Ex Vivo Expansion of Functional Human UCB-HSCs/HPCs by Coculture with AFT024-hkirre Cells

Directory of Open Access Journals (Sweden)

Muti ur Rehman Khan

2014-01-01

Full Text Available Kiaa1867 (human Kirre, hKirre has a critical role in brain development and/or maintenance of the glomerular slit diaphragm in kidneys. Murine homolog of this gene, mKirre expressed in OP9 and AFT024 cells could support hematopoietic stem cells/hematopoietic progenitor cells (HSC/HPC expansion in vitro. HKirre is also expressed in human FBMOB-hTERT cell line and fetal liver fibroblast-like cells but its function has remained unclear. In this paper, we cloned a hKirre gene from human fetal liver fibroblast-like cells and established a stably overexpressing hKirre-AFT024 cell line. Resultant cells could promote self-renewal and ex vivo expansion of HSCs/HPCs significantly higher than AFT024-control cells transformed with mock plasmid. The Expanded human umbilical cord blood (hUCB CD34+ cells retained the capacity of multipotent differentiation as long as 8 weeks and successfully repopulated the bone marrow of sublethally irradiated NOD/SCID mice, which demonstrated the expansion of long-term primitive transplantable HSCs/HPCs. Importantly, hkirre could upregulate the expressions of Wnt-5A, BMP4, and SDF-1 and downregulate TGF-β with other hematopoietic growth factors. By SDS-PAGE and Western Blot analysis, a ~89 kDa protein in total lysate of AFT024-hKirre was identified. Supernatants from AFT024-hkirre could also support CD34+CD38− cells expansion. These results demonstrated that the AFT024-hKirre cells have the ability to efficiently expand HSCs/HPCs.

Tension Builds over AFT Reform Agenda

Science.gov (United States)

Sawchuk, Stephen

2012-01-01

Can a teachers' union successfully be both a hardball-playing defender of its rights and a collaborative force for the common good? It is both a question of philosophy and, increasingly, one of policy direction for the American Federation of Teachers (AFT), whose biennial convention in Detroit showed delegates grappling with the tension between…

AFT Chief Promises Due-Process Reform

Science.gov (United States)

Sawchuk, Stephen

2010-01-01

The president of the American Federation of Teachers (AFT), Randi Weingarten, is putting the sensitive issue of due process on the education reform table, with a pledge to work with districts to streamline the often-cumbersome procedures for dismissing teachers who fail to improve their performance after receiving help and support. She has also…

26 CFR 1.581-2 - Mutual savings banks, building and loan associations, and cooperative banks.

Science.gov (United States)

2010-04-01

... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Mutual savings banks, building and loan... § 1.581-2 Mutual savings banks, building and loan associations, and cooperative banks. (a) While the... deduction provided in section 172, any taxable year for which a mutual savings bank, building and loan...

NCLB: Its Problems, Its Promise. AFT Teachers Policy Brief Number 18

Science.gov (United States)

American Federation of Teachers, 2004

2004-01-01

Although committed to the core goals of the 2001 No Child Left Behind Act (NCLB), the American Federation of Teachers (AFT) advocates that flaws remain in the law and its implementation in the areas of: (1) Accountability, Adequate Yearly Progress (AYP) and Assessments; (2) Teacher Quality; (3) Paraprofessionals; (4) School Improvement and Public…

An evaluation of computerized adaptive testing for general psychological distress: combining GHQ-12 and Affectometer-2 in an item bank for public mental health research.

Science.gov (United States)

Stochl, Jan; Böhnke, Jan R; Pickett, Kate E; Croudace, Tim J

2016-05-20

Recent developments in psychometric modeling and technology allow pooling well-validated items from existing instruments into larger item banks and their deployment through methods of computerized adaptive testing (CAT). Use of item response theory-based bifactor methods and integrative data analysis overcomes barriers in cross-instrument comparison. This paper presents the joint calibration of an item bank for researchers keen to investigate population variations in general psychological distress (GPD). Multidimensional item response theory was used on existing health survey data from the Scottish Health Education Population Survey (n = 766) to calibrate an item bank consisting of pooled items from the short common mental disorder screen (GHQ-12) and the Affectometer-2 (a measure of "general happiness"). Computer simulation was used to evaluate usefulness and efficacy of its adaptive administration. A bifactor model capturing variation across a continuum of population distress (while controlling for artefacts due to item wording) was supported. The numbers of items for different required reliabilities in adaptive administration demonstrated promising efficacy of the proposed item bank. Psychometric modeling of the common dimension captured by more than one instrument offers the potential of adaptive testing for GPD using individually sequenced combinations of existing survey items. The potential for linking other item sets with alternative candidate measures of positive mental health is discussed since an optimal item bank may require even more items than these.

Adaptation funding and the World Bank investment framework initiative. Background Report prepared for the Gleneagles Dialogue Government Working Groups

International Nuclear Information System (INIS)

Mueller, B.

2006-06-01

The recent World Bank Report on 'Clean Energy and Development: Towards an Investment Framework' estimates that 'climateproofing' investments in developing countries - excluding additional investment needed to reduce the exposure to current climate risks and unavoided climate related damages - would cost between $9 and $41 billions annually. This raises two key questions that the government working groups in Mexico might wish to consider: The first question is How are the costs of climate-proofing investments in particular, and adaptation in general to be covered and managed? Depending on the types of costs related to adaptation and impacts, different forms of disbursement will have to be used to achieve the desired results. A number of financial tools are already in place or are being introduced which could be used for this purpose. Apart from the traditional instruments used in climate change funding to-date - such as the hitherto sole operating entity of the financial mechanism of the UNFCCC, i.e. the GEF - there are the following: The World Bank concept of an Investment Framework - this is probably most suited to deal with the transfer of adaptation technologies; Climate impact risks could be addressed through insurance-related instruments - these might be strictly climate related, or more general, such as the proposed European Commission / World Bank Global Index Insurance Framework; The funding of relief efforts connected with climate/weather related disasters is probably best dealt with through the proposed reform of existing disaster relief fund, administered by the UN Office for the Coordination of Humanitarian Affairs (OCHA); and Economic shocks due to whether related disasters could be dealt with through the Exogenous Shock Facility of the IMF. The instruments for disbursement of adaptation funding thus need not deal solely with climate change aspects, nor is necessary that they should be governed exclusively by the UNFCCC (COP) or the Kyoto Protocol (COP

Autogenic-Feedback Training Exercise (AFTE) Method and System

Science.gov (United States)

Cowings, Patricia S. (Inventor)

1997-01-01

The Autogenic-Feedback Training Exercise (AFTE) method of the present invention is a combined application of physiologic and perceptual training techniques. such as autogenic therapy and biofeedback. This combined therapy approach produces a methodology that is appreciably more effective than either of the individual techniques used separately. The AFTE method enables sufficient magnitude of control necessary to significantly reduce the behavioral and physiologic reactions to severe environmental stressors. It produces learned effects that are persistent over time and are resistant to extinction and it can be administered in a short period of time. The AFTE method may be used efficiently in several applications, among which are the following: to improve pilot and crew performance during emergency flying conditions; to train people to prevent the occurrence of nausea and vomiting associated with motion and sea sickness, or morning sickness in early pregnancy; as a training method for preventing or counteracting air-sickness symptoms in high-performance military aircraft; for use as a method for cardiovascular training, as well as for multiple other autonomic responses, which may contribute to the alleviation of Space Motion Sickness (SMS) in astronauts and cosmonauts; training people suffering from migraine or tension headaches to control peripheral blood flow and reduce forehead and/or trapezius muscle tension; training elderly people suffering from fecal incontinence to control their sphincter muscles; training cancer patients to reduce the nauseagenic effects of chemotherapy; and training patients with Chronic Intestinal Pseudo-obstruction (CIP).

12 CFR Appendix 1 to Part 24 - CD-1-National Bank Community Development (Part 24) Investments

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false CD-1-National Bank Community Development (Part 24) Investments 1 Appendix 1 To Part 24 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF... PUBLIC WELFARE INVESTMENTS Pt. 24, App. 1 Appendix 1 To Part 24—CD-1—National Bank Community Development...

Danske Bank - Imagekrise

OpenAIRE

Agerlin, Anne; Holmqvist, Maja

2014-01-01

This report examines and analyses the difference between Danske Bank's perception of themselves and the world's perception of the bank. The difference is illustrated, because tendency shows that boundaries have an effect on Danske Bank's image. We search through collected articles in a social constructivist perspective to handle both Danske Bank’s perception and the world’s perception. The empirical foundation has made it possible to process and interpret the stated problems. The adaptation i...

Clearance Analysis of Node 3 Aft CBM to the Stowed FGB Solar Array

Science.gov (United States)

Liddle, Donn

2014-01-01

In early 2011, the ISS Vehicle Configuration Office began considering the relocation of the Permanent Multipurpose Module (PMM) to the aft facing Common Berthing Mechanism (CBM) on Node 3 to open a berthing location for visiting vehicles on the Node 1 nadir CBM. In this position, computer-aided design (CAD) models indicated that the aft end of the PMM would be only a few inches from the stowed Functional Cargo Block (FGB) port solar array. To validate the CAD model clearance analysis, in the late summer of 2011 the Image Science and Analysis Group (ISAG) was asked to determine the true geometric relationship between the on-orbit aft facing Node 3 CBM and the FGB port solar array. The desired measurements could be computed easily by photogrammetric analysis if current imagery of the ISS hardware were obtained. Beginning in the fall of 2011, ISAG used the Dynamic Onboard Ubiquitous Graphics (DOUG) program to design a way to acquire imagery of the aft face of Node 3, the aft end-cone of Node 1, the port side of pressurized mating adapter 1 (PMA1), and the port side of the FGB out to the tip of the port solar array using cameras on the Space Station Remote Manipulator System (SSRMS). This was complicated by the need to thread the SSRMS under the truss, past Node 3 and the Cupola, and into the space between the aft side of Node 3 and the FGB solar array to acquire more than 100 images from multiple positions. To minimize the number of SSRMS movements, the Special Purpose Dexterous Manipulator (SPDM) would be attached to the SSRMS. This would make it possible to park the SPDM in one position and acquire multiple images by changing the viewing orientation of the SPDM body cameras using the pan/tilt units on which the cameras are mounted. Using this implementation concept, ISAG identified four SSRMS/SPDM positions from which all of the needed imagery could be acquired. Based on a photogrammetric simulation, it was estimated that the location of the FGB solar array could be

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

Directory of Open Access Journals (Sweden)

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.

Development of an item bank for the EORTC Role Functioning Computer Adaptive Test (EORTC RF-CAT)

DEFF Research Database (Denmark)

Gamper, Eva-Maria; Petersen, Morten Aa.; Aaronson, Neil

2016-01-01

a computer-adaptive test (CAT) for RF. This was part of a larger project whose objective is to develop a CAT version of the EORTC QLQ-C30 which is one of the most widely used HRQOL instruments in oncology. METHODS: In accordance with EORTC guidelines, the development of the RF-CAT comprised four phases...... with good psychometric properties. The resulting item bank exhibits excellent reliability (mean reliability = 0.85, median = 0.95). Using the RF-CAT may allow sample size savings from 11 % up to 50 % compared to using the QLQ-C30 RF scale. CONCLUSIONS: The RF-CAT item bank improves the precision...

77 FR 5420 - Airworthiness Directives; Aeronautical Accessories Inc. High Landing Gear Aft Crosstube Assembly

Science.gov (United States)

2012-02-03

.... Either the number of landings or takeoffs may be counted. (i) Create a component history card or... later part-numbered aft crosstube already has limits established) and creating a component history card... of 20,000 takeoffs and landings for aft crosstube P/N 412 321 304; creating a component history card...

In Pennsylvania Primary, AFT Hits the Streets

Science.gov (United States)

Hoff, David J.

2008-01-01

Every day, 14 retired teachers and other school employees arrive at the Philadelphia Federation of Teachers' headquarters and go to work for Hillary Rodham Clinton. The retirees--working with volunteers and union staff members from as far away as Alaska--are working to inform teachers' union members why the American Federation of Teachers (AFT)…

MODEL KONSEPTUAL UNTUK MENGUKUR ADAPTABILITAS BANK SAMPAH DI INDONESIA

Directory of Open Access Journals (Sweden)

Helena J Kristina

2014-01-01

can be maximized. The effective and efficient system is encapsulated in a process known as adaptability process. The adaptability of a garbage bank is the capability of a garbage bank system to react positively when the process or condition of key factors changes. The absence of research on the measurement of garbage bank adaptability system in Indonesia has given an idea to present this paper which is a conceptual model for measuring it, in hopes to form a deep understanding of the whole problem or element system that make up the adaptability system of a garbage bank. If the adaptability of this system can be observed and measured, in the future it will be useful for decision making in the allocation of resources and sustainability planning process of garbage bank management. Keywords : garbage bank, adaptability, sustainability

Bank, Banking System, Macroprudential Supervision, Stability of Banking System

Directory of Open Access Journals (Sweden)

Tetiana Vasilyeva

2016-10-01

assets to short term liabilities ratio and cost to income ratio. Empirical results of the research found out that grate damage to the stability of banking system has some parameters of banking activity, that’s why the main purpose of the regulation by the National Bank of Ukraine should be strengthening of macroprudential supervision and intensification of adaptation of Basel II and Basel III requirements

Fighting for the Profession: A History of AFT Higher Education. Item Number 36-0701

Science.gov (United States)

American Federation of Teachers, 2003

2003-01-01

This document provides a history of the relationship between higher education faculty and the American Federation of Teachers (AFT). Highlights include the first AFT higher education local formed in 1918, the role played by the union in the expansion of the G.I. Bill following World War II, increased activism in the 1950s and 1960s to win…

Fore-aft asymmetric flocking

Science.gov (United States)

Chen, Qiu-shi; Patelli, Aurelio; Chaté, Hugues; Ma, Yu-qiang; Shi, Xia-qing

2017-08-01

We show that fore-aft asymmetry, a generic feature of living organisms and some active matter systems, can have a strong influence on the collective properties of even the simplest flocking models. Specifically, an arbitrarily weak asymmetry favoring front neighbors changes qualitatively the phase diagram of the Vicsek model. A region where many sharp traveling band solutions coexist is present at low noise strength, below the Toner-Tu liquid, at odds with the phase-separation scenario well describing the usual isotropic model. Inside this region, a "banded-liquid" phase with algebraic density distribution coexists with band solutions. Linear stability analysis at the hydrodynamic level suggests that these results are generic and not specific to the Vicsek model.

