native plants that have not come from genetic improvement programs. The geographic origin could be, in the cases where no exchanges of plant material took place, a key criterion for cultivar clustering. Conclusions. As a result of the present study, we can conclude that among all the parameters analyzed, those related to fruit and seed size as well as the

  20. Identification of a Simple Sequence Repeat molecular-marker set for large-scale analyses of pear germplasm

    Gabriel Dequigiovanni

    2012-01-01

    Full Text Available Simple Sequence Repeats (SSR are molecular markers suitable to assess the genetic variation of germplasm resources; however, large-scale SSR use requires protocol optimization. The present work aimed to identify SSR markers, developed for pear and other fruit species that are effective in characterizing pear germplasm collections and in demonstrating their use in providing support for genetic breeding programs. From a total of 62 SSR markers investigated, 23 yielding reproducible and polymorphic patterns were used to genotype a sample of 42 pear accessions of the Brazilian Pear Germplasm Bank (PGB. When compared to these 23 SSR markers, a subset of eleven markers, selected based on He, PIC and PId, was used to distinguish individual accessions and perform cluster analysis with similar efficacy. Genetic diversity analysis clustered the European, Japanese and Chinese accessions in distinct groups. This markers subset constitutes a valuable tool for several applications related to pear genetic resources management and breeding.

  1. THE DEVELOPMENT OF THE ACTIVITY OF BANKS WITH FOREIGN CAPITAL IN CENTRAL AND EASTERN EUROPE

    RADULESCU MAGDALENA

    2014-05-01

    Full Text Available The privatization has as purpose to reestablish the functionality of a type of property under the public agreement. The privatization of banks brings both positive and beneficial aspects, but also some notions with a negative impact that influence the capital markets and banking system. Among the benefits we can include: the increase of the effectiveness and performance of the banking operations, the implementation of some effective structures that lead to the gradual integration of the banking system into the greatly developed economies, the improvement and perfecting of the bank services. In Romania, the privatization of banks started rather late and in some cases it turned up to be very difficult. Romanian banking system is dominated by the Austrian and Greek investors. The Romanian banking system is very concentrated, but the intermediation level is still lower than in other European or Eastern European countries.

  2. Organization Structure and Credibility: Evidence from Commercial Bank Securities Activities Before the Glass-Steagall Act

    Randall S. Kroszner; Raghuram G. Rajan

    1995-01-01

    This paper investigates how organizational structure can affect a firm's ability to compete. In particular, we examine the two ways in which U.S. commercial banks organized their investment banking operations before the 1933 Glass-Steagall Act forced the banks to leave the securities business: as an internal securities department within the bank and as a separately incorporated and capitalized securities affiliate. We document a strong movement toward the use of the affiliate structure during...

  3. The Germplasm Bank of Wild Species,Southwest China

    LI Dezhu; YANG Xiangyun; WANG Yuhua; CAI Jie

    2010-01-01

    @@ Green plants are the primary producers of ecosystems "on Earth.However,plant diversity is currently being lost at an unprecedented rate,perhaps as much as 100-to 1000-fold higher than during the recent geological past,resulting in an associated decrease in ecosystem services,such as the provision of food,fuel,biochemicais and fiber.To meet the demand of plant diversity conservation,the Global Strategy for Plant Conservation(2001-2010)was approved in Decision VI/9 of the Conference of the Parties to the Convention on Biological Diversity in 2002.Priorities have been set for threatened species and regions and for the development of protocols and models to enhance the conservation options for both crops and wild species;the remaining targets on plant diversity cover understanding,conservation,sustainable use,promotion of education and capacity-building for conservation action.

  4. Molecular and chemical characterization of vetiver, Chrysopogon zizanioides (L.) Roberty, germplasm.

    Celestino, R S; Zucchi, M I; Pinheiro, J B; Campos, J B; Pereira, A A; Bianchini, F G; Lima, R N; Arrigoni-Blank, M F; Alves, P B; Blank, A F

    2015-01-01

    Due to the economic interests in vetiver, Chrysopogon zizanioides (L.) Roberty, molecular and chemical studies are essential to generate information for its sustainable exploitation. The aim of this study was to undertake a molecular and chemical characterization of vetiver accessions of the active germplasm bank of the Universidade Federal de Sergipe. The molecular characteristics of the accessions were studied using amplified fragment length polymorphism markers, with a total of 14 primer combinations that generated 442 loci, allowing us to observe that these accessions have similar genomes. The vetiver accessions were divided into three distinct groups, where accession UFS-VET005 was the most differentiated and accession UFS-VET004 had the lowest essential oil content (0.70%). The content of the chemical constituents of the essential oils was observed to vary, with a predominance of khusimol, which ranged from 18.97 to 25.02%. It was possible to divide the vetiver accessions into two groups based on chemical composition, and these groups do not correlate with the molecular grouping. Therefore, it is necessary to perform molecular and chemical analyses to characterize vetiver accessions. PMID:26345879

  5. The OECD/NEA Data Bank, its computer program services and benchmarking activities

    The OECD/NEA Data Bank collects, tests and distributes computer programs and numerical data in the field of nuclear energy applications. This activity is coordinated with several similar centres in the United States (ESTSC, NNDC, RSIC) and outside the OECD area through an arrangement with the IAEA. This information is shared worldwide for the benefit of scientists and engineers working on the safe and economic use of nuclear energy. The OECD/NEA Nuclear Science Committee the supervising body of the Data Bank has conducted a series of international computer code benchmark exercises with the aim of verifying the correctness of codes, of building confidence in models used for predicting macroscopic behaviour of nuclear systems and to drive towards refinement of models where necessary. Exercises involving nuclear cross section predictions, in-core reactor physics issues, such as pin cells for different type of reactors, plutonium recycling, reconstruction of pin power within assemblies, core transients, reactor shielding and dosimetry, away from reactor issues such as criticality safety for transport and storage of spent fuel, shielding of radioactive material packages and other problems connected with the back end of the fuel cycle, are listed and the relevant references provided. (author)

  6. THE IMPLICATIONS OF MARKETING ACTIVITY IN RISK ANALYSIS, CORE ELEMENT OF LENDING POLICY TO COMMERCIAL BANKS

    Magda Florin-Mihai

    2013-04-01

    Full Text Available In the present financial context first affected by the lack of trust generated by the important bankruptcies in the USA and secondly by the global economic crisis, financial institutions are more than ever focused on applying market research, customer segmentation procedures and based upon them adapted credit strategies. The process is based on the fundaments of the marketing mix, much more carefully than before in order to maximize efficiency and market position or to consolidate, increase market share by taking advantage of opportunities or diminishing the effects of the present unfavorable economic climate. Analysis procedures based on differential risk models can be identified, the starting point being precisely the involvement of marketing by the market segmentation process and the concepts of “customer centricity” and “client relationship management”, specific credit policies being based upon them. The present paper intends to bring forth the client segmentation criteria practiced by top Romanian commercial banks, as the right segmentation process will reflect on the typology of financing over time. Furthermore, client segmentation tends to influence banking management in order to administer the risks arising from the credit activities, as it is in strict connection to the elements and processes involved in determining a correct rating of the applicants for funding.

  7. Agronomic Trait and Genetic Analysis of Latvian Flax Germplasm

    Runģis, Dainis; Ļubinskis, Linards; Stramkale, Veneranda

    2015-01-01

    There is a long history of flax cultivation in Latvia, and breeding programs were active until 1970’s, when flax breeding in Latvia was halted. Since 1992, the Agriculture Science Centre of Latgale (ASCL) has repatriated Latvian flax germplasm from various genebanks, as well as renewed limited breeding activities in flax. Currently, the ASCL holds a collection of 497 flax accessions, as well as 9865 accessions of various lines and hybrids developed at the LLZC since 1993. To assist in the cha...

  8. Caracterización química foliar de los árboles de aguacate criollo (Persea americana var. drymifolia en los bancos de germoplasma de Michoacán, México Foliar chemical caracterization of the creole avocado trees (Persea americana var. drymifolia in the germplasm banks from Michoacán, Mexico

    Cintia A. Rincón-Hernández

    2011-06-01

    Full Text Available Persea americana var. drymifolia (aguacate criollo mexicano se emplea como portainjerto en huertos de aguacate Hass y es fuente de genes de resistencia a plagas y patógenos para éste y otros cultivares. El aguacate criollo mexicano se está sustituyendo por cultivares comerciales o perdiendo por la destrucción de ecosistemas. Por eso, se estudiaron 250 árboles (52 accesiones de 14 estados de México; 247 de criollo mexicano y 3 híbridos de éste con P.shiedeana, P. americana var. americana y P. americana var. guatemalensis, plantados en los bancos de germoplasma en Michoacán. Se analizó la composición química mediante cromatografía de gases-masas. Hubo alta variabilidad química entre los árboles del banco de germoplasma con los 64 compuestos detectados. El análisis de cúmulos mostró 2 grandes grupos químicos con 100% disimilitud y 22 grupos a 10% de disimilitud. Los híbridos se agruparon de manera diferente a los árboles con características típicas de criollo y difieren en su altitud de origen. Corroboramos que los volátiles foliares sirven como marcadores para diferenciar los criollos típicos de sus híbridos y que mucha variación atribuida a la variedad criolla proviene de hibridaciones en zonas de contacto de esta variedad con otras variedades o especies de Persea.Persea americana var. drymifolia (mexican creole avocado is used as rootstock in Hass avocado orchards and it is a source of genes for resistance to pests and pathogens for this and other cultivars. The Mexican varieties are being replaced by commercial cultivars or lost by the destruction of ecosystems. Therefore, we studied 250 avocado trees of 52 accessions from 14 Mexican states; 247 mexican creole avocado and 3 hybrids of that tree with P. shiedeana, P. americana var. americana or P. americana var. guatemalensis, planted at germplasm banks, Michoacán. Foliar chemical composition was analyzed by GC-MS. High chemical variability among the trees was found

  9. Formation of the Project Team on Introduction of Financial Controlling into Banking Activity

    Chmutova Iryna M.

    2014-01-01

    Full Text Available The article identifies order and content of stages of formation of the project team of introduction of financial controlling into banking activity. It offers a procedure of identification of the qualitative team composition, which envisages selection of candidates with the use of rules of fuzzy logical conclusion for assessing three groups of competences: personal (initiative, communication ability, creative ability, purposefulness and responsibility; common managerial (ability to work in a team, ability to manage conflicts, ability to manage, strategic thinking ability, ability to plan team work and distribute rights and obligations and co-ordinate work; special managerial (ability to justify and make decisions under conditions of uncertainty and dynamism, analytical abilities, ability to master new directions and methods of work and use them, skills and ability to form justified recommendations, special knowledge – theoretical grounds and recommendations of modern science with respect to introduction of controlling.

  10. Banking on Corporate Social Responsibility

    Timothy Rice; Cyril Peter

    2015-01-01

    This exploratory study set out to understand the true value of Corporate Social Responsibility (CSR) in the banking sector. Businesses, including banks, actively participate in CSR but the question of value still persists. What does the bank receive in return for participating in CSR? Do banks get more customers as a result of their CSR programmes? Do banks have a better customer retention rate because of their CSR programme? Will customers change banks purely because they disagree with their...

  11. FRACTIONAL BANKING

    Maria Klimikova

    2010-01-01

    Understanding the reasons of the present financial problems lies In understanding the substance of fractional reserve banking. The substance of fractional banking is in lending more money than the bankers have. Banking of partial reserves is an alternative form which links deposit banking and credit banking. Fractional banking is causing many unfavorable economic impacts in the worldwide system, specifically an inflation.

  12. Islamic Banking

    BLÁHA, Jakub

    2014-01-01

    The aim of this bachelor thesis is to introduce the Islamic banking. Describing historical and religious background of Islam, the Islamic banking and Shari'ah law. Then presenting financing techniques used in the Islamic banking. Eventually describing and analysing the Islamic banking in Malaysia. Comparison between the Islamic banking and the conventional banking is given throughout the bachelor thesis.

  13. 12 CFR 7.4002 - National bank charges.

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false National bank charges. 7.4002 Section 7.4002 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Preemption § 7.4002 National bank charges. (a) Authority to impose charges and fees. A national bank may charge its customers non-interest...

  14. Parcelling activity of the National Bank for Agriculture in interwar Poland in the years 1924-1929

    Mirosław Kłusek

    2009-01-01

    Full Text Available Scientific literature related to the problem in focus is exceptionally poor. The only book publication concerns the National Bank for Agriculture in the twenty-year interwar period is book position of Marek Nowak’s authorship [Nowak 1988]. But, on account of its modest range, bank agrarian activity has been treated too generally. In this publication author’s opinion is that this activity needs deeper analysis. Parcelling is an economic process which took part in Poland and lasted from the moment of grant freehold. It ran with special intensification towards the end of XIX century and at the beginning of XX century. In inter-war period, on account of source of parcelled soil, parcellation was divided into private and governmental. Governmental parcellation, which related to public property, included lands by Regional District Councils and territories included by military settlement. However, lands allocated by the National Bank for Agriculture and by individual people made private parcellation. The beginning of the National Bank for Agriculture’s agrarian activity’ was enabled by Poland President’s directive from 1924. One of the main tasks put against NBA was support: parcellation and settlement, agricul-tural regulations by landed estates purchase for parcelling aims and giving long-term credits for land purchase. However, according to status, the National Bank for Agriculture was able to parcel out landed properties, both purchased for private property and entrusted to commission state. Tasks put against parcellation conducted by the National Bank for Ag-riculture were not carried out in a satisfactory way. The Bank’s activity did not contribute to shopping the process of farms fragmentation at serious level and process of agrarian overpopulation’s growth among fewer ownership. Similarly, it also was not an essential source of establishing new farms capable of competing with vast-land ownership.

  15. Bayesian analysis of the genetic structure of a Brazilian popcorn germplasm using data from simple sequence repeats (SSR)

    Javier Saavedra; Tereza Aparecida Silva; Freddy Mora; Carlos Alberto Scapim

    2013-01-01

    Several studies have confirmed that popcorn (Zea mays L. var. everta) has a narrow genetic basis, which affects the quality of breeding programs. In this study, we present a genetic characterization of 420 individuals representing 28 popcorn populations from Brazilian germplasm banks. All individuals were genotyped using 11 microsatellite markers from the Maize Genetics and Genomics Database. A Bayesian clustering approach via Monte Carlo Markov chains was performed to examine the genetic dif...

  16. 77 FR 70544 - Agency Information Collection Activities; Proposed Information Collection; Comment Request; Bank...

    2012-11-26

    ... Collection; Comment Request; Bank Secrecy Act/Money Laundering Risk Assessment AGENCY: Office of the... Secrecy Act/Money Laundering Risk Assessment,'' also known as the Money Laundering Risk (MLR) System... this document. Bank Secrecy Act/Money Laundering Risk Assessment (OMB Control Number...

  17. 12 CFR 211.4 - Permissible activities and investments of foreign branches of member banks.

    2010-01-01

    ... business of banking in the country where it transacts business: (1) Guarantees. Guarantee debts, or... the like necessary to the business of the branch; (ii) The total investments of a bank's branches in a country under this paragraph (a)(3) (exclusive of securities held as required by the law of that...

  18. Mobile banking: near future of banking

    Gentiana Gjino; Orkida Ilollari (Findiku)

    2014-01-01

    Banks are now being prepared to take advantage of another profit opportunity which is another product usable by all of us, the 'Mobile phone'. The interest over 'Mobile Banking' product is becoming increasingly intense. Applications and new technologies are spreading through European banks mobilized to embrace this profitable product. It is common knowledge that many users of mobile telephony are actively shifted from PC to mobile devices. It still remains to understand: to what extent this n...

  19. Construction of Transgenic Crop Germplasm Effective Function and Characteristic Analysis

    DING Guangzhou; WANG Xiaowei

    2008-01-01

    Germplasm effect reflects the quantitative relation between production ability of gennplasm elements and yield (quality) of a certain crop, which can be shown by mathematic function, namely, germplasm effect function. Germplasm effect of a crop variety is an aggregation of many effective factors, and is restrained by different effective factors;constant increase of any one effect of germplasm elements would lead to law of effect decline, therefore, possible modes of transgenic crops effect function were deduced according to the law of effect decline. The possible modes of single transgenic germplasm effect function and multi-transgenic germplasm effect regression equation were discussed, and the characteristics of germplasm effect regression equation were analyzed in this paper.

  20. Analyzing Factors Influencing Virtual Bank Acceptance as New Generation of e-Banking

    Ali Sanayei; Arash Shahin; Hamideh Salimian

    2014-01-01

    Abstract Electronic banking is one of the electronic commerce tools that has been accepted by the banking industry. Development of electronic banking activities based on information and communication technology has caused the emergence of another type of bank, which is called virtual bank that performs its products and services through electronic distribution channels without branch. Due to the differences between virtual bank and electronic banking and the importance of virtual bank activ...

  1. Differential marking, investigation and motor activity in presence of conspecific odours differing on their population of origin in bank voles

    Geraldine Verplancke

    2011-06-01

    Full Text Available Odours emitted by rodent species convey cues about their overall body conditions and provide valuable information intervening in many aspects of their social relationships such as territorial and mating activities. Although bank vole is one of the primary models for studying chemical communication in wild rodents, literature is scarce about its reactivity to odours of conspecifics from its population compared to those of conspecifics from a different population. Here we tested the effect of the population of origin on the behaviour of wild bank voles (Myodes glareolus through 30min tests in laboratory. We observed both males and females differential marking (i.e. by urine or glandular secretions, motor activity and investigation (i.e. sniffing events in presence of conspecific whole body odours coming from either the Same Population of Origin (SPO or from a Different Population of Origin (DPO. Our results showed that both male and female bank voles react differently to odours of conspecifics according to the population of origin of the latter. Both motor activity and marking were more important when voles were confronted to odours from DPO donors than SPO ones. These effects were independent of the sex of the subjects. Moreover, male subjects tended to investigate more odours from DPO conspecifics than odours from SPO ones. Causes underlying apparent between-populations differences in the bank voles' body odours are discussed.

  2. POST-LAUNCHING MONITORING ACTIVITIES FOR NEW TRANSACTIONAL BANKING PRODUCTS ADDRESSED TO SMES (CONSIDERATIONS

    Giuca Simona-Mihaela

    2014-07-01

    Full Text Available The current paper has the aim to provide guidelines for post-launching monitoring activities and steps related to new transactional banking products addressed to SMEs. While the pre-launching activities have the purpose of accurately defining the objectives, assumptions and estimations, the purpose of the post-launching plan is to identify: if the final objectives of a product launching have been met, on one hand, to analyze results in the sense of identifying an efficient action plan in order to overcome the lack of results (if case, but most important, to identify opportunities for optimizing the products and for communicating properly the value proposition. This paper also presents schemes for monitoring the results from a business case and for motivating the sales force, as an essential step in increasing the sales. Therefore, alternatives of incentive campaigns are presented, as sustainable campaigns with to purpose to achieve an expected success rate. As an additional support guideline for the sales force, some scenarios and post-sales actions are presented, together with an example of portfolio analysis considering potential per client. Considering the methods and details presented in the current paper, one can identify the importance and find out how to monitor the results after launching a new transactional product addressed to SMEs, can understand and design an incentive scheme and also define actions to be taken in order to increase revenues from a newly launched transactional product.

  3. L'attività internazionale delle banche italiane: una sintesi degli ultimi dieci anni (The International Activity of Italian Banks: A Synthesis of the Last Ten Years

    Riccardo De Bonis

    2012-04-01

    Full Text Available This paper examines the developments of the Italian banking system during the Nineties from two related points of view: net external position and degree of internationalisation, i.e. branches and subsidiaries abroad. These themes seem particularly interesting in the light of the widespread belief that the euro area will significantly increase banking competition and cross-border operations in coming years. We find two major forces driving banks' external net position: the growth in loans to domestic borrowers and the convergence in interest rate levels across European countries. The development of foreign branches and subsidiaries has been influenced by two counterbalancing forces; the big banking groups reduced their presence abroad while some medium-sized banks opened their first branches; the focus of foreign branches and subsidiaries has been on specific segments of banking activities, very often exploiting "localization" advantages. Despite the improvement in the Nineties, Italian banks have tended to show a relatively low degree of internationalisation compared with the main European banking system.              JEL Codes: G21, F23Keywords: Bank, Banking

  4. Public Germplasm Collections and Revolutions in Biotechnology

    Public germplasm collections provided the biological material critical for launching the three most important revolutions in modern biotechnology: (i) An isolate of Penicillium chrysogenum, NRRL 1951, the basis for industrial production of penicillan, originated from the ARS Culture Collection in Pe...

  5. REGISTRATION OF BIRDSFOOT TREFOIL GERMPLASM ARS-2622

    ARS-2622 broadleafed birdsfoot trefoil (Lotus corniculatus L.) germplasm was released by the USDA-ARS in cooperation with the Missouri Agricultural Experiment Station in August 2002. The merit of ARS-2622 is that it is a rhizome producing population with a broad genetic base. ARS-2622 was developed ...

  6. Variation for seed phytosterols in sunflower germplasm

    Sunflower (Helianthus annuus L.) seeds and oils are rich sources of phytosterols, which are important compounds for human nutrition. There is limited information on variability for seed phytosterols in sunflower germplasm. The objective of the present research was to evaluate kernel phytosterol cont...

  7. Online Banking on E-Commerce in India

    Navpreet Kaur; Dr. Ashutosh Pathak

    2015-01-01

    Online Banking is becoming an important aspect of worldwide commerce. Online Banking is also known as ebanking, cyber banking, virtual banking, net banking, and internet banking. Online banking includes various banking activities conducted from home business, instead of at a physical bank location Customer relationship management worked as a tool increased use of e-commerce makes CRM. Online banking is based on internet or web- based interaction to create a high volatile relations...

  8. Retail Banking

    Adam Szafarczyk

    2008-01-01

    The retail banking plays more and more important role in polish banking sector. There are several targets of this article. First of all is retail banking identification, both in Euroland and Poland. The next one – trends, especially household deposits and credits and last – retail banking in particular banks.

  9. Dynamics of supercapacitor bank with uncontrolled active balancer for engine starting

    Highlights: • Analytic performance of an open-loop operated supercapacitor balancer is revealed. • Natural balancing is shown to be always attained. • Excessive currents arise when the initial voltage misbalance is significant. - Abstract: In this paper, analytical investigation of an actively balanced open-loop operated supercapacitor bank is presented. Supercapacitor unit is utilized for 28 V auxiliary power unit diesel engine starting, allowing relieving the battery from multiple starting stresses. Dynamical equations of the system based on a synchronous bidirectional buck-boost converter are developed by splitting the solution into zero-input and zero-state responses. It is revealed that the system, which is typically nonlinear because of buck-boost converter presence, becomes linear when operated in open loop. Moreover, natural balancing is achieved when the converter is operated with 50% duty cycle. It is shown that balancing time is independent on initial conditions while system damping strongly depends on parasitic resistances especially in practical case of large capacitors and small inductance. Inductor current peak value and balancing time are obtained analytically and validated by simulations. It is revealed that while natural balancing is always achieved, excessive currents may arise when the initial voltage misbalance is significant. In addition, it is shown that one-switching-cycle averaged model is in close agreement with detailed switched model. The presented findings are fully supported by extended simulations

  10. 12 CFR 303.187 - Approval for an insured state branch of a foreign bank to conduct activities not permissible for...

    2010-01-01

    ... particular, including a copy of the feasibility study, management plan, financial projections, business plan.... (b) Divestiture or cessation—(1) Where To file. Divestiture plans necessitated by a change in law or... International Banking § 303.187 Approval for an insured state branch of a foreign bank to conduct activities...

  11. Internet Banking

    Felician ALECU

    2006-01-01

    Full Text Available Internet Banking (known also as online banking allows performing transactions and payments over the internet through a bank's secure website. This can be very useful, especially for banking outside bank hours (which tend to be very short and banking from anywhere where internet access is available. In most cases a web browser such as Internet Explorer or Mozilla Firefox is utilized and any normal internet connection is suitable. No special software or hardware is usually needed.

  12. Cost leadership and bank internationalization

    Galema, Rients; Koetter, Michael; Liesegang, Caroline

    2013-01-01

    We adapt a theoretical model from the goods trade literature to test whether banks with a comparative cost advantage are more likely to enter foreign markets by means of foreign direct investment. We combine detailed proprietary bank-level data on the international activities of all German banks with publicly available bank micro data from possible destination markets to show that the decision to go abroad is driven by relative cost differences. Banks enter markets where they are cost leaders...

  13. ANFIS Based Time Series Prediction Method of Bank Cash Flow Optimized by Adaptive Population Activity PSO Algorithm

    Jie-Sheng Wang; Chen-Xu Ning

    2015-01-01

    In order to improve the accuracy and real-time of all kinds of information in the cash business, and solve the problem which accuracy and stability is not high of the data linkage between cash inventory forecasting and cash management information in the commercial bank, a hybrid learning algorithm is proposed based on adaptive population activity particle swarm optimization (APAPSO) algorithm combined with the least squares method (LMS) to optimize the adaptive network-based fuzzy inference s...

  14. Varying Impacts of Electronic Banking on the Banking Industry

    Sali Bakare

    2015-08-01

    Full Text Available The banking industry has undergone tremendous changes with the introduction of information technology (IT. Electronic banking (EB is a new paradigm in banks’ product and service delivery. Electronic banking products and services have become increasingly popular in the past three decades as the banking industry operating in a complex and competitive environment has experienced the awareness to serve its customers electronically. Online banking has become the preferred way for many Americans to conduct financial activities. This paper explores a few published articles that reported on the impacts of electronic banking on the banking industry. The articles vary in their findings. Impacts on the banking industry from the points of view of consumers and bank employees were reported. This paper examines the study of few other articles to propose that more research be conducted utilizing a different research methodology such as qualitative method to fully understand how EB impacts the banking industry and address cyber crime threats.

  15. DESIGNING THE DEPOSITS MANAGEMENT MODEL IN FUNCTION OF BANKING ACTIVITIES OPTIMIZATION

    Ticijan Peruško

    2011-02-01

    Full Text Available The purpose of this paper is to improve the banks deposits’ management process that will ultimately result in the collection of deposits at lowest costs. In order to achieve the aforementioned purpose, the authors have derived model using statistical and mathematical methods. Statistical method of double logarithmic regression was applied in order to determine the relations between the costs and amount of funds collected from each deposit product, while in the process of deposit assortment optimization nonlinear programming was applied, as the correlation between costs and the amount of collected funds from the sale of deposits products is nonlinear what is shown in the selected regression model too. In order to present the usefulness and wide possibilities of its use, the deposits management model was employed on the example of one large bank that operates in the Croatian banking market. The model is applicable both to the retail sector and corporate sector deposits. Information derived from the model application help banks management in making appropriate decisions regarding planning and managing the sales of deposits and, along with other existing instruments, complements the database of banks management information system.

  16. The value of crop germplasm and value accounting system

    WANG Xiaowei; DING Guangzhou; CHANG Ying

    2007-01-01

    The value evaluation and accounting of crop germplasm not only provides the theory and method for the price of germplasm, thus makes further lawful and fair transactions, but also ensures the benefits of crop germplasm owners and is also instructive in keeping the foodstuff safety. This paper founded a multidimensional value accounting system, which included physical accounting, value accounting and quality index accounting; individual accounting and total accounting; quantity accounting and quality accounting.

  17. EVALUATION OF GENETIC DIVERGENCE IN BERSEEM (TRIFOLIUM ALEXANDRINUM L.) GERMPLASMS

    D. M. LANGADE; C. N. RAM; D. N. VISHWAKARMA; AMITA SHARMA

    2013-01-01

    Forty germplasms of berseem were assessed for the nature and magnitude of genetic divergence based on tendifferent traits of economic importance including green forage yield per plant following Mahalanobis’s D2statistics. The germplasms were grouped into seven clusters. The grouping showed one mono-genotypic cluster(Cluster II), while others comprised of two (Cluster IV), three (Cluster III), four (Cluster V), five (Cluster VII), nine(Cluster I) and sixteen germplasms (Cluster VI). The maximu...

  18. About Banking.

    Pieslak, Raymond F.

    The student manual for high school level special needs students was prepared to provide deaf students with the basic fundamentals of banking. Five units are presented covering the topics of banks and banking services, checking accounts, other services of banks, savings accounts, and other investments. Each lesson was carefully written for easy…

  19. Will the proposed application of Basel II in the United States encourage increased bank merger activity? evidence from past merger activity

    Timothy H. Hannan; Steven J. Pilloff

    2004-01-01

    This paper presents two tests of the hypothesis that adoption of the internal ratings-based approach to determining minimum capital requirements, as proposed in applying the Basel II capital accord in the United States, will cause adopting banking organizations to increase acquisition activity. The first test estimates the relationship between excess regulatory capital and subsequent merger activity, including organization and time fixed effects, while the second test employs a "difference in...

  20. Genetic diversity of a brazilian wine grape germplasm collection based on morphoagronomic traits

    Patrícia Coelho de S. Leão

    2010-12-01

    Full Text Available The objectives of this study were to evaluate the performance of cultivars, to quantify the variability and to estimate the genetic distances of 66 wine grape accessions in the Grape Germplasm Bank of the EMBRAPA Semi-Arid, in Juazeiro, BA, Brazil, through the characterization of discrete and continuous phenotypic variables. Multivariate statistics, such as, principal components, Tocher's optimization procedure, and the graphic of the distance, were efficient in grouping more similar genotypes, according to their phenotypic characteristics. There was no agreement in the formation of groups between continuous and discrete morpho-agronomic traits, when Tocher's optimization procedure was used. Discrete variables allowed the separation of Vitis vinifera and hybrids in different groups. Significant positive correlations were observed between weight, length and width of bunches, and a negative correlation between titratable acidity and TSS/TTA. The major part (84.12% of the total variation present in the original data was explained by the four principal components. The results revealed little variability between wine grape accessions in the Grape Germplasm Bank of Embrapa Semi-Arid.

  1. In vitro conservation of Dendrobium germplasm.

    Teixeira da Silva, Jaime A; Zeng, Songjun; Galdiano, Renato Fernandes; Dobránszki, Judit; Cardoso, Jean Carlos; Vendrame, Wagner A

    2014-09-01

    Dendrobium is a large genus in the family Orchidaceae that exhibits vast diversity in floral characteristics, which is of considerable importance to orchid breeders, biotechnologists and collectors. Native species have high value as a result of their medicinal properties, while their hybrids are important as ornamental commodities, either as cut flowers or potted plants and are thus veritable industrial crops. Thus, preservation of Dendrobium germplasm is valuable for species conservation, breeding programs and the floriculture industry. Cryopreservation represents the only safe, efficient and cost-effective long-term storage option to facilitate the conservation of genetic resources of plant species. This review highlights 16 years of literature related to the preservation of Dendrobium germplasm and comprises the most comprehensive assessment of thorough studies performed to date, which shows reliable and reproducible results. Air-drying, encapsulation-dehydration, encapsulation-vitrification, vitrification and droplet-vitrification are the current cryopreservation methodologies that have been used to cryopreserve Dendrobium germplasm. Mature seeds, pollen, protoplasts, shoot primordia, protocorms and somatic embryos or protocorm-like bodies (PLBs) have been cryopreserved with different levels of success. Encapsulation-vitrification and encapsulation-dehydration are the most used protocol, while PLBs represent the main explant explored. PMID:24845051

  2. Review of World Bank Support for Student Assessment Activities in Client Countries, 1998-2009

    Liberman, Julia; Clarke, Marguerite

    2012-01-01

    As more and more countries both developed and developing have become interested in collecting information on student learning, there has been a concomitant growth in the demand for strong student assessment systems. The World Bank is at the forefront of efforts to support developing countries in the strengthening of their student assessment systems. This paper provides a...

  3. Enhancing Sensitivity to Conflict Risks in World Bank-funded Activities : Lessons from the Kyrgyz Republic

    World Bank Group

    2014-01-01

    The Kyrgyz Republic is a landlocked mountainous country of 5.5 million and home to several ethnic groups. Nevertheless, economic stagnation, rising corruption, and inter-ethnic tensions have posed risks to the country's stability. Following the revolution and ethnic disturbances in 2010, the World Bank introduced a conflict filter for its Kyrgyz Republic operations in 2011 as a screening t...

  4. 12 CFR 5.35 - Bank service companies.

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Bank service companies. 5.35 Section 5.35 Banks... FOR CORPORATE ACTIVITIES Expansion of Activities § 5.35 Bank service companies. (a) Authority. 12 U.S... shall submit a notice and obtain prior OCC approval to invest in the equity of a bank service company...

  5. Innovative strategies of bank

    G.A Peresadko

    2012-03-01

    Full Text Available The article deals with the specifics of banking innovations, the global trends of innovative strategies in the banking sector was described, analyzed the necessary methodology for their implementation, proposed plan of innovative activities and its possible application in Ukraine.

  6. Tapping the US sweet sorghum collection to identify biofuel germplasm

    The narrow genetic base in sweet sorghum [Sorghum bicolor (L.) Moench] breeding programs is limiting the development of new varieties for biofuel production. Therefore, the identification of genetically diverse sweet sorghum germplasm in the U.S. National Plant Germplasm System (NPGS) collection is...