RUSSIAN BANK ACTIVITY STRATEGIC MANAGEMENT PROBLEMS

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V. B. Pogosyan

2011-01-01

Full Text Available Main strategic management problems characteristic for the majority of Russian bank are: absence of systems making it possible to adapt bank activity elements to changing outer and inner business conditions; obsolete client service system; traditional liquidity and risk managementmechanisms; absence of systems of coordinating bank strategic management process participants’ interests with the banks aims. Ways of overcoming basic difficulties in bank activity strategic management are defined.

Autogenic-Feedback Training Exercise (AFTE) Mitigates the Effects of Spatial Disorientation to Simulated Orion Spacecraft Re-Entry: Individual Differences

Science.gov (United States)

Cowings, Patricia S.; Toscano, William B.; Reschke, Millard F.; Gebreyesus, Fiyori; Rocha, Christopher

2017-01-01

NASA has identified a potential risk of spatial disorientation to future astronauts during re-entry of the proposed Orion spacecraft. The purpose of this study was to determine if a 6-hour physiological training procedure, Autogenic-Feedback Training Exercise (AFTE), can mitigate these effects. Twenty subjects were assigned to two groups (AFTE and Control) matched for motion sickness susceptibility and gender. All subjects received a standard rotating chair test to determine motion sickness susceptibility; three training sessions on a manual performance task; and four exposures to a simulated Orion re-entry test in the rotating chair. Treatment subjects were given two hours of AFTE training before each Orion test. A diagnostic scale was used to evaluate motion sickness symptom severity. Results showed that 2 hours of AFTE significantly reduced motion sickness symptoms during the second Orion test. AFTE subjects were able to maintain lower heart rates and skin conductance levels and other responses than the control group subjects during subsequent tests. Trends show that performance was less degraded for AFTE subjects. The results of this study indicate that astronauts could benefit from receiving at least 2 hours of preflight AFTE. In addition, flight crews could benefit further by practicing physiologic self-regulation using mobile devices.

Method of Banks Valuation

OpenAIRE

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...

12 CFR 1.5 - Safe and sound banking practices; credit information required.

Science.gov (United States)

2010-01-01

... interest rate, credit, liquidity, price, foreign exchange, transaction, compliance, strategic, and... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Safe and sound banking practices; credit information required. 1.5 Section 1.5 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE...

STS-47 Mission Specialist (MS) Jemison conducts AFTE in SLJ module on OV-105

Science.gov (United States)

1992-01-01

STS-47 Mission Specialist (MS) Mae C. Jemison, wearing autogenic feedback training system 2 suit, conducts the Autogenic Feedback Training Experiment (AFTE) in Spacelab Japan (SLJ) science module aboard Endeavour, Orbiter Vehicle (OV) 105. AFTE's objective is to teach astronauts to use biofeedback rather than drugs to combat nausea and other effects of space motion sickness. Jemison's physical responses are monitored by sensors attached to the suit.

Redefining diagnostic symptoms of depression using Rasch analysis: testing an item bank suitable for DSM-V and computer adaptive testing.

Science.gov (United States)

Mitchell, Alex J; Smith, Adam B; Al-salihy, Zerak; Rahim, Twana A; Mahmud, Mahmud Q; Muhyaldin, Asma S

2011-10-01

We aimed to redefine the optimal self-report symptoms of depression suitable for creation of an item bank that could be used in computer adaptive testing or to develop a simplified screening tool for DSM-V. Four hundred subjects (200 patients with primary depression and 200 non-depressed subjects), living in Iraqi Kurdistan were interviewed. The Mini International Neuropsychiatric Interview (MINI) was used to define the presence of major depression (DSM-IV criteria). We examined symptoms of depression using four well-known scales delivered in Kurdish. The Partial Credit Model was applied to each instrument. Common-item equating was subsequently used to create an item bank and differential item functioning (DIF) explored for known subgroups. A symptom level Rasch analysis reduced the original 45 items to 24 items of the original after the exclusion of 21 misfitting items. A further six items (CESD13 and CESD17, HADS-D4, HADS-D5 and HADS-D7, and CDSS3 and CDSS4) were removed due to misfit as the items were added together to form the item bank, and two items were subsequently removed following the DIF analysis by diagnosis (CESD20 and CDSS9, both of which were harder to endorse for women). Therefore the remaining optimal item bank consisted of 17 items and produced an area under the curve (AUC) of 0.987. Using a bank restricted to the optimal nine items revealed only minor loss of accuracy (AUC = 0.989, sensitivity 96%, specificity 95%). Finally, when restricted to only four items accuracy was still high (AUC was still 0.976; sensitivity 93%, specificity 96%). An item bank of 17 items may be useful in computer adaptive testing and nine or even four items may be used to develop a simplified screening tool for DSM-V major depressive disorder (MDD). Further examination of this item bank should be conducted in different cultural settings.

The adaptation of monetary policy to the constraints of the global financial crisis by central banks of ASEAN-5 countries

Directory of Open Access Journals (Sweden)

Sorina BOTIŞ

2015-12-01

Full Text Available Global financial crisis represented an important test for central banks, generating multiple challenges that gave rise to both expanding their monetary policy tools and redefining its role in the financial system. The present work aims to identify the characteristics of the monetary policy by the central banks of the five countries belonging to ASEAN-5 Group(Indonesia, Malaysia, the Philippines, Singapore and Thailand, during and after the outbreak of the international financial crisis. For this purpose we carried out a comparative analysis between the five central bank s belonging to the Group, both in terms of the challenges of the monetary policy and the type of measures taken in response to the first. The analysis shows that central banks have different levels of responsibilities, corresponding to the internal economic and financial realities, and also different ways of adaptation and adjustment of their monetary policy.

45 CFR 60.1 - The National Practitioner Data Bank.

Science.gov (United States)

2010-10-01

... 45 Public Welfare 1 2010-10-01 2010-10-01 false The National Practitioner Data Bank. 60.1 Section 60.1 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION NATIONAL PRACTITIONER DATA BANK FOR ADVERSE INFORMATION ON PHYSICIANS AND OTHER HEALTH CARE PRACTITIONERS General...

26 CFR 1.585-1 - Reserve for losses on loans of banks.

Science.gov (United States)

2010-04-01

... regulations thereunder. For rules relating to a debt evidenced by a security (as defined in section 165(g)(2..., see § 1.585-4. For rules relating to large banks, see §§ 1.585-5 through 1.585-8. (b) Application of... with the conduct of a banking business within the United States. (2) Exception. For taxable years...

Development of a lack of appetite item bank for computer-adaptive testing (CAT)

DEFF Research Database (Denmark)

Thamsborg, Lise Laurberg Holst; Petersen, Morten Aa; Aaronson, Neil K

2015-01-01

to 12 lack of appetite items. CONCLUSIONS: Phases 1-3 resulted in 12 lack of appetite candidate items. Based on a field testing (phase 4), the psychometric characteristics of the items will be assessed and the final item bank will be generated. This CAT item bank is expected to provide precise...

The influence of bank employees on bank customer relationship management

Directory of Open Access Journals (Sweden)

C. Rootman

2007-12-01

Full Text Available Purpose: Despite extensive research in services marketing, much is still unknown to specific service providers on the influence of their employees on their services. This paper attempts to address this limitation and investigates the influence of employees on the customer relationship management (CRM of banks. The primary objective of this paper is to investigate the influence of selected independent variables, namely attitude and knowledgeability, on the CRM of banks. Design/Methodology/Approach: An empirical investigation was conducted with a structured questionnaire with items that related to banks' CRM in terms of attitude and knowledgeability. The sample consisted of 290 banking clients in the Nelson Mandela Metropolitan area and the response rate was 91.03%. Findings: Significant positive relationships exist between both the knowledgeability, and attitude of bank employees and a bank's CRM. These relationships imply that more extensive knowledgeability and more positive attitudes of bank employees lead to improved, maintained relationships between a bank and its clients. Employees play an important role in banks’ client relationships. Implications: Banks should focus on increasing their employees' knowledgeability and improving their attitude to ensure higher levels of CRM. This paper provides strategies for banks and could create greater awareness among South African banks of the advantages of CRM, how their employees influence their CRM, and ways to adapt to these influences. Originality/Value: No study has focused exclusively on CRM within banks in South Africa. Prior research focused on customer service and service quality; both possible results of superior CRM. However, this research differs, as it identifies the variables influencing CRM in banks in South Africa. It is proposed that this paper will be beneficial for South African banks, as the recommendations may be used to ensure higher levels of CRM in banks.

Basel III : how have banks adjusted to increase CET1 ratios?

OpenAIRE

Bjerketvedt, Oda; Arneberg-Bauer, Tonje

2013-01-01

In 2010 the Basel Committee finalised the global framework called Basel III, which will have a significant impact on the global banking sector. A large part of the framework focuses on capital adequacy, where the Common Equity Tier 1 (CET1) ratio is essential. Through an analysis of four banks from the United Kingdom – HSBC, Barclays, Lloyds Banking Group and Standard Chartered – this thesis aim to examine how these banks have adjusted to the new CET1 requirements. In the EU the Basel III ...

26 CFR 1.592-1 - Repayment of certain loans by mutual savings banks, building and loan associations, and...

Science.gov (United States)

2010-04-01

... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Repayment of certain loans by mutual savings banks, building and loan associations, and cooperative banks. 1.592-1 Section 1.592-1 Internal Revenue... (CONTINUED) Mutual Savings Banks, Etc. § 1.592-1 Repayment of certain loans by mutual savings banks, building...

Temporal Scalability through Adaptive -Band Filter Banks for Robust H.264/MPEG-4 AVC Video Coding

Directory of Open Access Journals (Sweden)

Pau G

2006-01-01

Full Text Available This paper presents different structures that use adaptive -band hierarchical filter banks for temporal scalability. Open-loop and closed-loop configurations are introduced and illustrated using existing video codecs. In particular, it is shown that the H.264/MPEG-4 AVC codec allows us to introduce scalability by frame shuffling operations, thus keeping backward compatibility with the standard. The large set of shuffling patterns introduced here can be exploited to adapt the encoding process to the video content features, as well as to the user equipment and transmission channel characteristics. Furthermore, simulation results show that this scalability is obtained with no degradation in terms of subjective and objective quality in error-free environments, while in error-prone channels the scalable versions provide increased robustness.

Information technology for brain banking.

Science.gov (United States)

Schmitz, Peer

2018-01-01

Implementing and maintaining the information technology (IT) infrastructure of a brain bank can be a daunting task for any brain bank coordinator, particularly when access to both funds and IT professionals is limited. Many questions arise when attempting to determine which IT products are most suitable for a brain bank. The requirements of each brain bank must be assessed carefully to ensure that the chosen IT infrastructure will be able to meet those requirements successfully and will be able to expand and adapt as the size of the brain bank increases. This chapter provides some valuable insights to be considered when implementing the IT infrastructure for a brain bank and discusses the pros and cons of various approaches and products. Copyright © 2018 Elsevier B.V. All rights reserved.

Autogenic-Feedback Training (AFT) as a preventive method for space motion sickness: Background and experimental design

Science.gov (United States)

Cowings, Patricia S.; Toscano, William B.

1993-01-01

Finding an effective treatment for the motion sickness-like symptoms that occur in space has become a high priority for NASA. The background research is reviewed and the experimental design of a formal life sciences shuttle flight experiment designed to prevent space motion sickness in shuttle crew members is presented. This experiment utilizes a behavioral medicine approach to solving this problem. This method, Autogenic-Feedback Training (AFT), involves training subjects to voluntarily control several of their own physiological responses to environmental stressors. AFT has been used reliably to increase tolerance to motion sickness during ground-based tests in over 200 men and women under a variety of conditions that induce motion sickness, and preliminary evidence from space suggests that AFT may be an effective treatment for space motion sickness as well. Proposed changes to this experiment for future manifests are included.

Why the NEA and AFT Sought To Merge--and Failed.

Science.gov (United States)

Fusarelli, Lance D.; Cooper, Bruce S.

1999-01-01

Four key reasons underlie the push for teacher union solidarity in 1998: desire to fulfill Al Shanker's dream of a unified mission, to end union competition, to bolster Democratic Party weaknesses, and to stop privatization. The NEA/AFT merger failed because of conflicting organizational cultures and teachers' gradualist, localist, and…

Are Bank Employees Stressed? Job Perception and Positivity in the Banking Sector: An Italian Observational Study

Directory of Open Access Journals (Sweden)

Alice Mannocci

2018-04-01

Full Text Available Background: The epidemiology of stress on bank workers in Europe is only at the introductory stages. This study investigated for the first time the association between occupational stress level in bank-employees using the BEST8, Karasek-Model and socio-demographic and working factors in Italy. Methods: The observational pilot study involved 384 employees. Three questionnaires were adopted to collect data: Karasek-Model, BEST8 (p < 0.001 and Positivity-Scale. Results: 25% of the sample belonged to high stress group. The workers more stressed were older with a commercial role and consumer of antidepressants/sedatives. Women were much more likely to agree with the perception of feeling unsafe in a possible robbery (OR = 2.42; 95% CI: 1.50–3.91 and with that sales requests were in conflict with one’s own personal moral code (OR = 2.31; 95% CI: 1.38–3.87. Older employees declared feeling inadequate in the workplace (OR = 1.97; 95% CI: 1.07–3.65 and younger employees referred to be anxious about meeting financial budget goals. Workers who had a low positivity had a lower probability of adaptation (OR = 0.88; 95% CI: 0.83–0.93. Conclusions: The occupational stress level in the banking sector involves many aspects: gender, type of bank, role, personal morals, high job-demands, low level of decision-making. This study recommended that banks should implement strategic interventions for well-being of employees, and consequently for their productivity.

Aft-body loading function for penetrators based on the spherical cavity-expansion approximation.

Energy Technology Data Exchange (ETDEWEB)

Longcope, Donald B., Jr.; Warren, Thomas Lynn; Duong, Henry

2009-12-01

In this paper we develop an aft-body loading function for penetration simulations that is based on the spherical cavity-expansion approximation. This loading function assumes that there is a preexisting cavity of radius a{sub o} before the expansion occurs. This causes the radial stress on the cavity surface to be less than what is obtained if the cavity is opened from a zero initial radius. This in turn causes less resistance on the aft body as it penetrates the target which allows for greater rotation of the penetrator. Results from simulations are compared with experimental results for oblique penetration into a concrete target with an unconfined compressive strength of 23 MPa.

45 CFR 61.1 - The Healthcare Integrity and Protection Data Bank.

Science.gov (United States)

2010-10-01

... 45 Public Welfare 1 2010-10-01 2010-10-01 false The Healthcare Integrity and Protection Data Bank. 61.1 Section 61.1 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION HEALTHCARE INTEGRITY AND PROTECTION DATA BANK FOR FINAL ADVERSE INFORMATION ON HEALTH CARE PROVIDERS...

Analysis prediction of Indonesian banks (BCA, BNI, MANDIRI) using adaptive neuro-fuzzy inference system (ANFIS) and investment strategies

Science.gov (United States)

Trianto, Andriantama Budi; Hadi, I. M.; Liong, The Houw; Purqon, Acep

2015-09-01

Indonesian economical development is growing well. It has effect for their invesment in Banks and the stock market. In this study, we perform prediction for the three blue chips of Indonesian bank i.e. BCA, BNI, and MANDIRI by using the method of Adaptive Neuro-Fuzzy Inference System (ANFIS) with Takagi-Sugeno rules and Generalized bell (Gbell) as the membership function. Our results show that ANFIS perform good prediction with RMSE for BCA of 27, BNI of 5.29, and MANDIRI of 13.41, respectively. Furthermore, we develop an active strategy to gain more benefit. We compare between passive strategy versus active strategy. Our results shows that for the passive strategy gains 13 million rupiah, while for the active strategy gains 47 million rupiah in one year. The active investment strategy significantly shows gaining multiple benefit than the passive one.

Financial Crisis and Changes in Management Controls in Banks

DEFF Research Database (Denmark)

Rikhardsson, Pall; Rohde, Carsten; Christensen, Leif

requirements. Risk management, compliance and internal auditing were relatively mature processes in the Danish banks before the crisis, and the adjustments required to adapt to changed compliance requirements were less extensive. Management controls in general seem to play a critical role in responding......The financial crisis of 2008 hit banks in Iceland and Denmark with different intensity. There was a difference in how management controls changed in response to the crisis. Icelandic banks redefined cultural controls, introducing new values as a “clean break” with the banks’ pre-2008 practices....... They formalised their risk management, compliance and internal auditing practices, and hired more employees to perform these functions. Further, they strengthened and formalised their policies and procedures to ensure consistent practices. The Danish banks adapted their administrative controls to new regulatory...

26 CFR 1.895-1 - Income derived by a foreign central bank of issue, or by Bank for International Settlements, from...

Science.gov (United States)

2010-04-01

... 26 Internal Revenue 9 2010-04-01 2010-04-01 false Income derived by a foreign central bank of... foreign central bank of issue, or by Bank for International Settlements, from obligations of the United States or from bank deposits. (a) In general. Income derived by a foreign central bank of issue from...

Private Banking Survey 2013: Success Through Innovation : Achieving Sustainability and Client-Centricity in Swiss Private Banking

OpenAIRE

Laamanen, Tomi; Schimmer, Markus; Reuter, Emmanuelle

2013-01-01

This year's private banking study by KPMG and the University of St. Gallen (HSG) shows that Swiss private banks can remain successful in the future by innovating. Besides effective implementation of new regulatory requirements, key success factors will include innovative strategies and adaptations to business models, starting with more effective segmentation techniques, an open product architecture, transparent price structures and modern distribution and communication channels. Hardly an...

Dutch translation and cross-cultural adaptation of the PROMIS® physical function item bank and cognitive pre-test in Dutch arthritis patients.

Science.gov (United States)

Oude Voshaar, Martijn Ah; Ten Klooster, Peter M; Taal, Erik; Krishnan, Eswar; van de Laar, Mart Afj

2012-03-05

Patient-reported physical function is an established outcome domain in clinical studies in rheumatology. To overcome the limitations of the current generation of questionnaires, the Patient-Reported Outcomes Measurement Information System (PROMIS®) project in the USA has developed calibrated item banks for measuring several domains of health status in people with a wide range of chronic diseases. The aim of this study was to translate and cross-culturally adapt the PROMIS physical function item bank to the Dutch language and to pretest it in a sample of patients with arthritis. The items of the PROMIS physical function item bank were translated using rigorous forward-backward protocols and the translated version was subsequently cognitively pretested in a sample of Dutch patients with rheumatoid arthritis. Few issues were encountered in the forward-backward translation. Only 5 of the 124 items to be translated had to be rewritten because of culturally inappropriate content. Subsequent pretesting showed that overall, questions of the Dutch version were understood as they were intended, while only one item required rewriting. Results suggest that the translated version of the PROMIS physical function item bank is semantically and conceptually equivalent to the original. Future work will be directed at creating a Dutch-Flemish final version of the item bank to be used in research with Dutch speaking populations.

Electronic Banking And Bank Performance In Nigeria

African Journals Online (AJOL)

2013-03-01

Mar 1, 2013 ... deploying information Technology in banks therefore can ... profitability indices and other control of financial ..... impact of e-banking on bank profitability ..... [13] Nikolai L. and Bazlay J.D (1997) Intermediate Accounting, South-.

Adaptive screening for depression--recalibration of an item bank for the assessment of depression in persons with mental and somatic diseases and evaluation in a simulated computer-adaptive test environment.

Science.gov (United States)

Forkmann, Thomas; Kroehne, Ulf; Wirtz, Markus; Norra, Christine; Baumeister, Harald; Gauggel, Siegfried; Elhan, Atilla Halil; Tennant, Alan; Boecker, Maren

2013-11-01

This study conducted a simulation study for computer-adaptive testing based on the Aachen Depression Item Bank (ADIB), which was developed for the assessment of depression in persons with somatic diseases. Prior to computer-adaptive test simulation, the ADIB was newly calibrated. Recalibration was performed in a sample of 161 patients treated for a depressive syndrome, 103 patients from cardiology, and 103 patients from otorhinolaryngology (mean age 44.1, SD=14.0; 44.7% female) and was cross-validated in a sample of 117 patients undergoing rehabilitation for cardiac diseases (mean age 58.4, SD=10.5; 24.8% women). Unidimensionality of the itembank was checked and a Rasch analysis was performed that evaluated local dependency (LD), differential item functioning (DIF), item fit and reliability. CAT-simulation was conducted with the total sample and additional simulated data. Recalibration resulted in a strictly unidimensional item bank with 36 items, showing good Rasch model fit (item fit residualsLD. CAT simulation revealed that 13 items on average were necessary to estimate depression in the range of -2 and +2 logits when terminating at SE≤0.32 and 4 items if using SE≤0.50. Receiver Operating Characteristics analysis showed that θ estimates based on the CAT algorithm have good criterion validity with regard to depression diagnoses (Area Under the Curve≥.78 for all cut-off criteria). The recalibration of the ADIB succeeded and the simulation studies conducted suggest that it has good screening performance in the samples investigated and that it may reasonably add to the improvement of depression assessment. © 2013.

DLP: REDUCED RISK OF LEAKAGE OF CONFIDENTIAL INFORMATION OF THE BANK

Directory of Open Access Journals (Sweden)

T. A. Andryianava

2017-01-01

Full Text Available Research application of DLP-system for protection of confidential information, a methodology for adapting the DLP-system to the specific activities of the organization, comparative analysis of the results of standard and adapted DLP-systems in the Bank. Developed: a technique for analyzing information security events, algorithm for responding to identified events, methodology and procedures for adapting the standard DLP-system to the specifics of the Bank’s activities. The methodology for adapting a standard DLP-system to the specifics of the Bank’s work consists of the following activities: identification of critical corporate information categories, audit of information systems, description of current risks and their assessment, introduction of rules for Bank’s critical information and setting up a DLP system in accordance with the specifics of the Bank’s work. Modernization of the configuration of a standard DLP-system includes the following procedures: selection of confidential information of the Bank based on membership criteria, setting up detection, creating perimeters and developing an algorithm for responding to identified information security events in the Bank. The algorithm is designed to improve the efficiency of the response of information security officers in cases of incident detection and describes the stages of the subsequent actions. The results of the research prove that using an adapted DLP-system significantly reduces the number of false positives, increasing the accuracy of detecting confidential information and reducing the risk of leakage of critical information outside the corporate network. The application of the adapted DLP-system in the Bank allowed to increase the speed of response of information security specialists to the information security events detected by the DLP-system adapted to the Bank, and also allowed the DLP-system to transition from the copy mode to the blocking mode of illegitimate transfer

Looking Back, Looking Ahead: A Reflection on Paraprofessionals and the AFT

Science.gov (United States)

Johnson, Loretta

2016-01-01

In this article, secretary-treasurer of the American Federation of Teachers (AFT) Lorretta Johnson reflects on her early work as a paraprofessional at Liberty Elementary School (Baltimore, Maryland) and what sparked her union activism nearly 50 years ago in 1966. It was that year that she and her colleagues joined the Baltimore Teachers Union…

Feeding of swimming Paramecium with fore-aft asymmetry in viscous fluid

Science.gov (United States)

Zhang, Peng; Jana, Saikat; Giarra, Matthew; Vlachos, Pavlos; Jung, Sunghwan

2013-11-01

Swimming behaviours and feeding efficiencies of Paramecium Multimicronucleatum with fore-aft asymmetric body shapes are studied experimentally and numerically. Among various possible swimming ways, ciliates typically exhibit only one preferred swimming directions in favorable conditions. Ciliates, like Paramecia, with fore-aft asymmetric shapes preferably swim towards the slender anterior while feeding fluid to the oral groove located at the center of the body. Since both feeding and swimming efficiencies are influenced by fluid motions around the body, it is important to reveal the fluid mechanics around a moving object. Experimentally, μ-PIV methods are employed to characterize the source-dipole streamline patterns and fluid motions around Paramecium. Numerical simulations by boundary element methods are also used to evaluate surface stresses and velocities, which give insights into the efficiencies of swimming and feeding depending on body asymmetry. It is concluded that a slender anterior and fat posterior increases the combined efficiency of swimming and feeding, which matches well with actual shapes of Paramecium. Discrepancies between experiments and simulations are also discussed.

Adaptive fractionation therapy: I. Basic concept and strategy

International Nuclear Information System (INIS)

Lu Weiguo; Chen Mingli; Chen Quan; Ruchala, Kenneth; Olivera, Gustavo

2008-01-01

Radiotherapy is fractionized to increase the therapeutic ratio. Fractionation in conventional treatment is determined as part of the prescription, and a fixed fraction size is used for the whole course of treatment. Due to patients' day-to-day variations on the relative distance between the tumor and the organs at risk (OAR), a better therapeutic ratio may be attained by using an adaptive fraction size. Intuitively, we want to use a larger fraction size when OAR and the tumor are far apart and a smaller fraction size when OAR and the tumor are close to each other. The concept and strategies of adaptive fractionation therapy (AFT) are introduced in this paper. AFT is an on-line adaptive technique that utilizes the variations of internal structures to get optimal OAR sparing. Changes of internal structures are classified as different configurations according to their feasibility to the radiation delivery. A priori knowledge is used to describe the probability distribution of these configurations. On-line processes include identifying the configuration via daily image guidance and optimizing the current fraction size. The optimization is modeled as a dynamic linear programming problem so that at the end of the treatment course, the tumor receives the same planned dose while OAR receives less dose than the regular fractionation delivery. Extensive simulations, which include thousands of treatment courses with each course consisting of 40 fractions, are used to test the efficiency and robustness of the presented technique. The gains of OAR sparing depend on the variations on configurations and the bounds of the fraction size. The larger the variations and the looser the bounds are, the larger the gains will be. Compared to the conventional fractionation technique with 2 Gy/fraction in 40 fractions, for a 20% variation on tumor-OAR configurations and [1 Gy, 3 Gy] fraction size bounds, the cumulative OAR dose with adaptive fractionation is 3-8 Gy, or 7-20% less than that

Assessing the competitive conditions in the Italian banking system: some empirical evidence

Directory of Open Access Journals (Sweden)

P. COCCORESE

1998-06-01

Full Text Available The European banking industry is currently facing the effects arising from the increasing integration of national financial markets. In adapting to this new scenario, the Italian banking system has undergone a considerable transformation. The degree of competition in the Italian banking system is evaluated using a sample of banks during the period 1988-96.

Retail banking service quality: A client perception study

Directory of Open Access Journals (Sweden)

Mbablemhle Bhengu

2016-11-01

Full Text Available The retail banking sector in South Africa is predominantly characterised by a high face to face interaction and constant product and pricing differentiation. In order for a bank to distinguish itself from other banks in the banking industry, it uses excellence in its service quality to stand out against its competitors. In the study, the researchers adapted the SERVQUAL model to the banking industry. A probability sampling technique was employed for the study. Simple random sampling was employed to test MBA students’ perceptions towards service quality in the banking industry. The findings in the empirical study revealed that MBA students at the university were dissatisfied with the quality of service offerings provided by the retail banks in South Africa. There were quality gaps revealed in tangibles, reliability, empathy, responsiveness and reliability aspects of the service encounters

Customer satisfaction with retail banking services in Ghana

DEFF Research Database (Denmark)

Narteh, Bedman; Kuada, John

2014-01-01

This article reports a study of the determinants of customer satisfaction of retail banking services in Ghana and discusses the strategic implications of the findings for the retail banks. We reviewed the extant literature to identify theoretical determinants of customer satisfaction in retail......, core and tangible dimensions of service to be the major determinants of customer satisfaction in retail banking in Ghana. Technology also loaded onto the core and tangible dimensions of service quality...... banking and their measurement scales. These were adapted to build a conceptual framework for the empirical investigation conducted. Data were collected using a questionnaire administered through personal interviews to 650 customers of retail banks and the results were factor analysed. We found relational...

Regulation of Communication Policy of Modern Banks

Directory of Open Access Journals (Sweden)

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".