  7. Status of the USA cotton germplasm collection and crop vulnerability

    The National Plant Germplasm System (NPGS) is a cooperative effort among State, Federal and Private organizations aimed at preserving one of agriculture’s greatest assets, plant genetic diversity. The NPGS serves the scientific community by collecting, storing, and distributing germplasm as well as ...

  8. Organisational change and the introduction of activity based costing in a UK clearing bank

    Soin, Kim

    1996-01-01

    This research examines the nature of the organisational change that has taken place in the UK Clearing banks over the last fifteen years. It draws from and informs organisational change processes to help understand the effects of environmental disturbance, that is, the changes in the regulatory framework. The effect of environmental disturbance is assessed in terms of the levels and impacts of the changes on values (culture), organisational structures, management, accounting and control syste...

  9. DESIGNING THE DEPOSITS MANAGEMENT MODEL IN FUNCTION OF BANKING ACTIVITIES OPTIMIZATION

    Ticijan Peruško; Robert Zenzerović

    2011-01-01

    The purpose of this paper is to improve the banks deposits’ management process that will ultimately result in the collection of deposits at lowest costs. In order to achieve the aforementioned purpose, the authors have derived model using statistical and mathematical methods. Statistical method of double logarithmic regression was applied in order to determine the relations between the costs and amount of funds collected from each deposit product, while in the process of deposit assortment...

  10. GREEN BANKING IN INDIA

    S.G. KHAWASPATIL

    2013-01-01

    Full Text Available Sustainable enlargement can best be achieved by permitting markets to work within an appropriate framework of cost efficient regulations and economic instruments. One of the major economic agents influencing overall industrial activity and economic growth is the financial institutions such as banking sector. In a globalised economy, the industries and firms are vulnerable to stringent environmental policies, severe law suits or consumer boycotts. Since banking sector is one of the major stake holders in the Industrial sector, it can find itself faced with credit risk and liability risks. Further, environmental impact might affect the quality of assets and also rate of return of banks in the long-run. Thus the banks should go green and play a pro-active role to take environmental and ecological aspects as part of their lending principle, which would force industries to go for mandated investment for environmental management, use of appropriate technologies and management systems. This paper explores the importance of Green Banking, sites international experiences and highlights important lessons for sustainable banking and development in India. However, we find that there has not been much initiative in this regard by the banks and other financial institutions in India though they play an active role in India's emerging economy. Therefore, we suggest possible policy measures and initiative to promote green banking in India.

  11. The Effect of Banks Merger on Electronic Banking Services Competency

    Ahmad Z. Siam

    2009-01-01

    Problem statement: This study is conducted to present benefits and consequences of latest technology used in banking industries. In addition, it has focused on the dynamics of banking sector, electronic banking services and new courses especially with mergers that constitute most of these mechanisms. Approach: The study discussed this new activity and the extent of response level of services while the need, wants and demands of customers are met. Furthermore, how banks deal with such services...

  12. Shadow banking

    Pozsar, Zoltan; Adrian,Tobias; Ashcraft, Adam; Boesky, Hayley

    2010-01-01

    The rapid growth of the market-based financial system since the mid-1980s changed the nature of financial intermediation in the United States profoundly. Within the market-based financial system, "shadow banks" are particularly important institutions. Shadow banks are financial intermediaries that conduct maturity, credit, and liquidity transformation without access to central bank liquidity or public sector credit guarantees. Examples of shadow banks include finance companies, asset-backed c...

  13. Russia’s Modern Banking Law

    Dmitry V. Nefedov

    2014-01-01

    In this study, the author offers a very general review of banking legislation in Russia. The author discusses the main statutory acts which regulate banking activity and the Central Bank of the Russian Federation (Bank of Russia). The author describes the Bank of Russia’s functions. He concludes that, in modern market conditions, it is extremely important to develop civil regulation and reduce administrative regulation; however, he finds that, unfortunately, the Bank of Russia is still subjec...

  14. BANKING ETHICS: MAIN CONCEPTIONS AND PROBLEMS

    VALENTINA FETINIUC; IVAN LUCHIAN

    2014-01-01

    Banking ethics is a specialized set of ethical standards and rules that should be followed in the activities of financial institutions and employees of the banking sector. But despite the simplicity of the definition, in the modern world, this concept becomes complex and ambiguous. The importance of studying this subject is defined by the fact that the ethical behavior of the bank and bank employees promotes banking. At present there are several conceptions of banking ethics: general ethics, ...

  15. Lunar Gene Bank for Endangered Species

    Swain, Ramakrushna

    2016-07-01

    Introduction: Before the dawn of the 22nd century, we face the huge risk of losing our genetic heritage accumulated during aeons of evolution. The losses include hundreds of vertebrates, human gene pools, hundreds of thousands of plants and over a million insect species. As we have observed, adequate conservation of habitat is unfeasible and active breeding programs cover only a handful of the many thousand species threatened. We propose cryopreservation of germplasms by constructing a cDNA library based gene bank for endangered species in the permanently shadowed polar lunar craters that would provide immunity from both natural disadvantages and humanitarian intrusions. Rationale: Under such alarming circumstances, we turned to cryopreservation as an option but over thousands of years economic depression, sabotage, conflicts, warfare or even a brief disruption to the precise cryopreservation can hamper the storage of genetic samples.When we are considering conservation it is always preferable to go for a more secure and permanent solution. It was found out that the climatic and strategic location of the lunar polar craters are adequately hospitable, remote and free of maintenance and human observation as they provide naturally cryogenic temperature, reduced gravity and vacuum environment, non-reactive surface, safety from celestial intrusion and permanent shadow which doesn't allow the temperature to fluctuate thus providing most suitable storage facilities for the germplasms. PSRs provide steady temperature of 40- 60K and immunity to earthquakes due to low seismic activity. At these sites, burial in one meter or more of the regolith will provide protection against the solar wind, solar and galactic cosmic rays and micrometeorite impact. It provides the minimum necessary barrier from human intervention and at the same time enables easy retrieval for future usage. Genetic samples of endangered species can enable restoration even after its extinction. Preserved

  16. The Extent of Corporate Social Responsibility Engagement in Malaysian Banks Offering Islamic Banking Services

    Sujana A

    2015-08-01

    Full Text Available This study explores the extent of corporate social responsibility (CSR engagement in Malaysian banks offering Islamic banking services. A total of 16 banks (10 local banks and 6 foreign banks offering Islamic banking services forms the sample for this research study. Only banks offering Islamic banking services and listed on the Kuala Lumpur Stock Exchange were selected for the purpose of this research. Banks websites and annual reports were studied to gather and analyse the data through content analysis. Results obtained indicated that the local and the foreign banks differed significantly in terms of their engagement in CSR-based activities, CSR reporting, CSR communication and CSR board structure. Evidently Malaysian banks offering Islamic banking services need to focus on embedding relevant alternative strategies in order to publicise widely about their engagement in CSR-based activities. This would further enhance the banks brand reputation and strengthen their internal and external communication strategies.

  17. 12 CFR 7.1004 - Loans originating at other than banking offices.

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Loans originating at other than banking offices. 7.1004 Section 7.1004 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1004 Loans originating at other than banking offices. (a)...

  18. 12 CFR 7.1005 - Credit decisions at other than banking offices.

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Credit decisions at other than banking offices. 7.1005 Section 7.1005 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1005 Credit decisions at other than banking offices. A...

  19. 12 CFR 7.2019 - Loans secured by a bank's own shares.

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Loans secured by a bank's own shares. 7.2019 Section 7.2019 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Corporate Practices § 7.2019 Loans secured by a bank's own shares. (a) Permitted agreements, relating to bank shares. A...

  20. Banking Bank Charge Debates Continue

    WANG PEI

    2006-01-01

    @@ The saying, "There's no such thing as a free lunch" is one that can be applied to the charges increasingly being imposed on savers by Chinese banks.Ranging from managementfees for small deposit accounts to charges for withdrawals of large amounts of cash, from ATM cross-bank withdrawal charges to annual fees for bank payment cards, charges by banks are becoming a unstoppable trend. But it is not a trend the general public is so keen to accept.

  1. Is shadow banking really banking?

    Bryan J. Noeth; Rajdeep Sengupta

    2011-01-01

    To those who don't know, the term "shadow banking" probably has a negative connotation. This primer draws parallels between what has been termed the shadow banking sector and the traditional banking sector—showing that they are similar in many ways.

  2. Impact of independent directors and the regulatory environment on bank merger prices: evidence from takeover activity in the 1990s

    Elijah Brewer; Jackson, William E.; Julapa Jagtiani

    2000-01-01

    This article examines the primary motivation of the bank merger waves in the 1990s. Our investigation of the factors that determine bid premiums paid for target banks focuses on the importance of the financial characteristics of the targets, composition of their boards of directors, and the regulatory environment. ; The value of the target bank to the acquiring bank should reflect its present discounted value of future net cash flows. Thus, at a minimum, the bid price should be a combination ...

  3. A study on relationship between electronic banking and liquidity management on Iranian banks

    Hassan Ghodrati

    2014-06-01

    Full Text Available E-banking has been extensively developed in recent decades and most banks need to have such services in their daily activities. Therefore, it is necessary that banks do a better management on banks’ liquidity risks. Electronic banking and the expansion of its scale from POSs and ATMs to telephone banking, mobile banking and internet banking have increased banking transactions, significantly. The purpose of this investigation is to evaluate the relationship between the development of e-banking and liquidity management using liquidity ratios. The focus of this investigation has been on the amounts of transaction of ATM machines, POSs and PIN PADs as the most important means of electronic banking. In this respect, the data obtained from 14 private and public bank representatives of banking system over the period 2007-2012 are considered. Our survey indicates that the characteristics of electronic banking significantly influence on liquidity.

  4. Assessment of Platycodon grandiflorum germplasm resources from northern Anhui province based on ISSR analysis.

    Nie, Chuanpeng; Liu, Ruijiao; Li, Shangbo; Li, Yanyan

    2014-12-01

    Based on genetic diversity analysis with ISSR-PCR, this study was to access the germplasm resources of Platycodon grandiflorum in northern Anhui province. Ten primers that could produce more distinct and repeatable bands were used for ISSR-PCR. Statistic analysis was conducted by POPGENE v. 1.32, Arlequin3.l, NTSYS-pc version 2.1. (1) Seventy-four polymorphic bands (76.29 %) out of a total of 97 were generated from 105 individuals in five populations. (2) Shannon index of diversity ranged from 0.307 to 0.260, diversity at species level was 0.3581, which means superior genetic diversity. (3) Genetic diversity across all the populations revealed by AMOVA indicated that 86.02 % occurred within populations. (4) The Fst value was 0.1398, indicating a intermediate genetic differentiation among populations. (5) Dendrogram relationship illustrated genetic distance was correlated with geographic distance. ISSR markers can be used for studying genetic diversity of P. grandiflorum. Degradation of populations doesn't happen in northern Anhui province, bank of germplasm preservation should be established for cultivation of excellent variety of P. grandiflorum. PMID:25200435

  5. ANFIS Based Time Series Prediction Method of Bank Cash Flow Optimized by Adaptive Population Activity PSO Algorithm

    Jie-Sheng Wang

    2015-06-01

    Full Text Available In order to improve the accuracy and real-time of all kinds of information in the cash business, and solve the problem which accuracy and stability is not high of the data linkage between cash inventory forecasting and cash management information in the commercial bank, a hybrid learning algorithm is proposed based on adaptive population activity particle swarm optimization (APAPSO algorithm combined with the least squares method (LMS to optimize the adaptive network-based fuzzy inference system (ANFIS model parameters. Through the introduction of metric function of population diversity to ensure the diversity of population and adaptive changes in inertia weight and learning factors, the optimization ability of the particle swarm optimization (PSO algorithm is improved, which avoids the premature convergence problem of the PSO algorithm. The simulation comparison experiments are carried out with BP-LMS algorithm and standard PSO-LMS by adopting real commercial banks’ cash flow data to verify the effectiveness of the proposed time series prediction of bank cash flow based on improved PSO-ANFIS optimization method. Simulation results show that the optimization speed is faster and the prediction accuracy is higher.

  6. International Taxation and Cross-Border Banking

    Huizinga, H.P.; Voget, J.; Wagner, W.B.

    2011-01-01

    This paper examines empirically how international taxation affects the volume and pricing of cross-border banking activities for a sample of banks in 38 countries over the 1998-2008 - period. Home country corporate income taxation of foreign-source bank income is found to reduce banking-sector FDI.

  7. International taxation and cross-border banking

    Huizinga, H.P.; Voget, J.; Wagner, W.B.

    2014-01-01

    This paper examines empirically how international taxation affects the volume and pricing of cross-border banking activities for a sample of banks in 38 countries over the 1998�2008 period. International double taxation of foreign-source bank income is found to reduce banking-sector FDI. Furthermo

  8. Banks Sparkle

    2009-01-01

    There is no doubt that China’s banking system is a calm port in the global financial storm. Moreover, a great regulatory firewall and an easing monetary environment have enabled Chinese banks to increase lending and help shrug off the economic downturn. Yi Xianrong, a researcher at the Institute of Finance and Banking under the Chinese Academy of Social Sciences, discussed this topic in a recent article in the Shanghai Securities Journal. Edited excerpts follow:

  9. Shadow banking

    Rahm, Jiří

    2013-01-01

    In my bachelor paper I focus on the issue of shadow banking. The paper is theoretically oriented. Its main goal is to provide overview on the shadow banking system. The text is divided into four parts. The first part includes the definition of shadow banking and the description of its characteristics. The credit intermediation in shadow banking and the process of securitization is explained in the second part. The third part is aimed at mapping of situation in the area of implementation of re...

  10. Screening of soybean germplasm for resistance against colletotrichum truncatum infection

    One hundred and five soybean germplasms of exotic and national origin were evaluated for their reaction to anthracnose under field condition in Bangladesh. In the field 36 materials were found to be free from infection of C. truncatum (highly resistant) while 19, 37, 3, 5 and 5 germplasms were graded as resistant, moderately resistant, moderately susceptible, susceptible and highly susceptible, respectively. Percentage of seed-borne infection by colletotrichum truncatum varied from one germplasm to another. In total 43 germplasms were completely free from seed-borne infection, whereas up to 5% infection was recorded in 25 samples, 6-30% in 32 samples and 31-36% infection was found in five samples. (author)

  11. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    IMOLA DRIGĂ

    2014-01-01

    In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspect...

  12. BANKING ETHICS: MAIN CONCEPTIONS AND PROBLEMS

    VALENTINA FETINIUC

    2014-10-01

    Full Text Available Banking ethics is a specialized set of ethical standards and rules that should be followed in the activities of financial institutions and employees of the banking sector. But despite the simplicity of the definition, in the modern world, this concept becomes complex and ambiguous. The importance of studying this subject is defined by the fact that the ethical behavior of the bank and bank employees promotes banking. At present there are several conceptions of banking ethics: general ethics, regulated ethics and ethical bank. The most common practice is to regulate internal and external relations of banks and bank workers with ethical codes. At the same time, studies show the existence of problems in the banking standards of ethics, which negatively affects the financial institution. This article is intended to reflect main tendencies and problems of banking ethics at international level and experience of Republic of Moldova in this field.

  13. Collection,Evaluation,and Utilization of Cotton Germplasm in China

    DU Xiong-ming; ZHOU Zhong-li; SUN Jun-Ling; PAN Zhao-e; JIA Yin-hua

    2008-01-01

    @@ A total of 8193 accessions,including 6822 Gossypium hirsutum,350 G.hirsutum race (sub-spe-cies),385 of G.barbadense,378 of G.arboreum,17 of G.herbaceum and 41 wild species,of cotton germplasm are now maintained in China.This germplasm is kept in Beijing National Long-term Genebank and Anyang Cotton Medium-term Genebank.Live plants of the wild species are kept in Cotton garden at Hainan Island.

  14. Evaluation of Popcorn Germplasm for Resistance to Sesamia nonagrioides Attack

    Revilla Temiño, Pedro; Butrón Gómez, Ana María; Sandoya Miranda, Germán; Malvar Pintos, Rosa Ana; Ordás Pérez, Amando

    2005-01-01

    Popcorn adapted to Spanish conditions could be an interesting and profitable alternative to field corn. However, little is known about breeding popcorn germplasm for adaptation to Spain. Sesamia nonagrioides Lefèvbre is the main insect pest affecting popcorn quality and yield under Spanish growing conditions. The objectives of the study were the search for sources of resistance to S. nonagrioides among popcorn germplasm and to study the genetics of the resistance to S. nonagrioides attack. Ei...

  15. Genetic diversity of Cuban pineapple germplasm assessed by AFLP Markers

    Ermis Yanes Paz; Katia Gil; Laureano Rebolledo; Andrés Rebolledo; Daniel Uriza; Octavio Martínez; Miriam Isidrón; Leyanes Díaz; José Carlos Lorenzo; June Simpson

    2012-01-01

    The Cuban pineapple germplasm collection represents the genetic diversity of pineapple cultivated in that country and includes other important genotypes obtained from the germplasm collections in Brazil and Martinique. The collection has previously been characterized with morphological descriptors but a molecular characterization has been lacking. With this aim, 56 six genotypes of A. comosus and one of Bromelia pinguin were analyzed with a total of 191 AFLP markers. A dendrogram that represe...

  16. Methods for acquisition, storage, and evaluation of leguminous tree germplasm

    Felker, P.

    1980-01-01

    Simple methods for establishing, maintaining, and planting of a small scale tree legume (Prosopis) germplasm collection by one or two people are described. Suggestions are included for: developing an understanding of the worldwide distribution of genus; becoming acquainted with basic and applied scientists working on the taxa; devising seed cleaning, fumigation, cataloging, and storage techniques; requesting seed from international seed collections; collecting seed from native populations; and for field designs for planting the germplasm collection.

  17. Central fuel banking to reduce the number of proliferation sensitive enrichment activities

    Central fuel banking is a complex international political, economic and technical concept that aims to reduce uncontrolled spreading of uranium enrichment technology in the world in order to prevent proliferation of nuclear weapons. This paper first gives an outline of the notions: 'non-proliferation', the 'front-end' of the fuel cycle, the scope of fuel baking, nuclear fuel and the 60 years of enrichment technology. Enrichment technology is highly concentrated in the nuclear weapon states and other developed countries, but this is not exclusive any more. The technology is spreading. The global demand for enrichment services - parallel to massive nuclear investments in the civil sector and the ageing of older facilities - is constantly growing. Proliferation sensitivity calls for an effective and comprehensive non-proliferation regime. The solution may be multilateralizing the nuclear fuel cycle. After a historical overview, the proposals on multilateral nuclear approaches are presented. The assessment of the proposals is complex in the dimensions of: the non-proliferation aim, the assurance of supply aspect and other variables such as legal issues and non-nuclear inducements. A general evaluation and the recommendations of the Expert Panel of the IAEA are introduced outlining a plan on a middle- and long-term basis. The conclusion of the paper stresses the importance and challenge in finding the 'new balance' between obligations and interests of the members of the global community stating that the answers will have a significant impact on the nuclear indus- try, world wide economics and security policy. (orig.)

  18. Bank Share Prices and Profitability

    Daniel Daugaard; Tom Valentine

    1993-01-01

    This paper considers the influence of economic conditions and financial markets on Australian bank share prices and profitability. It uses time series analysis to obtain an indication of the effectiveness of banks in managing their exposure to interest rates and exchange rates. The results give rise to some comments on the extent to which banks actively manage their exposure to financial and economic variables. The discussion of risk management activities necessarily raises the question of ho...

  19. Assessment of Competition in the Banking Sector of Lithuania

    Sandra Rimavičiūtė

    2014-04-01

    Full Text Available Competition in the banking sector is different from the competition in the other sectors. Banks can compete only onthe basis of banking products. Also, banks are dependent on each other – actions of every market participant may strongly affectthe others. Problems of one bank may encourage distrust of the entire banking system. Analysis of Lithuanian banking sectorhas showed that country’s banking sector can be divided into three groups – the biggest banks, smaller and medium-sized banksand foreign banks branches. The largest part of banking sector is concentrated in activity of the three banks. All these banksare owned by Scandinavian capital. Lithuanian banking sector is highly concentrated. In 2005–2012 years the average mean ofthree banks concentration index (CR3 in deposits, assets and loans markets was 68 percent. According to these high values ofconcentration rates, Lithuanian banking sector can be characterized as oligopoly.

  20. OECD/NEA Data Bank and nuclear science activities in support of knowledge preservation and transfer for innovation

    Full text: The OECD/Nuclear Energy Agency Data Bank was established as an institution for the collection, verification, validation, and dissemination of the basic tools used today for nuclear energy system design and simulation under different operating conditions. These tools comprise standardized databases with microscopic nuclear and chemical thermodynamic data, computer programs covering a wide range of applications, as well as information and data from integral experiments on fissile material systems, on reactor and radiation shielding mock-ups and on in-core fuel behaviour. They are continuously improved through user experience and feedback. The OECD/NEA Nuclear Science Committee (NSC) has identified the importance to establish international experiments databases, and is working in close collaboration with the Data Bank concerning the compilation, verification and dissemination of the compiled data. The main objective of this data preservation activity is to minimise the risk of losing highly valued knowledge developed in member countries, and to prevent additional costs to future generations should they reopen the issue of the development of similar nuclear systems. By fostering the current work, the Data Bank will become a center providing its members countries with a solid reference on which to base their future work. The collected information is preserved in an agreed standard format in computer accessible form. for use in the validation of current and new calculational schemes, for assessing uncertainties, confidence bounds and safety margins, and to record measurement methods and techniques. Training courses and workshops are mechanisms used for transferring the Data Bank's accumulated knowledge through world-wide participation of experts. The databases established so far cover the following areas: EXFOR and CINDA (experimental neutron-and charged particle induced reaction data and their bibliographic index with over 123,000 experiments from 70 years of

  1. BANK GUARANTEES

    VASILE NEMES

    2012-05-01

    Full Text Available The present study propose the analyse of the irrevocable commitment of a bank entity towards a determined person, through which guarantees a certain legal conduct of its client, and, in case of breach, assumes the payment obligation of a determined amount of money. This kind of legal technique it is called bank guarantee and in the usual business language it is called “Letter of Bank Guarantee”. The determined reason to choose this scientific initiative it is the frequency of this kind of financial - banking commitments with various practical issues which are occurred by the use of those. From the legal point of view, the bank guarantees are not under an own legal regulation and are based on the common law, used in the guarantees domain. Through the new aspects of the actual Civil Code it are the legal regulation of the letter of bank guarantee and of the comfort letter, which shall constitute the main regulation in the negotiation and conclusion of a letter of bank guarantee or a bank comfort letter. For the legal reports with foreign elements, the parties can also use the Uniform Rules regarding the Guarantees at Request (URGR Publish no.758/2010.

  2. Field activity cost estimates for the first 3 years of the World Bank Loan Project for schistosomiasis control in China.

    Guo, J; Booth, M; Jenkins, J; Wang, H; Tanner, M

    1998-12-01

    The World Bank Loan Project for schistosomiasis in China commenced field activities in 1992. In this paper, we describe disease control strategies for levels of different endemicity, and estimate unit costs and total expenditure of screening, treatment (cattle and humans) and snail control for 8 provinces where Schistosoma japonicum infection is endemic. Overall, we estimate that more than 21 million US dollars were spent on field activities during the first three years of the project. Mollusciciding (43% of the total expenditure) and screening (28% of the total) are estimated to have the most expensive field activities. However, despite the expense of screening, a simple model predicts that selective chemotherapy could have been cheaper than mass chemotherapy in areas where infection prevalence was higher than 15%, which was the threshold for mass chemotherapy intervention. It is concluded that considerable cost savings could be made in the future by narrowing the scope of snail control activities, redefining the threshold infection prevalence for mass chemotherapy, defining smaller administrative units, and developing rapid assessment tools. PMID:10772550

  3. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    IMOLA DRIGĂ

    2014-12-01

    Full Text Available In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspects globally as well as in the Romanian banking system. Even if there already are several studies on web banking, this topic still remains a resourceful area for academic research in the next decade.

  4. Individual and Contextual Factors Influencing Engagement in Learning Activities after Errors at Work: A Replication Study in a German Retail Bank

    Leicher, Veronika; Mulder, Regina H.

    2016-01-01

    Purpose: The purpose of this replication study is to identify relevant individual and contextual factors influencing learning from errors at work and to determine if the predictors for learning activities are the same for the domains of nursing and retail banking. Design/methodology/approach: A cross-sectional replication study was carried out in…

  5. RRS James Cook Cruise 60, 09 May-12 Jun 2011. Benthic habitats and the impact of human activities in Rockall Trough, on Rockall Bank and in Hatton Basin.

    Huvenne, V.A.I.; et al, .

    2011-01-01

    The main aim of cruise JC060 was to carry out habitat mapping work in selected areas of the Rockall Trough, Rockall Bank and Hatton Basin in order to assess the status of different benthic habitats in relation to human activities, especially deep-sea bottom trawling. The cruise included a revisit of the Darwin Mound cold-water coral reefs, discovered in 1998 and protected in 2003, and an assessment of the status of two fisheries closure areas on Rockall Bank. In addition, two pilot studies of...

  6. Introduction and Utilization of INGER Rice Germplasm in China

    TANG Sheng-xiang; WEI Xing-hua; E L Javier

    2004-01-01

    The International Network for Genetic Evaluation of Rice (INGER) is a global partnership between international and national agricultural research institutions. INGER focuses on worldwide exchange, evaluation and utilization of improved varieties and elite breeding lines of rice. China has actively participated in the activities of INGER since 1980.During the pasted years, 26 500 INGER entries with diversity genetic background have been introduced and evaluated by Chinese scientists. Among of them, 37 commercial varieties directly from elite INGER entries and 27 rice hybrids using INGER lines as their restorer lines/donors have been released to farmers in China. About 1 900 INGER entries were indirectly utilized as cross parents or pest resistant donors in various national and provincial rice breeding programs. Based on the incomplete statistics, there were 14.5million cumulated hectares planting these varieties and hybrids, from which 5.44 MT of increased rough rice has been received by farmers. INGER accelerates the transfer of adapted varieties and hybrids to farmers, and increases the diversity of rice germplasm in cultivation. Therefore, INGER cooperation has made great benefit both in economy and society in China.

  7. Introduction and Utilization of INGER Rice Germplasm in China

    TANGSheng-xiang; WEIXing-hua; ELJavier

    2004-01-01

    The International Network for Genetic Evaluation of Rice (INGER) is a global partnership between international and national agricultural research institutions. INGER focuses on worldwide exchange, evaluation and utilization of improved varieties and elite breeding lines of rice. China has actively participated in the activities of INGER since 1980.During the pasted years, 26 500 INGER entries with diversity genetic background have been introduced and evaluated by Chinese scientists. Among of them, 37 commercial varieties directly from elite INGER entries and 27 rice hybrids using INGER lines as their restorer lines/donors have been released to farmers in China. About 1 900 INGER entries were indirectly utilized as cross parents or pest resistant donors in various national and provincial rice breeding programs. Based on the incomplete statistics, there were 14.5 million cumulated hectares planting these varieties and hybrids, from which 5.44 MT of increased rough rice has been received by farmers. INGER accelerates the transfer of adapted varieties and hybrids to farmers, and increases the diversity of rice germplasm in cultivation. Therefore, INGER cooperation has made great benefit both in economy and society in China.

  8. INTERNATIONAL LABOR MIGRATION AND FOREIGN BANK PENETRATION IN DEVELOPING ECONOMIES

    RONG MA; SUSAN POZO

    2012-01-01

    This paper examines the impact of international labor migration on foreign bank presence in 30 Asian and Latin American countries. While it is well established that social and economic characteristics of the host economy influence entry by foreign banks, we test whether social and economic linkages between bank-host and bank-origin economies influence foreign bank activity. In particular, we consider whether international migration from bank-host to the bank-origin countries affects foreign b...

  9. BANK GUARANTEES

    VASILE NEMES

    2012-01-01

    The present study propose the analyse of the irrevocable commitment of a bank entity towards a determined person, through which guarantees a certain legal conduct of its client, and, in case of breach, assumes the payment obligation of a determined amount of money. This kind of legal technique it is called bank guarantee and in the usual business language it is called “Letter of Bank Guarantee”. The determined reason to choose this scientific initiative it is the frequency of this kind of fin...

  10. FINANCIAL RISKS ANALYSIS FOR A COMMERCIAL BANK IN THE ROMANIAN BANKING SYSTEM

    Imola Driga

    2012-01-01

    The main goal of every bank is managing the risks arising from bankingtransactions in order to have a profitable activity. Bank managers must identify and manageall risks associated with each business they enter into, since exposure to significant risksreduces the present value of expected future cash flow. The main financial risks associatedwith the activities of a bank arise as a result of the bank's operations in the financial sector.Financial risks a bank is confronted consist of credit r...

  11. Core Collection Based Backcrossing: An Efficient Approach for Breeding,Germplasm Enhacement and Gene Discovery

    J.Z. Jia; R.H. Zhou; X.Y. Zhang; L. Zhang; Y.L. Li; J. Wang; X.Z. Liu; L.F. Gao; S.B. Liu

    2007-01-01

    @@ Plant germplasm underpins much of crop development. Millions of germplasm accessions have been collected and conserved ex situ, and the major challenge is now how to exploit and utilize this abundant resource.

  12. Analysis Of The Relevance Of Non-Traditional Activities Items Upon The Efficiency Of Chinese Banks: A Non-Stochastic Frontier DEA Approach

    Fadzlan SUFIAN

    2009-11-01

    Full Text Available Studies on the performance of the China banking sector have concentrated on analyzing the impact of ownership since reforms. However, little is known about the impact of change in behavior of the State Owned and Joint Stock Commercial Banks towards non-traditional activities on their performance. The present study employs the non-parametric Data Envelopment Analysis (DEA method to examine the impact of non¬traditional activities on the technical, pure technical, and scale efficiency of the China banking sector during the period 2000-2005. Additionally, a battery of parametric and non-parametric univariate tests are employed to examine the difference in the efficiency levels of the China banking sector under the traditional and alternative DEA models. The empirical findings suggest that the State Owned Commercial Banks’ technical efficiency enhances with the inclusion of non-traditional activities attributed to improvement in scale efficiency, while the Joint Stock Commercial Banks’ technical efficiency is higher attributed to improvement in pure technical efficiency.

  13. QSAR DataBank repository: open and linked qualitative and quantitative structure–activity relationship models

    Ruusmann, V; Sild, S; Maran, U

    2015-01-01

    Background Structure–activity relationship models have been used to gain insight into chemical and physical processes in biomedicine, toxicology, biotechnology, etc. for almost a century. They have been recognized as valuable tools in decision support workflows for qualitative and quantitative predictions. The main obstacle preventing broader adoption of quantitative structure–activity relationships [(Q)SARs] is that published models are still relatively difficult to discover, retrieve and re...

  14. Banking on Corporate Social Responsibility

    Timothy Rice

    2015-10-01

    Full Text Available This exploratory study set out to understand the true value of Corporate Social Responsibility (CSR in the banking sector. Businesses, including banks, actively participate in CSR but the question of value still persists. What does the bank receive in return for participating in CSR? Do banks get more customers as a result of their CSR programmes? Do banks have a better customer retention rate because of their CSR programme? Will customers change banks purely because they disagree with their banks CSR programme? These were some of the issues addressed but due to the small sample size, the findings cannot be generalised. The study did not find any significant, positive nor negative relationship, between CSR and the bank customers; meaning the tests could not provide evidence that for instance CSR programmes should be targeted towards female customers or customers of a certain age or income bracket. More importantly 80% of the respondents did not consider CSR an issue that was important enough to affect their choice of banks. They will not switch banks purely based on a bank’s CSR programme. Understandably they were more interested in bank fees and interest rates. These issues directly affected their reason for choosing a particular bank. So the question of why banks, and presumably other businesses, still participate and spend a lot of money on CSR when their customers do not seem to place much value on it, still persists. The findings suggest that a much larger study on the topic is warranted. It will aid banks and other businesses decide on their role in corporate social responsibility. Whose needs are being satisfied by participating in CSR?

  15. A market based active/reactive dispatch including transformer taps and reactor and capacitor banks using Simulated Annealing

    This paper describes an optimization model to be used by System Operators in order to validate the economic schedules obtained by Market Operators together with the injections from Bilateral Contracts. These studies will be performed off-line in the day before operation and the developed model is based on adjustment bids submitted by generators and loads and it is used by System Operators if that is necessary to enforce technical or security constraints. This model corresponds to an enhancement of an approach described in a previous paper and it now includes discrete components as transformer taps and reactor and capacitor banks. The resulting mixed integer formulation is solved using Simulated Annealing, a well known metaheuristic specially suited for combinatorial problems. Once the Simulated Annealing converges and the values of the discrete variables are fixed, the resulting non-linear continuous problem is solved using Sequential Linear Programming to get the final solution. The developed model corresponds to an AC version, it includes constraints related with the capability diagram of synchronous generators and variables allowing the computation of the active power required to balance active losses. Finally, the paper includes a Case Study based on the IEEE 118 bus system to illustrate the results that it is possible to obtain and their interest. (author)

  16. Screening Prosopis (mesquite) germplasm for biomass production and nitrogen fixation

    Felker, P.; Cannell, G.H.; Clark, P.R.; Osborn, J.F.