Systemic Liquidity Shocks and Banking Sector Liquidity Characteristics on the Eve of Liquidity Coverage Ratio Application - The Case of the Czech Republic1

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Brůna Karel

2016-01-01

Full Text Available The paper contains an analysis of the economic and regulatory concept of bank liquidity in the context of systemic liquidity shock. A formal model analysis shows that the application of liquidity coverage ratio (LCR based on Basel III will lead to a significant adaptation of banks liquidity management. LCR causes a change in bank’s liquidity allocation and funding to be less effective and more costly and restrictive for providing credits comparing with economic determinants. It is demonstrated that the application of LCR underestimates actual liquidity position of a bank and leads to allocation ineffectiveness. The empirical part contains simulation of impacts of systemic liquidity shock on the banking sector’s ability to withstand the unfavourable credit shock while solvency is maintained. The results confirm the robustness of the Czech banking system ensuing from the systemic surplus of liquidity, high volume of bank capital and its high profitability. The estimations of the VAR model show that the relations between liquidity characteristics of banks, sources of aggregate liquidity shock, interbank market illiquidity and the credit facilities of the Czech National Bank are relatively weak, supporting the conclusion that the banks face liquidity shocks of non-persistent character.

Perlindungan Hukum Terhadap Nasabah Bank Pengguna Internet Banking Dari Ancaman Cybercrime

OpenAIRE

Astrini, Dwi Ayu

2015-01-01

Tujuan dilakukan penelitian ini adalah untuk mengetahui bagaimana peratuan Perundang-undangan yang melindungi nasabah bank pengguna internet banking dari ancaman cybercrime, dan bagaimana mekanisme perlindungan dan tanggungjawab yang diberikan pihak bank terhadap nasabah yang mengalami masalah dalam pengguna internet banking. Berdasarkan penelitian normatif disimpulkan bahwa; 1. Sumber hukum formal mengenai bidang perbankan, adalah UUD 1945 (Pasal 1 ayat 3), Undang-undang Nomor 7 Tahun 1992 ...

TINGKAT SUKU BUNGA BANK KONVENSIONAL DAN KOMITMEN NASABAH MENABUNG DI BANK SYARIAH

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Muchlis Yahya

2017-03-01

Full Text Available banking. Shariah banking customers were divided into Moslem customers that only saved money at shariahbank (n1, Moslem customers that saved money both in shariah and conventional banks (n2, non-Moslemcustomers (n3. This study used primary data through questionnaires distributed to 400 people gotten from295.498 customers of shariah bank in Central Java. Then the customer data was analyzed by using logit model.For groups of customers’ n2 and n3, the interest rate had a significant negative effect on the commitment toinvest in shariah banks. However, for n1, the interest rate did not affect anything. n1 customers developedrelationship with shariah bank because of religion ideology motive. The result showed that n2, n3 customershad rational-economic mindset, whereas n1 customers had emotional-ideology mindset. This result showedthat shariah banking customers were dominated by customers that had rational-economic character. The openingof disagreement about the bank interest which was not usury and which was supported by only some socioreligiousorganizations like NU and Muhammadiyah could be an important factor the growth of Islamicbanking.

Implementation of e-banking in Vietnam : motivations and challenges - case Company A

OpenAIRE

Dao, Phuong Nam

2014-01-01

The introduction of e-banking services is considered a breakthrough of the banking industry, bringing various benefits to both customers and financial institutions. In this era of modern technology, the implementation of e-banking services plays a significant role in helping financial institutions to remain competitive and adapt to the recent changes of the market. This study targets the implementation process of e-banking services in Vietnam, with two main objectives. The first goal of th...

Using a Mixed Model to Explore Evaluation Criteria for Bank Supervision: A Banking Supervision Law Perspective.

Directory of Open Access Journals (Sweden)

Sang-Bing Tsai

Full Text Available Financial supervision means that monetary authorities have the power to supervise and manage financial institutions according to laws. Monetary authorities have this power because of the requirements of improving financial services, protecting the rights of depositors, adapting to industrial development, ensuring financial fair trade, and maintaining stable financial order. To establish evaluation criteria for bank supervision in China, this study integrated fuzzy theory and the decision making trial and evaluation laboratory (DEMATEL and proposes a fuzzy-DEMATEL model. First, fuzzy theory was applied to examine bank supervision criteria and analyze fuzzy semantics. Second, the fuzzy-DEMATEL model was used to calculate the degree to which financial supervision criteria mutually influenced one another and their causal relationship. Finally, an evaluation criteria model for evaluating bank and financial supervision was established.

Using a Mixed Model to Explore Evaluation Criteria for Bank Supervision: A Banking Supervision Law Perspective

Science.gov (United States)

Tsai, Sang-Bing; Chen, Kuan-Yu; Zhao, Hongrui; Wei, Yu-Min; Wang, Cheng-Kuang; Zheng, Yuxiang; Chang, Li-Chung; Wang, Jiangtao

2016-01-01

Financial supervision means that monetary authorities have the power to supervise and manage financial institutions according to laws. Monetary authorities have this power because of the requirements of improving financial services, protecting the rights of depositors, adapting to industrial development, ensuring financial fair trade, and maintaining stable financial order. To establish evaluation criteria for bank supervision in China, this study integrated fuzzy theory and the decision making trial and evaluation laboratory (DEMATEL) and proposes a fuzzy-DEMATEL model. First, fuzzy theory was applied to examine bank supervision criteria and analyze fuzzy semantics. Second, the fuzzy-DEMATEL model was used to calculate the degree to which financial supervision criteria mutually influenced one another and their causal relationship. Finally, an evaluation criteria model for evaluating bank and financial supervision was established. PMID:27992449

Structural and Qualitative Analysis of the Romanian Banking System

Directory of Open Access Journals (Sweden)

Anisoara Niculina APETRI

2010-12-01

Full Text Available The banking sector, the predominant component of the Romanian financial system, had a relatively stable structure in the period 2005-2009 and has experienced significant consolidation, particularly in the years 2005-2006, this being sustained mainly by the restructuring and privatization process, but also by Romania's EU accession perspective and the competitive environment in this area. Given the new status of Romania as EU member country, the competition in the banking system has increased significantly, leading to both structural changes, but also to changes in levels of analysis indicators of banking structure and performance. Following this analysis, it appears that, recently, our country's banking system saw a dynamic and unprecedented diversification resulting from the economic development of the society and adaptation to EU requirements, and we can say that in Romania there is, now, a modern and competitive banking system, which provides circulation of the domestic economy and provides banking products and services in accordance with trends in the European banking sector.

26 CFR 1.585-5 - Denial of bad debt reserves for large banks.

Science.gov (United States)

2010-04-01

... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Denial of bad debt reserves for large banks. 1...) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Banking Institutions § 1.585-5 Denial of bad debt... other section for an addition to a reserve for bad debts. However, for these years, except as provided...

SOCBAN-SOCIAL MEDIA TO DRIVE BANKING ADVANTAGE

OpenAIRE

Dr. S. S. Sreeja Mole; K. Sujatha; U. Susmitha; R. Kaviyaraj; Amritha Devadasan

2018-01-01

With the fast and wide usage of social media like Twitter, Linkedin, Facebook, Instagram, etc., business organizations are now adapting these technologies to improve business advantages. Here, the power of social media in general and how they are used by banks to improved products and services to their customers and making their experience easy and responsive is brought out. “SocBan”, is a social banking framework and its various components are also proposed. A study has found that even thoug...

Banking Integration in European Context

Directory of Open Access Journals (Sweden)

Roxana Bădîrcea

2016-05-01

towards the exterior, the degree of internationalization of the national bank systems in the Eurozone. The results of this research point out a whole series of commitments from a scientific point of view, but also regarding a good practices model which should enhance the synergic integration of the different national banking systems. A part of the outlined conclusions may be oriented towards specific directions and levers in order to modify the national strategyfor the adaptation of a candidate state to the Aquis communautaire.

The effect of redox conditions and adaptation time on organic micropollutant removal during river bank filtration: A laboratory-scale column study.

Science.gov (United States)

Bertelkamp, C; Verliefde, A R D; Schoutteten, K; Vanhaecke, L; Vanden Bussche, J; Singhal, N; van der Hoek, J P

2016-02-15

This study investigated the redox dependent removal and adaptive behaviour of a mixture of 15 organic micropollutants (OMPs) in laboratory-scale soil columns fed with river water. Three separate pilot systems were used consisting of: (1) two columns, (2) ten columns and (3) twenty two columns to create oxic, suboxic (partial nitrate removal) and anoxic (complete nitrate removal). The pilot set-up has some unique features--it can simulate fairly long residence times (e.g., 45 days using the 22 column system) and reduced conditions developed naturally within the system. Dimethoate, diuron, and metoprolol showed redox dependent removal behaviour with higher biodegradation rates in the oxic zone compared to the suboxic/anoxic zone. The redox dependent behaviour of these three OMPs could not be explained based on their physico-chemical properties (hydrophobicity, charge and molecular weight) or functional groups present in the molecular structure. OMPs that showed persistent behaviour in the oxic zone (atrazine, carbamazepine, hydrochlorothiazide and simazine) were also not removed under more reduced conditions. Adaptive behaviour was observed for five OMPs: dimethoate, chloridazon, lincomycin, sulfamethoxazole and phenazone. However, the adaptive behaviour could not be explained by the physico-chemical properties (hydrophobicity, charge and molecular weight) investigated in this study and only rough trends were observed with specific functional groups (e.g. ethers, sulphur, primary and secondary amines). Finally, the adaptive behaviour of OMPs was found to be an important factor that should be incorporated in predictive models for OMP removal during river bank filtration. Copyright © 2015 Elsevier B.V. All rights reserved.

Reversible wavelet filter banks with side informationless spatially adaptive low-pass filters

Science.gov (United States)

Abhayaratne, Charith

2011-07-01

Wavelet transforms that have an adaptive low-pass filter are useful in applications that require the signal singularities, sharp transitions, and image edges to be left intact in the low-pass signal. In scalable image coding, the spatial resolution scalability is achieved by reconstructing the low-pass signal subband, which corresponds to the desired resolution level, and discarding other high-frequency wavelet subbands. In such applications, it is vital to have low-pass subbands that are not affected by smoothing artifacts associated with low-pass filtering. We present the mathematical framework for achieving 1-D wavelet transforms that have a spatially adaptive low-pass filter (SALP) using the prediction-first lifting scheme. The adaptivity decisions are computed using the wavelet coefficients, and no bookkeeping is required for the perfect reconstruction. Then, 2-D wavelet transforms that have a spatially adaptive low-pass filter are designed by extending the 1-D SALP framework. Because the 2-D polyphase decompositions are used in this case, the 2-D adaptivity decisions are made nonseparable as opposed to the separable 2-D realization using 1-D transforms. We present examples using the 2-D 5/3 wavelet transform and their lossless image coding and scalable decoding performances in terms of quality and resolution scalability. The proposed 2-D-SALP scheme results in better performance compared to the existing adaptive update lifting schemes.

Islamic Banking and Green Banking for Sustainable Development: Evidence from Bangladesh

Directory of Open Access Journals (Sweden)

Mohammad Nazim Uddin

2018-01-01

Full Text Available Green banking is an integral part of Islamic banking that makes a basis of environmental protection. This study attempts to examine the relationship between Islamic banking and green banking that contribute to sustainable development. The study has used the primary data through a structural questionnaire that includes various dimensions on green banking of Islamic banking in Bangladesh. The investigation revealed that Islamic banks had made a significant contribution to green banking that improves the environment as means of cost and energy savings, preservation of natural resources and the need to respect all living things. The study seems to carry an enormous academic value since a few studies have undertaken in this areaDOI: 10.15408/aiq.v10i1.4563

76 FR 44914 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2011-07-27

..., and Logan County Bank, Lincoln, Illinois. C. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Stephen L. Grobel, Tabb... thereby indirectly acquire voting shares of First Community Bank, Glasgow, Montana. In addition, Stephen L...

Aerodynamic Impact of an Aft-Facing Slat-Step on High Re Airfoils

Science.gov (United States)

Kibble, Geoffrey; Petrin, Chris; Jacob, Jamey; Elbing, Brian; Ireland, Peter; Black, Buddy

2016-11-01

Typically, the initial aerodynamic design and subsequent testing and simulation of an aircraft wing assumes an ideal wing surface without imperfections. In reality, however the surface of an in-service aircraft wing rarely matches the surface characteristics of the test wings used during the conceptual design phase and certification process. This disconnect is usually deemed negligible or overlooked entirely. Specifically, many aircraft incorporate a leading edge slat; however, the mating between the slat and the top surface of the wing is not perfectly flush and creates a small aft-facing step behind the slat. In some cases, the slat can create a step as large as one millimeter tall, which is entirely submerged within the boundary layer. This abrupt change in geometry creates a span-wise vortex behind the step and in transonic flow causes a shock to form near the leading edge. This study investigates both experimentally and computationally the implications of an aft-facing slat-step on an aircraft wing and is compared to the ideal wing surface for subsonic and transonic flow conditions. The results of this study are useful for design of flow control modifications for aircraft currently in service and important for improving the next generation of aircraft wings.

The dominant allele Aft induces a shift from flavonol to anthocyanin production in response to UV-B radiation in tomato fruit.

Science.gov (United States)

Catola, Stefano; Castagna, Antonella; Santin, Marco; Calvenzani, Valentina; Petroni, Katia; Mazzucato, Andrea; Ranieri, Annamaria

2017-08-01

The introgression of the A ft allele into domesticated tomato induced a shift from flavonol to anthocyanin production in response to UV-B radiation, while the hp - 1 allele negatively influenced the response of flavonoid biosynthesis to UV-B. Introgression of the dominant allele Anthocyanin fruit (Aft) from Solanum chilense induces anthocyanin accumulation in the peel of tomato (Solanum lycopersicum L.) fruit. UV-B radiation can influence plant secondary metabolism regulating the expression of several genes, among which those involved in flavonoid biosynthesis. Here, we investigated whether post-harvest UV-B treatment could up-regulate flavonoid production in tomato fruits and whether the Aft allele could affect flavonoid biosynthesis under UV-B radiation. Mature green fruits of an anthocyanin-rich tomato mutant line (SA206) and of its wild-type reference, cv. Roma, were daily subjected to post-harvest UV-B treatment until full ripening. Up-regulation of CHS and CHI transcription by UV-B treatment induced flavonoid accumulation in the peel of cv. Roma. Conversely, UV-B decreased the total flavonoid content and CHS transcript levels in the SA206 peel. SA206 being a double mutant containing also hp-1 allele, we investigated also the behavior of hp-1 fruit. The decreased peel flavonoid accumulation and gene transcription in response to UV-B suggest that hp-1 allele is involved in the marked down-regulation of the flavonoid biosynthesis observed in SA206 fruit. Interestingly, in SA206, UV-B radiation promoted the synthesis of delphinidin, petunidin, and malvidin by increasing F3'5'H and DFR transcription, but it decreased rutin production, suggesting a switch from flavonols to anthocyanins. Finally, although UV-B radiation does not reach the inner fruit tissues, it down-regulated flavonoid biosynthesis in the flesh of both genotypes. This study provides, for the first time, evidence that the presence of the functional Aft allele, under UV-B radiation, redirects

Development of an item bank and computer adaptive test for role functioning

DEFF Research Database (Denmark)

Anatchkova, Milena D; Rose, Matthias; Ware, John E

2012-01-01

Role functioning (RF) is a key component of health and well-being and an important outcome in health research. The aim of this study was to develop an item bank to measure impact of health on role functioning.......Role functioning (RF) is a key component of health and well-being and an important outcome in health research. The aim of this study was to develop an item bank to measure impact of health on role functioning....

Dividend Payout Policy of Conventional Banking and Islamic Banking in Pakistan

Directory of Open Access Journals (Sweden)

Farhan Ahmed

2018-01-01

Full Text Available This paper investigates the difference between the dividend payout policy of Islamic banks and conventional banks in Pakistan for a period from 2012 to 2016 analyzing the data through regression using Least Square Method (OLS. Specifically, the study aims to study the impact of the profitability, liquidity, revenue growth and financial leverage on the dividend payout policy of the Islamic Banks and conventional banks of Pakistan and how Islamic banks dividend policy differs from conventional banks. This study concludes that the factors like liquidity and financial leverage should be considered and addressed accordingly, because these are key indicators to help policymakers and investors in assessing the performance of the Islamic Banking Industry. DOI: 10.15408/aiq.v10i1.6103

Development of the PROMIS positive emotional and sensory expectancies of smoking item banks.

Science.gov (United States)

Tucker, Joan S; Shadel, William G; Edelen, Maria Orlando; Stucky, Brian D; Li, Zhen; Hansen, Mark; Cai, Li

2014-09-01

The positive emotional and sensory expectancies of cigarette smoking include improved cognitive abilities, positive affective states, and pleasurable sensorimotor sensations. This paper describes development of Positive Emotional and Sensory Expectancies of Smoking item banks that will serve to standardize the assessment of this construct among daily and nondaily cigarette smokers. Data came from daily (N = 4,201) and nondaily (N =1,183) smokers who completed an online survey. To identify a unidimensional set of items, we conducted item factor analyses, item response theory analyses, and differential item functioning analyses. Additionally, we evaluated the performance of fixed-item short forms (SFs) and computer adaptive tests (CATs) to efficiently assess the construct. Eighteen items were included in the item banks (15 common across daily and nondaily smokers, 1 unique to daily, 2 unique to nondaily). The item banks are strongly unidimensional, highly reliable (reliability = 0.95 for both), and perform similarly across gender, age, and race/ethnicity groups. A SF common to daily and nondaily smokers consists of 6 items (reliability = 0.86). Results from simulated CATs indicated that, on average, less than 8 items are needed to assess the construct with adequate precision using the item banks. These analyses identified a new set of items that can assess the positive emotional and sensory expectancies of smoking in a reliable and standardized manner. Considerable efficiency in assessing this construct can be achieved by using the item bank SF, employing computer adaptive tests, or selecting subsets of items tailored to specific research or clinical purposes. © The Author 2014. Published by Oxford University Press on behalf of the Society for Research on Nicotine and Tobacco. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

Spin Forming of an Aluminum 2219-T6 Aft Bulkhead for the Orion Multi-Purpose Crew Vehicle: Phase II Supplemental Report

Science.gov (United States)

Piascik, Robert S.; Squire, Michael D.; Domack, Marcia S.; Hoffman, Eric K.

2015-01-01

The principal focus of this project was to assist the Orion Multi-Purpose Crew Vehicle (MPCV) Program in developing a spin forming fabrication process for manufacture of the aft bulkhead of the pressure vessel. The spin forming process will enable a single piece aluminum (Al) 2219 aft bulkhead which will eliminate the current multiple piece welded construction, simplify fabrication, and lead to an enhanced design that will reduce vehicle weight by eliminating welds. Phase I of this assessment explored spin forming the single-piece forward pressure vessel bulkhead from aluminum-lithium 2195.

Development of the NSRR experimental data bank system, (1)

International Nuclear Information System (INIS)

Ishijima, Kiyomi; Uemura, Mutsumi; Ohnishi, Nobuaki

1981-01-01

To promote collection, arrangement, and utilization of the NSRR experimental data, development of the NSRR experimental data bank system was intended. Fundamental parts of the NSRR experimental data bank system, including the processing program DTBNK, have been completed. Data of the experiments performed so far have been collected and stored. Outline of the processing program and the method of utilization and the present status of the data bank system are discussed. (author)

BENCHMARKING INCIDENCE OF DISTRESS IN THE NIGERIAN BANKING INDUSTRY ON ALTMAN SCALE

Directory of Open Access Journals (Sweden)

Oforegbunam Thaddeus Ebiringa

2011-11-01

Full Text Available This paper applied the Altman’s model in the prediction of distress in the Nigerian bankingindustry. Three banks (Union bank, Bank PHB and Intercontinental Bank declared distress duringthe period of the study were used as case studies. Four years financial statistics prior to distress wasused to compute the most discriminating financial ratios that were substituted into the Altman’smodel. The result of the analysis shows that Altman’s model significantly predicted the distress stateof each of the bank at 0.001level. The implication being that Altman’s model can be validly appliedin the prediction of the health state of banks in Nigeria. The paper recommends for further researchon the domestication and adaptation of the model in order to improve its predictive ability.

Determinants of cross-border bank acquisitions in transition economies1

NARCIS (Netherlands)

Poghosyan, Tigran; de Haan, Jakob

2010-01-01

We analyse the microeconomic determinants of cross-border bank acquisitions in 11 transition economies over the period 1992-2006. We find that foreign banks target relatively large and efficient banks when they enter transition economies with weak institutions. This evidence provides support for the

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

Directory of Open Access Journals (Sweden)

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.

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

OpenAIRE

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 CFR 619.9140 - Farm Credit bank(s).

Science.gov (United States)

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 Banks...

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

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.

78 FR 20643 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-04-05

... (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1... voting shares of Northview Bank, Sandstone, Minnesota, and First Independent Bank, Russell, Minnesota...

Creation of Nepal's First Skin Bank: Challenges and Outcomes.

Science.gov (United States)

Cai, Lawrence; Long, Chao; Karki, Bishal; Nakarmi, Kiran; Iqbal, Adnan; Casertano, Michele; Anderson, Sara; Patell, James; Chang, James; Rai, Shankar Man

2017-11-01

In Nepal, burn trauma causes more than 55,000 injuries each year. Burn-related mortality is high in Nepal, in part due to lack of allograft, leading to high infection rates. To address this challenge, our collaboration between Kirtipur Hospital, America Nepal Medical Foundation, Stanford University, and ReSurge International established Nepal's first skin bank. We identified 3 major tasks to create a sustainable skin banking program: 1) identify and acquire the equipment and personnel needed to collect, process, store, and graft cadaveric skin for burn injuries; 2) develop safe donation protocols and documentation tools that remain feasible for low-resource settings; and 3) develop a long-term awareness program to educate the Nepali people on skin donation, a previously foreign concept. Kirtipur Hospital acquired the necessary equipment and materials for the skin bank through a combination of local and international fundraising efforts. Existing U.S. skin banking protocols were adapted for the Nepali setting and piloted on potential patients, donors, and physicians. For the first time in the hospital's history, patients with > 40% total body surface area burns were successfully treated with extensive allografts. It is feasible to create a skin bank in a country with no tradition of allograft skin use. Long-term sustainability now depends on spreading awareness and education in the Kathmandu Valley to overcome religious and cultural barriers that have hindered donor recruitment. Our low-cost and high-impact skin bank provides a model to expand this system to other hospitals both within Nepal and beyond.

Banking system trust, bank trust, and bank loyalty

NARCIS (Netherlands)

van Esterik-Plasmeijer, P.; van Raaij, W.F.

2017-01-01

Purpose The purpose of this paper is to test a model of banking system trust as an antecedent of bank trust and bank loyalty. Six determinants of trust and loyalty are included: competence, stability, integrity, customer orientation, transparency, and value congruence. The study provides insights

The Bargaining Table and Beyond: How the AFT Came to Support Labor-Management Collaboration

Science.gov (United States)

Kugler, Phil

2014-01-01

When he first came to the American Federation of Teachers (AFT) in 1973, reports Phil Kugler, there was no such thing as labor-management collaboration. It was a term he had never heard of, and no one used it. Back then, the focus was on supporting local unions in their struggles to win collective bargaining rights. At the time, teachers were…

Tanggung Jawab Bank terhadap Nasabah yang Mengalami Kerugian dalam Penggunaan Elektronik Banking

Directory of Open Access Journals (Sweden)

Selly Maulina

2016-12-01

ABSTRACT. The strong development economy requires a bank as a financial institution that is safe for undertaking various financial activities.The positive impact of developments on financial services is the use of e-bankingis also known as internet banking is the bank services that enable customers to obtain information, communicate and conduct banking transactions through the internet, quickly, can be done anywhere and anytime. Internet banking transactions can also pose some risk, Article 1, paragraph (2 of Bank Indonesia Regulation No. 5/8/PBI/2003 on the Application of Risk Management for Commercial Bank said that the risk is the potential for the occurrence of an event  that can cause harm. Risks experienced by customers of PT. BNIS and PT. BCA. According to the Bank Indonesia Regulation Number 10/10/PBI/2008 on the Settlement of customer complaints,customers who suffered the financial  losses can lodge a complaint by means of submitting a complaint to the bank. The protection from a legal perspective rule has no detail rules yet about internet banking so bank makes initiave on internet banking terms and condition.The agreement prioritize customer client obligations rather than rights.

Relationship Banking in Labor Bank

OpenAIRE

三村, 聡

2012-01-01

As Labor bank is seemed as business partner of labor union, it contributes each community activities. For example, Labor bank helps retired employee, laborer and inhabitants. In addition, after the amendment of Money Lending Business Act of 2010, labor bank became clearly community based bank by consulting for heavily-indebted people and their education. This paper analyzes the new role of labor bank such as community contribution and enhancing financing service by collecting of the opinion o...

12 CFR 7.1003 - Money lent at banking offices or at other than banking offices.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Money lent at banking offices or at other than banking offices. 7.1003 Section 7.1003 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE... without violating 12 U.S.C. 36, 12 U.S.C. 81 and 12 CFR 5.30, provided that a third party is used to...

Linking Existing Instruments to Develop an Activity of Daily Living Item Bank.

Science.gov (United States)

Li, Chih-Ying; Romero, Sergio; Bonilha, Heather S; Simpson, Kit N; Simpson, Annie N; Hong, Ickpyo; Velozo, Craig A

2018-03-01

This study examined dimensionality and item-level psychometric properties of an item bank measuring activities of daily living (ADL) across inpatient rehabilitation facilities and community living centers. Common person equating method was used in the retrospective veterans data set. This study examined dimensionality, model fit, local independence, and monotonicity using factor analyses and fit statistics, principal component analysis (PCA), and differential item functioning (DIF) using Rasch analysis. Following the elimination of invalid data, 371 veterans who completed both the Functional Independence Measure (FIM) and minimum data set (MDS) within 6 days were retained. The FIM-MDS item bank demonstrated good internal consistency (Cronbach's α = .98) and met three rating scale diagnostic criteria and three of the four model fit statistics (comparative fit index/Tucker-Lewis index = 0.98, root mean square error of approximation = 0.14, and standardized root mean residual = 0.07). PCA of Rasch residuals showed the item bank explained 94.2% variance. The item bank covered the range of θ from -1.50 to 1.26 (item), -3.57 to 4.21 (person) with person strata of 6.3. The findings indicated the ADL physical function item bank constructed from FIM and MDS measured a single latent trait with overall acceptable item-level psychometric properties, suggesting that it is an appropriate source for developing efficient test forms such as short forms and computerized adaptive tests.

The Response of Performance to Merger Strategy in Indonesian Banking Industry: Analyses on Bank Mandiri, Bank Danamon, and Bank Permata

Directory of Open Access Journals (Sweden)

Murti Lestari

2010-05-01

Full Text Available This study analyzes the responses of performances of BankMandiri, Bank Danamon, and Bank Permata to merger strategy.This paper harnesses the quantitative approach with structuralbreak analysis method and impulse response function. Theplausible findings indicate that the merger of Bank Permataproduces a better performance response in comparison to theconsolidation of Bank Mandiri and the merger of Bank Danamon.The merger of Bank Permata does not result in performanceshocks, and the structural break does not prevail either. On theother hand, the consolidation of Bank Mandiri and the mergerof Bank Danamon result in structural breaks, particularly in thespread performance. In order to return to the stable position, themergers of Bank Mandiri and Bank Danamon require a longertime than does the merger of Bank Permata. This researchindicates that for large banks, the mergers and acquisitions(retaining one existing bank will deliver a better performanceresponse than will the consolidations (no existing bank. Keywords: impulse response function; merger; structural break

77 FR 35680 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-06-14

..., New York, New York 10045-0001: 1. Muhammad Habib, Zurich, Switzerland; to retain a controlling... of Habib American Bank, New York, New York. B. Federal Reserve Bank of Atlanta (Chapelle Davis...

31 CFR 103.187 - Special measures against Myanmar Mayflower Bank and Asia Wealth Bank.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Special measures against Myanmar... measures against Myanmar Mayflower Bank and Asia Wealth Bank. (a) Definitions. For purposes of this section...) Myanmar Mayflower Bank means all headquarters, branches, and offices of Myanmar Mayflower Bank operating...