    1980-01-01

    The nitrogen-fixing trees of the genus Prosopis (mesquite or algaroba) are well adapted to the semi-arid and often saline regions of the world. These trees may produce firewood or pods for livestock food, they may stabilize sand dunes and they may enrich the soil by production of leaf litter supported by nitrogen fixation. A collection of nearly 500 Prosopis accessions representing North and South American and African germplasm has been established. Seventy of these accessions representing 14 taxa are being grown under field conditions where a 30-fold range in biomass productivity among accessions has been estimated. In a greehouse experiment, 13 Prosopis taxa grew on nitrogen-free medium nodulated, and had a 10-fold difference in nitrogen fixation (acetylene reduction). When Prosopis is propagated by seed the resulting trees are extremely variable in growth rate and presence or absence of thorns. Propagation of 6 Prosopis taxa by stem cuttings has been achieved with low success (1 to 10%) in field-grown plants and with higher success (50 to 100%) with young actively growing greenhouse plants.

  17. Advances in the preservation of insect germplasm

    The current means of preserving insects that are freezing intolerant or have no dormancy capabilities for use in the laboratory or in management programmes is by continuous culture. Not only can continuous culture be a costly venture, but it can effect genetic drift and is subject to accidental loss of colonies, genetic strains and transformants. Further, the ability to be able to stockpile insects for later use in sterile insect technique and biocontrol programmes would be of tremendous benefit. Since preservation of mammalian embryos by low temperature technology has become a common procedure, researchers, insectary managers and those involved in control programmes have been looking to cryobiologists for assistance in solving the insect germplasm storage problem. The paper examines the concepts of the conventional methodology that is used for cryopreservation of cells and mammalian embryos. Also pointed out are several inherent barriers posed by embryos of insects such as muscoid flies which are incompatible with the use of the conventional techniques. Of the obstacles thus far identified, chilling intolerance and egg membrane impermeability have been given the most attention by researchers attempting to develop low temperature storage methods. Limited but promising success has been obtained using chemical dissolution of membrane waxes, infusion of embryos with multimoral cryoprotectants and avoidance of chilling injury by ultrarapid cooling and warming. The feasibility of incorporating techniques which facilitate natural insect cold hardiness into a cryopreservation protocol and alternatives to preservation of embryos are discussed. (author). 53 refs, 4 figs, 1 tab

  18. Banking Sector of Ukraine: Realities, Tendencies, Prospects

    Doroshenko Hanna O.

    2014-01-01

    Full Text Available The article analyses the modern state of the banking sector of Ukraine, its sources and prospects. It identifies that the main obstacle for stable development is dissociation of banking segments, absence of functional unity and orientation at formation of optimal conditions for satisfaction of financial requirements of the domestic economy. In order to create the efficient banking system it is necessary to introduce new banking supervision standards oriented at specialisation of the banking activity. The banking market should be segmented and both major banks that form the nucleus of the segment and minor ones operating in their niches should co-operate within each segment. Universal banks that have a developed branch network should unite specialised segments. Moreover, it is necessary to introduce changes into the mechanism of application of some instruments of money and loan regulation with respect to specialised banks and introduce some restrictions upon spheres of activity of the foreign capital.

  19. BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

    Dumitru-Cristian OANEA

    2014-04-01

    Full Text Available Commercial banks and co-operative banks are credit institutions, but there are some differences between the main operations proceeded by each of them. Based on these specific characteristics, we want to identify the manner in which financial crisis affected their activity. As we all know, the financial crisis had a major impact in the United States, the “natal” country of the crisis, because great banks such as Lehman Brothers or Merrill Lynch have bankrupted. Even if the Romanian banking system was not affected by such catastrophic situations, surely the financial crisis had a significant impact on it. This topic is worth to be analysed, because we would be able to identify the risk differences between these two types of business: commercial banks versus co-operative banks.

  20. MANAGING BANK SERVICES QUALITY

    Marijana Mandić

    2011-01-01

    Full Text Available Quality has become the basicfactor of economic efficiency and the basicprinciple of business activities of successfulorganizations. Its consequence is revolution in thearea of quality that has comprised all kinds ofproducts and services including the bank servicesas well. To understand the present and future needsof clients and to know how to fulfill and try toexceed their expectations is the task of everyefficient economy. Therefore, the banks in thedeveloped economies try to re-orientateorganizationally, technologically andinformatically their business activities placing theclient in the core of this business activity.Significant indicators of quality services that banksoffer are measured by the time clients wait for theprovision of the desired service and the number ofclients who give up to enter the bank due to thelong waiting for provision of the desired serviceand the number of clients who give up to enter thebank due to the long waiting queues. Dissatisfiedclient is the worst result of the bank's work andactivity. The great effort is made to improve thequality of services, which means professionalismand communication of personnel with whom theclients come in contact, giving punctual and clearinformation and short waiting period of standing inthe queues. The aim of this paper is to present anddescribe the functioning of the bank system underthe conditions of establishing quality in provision ofservices to clients and to recognize basic guidelinesfor improvement of quality in the work of thebanking sector.

  1. E-Banking in Malaysia: Opportunity and Challenges

    Chai Lee Goi

    2005-01-01

    E-banking has to be a delivery channel that replicates and replaces many of the physical functions a bank currently performs. Hence, the E-banking now becomes a virtual banking counter that the individual and corporate customer to carry out the regular activities. Even E-banking services more to electronic-based, but, it still strongly support banking activities, therefore communication, transaction and distribution (Peterson, Balasubramanian and Bronnenberg, 1997). There are number of challe...

  2. 12 CFR 5.37 - Investment in bank premises.

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Investment in bank premises. 5.37 Section 5.37 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY RULES, POLICIES, AND PROCEDURES FOR CORPORATE ACTIVITIES Expansion of Activities § 5.37 Investment in bank premises. (a) Authority. 12 U.S.C. 29, 93a, and 371d. (b) Scope....

  3. Genetic variation for seed protein in barley germplasm

    Barley accessions collected from three regions of Pakistan were evaluated for seed protein (%) for two seasons. A wide range of variation (9 to 21%) was found in the germplasm studied during both seasons. Maximum accessions exhibited protein 12.1 - 16.0% protein whereas few accessions produced more than 18.0% protein. Correlation between two seasons' data was highly significant indicating the influence of genetic component. Germplasm were classified on the basis of regions. Accessions from Northern areas possessed average higher protein percentage followed by NWFP, Baluchistan and check varieties. Classification on the basis of altitude showed that the accessions collected from 200-800 masl had low protein while those collected from 2601-3000 masl had high protein. This study provides information on important protein sources of germplasm. (author)

  4. Optical identification of radio-loud active galactic nuclei in the ROSAT-Green-Bank sample with SDSS spectroscopy

    Wang, Deliang; Dong, Xiaobo

    2009-01-01

    Results are presented of extended and refined optical identification of 181 radio/X-ray sources in the RASS-Green Bank (RGB) catalog which have been spectroscopically observed in the Sloan digital sky survey (SDSS) DR5. For 74 sources, the identifications for are presented for the first time. It is confirmed that the majority of strong radio/X-ray emitters are radio-loud active galactic nuclei (AGNs), particularly blazars. Taking advantage of the high spectral quality and resolution and our refined spectral modeling, we are able to disentangle narrow line radio galaxies (NLRGs), as vaguely termed in most previous identification work, into Seyfert II galaxies and LINERs, based on the standard emission line diagnostics. The NLRGs in the RGB sample, mostly belonging to `weak line radio galaxies', are found have optical spectra consistent predominantly with LINERs, and only a small fraction with Seyfert II galaxies. A small number of LINERs have radio power as high as $10^{23}-10^{26}$ \\whz at 5 GHz, being among ...

  5. International Taxation and Cross-Border Banking

    Huizinga, H.P.; Voget, J.; Wagner, W.B.

    2011-01-01

    This paper examines empirically how international taxation affects the volume and pricing of cross-border banking activities for a sample of banks in 38 countries over the 1998-2008 - period. Home country corporate income taxation of foreign-source bank income is found to reduce banking-sector FDI. Furthermore, such taxation is almost fully passed on into higher interest margins charged abroad. These results imply that international double taxation distorts the activities of international ban...

  6. MANAGING OPERATIONAL RISK IN BANKS

    Victoria STANCIU

    2010-01-01

    Full Text Available Recent years have emphasized focus on risk management, and it became clear that there is an urgent need for a robust framework to effectively manage risk. The financial and economic crisis showed the importance of a strong risk management process and forced banks to take a critical look at how they manage risks. Romanian banking system has known significant changes determined by the implementation of Basel II requirements. These requirements determined an important effort of the banks to improve their risk management process.Operational risk is considered a significant risk and has an important impact on banks activity and results. Now, there is a clear effort of the banks for applying more advanced methods on operational risk so that their control and management to be improved. The present paper presents the specificity of the operational risk management and the author’s solution for the operational risk management in banks.

  7. Liquidity, banks, and markets : effects of financial development on banks and the maturity of financial claims

    Douglas W. Diamond

    1996-01-01

    Financial markets and financial institutions compete to provide investors with liquidity. The author examines the roles of banks and markets when both are active, characterizing how development of the financial markets affects the structure and market share of banks. Banks create liquidity by offering claims with a higher short-term return than exist without a banking system. The amount of liquidity that banks offer depends on the degree of direct participation in financial markets - that is,...

  8. Bank Regulatory Capital Adjustment and Ultimate Ownership Structure: Evidence from European Commercial Banks

    Lepetit, Laetitia; Tarazi, Amine; Zedek, Nadia

    2012-01-01

    We empirically investigate whether a bank's decision to recapitalize is influenced by its ownership characteristics, particularly the separation between voting and cash-flow rights of the bank's ultimate owner. We use a novel hand-collected dataset on bank ultimate control and ownership structure of 442 European commercial banks to estimate an ownership- augmented capital adjustment model. We find that when the ultimate owner's voting and cash-flow rights are identical, banks actively (as opp...

  9. Internet Banking in Terms of Profitability: The Case of Northern Cyprus Banks

    Nwobodo, Jude Chimezie

    2011-01-01

    ABSTRACT: In Northern Cyprus, many if not all different bank services are being provided for their customers. Banking activities on the small Island in rather perfect and it is very flexible in satisfying and meeting the persistent wants of the general public. Currently, North Cyprus banks have gone ahead of traditional ways of banking. Newer products and services are being developed through electronic ways or electronic platforms (online banking), by using different delivery channels to rea...

  10. Banking Safety Nets: Information Issues

    Jorge Ponce

    2006-01-01

    This paper synthesizes recent literature on the optimal design of banking safety nets. We focalize on information issues. In particular, we propose a mechanism to improve the incentives the Central Bank has to provide information to the Deposit Insurance Corporation. Such mechanism makes possible the implementation of the second-best allocation of the lender of last resort activity proposed by Repullo (2000).

  11. Use of biotechnology in flax germplasm development

    Full text: Andro, CDC Normandy, CDC Triffid, and Linola 989 are examples of flax varieties that have been developed through the application of biotechnology. Somaclonal variation, cell selection, haploid breeding, mutagenesis, genetic engineering and molecular marker development are all being employed in flax germplasm development. Tissue culture techniques such as somaclonal variation (CDC Normandy) and cell selection (Andro) have been successful, but the greatest potential for the use of tissue culture methodology is the application of haploid breeding. While a number of groups worldwide have had limited success in producing doubled haploid plants from anther and/or microspore culture [Chen et al. 1998, Plant Breeding 117: 463; Friedt et al. 1995, Plant Breeding 114: 322; Nichterlein and Friedt 1993, Plant Cell Rep. 12: 426], the frequency of regeneration has limited its application in variety development. Several groups are currently using anther culture within their breeding programs, but the ultimate success of haploid breeding will undoubtedly depend on developing an efficient microspore-derived system for doubled haploid production. Perhaps the most successful technique to date, in terms of germplasm development, has been the use of mutagenesis. The Linola types [Dribnenki et al. 1996, Can. J. Plant Sci. 76:329; Dribnenki and Green 1995, Can. J. Plant Sci. 75: 201], have already been released, and other modified oil types are currently being developed [Saeidi and Rowland 1997, J. Hered. 88: 466; Ntiamoah et al. 1995, Crop Sci. 35: 148]. Additional traits being investigated in mutagenized populations include seed colour, reduced levels of anti nutritional factors in seed, increased nutraceutical content, and traits of agronomic interest. For example, screening of an EMS-treated population of McGregor flax at the Crop Development Centre identified three mutant lines which had greatly reduced levels of cyanogenic glucosides. Flax has proven to be amenable to

  12. The Bank of England Bank Liabilities Survey

    Bell, Venetia; Butt, Nick; Talbot, James

    2013-01-01

    In order to improve understanding of the role of bank liabilities in driving credit and monetary conditions, the Bank of England began conducting a formal Bank Liabilities Survey last year. This survey is intended to supplement the data collected on the asset side of bank balance sheets by the Bank of England’s quarterly survey of credit conditions, which was introduced in 2007. The first results of the Bank Liabilities Survey will be published on 26 March. This article introduces the survey.

  13. Development of tissue bank.

    Narayan, R P

    2012-05-01

    The history of tissue banking is as old as the use of skin grafting for resurfacing of burn wounds. Beneficial effects of tissue grafts led to wide spread use of auto and allograft for management of varied clinical conditions like skin wounds, bone defects following trauma or tumor ablation. Availability of adequate amount of tissues at the time of requirement was the biggest challenge that forced clinicians to find out techniques to preserve the living tissue for prolonged period of time for later use and thus the foundation of tissue banking was started in early twentieth century. Harvesting, processing, storage and transportation of human tissues for clinical use is the major activity of tissue banks. Low temperature storage of processed tissue is the best preservation technique at present. Tissue banking organization is a very complex system and needs high technical expertise and skilled personnel for proper functioning in a dedicated facility. A small lapse/deviation from the established protocol leads to loss of precious tissues and or harm to recipients as well as the risk of transmission of deadly diseases and tumors. Strict tissue transplant acts and stringent regulations help to streamline the whole process of tissue banking safe for recipients and to community as whole. PMID:23162240

  14. Development of tissue bank

    R P Narayan

    2012-01-01

    Full Text Available The history of tissue banking is as old as the use of skin grafting for resurfacing of burn wounds. Beneficial effects of tissue grafts led to wide spread use of auto and allograft for management of varied clinical conditions like skin wounds, bone defects following trauma or tumor ablation. Availability of adequate amount of tissues at the time of requirement was the biggest challenge that forced clinicians to find out techniques to preserve the living tissue for prolonged period of time for later use and thus the foundation of tissue banking was started in early twentieth century. Harvesting, processing, storage and transportation of human tissues for clinical use is the major activity of tissue banks. Low temperature storage of processed tissue is the best preservation technique at present. Tissue banking organization is a very complex system and needs high technical expertise and skilled personnel for proper functioning in a dedicated facility. A small lapse/deviation from the established protocol leads to loss of precious tissues and or harm to recipients as well as the risk of transmission of deadly diseases and tumors. Strict tissue transplant acts and stringent regulations help to streamline the whole process of tissue banking safe for recipients and to community as whole.

  15. Expectations of the Banking Sector from Accounting Education

    Orhan Ünal

    2013-01-01

    One of the main elements that enable financial system to perform properly is the banking sector. Therefore, problems arising in the banking sector need to be addressed urgently and accurately. One of the main needs of the banking sector is education. Banking sector employees should have a good education in order for banking activities continue seamlessly. Majority of the banking sector employees go through an accounting education and use their knowledge of accounting at work. This study aims ...

  16. NEA Data Bank

    The coordination of nuclear data compilation within the OECD countries was initiated in 1964, with the creation of the Neutron Data Compilation Centre (CCDN) at Saclay close to Paris, France. This centre participated from the start in the 4-centre network. The NEA Data Bank was established at Saclay in 1978, by merging the CCDN and the Computer Program Library (CPL), Ispra, Italy. NEA Data Bank activities have evolved beyond nuclear data and computer programs, and now also include projects such as the coordination of the Joint Evaluated Fission and Fusion (JEFF) library of nuclear data, the compilation and critical review of chemical thermodynamic data for waste management applications, and the compilation of information relevant to computer code validation in the areas of: integral experiments, shielding, criticality safety, fuel behaviour, reactor physics and reactor safety. The Executive Group of the NEA Nuclear Science Committee manages the work programme of the NEA Data Bank.

  17. Optical identification of radio-loud active galactic nuclei in the ROSAT-Green-Bank sample with SDSS spectroscopy

    Results of extended and refined optical identification of 181 radio/X-ray sources in the RASS-Green Bank (RGB) catalog are presented (Brinkmann et al. 1997) which have been spectroscopically observed in the Sloan Digital Sky Survey (SDSS) DR5. The SDSS spectra of the optical counterparts are modeled in a careful and self-consistent way by incorporating the host galaxy's starlight. Optical emission line parameters are presented, which are derived accurately and reliably, along with the radio 1.4-5 GHz spectral indices estimated using (non-simultaneous) archival data. For 72 sources, the identifications are presented for the first time. It is confirmed that the majority of strong radio/X-ray emitters are radio-loud active galactic nuclei (AGNs), particularly blazars. Taking advantage of the high spectral quality and resolution and our refined spectral modeling, we are able to disentangle narrow line radio galaxies (NLRGs), as vaguely termed in most previous identification work, into Seyfert II galaxies and LINERs (low-ionization nuclear emission regions), based on the standard emission line diagnostics. The NLRGs in the RGB sample, mostly belonging to 'weak line radio galaxies', are found to have optical spectra consistent predominantly with LINERs, and only a small fraction with Seyfert II galaxies. A small number of LINERs have radio power as high as 1023 - 1026 W Hz-1 at 5 GHz, being among the strongest radio emitting LINERs known so far. Two sources are identified with radio-loud narrow line Seyfert 1 galaxies (NLS1s), a class of rare objects. The presence is also confirmed of flat-spectrum radio quasars whose radio-optical-X-ray effective spectral indices are similar to those of High-energy peaked BL Lacs (HBLs), as suggested by Padovani et al., although it is still a debate as to whether this is the case for their actual spectral energy distributions.

  18. Online Banking on E-Commerce in India

    Navpreet Kaur

    2015-04-01

    Full Text Available Online Banking is becoming an important aspect of worldwide commerce. Online Banking is also known as ebanking, cyber banking, virtual banking, net banking, and internet banking. Online banking includes various banking activities conducted from home business, instead of at a physical bank location Customer relationship management worked as a tool increased use of e-commerce makes CRM. Online banking is based on internet or web- based interaction to create a high volatile relationship in the banking sector .Questions are related to online banking in which given options are Satisfied, Unsatisfied ,Neutral, Yes, No . After analysis and comparison of traditional banking of online banking, it is revealed that it is quite difficult, if not impossible, to suggest that which online banking is best. Online banking provide the flexibility, efficiency of work, provide the better security of net banking than net banking incresed. The future of web-based e-banking in developed areas appears bright but consumers and merchants in developing countries face in number of barriers to successful ebanking, including less reliable telecommunications infrastructure and power supplies, less access to online payment mechanisms and relatively high costs for personal computers and Internet access . The Future scope of the study of Online banking is use to reduce transaction costs.

  19. First steps towards rescuing Las-infected citrus germplasm

    Huanglongbing (HLB) disease is having significant impact on the USDA citrus breeding program as it has shown up in a number of trees which exist only in a virtually irreplaceable collection of diverse citrus types. It is critical that we rescue HLB-free budwood from elite germplasm that is HLB-patho...

  20. Characterization of saccharum species germplasm for starch content

    The renewed interest in wild Saccharum species germplasm across sugarcane breeding programs has been necessitated by the need to widen the genetic base of breeding populations. Modern sugarcane cultivars were derived from inter-specific hybridization between S. officinarum and S. spontaneum. Very fe...

  1. Screening the National Plant Germplasm System's Garlic Collection for Viruses

    The USDA-ARS Western Regional Plant Introduction Station (WRPIS) collects, maintains, and distributes garlic (Allium sativum) accessions as part of the National Plant Germplasm System. In the regeneration process, accessions are grown under field conditions at the WRPIS farm in Pullman, Washington....

  2. National Plant Germplasm System: Critical Role of Customer Service

    The National Plant Germplasm System (NPGS) conserves plant genetic resources, not only for use by future generations, but for immediate use by scientists and educators around the world. With a great deal of interaction between genebank curators and users of plant genetic resources, customer service...

  3. Anthracnose resistance in sorghum breeding lines developed from Ethiopian germplasm

    Ninety-nine dwarf and photoperiod-insensitive breeding lines developed from Ethiopian sorghum germplasm were inoculated with Colletotrichum sublineolum and evaluated for anthracnose resistance at the Tropical Agriculture Research Station in Isabela, Puerto Rico during the 2008 and 2009 growing seaso...

  4. Sully's Hill NGP : 2006 bison germplasm conservation plan

    US Fish and Wildlife Service, Department of the Interior — Logistics for the plan to carry out germplasm conservation of bison in Region 6 and the U.S. Fish and Wildlife Service. It starts out with an effort to move all...

  5. Optimized scarification protocols improve germination of diverse Rubus germplasm

    Seed collections of the wild relatives of cultivated blackberry and raspberry (Rubus species) are maintained at the National Clonal Germplasm Repository, Corvallis, OR. Seeds of Rubus species are orthodox and can be stored dry and remain viable for many years; however germination is often poor or er...

  6. Registration of four diverse random-mated cotton germplasm populations

    Dwarf GP (Reg. No. ______; PI ______), Fiber GP (Reg. No. ______; PI ______), Glandless GP (Reg. No. ______; PI ______), and Race GP (Reg. No. ______; PI ______) are four unique upland cotton (Gossypium hirsutum L.) germplasm populations (GP) released by the USDA-ARS. One is a four-parent, narrow-b...

  7. 12 CFR 619.9140 - Farm Credit bank(s).

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit bank(s). 619.9140 Section 619.9140 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9140 Farm Credit bank(s). Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit...

  8. Determinants and Outcomes of Internet Banking Adoption

    Mei Xue; Lorin M. Hitt; Pei-yu Chen

    2011-01-01

    This paper examines the drivers of adoption of Internet banking and the linkages among adoption drivers and outcomes (product acquisition, service activity, profitability, loyalty). We relate Internet banking adoption to customer demand for banking services, the availability of alternative channels, customers' efficiency in service coproduction ("customer efficiency"), and local Internet banking penetration. We find that customers who have greater transaction demand and higher efficiency, and...

  9. Risk Management in Banks through Hedging

    Bihari Suresh Chandra; Khanna Rishabh

    2010-01-01

    Banking as a financial intermediary sector, faces numerous risks in the form of accounts converting to Non Performing Assets (NPAs) and also the risks which are uncontrollable like foreign exchange risk, interest rate risk etc. For this, the transit towards risk management practices in every sphere has become imperative in the present scenario. Indian Banks especially public sector banks have long used risk management activities such as duration and gap analysis where these banks manipulate t...

  10. Monitoring, cross subsidies, and universal banking

    Choi, Jay Pil; Stefanadis, Christodoulos

    2015-01-01

    We formalize the idea that a financial conglomerate may utilize commercial banking activities to cross-subsidize investment banking through bundled offers. The investment banking sector entails supra-normal profits due to incentive problems with security underwriting. Universal banks may aim to capture (some of) those profits by providing discounts on commercial loans. This practice has an adverse effect on commercial banks’ monitoring incentives, encouraging the pursuit of private rents by e...

  11. Monitoring, Cross Subsidies, and Universal Banking

    Choi, Jay Pil; Stefanadis, Christodoulos

    2015-01-01

    We formalize the idea that a financial conglomerate may utilize commercial banking activities to cross-subsidize investment banking through bundled offers. The investment banking sector entails supra-normal profits due to incentive problems with security underwriting. Universal banks may aim to capture (some of) those profits by providing discounts on commercial loans. This practice has an adverse effect on commercial banks’ monitoring incentives, encouraging the pursuit of private rents by e...

  12. Effect of two different germplasm of Mucuna pruriens seed extracts against some fish pathogens

    M. Marimuthu M

    2015-07-01

    Full Text Available To investigate the two different germplasm of Mucuna seeds were collected from agro geographical regions was evaluated for its antibacterial activities. Antibacterial activity of the seed extracts was studied against the fish pathogens of Aeromonas hydrophila, Pseudomonas fluorescens, Vibrio cholera and Klebsiella pneumonia using agar well diffusion method. Results showed that methanol and ethanol extracts showed more potent antibacterial activity than other solvent extracts. The results were expressed as mean ± SD. The results obtained in the study shows that velvet bean black seed extract has more antibacterial activity against fish pathogens. The antibacterial activity of all the Mucuna seed extracts are comparable ad their potential as alternative in the treatment of infectious by these microorganisms was present in the fish. Susceptibility testing is conducted on isolates using drug selected on the basis of their importance to human medicine and use I fish production.

  13. RAPD Analysis of Germplasm Resources of Kudingcha Species in Oleaceae

    ZHENG Dao-jun; LIANG Yuan-fa; LIU Gou-min; YAN Dong-hai; LINGHU Chang-di; TIAN Yong-hui

    2009-01-01

    The random amplified polymorphic DNA marker (RAPD) was applied to detect the genetic relationships and diversity among 21 germplasm materials of Kudingcha species in Oleaceae, which involved 8 species, i.e., Ligustrum robustum (Roxb.) Blume, L. henryi Hemsl., L. japonicum Thunb, L. japonicum Thunb. vat. pubscens Koidz, L. luciduM Ait., L. pedunculare Rehd, Osmanthus masumuranus Hayata, and L. delavayanm Hariot. 20 RAPD primers selected were applied for the amplification on the 21 germplasm materials mentioned above. 427 bands were obtained, and the percentage of polymorphic bands (PPB) was 97.7%. The genetic similarity coefficients (GS) ranged from 0.1522 to 0.8322 with an average of 0.5466. There was a significant genetic difference among germplasm materials of Kudingcha species in Oleaceae, and UPGMA cluster based on the GS of RAPD could distinguish all test germplasm materials clearly and indicated the relationship of the 8 species mentioned above, all of which indicated that RAPD markers could be used for the studies of genetic diversity and relationship and classification of germplasm resources of Kudingcha species in Oleaceae. Analysis results of RAPD showed that L. japonicum Thunb. var. pubscens Koidz has closer genetic relationship with L. pedunculare Rehd and further genetic relationship with L. japonicum Thunb. among all tested species. The authors suggest that further research is needed to study whether L. japonicum Thunb. var. pubscens Koidz should be classified into a variata of L. japonicum Thunb, or should be considered as an independent species. The analysis results supported that L. pururascens Y. C. Yang should be combined into L. robustum (Roxb.) Biume.

  14. Genome resource banking of biomedically important laboratory animals.

    Agca, Yuksel

    2012-11-01

    Genome resource banking is the systematic collection, storage, and redistribution of biomaterials in an organized, logistical, and secure manner. Genome cryobanks usually contain biomaterials and associated genomic information essential for progression of biomedicine, human health, and research. In that regard, appropriate genome cryobanks could provide essential biomaterials for both current and future research projects in the form of various cell types and tissues, including sperm, oocytes, embryos, embryonic or adult stem cells, induced pluripotent stem cells, and gonadal tissues. In addition to cryobanked germplasm, cryobanking of DNA, serum, blood products, and tissues from scientifically, economically, and ecologically important species has become a common practice. For revitalization of the whole organism, cryopreserved germplasm in conjunction with assisted reproductive technologies, offer a powerful approach for research model management, as well as assisting in animal production for agriculture, conservation, and human reproductive medicine. Recently, many developed and developing countries have allocated substantial resources to establish genome resources banks which are responsible for safeguarding scientifically, economically, and ecologically important wild type, mutant, and transgenic plants, fish, and local livestock breeds, as well as wildlife species. This review is dedicated to the memory of Dr. John K. Critser, who has made profound contributions to the science of cryobiology and establishment of genome research and resources centers for mice, rats, and swine. Emphasis will be given to application of genome resource banks to species with substantial contributions to the advancement of biomedicine and human health. PMID:22981880

  15. E-BANKING SERVICES – FEATURES, CHALLENGES AND BENEFITS

    IMOLA DRIGĂ

    2014-10-01

    Full Text Available Today traditional banking services, based on lending and deposittaking operations, are only part of banking activities. Due to the emergence of a knowledgebased economy and society as information and communication technology advanced, banking services have undergone profound changes during the past decades. In order to improve the quality of customer service delivery and reduce transaction cost, banks have invested to a great extent in ICT and have adopted ICT networks for delivering a wide range of banking products and services. Banks all over the world have embraced innovative banking technologies and e-banking services in recent years. In this context, the paper aims to provide an overview of the electronic banking service highlighting various aspects of e-banking. Although e-banking offers many advantages both to corporate and individual clients, electronic banking is not without certain challenges and issues in terms of security and interest of customers.

  16. 12 CFR 225.145 - Limitations established by the Competitive Equality Banking Act of 1987 on the activities and...

    2010-01-01

    ... provisions of the Board's Regulation Y (12 CFR 225.52). 1 12 U.S.C. 1843(f). Such a company is treated as a..., credit card and mortgage lending. 12 CFR 225.25(b)(1). Finally, CEBA itself recognizes the specialized... a business. See 12 CFR 225.25(b)(3). Similarly, the trust company exemption from the bank...

  17. 75 FR 8239 - Federal Home Loan Bank Housing Associates, Core Mission Activities and Standby Letters of Credit

    2010-02-24

    ... Code of Federal Regulations as follows: CHAPTER IX--FEDERAL HOUSING FINANCE BOARD PART 926-- 0 1... this part: Acquired member assets or AMA means those assets that may be acquired by a Bank under part... 15, 2010. Edward J. DeMarco, Acting Director, Federal Housing Finance Agency. BILLING CODE; P...

  18. Simulating Retail Banking for Banking Students

    Supramaniam, Mahadevan; Shanmugam, Bala

    2009-01-01

    The purpose of this study was to examine the implementation flow and development of retail bank management simulation based training system which could provide a comprehensive knowledge about the operations and management of banks for the banking students. The prototype of a Retail banking simulation based training system was developed based on…

  19. Determinants of bank lending performance

    Ewert, Ralf; Schenk, Gerald

    1998-01-01

    During the last years the lending business has come under considerable competitive pressure and bank managers often express concern regarding its profitability vis-a-vis other activities. This paper tries to empirically identify factors that are able to explain the financial performance of bank lending activities. The analysis is based on the CFS-data-set that has been collected in 1997 from 200 medium-sized firms. Two regressions are performed: The first is directed towards relationships bet...

  20. Assessment of Correspondent Banks Case Study

    Abeer F.A.A. Abbadi

    2011-01-01

    Full Text Available Problem statement: This study aims at evaluating corresponding banks in Jordan. Characterizing the goals, instruments and profitability under unfavorable conditions of financial setbacks and unfair competition among banks. Focuses on the feasibility and profitability of Philadelphia Investment Bank in its international trade via its Correspondent banks. Approach: Problems and setbacks shall be screened out; reasoned and appropriate optimal recommendations are to be presented. Results: The study followed the analytical approach and depended on “History Documents” and “In depth Interview” techniques and puts a major emphasis on the fact that correspondent banking has become an essential cornerstone of international business amid the new era of world trade, globalization, external competition and cartels from the major opponents to Jordanian Banks, the main conclusion is realized the importance of correspondent banks in the international trade, so Philadelphia bank benefited from correspondent banks for the cheap cost of market entry and services were tailored to the scale of required locale. But there was no big investment in staff facilities. And there are setbacks in dealing with correspondent banks, such as fund delay in reaching destinations on time. Moreover, Jordanian banks have suffered in general from these correspondent banks because they deal with these correspondent banks individually. Conclusion/Recommendations: The recommendation of the study is, it is the time to consider solidification and forming one financial block, or a sort of cartel and face these correspondent banks in one unit. They are also called for developing collective strategies. Small banks should merge and form huge capital blocks. Another strategy is that Jordanian banks should minimize the reliance on foreign banks and should develop their own, by establishing international branches abroad to help financing their international activities.

  1. Ist die Bank der Zukunft eine Bank?

    Spremann, Klaus

    1997-01-01

    Ist die Bank der Zukunft noch eine Bank? Ist sie noch eine Bank mit Menschen, oder wird die virtuelle Bank das Modell der Zukunft sein? Haben die Filialen noch eine Chance, oder werden künftig alle Bankgeschäfte über Computer abgewickelt? Umfragen unter Kreditinstituten bestätigen, dass die gegenwärtig drängendste Frage ist, auf welchem Weg die Bank und der Mensch zusammenkommen.