Pengelolaan Likuiditas Bank Syariah

Directory of Open Access Journals (Sweden)

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/aiq.v6i1.1371

Lagging adaptation to warming climate in Arabidopsis thaliana.

Science.gov (United States)

Wilczek, Amity M; Cooper, Martha D; Korves, Tonia M; Schmitt, Johanna

2014-06-03

If climate change outpaces the rate of adaptive evolution within a site, populations previously well adapted to local conditions may decline or disappear, and banked seeds from those populations will be unsuitable for restoring them. However, if such adaptational lag has occurred, immigrants from historically warmer climates will outperform natives and may provide genetic potential for evolutionary rescue. We tested for lagging adaptation to warming climate using banked seeds of the annual weed Arabidopsis thaliana in common garden experiments in four sites across the species' native European range: Valencia, Spain; Norwich, United Kingdom; Halle, Germany; and Oulu, Finland. Genotypes originating from geographic regions near the planting site had high relative fitness in each site, direct evidence for broad-scale geographic adaptation in this model species. However, genotypes originating in sites historically warmer than the planting site had higher average relative fitness than local genotypes in every site, especially at the northern range limit in Finland. This result suggests that local adaptive optima have shifted rapidly with recent warming across the species' native range. Climatic optima also differed among seasonal germination cohorts within the Norwich site, suggesting that populations occurring where summer germination is common may have greater evolutionary potential to persist under future warming. If adaptational lag has occurred over just a few decades in banked seeds of an annual species, it may be an important consideration for managing longer-lived species, as well as for attempts to conserve threatened populations through ex situ preservation.

BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

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Yuliya Onyshchenko

2015-11-01

Full Text Available The purpose of the paper is to work out and characterize bank business models that are formed in Ukraine. Methodology. Our research we will spend among banks that are functioning on the Ukrainian financial market and are not on the stage of liquidation, so the sample under study in our work is comprised of 131 banks which are different in their ownership structure and size. The core of the methodology is a statistical clustering algorithm that allows identifying the groups of banks (clusters with similar business models as banks with similar business model strategies have made similar choices regarding the composition of their assets and liabilities. The cluster analyses were taken on the base of seven chosen indicators: bank loans, bank liabilities, enterprise loans, enterprise liabilities, household loans, household liabilities and trading assets. Results. The traditional business model of bank is worked out. The bank business models that are functioning in Ukraine are identified on the base of cluster analyses using balance sheet characteristics of 131 Ukrainian banks. We find that in Ukraine were formed three types of bank business models: “Focused retail”, “Diversified retail” and “Corporative retail”. The description of each model is given. Practical implications. More detailed research of distinguished models allows not only to find out the main advantages and disadvantages of each bank model, but also the main problems that follow the development of Ukrainian banking sector. Identifying of bank models and their studying simplifies searching and elaboration of regulatory instruments as there is a two-way causation between regulation and bank business models. This implies a symbiotic relationship between regulation and bank business models: business models respond to regulation which in turn responds to the evolution of new business models. Value/originality. Such survey is conducted at the first time among Ukrainian banks. The

RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

OpenAIRE

PAKSOY, H. Mustafa; ABAROSS, Nour

2015-01-01

This study deals with the nature of Islamic banks and their features, and requirements of these features in terms of control tools and methods appropriate with the particularity of their business and their relation with the traditional central bank. At the same time aims to view the relationship between Islamic bank and central bank. To explain this relation the researcher started to explain what is the central bank, objectives of central bank, and characteristics, what is Islamic bank and ob...

CRISPR-Cas: Adapting to change.

Science.gov (United States)

Jackson, Simon A; McKenzie, Rebecca E; Fagerlund, Robert D; Kieper, Sebastian N; Fineran, Peter C; Brouns, Stan J J

2017-04-07

Bacteria and archaea are engaged in a constant arms race to defend against the ever-present threats of viruses and invasion by mobile genetic elements. The most flexible weapons in the prokaryotic defense arsenal are the CRISPR-Cas adaptive immune systems. These systems are capable of selective identification and neutralization of foreign DNA and/or RNA. CRISPR-Cas systems rely on stored genetic memories to facilitate target recognition. Thus, to keep pace with a changing pool of hostile invaders, the CRISPR memory banks must be regularly updated with new information through a process termed CRISPR adaptation. In this Review, we outline the recent advances in our understanding of the molecular mechanisms governing CRISPR adaptation. Specifically, the conserved protein machinery Cas1-Cas2 is the cornerstone of adaptive immunity in a range of diverse CRISPR-Cas systems. Copyright © 2017, American Association for the Advancement of Science.

12 CFR 201.51 - Interest rates applicable to credit extended by a Federal Reserve Bank. 1

Science.gov (United States)

2010-01-01

... account rates on market sources of funds. (d) Primary credit rate in a financial emergency. (1) The... rates for primary credit provided to depository institutions under § 201.4(a) are: Federal Reserve Bank... institutions under 201.4(b) are: Federal Reserve Bank Rate Effective Boston 1.00 December 17, 2008. New York 1...

12 CFR 25.26 - Small bank performance standards.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Small bank performance standards. 25.26 Section... § 25.26 Small bank performance standards. (a) Performance criteria—(1) Small banks that are not... lending performance is evaluated pursuant to the following criteria: (1) The bank's loan-to-deposit ratio...

Penilaian Tingkat Kesehatan Bank Dengan Menggunakan Pendekatan Risiko (Risk-Based Bank Rating

Directory of Open Access Journals (Sweden)

Masnawati .

2016-04-01

Full Text Available This  study  aimed  to  analyze  techniques  of  the  bank’s  health  assessment  and determine  which  strategies  should  be  done  in  order  to  improve  the  health  of the bank. The method used is the approach of Risk (Risk Based-Bank Rating in accordance with Bank Indonesia Regulation on Rating Bank that PBI Number: 13/1/PBI/2011  which  entered  into  force  on  January  1,  2012.  Bank  health assessment  performed  using  four  (4  factors:  Risk  Profile,  Good  Corporate Governance (GCG, Earning, and Capital. Object  of  this  study  is  PT.  Bank  Pembangunan  Daerah  Kalimantan  Selatan period  2012.  The  results  showed  that  the  health  of  banks  in  PT.  Bank Pembangunan  Daerah  Kalimantan  Selatan  getting  ranked  2,  meaning  can be  categorized  good.  Strategies  to  improve  the  health  value  of  a  bank  is  to improve aspects of Earnings and Capital. Strategis Steps that must to increase credit expansion, improve the quality and quantity of human resources, product innovation, and increase fee-based income. Keywords: Healthy  banks,  Risk  Profile,  Good  Corporate  Governance  (GCG,  Earnings, Capital

Relationship Management in the Banking Industry : The Use of Facebook

OpenAIRE

Dobosz, Sandra

2012-01-01

The economic situation and the improved technology weaken the bond be-tween banks and their customers. To adapt to the changing behavior of customers banks engage in Social Media with the aim to strengthen their relationship. However, Social Media may not have the expected effect on the banks’ customers. The purpose of this thesis is to answer whether interaction through Facebook can improve the relationship between Handelsbanken and its customers and whether the employees’ and the customers’...

Is shadow banking really banking?

OpenAIRE

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.

Earnings and bank profitability in Nigeria

Directory of Open Access Journals (Sweden)

John N. N. Ugoani

2016-12-01

Full Text Available Bank earnings in form of retained profit help in the capital formation of banks. This is critical because capital inadequacy is often a cause of bank failures. During the banking crisis in Nigeria the gross earnings of many banks diminished considerably due to frauds and bad management. For example, in 2009 the Central Bank of Nigeria revoked the operating licences of fourteen banks which had huge nonperforming loans and were making losses. The fragility in the Nigerian banking system in the 1990s and beyond was compounded due to wide spread poor corporate governance practices and imprudent lending that led to the erosion of gross earnings and profitability. The study employed the exploratory research design. Data analyses were done through description statistics and the regression technique using the statistical package for the social sciences. The regression result was Y = 4.926 + 1.877x meaning that with an increase of 1 percent in gross earnings bank profitability increases by 1.88 percent. This is the crux of the study.

BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

Directory of Open Access Journals (Sweden)

Rahmatina A. Kasri

2017-08-01

Full Text Available Bank run is an important economic phenomenon which increasingly occurred in in modern banking system and potentially threatened banking stability as it could trigger a banking crisis. However, most studies related to bank run focus on the occurrence of bank run in conventional banking system. Very few of them discuss the bank run phenomenon under Islamic banking system or dual banking system where Islamic banks jointly operating with conventional banks. Therefore, this study attempts to analyze the determinants of bank run in the Indonesian Islamic banking industry by employing primary data from 256 customers of Indonesia Islamic banks in 2015 and by utilizing factor analysis and descriptive statistics. In theory, Islamic banks tend to be more resilient towards any macroeconomic or financial shocks as compared to conventional banks due to the nature of its asset-based and risk-sharing arrangement. However, the result exhibits that both psychological and fundamental factors (i.e. macroeconomics and bank fundamentals strongly influence the behaviors of Islamic banking depositors to withdraw their funds, which might trigger the occurrence of bank runs in the country. Insider information, macroeconomic condition and bank fundamental factors are also shown to have the highest impacts among all variables. Hence, in the context of banking stability, the finding implies that Islamic banks are not completely immune to the impacts of macroeconomic shocks or financial crisis. As a country with a dual banking system, Indonesia had experienced several bank runs since 1990s. Therefore, the findings of the study should provide the policy makers important insight into research based-policy in order to attain financial stability as one of the main economic goals of the country. Keywords: Bank run, Islamic bank, Factor analysis, Indonesia JEL Classification: C83, G21, G28

40 CFR 89.205 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 89.205 Section 89.205... EMISSIONS FROM NEW AND IN-USE NONROAD COMPRESSION-IGNITION ENGINES Averaging, Banking, and Trading Provisions § 89.205 Banking. (a) Requirements for Tier 1 engines rated at or above 37 kW. (1) A manufacturer...

40 CFR 90.205 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 90.205 Section 90.205... EMISSIONS FROM NONROAD SPARK-IGNITION ENGINES AT OR BELOW 19 KILOWATTS Certification Averaging, Banking, and Trading Provisions § 90.205 Banking. (a)(1) Beginning August 1, 2007, a manufacturer of a Class I engine...

Simulating Retail Banking for Banking Students

Science.gov (United States)

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…

12 CFR 900.1 - Basic terms relating to the Finance Board, the Bank System and related entities.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Basic terms relating to the Finance Board, the... GENERAL DEFINITIONS GENERAL DEFINITIONS APPLYING TO ALL FINANCE BOARD REGULATIONS § 900.1 Basic terms... following basic terms relating to the Finance Board, the Bank System and related entities have the meanings...

An experimental comparison of conventional two-bank and novel four-bank dynamic MLC tracking

International Nuclear Information System (INIS)

Davies, G A; Clowes, P; McQuaid, D; Evans, P M; Webb, S; Poludniowski, G

2013-01-01

The AccuLeaf mMLC featuring four multileaf-collimator (MLC) banks has been used for the first time for an experimental comparison of conventional two-bank with novel four-bank dynamic MLC tracking of a two-dimensional sinusoidal respiratory motion. This comparison was performed for a square aperture, and for three conformal treatment apertures from clinical radiotherapy lung cancer patients. The system latency of this prototype tracking system was evaluated and found to be 1.0 s and the frequency at which MLC positions could be updated, 1 Hz, and therefore accurate MLC tracking of irregular patient motion would be difficult with the system in its current form. The MLC leaf velocity required for two-bank-MLC and four-bank-MLC tracking was evaluated for the apertures studied and a substantial decrease was found in the maximum MLC velocity required when four-banks were used for tracking rather than two. A dosimetric comparison of the two techniques was also performed and minimal difference was found between two-bank-MLC and four-bank-MLC tracking. The use of four MLC banks for dynamic MLC tracking is shown to be potentially advantageous for increasing the delivery efficiency compared with two-bank-MLC tracking where difficulties are encountered if large leaf shifts are required to track motion perpendicular to the direction of leaf travel. (paper)

Bank Diversification Effects on Bank Performance and Risk Profile of Bank in Indonesia

Directory of Open Access Journals (Sweden)

Anthony Lukmawijaya

2015-05-01

Full Text Available We investigate the relationship of Indonesian bank diversification towards its long term performance and risk profile with Indonesian bank data from 2009 to 2013. Non-interest income to total operating income of the bank measures its bank diversification level. Bank value is measured by the adjusted Tobin's Q and risk profile which is broken down into total risk, idiosyncratic risk, and systematic risk. The result shows that bank non-interest income diversification has a positive influence on its franchise value. There is, however, no strong evidence that diversification can lower a bank's risk profile.

Denying Foreign Bank Entry: Implications For Bank Interest Margins

OpenAIRE

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...

E-BANKING- MODERN BANKING SERVICES

Directory of Open Access Journals (Sweden)

MIRANDA PETRONELLA VLAD

2009-05-01

Full Text Available E-banking is the first of those banking services that really economize time, because it allows to the user to accomplish from behind the computer many operations in the bank account, represents the computational solution that allows to the holder to have

78 FR 33092 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-03

... June 12, 2013. A. Federal Reserve Bank of St. Louis (Yvonne Sparks, Community Development Officer) P.O... (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1... thereby acquire Lead Bank, both in Garden City, Missouri. [[Page 33093

Internet Banking integration within the banking system

Directory of Open Access Journals (Sweden)

Constantin Marian MATEI

2008-01-01

Full Text Available 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. For the Internet Banking applications, SOA proved to be the optimal architectural solution, for a smoth integration between banking services from the front-end to the back-end.This paper intend to offer an insite analyse of the Internet Banking applications architecture integrated with other banking systems. A SOA oriented analyse will establish the scope of the integration architecture.

Psychometric evaluation of an item bank for computerized adaptive testing of the EORTC QLQ-C30 cognitive functioning dimension in cancer patients.