  2. Comparing Conventional Bank Credit Vis A Vis Shariah Bank Musharakah: Experimental Economic Approach

    Muhamad Abduh

    2008-01-01

    Full Text Available Central Bank of Indonesia with dual banking system – i.e Shariah and Conventional Bank – keep on developing system that considered as an answer to generate the national economic growth. One of the banking activities that emphasized by the Central Bank of Indonesia is fund distribution through either conventional bank credit or shariah bank fi nancing. Having the Experimental Economic Approach based on Induced Value Theory and employing ANOVA, this paper found that shariah bank musharakah fi nancing system would come up with higher profi t opportunity compare to conventional credit system. One main reason is that musharakah fi nancing in shariah bank applies profi t and lost sharing (PLS scheme so that will not be a burden to the customer when he fi nd low profi t.Keywords: Credit Loan, Musharakah Financing, Induced Value Theory, Experimental Economic Approach, Analysis of Variance (ANOVA.

  3. Effects of water treatments on the activation of soil seed banks - A case study on the lower reaches of the Tarim River

    Zengru Wang; Hailiang Xu; Linke Yin; Jimei Li; Zhanjiang Zhang; Yuan Li

    2009-01-01

    Evaluation of seedling emergence is a common method used to investigate the vegetation restoration potential of soil seed banks. Previous studies have primarily been conducted in the laboratory using a single water treatment. However, when this method is used, it is difficult to optimize the water conditions for the needs of the individual species of seeds. Additionally, the germination conditions for seedlings in the laboratory are different from those in nature. To avoid these issues, we conducted experiments to activate soil seed banks in the field using different water treatments. The results revealed that: (1) generally, the number of species and quantity of seedlings decrease gradually as the water supply decreases, but that for several species most seedlings did not appear when they were provided with the greatest amount of water, and (2) different species present different germination characteristics. According to the rate of seedling emergence, the species were classified into two germination types: fast and slow. In addition, each species also had a unique climax period of emergence, which was delayed with a decrease in water supply. Therefore, the amount of water provided is vital to seedling emergence, and various water treatments should be evaluated when studying the characteristics of different species in soil seed banks. For the lower reaches of the Tarim River, the optimal soil moisture for seedling emergence ranged from 23% to 28%, and seedling conservation should be strengthened during the climax period of emergence (9-15 days from the day when water became available). These results highlight the importance of the use of an optimal water treatment and demonstrate the danger of using a single treatment method. Our results also emphasize the need for a preliminary study prior to conducting studies to evaluate seed banks.

  4. Discrimination of Wild Tea Germplasm Resources (Camellia sp.) Using RAPD Markers

    CHEN Liang; WANG Ping-sheng; Yamaguchi Satoshi

    2002-01-01

    Discrimination of 24 wild tea germplasm resources ( Camellia sp. ) using RAPD markers was conducted. The result showed that RAPD markers were very effective tool and method in wild tea germplasm discrimination. There were 3 independent ways to discriminate tea germplasms, a) unique RAPD markers, b)specific band patterns and c) a combination of the band patterns or DNA fingerprinting provided by different primers. The presence of 16 unique RAPD markers and the absence of 3 unique markers obtained from 12 primers made it possible to discriminate 14 germplasms. Using the unique band patterns of primer OPO-13 could discriminate 10 tea germplasms. It was of much importance using minimum primers to obtain maximum discrimination capacity. All the 24 wild tea germplasms could be discriminated easily and entirely by the band patterns combination or DNA fingerprinting obtained from OPO-13, OPO-18, OPG-12 and OPA-13, including two wild tea trees of very similar morphological characteristics and chemical components.

  5. Banking Efficiency in European Banking

    Michaelidou, Vasiliki

    2012-01-01

    This research aims to unveil whether the tremendous banking sector reforms within the dynamic nature of the EU economic environment have achieved one of the catalyst EU goals, increase financial institutions’ cost efficiency. Using a single stage stochastic frontier approach, cost efficiency of the enlarged EU is estimated and evaluated for the period 2005-2011. The results suggest that EU pursuits have been successful but that stronger controls are needed.

  6. Determinants of Internet Banking Adoption in Jordan

    Haneen A. Abu-Assi

    2014-11-01

    internet banking adoption, banks should combine the concepts of compatibility, perceived ease of use, perceived usefulness, and security into the online banking services concept in the stage of market planning and ensure proper synergy between these variables in order to increase the level of internet banking adoption. Moreover, both marketers and banks can utilize the demographic variables in order to improve their marketing activities for online banking. Finally, since the Jordanian financial system is going through a period of extensive change, the development process should not be linked to one specific bank or another, but instead all banks under the Central Bank of Jordan should try to build long-term strategies that include an awareness component in order to raise internet banking adoption awareness amongst Jordanian banking clients.

  7. Genetic diversity in Capsicum germplasm based on microsatellite and random amplified microsatellite polymorphism markers

    Rai, Ved Prakash; Kumar, Rajesh; Kumar, Sanjay; Rai, Ashutosh; Kumar, Sanjeet; Singh, Major; Singh, Sheo Pratap; Rai, Awadesh Bahadur; Paliwal, Rajneesh

    2013-01-01

    A sound knowledge of the genetic diversity among germplasm is vital for strategic germplasm collection, maintenance, conservation and utilisation. Genomic simple sequence repeats (SSRs) and random amplified microsatellite polymorphism (RAMPO) markers were used to analyse diversity and relationships among 48 pepper (Capsicum spp.) genotypes originating from nine countries. These genotypes covered 4 species including 13 germplasm accessions, 30 improved lines of 4 domesticated species and 5 lan...

  8. Genetic Analysis of Diversity within a Chinese Local Sugarcane Germplasm Based on Start Codon Targeted Polymorphism

    Youxiong Que; Yongbao Pan; Yunhai Lu; Cui Yang; Yuting Yang; Ning Huang; Liping Xu

    2014-01-01

    In-depth information on sugarcane germplasm is the basis for its conservation and utilization. Data on sugarcane molecular markers are limited for the Chinese sugarcane germplasm collections. In the present study, 20 start codon targeted (SCoT) marker primers were designed to assess the genetic diversity among 107 sugarcane accessions within a local sugarcane germplasm collection. These primers amplified 176 DNA fragments, of which 163 were polymorphic (92.85%). Polymorphic information conten...

  9. Germplasm resources for increasing the genetic diversity of global cultivated sunflower

    Seiler G.; Marek Fredrick L.

    2011-01-01

    Genebanks are a rich source of genetic diversity that can be readily exploited for crop improvement. The USDA-ARS established a cultivated sunflower germplasm collection at the National Plant Germplasm System, North Central Regional Plant Introduction Station at Ames, Iowa in1948. A wild Helianthus germplasm collection was established at the USDA-ARS Bushland, Texas station in 1976. Presently, both collections are maintained and managed at Ames, Iowa. The g...

  10. E-Banking in Malaysia: Opportunity and Challenges

    Chai Lee Goi

    2005-12-01

    Full Text Available E-banking has to be a delivery channel that replicates and replaces many of the physical functions a bank currently performs. Hence, the E-banking now becomes a virtual banking counter that the individual and corporate customer to carry out the regular activities. Even E-banking services more to electronic-based, but, it still strongly support banking activities, therefore communication, transaction and distribution (Peterson, Balasubramanian and Bronnenberg, 1997. There are number of challenges need to be faced by Malaysian banks, however, the opportunity in this industry is high due to the current trend especially application and development of ICT.

  11. BANKING INDUSTRY OF INDIAAND RECENT TRENDS

    Keshav Lengare

    2014-10-01

    Full Text Available This paper analyzes the trends in financing and investing activities of companies in India in the recent past. While looking at the available trends, we have also tried to give a broad outlook for these in the near future. The first part deals with the financing options available to Indian companies. In the banking field, there has been an unprecedented growth and diversification of banking industry has been so tupendous that it has no parallel in the annals of banking anywhere in the world.The banking industry has experienced a series of significant transformations in the last few decades. Among the most important of them is the change in the type of organizations that dominate the landscape. Since the eighties, banks have increased the scope and scale of their activities and several banks have become very large institutions with a presence in multiple regions of the country.' The paper examines the new trends in commercial banking.

  12. Analysis of parcel-based image classification methods for monitoring the activities of the Land Bank of Galicia (Spain)

    T. Hermosilla; Ruiz Fernández, Luis Ángel; Recio Recio, Jorge Abel; Fernández-Sarría, Alfonso

    2012-01-01

    The abandonment of agricultural plots entails a low economic productivity of the land and a higher vulnerability to wildfires and degradation of affected areas. In this sense, the local government of Galicia is promoting new methodologies based on high-resolution images in order to classify the territory in basic and generic land uses. This procedure will be used to control the sustainable management of plots belonging to the Land Bank. This paper presents an application study for maintaining...

  13. The ways of strengthening positions of domestic banks on Ukrainian banking services market

    Vladymyr, Olha Mykhajlivna

    2014-05-01

    Full Text Available Modern tendencies of development the banking business is described in the article. Indicators and the main problems of development of Ukrainian banking system been analyzed. The positive and negative influence of globalization processes specified. The necessity and possible ways to strengthen the position of domestic banks is soundly. The necessity of raising the level of domestic banks capitalization through reorganization changes such as the domestic bank and non-bank holding companies formation, temporary associations of domestic and foreign banks in order to serve specific international or innovative projects is well-grounded in this article. The positive aspects of domestic banks consolidation are named. Some of them: strengthening of the bank’s financial stability, increased the opportunities for compliance with regulatory requirements and fulfillment of regulatory measures taken by the National Bank of Ukraine, development of market conditions, rising of competitive struggle, improving of banking services, expanding the range of foreign exchange services and reduce their costs, raise barriers to entry of weak players at market. The negative consolidation of banks named the danger of monopolization of the market. The necessity of improvement in the professionalism of doing domestic banking business through using the effective methods of customers service, new operations and new technologies in banking activities is emphasized. The measures to stimulate and interest of commercial banks in taking part in the financing of innovation projects enterprise development are proposed.

  14. Banking Competition and Economic Stability

    Ronald Fischer; Nicolás Inostroza; Felipe J. Ramírez

    2013-01-01

    We consider a two-period model of a banking system to explore the effects of competition on the stability and efficiency of economic activity. In the model, competing banks lend to entrepreneurs. After entrepreneurs receive the loans for their projects, there is a probability of a shock. The shock implies that a fraction of firms will default and be unable to pay back their loans. This will require banks to use their capital and reserves to pay back depositors, restricting restrict second per...

  15. Content evaluation of 4 furanocoumarin monomers in various citrus germplasms.

    Xu, Juan; Ma, Lili; Jiang, Dong; Zhu, Shiping; Yan, Fuhua; Xie, Yunxia; Xie, Zongzhou; Guo, Wenwu; Deng, Xiuxin

    2015-11-15

    Due to the furanocoumarin compounds in the fruit, the production and consumption of grapefruit have been affected in the past decades since the 'grapefruit juice effect' was declared. To provide elite germplasm and obtain knowledge for future citrus breeding programs, the contents of 4 furanocoumarin monomers (FCMs) in the juice sacs from 73 citrus germplasms were evaluated using ultra-performance liquid chromatography. 6',7'-Dihydroxybergamottin and bergamottin were dominant in all the tested grapefruits, while there were some pomelos with dominant epoxybergamottin, and some with dominant 6',7'-dihydroxybergamottin and bergamottin. The contents of FCMs were low or below detection in sweet oranges, mandarins, lemons and trifoliate oranges. The results also show that the dominant patterns of FCMs are genotype-related, and crossing and selection are effective approaches to alter FCM profiles in citrus breeding. Furthermore, the contribution of pomelo as a parent to grapefruit regarding their FCM profiles was discussed. PMID:25977000

  16. Biochemical approaches in identifying mutants and duplicates in germplasm collections

    Full text: Traditional taxonomy and germplasm evaluations are extended by biochemical methods, the latter being often faster and more precise. Today we apply 4 basically different electrophoretic techniques (PAGIF, PoroPAGE, SDS-PAGE, PAGE) and combinations thereof since each method has its limitations, particularly PAGIF and SDS-PAGE. The storage proteins and esterases of plants yield very stable electrophoretic patterns under various environmental conditions. The same is true for the total DNA, split by restrictases, and separated by non-linear gradient PAGE in the range from 120 to 4200 bp. In the potato germplasm collection of CIP (Lima, Peru) about 11,000 duplicates (from 15,000 clones) were eliminated. The collection of sweet potatoes from CIP and AVRDC is under investigation. (author)

  17. Genetic diversity of Cuban pineapple germplasm assessed by AFLP Markers

    Ermis Yanes Paz

    2012-01-01

    Full Text Available The Cuban pineapple germplasm collection represents the genetic diversity of pineapple cultivated in that country and includes other important genotypes obtained from the germplasm collections in Brazil and Martinique. The collection has previously been characterized with morphological descriptors but a molecular characterization has been lacking. With this aim, 56 six genotypes of A. comosus and one of Bromelia pinguin were analyzed with a total of 191 AFLP markers. A dendrogram that represents the genetic relationships between these samples based on the AFLP results showed a low level of diversity in the Cuban pineapple collection. All Ananas comosus accessions, being the majority obtained from farmers in different regions in Cuba, are grouped at distances lower than 0.20. Molecular characterization was in line with morphological characterization. These results are useful for breeding and conservation purposes.

  18. S-Genotype Profiles of Turkish Apricot Germplasm

    Yilmaz, Kadir Ugurtan; Busra BASBUG; Kahraman GURCAN; Hasan PINAR; Julia HALASZ; Sezai ERCISLI; UZUN, Aydın; Erdogan COCEN

    2016-01-01

    In flowering plants, gametophytic self-incompatibility, controlled by a single locus with several allelic variants, is one of the major problems preventing self-fertilization. Among fruit trees, apricots show to a high degree self-incompatibility, especially in Middle-Asian and Iranian-Caucasian eco-geographical groups. In the present study, self-(in)compatibility characteristics of a total of 236 apricot genotypes (218 Turkish and 18 foreign) found within the National Apricot Germplasms of A...

  19. Economic modelling of plant germplasm collections in Papua New Guinea

    Godden, David P.; Kennedy, John O.S.; Kambuou, Rosa N.

    1997-01-01

    Papua New Guinea has major ex situ field collections of plant genetic material in its major staple food crops (aibika, banana, cassava, sago, sweet potato, taro, yams). The PNG Government has become concerned at the cost of maintaining these collections. With limited germplasm conservation resources available, difficult choices must be made as to which plants to maintain. What resources should be devoted to maintaining plant genetic diversity in the wild or in collections. How should these re...

  20. Agronomic characteristic of a dwarf germplasm sunflower line

    Vassilevska-Ivanova Roumiana; Tcekova Zoja

    2005-01-01

    A new sunflower (Helianthus annuus L) dwarf line, HA-ARG-1, has been developed after interspecific hybridization between cultivated sunflower H. annuus and wild annual silver-leaf sunflower H. argophyllus. Plants were selected for reduced height and multiple branching characteristics. The agronomic, morphologic and oil content characteristics of the line were analyzed. Isolation of similar dwarfed lines illustrates the importance of using the wild sunflower germplasms in the development of sp...

  1. THE ANALYSIS OF THE CORRELATION BETWEEN THE LEVEL OF THE BANK FEES FOR CARDS AND THE NUMBER OF ACTIVE CARDS, CONDUCTED WITH THE HELP OF THE „PEARSON†COEFFICIENT

    Iuga Iulia

    2010-01-01

    The evolution of human society in all areas, and especially the economic field,required the banking offer to adapt to new requirements, which called for the modernization andthe development of the services provided by the bank to its customers, but also becoming close tothem. The goal we set with this article is to examine in terms of methodology the correlation between thenumber of active cards and the fees level with PEARSON coefficient. It is study the level of feespracticed by Raiffeisen ...

  2. Bank Liabilities Channel

    Quadrini, Vincenzo

    2014-01-01

    The financial intermediation sector is important not only for channeling resources from agents in excess of funds to agents in need of funds (lending channel). By issuing liabilities it also creates financial assets held by other sectors of the economy for insurance purpose. When the intermediation sector creates less liabilities or their value falls, agents are less willing to engage in activities that are individually risky but desirable in aggregate (bank liabilities channel). The paper st...

  3. Bank Liabilities Channel

    Vincenzo Quadrini

    2015-01-01

    The financial intermediation sector is important not only for channeling resources from agents in excess of funds to agents in need of funds (lending channel). By issuing liabilities it also creates financial assets held by other sectors of the economy for insurance purpose. When the intermediation sector creates less liabilities or their value falls, agents are less willing to engage in activities that are individually risky but desirable in aggregate (bank liabilities channel). The paper st...

  4. Crowdfunding: disintermediated investment banking

    Rubinton, Brian J

    2011-01-01

    This paper introduces crowdfunding as a concept and model for the evolution of investment banking. Crowdfunding, an application of crowdsourcing, is defined as one party’s attempt to finance a project by offering three types of investment opportunities to potential investors. The investment opportunities are donations, passive investments, and active investments. From this foundation I develop a model in which interdependent agents operate in a dynamic, discrete setting. Potential investors d...

  5. Assessment of genetic variability in rice (oryza sativa l.) germplasm from Pakistan using rapd markers

    Information on genetic diversity and relationships among rice genotypes from Pakistan is currently very limited. Molecular marker analysis can truly be beneficial in analyzing the diversity of rice germplasm providing useful information to broaden the genetic base of modern rice cultivars. The objective of this study was to evaluate the genetic polymorphism of 75 rice accessions and improved cultivars using random amplified polymorphic DNA (RAPD) technique. Twenty-eight decamer-primers generated a total of 145 RAPD fragments, of which 116 (80%) were polymorphic. The number of amplification products produced by each primer varied from 3 to 9 with an average of 5.2 alleles primer-1. The size of amplified fragments ranged from 250 to 4000bp. A dendrogram was generated from minimal variance algorithm using Ward method. All the 75 genotypes were grouped into two main groups corresponding to aromatic and non-aromatic types of indica rice. Clustering of accessions did not show any significant pattern of association between the RAPD fingerprints and collection sites. This type of analysis grouping different rice accessions in relation to fragrance, a major rice quality determinant, and varietal group is extremely useful to develop a core collection and gene bank management. Further more, the information revealed by the RAPDs regarding genetic variation is helpful to the plant breeder in selecting diverse parents and for future orientation of rice breeding program. (author)

  6. Performance Measurment of State-Owned Banks in Turkish Banking Sector with Grey Relational Analysis Method

    S. Öznur Sakinc

    2014-01-01

    Banking sector has a considerable impact on the development and growth of the national economy. Increase in the performance of this sector having an important place in the financial system of country, means to positive effects on the general economy. Today, importance of globalization and private capitalis increasing. But State-owned banks in Turkish Banking Sector have an important share of 30%. The main goal of private banks is profitability, so they don’t support the activities with low re...

  7. Securitization Impacts on Banks Credit Risk: Empirical Evidence from the US Bank Holding Companies

    Ruan, Danyue

    2012-01-01

    The main purpose for this study is to investigate the impact of securitization on banks credit-risk taking behaviour. Previous studies have found that securitization may have either a positive or negative effect on banks insolvency risks. In our paper, we use the U.S. bank holding companies data from 2002 to 2012 covering the period of financial crisis, and select those banks which have done any securitization activities during the period. Using the pooled OLS regression and panel data approa...

  8. Determinants of Commercial Bank Performance and Its Implication on China Banking Reform

    Lin, Zhuoxi

    2011-01-01

    The China banking reform started in 1987, for years it is processed in a view of improving efficiency and resource allocation. The most recent reform have been carried out to focus on the joint stock reform related to privatisation and listing of bank shares, liberalisation of business to the foreign banks, encouraging diversifications into intermediary business beyond the traditional deposit and loan activities, and the consolidation reform of the city and rural commercial banks. Meanwhile, ...

  9. Molecular characterization of apricot germplasm from an old stone collection.

    Carolina Martín

    Full Text Available Increasing germplasm erosion requires the recovery and conservation of traditional cultivars before they disappear. Here we present a particular case in Spain where a thorough prospection of local fruit tree species was performed in the 1950s with detailed data of the origin of each genotype but, unfortunately, the accessions are no longer conserved in ex situ germplasm collections. However, for most of those cultivars, an old stone collection is still preserved. In order to analyze the diversity present at the time when the prospection was made and to which extent variability has been eroded, we developed a protocol in apricot (Prunus armeniaca L. to obtain DNA from maternal tissues of the stones of a sufficient quality to be amplified by PCR. The results obtained have been compared with the results from the profiles developed from apricot cultivars currently conserved in ex situ germplasm collections. The results highlight the fact that most of the old accessions are not conserved ex situ but provide a tool to prioritize the recovery of particular cultivars. The approach used in this work can also be applied to other plant species where seeds have been preserved.

  10. Multinational banks and development finance

    Christian E. Weller; Scher, Mark J.

    1999-01-01

    Financial market recommendations for less industrialized economies, particularly in the wake of the recent financial crises, have included a push for more international financial competition. The entry of multinational banks (MNBs) into developing economies is supposed to create more market discipline for domestic banks, thus making them more efficient, and enhancing financial stability. Using data from the BIS and the IMF, we look at the determinants of MNB presence, at MNB activities, and t...

  11. CSR development in Belarusian banking sector

    Liapich, Iryna

    2014-01-01

    The purpose of this thesis was to gather the knowledge about Corporate Social Responsibility (CSR) activities currently implemented by Belarusian banking industry and identify the major areas of these activities. The study also aimed to evaluate, through content analysis, Belarusian banks' level of CSR disclosure. Another objective of the thesis was to highlight the social responsibility of banking sector in Belarus. The study utilized qualitative research method. The data for the theoret...

  12. External indebtedness of Croatian banks

    Antun Jurman

    2005-06-01

    Full Text Available The paper analyses the main characteristics of the foreign assets and foreign liabilities of the banks that to a great extent include credit and deposit activities with non-residents – foreign physical persons and legal entities, mostly with foreign banks. The author in this paper analyses the size and trends of the Republic of Croatia’s external debt with regard to gross domestic product, import, export, international reserve of the Croatian National Bank (HNB, etc. The author also discusses external debt of the banks that have, during the past few years, contributed substantially to the overall external debt of the Republic of Croatia. The autor points out that the banks have used foreign sources mainly for placing citizens’ loans, and less for financing development projects and economy. Thus, the banks have “spent”, i.e. used up their credit capacity as well as the credit capacity of the Republic of Croatia. Regardless of the fact that the banks have improved the quality of their assets, maintained liquidity/solvency and made extremely good profits, there have not been positive effects of the multiplication of credits/loans and deposits nor have there been the awaited effects on the growth of the gross domestic product and employment that otherwise might have been achieved via different foreign resources investment policy

  13. Current trends of banking innovations

    A.M. Karminskiy

    2013-06-01

    -traditional market segments (business insurance, financial leasing, real estate investment, trust operations, innovations of the monetary and financial markets (derivatives market, innovations on traditional segments of capital market (increasing of the efficiency of financial intermediation, certificates of deposit, bonds with floating interest rates, etc. and tries to explane the sufficient interdependence with the IT-Sector. The paper also considers such products as Siebel CRM, FICO Score, SaS, Diasoft, internet banking, etc.Conclusions and directions of further researches. The classification and the main trends of innovations on Russian banking sector allow to see certain patterns of occurrence of innovation activity and highlights the direction of innovation strategy based on the predominance of a certain types of innovation. Further investigations will examine the diffusion process of different types of banking innovations.

  14. Banking reform in Georgia

    Mercan, Metin

    2006-01-01

    Georgia's banking system restructure began in 1991 when Soviet Union collopsed.This paper tries to compare and constract the performance of banks and banking system between 1999 and 2004 with banks in other transition countries. Although Georgia banking system showed a long processing in banking sector, it is still lags behind other transition countries Central and Eastern Europe. Neverthless.An efficient financial institution and performance will not come without further economic development...

  15. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    BATRANCEA MARIA

    2013-07-01

    Full Text Available Most transactions or financial commitments have implications for a bank liquidity. Transactions are particularly vulnerable to liquidity problems at a specific institution. Therefore, one can deduce the importance of the correct calculation and liquidity indicator, not only for the bank concerned, but especially for NBR uses that bank risk management tool. That is why the authors took into consideration a sample of banks in Romania to show to what extent the banking crisis has influenced the development banks.

  16. Indian plant germplasm on the global platter: an analysis.

    Jacob, Sherry R; Tyagi, Vandana; Agrawal, Anuradha; Chakrabarty, Shyamal K; Tyagi, Rishi K

    2015-01-01

    Food security is a global concern amongst scientists, researchers and policy makers. No country is self-sufficient to address food security issues independently as almost all countries are inter-dependent for availability of plant genetic resources (PGR) in their national crop improvement programmes. Consultative Group of International Agricultural Research (CGIAR; in short CG) centres play an important role in conserving and distributing PGR through their genebanks. CG genebanks assembled the germplasm through collecting missions and acquisition the same from national genebanks of other countries. Using the Genesys Global Portal on Plant Genetic Resources, the World Information and Early Warning System (WIEWS) on Plant Genetic Resources for Food and Agriculture and other relevant databases, we analysed the conservation status of Indian-origin PGR accessions (both cultivated and wild forms possessed by India) in CG genebanks and other national genebanks, including the United States Department of Agriculture (USDA) genebanks, which can be considered as an indicator of Indian contribution to the global germplasm collection. A total of 28,027,770 accessions are being conserved world-wide by 446 organizations represented in Genesys; of these, 3.78% (100,607) are Indian-origin accessions. Similarly, 62,920 Indian-origin accessions (8.73%) have been conserved in CG genebanks which are accessible to the global research community for utilization in their respective crop improvement programmes. A total of 60 genebanks including 11 CG genebanks have deposited 824,625 accessions of PGR in the Svalbard Global Seed Vault (SGSV) as safety duplicates; the average number of accessions deposited by each genebank is 13,744, and amongst them there are 66,339 Indian-origin accessions. In principle, India has contributed 4.85 times the number of germplasm accessions to SGSV, in comparison to the mean value (13,744) of any individual genebank including CG genebanks. More importantly

  17. Operational risk and e-banking

    Şerbu, R.

    2010-12-01

    Full Text Available Banking involves a variety of risks. Under Basel II, the main risks are the monitored credit risk, market risk and operational risk. Frequently, operational risks are underestimated, considering that they would not affect the optimal activity of a bank. However, past experience of some credit institutions have shown that operational risk is an important cause of financial losses in the banking sector. Operational risk is generated by a complex of factors that manifests primarily as a result of direct customer interaction with the credit institution. In this context, the provision of e-banking services reduces direct contact with bank customers and thus reduces potential losses arising from operational risk. In sum, we consider it necessary to be aware of the link between operational risk and e-banking services promoted by banks and of the importance of this connection especially in a financial environment affected by the financial crisis.

  18. Green banking

    Maja Drobnjaković

    2013-06-01

    Full Text Available There is an urgent need to march towards “low - carbon economy”. Global challenges of diminishing fossil fuel reserves, climate change, environmental management and finite natural resources serving an expanding world population - these reasons mean that urgent action is required to transition to solutions which minimize environmental impact and are sustainable. We are at the start of the low - carbon revolution and those that have started on their low - carbon journey already are seeing benefits such as new markets and customers, improved economic, social and environmental performance, and reduced bills and risks. Green investment banks offer alternative financial services: green car loans, energy efficiency mortgages, alternative energy venture capital, eco - savings deposits and green credit cards. These items represent innovative financial products.

  19. Internet Banking System Prototype

    Alnaqeib, Rami; Jalab, Hamid A; Zaidan, M A; Hmood, Ali K

    2010-01-01

    Internet Banking System refers to systems that enable bank customers to access accounts and general information on bank products and services through a personal computer or other intelligent device. Internet banking products and services can include detailed account information for corporate customers as well as account summery and transfer money. Ultimately, the products and services obtained through Internet Banking may mirror products and services offered through other bank delivery channels. In this paper, Internet Banking System Prototype has been proposed in order to illustrate the services which is provided by the Bank online services.

  20. Collaborative Management of Risks and Complexity in Banking Systems

    Ion IVAN; Cristian CIUREA; Mihai DOINEA; Arthur AVRAMIEA

    2012-01-01

    This paper describes types of risks encountered in banking systems and ways to prevent and eliminate them. Banking systems are presented in order to have a view on banking activities and processes that generates risks. The risks in banking processes are analyzed and the collaborative character of risk management is highlighted. A way to control the risk in banking systems through information security is described. Risks arise from system complexity, thus evaluation and comparison of different...

  1. Internet Banking integration within the banking system

    Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

    2008-01-01

    Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture). SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system....

  2. Genetic diversity analysis of Capsicum spp germplasm bank accessions based on α/β-esterase polymorphism.

    Monteiro, E R; Bronzato, A R; Orasmo, G R; Lopes, A C A; Gomes, R L F; Mangolin, C A; Machado, M F P S

    2013-01-01

    Genetic diversity and structure were analyzed in 10 accessions belonging to Banco Ativo de Germoplasma de Capsicum located at Federal University of Piauí in northwestern Brazil that receives pepper samples grown in community gardens in various regions and Brazilian states. Selections were made from seeds of C. chinense (4 accessions), C. annuum (5 accessions), and C. baccatum (1 accession). Samples consisting of leaves were collected from 4-10 plants of each accession (a total of 85 plants). Native polyacrylamide gel electrophoresis was used to identify α- and β-esterase polymorphisms. Polymorphism was clearly detected in 5 loci. Sixteen alleles were found at 5 α/β-esterase loci of the three Capsicum species. In the C. chinense samples, the highest HO and HE values were 0.3625 and 0.4395, respectively, whereas in C. annuum samples, HO and HE values were 0.2980 and 0.3310, respectively; the estimated HO and HE values in C. chinense samples were higher than those detected in C. annuum samples. A deficit of homozygous individuals was found in C. chinense (FIS = -0.6978) and C. annuum (FIS = 0.7750). Genetic differentiation between C. chinense and C. annuum at these loci was high (FST = 0.1867) indicating that C. chinense and C. annuum are genetically structured species for α/β- esterase isozymes. The esterase analysis showed high genetic diversity among the C. chinense and C. annuum samples and very high genetic differentiation (FST = 0.6321) among the C. chinense and C. annuum samples and the C. baccatum accession. PMID:23661440

  3. Croatian banking sector research: relationship between ownership structure, concentration, owners’ type and bank performance

    Igor Tomičić

    2012-12-01

    Full Text Available Banks are important financial intermediaries of any national economy, and corporate governance has an important role in banking sector; especially due to processes of the globalization and the internationalization, and also because of the sensitivity of the activities between the interest groups. The objective of this paper is to examine the relationship between ownership structure, concentration, owners’ type and bank performance. The authors made a research of banks' ownership structure using publicly available data. Using statistical tools authors discovered relationships between bank ownership structure and bank performance indicators (average asset, total asset, average equity, profit (loss before taxes, profit (loss after taxes, ROAA, ROAE. Further they discuss the relationships between ownership structure and a number of consequences for the bank performance. The authors discovered significant correlation between bank ownership structure and performance indicators variables that are described in the paper.

  4. Monitoring bank erosion at the Locke Island Archaeological National Register District: Summary of 1996/1997 field activities

    Nickens, P.R. [ed.; Bjornstad, B.N.; Nickens, P.R.; Cadoret, N.A.; Wright, M.K.

    1998-08-01

    Locke Island is located in the Columbia River in south-central Washington. The US Department of Energy (DOE) owns Locke Island as part of its Hanford Site. In the 1960s and 1970s, as a result of intensive irrigation developments on the inland shoreline to the east of the island, the White Bluffs, which form the eastern boundary of the Columbia River channel in this area, began to show geological failures as excess irrigation water seeped out along the bluffs. One of the largest such failures, known as the Locke Island Landslide, is located just east of Locke Island. By the early 1980s, this landslide mass had moved westward into the river channel toward the island and was diverting the current at the island`s eastern perimeter. Erosion of the bank in the center of the island accelerated, threatening the cultural resources. By the early 1990s, the erosion had exposed cultural features and artifacts along the bank, leading to the beginning of intermittent monitoring of the cutbank. In 1994, DOE initiated more scheduled, systematic monitoring of island erosion to better understand the physical processes involved as well as mitigate ongoing loss of the archaeological record.

  5. The Effect of Market Power on Stability and Performance of Islamic and Conventional Banks

    Mirzaei, Ali

    2011-01-01

    Bank-level panel data are used to test the effects on risk and returns, of market power, banking and bank-environment activities with respect to a total of 175 Islamic and conventional banks in 12 Middle Eastern countries. By incorporating the traditional SCP and the RMP hypotheses, I assess the relatively high bank returns in Islamic banking system. The results indicate that Islamic banking systems are generally biased toward the RMP hypothesis, but there is evidence that supports the tradit...

  6. Denying Foreign Bank Entry: Implications For Bank Interest Margins

    Ross Levine

    2003-01-01

    This paper examines the impact of restricting foreign bank entry on bank net interest margins while controlling for (a) impediments to domestic bank entry, (b) the degree of foreign bank ownership of the domestic banking industry, (c) an array of bank-specific characteristics, (c) banking sectorconcentration, and (d) various country traits. Using data on almost 1200 banks across 47 countries, the results suggest that restricting foreign bank entry boosts bank net interest margins. Also, restr...