Science.gov (United States)

Dirven, Linda; Groenvold, Mogens; Taphoorn, Martin J B; Conroy, Thierry; Tomaszewski, Krzysztof A; Young, Teresa; Petersen, Morten Aa

2017-11-01

The European Organisation of Research and Treatment of Cancer (EORTC) Quality of Life Group is developing computerized adaptive testing (CAT) versions of all EORTC Quality of Life Questionnaire (QLQ-C30) scales with the aim to enhance measurement precision. Here we present the results on the field-testing and psychometric evaluation of the item bank for cognitive functioning (CF). In previous phases (I-III), 44 candidate items were developed measuring CF in cancer patients. In phase IV, these items were psychometrically evaluated in a large sample of international cancer patients. This evaluation included an assessment of dimensionality, fit to the item response theory (IRT) model, differential item functioning (DIF), and measurement properties. A total of 1030 cancer patients completed the 44 candidate items on CF. Of these, 34 items could be included in a unidimensional IRT model, showing an acceptable fit. Although several items showed DIF, these had a negligible impact on CF estimation. Measurement precision of the item bank was much higher than the two original QLQ-C30 CF items alone, across the whole continuum. Moreover, CAT measurement may on average reduce study sample sizes with about 35-40% compared to the original QLQ-C30 CF scale, without loss of power. A CF item bank for CAT measurement consisting of 34 items was established, applicable to various cancer patients across countries. This CAT measurement system will facilitate precise and efficient assessment of HRQOL of cancer patients, without loss of comparability of results.

Evaluating Bank Profitability in Ghana: A five step Du-Pont Model Approach

Directory of Open Access Journals (Sweden)

Baah Aye Kusi

2015-09-01

Full Text Available We investigate bank profitability in Ghana using periods before, during and after the globe financial crises with the five step du-pont model for the first time.We adapt the variable of the five step du-pont model to explain bank profitability with a panel data of twenty-five banks in Ghana from 2006 to 2012. To ensure meaningful generalization robust errors fixed and random effects models are used.Our empirical results suggests that bank operating activities (operating profit margin, bank efficiency (asset turnover, bank leverage (asset to equity and financing cost (interest burden  were positive and significant determinants of bank profitability (ROE during the period of study implying that bank in Ghana can boost return to equity holders through the above mentioned variables. We further report that the five step du-pont model better explains the total variation (94% in bank profitability in Ghana as compared to earlier findings suggesting that bank specific variables are keen in explaining ROE in banks in Ghana.We cited no empirical study that has employed five step du-pont model making our study unique and different from earlier studies as we assert that bank specific variables are core to explaining bank profitability.                

Stabilization of the bank upstream on the north shore of the La Grande-1 installation

International Nuclear Information System (INIS)

Massiera, M.

1998-01-01

As part of the completion of the La Grande-1 project, construction of a 2,444 m long dyke was required on the north bank of the La Grande River. Sensitive marine clay, covered with deltaic and river sand and silt deposits was discovered which required special design features such as stabilization of the river bank, to avoid the possibility of disastrous retrogressive slides. This paper describes the geotechnical conditions of the northern terrace and the options available for stabilizing the river bank. Different phases of the construction of the stabilization dyke, including the excavated trench across the terrace, the instrumentation installed and the control measures taken, are also outlined. 8 refs., 1 tab., 3 figs

12 CFR 228.26 - Small bank performance standards.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Small bank performance standards. 228.26... bank performance standards. (a) Performance criteria—(1) Small banks that are not intermediate small... performance is evaluated pursuant to the following criteria: (1) The bank's loan-to-deposit ratio, adjusted...

Class-Wide Access to a Commercial Step 1 Question Bank During Preclinical Organ-Based Modules: A Pilot Project.

Science.gov (United States)

Baños, James H; Pepin, Mark E; Van Wagoner, Nicholas

2018-03-01

The authors examined the usefulness of a commercially available Step 1 question bank as a formative academic support tool throughout organ-based modules in an integrated preclinical medical curriculum. The authors also determined the extent to which correlation between question bank utilization and academic metrics varied with Medical College Admission Test (MCAT) scores. In 2015, a cohort of 185 first-year medical students at University of Alabama School of Medicine were provided with 18-month full access to a commercially available Step 1 question bank of over 2,100 items throughout organ-based modules, although there were no requirements for use. Data on student use of the question bank were collected via an online administrative portal. Relationships between question bank utilization and academic outcomes including exams, module grades, and United States Medical Licensing Examination (USMLE) Step 1 were determined using multiple linear regression. MCAT scores and number of items attempted in the question bank significantly predicted all academic measures, with question bank utilization as the stronger predictor. The association between question bank utilization and academic outcome was stronger for individuals with lower MCAT scores. The findings elucidate a novel academic support mechanism that, for some programs, may help bridge the gap between holistic and mission-based admissions practices and a residency match process that places a premium on USMLE exam scores. Distributed formative use of USMLE Step 1 practice questions may be of value as an academic support tool that benefits all students, but particularly those entering with lower MCAT scores.

Compression of seismic data: filter banks and extended transforms, synthesis and adaptation; Compression de donnees sismiques: bancs de filtres et transformees etendues, synthese et adaptation

Energy Technology Data Exchange (ETDEWEB)

Duval, L.

2000-11-01

Wavelet and wavelet packet transforms are the most commonly used algorithms for seismic data compression. Wavelet coefficients are generally quantized and encoded by classical entropy coding techniques. We first propose in this work a compression algorithm based on the wavelet transform. The wavelet transform is used together with a zero-tree type coding, with first use in seismic applications. Classical wavelet transforms nevertheless yield a quite rigid approach, since it is often desirable to adapt the transform stage to the properties of each type of signal. We thus propose a second algorithm using, instead of wavelets, a set of so called 'extended transforms'. These transforms, originating from the filter bank theory, are parameterized. Classical examples are Malvar's Lapped Orthogonal Transforms (LOT) or de Queiroz et al. Generalized Lapped Orthogonal Transforms (GenLOT). We propose several optimization criteria to build 'extended transforms' which are adapted the properties of seismic signals. We further show that these transforms can be used with the same zero-tree type coding technique as used with wavelets. Both proposed algorithms provide exact compression rate choice, block-wise compression (in the case of extended transforms) and partial decompression for quality control or visualization. Performances are tested on a set of actual seismic data. They are evaluated for several quality measures. We also compare them to other seismic compression algorithms. (author)

Detection of Excessive Wind Turbine Tower Oscillations Fore-Aft and Sideways

DEFF Research Database (Denmark)

Knudsen, Torben; Bak, Thomas; Tabatabaeipour, Seyed Mojtaba

2012-01-01

Fatigue loads are important for the overall cost of energy from a wind turbine. Loading on the tower is one of the more important loads, as the tower is an expensive component. Consequently, it is important to detect tower loads, which are larger than necessary. This paper deals with both fore......-aft and sideways tower oscillations. Methods for estimation of the amplitude and detection of the cause for vibrations are developed. Good results are demonstrated for real data from modern multi mega watt turbines. It is shown that large oscillations can be detected and that the method can discriminate between...... wind turbulence and unbalanced rotor....

12 CFR 34.84 - Future bank expansion.

Science.gov (United States)

2010-01-01

..., the bank shall state, by resolution of the board of directors or an appropriately authorized bank... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Future bank expansion. 34.84 Section 34.84 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND...

Interest Free Banking in Nigeria - Welcome Islamic Banking ...

African Journals Online (AJOL)

Interest Free Banking in Nigeria - Welcome Islamic Banking; Welcome Christian Banking. ... banks pay interest on deposits, and charge interest on loans and advances, ... However, the literature on interest rates, in relation to Commercial Bank ...

78 FR 19267 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-03-29

... indirectly retain voting shares of First-Citizens Bank & Trust Company, both in Raleigh, North Carolina. B... Byrd Street, Richmond, Virginia 23261-4528: 1. Olivia Britton Holding, Raleigh, North Carolina; to... First-Citizens Bank & Trust Company, both in Raleigh, North Carolina. 2. Frank Brown Holding, Jr...

26 CFR 301.7507-1 - Banks and trust companies covered.

Science.gov (United States)

2010-04-01

... bank or trust company organized under State law, a substantial portion of the business of which consists of receiving deposits and making loans and discounts, and which has— (1) Ceased to do business by... of the depositors or (ii) transferred to an individual or corporate trustee or agent who liquidates...

Impact of E-Banking on Traditional Banking Services

OpenAIRE

Vyas, Shilpan Dineshkumar

2012-01-01

Internet banking is changing the banking industry, having the major effects on banking relationships. Banking is now no longer confined to the branches were one has to approach the branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. In true Internet banking, any inquiry or transaction is processed online without any reference to the branch (anywhere banking) at any time. Providing Internet banking is increasingly becoming a "need to have" than a "nice to...

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

Directory of Open Access Journals (Sweden)

Aditya Wardhana

2015-09-01

Full Text Available 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 which totaled 19.9 million customers with the size of the sample being 400 respondents. The sampling method used nonprobability sampling by incidental sampling. The results by using a structural equation modeling (SEM found significant influences between service quality of mobile banking (m-banking partially and simultaneously to customer satisfaction.

76 FR 1165 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2011-01-07

...Vest Bank of Maryland, Rockville, Maryland. B. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Russell James Gesell... Trust, all in Saint Paul, Minnesota; and Russell James Gesell, Rene J. Gesell, The Charles R. Gesell...

REPO Operations - a Way to Adjust Liquidity Crisis on Banking Institutions

Directory of Open Access Journals (Sweden)

Lucean Mihalcea

2016-07-01

Full Text Available Money market operations (open market operations constitute the most important instrument of the monetary policy of the NATIONAL BANK of ROMANIA. They shall be carried out on the initiative of the Central Bank, having the following functions: guiding interest rates, managing the liquidity conditions of the monetary market and signaling the orientation of the monetary policy. In this context, a systematic and a market organization is essential able to adapt to the new conditions imposed by the relaxation of credit operations. Implementation and operational systematization of such types of transaction can help banking entities in adjusting the liquidity crisis and the support on the way to economic growth.

Relationship between macroeconomic aggregates and bank performance

Directory of Open Access Journals (Sweden)

Mitrović Ranka

2016-01-01

Full Text Available The aim of the paper is relations between some macroeconomic aggregates and performance of banks. This paper show analysis of trends in gross domestic product, exchange rates, interest rates, inflation load, developments in the balance of payments. On the business side, performance is achieved insight into the liquidity, capital adequacy, and the amount of non-performable loans. The aim of the research is to refute or confirm the interconnectedness of movement values of macroeconomic aggregates and bank performance. The analysis confirmed the association of two set variables. The negative value movements of macroeconomic aggregates directly or indirectly have an impact on the quality of performance of the banking sector. Therefore, it is necessary to define an adequate strategy of the economy, would not it safer to carry out the process of adapting to new developments in the market, such as the global financial crisis, the rise in unproductive enterprises, distrust customers etc.

Results of Instrument Observations and Adaptive Prediction of Thermoabrasion of Banks of the Vilyui Reservoir

International Nuclear Information System (INIS)

Velikin, S. A.; Sobol’, I. S.; Sobol’, S. V.; Khokhlov, D. N.

2013-01-01

Quantitative data derived from observations of reformation of the thermoabrasive banks of the Viliyui Reservoir in Yakutia during the service period from 1972 through 2011, and results of analytical prediction of bank formations over the next 20 years for purposes of monitoring the ecological safety of this water body are presented

Results of Instrument Observations and Adaptive Prediction of Thermoabrasion of Banks of the Vilyui Reservoir

Energy Technology Data Exchange (ETDEWEB)

Velikin, S. A. [Vilyuisk Permafrost Scientific-Research Station, Institute of Permafrost Science, Siberian Division of the Russian Academy of Sciences (Russian Federation); Sobol' , I. S.; Sobol' , S. V.; Khokhlov, D. N. [Nizhnii Novgorod State Architectural and Civil-Engineering University (Russian Federation)

2013-11-15

Quantitative data derived from observations of reformation of the thermoabrasive banks of the Viliyui Reservoir in Yakutia during the service period from 1972 through 2011, and results of analytical prediction of bank formations over the next 20 years for purposes of monitoring the ecological safety of this water body are presented.

THE BANKING SYSTEM OF THE RUSSIAN FEDERATION: STATUS AND PROSPECTS

Directory of Open Access Journals (Sweden)

L. N. Sotnikova

2015-01-01

Full Text Available The features and current trends in the development of the banking system of the Russian Federation are highlighted in the article. The authors propose an original method of evaluation of activities of credit organizations with the use of statistical data and rating agencies. The concept of the banking system is summarized in this article. Also its structure is analyzed by the number of credit institutions and the quality of their operations. The authors identifie differences between the concepts of banking service, banking operation and banking product and propose classification according to different characteristics of banking institutions and operations that they carry out. Then the authors go to estimating the volume of banking services in Russia and their patterns in total. Separately the main passive (deposits and loans and active operations (lending to legal entities and individuals are characterized. The authors identifie the major developments in the banking system of the Russian Federation in 2014 due to political and economic sanctions by the U.S. and Eurozone countries. The article provides a vision of the authors on the further development of the banking activity in Russia and proposes specific measures to adapt the banking system of the Russian Federation in a constantly changing political and economic conditions (financial sanctions, a change of key Central Bank rates, devaluation, etc.. According to the authors' opinion the expected prospects of development of the banking system of the Russian Federation to 2015 are: the growth in savings accounts in banks; sanctions will be of a personal nature and will not affect the largest credit institutions; the active growth of the corporate loan portfolio will continue; the growth of retail lending portfolio will continue to slow; mortgage lending will increase in the total loan portfolio of the banking sector of Russia.

Analysis of pressure blips in aft-finocyl solid rocket motor

Science.gov (United States)

Di Giacinto, M.; Favini, B.; Cavallini, E.