  7. A new method to select the drought resistance azuki bean germplasm

    Chen Xin; Peerasak Srinives

    2006-01-01

    120 azuki bean germplasms from different regions of China were selected for drought-resistance. Results showed that there is a significant positive correlation between drought-resistance and photooxidation-resistance. So, the detecting technique for photooxidation-resistance should be suggested as a reference method to select the drought-resistance germplasms in azuki bean.

  8. PEDIGREE AND DNA MARKER ANALYSIS OF BLAST RESISTANCE GENES IN US RICE GERMPLASM

    Blast resistance genes have been effectively used in southern US rice germplasm to reduce crop losses from this serious disease threat. Historical records indicate the most common blast resistance genes in USA rice germplasm are Pi-z and Pi-ks in medium grain and Pi-kh and Pi-ta2 in long grain varie...

  9. Field evaluation of anthracnose resistance for sorghum germplasm from the Sikasso region in Mali

    The USDA, ARS National Plant Germplasm System maintains 132 sorghum landraces from the Sikasso region of Mali. This germplasm was inoculated with Colletotrichum sublineolum and evaluated for foliar anthracnose resistance at the USDA, ARS Tropical Agriculture Research Station in Isabela, Puerto Rico...

  10. Assessment of genetic diversity and anthracnose disease response among Zimbabwe sorghum germplasm.

    The USDA-ARS National Plant Germplasm System maintains a Zimbabwe sorghum collection of 1,235 accessions from different provinces. This germplasm has not been extensively employed in U.S. breeding programs due to the lack of phenotypic and genetic characterization. Therefore, 68 accessions from th...

  11. Spacial analysis of avocado sunblotch disease in an avocado germplasm collection

    The first visual symptoms of Avocado Sunblotch Viroid (ASBVd) were observed in a few plants of avocado (Persea americana Mill.) in the germplasm collection at the National Germplasm Repository at Miami in the early 1980s. However, the extent of the infection was unknown because infected trees can re...

  12. The effect of socio-economic and demographic factors of Turkish provincies on the number of active customers using internet banking

    Aykut Arslan

    2012-07-01

    Full Text Available Despite the recent improvements in Internet Banking or Online Banking, there are still some constraints, mainly security related issues and some other factors, which contribute to the hesitations of individuals’ Internet Banking adoption. Instead of widely used behaviorist models our study utilizes panel data and explores why Internet Banking is very common in some Turkish provinces but not in the others. To investigate the relationship among the data we employed correlation statistics and to study the differences better in Internet Banking adoption among the provinces we used Mann-Whitney U non-parametric statistical analyses.

  13. Pengaruh Kualitas Layanan Mobile Banking (M-Banking) Terhadap Kepuasan Nasabah di Indonesia [Effect of Mobile Banking (M-Banking) Service Quality on Customer Satisfaction in Indonesia

    Aditya Wardhana

    2015-01-01

    The research aim was to assess the influence of the service quality of mobile banking (m-banking) against customer satisfaction at the greatest banks in Indonesia. Elements of the quality of mobile banking services (m-banking) were speed, security, accuracy, and trust. The population of this study was bank customers from eight of the greatest bank in Indonesia -- Bank Mandiri, Bank BRI, Bank BCA, Bank BNI, Bank CIMB Niaga, Bank Danamon, Bank Permata, and Bank Panin -- who used mobile banking ...

  14. Bank Resolution in Europe

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    Bank resolution is a key pillar of the European Banking Union. This column argues that the current structure of large EU banks is not conducive to an effective and unbiased resolution procedure. The authors would require systemically important banks to reorganise into a ‘holding company’ structure...

  15. Flavonoids and antioxidant activity of flowers of Mexican Crataegus spp.

    García-Mateos, Rosario; Aguilar-Santelises, Leonor; Soto-Hernández, Marcos; Nieto-Angel, Raúl

    2013-01-01

    Flavonoids and antioxidant activity of extracts of flowers from some Mexican accessions of Crataegus were studied using six accessions with the purpose of contributing to the knowledge of the nutraceutical properties of the accessions of the Germplasm Bank of the Universidad Autonoma Chapingo. Flavonoids were identified by HPLC-MS. Among the flavonoids, the quercetin 3-O-glucoside (3), quercetin 3-O-rhamnoside (4), quercetin 3-O-rhamnosyl-(1 → 6)-glucoside (2) and quercetin 3-O-rhamnosyl-(1 → 2)-[rhamnosyl-(1 → 6)]-glucoside (1) were assigned. Flavonoid content and radical scavenging activity explain some of the medicinal properties attributed to flowers of Mexican hawthorns. PMID:22799569

  16. Shadow banking: a review of the literature

    Adrian,Tobias; Ashcraft, Adm B.

    2012-01-01

    We provide an overview of the rapidly evolving literature on shadow credit intermediation. The shadow banking system consists of a web of specialized financial institutions that conduct credit, maturity, and liquidity transformation without direct, explicit access to public backstops. The lack of such access to sources of government liquidity and credit backstops makes shadow banks inherently fragile. Much of shadow banking activities is intertwined with the operations of core regulated insti...

  17. Internationalization of banks : The consumer perspective

    Olsson, Kristina; Gankhuyag, Tsolmon

    2008-01-01

    Increased deregulation, cross-border activities of non-financial companies and improved information communications technology led to an increased consolidation of financial institutions across borders. Commercial banking sector in particular, have witnessed trenmendous amount of cross-border bank merger and acquisitions’ (M&As) deals through out the recent years. The reasons behind cross-border bank M&As are examined from different theoritical perspectives, such as a mode of entry int...

  18. Coordination of banking regulation in the EU

    Nedelchev, Miroslav

    2015-01-01

    The formation of international banking groups was stimulated by pan-European policies. The emergence of sophisticated to regulate organizational structures and provision of difficult to control financial services hampered the exercise of effective banking supervision. The situation in the banking market significantly ahead in time the adaptation of supervisory framework for the expansion of activities abroad and entering into other financial sectors. The regulation policies remained into the ...

  19. Financial intermediation beyond the banks: recent developments

    Clive Thorp

    2003-01-01

    The New Zealand financial system is dominated by banks, whose assets are well over 90 per cent of those of all deposit-taking institutions. Banking groups also own funds management businesses with more than a quarter of all funds under management. However, the activities of savings institutions, finance companies, the non-institutional market and independent fund managers are important, not withstanding their relatively reduced role. This article discusses developments in non-bank financial i...

  20. Customer satisfaction management in Italian banks

    L. Bajetta; F. Ielasi; L Munari

    2013-01-01

    Purpose – The purpose of this paper is to present the results of a survey that aimed to analyse the state of organisational and operative evolution of the functions and activities overseeing customer satisfaction in Italian banks. Design/methodology/approach – The research was conducted by questionnaire, to which 92 banks responded, representative of 77 per cent of the total assets of the Italian banking system. Findings – The analysis of the results makes it possible to highli...

  1. Nutritional Value Evaluation of Saccharum spontaneum L. Germplasm Resources

    Jianle LIU; Changjun BAI; Linling YAN; Shimeng CHEN; Yu ZHANG; Hubiao YANG

    2014-01-01

    The contents of dry matter, crude fat, crude protein, neutral detergent fiber, acid detergent fiber, crude ash, Ca and P in 43 Saccharum spontaneum L. germplasms during the vegetative period were determined. Among them, the crude protein, crude fat, neutral detergent fiber, acid detergent fiber, P and Ca contents were treated as the judging indicators. The nutritional value evaluation was carried out with the analytic hierarchy process (AHP). The results showed A49 (Guangxi) had the highest nutritional value. Its dry matter, crude protein, crude fat, crude ash, neutral detergent fiber, acid detergent fiber, Ca and P contents were 32.35%, 7.20%, 4.06%, 8.07%, 75.81%, 50.72%, 0.23% and 0.16% respectively. While A3 (Guangdong) had the lowest nutritional value. Its dry matter, crude protein, crude fat, crude ash, neutral detergent fiber, acid detergent fiber, Ca and P contents were 32.24%, 4.62%, 0.51%, 6.38%, 46.40%, 40.02%, 0.15% and 0.09% respectively. The crude protein content differed significantly among different germplasms. A48 had the highest crude protein content (9.11%), and A14 had the lowest crude protein content (3.72%). Based on the evaluation results, the 43 Saccharum spontaneum L. germplasms were divided into 3 groups: high-nutritional value type, moderate-nutri-tional value type and low-nutritional value type. We hoped to provide a theoretical reference for the application of Saccharum spontaneum L. as a forage grass.

  2. 12 CFR 583.3 - Bank.

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Bank. 583.3 Section 583.3 Banks and Banking... AND LOAN HOLDING COMPANIES § 583.3 Bank. The term bank means any national bank, state bank, state-chartered savings bank, cooperative bank, or industrial bank, the deposits of which are insured by...

  3. Six Dimension Strategy As A Basis Of Banking Standard Contract

    Wulanmas Frederik

    2012-01-01

    Full Text Available Indonesia banking based on Article 4 of Act No.10, 1998, aims at supporting the implementation of national development in order to improve equity, economic growth and national stability in the direction of improving people’s welfare. Therefore, to show how important is banking role in supporting the implementation of development, the 6 (six Strategic Dimensions as the foundation of Banking Standards Contract are: (1. Prudent Banking Supervision and Good Corporate Governance (GCG in banking activities, (2. Refunctionalization the principle of Contract Law in Banking Standards Contract, (3. Ethics Value in Business, (4. The Act No. 8, 1999 on Consumer Protection, (5. Enforcement of Human Rights Principles in banking activities, (6. Abuse of Circumstances implementations (Misbruik van Omstandigheden in banking Contract. Based on the 6 (six Strategic Dimension as the foundation of Banking Standard Contract, it will undoubtedly create justice, equity and assurance of the rights and obligations of the parties framed in the contractual and law bonds.

  4. Oman; Banking Sector Resilience

    Ananthakrishnan Prasad; Pierluigi Bologna

    2010-01-01

    This note assesses the impact of the global financial risks on Oman's banking system and highlights the remaining risks. It concludes that the liquidity and prudential measures introduced by the authorities mitigated the adverse effects of the crisis on the banking system. Banks continue to make profits despite higher provisioning. Stress tests confirm the resilience of the banking system to credit and market risks. Banks have limited exposure to derivatives and the majority of the off-balanc...

  5. Essays on banking

    Tumer-Alkan, G.

    2008-01-01

    The banking literature documents various roles for banks in financial systems. Banks are both ‘liquidity providers’ and ‘information producers’. Banks are especially important for small and medium-size enterprises and represent these firms' principal source of external finance. Hence, the banks’ role is relevant for the smooth functioning and growth of an economy as well. Moreover, when banks and firms enter into a relationship, they are able to overcome problems of asymmetric information and...

  6. Banking Around the World

    2011-01-01

    Chinese banks expands its "going out" strategy but faces challenges in establishing a presence in foreign markets The world’s biggest lender by market value, the Industrial and Commercial Bank of China (ICBC), and the Hong Kong-based Bank of East Asia signed an agreement in which ICBC would pay $140.23 million to buy an 80-percent inter- est in Bank of East Asia USA, the Hong Kong bank said on January 23.

  7. Banking service in Germany

    余璐

    2014-01-01

    <正>Germany is the prototypical economy country.Banks in Germany’s economic life plays a very important role.Germany has a large number of Banks and very dense network of bank branches.Deutsche Bank is by far the biggest German bank and Commerzbank is the second biggest.But with all the economic turmoil in the world these days,such rankings can change within

  8. Bank branches in supermarkets

    Lawrence J. Radecki; John Wenninger; Daniel Orlow

    1996-01-01

    The largest U.S. commercial banks are restructuring their retail operations to reduce the cost disadvantage resulting from a stagnant deposit base and stiffer competition. As part of this effort, some banks are opening "supermarket," or "in-store," branches: a new type of banking office within a large retail outlet. An alternative to the traditional bank office, the supermarket branch enables banks to improve the efficiency of the branch network and offer greater convenience to customers.

  9. Bank Profitability during Recessions

    Wilko Bolt; Leo de Haan; Marco Hoeberichts; Maarten van Oordt; Job Swank

    2010-01-01

    This paper estimates the relation between bank profitability and economic downturns using a theoretical model that takes into account the bank's lending history as well as amortization and losses on outstanding loans. We focus on total bank profits and its components: net interest income, other income, and net provisioning plus other costs. Using both aggregate and individual bank panel datasets, our results confirm that pro-cyclicality of bank profits is stronger for deep recessions than dur...

  10. Norges Bank Watch 2008

    Juel, Steinar; Molnar, Krisztina Molnar; Røed, Knut

    2008-01-01

    Norges Bank has gone a long way in being open about its decisions and it is one of the most transparent central banks; this report makes a few recommendations about further improving the bank in this respect. Since Norges Bank already has a history of many years of transparency about its decisions and the principles used to make these decisions, it is possible to make a retrospective analysis and evaluate the bank. We think that evaluating and discussing the monetary policy of ...

  11. Selling Failed Banks

    Joao Granja; Gregor Matvos; Amit Seru

    2014-01-01

    We study the recent episode of bank failures and provide simple facts to better understand who acquires failed banks and which forces drive the losses that the FDIC realizes from these sales. We document three distinct forces related to the allocation of failed banks to potential acquirers. First, a geographically proximate bank is significantly more likely to acquire a failed bank: only 15% of acquirers do not have branches within the state. Sales are more local in regions with more soft inf...

  12. Outsourcing central banking

    Khoury, Sarkis Joseph; Wihlborg , Clas

    2005-01-01

    The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervision can be "outsourced" in an open economy with substantial foreign direct investment (FDI) in the banking sector if political nationalism does not trump economic rationality. An orthodox CB renders the central banking function redundant in terms of interest rate and exchange rate determination. FDI in banking could...

  13. Understanding Banking Sector Globalization

    Linda S. Goldberg

    2009-01-01

    This article profiles the recent evolution and consequences of banking sector globalization. After presenting trends in international banking, the article overviews macroeconomic consequences of banking sector globalization, including the role of banks in the international transmission of shocks, comovements of business cycles, financial crises, and economic growth. Other consequences of banking globalization have parallels with the effects of real-side foreign direct investment, including te...

  14. DEVELOPING THE iPBS STRATEGY FOR YAKON GERMPLASM EVALUATION

    Jana Žiarovská; Eloy C. Fernández; Milan Bežo

    2013-01-01

    Two yacon varieties PER05 and ECU45 were used for iPBS method developing for yacon - Smallanthus sonchifolius, (Poepp. et Endl.) germplasm evaluation. Because of high level of polyphenols in yacon, four DNA extraction methods were tested for the best results in the iPBS method. Using a set of universal primers that anneal to the conserved regions of retrotransposons, polymorphism of amplified fragments of DNA was analysed and for the development of iPBS protocol primers that produce PCR fragm...

  15. Acquirement of a new male sterile germplasm of Chinese jujube

    WANG Jiurui; LIU Ling; LIU Mengjun; ZHOU Junyi

    2007-01-01

    A male sterile germplasm of Chinese jujube(Ziziphus jujuba Mill.),named 'male sterile No.1'(JMS1),was firstly identified from a natural population through studies of pollen amount and vitality and its anatomy.Its microspores got massed and then disaggregated after the tetrad stage during pollen development.Then its anthers became empty,or only pollen vestiges remained in the yellow buds.The pollen became abortive after the tetrad stage.Hypertrophy and hyperplasia of tapetum at the tetrad stage were related to pollen abortion.In view of its moderate could be used as a worthwhile female parent in the cross breeding of Chinese jujube.

  16. Analyzing Factors Influencing Virtual Bank Acceptance as New Generation of e-Banking

    Ali Sanayei

    2014-01-01

    Electronic banking is one of the electronic commerce tools that has been accepted by the banking industry. Development of electronic banking activities based on information and communication technology has caused the emergence of another type of bank, which is called virtual bank that performs its products and services through electronic distribution channels without branch. Due to the differences between virtual bank and electronic banking and the importance of virtual bank activities in the banking system, the aim of this study is to analyze factors influencing on acceptance of virtual bank in Iran. For this purpose, Technology Acceptance Model (TAM has been considered as the main model and in addition to perceived benefits and perceived ease of use, trust, government support and advertising have been also studied. An electronic questionnaire has been designed and the statistical population included Iranian electronic citizens that had received and completed the questionnaire via email in three months period. The results of analyzing 247 questionnaires imply that the perceived benefits, trust and government support have influence on acceptance of virtual bank. Also the effect of perceived ease of use on perceived benefits and trust is confirmed. Finally, some suggestions for future research have been presented.

  17. Analysis of Customer Mindset Change and Accounting Practice of Garbage Bank as Medium of Edupreneurship a Study on Garbage Bank of Badegan, Indonesia

    Purwaningsih, Anna

    2015-01-01

    This study aims to (1) determine whether there is a change in the individual mindset associated with garbage bank existence and (2) determine the accounting practices in Garbage Bank of Badegan (GBB). Garbage bank is the manifestation of public awareness to actively address the issue of garbage management today. Thus, garbage bank is medium for communal education and entrepreneurship. Its concept basically adopts bank concept. It is not the money which is saved but garbage. Garbage bank also ...

  18. Quality system in Malaysian National Tissue Bank

    Quality System in Malaysian National Tissue Bank is based on the Quality Manual which has been drawn up by the chairman, who is the Dean, School of Medical Sciences. The Quality Manual include general standard for Tissue Banking in University Science of Malaysia which describe and explain a set of general standard similar to the EATB standard. The primary aim of the quality system is to produce a safe and effective tissue graft for successful clinical use and to ensure the safety of tissue bank operators. The Quality Manual also related the role of a Technical Manual, which explain the standard of technical aspect of tissue bank in a Quality Assurance. The safe working environment and Good Laboratory Practice is highlight in Quality System. Documentation of tissue bank activities is the key to the administration to tissue bank. Finally Quality System in tissue banking will never be complete without a Tissue Bank Auditing System which allow the tissue bank coordinator and staff to look into the problem and further enhance the progress of the tissue bank

  19. Medium- and long-term storage of the Pycnanthemum (mountain mint) germplasm collection.

    Jenderek, Maria M; Holman, Gregory E; DeNoma, Jeanine; Reed, Barbara M

    2013-01-01

    The United States of America collection of mountain mint (Pycnanthemum Michx.) is held at the USDA-ARS National Clonal Germplasm Repository (NCGR) in Corvallis, Oregon as seed, potted plants and tissue cultures and a long-term storage collection is preserved at the USDA-ARS National Center for Genetic Resources Preservation (NCGRP) in Fort Collins, Colorado. The clonal collection is comprised of 34 accessions as potted plants that are duplicated with 31 accessions stored as in vitro cultures at 4 degrees C in tissue culture bags for medium-term storage at NCGR and as cryopreserved shoot tips in liquid nitrogen at NCGRP for long-term storage. This study reports on these two models of preservation of mountain mint at the U.S. National Plant Germplasm System. In vitro plants required 2 to 7 months for propagation on MS medium without growth regulators before storage at 4 degrees C. Plants remained in storage with good vigour in bags on 1/2x nitrogen MS medium without growth regulators for a mean of 2.08 y. An encapsulation-dehydration protocol was successful for cryopreservation of shoot tips from cold acclimated in vitro plants. Post-cryo viability, indicated by shoot tips with developed leaves and roots, ranged from 60 to 100 % for 27 accessions and 40 to 50 % for the other four. The encapsulation-dehydration cryopreservation method proved suitable for long-term preservation of the 31 Pycnanthemum accessions. These alternative storage forms allow for active use of the collection as well as base storage for clonally propagated accessions. PMID:24448768

  20. The Present Requirements on Bank Prudence. Publicity Requirements and Sanctions

    Gheorghe Carmen Adriana

    2012-01-01

    Requirements on banking activity impose regulation of specific issues concerning both the authorisation and the operation, and also ceasing the bank activity. This enforcement originates from the objectives pursued by the National Bank of Romania as own policy, but also as a separate member of the European financial structures. The analysis aims to identify, without exhaustive study, the intrinsic correlations of essential notions for banking field - prudence, prudential supervision, internat...

  1. The ENZYME data bank.

    Bairoch, A

    1994-01-01

    The ENZYME data bank is a repository of information relative to the nomenclature of enzymes. It is primarily based on the recommendations of the Nomenclature Committee of the International Union of Biochemistry and Molecular Biology (IUBMB) and it contains the following data for each type of characterized enzyme for which an EC (Enzyme Commission) number has been provided: EC number Recommended name Alternative names (if any) Catalytic activity Cofactors (if any) Pointers to the SWISS-PROT protein sequence entrie(s) that correspond to the enzyme (if any) Pointers to human disease(s) associated with a deficiency of the enzyme (if any). PMID:7937072

  2. Estimation of pedigree based diversity in Pakistani wheat (Triticum aestvium L. germplasm

    Saeed Rauf

    2012-04-01

    Full Text Available Pedigree based diversity among Pakistani wheat germplasm was estimated to formulate future strategies for germplasm enhancement. Pakistani wheat germplasm was judged on several criteria, i.e., contribution of land races per cultivar, total number of unique land races utilized during particular decade, proportion of unique land races to the total land races, pedigree distance between the cultivar of various decades. Introduction of CIMMYT material did not resulted in the loss of diversity, it actually increased over time. Introduced germplasm from CIMMYT had more total and unique number of land races in their pedigree. Proportion of unique land races to the total utilized land races decreased. However, it was restored and surpassed to that of pre green revolution period during 1991-2000. Little efforts were carried out for the introgression of useful traits in indigenous pre green revolution germplasm. Resultantly, distance between the local and introduced germplasm increased with varieties released in various decades of previous century. In future, it seems that conventional introductions would continue to come from CIMMYT and diversity of Pakistani wheat germplasm will be regulated by the efforts at CIMMYT.

  3. Methods of Analysis of Electronic Money in Banks

    Melnychenko Oleksandr V.

    2014-03-01

    Full Text Available The article identifies methods of analysis of electronic money, formalises its instruments and offers an integral indicator, which should be calculated by issuing banks and those banks, which carry out operations with electronic money, issued by other banks. Calculation of the integral indicator would allow complex assessment of activity of the studied bank with electronic money and would allow comparison of parameters of different banks by the aggregate of indicators for the study of the electronic money market, its level of development, etc. The article presents methods which envisage economic analysis of electronic money in banks by the following directions: solvency and liquidity, efficiency of electronic money issue, business activity of the bank and social responsibility. Moreover, the proposed indicators by each of the directions are offered to be taken into account when building integral indicators, with the help of which banks are studied: business activity, profitability, solvency, liquidity and so on.

  4. Essays in Banking and Corporate Finance

    T. Wang (Teng)

    2015-01-01

    markdownabstract__Abstract__ This dissertation bundles three empirical studies in the area of corporate finance and banking. These studies investigate corporates’ financing activity with a special focus on the interaction between the banking industry and corporate borrowers. By showing how changes

  5. Recent trends in commercial bank loan sales

    Rebecca Demsetz

    1993-01-01

    The dollar volume of commercial bank loan sales rose rapidly in the mid-1980s but has declined equally rapidly over the past few years. This article provides insight into these loan sales trends by looking beyond the aggregate data and separately examining the sales activities of the largest loan sellers and those of all other banks.

  6. Were Universal Banks More Vulnerable to Banking Failures? Evidence From the 1931 German Banking Crisis

    Adalet, Müge

    2009-01-01

    This paper examines the 1931 German banking crisis using a bank-level data set. It specifically focuses on the link between banking structure and financial stability. The universality of banks, a key characteristic of the German banking system, is shown to increase the probability of bank failure after controlling for other bank-level characteristics and macroeconomic variables.

  7. Methods of Payment to Banks:e- Banking. Comparative Study on Three Banks

    Miranda Petronella VLAD; Mariana Rodica TIRLEA

    2012-01-01

    E-banking website, majority offers the banks. At first it was electronic-banking, Internet-banking followed, followed by mobile-banking service. These services offer the same facilities, Customer Bank just that varies the channel used for communication with the Bank. The services offered by banks through E-banking, approves: compilation of orders; scheduled payments; orders for payment of wages; internal transfers; pay rates on internal or external; currency exchanges; view balances of accoun...

  8. Idea Bank.

    Science Teacher, 1990

    1990-01-01

    Eight activities for use in the science classroom are presented. Included are insect collecting, laboratory procedures and safety, recycling, current events, variable manipulation, scientific method, electricity, and mechanics (Newton's Second Law of Motion). (KR)

  9. REFORM, ORGANISATION AND CONSOLIDATION OF THE ROMANIAN BANKING SYSTEM

    ION Gr. IONESCU

    2012-01-01

    Full Text Available Banking system, making the economic environment and the resources it provides, the subsystem consists of macro economic and social. He is in continuous interaction with the economic environment, which takes "input" in various forms - human, financial, information they process into "outputs" - products and banking services, financial derivatives used in banking, financial and banking information, etc. In other words, and the banking system is now an open system. What is specific to open systems, and hence the banking system is that it regulates activity by reverse connection (feed back, so they are capable of self.

  10. Internet Banking

    Felician ALECU

    2009-01-01

    Σκοπός της εργασίας είναι η μελέτη της Τραπεζικής του Διαδικτύου. Ειδικότερα η διερεύνηση των μελλοντικών εξελίξεων του Internet Banking αλλά και των επιπτώσεων που αναμένεται να επιφέρει η περαιτέρω ανάπτυξή του στην παραδοσιακή Τραπεζική και τον ευρύτερο Τραπεζικό και χρηματοοικονομικό τομέα. Η εργασία είναι οργανωμένη σε τρεις θεματικές ενότητες-κεφάλαια. Στο πρώτο κεφάλαιο γίνεται αναφορά σε θεμελιώδη θέματα που αφορούν την Τραπεζική του Διαδικτύου. Πέρα από τους ορισμούς των Τραπεζικ...

  11. Impact of Electronic Banking Innovations on Bank Deposit Market Share

    Kashmari A; Nejad AHG; Nayebyazdi A

    2016-01-01

    Development and diversity of electronic banking services is one of the aspects of financial innovation of banks. In Iran’s banking system, the development of multiple channels representing electronic banking services such as SWIFT system, ATM, POS, PIN pads, internet banking, mobile banking and telephone banking are made for more facility in paying money, so today, the development of this channels is one of the most competitive areas between banks for attracting resources. The main purpose of...

  12. Banking Postal Savings Bank in Sight

    WANG PEI

    2006-01-01

    @@ Nine years of controversy regarding a national postal savings bank is expected to finally conclude this year. In April, the China Banking Regulatory Commission (CBRC)announced the establishment of a new department, one of the main functions of which will be to supervise postal savings.

  13. Kewenangan Bank Indonesia Dalam Likuiditas Bank Umum

    Silvana R

    2008-01-01

    Perbankan merupakan pokok dari sistem keuangan setiap negara, karena perbankan merupakan salah satu motor penggerak pembangunan seluruh bangsa. Krisis perbankan berdampak pada turunnya kepercayaan masyarakat terhadap industri perbankan. Berbagai masalah di sektor perbankan yang tidak terdeteksi secara dini akan mengakibatkan runtuhnya kepercayaan masyarakat terhadap industri perbankan, Skripsi mi mengemukakan bagaimana penilaian kesehatan bank umum yang dilakukan oleh Bank Indonesia, bagai...

  14. ESSENTIAL PRACTICE OF SYSTEMICALLY IMPORTANT BANKS REGULATION

    V. Trokhymenko

    2014-12-01

    Full Text Available The paper analyzes specific features of establishment of new regulatory standards of systemically important banks as one of the most priority directions of post-crisis improvement of supranational financial regulation. The essense of active and prearranged initiatives to secure constant activity of global and domestic powerful super-big banking institutions is investigated as well as some approaches as to recovery measures implementation without involvement of taxpayers' funds in case of their financial failure are considered. In particular, the main points are focused on introduction of additional requirements to the sufficiency of capital of global systemically important banks, development of the regulatory mechanisms of domestic systemically important banks by domestic authorities taking into account the specific peculiarities of certain national economies, structural reforms as to separation of traditional banking from the securities transactions for the depositors protection (Volcker rule, USA; Vickers rule, UK, establishment of the Single Supervisory Mechanism for the Eurozone banks, and declaration of necessity to form the Single mechanism for bank bankruptcy resolution etc. Some proposals concerning transformation of domestic system of financial regulation and supervision in Ukraine, like strengthening control of systemically important banks activity and introduction of mega-regulator model are characterized.

  15. FOREIGN BANKS WELCOMED

    2007-01-01

    Honoring its WTO commitments, China has begun to allow local incorporation by foreign banks, endowing them with the same status as their Chinese counterparts in an attempt to encourage diversified development in the Chinese banking sector On March 18, Wi

  16. GenBank

    U.S. Department of Health & Human Services — GenBank is the NIH genetic sequence database, an annotated collection of all publicly available DNA sequences. GenBank is designed to provide and encourage access...

  17. Commercial Banks Performance 2008–2012

    Simona Vidzbelytė

    2013-09-01

    Full Text Available A country’s image, economic development process and GDP growth is significantly influenced by its banking sector performance. Banking’s success largely depends on public confidence. Only a small part of the banking services customers understand the indicators and ratios which are used to assess bank’s activities. Therefore, there is a need to analyze banks performance results in Lithuania. The paper presents a principal component analysis model applied on banks performance ratios in Lithuania. The main purpose of this article is to analyze basic indicators used in banks performance evaluation by principal component method. The obtained results represent the main components with the highest influence on Lithuanian commercial banks performance results in 2008–2012 year period. The main findings of the study indicate that commercial banks in Lithuania have been affected by different factors during 2008–2012 periods. It has been noted that Scandinavian capital commercial banks‘ performance results have been influenced by similar factors, have had similar structure of the factors, which has been more stable in comparison with small and/or Lithuanian capital banks. Conclusions and recommendations help banks’ board to improve their competitiveness and financial results, thus it also helps them to make appropriate decisions. It is also useful for an academic community to understand the structure of main components in banking sector.

  18. Idea Bank.

    Science Teacher, 1989

    1989-01-01

    Describes classroom activities and models for migration, mutation, and isolation; a diffusion model; Bernoulli's principle; sound in a vacuum; time regression mystery of DNA; seating chart lesson plan; algae mystery laboratory; water as mass; science fair; flipped book; making a cloud; wet mount slide; timer adaptation; thread slide model; and…

  19. Idea Bank.

    Science Teacher, 1987

    1987-01-01

    Describes four classroom activities that deal with a variety of scientific concepts. Discusses lessons on the cycles of matter in ecosystems, the calculation of the height of tall objects, bleaching techniques for bones, and the effects of force on sound when closing doors. (TW)

  20. Idea Bank.

    Science Teacher, 1986

    1986-01-01

    Provides descriptions of activities and programs that have been successful with secondary science students. Includes ideas related to repairing radio-controlled cars, cooperative science-library center, observation exercises, recordkeeping skills and peer grading, DC power supply, chemistry of poison ivy, spore science, and a tic-tac-toe review…

  1. Bank Funding Modes

    Stuart I. Greenbaum; Anjan V. Thakor

    2004-01-01

    We examine a bank's choice of whether to fund the loans it originates by emitting deposits or to sell the loans to investors. With common knowledge of loan quality and laissez faire banking, we find that the choice is irrelevant. With asymmetric information but without government intervention, we find that better quality assets will be sold (securitized) and poorer quality assets will be funded with deposits. Public regulation can influence the bank's choice; subsidies can cause a bank to fav...

  2. Framing a Bank

    Holmgreen, Lise-Lotte

    2012-01-01

    Danish bank, Danske Bank, during the 2008 financial crisis and hence in shaping its image projected to the public. Through the study of a number of semantic frames adopted by the Danish print press and those adopted by the Bank, this article will argue for the constructions of the press putting...... considerable strain on the Bank and its image, leading it to reconsider its previous strategy of denial of responsibility...

  3. Securitization and Bank Performance

    Casu, B; Clare, A; Sarkisyan, A.; Thomas, S.

    2013-01-01

    Using predominantly precrisis U.S. commercial bank data, this paper employs a propensity score matching approach to analyze whether individual banks did improve their performance through securitization. On average, our results show that securitizing banks tend to be more profitable institutions, with higher credit risk exposure. Despite a more diversified funding structure, they face higher funding costs. We also find that securitizing banks tend to hold larger and less diversified loan portf...

  4. The Shanxi Banks

    Randall Morck; Fan Yang

    2010-01-01

    The remote inland province of Shanxi was late Qing dynasty China's paramount banking center. Its remoteness and China's almost complete isolation from foreign influence at the time lead historians to posit a Chinese invention of modern banking. However, Shanxi merchants ran a tea trade north into Siberia, travelled to Moscow and St. Petersburg, and may well have observed Western banking there. Nonetheless, the Shanxi banks were unique. Their dual class shares let owners vote only on insiders'...

  5. Early public banks

    Roberds, William; Velde, François R.

    2014-01-01

    Publicly owned or commissioned banks were common in Europe from the fifteenth century. This survey argues that while the early public banks were characterized by great experimentation in their design, a common goal was to create a liquid and reliable monetary asset in environments where such assets were rare or unavailable. The success of these banks was however never guaranteed, and even well-run banks could become unstable over time as their success made them susceptible to fiscal exploitat...

  6. Audit of a bank

    Ambros, Lukáš

    2012-01-01

    The goal of my thesis "Audit of a bank" is to identify and describe the area of external and internal audit in banking and to focus on specifics of bank audit in comparison to external audit of commercial enterprise. The first part is focused on audit of financial statements. In the second part are described the specifics of banking segment. Third part describes internal audit and cooperation between external and internal audit. In the last part there are described methods applied during the ...

  7. Boards of Banks

    Daniel Ferreira; Tom Kirchmaier; Daniel Metzger

    2011-01-01

    We show that country characteristics explain most of the cross-sectional variation in bank board independence. In contrast, country characteristics have little explanatory power for the fraction of outside bank directors with experience in the banking industry. Exploiting the time-series dimension of the sample, we show that changes in bank characteristics are not robustly associated with changes in board independence, while changes in board experience are positively related to changes in ban...

  8. LIMITS AND VULNERABILITIES OF BANKING PROFITABILITY INDICATORS DURING THE FINANCIAL CRISIS

    TEODORA CRISTINA BARBU; IUSTINA ALINA BOITAN

    2012-01-01

    Bank performance measurement, as an expression of banks’ ability to generate sustainable profits, is a topic of major interest, located in the core of all categories of participants involved in the banking business: banking supervisory authorities, rating agencies, shareholders, investors and analysts of banking activity. Recent developments in bank profitability during the global financial crisis have highlighted a number of limitations of traditional banking performance measurement indicato...

  9. Modelling and measuring business risk and the resiliency of retail banks

    Chaffai, Mohamed; Dietsch, Michel

    2014-01-01

    The recent banking crisis has revealed the existence of strong resiliency factors in the retail banking business model. On average, retail banks suffered less than other financial institutions from unexpected market changes. This paper proposes a new methodology to measure retail banks' business risk, which is defined as the risk of adverse and unexpected changes in banks' profits coming from sudden changes in the banks' activities. This methodology is based on the efficiency frontier methodo...

  10. Mobile banking in Asia

    Anne Ho

    2010-01-01

    Technology has transformed the banking industry with the introduction of mobile banking services that offer unprecedented convenience and accessibility to customers. This Asia Focus report describes the various approaches to mobile banking in Asia, and examines how particular countries have addressed regulatory issues.

  11. Commercial Banking Industry Survey.

    Bright Horizons Children's Centers, Cambridge, MA.

    Work and family programs are becoming increasingly important in the commercial banking industry. The objective of this survey was to collect information and prepare a commercial banking industry profile on work and family programs. Fifty-nine top American commercial banks from the Fortune 500 list were invited to participate. Twenty-two…

  12. Banks on Notice

    2009-01-01

    Regulators issue policies to guide China’s banks as massive loans compromise the banking sector’s ability to contain future risks R egulatory departments are strengthening their supervision over financial institutions to prevent an incomprehensible financial scenario from unfolding: the failure of the Chinese banking

  13. A BANK MANAGER SPEAKS

    2004-01-01

    My name is Jane Carson and I'm the manager of savings bank in Portland,Oregon,My bank is open every day from8:30 in the moming until 4:00 in the aftermoon.On Fridays the bank remains oper until 6:30 in the evening.

  14. Banking on Change

    2007-01-01

    The opening up of China’s banking sector took another giant step forward on March 20 when the first four foreign banks gained approval to incorporate locally. After going through commercial registration formalities, the banks will be able to con- duc

  15. Polymer bank notes

    Brian Lang; John Barry

    1999-01-01

    On 3 May 1999 the Bank issued a new $20 bank note into circulation that had been printed on a polymer substrate. This article traces the history of polymer, briefly describes the process of production, and highlights the benefits of the substrate and the implications for the future of bank note handling within the country.

  16. Banking on the Internet.

    Internet Research, 1996

    1996-01-01

    Electronic ground was broken in 1995 with the development of the completely Internet-based bank Security First Network Bank. This article discusses the need for developing online services, outlines the reasons for the formation of an Internet-based bank and argues that to remain competitive financial services providers must provide easier customer…

  17. More Localized Foreign Banks

    2006-01-01

    The country's banking watchdog says that to engage in the retail renminbi business, foreign banks must become Chinese legal entities According to China's commitment at its accession to the WTO, as of December 11 this year, it will fully open renminbi business to foreign-funded banks. However, this does not mean that the 103 China branches of foreign

  18. Outsourcing central banking

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

    The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervisioncan be "outsourced" in an open economy with substantial foreign direct investment (FDI)in the banking sector if politica...

  19. THE IMPACT OF EUROPEAN INTEGRATION ON THE ROMANIAN BANKING SYSTEM

    Dragan (Santamarian) Oana Raluca

    2010-01-01

    This paper describes the evolution registered by the Romanian banking system over the last years in the context of accession to the European Union. The analysis presents the progress registered by our banking system, the main characteristics of Romanian banking activity after 2007 as well as a brief analysis of profitability indicators

  20. The effect of socio-economic and demographic factors of Turkish provincies on the number of active customers using Internet banking

    Aykut Arslan

    2012-07-01

    Full Text Available Despite the recent improvements in Internet Banking or Online Banking, there are still some constraints, mainly security related issues and some other factors, which contribute to the hesitations of individuals’ Internet Banking adoption. Instead of widely used behaviorist models this study utilizes panel data compiled from different sources and explores why Internet Banking is very common in some Turkish provinces but not in the others. The panel data was comprised of the antecedents that were drawn from the relevant literature. To investigate the relationship among the data we employed correlation statistics and to study the Internet Banking adoption differences better among the provinces we used Mann-Whitney U non-parametric statistical analyses. The results of correlation analysis demonstrate strong relationship among the variables. And the Mann-Whitney U non-parametric test results indicate that the differences of mean ranks are statistically significant. According to these results each of the hypotheses are confirmed significantly.

  1. Back to the Basics in Banking? A Micro-Analysis of Banking System Stability

    Olivier De Jonghe

    2009-01-01

    This paper analyzes the relationship between banks’ divergent strategies toward specialization and diversification of financial activities and their ability to withstand a banking sector crash. We first generate market-based measures of banks’ systemic risk exposures using extreme value analysis. Systemic banking risk is measured as the tail beta, which equals the probability of a sharp decline in a bank’s stock price conditional on a crash in a banking index. Subsequently, the impact of (the...

  2. Back to Basics in Banking? A Micro-Analysis of Banking System Stability

    De Jonghe, O.G.

    2009-01-01

    This paper analyzes the relationship between banks’ divergent strategies toward specialization and diversification of financial activities and their ability to withstand a banking sector crash. We first generate market-based measures of banks’ systemic risk exposures using extreme value analysis. Systemic banking risk is measured as the tail beta, which equals the probability of a sharp decline in a bank’s stock price conditional on a crash in a banking index. Subsequently, the impact of (the...

  3. The Impact of Corporate Governance on Non Financial Performance in Jordanian Commercial Banks and Islamic Banks

    2014-01-01

    This research was conducted in order to indicate the role of corporate governance in the commercial banks and Islamic banks in Jordan and its impact on financial and non-financial performance because of its positive effects on the improvement and development in the process of managerial decision-making through various development and modernization in the processes and stages of internal activities of banks and raise the level of performance. The study sample included the society represented b...

  4. Comparative Study of CRM Between Sampo Bank Varkaus and Bank of China Lujiang Branch

    Wang, Li

    2013-01-01

    Customer Relationship Management (CRM) as a strategy has been given massive attention in companies in recent decades. And banks, as one of the most active commercial contexts of CRM, have never stopped applying more and more advanced CRM applications into customer data mining and analyzing. Besides, they have utilized other technologies to serve customers better. Accordingly, there are many re-designed banking processes and changes of demands for banking staff. The objective of this thesis is...

  5. Some traits of low temperature germplasm wheat under extremely unfavorable weather conditions

    张嵩午; 王长发; 冯佰利; 苗芳; 周春菊; 张荣萍

    2001-01-01

    Through a long-term observation on the canopy temperature and some traits of wheat the temperature germplasm of wheat was found to result in the wheats having either a high or a low plant temperature. Under normal weather conditions, the wheat having a low temperature germplasm (LTG) demonstrated several advantageous physiologi-cal and agronomic traits than those having a high temperature germplasm (HTG). Under the extremely unfavorableweather conditions, such as rainy weather or severe drought, LTG wheat still could maintain its superiority to HTG wheat in physiological and agronomic traits including leaf functional duration, chlorophyll content, malondialdehyde content, transpiration rate, net photosynthesis rate, root vitality and kernel plumpness. The wide adaptability of LTG wheat to awide range of meteoro-ecological conditions could provide a valuable germplasm in breeding of good strains with broad-spectrum stress resistance.

  6. Low temperature wheat germplasm and its leaf photosynthetic traits and structure characteristics

    ZHANG Songwu; MIAO Fang; WANG Changfa

    2004-01-01

    Low temperature germplasm with constant low plant temperature was found in the nature through a long-time observation on wheat canopy temperature and traits; correspondingly, high temperature germplasm with constant high plant temperature also exists. Compared with the high temperature germplasm, the chlorophyll content and the net photosynthetic rate of the three functional leaves on the top of the low temperature wheat germplasm are higher and the structure tends to be more complicated, which is characterized by smaller mesophyll cells and more closely arranged cell layers, more and denser chloroplasts with thick stroma, more granas and well developed grana lamellae, a larger vascular bundle area with smaller interspace. All these characteristics embody the consistency of structure and function and provide the theoretical bases for looking for and cultivating the new low temperature materials in agricultural practice.

  7. Space mutation technique and its application in germplasm resources innovation of landscape plants

    This paper analysised the salient features of space mutation technique, discussed the mechanism of plant space mutagenesis and reviewed the research and application of space mutation breeding in germplasm resources innovation of landscape plants. (authors)

  8. Information Production, Banking Industry Structure and Credit Allocation

    Chiesa, G

    1998-01-01

    Does the removal of intra-state entry barriers increase welfare? Will all banks survive? Will it lead to a consolidation of the banking industry? The experience of credit market deregulation has not been always successful. Credit market liberalisation, via the removal of entry barriers, of limitations of activity and of markets for funding is generally recognised at the origin of banking crises like the American Savings & Loans, the Scandinavian countries’ banking crises at the end of the 80’...

  9. International banking and liquidity risk transmission: lessons from across countries

    Buch, Claudia M.; Goldberg, Linda

    2014-01-01

    Activities of international banks have been at the core of discussions on the causes and effects of the international financial crisis. Yet, we know little about the actual magnitudes and mechanisms for transmission of liquidity shocks through international banks, including the reasons for heterogeneity in transmission across banks. The International Banking Research Network (IBRN), established in 2012, brings together researchers from around the world with access to micro-data on individual ...

  10. THE ROLE OF DEVELOPMENT BANKING IN PROMOTING INDUSTRIALIZATION IN TURKEY

    Hüseyin ÖZTÜRK; Derya GULTEKIN-KARAKAS; Hisarciklilar, Mehtap

    2010-01-01

    Development banks are influential institutions in financing development. Since their establishment back in the 19th century, development banks have played a leading role in supporting development in many countries. Despite the liberalization process of the 1980s and 1990s, development banks have continued to play an active role in financing development in the case of many countries. In the Turkish case, the performance of development banking in supporting development has varied over time. How...

  11. E-BANKING SERVICES – FEATURES, CHALLENGES AND BENEFITS

    IMOLA DRIGĂ; CLAUDIA ISAC

    2014-01-01

    Today traditional banking services, based on lending and deposittaking operations, are only part of banking activities. Due to the emergence of a knowledgebased economy and society as information and communication technology advanced, banking services have undergone profound changes during the past decades. In order to improve the quality of customer service delivery and reduce transaction cost, banks have invested to a great extent in ICT and have adopted ICT networks for delivering a wid...

  12. Financial Service of Wealth Management Banking: Balanced Scorecard Approach

    Cheng-Ru Wu; Chin-Tsai Lin; Pei-Hsuan Tsai

    2008-01-01

    Problem Statement: There are four main banking business sectors in Taiwan, involving the areas of consumer, corporate, wealth management, and investment banking. The wealth management banking sector is actively promoted for reaping a risk-free premium. In the proposed model, the dimensions of financial services for wealth management banks have been taken from four perspectives derived from balanced scorecard approach, viz. finance, customer, internal business, learning and growth. Approach: T...

  13. When bigger isn’t better: bailouts and bank behaviour

    Miller, Marcus; Zhang, Lei; Li, Han Hao

    2011-01-01

    Lending retail deposits to SMEs and household borrowers may be the traditional role of commercial banks: but banking in Britain has been transformed by increasing consolidation and by the lure of high returns available from wholesale Investment activities. With appropriate changes to the baseline model of commercial banking in Allen and Gale (2007), we show how market power enables banks to collect „seigniorage?; and how „tail risk? investment allows losses to be shifted onto the taxpayer. In...

  14. Universal banking, competition and risk in a macro model

    Tatiana Damjanovic; Vladislav Damjanovic; Charles Nolan

    2012-01-01

    A stylized macroeconomic model is developed with an indebted, heterogeneous Investment Banking Sector funded by borrowing from a retail banking sector. The government guarantees retail deposits. Investment banks choose how risky their activities should be. We find that the financial sector can move very sharply from safe to risky investment strategies and that the degree of competitiveness is important for risk premia. We also compared the benefits of separated vs. universal banking modelled ...

  15. Regulation of Communication Policy of Modern Banks

    Ketova Natalia, P.

    2016-03-01

    Full Text Available The paper shows the need for effective communication commercial banks, revealed the possibility of interaction with customers through advertising, sponsorship, philanthropy, sales promotion, lobbying of interests of banking institutions. The principles for the regulation of communications to ensure consistency of communication complex, which cause a complex effect on the external environment, the creation of adaptive system of marketing communications. It is proved that the possibilities of implementing an active communication policy of modern banks in recent years is constantly increasing. This contributes to the extension of Internet technologies, the creation of remote service channels, the emergence of new tools and technologies to attract and retain customers. On the example of JSC "Sberbank of Russia" presented the technology of using the traditional tools of ATL and BTL communications, the formation of the system CSR – corporate social responsibility, building contact with customers, enhancing their loyalty to the Bank. Reveals the areas of regulation of the savings Bank of its activities on the creation of the daily value of services based on the principles of involvement and co-operation of the system "Client - Bank", "Bank - Company", "Bank – Employees".

  16. DEVELOPING THE iPBS STRATEGY FOR YAKON GERMPLASM EVALUATION

    Jana Žiarovská

    2013-02-01

    Full Text Available Two yacon varieties PER05 and ECU45 were used for iPBS method developing for yacon - Smallanthus sonchifolius, (Poepp. et Endl. germplasm evaluation. Because of high level of polyphenols in yacon, four DNA extraction methods were tested for the best results in the iPBS method. Using a set of universal primers that anneal to the conserved regions of retrotransposons, polymorphism of amplified fragments of DNA was analysed and for the development of iPBS protocol primers that produce PCR fragments within the whole possible range of PCR were chosen. Selected primers were subsequently used in a set of gradient PCR for finding of optimal annealing temperatures for each of them and three groups of primers according to the optimal annealing temperature were found - primers with a optimum at 53°C (1845, 1875 and 1886, at 56°C (1846 and 61 °C (1880 and 2078.

  17. DIVERSITY OF EAR CHARACTERISTICS OF CROATIAN WHEAT GERMPLASM

    Ivana Rukavina

    2013-06-01

    Full Text Available Morphological characteristics of ear were used for estimation of genetic diversity in 50 varieties of hexaploid winter wheat originated from Croatian breeding programs. Field trials were set at two locations in two vegetation years (2008/09 and 2009/10. Observations in field trials and laboratory were done on 13 ear characteristics used in DUS testing. Genetic diversity research of Croatian wheat germplasm according to ear morphological characteristics, showed a high level of dissimilarity (0.625 among the tested varieties. Varieties Super Žitarka and AFZG Karla are pointed out with highest coefficient of dissimilarity (0.94. Application of UPGMA method showed that all varieties in different groups had significant genetic diversity. On the basis of data analysis the most distant varieties with the best morphological characteristics of ear were determined and it will be help in the selection of new parent combinations in future breeding programs.

  18. Quantitative Characterization of Nut Yield and Fruit Components in Indigenous Coconut Germplasm in Sri Lanka

    Perera, S. A. C. N.; H. D. M. A. C. Dissanayaka; Herath, H. M. N. B.; Meegahakumbura, M. G. M. K.; Perera, L.(University of Nebraska-Lincoln, Lincoln, USA)

    2014-01-01

    Coconut (Cocos nucifera L.) is a tropical palm offering multiple uses. Conservation of coconut germplasm has been undertaken globally in view of its economic importance. This research was designed to evaluate nine Sri Lankan indigenous coconut germplasm representing the three varieties Typica, Nana, and Aurantiaca. Total annual nut yield and the weights of fresh nut, husked nut, split nut, and fresh and dry kernel were scored and analyzed with analysis of variance. The annual average number o...

  19. Better borrowers, fewer banks?

    Christophe J. Godlewski; Frédéric Lobez; Jean-Christophe Statnik

    2010-01-01

    We investigate the relationship between borrower quality and the structure of the pool of banks. First, we develop a theoretical model where the size of the banking pool is a credible signal of firm quality. We argue that better borrowers seek to disclose their quality in a credible way through the structure of the banking pool involving fewer banks. Second, we test our prediction using a sample of more than 3,000 loans from 19 European countries. We perform regressions of the number of bank ...

  20. Bank Deposit Interest Rate Pass-through and Geographical Segmentation in Japanese Banking Markets: A panel cointegration approach (Japanese)

    UCHINO Taisuke

    2012-01-01

    This paper estimates the pass-through between market interest rates and deposit interest rates in Japan, in order to investigate whether the bank deposit markets are geographically segmented. The unique feature of this paper is to make use of monthly deposit interest rates posted by 106 regional banks from March 1999 to March 2010. Following theoretical results from a simple banking activity model with Cournot competition, I estimate the long run pass-through of each regional bank by utilizin...

  1. Internet Banking: An Interaction Building Channel for Bank-Customer Relationships

    Banerjee, Madhumita

    This chapter examines the weakening and strengthening of relationships in technology determined bank-customer interactions. It focuses on the use of Internet banking for long-term service maintenance in a multiple channel usage context. The research findings from a study conducted with retail banking customers in the UK, indicate how customers combine the concepts of ‘convenience’ and ‘control’ in performing banking activities through Internet banking. In addition, while the users demand enhanced functionalities, the non-users seek innovation in customer service to aid their understanding and initiate their use of Internet banking. Such a scenario creates situations that transfer work back from the customers to the bank employees with likely changes in the roles and responsibilities of the frontline staff. As a social consequence of Internet banking usage, issues about the dichotomy of convenience and stress are also discussed. The potential of a virtual and remote channel like Internet banking in creating enhanced bank-customer relationships becomes salient with implications for organisational strategies.

  2. A STUDY OF E-SERVICES OF BANKS WITH SPECIAL REFERENCE TO YES BANK, KOLHAPUR

    Sajida H. Nadaf

    2015-06-01

    Full Text Available E-banking means electronic banking which is popularly known as anywhere banking. Electronic banking, also known as electronic funds transfer (EFT, is simplythe use of electronic means to transfer funds directly from one account to another, rather than by cheque or cash. New Information technology has takenimportant place in the future development of financial services, especially banking sector transition are affected more than any other financial provider groups.Increased use of mobile services and use of internet as a new distribution channel for banking transactions and international trading requires more attentiontowards e-banking security against fraudulent activities. The development and the increasing progress that is being experienced in the Information andCommunication Technology have brought about a lot of changes in almost all facets of life. In the Banking Industry, it has been in the form of online banking, which is now replacing the traditional banking practice. Although it is proving boon to all sectors especially to all types of customers and financial sector but itsgrowing use without awareness has also attracted many crimes and frauds.

  3. A Discussion on Possible Indicators Related to Genetic Structure Changes in Plant Germplasm Conservation

    GAI Jun-yi

    2004-01-01

    The purpose of the present paper is to study and develop indicators and procedures for the evaluation of genetic structure changes in germplasm conservation due to social and natural environment reasons.Some basic concepts in germplasm study were introduced at first. Then, six kinds of indicators for genetic diversity as a measure of genetic potential of a germplasm collection were presented, i.e.,numbers of different entities at certain level, evenness of the entity distribution, genetic similarityand genetic distance, genetic variance and genetic coefficient of variation, multivariate genetic variation indices, and coefficient of parentage. It was pointed out that genetic dispersion did not provide a complete concept of genetic diversity if without any information from genetic richness. Based on the above, the indicators for genetic erosion as the genetic structure changes of germplasm conservation due to social reasons, the indicators of genetic vulnerability as the genetic structure changes of germplasm conservation due to environmental stresses, the measurement of genetic drift and genetic shift as the genetic structure changes of germplasm collection during reproduction or seed increase were reviewed and developed. Furthermore, the estimation procedures of the indicators by using molecular markers were suggested. Finally, the case studies on suitable conservation sample size of self-pollinated and open-pollinated populations were given for reference.

  4. Bank consolidation and small business lending: it's not just bank size that matters

    Joe Peek; Eric S. Rosengren

    1997-01-01

    Concern with the potential effect of bank mergers on small business lending has stemmed from a belief that larger acquirers may be less willing than their smaller targets to be active in the small business lending market. However, we find that in roughly half the commercial and savings bank mergers of the past three years, the acquirer has a larger portfolio share of small business loans than its target; moreover, the most common acquirer of small banks is another small bank. The empirical re...

  5. Ex situ conservation of Holstein-Friesian cattle: Comparing the Dutch, French and USA germplasm collections

    Holstein-Friesian (HF) gene bank collections were established in France, the Netherlands and USA in order to conserve genetic diversity for this breed. Genetic diversity of HF collections within and between countries was assessed and compared with active HF bulls in each country by using pedigree da...

  6. THE BANKING SECTOR - INFLUENCE FACTORS OF BANKING PERFORMANCE

    Mirela CIOCAN

    2014-01-01

    The paper examines how the banking system is organised in Romania. By comparing the organization of the banking system in Romania with banking systems of certain countries in the European Union, banks typology is highlighted at the international level. The aim of this paper is to highlight the factors influencing the Romanian banking system, the banking system role in the economy as well as the objectives of Romanian banking system. This paper examines indicators as: return on equity, return ...

  7. Central bank capital, financial strength, and the Bank of Japan

    Cargill, Thomas F.

    2006-01-01

    This Economic Letter addresses central bank capital and financial strength in the context of Bank of Japan policy (Cargill 2005). Specifically, it reviews general considerations about central bank capital and financial strength, discusses recent Bank of Japan policy in the context of capital structure, evaluates the Bank of Japan's concern in the context of the broader issue of central bank independence, and draws some lessons from recent Bank of Japan policy.

  8. Bank Resolution in the European Banking Union

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

    The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States' disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure....... The FDIC's experience teaches us three important lessons: First, systemically important financial institutions need to have in their liability structure sufficient unsecured (or otherwise subordinated) term debt so that in the event of bank failure, the conversion of debt into equity will be...

  9. Bank Resolution in the European Banking Union

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

    The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States’ disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure....... The FDIC’s experience teaches us three important lessons: first, systemically important institutions need to have in their liability structure sufficient unsecured (or otherwise subordinated) term debt so that in the event of bank failure, the conversion of debt into equity will be sufficient to...

  10. ESSENTIAL PRACTICE OF SYSTEMICALLY IMPORTANT BANKS REGULATION

    V. Trokhymenko

    2014-01-01

    The paper analyzes specific features of establishment of new regulatory standards of systemically important banks as one of the most priority directions of post-crisis improvement of supranational financial regulation. The essense of active and prearranged initiatives to secure constant activity of global and domestic powerful super-big banking institutions is investigated as well as some approaches as to recovery measures implementation without involvement of taxpayers' funds in case of thei...

  11. A scoping study of specimen archiving activity in the UK and the potential for a UK Environmental Specimen Bank

    Chaplow, J.S.; Walker, L. A.; Mackechnie, C.J.; Shore, R.F.

    2010-01-01

    There are numerous monitoring and experimental research studies in the UK that involve collection and archiving of environmental specimens. As part of the current project, we have estimated the cost of these activities to be approximately £16 million per year. However, there is no current UK-wide strategic coordination of this investment. Although the United Kingdom Environmental Observation Framework (UK-EOF) catalogues environmental observations made for and by the UK, it doe...

  12. Disparity of Performance Indicators of Islamic Banks: Study on Bangladesh

    Mamunur Rashid

    2009-07-01

    Full Text Available Islamic banking is still in emergent stage. However, the industry is growing at the rate of 15% every year (IFSB, 2008. As it is operating under a distinct system of banking, Islamic Shariah, Islamic banks have been undergoing through immense competition from other Islamic banks and conventional banks of domestic and multination origin. Moreover, banking is an important industry, which stabilizes the overall economic condition of the globe. Hence, analysis of performance and identification of the problems, at a continuous basis, are basic necessities for Islamic banks. This study considers 12 important financial ratios and common size income statement and balance sheet information for 2001 to 2006. The ratios were compared with simple industry average, and other banks distributed in three generations, namely; generation one, two and three. Results showed poor performance of Islamic banking sector in almost every aspect, especially in the areas of profit maximization, investor management and operating inefficiency. The report identified unique banking system, lack of efficient HR, lack of marketing and awareness creating activities, absence of Islamic capital and inter-bank markets and lack of direct government control as precedence. The study reported to bring about immediate change in HR management and policy, changes in operating policy, increase in marketing and awareness creating activity, guidelines and supervision of the government through direct Islamic Banking Law.

  13. The Impact of Non-performing Loans on Bank Lending Behavior: Evidence from the Italian Banking Sector

    Doriana CUCINELLI

    2015-11-01

    Full Text Available The aim of this study is to understand the bank lending behavior during financial crisis, in particular whether an increase of credit risk during this period can lead banks to reduce their lending activity. A second object is to investigate whether cooperative and commercial banks show different behaviors. The analysis is based on a sample of Italian banks (listed and no listed, an example of a country undergoing a credit crunch. The sample consists of 488 listed and unlisted Italian banks observed 2007-2013. Unlisted banks are included because they are the most numerous in the Italian banking system. Findings show a negative impact of credit risk on bank lending behavior, with regard to both credit risk measures: the nonperforming loans and the loan loss provision ratio.

  14. Banking system in Kyrgyz Republic

    Sagbansu, Lutfu

    2006-01-01

    This paper examines the overall banking system and the basic banking system development factors such as internet banking and deposit insurance in the world and particularly in Kyrgyzstan. The analyses show that progress in banking reform, introduction of deposit insurance and internet banking concepts are essential for avoiding harmful problems, development stable and solvent banking system. These developments include the more effective regulation of the entry and exit of banks, removal of ob...

  15. Adopting Internet Banking in Ghana

    G.O. Ofori-Dwumfuo; Betty A. Dankwah

    2013-01-01

    This study looks at the benefits, challenges and barriers in adopting Internet banking at a major bank in Ghana. The development of the Internet is changing the way financial services are provided in Ghana. The Internet banking facility has resulted in new ways of delivering banking services. The research is a case study based on the staffs that has worked with the bank for more than three years. In evaluating benefits, challenges and barriers to the bank in adopting Internet banking, intervi...

  16. Customer Experience in Banking Industry

    Michálková, Anna

    2015-01-01

    This thesis analyzes the field of Customer Experience. The goal is to apply these issues to the banking market and understand what role has the relationship between the bank and the customer due to the prosperity of the bank. The paper describes the current Czech banking market, its trends in recent years and segmentation of bank clients. One of the major changes on the Czech banking market concerns ever increasing competition between banks and increase competition for consumers. Customer Exp...

  17. Germplasm Collection from Last Remnants of Rice Landrace Genetic Diversity in High Altitude Areas of Kashmir Himalayas

    Sheikh Mohd SULTAN

    2013-12-01

    Full Text Available The aim of the present study was to know about past and present cultivation and status of rice landraces in Kashmir province of Indian Himalayan state of Jammu and Kashmir. Tremendous genetic diversity has existed in past in paddy fields throughout Kashmir especially in remote high altitude areas and more than 4 dozen named landraces have been recorded in the literature. Elderly farmers in their sixties and beyond still fondly remember these landraces and often recall quality attributes in many of these genetic resources. Most of the landraces have now disappeared from the local production system and only few are presently being cultivated and that too in a very small area. The reasons as to why farmers lost interest in these genetic resources and why few landraces are still popular in farmer fields have been discussed. Our study has revealed that variability in paddy fields has now been drastically reduced to few high altitude areas where also it is seriously endangered. We argue that collection of well adapted traditional varieties from these ‘last remnants of rice genetic diversity’ in Kashmir is an important task especially under prevailing uncertain social and climatic conditions to ensure a sustainable environment. 32 germplasm accessions of some landraces have been collected during our survey in these areas. These have been deposited in National Seed Gene Bank at NBPGR, New Delhi for conservation and characterization.

  18. Assessment of Genetic Stability Among In Vitro Plants of Arachis retusa Using RAPD and AFLP Markers for Germplasm Preservation

    Rachel Fatima Gagliardi; Luiz Ricardo Hanai; Georgia Pacheco; Carlos Alberto Oliveira; Leonardo Alves Carneiro; José Francisco Montenegro Valls; Elisabeth Mansur; Maria Lucia Carneiro Vieira

    2007-01-01

    Arachis retusa Krapov. et W. C. Gregory et Valls is endemic in the West-central region of Brazil, occurring in areas endangered by human actions. The establishment of in vitro preservation methods for wild species of Arachis isan alternative to seed banks for germplasm storage, multiplication and distribution. The risk of genetic changesinduced by tissue culture and the monitoring of the genetic stability of the biological material before, during andafter storage must be considered in the context of conservation. Random amplified polymorphic DNA (RAPD) andamplified fragment length polymorphism (AFLP) fingerprinting were used to evaluate the genetic stability of invitro plants originated from cotyledons and embryo axes of A. retusa. Cotyledons originated shoots through directorganogenesis and embryo axes displayed multishoot formation induced by 110 mmol/L and 8.8 mmol/L BAP,respectively. Ninety genomlc regions (loci) generated from RAPD and 372 from AFLP analyses were evaluated. Allamplified fragments detected by both techniques in plants derived from the two explant types were monomorphic.The results indicate that the recovered shoots are genetically stable at the assessed genomic regions.

  19. Do Foreign Banks Lead in Internet Banking Services?

    Kooi Guan CHEAH

    2005-01-01

    Full Text Available Internet banking has been increasingly used as a delivery channel in retail consumer banking. As far as the provision of internet banking services in developing countries is concerned, foreign banks definitely enjoy distinct advantages over domestic banks due to their experiences in other, more advanced financial markets. This paper reports a study that examined the levels of retail internet banking services provided by foreign and domestic commercial banks in Malaysia over a period of two years. The study found that while foreign banks are marginally more sophisticated at information provision level, domestic banks offer a significantly higher level of transactional facilities in both years.

  20. Ethical banking and finance : a theoretical and empirical framework for the cross-country and inter-bank analysis of efficiency, productivity, and financial performance

    Abu-Alkheil, Ahmad

    2012-01-01

    Islamic banking is a growing worldwide phenomenon involving a variety of institutions and instruments. Previously, Islamic banks? transactions made up a small part of the total banking industry. Recently, Islamic banks have significantly expanded their network, and have been able to mobilize a large amount of funds and upgrade many economic ventures. Given the unique behavior of Islamic banks and their involvement in both social and economic activities, there has always been a question about ...

  1. Effect of Electronic Interactive Technologies Usage on Services Marketing Activities Empirical Study on Banking Sector in Jordan

    Zakaria A. Azzam

    2010-06-01

    Full Text Available The importance of new technology in marketing of financial services can't be ignored. Interactive technology helpsmarketers to inexpensively engage consumers in one- to- one relationships fueled by two way conversation via mouse click oncomputer. Several organizations especially in services businesses are increasingly strengthening their marketing function byeffectively interacting with their customers with the help of sophisticated interactive technologies in an integrated manner.Enough research in the usage or adoption of electronic data interchange (EDI can be found both in information systems andmarketing literature. Therefore; it appears that different interactive technologies have been studied individually by differentresearchers. This motivates researchers to find out studies related to interactive technologies and their usage or adoptionespecially in the field of marketing activities in a developing country like Jordan. This paper attempts to understand the effectof the usage of interactive technologies in financial services businesses with the intention to derive implications for thedevelopment of interactive technologies to suit its intended users.

  2. Banks, regions and development

    Pietro Alessandrini

    2003-03-01

    Full Text Available From the 1980s onwards the banking sectors in all the industrialised countries have been experiencing intense restructuring, aggregation and consolidation, radically changing their ownership structures and geography. Whatever the reasons behind such restructuring processes, the globalisation of the credit markets, the consolidation of banking structures, the removal of barriers to the free location of banks and their penetration of peripheral markets pose two main questions. Will integration of the banking systems lead to a narrowing or a widening of the development gap between regions? What relations will there be between financial centres and the periphery, and how will financial labour be divided between national (international banks and local (regional banks? The aim of this paper is to address such questions in the light of recent developments in the theoretical and empirical literature on financial integration.

  3. Evaluation and screening of resistance to replant in germplasm of grape and physiological mechanisms of its resistance

    The aim of the present work was to screen out grape germplasms resisting to replant obstacle, and to analyze their resistant mechanism. Here we used 94 grape resources as the testing materials. The cuttings of each resource were planted in pot filled with control (normal) soil as well as replanting soil. After 2 years investigation, 101-14, 8612 were screened for replant-susceptible resources, and Mcadams, Dawuhezi were screened for replant-resisting resource. Under replanting stress, resources with resistance exhibited an increase in maximum photochemical efficiency of PSII, and net photosynthetic rate improved. The MDA content of Mcadams planted in normal soil was 25.62% lower than that planted in replant soil, and showed a strong resistance. For Dawuhezi, the protected enzyme SOD and PPO could be activated under replanting stress, which effectively avoided the harm of active oxygen to the seedling, presenting a more vigorous plant growth. (author)

  4. Banka Müşterilerinin İnternet Bankacılığı ile İlgili Tutumlarına Yönelik Bir Pilot Araştırma(An Empirical Study of the Attitudes of Turkish Bank Customers Regarding Internet Banking)

    PALA, Emre; KARTAL, Burak

    2010-01-01

    Despite having state-of-the-art technology and providing superior services, Turkish banks still suffer from a lack of internet bank users. This study examines attitudes of bank customers regarding Internet Banking via a sample of 196 active internet banking users. Specifically, the study addresses issues such as internet banking usage frequency, main reasons for using it, variables influencing the selection of principal internet bank used and preferences with regards to internet banking usag...

  5. 12 CFR 7.4009 - Applicability of state law to national bank operations.

    2010-01-01

    ...) Taxation; (vii) Zoning; and (viii) Any other law the effect of which the OCC determines to be incidental to... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Applicability of state law to national bank... BANK ACTIVITIES AND OPERATIONS Preemption § 7.4009 Applicability of state law to national...

  6. Islamic Banking and Finance

    AlFarra, Diaa M. S.

    2015-01-01

    Islamic Banking and Finance has been growing rapidly during the last decades. Descriptive analysis has been used in order to introduce the Islamic banking and finance and how it works. On other hand, clarify the Islamic Banking and Finance Systems and show how it works in part of liability and also profit and loss sharing basis. In addition to that, the main similarities and differences were properly identified, introduced and discussed in the paper. It is obvious that there are many similari...

  7. Essays on Bank Risk

    Cabiles, Neil Adrian

    2012-01-01

    This PhD Thesis is composed of three chapters, each discussing a specific type of risk that banks face. The first chapter talks about Systemic Risk and how banks get exposed to it through the Interbank Funding Market. Exposures in the said market have Systemic Risk implications because the market creates linkages, where the failure of one party can affect the others in the market. By showing that CDS Spreads, as bank risk indicators, are positively related to their Net Interbank Funding ...

  8. Method of Banks Valuation

    Eva Horvátová

    2010-01-01

    Since there is not a special common framework for valuation banks and it gives possibilities to create establishment, improvement and adaptation of various approaches to measuring the value of banks and financial institutions. Most approaches banks valuation note the strong dependence of financial institutions value from market interest rates (Mishkin, F., Miller, WD, Copeland, T., Koller, T., Damodaran, A., and others). Each approache reflects greater or lesser degree of accuracy depending o...

  9. Bank Customers Management System

    Ebubeogu Amarachukwu Felix

    2015-01-01

    ABSTRACT The purpose of this project is in partial fulfilment of the requirements of Bachelor of Science Hon in Information Technology. The Design and development of this Bank customers Management system provides a more secured approach in managing bank customers information which strengthens the relationships between banks and their customers by providing the right solutions that uses a multi-level security to improve customer satisfaction. The technology used in developing this project is A...

  10. Banks on Board

    Jeffrey Fear; Christopher Kobrak

    2007-01-01

    As part of a series of related papers, the authors examine the conceptual foundations of German and American corporate governance, specifically highlighting the role of banks' relationships to corporations and the stock market. This paper focuses on how the regulatory and macroeconomic environments of the two countries helped shape how banks, especially money-centred bankers, actually interacted with their clients. Prior to 1914, despite many regulatory obstacles, American banks wielded more ...

  11. Agricultural Development Bank Reform

    Seibel, Hans Dieter

    2001-01-01

    Agricultural development banks (AgDBs), which are not viable, should either be closed, or transformed into self-reliant, sustainable financial intermediaries. Experience shows that reform is possible. Among the prominent cases are Bank Rakyat Indonesia (BRI) and Bank for Agriculture and Agricultural Cooperatives (BAAC, Thailand) as well as ADB/Nepal, which has been transforming its small farmer credit program into financially self-reliant local financial intermediaries owned and managed by th...

  12. BANKING PRIVATIZATION IN TURKEY

    Ersoy, İmre

    2015-01-01

    It seems impossible to drive a general rule concerning the outcomes of privatization that would be applicable to each country or sector. Privatization may lead to better use of resources but also to extraction of profit overseas and growing industrial concentration. Privatization of banking is more delicate an issue because of the potential to undermine confidence in the system. Moreover, there is the problem of obtaining data on bank privatization as public banks have always been an importan...

  13. Stress Testing of the Montenegrin Banking System with Aggregated and Bank-Specific Data

    Vuković Sanja

    2014-05-01

    Full Text Available There are many different approaches to the process of stress testing and two of them will be investigated in this paper. The first one is a stress test performed on aggregated data i.e. the banking system as a whole. The variable of interest in both exercises is the Loan Loss Provision ratio (hereinafter: the LLP. The main goal of the thesis is to find an answer to the following question: what are the macroeconomic variables that influence LLP the most and how will LLP, as a variable of interest, behave in a situation when all these variables were to experience negative performance at the same time? The resilience of the banking system to such scenario will be tested through the capital adequacy ratio. In order to find out more about the management practices of banks, microlevel data on banks were also used in the analysis. The focus was to see which of the variables are able to explain the LLP ratio for each bank individually and how is this information helpful for possible improvements in the banking sector. The relations between these variables will be able to explain some of the banks’ losses and some of the banks’ practices regarding credit activities. The analysis there will provide for some recommendations for the banks but also for the Central Bank and its way to influence the practices in the banking sector.

  14. 12 CFR 917.10 - Bank bylaws.

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Bank bylaws. 917.10 Section 917.10 Banks and Banking FEDERAL HOUSING FINANCE BOARD GOVERNANCE AND MANAGEMENT OF THE FEDERAL HOME LOAN BANKS POWERS AND RESPONSIBILITIES OF BANK BOARDS OF DIRECTORS AND SENIOR MANAGEMENT § 917.10 Bank bylaws. A Bank's board...

  15. Bank Capital Management

    Jokipii, T.K.

    2009-01-01

    The work undertaken in this study empirically explores the determinants of regulatory bank capital bu®ers, and how they in°uence bank decisions. Focusing on bank capital management under the Basel I framework, this thesis serves to address some of the con- cerns that have been voiced regarding the implementation of the new regulation (Basel II) and the broader economic e®ects that could result. In particular, the research chapters of this thesis examine the cyclical behavior of European bank ...

  16. PENGELOLAAN LIKUIDITAS BANK SYARIAH

    Nurul Ichsan

    2014-01-01

    Full Text Available Islamic Banking Liquidity Management.  this  article  is about management of liquidity which discuss about the position of cash money in the company and its ability to fulfill the obligation (pay the debt on time. Management of liquidity is one of the essential function which is done by banking institution and inside its efficient management, is needed instrument and finance market which is taking not only short term but also long term, and not only conventional banking but also syariat. Through that natural necessity (placement and fulfillment of short term need, for Islamic banking in Indonesia has been availabled some instruments such as (IMA certificate of Mudhorobah Investment between bank, (PUAS market banking regulations between syariat bank, (SWBI Bank of Indonesia Wadiah certificate, (FPJPS provision about short term cost facility for Islamic banks.DOI:10.15408/ijies.v6i1.1371

  17. Bank commercial loan fair value practices

    John Tschirhart; James M. O'Brien; Michael Moise; Emily Yang

    2007-01-01

    Recent accounting changes, for the first time, permit the use of fair value in the primary financial statements for held-to-maturity (HTM) bank loans. While the use of fair value has historically attracted significant discussion and debate, there is little information in the public domain on how banks would measure fair value or use it in loan management. This study presents and analyzes results from in-depth discussions with seven large internationally-active banks on their fair value use an...

  18. Bank Units. Assessment and Development Tendencies

    Adam Szafarczyk

    2008-01-01

    Full Text Available There are new trends in development banking sector especially concerning branches. The e-banking has diminished impact the old fashion branches as main tool finance activity. Now we have units (departments localised at supermarkets and in other strange places. Due to some researches mortgages and insurance polices ought to be sold in traditional branches according to clients preferences. Lafferty Agency researched quality of banking service condition in the UK. Base on this methodology similar case studies were done in Poland.

  19. Specificità e modelli di governo delle banche: un’analisi degli assetti proprietari dei gruppi bancari italiani (Specificity and Models of Banking Governance: An Analysis of the Ownership Structure of the Italian Banking Groups

    Alberto Zazzaro

    2001-12-01

    Full Text Available This paper aims at discussing the specificity of the banking governance and analysing the ownership structure of the Italian banking groups. Summing up, the theses here argued are: 1 the specificity of the banking activity restricts the role of stockholders, creditors and markets as channels of governance, while magnifying the role of regulation and authorities; 2 it is not possible to define a sole optimal model of banking governance; however, the market in which the bank is called to operate and the interests judged deserving of protection make some models of governance less suitable than others; 3 the models of banking governance currently more diffused in Italy are those of public banks, controlled by banking foundations, and of mutual and co-operative banks; 4 among the larger Italian banking groups there are heavy cross shareholdings, whereas they are weak among the regional banking groups; the sharing by Italian regional banks of larger banks' capital is increasing.

  20. Financial Service of Wealth Management Banking: Balanced Scorecard Approach

    Cheng-Ru Wu

    2008-01-01

    Full Text Available Problem Statement: There are four main banking business sectors in Taiwan, involving the areas of consumer, corporate, wealth management, and investment banking. The wealth management banking sector is actively promoted for reaping a risk-free premium. In the proposed model, the dimensions of financial services for wealth management banks have been taken from four perspectives derived from balanced scorecard approach, viz. finance, customer, internal business, learning and growth. Approach: The organizational performance of wealth management banks in Taiwan is evaluated by applying the Analytical Hierarchy Process (AHP and the Technique for Order Preference by Similarity to Ideal Solution (TOPISI. Results: Table 6 shows the relative weights of the four banks based on the results of from AHP, as well as the relative weights from TOPSIS. In the demonstrated example, Bank C should be perfect because it has the largest relative weights (Bank C = 0.288 and 0.539, from AHP and TOPSIS in Table 8. In Table 6, Summary of the TOPSIS Ci* with respect to wealth management banks: A (0.482, B (0.269, C (0.539 and D (0.294. C performs the best. Conclusion: Importantly, the proposed model can benefit the banking sector in assessing the organizational performance of wealth management banks, making it highly applicable for bank managers and financial sector analysts.

  1. Banking union and a single bank supervisory mechanism

    Sibert, Anne

    2012-01-01

    This note considers why a banking union is an essential component of a well-functioning monetary union. I describe some the consequences of banking union for the euro area. I describe how the European banking union should be designed.

  2. UNINSURED DEPOSITOR RIGHTS PROTECTION IN BANK INSOLVENCY

    Tomas Ambrasas

    2013-06-01

    Full Text Available The objective of the article is legal instruments protecting uninsured depositor in bank insolvency. The paper is focused and reviews issues relating to the unprofessional depositor with typology of insolvent Lithuanian bank “Snoras”. According to this view, the paper analyses legal aspects of the bank’s specific obligations to the depositor under Lithuania’s bank insolvency rules and regulations. The purpose is, by means of different methods, to investigate depositor’s rights protection concept covering uninsured bank’s product - deposit certificates. This paper reveals the content of legal norms regulating uninsured depositors in bank insolvency (laws, secondary legislation, especially court decisions of Lithuania, analyzes what problems arise in an attempt to ensure depositor rights and discusses the impact for uninsured depositor ex ante and ex post bank insolvency. The main issue of the paper: what are the legal techniques protecting uninsured depositor rights under bank insolvency frameworks? The issue based on the typology of insolvent bank “Snoras” which actively disseminated deposit certificates to the customers in order to improve the bank's financial stability, without increasing the share capital of the bank, for that reason, bank misinformed the owners of deposit certificates that such a product is treated as insurance object. The paper is written from the Lithuanian law perspective. Purpose – to investigate depositors’ rights protection terms covering uninsured bank’s product- deposit certificates. Design/methodology/approach – Purposely to explore the actual meaning of legal norms and legislations as well as content and to analyze the literature and jurisprudence the systematic, analyses, synthesis, comparative methods were used. Findings – all depositors have full interest to be treated as insured with the consequent of compensation. Deposit protection is designed to compensate some classes of depositors

  3. Private Banking and Wealth Management Services Offered by Banks

    IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

    2009-01-01

    The paper examines the features of private banking business focusing on the substantial growth in private banking over the last decade as commercial banks have targeted upmarket high net worth individuals. The accumulation of wealth has prompted the development of private banking services for high net worth individuals, offering special relationships and investment services. Private banking is about much more than traditional banking services of deposits and loans. It's about providing a one-...

  4. World Bank Group/World Bank Corporate Scorecards, April 2016

    World Bank Group

    2016-01-01

    This pamphlet presents the World Bank Group and World Bank Corporate Scorecards updated with latest data available for Tier 3 (Performance Tier) as of December 31, 2015. Tiers 1 and 2 present data from end of fiscal year 2015. The World Bank Group Corporate Scorecard monitors the implementation of the World Bank Group Strategy. The Scorecard provides an apex view of the results and performance indicators of the three World Bank Group institutions—the World Bank (WB), ...

  5. Methods of Payment to Banks: e-Banking. Comparative Study on Three Banks

    Miranda Petronella VLAD

    2012-11-01

    Full Text Available E-banking website, majority offers the banks. At first it was electronic-banking, Internet-banking followed, followed by mobile-banking service. These services offer the same facilities, Customer Bank just that varies the channel used for communication with the Bank. The services offered by banks through E-banking, approves: compilation of orders; scheduled payments; orders for payment of wages; internal transfers; pay rates on internal or external; currency exchanges; view balances of accounts at any time; information about foreign exchange rates; view and print account statements; the definition of beneficiaries of direct payments by the client.

  6. An update on USDA swine gene banking

    The USDA, Agricultural Research Service, National Animal Germplasm Program (NAGP) collects, preserves, evaluates and utilizes germplasm (semen, eggs, embryos, DNA) from all of the agricultural species in the US in order to create a secure collection. The material can be released for any of a number...

  7. Progress of the Research on the Conservation of Crop Germplasm Resources in China

    LU Xin-xiong; CHEN Xiao-ling

    2003-01-01

    In the last 20 years, China has made considerable achievements in the conservation of crop germplasm resources. A network for crop germplasm conservation has been established by the end of 2002, which includes a national long-term seed genebank and its duplicated genebank, 8 national medium-term seed genebanks, 30 national field genebanks, 2 national in vitro genebanks, and 3 in situ conservation sites including 1 for wild soybean and 2 for wild rice. More than 334 000 crop germplasm accessions are currently stored in the national long-term genebank, covering 35 families, 192 genera and 712 species, which rank in the first place in the world. More than 43 000 accessions of vegetatively propagated crops and perennial crops covering more than 900 species are conserved in the national field genebanks. In addition, 2 300 accessions are stored in the national in vitro genebanks. This paper reviewed the latest advances of techniques for safety preservation of stored germplasm in seed genebank, ultra-dried seed storage and in vitro preservation in China and discussed current highlights in germplasm conservation.

  8. Evaluation of Watermelon Germplasm for Resistance to Phytophthora Blight Caused by Phytophthora capsici

    Min-Jeong Kim

    2013-03-01

    Full Text Available This study was conducted to determine the Phytophthora rot resistance of 514 accessions of watermelon germplasm, Citrullus lanatus var lanatus. About 46% of the 514 accessions tested were collections from Uzbekistan, Turkey, China, U.S.A., and Ukraine. Phytophthora capsici was inoculated to 45-day-old watermelon seedlings by drenching with 5 ml of sporangial suspension (10⁶ sporangia/ml. At 7 days after inoculation, 21 accessions showed no disease symptoms while 291 accessions of susceptible watermelon germplasm showed more than 60.1% disease severity. A total of 510 accessions of watermelon germplasm showed significant disease symptoms and were rated as susceptible to highly susceptible 35 days after inoculation. The highly susceptible watermelon germplasm exhibited white fungal hyphae on the lesion or damping off with water-soaked and browning symptoms. One accession (IT032840 showed moderate resistance and two accessions (IT185446 and IT187904 were resistant to P. capsici. Results suggest that these two resistant germplasm can be used as a rootstock and as a source of resistance in breeding resistant watermelon varieties against Phytophthora.

  9. Genetic diversity of Chinese summer soybean germplasm revealed by SSR markers

    XIE Hua; GUAN Rongxia; CHANG Ruzhen; QIU Lijuan

    2005-01-01

    There are abundant soybean germplasm in China. In order to assess genetic diversity of Chinese summer soybean germplasm, 158 Chinese summer soybean accessions from the primary core collection of G. max were used to analyze genetic variation at 67 SSR loci. A total of 460 alleles were detected, in which 414 and 419 alleles occurred in the 80 Huanghuai and the 78 Southern summer accessions, respectively. The average number of alleles per locus was 6.9 for all the summer accessions, and 6.2 for both Huanghuai and Southern summer accessions. Marker diversity (D) per locus ranged from 0.414 to 0.905 with an average of 0.735 for all the summer accessions, from 0.387 to 0.886 with an average of 0.708 for the Huanghuai summer accessions, and from 0.189 to 0.884 with an average of 0.687 for the Southern summer accessions. The Huanghuai and Southern summer germplasm were different in the specific alleles, allelic-frequencies and pairwise genetic similarities. UPGMA cluster analysis based on the similarity data clearly separated the Huanghuai from Southern summer soybean accessions, suggesting that they were different gene pools. The results indicate that Chinese Huanghuai and Southern summer soybean germplasm can be used to enlarge genetic basis for developing elite summer soybean cultivars by exchanging their germplasm.

  10. EVALUATION OF AGRONOMIC PERFORMANCE OF DOMESTIC AND EXOTIC SOYBEAN GERMPLASM IN CROATIA

    Aleksandra Sudarić

    2006-12-01

    Full Text Available The collaboration and interchange of breeding materials between breeding programs worldwide is important and necessary to increase the amount of genetic diversity by incorporating unique exotic germplasm into existing domestic germplasm. The objective of this study was to measure and compare the agronomic performance of 15 soybean cultivars released by the Agricultural Institute Osijek (Croatia (OS-cultivars and 15 cultivars released by the University of Guelph (Canada (CA-cultivars in Croatia. Based on the comparison, parental combinations could be designed to introgress exotic germplasms from the CA-cultivars into Croatian. Agronomic performance was determined in field trials that were conducted at the experimental field of the Agricultural Institute Osijek during the period from 2002 to 2005. Quantitative traits were measured and analyzed for maturity, grain yield components, level and stability of grain yield, adaptability, lodging resistance and field tolerance to Peronospora manshurica. The results indicated higher agronomic performance of OS-cultivars compared to CA- cultivars. However, comparison of yield is only tentative because all but one OS cultivar were later maturing than the CA-cultivars. Among 15 tested CA-cultivars, five cultivars (OAC Millennium, OAC Champion, OAC Bayfield, OAC Auburn, OAC Wallace were identified as the most favorable for parental combinations in hybridization with OS-cultivars. The results of this study will enable strategic incorporation of diversity from exotic Canadian germplasm into the domestic Croatian germplasm to develop segregating populations from which new, genetically more diverse improved soybeanline, could be released.

  11. S-Genotype Profiles of Turkish Apricot Germplasm

    Kadir Ugurtan YILMAZ

    2016-06-01

    Full Text Available In flowering plants, gametophytic self-incompatibility, controlled by a single locus with several allelic variants, is one of the major problems preventing self-fertilization. Among fruit trees, apricots show to a high degree self-incompatibility, especially in Middle-Asian and Iranian-Caucasian eco-geographical groups. In the present study, self-(incompatibility characteristics of a total of 236 apricot genotypes (218 Turkish and 18 foreign found within the National Apricot Germplasms of Apricot Research Institute in Malatya, Turkey was studied. Analyses were carried out by using four primer pairs (SRc-F and SRc-R, EM-PC2consFD and EM-PC3consRD, AprSC8-R and PaConsI-F, AprFBC8-F and AprFBC8-R. A total of 11 S-RNase alleles (S2, S3, S6, S7, S8, S9, S11, S12, S13, S20 and Sc were determined in the 236 apricot genotypes. As Turkish and foreign apricot genotypes are determined mostly self-incompatible, the data obtained hereby might be of good use for apricot breeding programs and more practically, for apricot new plantations; thus pollinator cultivars should be considered when self-incompatible apricot cultivars are being used.

  12. Assesment of amylose and amylopectin variability in barley germplasm

    Barley grain is composed of carbohydrates, proteins, dietary fiber, vitamins and minerals. The present study was conducted to investigate the variability for amylose and amylopectin content in different accessions of wild and cultivated barley from different regions. Our results showed that apparent amylose content ranged from 14.1 to 35.8 percentage, 5.7 to 26.8 percentage and 13.9 to 36.2 percentage for wild barley, barley landraces and varieties, respectively. The highest range for amylopectin content was observed in barley landraces from 33.7 to 81.7 percentage with the highest mean average value and the lowest range from 39.9 to 63.7 percentage with 52.5 percentage mean average value was observed in wild barley for amylopectin content. Furthermore, we found that out of 157 accessions, 52 had an average content of amylose (20-30 percentage), whereas six accessions had more than 30 percentage of amylose content. Our results indicated that the wild barley and barley varieties had considerable variation for amylose and amylopectin ratio compared to barley landraces, which not only provided some useful information about the difference in the amount of amylose and amylopectin content among these barley accessions, but also offered some prospects of using selected germplasm for barley quality improvement in respect of preferred amylose and amylopectin content. (author)

  13. Genetic Divergence Analysis In Indigenous Maize Germplasms (Zea Mays L.

    K.N. Ganesan, G. Nallathambi, Thura Safawo, N. Senthil and P. M. Tamilarasi

    2010-07-01

    Full Text Available Assessing the genetic diversity is a pre-requisite for any breeding programme to select appropriate parents forhybridization. A total of 105 adapted maize germplasms lines were subjected to Mahalanobis D2analysis based on fourcharacteristics viz., plant height, cob height, cob length and number of kernel rows per cob in order to assess the genetic divergenceamong them. The analysis grouped the genotypes into four clusters. Among them, cluster IV was the largest with 53 genotypesfollowed by cluster II with 32 genotypes. The percent contribution of each traits for total divergence revealed the highestcontribution from Plant height followed by ear length, number of kernel rows per cob and ear height. The maximum intra-clusterdistance was observed in cluster II followed by cluster I and IV. The highest inter cluster distance was observed between cluster IIIand cluster IV followed by cluster I and III indicating greater variability in genetic make up of the genotypes included in theseclusters. Based on inter cluster distances, genotypes present in the clusters viz., I, III and IV are advisable to used as parents forhybridization programme to develop heterotic hybrids in maize.

  14. SSR Markers Associated with Proline in Drought Tolerant Wheat Germplasm.

    Iqbal, Muhammad Javid; Maqsood, Yasir; Abdin, Zain Ul; Manzoor, Atif; Hassan, Muhammad; Jamil, Amer

    2016-03-01

    Water stress causes major agricultural loss throughout the world as survival of the crops remained under stress and loss in yield. Plants respond to drought stress by means of different adaptive mechanisms such as accumulation of osmoprotectants to counteract the water stress. Amino acid proline is known to occur widely in higher plants and normally accumulates in large quantities as an osmolyte in response to environmental stresses. Biochemical estimation of proline was done in the drought-affected wheat genotypes by spectrophotometric method. Proline promoted a positive effect as root/shoot ratio was enhanced in wheat germplasm under drought stress. SSR primer pairs (45) were tested for polymorphism among selected wheat genotypes. The dendrogram results have shown the wheat genotype association with the levels of proline during induced drought stress. The relationship between pattern of drought responsive biochemical attributes and DNA markers in the selected wheat genotypes was recognized to select drought tolerant genotypes for sowing in drought affected areas of the country. PMID:26637362

  15. Expansion strategies of banks: does size matter?

    Luiz Fernando Rodrigues de Paula

    2002-01-01

    This paper discusses whether there is some evidence in recent literature that banks do obtain economies of scale and scope when they expand their activities, mainly by mergers and acquisitions (M&As). In this connection, this paper shows that, although there is no clear evidence that such economies have been reached by the banks, the final cost-benefit balance of M&As extracted from literature seems to favour the more universal financial franchise. However, these results are neither unequivo...

  16. Operational Risk – Challenges for Banking Industry

    Marija Knezevic

    2013-01-01

    Operational risk covers wide range of events that either produce no effect on financial result of the institution or can strongly harm it. Although it is present in the banking activity from its origins, industry interest increases during last decades of XX century. Basel II gave significant incentives in managing operational risk processes in banks all over the world. New, Basel III regulation imposes improvement in operational risk management indirectly, through guidelines for better manage...

  17. Bank profitability: Insights from the rural banking industry in Ghana

    Michael Adusei

    2015-12-01

    Full Text Available This paper analyzes the profitability of 112 rural banks (special unit banks created to promote rural financial intermediation in Ghana. The results generally show that bank size, funding risk, diversification, liquidity risk, and bank stability are significant predictors of rural bank profitability. Whereas an improvement in the funding risk of a rural bank in a particular period portends a drop in its profitability in the future, an improvement in the size, diversification, liquidity risk, and stability of a rural bank signifies an improvement in the future profitability of the bank.

  18. Revenue diversification in emerging market banks: implications for financial performance

    Ben Gamra, Saoussen; Plihon, Dominique

    2011-01-01

    Shaped by structural forces of change, banking in emerging markets has recently experienced a decline in its traditional activities, leading banks to diversify into new business strategies. This paper examines whether the observed shift into non-interest based activities improves financial performance. Using a sample of 714 banks across 14 East-Asian and Latin-American countries over the post 1997-crisis changing structure, we find that diversification gains are more than offset by the cost o...

  19. Foreign Funds for City Banks

    WANGPEI

    2005-01-01

    The rather straightforward restructuring of the Bank of Beijing became more arresting in January after Deutsche Bank was reported to be competing with its Dutch rival ING to purchase a stake in the local city commercial bank.

  20. International fuel bank

    The working group discusses the establishment of an international bank for nuclear fuels. The statements by representatives of seven countries discuss the specific features of a bank of this kind which is set up to facilitate access to nuclear fuels but also to permit a more rigid control in the sense of the non-proliferation philosophy

  1. Polymer bank notes

    Brian Lang

    2002-01-01

    In May 1999 the Reserve Bank issued its first polymer bank notes into circulation. By March 2000 all denominations had been converted from paper to polymer. By the end of 2001 approximately 110 million polymer notes had been issued into circulation. This article assesses the performance of polymer notes compared with our expectations at the time they were introduced.

  2. Organization of eye bank

    Comeal transplantation is the only method of combating the blindness due to corneal opacity caused by infections, malnutrition, trauma and hereditary diseases. Comeal blindness is more prevalent in the developing countries. The availability of the donor cornea, trained ophthalmic surgeons and microsurgery facilities are the key factors in restoring vision in-patients with comeal blindness. The eye bank organization is somewhat similar to that of blood bank. The eye bank should be located in a hospital or a medical centre in which a laboratory may be established for the evaluation and storage of donor tissue. The medical director (Ophthalmologist), technician, secretary and public relation officer are the persons who play an important role in the successful organization of eye bank. The function of the eye bank are procurement, assessment, processing, distribution of donor eyes/corneas, training of technicians/doctors, and conducting research related to storage of donor tissue and corneal transplantation. The necessary infrastructure required for the organization of an eye bank include separate accommodation area for the personnel and the laboratory, telephone, computer, refrigerator, laminar air flow hood. Slitlamp, specular microscope, storage media and equipment, instrument for enucleation of donor eyes, and a motor vehicle. The details of responsibilities of the staff of eye bank, source of donor eyes, suitability of donor material, procurement of the donor cornea, tissue assessment, storage and preservation, distribution of donor tissue, and limitation of eye bank will be discussed at the time of presentation

  3. Marketing of bank innovations

    T.A. Vasileva

    2011-01-01

    Full Text Available In the article it is determined the specificity of bank innovations. Level of their introduction in Ukraine is analyse. General tendencies in development of marketing of bank innovations are proved and the scientifically-methodical approach to an estimation of its efficiency is offered.

  4. iBank

    Bermundo, Cesar B.; Bermundo, Alex B.; Ballester, Rex C.

    2012-01-01

    iBank is a project that utilizes a software to create an item Bank that store quality questions, generate test and print exam. The items are from analyze teacher-constructed test questions that provides the basis for discussing test results, by determining why a test item is or not discriminating between the better and poorer students, and by…

  5. BANKING INTERMEDIATION AND CONSEQUENCES OF FINANCIAL CRISIS

    Medar Lucian-Ion

    2012-12-01

    Full Text Available The financial intermediation of bank institutions, has an essential role in mobilising of the available funds and their distribution in various products and services, for economic growth. The extent that banking system is in distress or passing through a period of crisis, then, everything turns into a general crisis, especially that, in some states, natural and legal persons have been learned ,,to live’’ on the credits.The effectiveness of banking intermediation activity in Romania depends on how fast the market is enabled under the influence of the new European regulations. The Romanian market in all its forms is the second largest in the EU, and the banking system is almost entirely made up of banks with foreign capital. The romanian banking market has not suffered so much because of the financial crisis. To the extent that banking institutions provide the necessary funds, Romania has important resources for the transition to a new economic cycle based on sustainable development.

  6. Stimulation of serotonin (5-HT) activity reduces spontaneous stereotypies in female but not in male bank voles (Clethrionomys glareolus) Stereotyping female voles as a new animal model for human anxiety and mood disorders?

    Schønecker, Bryan; Heller, Knud Erik

    2003-01-01

    Bank voles, Stereotypies, Sex differences, Clozapine, Citalopram, Animal model, Anxiety, Mood disorders......Bank voles, Stereotypies, Sex differences, Clozapine, Citalopram, Animal model, Anxiety, Mood disorders...

  7. The Solar Bank concept

    The Solar Bank is proposed to be established as a multinational wholesale lending institution supporting the adoption of solar photovoltaic (PV) systems by as much as 40% of the world's population. It would supply capital resources to local lending institutions such as banks, credit unions, cooperatives, and rural lending organizations in the developing countries, and to financial institutions in the developed countries. The Solar Bank is intended to be global in scope, with operations in the major countries. The Solar Bank will bring a degree of standardization to the process of making small loans to many people for the purchase of PV systems, and it will provide technical support and training to its participating financial institutions. 'Solar Bank International' is likely to be headquartered in Europe. (orig.)

  8. Bank Value and Financial Fragility

    Gobert, Karine; González, Patrick; Poitevin, Michel

    2002-01-01

    We propose a valuation model for a bank which faces a bankruptcy risk. Banks are identified with a possibly infinite random sequence of net benefits. A bank is solvent as long as its benefits remain non-negative. To preserve distressed banks from destruction, banks will be pooled within a financial coalition. When possible, those with current positive balance sheet will refinance those in need of liquidity. Banks are refinanced to the extent that their current needs for liquidity do not excee...

  9. THE DEVELOPMENT PREMISES OF THE BANKING SYSTEM IN ROMANIA

    NICOLETA-GEORGETA PANAIT

    2009-01-01

    Full Text Available The actual world economic crisis has proven once more that the banks are the primary force for an economic growth or for a recession. This major economic crisis has begun, in the first instance, at the banks level, there for in the banking system has developed a great void of banking liquidities. Many payments are done through banks and the lack of funds has slow down the payments, the loans, which led to a reduction of activity in the real economy for the companies, or even led to bankruptcy for one of them. The Romanian banks have their own liquidity strategies. Of course that the objective of all banks is maintaining and achieving a ratio and an optimum structure of assets and liabilities, so it may obtain a maximum value of incomes and a minimum value of negative effects of payments during rough situations.

  10. OVERVIEW OF THE CAAMPL EARLY WARNING SYSTEM IN ROMANIAN BANKING

    IMOLA DRIGĂ

    2011-01-01

    Full Text Available The uniform bank rating system is a specific instrument for the supervising activity and has its origins in the USA; it has later been borrowed by German, Italian, Great Britain authorities, which use influential components in their banking system; later on, their system was adopted by most central banks within the European Union. In Romania, the uniform bank rating system has been implemented by NBR (the National Bank of Romania since 2000; the specific components are: the capital adequacy (C, the quality of assets (A, the quality of the stock holding (A, the management (M, profitability (P, liquidities (L and sensitivity (S starting from the year 2005. For short, this system is called CAAMPL. The evaluation of these specific elements represents an important criterion for establishing a compound rating, which means assigning scores to each bank. The compound rating for the banking system is established based on economic – financial indicators and prudence indicators.

  11. Tissue allograft coding and traceability in USM Tissue Bank, Malaysia.

    Sheikh Ab Hamid, Suzina; Abd Rahman, Muhamad Nor Firdaus

    2010-11-01

    In Malaysia, tissue banking activities began in Universiti Sains Malaysia (USM) Tissue Bank in early 1990s. Since then a few other bone banks have been set up in other government hospitals and institutions. However, these banks are not governed by the national authority. In addition there is no requirement set by the national regulatory authority on coding and traceability for donated human tissues for transplantation. Hence, USM Tissue Bank has taken the initiatives to adopt a system that enables the traceability of tissues between the donor, the processed tissue and the recipient based on other international standards for tissue banks. The traceability trail has been effective and the bank is certified compliance to the international standard ISO 9001:2008. PMID:20582480

  12. Banking union and bank regulation: Banking sector stability in Europe

    Bremus, Franziska M.; Lambert, Claudia

    2014-01-01

    Despite the most recent period of calm on the financial markets, the long-term resilience of the European financial system is not yet assured, even several years after the financial crisis began. However, the stability of the financial system playsa crucial role for real economic development and consequently for growth and prosperity. The financial crisis has shown that stricter regulation is required to improve the stability and resilience of the banking system. Further, it has become eviden...

  13. Balanced economic indicators as a tool for effective management of banking risks

    S.V. Andros

    2011-01-01

    Processed system of key performance indicators of banking activities. Characteristic of the key performance indicators of the bank as parameters in the dynamic model. Set algorithm of key performance indicators balancing to determine allowable limit values of each indicator. The necessity of a balanced system of economic indicators as an effective tool for management of banking risks. A direction of bank development strategy using balanced economic indicators in the context of banking risks.

  14. COMPETITION IN THE BANKING SYSTEM OF REPUBLIC OF MOLDOVA

    Chetraru Aliona

    2011-07-01

    Full Text Available The banking system is one of the financial market segments which plays an important role in the financial circuit both at the country level and as a component of the international financial system. Developing a competitive banking system allows to avoid monopoly situations creating the possibility for each bank to be oriented to a certain range of services and products provided willing to increase continuously their quality and attractiveness. The dynamic analysis of effective competition in the domestic banking system would allow determination of factors with negative influence on the rate of participation of each bank in the total bank portfolio items, and also the possibility of reviewing the financial policies pursued in the banking sector. Study of bank system competition is a topic of interest both for financial analysts, and for authorities, given the opportunities arising: qualitative assessment of competition in the banking sector, verifying in which way the regulations in force have influenced the dynamics of competition, measuring the intensity of competition in the banking sector, detection, based on statistical analysis of competitive situation, of the main qualitative types (categories of financial institutions active in the financial market. Moldova's banking system, according to the results obtained by analyzing the competition, has a moderate competition, even if it is obvious its increasing trend. Banking policies, trends in international financial markets, internationalization of capital markets affect the position of the banking system on domestic financial market, implicitly calculating the contribution of each bank in the formation of the portfolio: bank assets, total regulatory capital, the volume of loans and deposits.

  15. The establishment of an in vitro gene bank in Dianthus spiculifolius Schur and D. glacialis ssp. gelidus (Schott Nym. et Kotschy Tutin: I. The initiation of a tissue collection and the characterization of the cultures in minimal growth conditions

    Mihaela Holobiuc

    2009-12-01

    Full Text Available In the last decades the plants have to cope with the warming of the climate. As a consequence of this process more than half of the plant species could become vulnerable or threatened until 2080. Romania has a high plant diversity, with endemic and endangered plant species, the measures of biodiversity conservation being necessary. The integrated approach of biodiversity conservation involves both in situ and ex situ strategies. Among ex situ methods of conservation, besides the traditional ones (including field and botanic collection and seed banks, in vitro tissues techniques offer a viable alternative. The germplasm collections can efficiently preserve the species (of economic, scientific and conservative importance, in the same time being a source of plant material for international exchanges and for reintroduction in the native habitats.The "in vitro gene banking" term refers to in vitro tissues cultures from many accessions of a target species and involves the collection of plant material from field or from native habitats, the elaboration of sterilization, micropropagation and maintaining protocols. These collections have to be maintained in optimal conditions, morphologically and genetically characterized. The aim of our work was to characterize the response of the plant material to the minimal in vitro growth protocol for medium-term cultures achievement as a prerequisite condition for an active gene bank establishment in two rare Caryophyllaceae taxa: Dianthus spiculifolius and D. glacialis ssp. gelidus. Among different factors previously tested for medium-term preservation in Dianthus genus, mannitol proved to be more efficient for minimal cultures achievement. In vitro, the cultures were evaluated concerning their growth, regenerability and enzyme activity (POX, SOD, CAT as a response to the preservation conditions in the incipient phase of the initiation of the in vitro collection. The two species considered in this study showed a

  16. The establishment of an in vitro gene bank in Dianthus spiculifolius Schur and D. glacialis ssp. gelidus (Schott Nym. et Kotschy Tutin: I. The initiation of a tissue collection and the characterization of the cultures in minimal growth conditions

    Mihaela Holobiuc

    2009-11-01

    Full Text Available In the last decades the plants have to cope with the warming of the climate. As a consequence of this process more than half of the plant species could become vulnerable or threatened until 2080. Romania has a high plant diversity, with endemic and endangered plant species, the measures of biodiversity conservation being necessary. The integrated approach of biodiversity conservation involves bothin situ and ex situ strategies. Among ex situ methods of conservation, besides the traditional ones (including field and botanic collection and seed banks, in vitro tissues techniques offer a viable alternative. The germplasm collections can efficiently preserve the species (of economic, scientific and conservative importance, in the same time being a source of plant material for international exchanges and for reintroduction in the native habitats.The "in vitro gene banking" term refers to in vitro tissuescultures from many accessions of a target species and involves the collection of plant material from field or from native habitats, the elaboration of sterilization, micropropagation and maintaining protocols. These collections have to be maintained in optimal conditions, morphologically and genetically characterized. The aim of our work was to characterize the response of the plant material to the minimal in vitro growth protocol for medium-term cultures achievement as a prerequisite condition for an active gene bank establishment in two rare Caryophyllaceae taxa: Dianthus spiculifolius and D. glacialis ssp. gelidus. Among different factors previously tested for medium-term preservation in Dianthus genus, mannitol proved to be more efficient for minimal cultures achievement. In vitro, the cultures were evaluated concerning their growth, regenerability and enzyme activity (POX, SOD, CAT as a response to the preservation conditions in the incipient phase of the initiation of the in vitro collection. The two species considered in this study showed a

  17. Corporate social responsibility of commercial banks in Nepal : manager's perception and bank's performance

    Adhikari, Sanjeeb

    2013-01-01

    This study explores manager ́s Corporate Social Responsibility (CSR) perceptions in commercial banks of Nepal, examines bank ́s actual CSR performances in the fiscal year 2011/12 and shows the association between manager ́s motive and CSR performances. Manager’s opinions are explored primarily on certain motives, as the reasons behind involving in CSR activities; implementation factors that influence the execution of CSR activities; and evaluation techniques that are using to evaluate the eff...

  18. The deposit operations of commercial banks of Ukraine, their organization and deposit policy

    Bobyl, V. V.; Kornilenko, M. S.

    2015-01-01

    The purpose. The work is devoted to the nature of the Deposit activity of the Bank, to highlight the features of the Deposit policy of the Bank and ways of increase of efficiency of management of the Deposit operations of the Bank. The basic problems faced by banks in implementing their Deposit activity, in particular: lack of active-passive operations of banks, the lack of resources accumulated by banking institutions to ensure the financial needs of the economy. The main ways to improve Dep...

  19. Does Islamic Banking Contribute to Economic Development? Evidence from Malaysia

    Hafas Furqani

    2008-08-01

    Full Text Available Does Islamic banking contribute to the economic development of a country? In what way Islamic banking contribute to the economic development? Are the main question might be asked to examine the viability of Islamic banking to the economic development. This paper attempts to answer those questions by examining the dynamic interactions between Islamic banking and economic development of Malaysia by employing the Cointegration test and Vector Error Model (VECM to see whether the Islamic financial system contributes to the economic development and economic development that contribute to the transformation of the operation of the Islamic financial system in the longrun. We use time series data of total Islamic bank financing (IB financing and real GDP per capita (RGDP, fixed investment (GFCF, and trade activities (TRADE to represent real economic sectors. We found that in the short-run only fixed investment that granger cause Islamic bank to develop for 1997:1-2005:4. Where as in the long-run, there is evidence of a bidirectional relationship between Islamic bank and fixed investment and there is evidence to support ‘demand following’ hypothesis of GDP and Islamic bank, where increase in GDP causes Islamic banking to develop and not vice versa. Islamic banking is also found to have less contribution to the international trade in the form of export and import of goods and services.Keywords: Islamic banking, economic growth, Malaysia, VECM

  20. Study on Diversity of Soybean Germplasm with Drought Resistance in Huang-Huai-Hai Region

    LU Gui-he; LIU Xue-yi; REN Xiao-jun; SHI Hong

    2002-01-01

    Fifty soybean germplasms with drought resistance selected from Huang-Huai-Hai Region were studied under field drought condition. The results showed that there was a diversity of drought resistance at different growth stages. Some varieties had drought resistance in whole growing period, but some only at one stage or several stages. Some varieties had both drought resistance and higher yield characters, some with drought resistance but lower yield. It was also found in present study that some drought resistant germplasms showed higher yield potentials under irrigation condition.

  1. The new peanut germplasm resources produced by gamma and neutron irradiation and their applications

    Three kinds of peanut seeds and plants (eary, mid, and late maturation) including more than ten varieties having different physiological states and at various developing stages were treated by gamma-ray and fast neutrons. The new 226 accessions of valuable germplasm have been obtained. Some of them are rare germplasm resources which have mutants of high lysine, high ratio of oleic/linoleic and high salt tolerance. These mutants are valuable in the genetic field. Through mutaion breeding the extremely early-maturation variety 'Luhua 6' and high yield aeriety 'P12' with stronger peg have been developed. At present they are being planted in the large area of China

  2. 12 CFR 980.3 - New business activity notice requirement.

    2010-01-01

    ... undertaking a new business activity, except as provided in § 980.4(b), a Bank shall submit to the Finance... 12 Banks and Banking 7 2010-01-01 2010-01-01 false New business activity notice requirement. 980.3 Section 980.3 Banks and Banking FEDERAL HOUSING FINANCE BOARD NEW FEDERAL HOME LOAN BANK ACTIVITIES...

  3. Bank selection and customers’ perception of banks in Malaysia

    Norhazlin Ismail; Zarehan Selamat; Ong Hway Boon

    2004-01-01

    The process customers go through in choosing a bank has been studied for several decades using different approaches. Understanding the needs and analyzing how the customers select their banks are crucial steps towards the improvement of customer satisfaction. In this study, an attempt is made to identify the determinants of bank selection and customers’ perception of banks in Malaysia.

  4. Genetic Diversity in A Core Subset of Wild Barley Germplasm

    Yong-Bi Fu

    2012-06-01

    Full Text Available Wild barley [Hordeum vulgare ssp. spontaneum (C. Koch Thell.] is a part of the primary gene pool with valuable sources of beneficial genes for barley improvement. This study attempted to develop a core subset of 269 accessions representing 16 countries from the Plant Gene Resources of Canada (PGRC collection of 3,782 accessions, and to characterize them using barley simple sequence repeat (SSR markers. Twenty-five informative primer pairs were applied to screen all samples and 359 alleles were detected over seven barley chromosomes. Analyses of the SSR data showed the effectiveness of the stratified sampling applied in capturing country-wise SSR variation. The frequencies of polymorphic alleles ranged from 0.004 to 0.708 and averaged 0.072. More than 24% or 7% SSR variation resided among accessions of 16 countries or two regions, respectively. Accessions from Israel and Jordan were genetically most diverse, while accessions from Lebanon and Greece were most differentiated. Four and five optimal clusters of accessions were obtained using STRUCTURE and BAPS programs and partitioned 16.3% and 20.3% SSR variations, respectively. The five optimal clusters varied in size from 15 to 104 and two clusters had only country-specific accessions. A genetic separation was detected between the accessions east and west of the Zagros Mountains only at the country, not the individual, level. These SSR patterns enhance our understanding of the wild barley gene pool, and are significant for conserving wild barley germplasm and exploring new sources of useful genes for barley improvement.

  5. Swiss Bank Accounts

    Brown, Martin; Döbeli, Barbara; Sauré, Philip

    2011-01-01

    We examine the origin of deposits with Swiss banks on a country-by-country basis for the period 1987-2007. We relate the volume of Swiss bank deposits for 99 countries to the taxation of personal income as well as to political governance in these countries. Our results suggest that higher taxation in origin countries is not associated with a larger volume of deposits with Swiss banks. Our results do show however that countries with weak political governance, e.g. corruption, internal conflict...

  6. PENGELOLAAN LIKUIDITAS BANK SYARIAH

    Nurul Ichsan

    2014-01-01

    Islamic Banking Liquidity Management.  this  article  is about management of liquidity which discuss about the position of cash money in the company and its ability to fulfill the obligation (pay the debt) on time. Management of liquidity is one of the essential function which is done by banking institution and inside its efficient management, is needed instrument and finance market which is taking not only short term but also long term, and not only conventional banking but also syariat. Thr...

  7. PERCEIVED BARRIERS OF INNOVATIVE BANKING AMONG MALAYSIAN RETAIL BANKING CUSTOMERS

    Jayaraman Munusamy

    2012-04-01

    Full Text Available This study aims to identify perceptual barriers of Internet banking adoption among Malaysian retail banking customers. The per ceptual barrier factors that analyzed were difficulty to operate, hassle to use, unreliable, perceived risk and high connection fees. This study employs a quantitative approach using questionnaire survey at selected banks in Malaysia. The results indicate that there are significant barriers exist in the perception of Internet banking adoption among Malaysian retail banking customers. The results indicate several implications for bank managers to change the perceptions of retail internet banking customers.

  8. Metamorphosis of Banking Products - A Perception of Bank Employees

    Harshita B

    2015-08-01

    Full Text Available Banking products are undergoing major changes due to extensive use of it and changing demands of the customers in current scenario. This study basically focuses on the changes came into banking industry and its impact on customers base and bank profits. Data is collected from 50 employees of both private and public sector banks with the help of questionnaire. Hence we can conclude that all banks are providing almost similar products and services to satisfy their customers fully. The continous metamorphsis of banking products not only results in improvement of customer base but also has positive impact on the profits of the bank. Private sector banks are earning more profits as a result of metamorphosis of traditional banking products in comparison to public sector bank.

  9. Radio-loud Active Galaxies in the Northern ROSAT All-Sky Survey. III. New Spectroscopic Identifications from the RASS endash Green Bank BL Lacertae Survey

    We present new spectroscopic identifications for 169 objects in the RASS endash Green Bank (RGB) catalog of radio- and X-ray endash emitting active galactic nuclei (AGNs). The data presented here significantly increase the fraction of bright RGB objects with classifications. Specifically, we report and discuss the classification of 57 radio-loud quasars, eight radio-quiet quasars (QSOs), 53 BL Lacs, 32 broad-line radio galaxies, five narrow-line radio galaxies, three Seyfert I galaxies, and 11 galaxies or galaxies in clusters. Over 78% of the identifications we present here are the first published classifications for these sources. The observations we report were undertaken as part of our targeted search program to identify a new, large unbiased sample of BL Lac objects, and we therefore discuss the BL Lac sample extensively. Unlike many previous surveys, we impose no selection criteria based on optical morphology, color, or broadband spectral energy distribution. Our classifications are based solely on a carefully defined set of self-consistent spectroscopic classification criteria. These criteria are then carefully evaluated, and particular attention is paid to issues involving the classification and description of BL Lacs. The criteria yielded BL Lac classifications for 53 RGB objects, 38 of which were are newly discovered BL Lacs. We show these RGB BL Lacs exhibit transitional properties between normal galaxies and BL Lacs discovered in previous radio and X-ray surveys. We briefly discuss the broadband flux distributions of these new RGB BL Lacs and the range of Ca ii H and K break contrasts (Br4000) they exhibit. We show that there is no clear separation in Br4000 between BL Lacs and galaxies detected in the RGB survey, with the distribution of break strengths varying smoothly between 0% and 50%. We also present and use a simple method based on the break strength to estimate the contribution of both the host galaxy and AGN to the 4000 Angstrom flux. We also

  10. Efficiency of Commercial Banks in Malaysia

    Mohd. Azmi Omar; Abdul Rahim Abdul Rahman; Rosylin Mohd. Yusof; M. Shabri Abd. Majid; Mohd. Eskandar Shah Mohd. Rasid

    2006-01-01

    This study investigates the change in the productivity of banking industry during the period of 2000 to 2004. The data consists of a panel of 11 commercial banks in Malaysia namely Malayan Banking, Bumiputra-Commerce, Public Bank, RHB Bank, Hong Leong Berhad, EON Bank, Affin Bank, Southern Bank Berhad, Bank Islam Malaysia Berhad (BIMB), Ambank and Bank Muamalat. Productivity is measured by the Malmquist index, using a Data Envelopment Analysis (DEA) technique. The Malmquist productivity measu...

  11. The Bulgarian Banks' competitiveness: the case of Remote banking

    Bojidar Bojinov

    2003-01-01

    The new information technologies adoption and e-commerce emergence change the role of financial intermediaries in new E-conomy. During the last years, the banks have started an expansion to the web – they offer broad range of traditional bank products and services via Internet. The remote banking becomes one of the main channels for bank services distribution. This paper presents results from a research, which aims to describe actual picture of remote banking products and services offered by ...

  12. Statistical comparison of comparable banking products in selected banks

    Elstnerová, Lucie

    2011-01-01

    The diploma thesis describes the current situation in the market of commercial banks in the Czech Republic, analyzes products offer in selected banks depending on the client preferences of individual commercial banks, and evaluates the influences and circumstances that determine the behavior of clients in relation to banks and financial products. Furthermore, it assesses the impact of demographic, social and economic factors on the usage of offered banking products. The thesis also includes a...

  13. Computerization of Rural Banks in Ghana-Issues and Challenges

    G.O. Ofori-Dwumfuo

    2012-09-01

    Full Text Available This study assesses issues and challenges encountered in a computerization project being carried out by the ARB Apex Bank to connect rural and community banks in Ghana. Computerization of banking has been going on in the country for some time now. Unlike the commercial banks, the rural banks lag behind with regards to computer and networking technologies. The ARB Apex Bank therefore embarked on the project to make the benefits of such technologies available to member rural banks. The study selected some rural banks engaged in the first phase of the project. Fifty respondents sampled from staff of the selected banks and experts involved in the project, were interviewed. The study concluded that, on the whole, the project was well designed and implemented; envisaged challenges were adequately specified and catered for and that the first phase progressed successfully. Staff beneficiaries were found to be actively involved in the project and majority of them agreed that the project was within time and budget. The study identified that, on completion, the project will enable the rural banks compete favourably with the commercial banks in the financial market. This will lead to improved service delivery to customers and greater customer satisfaction. In addition, complete computerization and networking will lead to improved monitoring of rural banks in order to reduce financial malpractices. The project will also promote intra/inter bank transactions, peer interaction and peer monitoring among the networked members. The aggregate returns will bring greater efficiency, lower cost of operation and increased profitability and sustainability to the Ghanaian rural banks.

  14. The Corporate Governance of Banks

    Hummel, Detlev

    2013-01-01

    1. Introduction 2. The role of banks and what is different in banks? 3. Corporate Governance and risk management 4. Risk taking and executive board composition 5. Compensation structures – how to improve models for banks? 6. Banking supervision and regulation 7. Reform of European institutions for financial stability

  15. Filter Bank Fusion Frames

    Chebira, Amina; Mixon, Dustin G

    2010-01-01

    In this paper we characterize and construct novel oversampled filter banks implementing fusion frames. A fusion frame is a sequence of orthogonal projection operators whose sum can be inverted in a numerically stable way. When properly designed, fusion frames can provide redundant encodings of signals which are optimally robust against certain types of noise and erasures. However, up to this point, few implementable constructions of such frames were known; we show how to construct them using oversampled filter banks. In this work, we first provide polyphase domain characterizations of filter bank fusion frames. We then use these characterizations to construct filter bank fusion frame versions of discrete wavelet and Gabor transforms, emphasizing those specific finite impulse response filters whose frequency responses are well-behaved.

  16. Protein Data Bank (PDB)

    U.S. Department of Health & Human Services — The Protein Data Bank (PDB) archive is the single worldwide repository of information about the 3D structures of large biological molecules, including proteins and...

  17. Banking on the Nation

    Ravn Sørensen, Anders

    2015-01-01

    In this article, I analyse the narratives of four Danish central bank governors from the late nineteenth century until the mid-1990s. By conducting a historical analysis informed by neo-institutional theory, I show how these central bank governors were continuously involved in public debates over...... the appropriateness and desirability of their decisions and policies. In these debates, interpretations and reproductions of Danish national identity were central to the governors' claims to legitimacy. I argue that past narratives of the Danish central bank and its governors enabled and framed future...... legitimacy claims and that the central bank and its governors gradually became embedded in national identity. Thus, the article highlights the historical development of the co-configuring relationship between Danish national identity and the legitimacy of monetary organization....

  18. Banking on technology.

    Bolster, Carole J

    2007-04-01

    New technology is being used by banks to help providers improve their revenue cycle through: Digital lockbox service. Remote deposit. Web-based payment. Automated payment processing at the point of service. PMID:17427461

  19. Consumer protection in banking

    Pohanková, Martina

    2013-01-01

    In real world, a market functioning is not perfect. Usually, there is one party in a contract that has weaker position than the other one. In a consumer contract it is a consumer who does not have sufficient information and knowledge. In developed countries, a consumer protection is therefore a part of law regulation. The thesis deals with the consumer protection in banking. It focuses on general topics as well as specific topics, such as banking accounts, electronic fund transfers and consum...

  20. Debt, Taxes, and Banks

    Michael Keen; Ruud A. de Mooij

    2012-01-01

    Understanding the impact of the asymmetric tax treatment of debt and equity on the capital structures of financial institutions is critical to shaping and assessing responses to the problem of excessive leverage that underlay the 2009 financial crisis - but there is no empirical evidence to draw on. Guided by a simple model of banks? financing decisions in the presence of both regulatory constraints and tax asymmetries, this paper explores the impact of corporate tax bias on bank leverage, th...

  1. Central Bank independence

    Vasile DEDU; Tiberiu STOICA

    2012-01-01

    In this paper we present the key aspects regarding central bank’s independence. Most economists consider that the factor which positively influences the efficiency of monetary policy measures is the high independence of the central bank. We determined that the National Bank of Romania (NBR) has a high degree of independence. NBR has both goal and instrument independence. We also consider that the hike of NBR’s independence played an important role in the significant disin...

  2. International Banking in Cyprus

    Yiallouros, Kristie

    2009-01-01

    The purpose of this dissertation is to analyze the sector of the Cyprus economy that deals with the International Banking or Offshore Banking as otherwise is being called in Cyprus. During the last two decades the island of Cyprus has managed to establish itself as a reputable international financial centre. Therefore the literature review of this paper examines the research theme from two different aspects. First it examines the financial system of Cyprus as related to international ban...

  3. Securitization and Bank Stability

    Di Cesare, Antonio

    2009-01-01

    This paper analyzes the effects of CDO issuance on the risk of default of banks. Previous literature showed that the overall riskiness of a bank can increase when it sells part of the loans in its portfolio by issuing a CDO of which it retains the equity tranche. Using Monte Carlo simulations, this paper confirms previous results but also highlights that they can change substantially if one modifies the hypothesis regarding how the proceeds of securitizations are reinvested. The assessment of...

  4. Norges Bank Watch 2003

    Ekeli, Thomas; Haug, Anne Kari; Houg, Kjetil; Steigum, Erling, Jr

    2003-01-01

    The Centre for Monetary Economics (CME) at the BI Norwegian School of Management has for the fourth time invited a committee of economists to participate on Norges Bank Watch, with the objective of evaluating the monetary policy regime in Norway and Norges Bank’s conduct of monetary policy. This time the committee has focused on the conduct of policy rather than addressing institutional issues. The committee refers to Norges Bank Watch 2002 for a detailed assessment of the mone...

  5. Norges Bank Watch 2002

    Svensson, Lars E.O.; Houg, Kjetil; Solheim, Haakon O. Aa.; Steigum, Erling, Jr

    2002-01-01

    The Centre for Monetary Economics (CME) at the Norwegian School of Management BI has for the third time invited a committee of economists for Norges Bank Watch, with the objective to evaluate the monetary-policy regime in Norway and Norges Bank’s conduct of monetary policy. The committee for Norges Bank Watch 2002 consists of Professor Lars E.O. Svensson (chair), Princeton University, Chief Economist Kjetil Houg, Alfred Berg, Doctorate Student Haakon O.Aa. Solheim, Norwegian ...

  6. Banking structure redesigned

    VARMA, VIJAYA KRUSHNA

    2009-01-01

    Banking structure is redesigned to make India a fully digital nation and to usher in 100% E-governance. Multi dimensional and multipurpose savings account - It is the main keel of this restructured banking. Purpose of this multi dimensional account 1. This savings account can be used for receiving, storing and spending of money. 2. It can be used for buying, selling and holding property rights of immovable properties like lands, plots, flats and commercial establishments. 3...

  7. Bank collapse and depression

    Bryant, John

    1980-01-01

    The recurrent banking panics of the 19th century and the Great Depression of the 1930s are widely viewed as failures of our economic system. A simple version of Samuelson’s overlapping generations model is used to generate such failures of Walrasian equilibrium. The spontaneous “panics” generated involve a collapse of bank credit, causing in turn a drop in investment demand. The model suggests that both the recent technological advances in the intermediation industry and the current move towa...

  8. Features Of Legislation On The Bank Account Agreement Development

    Mariya Y. Katvickaya

    2014-01-01

    In the present article the basic stages of legislation on bank accounts in Russia development are analyzed. Author research features of accounts regulation in Russian Empire, Soviet Union and in modern conditions. It is noted that active development of operations on bank accounts and emergence of new types of bank accounts in Russia takes place in the second half of the XIX century. Account, at that time was considered as a kind of deposits on demand. In the Soviet period legal regulation of ...

  9. Importance of Assessing and Managing Credit Risk in Banking Institutions

    Florea Dragos

    2012-01-01

    Credit market is in a continuous and complex process of adaptation of offered products and services, duet o the competition between banks, competition generated also by the globalization effects of economic activities. In these terms, the banks are obligated to consolidate their position on the market by identification the ratio between risk and profit, so that it can be assured business continuity. For the banks to be able to maintain on the market it is necessary that they comply with the s...

  10. Bank Lending Shocks and the Euro Area Business Cycle

    Peersman, G.

    2011-01-01

    I estimate the impact of different types of bank lending shocks on the euro area economy. I first show that the dynamic effects depend on the type of shock. Whereas surges in lending caused by shocks at the supply side of the banking market have a significant positive impact on economic activity and inflation, exactly the opposite is the case for exogenous lending demand shocks. Second, the macroeconomic relevance of bank lending shocks is considerable. Overall, they account for more than hal...

  11. Accounting for Financial Instruments in the Banking Industry

    Gebhardt, Günther; Reichardt, Rolf; Wittenbrink, Carsten

    2002-01-01

    Recent changes in accounting regulation for financial instruments (SFAS 133, IAS 39) have been heavily criticized by representatives from the banking industry. They argue for retaining a historical cost based mixed model where accounting for financial instruments depends on their designation to either trading or nontrading activities. In order to demonstrate the impact of different accounting models for financial instruments on the financial statements of banks, we develop a bank simulation m...

  12. The return to retail and the performance of US banks

    Beverly J. Hirtle; Kevin J. Stiroh

    2005-01-01

    The U.S. banking industry is experiencing a renewed focus on retail banking, a trend often attributed to the stability and profitability of retail activities. This paper examines the impact of banks' retail intensity on performance from 1997 to 2004 by developing three complementary definitions of retail intensity (retail loan share, retail deposit share, and branches per dollar of assets) and comparing these measures with both equity market and accounting measures of performance. We find tha...

  13. Bank Lending in Project Finance: The New Regulatory Capital Framework

    Enzo Scannella

    2012-01-01

    The paper aims to examine the new regulatory framework of project finance in the economics of banking firms. In particular, the paper investigates the uniqueness of the project finance, the significant importance of the project finance in bank activity, and the role of the new bank capital requirements to promote the innovative financial scheme. In the project finance business loans terms and characteristics are primarily based on the assets and quality of the project to be financed. It means...

  14. Latest Developments in China's Banking Reform, Opening-up and Supervision

    2005-01-01

    @@ China Banking Regulatory Commission (CBRC) was authorized by law to regulate and supervise all the banking institutions in China and their business activities. CBRC plays an active role in China's banking reform. According to a press release by the State Council on December 5, under the leadership of the central government and the guidance of Deng Xiaoping Theory and the important thought of" Three Represents," the CBRC continues to practise the scientific concept of development, deepen the banking reform, further the opening up and enhance banking supervision, so as to ensure a safe and sound development of China's banking sector.

  15. Latest Developments in China's Banking Reform, Opening-up and Supervision

    2005-01-01

      China Banking Regulatory Commission (CBRC) was authorized by law to regulate and supervise all the banking institutions in China and their business activities. CBRC plays an active role in China's banking reform. According to a press release by the State Council on December 5, under the leadership of the central government and the guidance of Deng Xiaoping Theory and the important thought of" Three Represents," the CBRC continues to practise the scientific concept of development, deepen the banking reform, further the opening up and enhance banking supervision, so as to ensure a safe and sound development of China's banking sector.……

  16. The World Bank and the environment

    1990-01-01

    In September 1989 the World Bank set out a three-year agenda for action to combat environmental degradation. The main goal of this agenda has been the integration of environmental concerns into the Bank's development work. This report- the Bank's first annual report on the environment - reviews progress in this area during fiscal 1990 (July 1989 - June 1990). Environmental concerns were addressed in Bank operations during FY90 through country-focused environmental strategy work, policy and research activities, and lending operations. Five problem areas required special attention: destruction of natural habitats; land degradation; degradation and depletion of fresh water resources; urban, industrial, and agricultural pollution; and degradation of the global commons' through, for example, atmospheric and marine pollution. The book describes not only the Bank's successes in its environmental work but also the problems it has encountered. It raises important questions about whether real progress can be made by the Bank if inadequate resources are devoted to supervision, project monitoring, and environmental regulation.

  17. THE IMPACT OF GLOBALISATION ON BANKING SERVICE QUALITY IN ZIMBABWE (2003-2008

    KOSMAS NJANIKE

    2010-01-01

    Full Text Available The study sought to investigate the impact of globalization on the quality of products in a developing economy banking sector. The objectives of the research were to ascertain whether globalisation helps restore or maintain confidence in the banking sector; ensure a sound financial sector; helps reduce fraudulent activities and whether the implementation of global measures improves the quality of products in the banking sector. Zimbabwe banking sector was used as a case study. Questionnaires and interviews were used to collect the data in addition to documentary review. It was found that globalization ensures efficient service delivery as human bank tellers; long queues and underutilisation of internetwere still in existence in the banking system. Globalisation of the banking sector is essential in that it brings new technology which help improve banking services and infrastructure hence reduce fraudulent activities, new risk management techniques and increased confidence in the banking sector.

  18. The Empirics of Banking Regulation

    Tchana Tchana, Fulbert

    2008-01-01

    This paper empirically assesses whether banking regulation is effective at preventing banking crises. We use a monthly index of banking system fragility, which captures almost every source of risk in the banking system, to estimate the effect of regulatory measures (entry restriction, reserve requirement, deposit insurance, and capital adequacy requirement) on banking stability in the context of a Markov-switching model. Our methodology is less prone to selection and simultaneity bias which a...

  19. New Issues in Bank Regulation

    Mohsin S. Khan

    2002-01-01

    Deregulation, technology, and financial innovation are transforming banking. Indeed, banking is no longer the business it was even a few decades ago. The way banking services are provided has changed dramatically, and in many countries they are even offered by institutions that are quite different from traditional banks. As the old institutional demarcations become increasingly irrelevant, increased competition from other intermediaries has led to a decline in traditional banking in which ban...

  20. Risk Assessment for Banking Systems

    Helmut Elsinger; Alfred Lehar; Martin Summer

    2002-01-01

    In this paper we suggest a new approach to risk assessment for banks. Rather than looking at them individually we try to undertake an analysis at the level of the banking system. Such a perspective is necessary because the complicated network of mutual credit obligations can make the actual risk exposure of banks invisible at the level of individual institutions. We apply our framework to a cross section of individual bank data as they are usually collected at the central bank. Using standard...