2016-07-01

Ballistic anomalies have frequently occurred during the firing of several solid rocket motors (SRMs) (Inertial Upper Stage, Space Shuttle Redesigned SRM (RSRM) and Titan IV SRM Upgrade (SRMU)), producing even relevant and unexpected variations of the SRM pressure trace from its nominal profile. This paper has the purpose to provide a numerical analysis of the following possible causes of ballistic anomalies in SRMs: an inert object discharge, a slag ejection, and an unexpected increase in the propellant burning rate or in the combustion surface. The SRM configuration under investigation is an aft-finocyl SRM with a first-stage/small booster design. The numerical simulations are performed with a quasi-one-dimensional (Q1D) unsteady model of the SRM internal ballistics, properly tailored to model each possible cause of the ballistic anomalies. The results have shown that a classification based on the head-end pressure (HEP) signature, relating each other the HEP shape and the ballistic anomaly cause, can be made. For each cause of ballistic anomalies, a deepened discussion of the parameters driving the HEP signatures is provided, as well as qualitative and quantitative assessments of the resultant pressure signals.

The vertical separation of fish in the aft end of a demersal trawl

DEFF Research Database (Denmark)

Krag, Ludvig Ahm; Holst, René; Madsen, Niels

2009-01-01

and to compare the performance of the two frames. The vertical distribution of cod in the aft end of the trawl was close to uniform, whereas haddock (Melanogrammus aeglefinus), whiting (Merlangius merlangus), plaice (Pleuronectes platessa), and lemon sole (Microstomus kitt) showed more uneven distributions....... The use of guiding bars in the separator frame significantly (p lemon sole in the upper compartment. The vertical separation of cod was density-dependent; high densities of fish resulted in a more uniform distribution of cod. The species separations found...

Role of Foreign Banks in Integration of Banking Industry

Directory of Open Access Journals (Sweden)

Roman Šubić

2009-12-01

Full Text Available Dynamic development of financial industry in some last ten years that, considering the kind of financial agents, remained bank-oriented represents a suficient reason to investigate the causes that brought to the present structure of banking system. After having presented theoretical bases of the integration forms and banks connection, the paper analyzes the influence of foreign banks on the development of Croatian bank system. Thus, beside the knowledge of quantitative changes in the banking system, the paper researched the motivations of the banks regarding integration that, among other things, brought to creating the effects of scale and scope economies. However, the concentrations among banks can lead to creation of negative externalities that later become potential dangers for the banking. Pre-cognitions on development of banking system are used to create projection of future banking development while the data basis of the countries from the region enabled the comparative analysis of banks integration in these countries. The conclusion is that the foreign banks have been the largest promoters of bank integration in the Republic of Croatia contributing also to qualitative development of banking market and to deepening of financial market spectrum.

Stabilization of the dyke on the north bank of the La Grande 1 hydroelectric complex

International Nuclear Information System (INIS)

Massiera, M.; Tournier, J-P.

2000-01-01

Special design features required in constructing a 2444 m long dyke on the north bank of the La Grade River at the site of the La Grande 1 hydroelectric power project are described. The special features involved construction of a downstream bank and upstream stabilization berms to avoid the occurrence of potentially dangerous retrogressive slides. These special features were deemed essential due to the presence of sensitive marine clay, covered with deltaic sand and silt and river sand deposits. The paper highlights the geotechnical and hydrogeological conditions of the northern terrace, and describes the different construction phases of stabilizing the river bank. Control of groundwater pressures in the lower aquifer with relief wells is emphasized. 9 refs., 1 tab., 17 figs

Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

OpenAIRE

Nuryati; Gendis Gumilar, Amethysa

2011-01-01

This study analyzes and compares the financial risk of the two types of commercial banks, namely conventional commercial bank and Islamic commercial bank. Analysis tools used in this study is to use financial ratios and dicriminant values (Z values). Analysis showed that the ratio of liquidity and solvability ratios higher islamic commercial bank than conventional commercial bank. Z values higher islamic commercial bank than conventional commercial bank. The commercial banks are in a state of...

The Economic Security of Bank: Theoretical Basis and Systemic Approach

Directory of Open Access Journals (Sweden)

Gavlovska Nataliia I.

2017-07-01

Full Text Available The article analyzes the existing approaches to interpreting the category of «economic security of bank». A author’s own definition of the concept of «economic security of bank» has been proposed, which should be understood as condition of protecting the vital interests of bank, achieved by harmonizing relationships with the entities of external influence and optimizing the internal system processes, thus enabling efficient function as well as development by means of an adaptation mechanism. A number of approaches to understanding the substance of the above concept has been allocated and their main characteristics have been provided. The need to study the specifics of interaction of banking institutions with the external environment in the context of interaction between the State agents and market actors has been underlined. Features of formation of the term of «system» have been defined, three main groups of approaches to interpretation of the term have been provided. A author’s own definition of the concept of «economic security system of bank» has been proposed. A concrete definition of principles for building an economic security system of bank has been provided.

Is banking supervision central to central banking?

OpenAIRE

Joe Peek; Eric S. Rosengren; Geoffrey M. B. Tootell

1997-01-01

Whether central banks should play an active role in bank supervision and regulation is being debated both in the United States and abroad. While the Bank of England has recently been stripped of its supervisory responsibilities and several proposals in the United States have advocated removing bank supervision from the Federal Reserve System, other countries are considering enhancing central bank involvement in this area. Many of the arguments for and against these proposals hinge on the effe...

Australian Chemistry Test Item Bank: Years 11 & 12. Volume 1.

Science.gov (United States)

Commons, C., Ed.; Martin, P., Ed.

Volume 1 of the Australian Chemistry Test Item Bank, consisting of two volumes, contains nearly 2000 multiple-choice items related to the chemistry taught in Year 11 and Year 12 courses in Australia. Items which were written during 1979 and 1980 were initially published in the "ACER Chemistry Test Item Collection" and in the "ACER…

76 FR 31612 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2011-06-01

... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in...) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Marci Johnson Shaw, Fairfield, Montana; to...

Multiple Maximum Exposure Rates in Computerized Adaptive Testing

Science.gov (United States)

Ramon Barrada, Juan; Veldkamp, Bernard P.; Olea, Julio

2009-01-01

Computerized adaptive testing is subject to security problems, as the item bank content remains operative over long periods and administration time is flexible for examinees. Spreading the content of a part of the item bank could lead to an overestimation of the examinees' trait level. The most common way of reducing this risk is to impose a…

Banking marketing mix trends in a digital era

Directory of Open Access Journals (Sweden)

Catalina Ioana Chirica

2012-10-01

Full Text Available We live in a dynamic world, with everything changing more rapidly than perhaps ever before. Changes are simultaneously a cause and an effect in this world, triggered and affecting both companies (inclusing banks and consumers. Pro-activity and reactivity are key words. Adaptation of strategies, focused consumer targeting, extended usage of new technologies, rapid growth of online environment, breakthrough of social networks and smartphones, all represent factors that converge to one direction: a digital era, when companies/banks should focus on their clients' fidelity and have an in-depth understanding of their market in order to create a real competitive advantage.

Calibration of the PROMIS physical function item bank in Dutch patients with rheumatoid arthritis.

Directory of Open Access Journals (Sweden)

Martijn A H Oude Voshaar

Full Text Available OBJECTIVE: To calibrate the Dutch-Flemish version of the PROMIS physical function (PF item bank in patients with rheumatoid arthritis (RA and to evaluate cross-cultural measurement equivalence with US general population and RA data. METHODS: Data were collected from RA patients enrolled in the Dutch DREAM registry. An incomplete longitudinal anchored design was used where patients completed all 121 items of the item bank over the course of three waves of data collection. Item responses were fit to a generalized partial credit model adapted for longitudinal data and the item parameters were examined for differential item functioning (DIF across country, age, and sex. RESULTS: In total, 690 patients participated in the study at time point 1 (T2, N = 489; T3, N = 311. The item bank could be successfully fitted to a generalized partial credit model, with the number of misfitting items falling within acceptable limits. Seven items demonstrated DIF for sex, while 5 items showed DIF for age in the Dutch RA sample. Twenty-five (20% items were flagged for cross-cultural DIF compared to the US general population. However, the impact of observed DIF on total physical function estimates was negligible. DISCUSSION: The results of this study showed that the PROMIS PF item bank adequately fit a unidimensional IRT model which provides support for applications that require invariant estimates of physical function, such as computer adaptive testing and targeted short forms. More studies are needed to further investigate the cross-cultural applicability of the US-based PROMIS calibration and standardized metric.

76 FR 81940 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2011-12-29

... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in... South LaSalle Street, Chicago, Illinois 60690-1414: 1. Helen P. Johnson-Leipold, Imogene P. Johnson, all...

Regional Banks in the Russian Banking System

Directory of Open Access Journals (Sweden)

Mikhail Vitalyevich Leonov

2015-06-01

Full Text Available Despite the lack of a uniform definition of «a regional bank», problems of their activities are widely discussed in the context of increasing regulation of the banking sector and creation of conditions for accelerated development of certain regions. The author analyses the Russian-language scientific literature in order to define «a regional bank» and systematize its key differences from other commercial banks. The researcher shows that the allocation of regional banks in a separate group should be related to specific features of the environment and not by endogenous factors associated with the selection of activities and balance sheet structure. The low level of financial market development and concentration of specific undiversified risks are the principal qualifiers differentiating between regional banks and other credit institutions in Russia. As classification criteria the author uses following: spatial representation (the bank does not have structural subdivisions in Moscow and the ownership structure (among the bank’s owners there are no national and international financial groups that have a direct impact on the operations of the bank

Mobile banking: New trend in the contemporary banking sector

Directory of Open Access Journals (Sweden)

Sanader Dušica

2014-01-01

Full Text Available In the late 1990s and early 2000s, banking has undergone and is still undergoing some considerable changes, adjusting itself to the new circumstances and challenges in its environment. Modern information technologies have granted an opportunity to banks to expand their operations and adjust their offer of products and services, placing them through the new communication channels. The increasing reliance on mobile devices, especially the so-called smart phones, has facilitated the development of a new form of banking, known as mobile banking. Mobile banking is a specific channel of electronic banking, enabling clients to communicate with the bank via mobile devices. The bank's products and services are, thus, available to the clients at any time and at any place, and the banking sector is expected to perfectly understand the needs of today's clients, before implementing mobile banking. The research in this paper focuses on mobile banking, as a segment of electronic banking, which has developed under the influence of modern information technologies. The paper elaborates on the main characteristics of mobile banking, its advantages, but also its drawbacks that the banks and their clients are facing in the process of its utilization (or its implementation in practice. Moreover, the paper presents the trends of using mobile banking in the world and in Serbia, along with the tendencies for developing new services.

FRACTIONAL BANKING

OpenAIRE

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.

EUROPEAN INVESTMENT BANK'S ROLE IN ECONOMIC DEVELOPMENT OF ROMANIA AND EUROPE

Directory of Open Access Journals (Sweden)

HAGIU ALINA

2014-10-01

Full Text Available European Investment Bank is the European Union's financial institution. It finances investment projects to contribute to the balanced development of the Union. At the same time "bank" and "body" of the European Union, it contributes to the achievement of the European Union objectives by funding projects to promote European integration, balanced development, economic and social cohesion and the development of an economy based on innovation. Today, the EIB exists on the capital markets with the best quote, “Triple A”. This quote allows it to mobilize in highly competitive conditions, the most important financial volume required to support investments. As an institution, EIB continuously adapts its working mode to changes in EU policies. As a bank, it works closely with the banking community, both for loans on the capital markets as well as for financing investments.

On the possible high +Gz tolerance increase by multimodal brain imaging controlled respiratory AFTE biofeedback training exercise

Science.gov (United States)

Smietanowski, Maciej; Achimowicz, Jerzy; Lorenc, Kamil; Nowicki, Grzegorz; Zalewska, Ewa; Truszczynski, Olaf

The experimental data related to Valsalva manouvers and short term voluntary apnea, available in the literature, suggest that the cerebral blood flow increase and reduction of the peripheral one may be expected if the specific AFTE based respiratory training is performed. The authors had verified this hypothesis by studying the relations between EEG measured subject relaxation combined with voluntary apnea by multimodal brain imaging technique (EEG mapping, Neuroscan and fMRI) in a group of healthy volunteers. The SPM analysis of respiratory related changes in cortical and subcortical BOLD signal has partially confirmed the hypothesis. The mechanism of this effect is probably based on the simultaneous blood pressure increase and total peripheral resistance increase. However the question is still open for further experimental verification if AFTE can be treated as the tool which can increase pilot/astronaut situation awareness in the extreme environment typical for aerospace operations where highly variable accelerations due to liftoff, rapid maneuvers, and vibrations can be expected in the critical phases of the mission.

78 FR 19708 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-04-02

... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in... South LaSalle Street, Chicago, Illinois 60690-1414: 1. The Exempt Family Trust u/a Imogene P. Johnson...

Central Banking after the Crisis

OpenAIRE

Frederick S. Mishkin

2013-01-01

This paper explores where central banking is heading after the recent financial crisis. First it discusses the central bank consensus before the crisis and then outlines the key facts learned from the crisis that require changes in the way central banks conduct their business. Finally, it discusses four main areas in which central banks are altering their policy frameworks: 1) the interaction between monetary and financial stability policies, 2) nonconventional monetary policy, 3) risk manage...

European quality system for tissue banking.

Science.gov (United States)

Manyalich, M; Navarro, A; Koller, J; Loty, B; de Guerra, A; Cornu, O; Vabels, G; Fornasari, P M; Costa, A N; Siska, I; Hirn, M; Franz, N; Miranda, B; Kaminski, A; Uhrynowska, I; Van Baare, J; Trias, E; Fernández, C; de By, T; Poniatowski, S; Carbonell, R

2009-01-01

The aims of this project were to analyze the factors that influence quality and safety of tissues for transplantation and to develop the method to ensure standards of quality and safety in relation to tissue banking as demanded by European Directive 2004/23/EC and its technical annexes. It is organized in 4 Working Groups, the objectives of each one being focused in a specific area. The Guide of Recommendations for Tissue Banking is structured into 4 parts: (1) quality systems that apply to tissue banking and general quality system requirements, (2) regulatory framework in Europe, (3) standards available, and (4) recommendations of the fundamental quality and safety keypoints. This Working Group handled design of a multinational musculoskeletal tissue registry prototype. This Working Group handled design and validation of a specialized training model structured into online and face-to-face courses. The model was improved with suggestions from students, and 100% certification was obtained. The Guide for Auditing Tissue Establishments provides guidance for auditors, a self-assessment questionnaire, and an audit report form. The effectiveness and sustainability of the outputs were assessed. Both guides are useful for experienced tissue establishments and auditors and also for professionals that are starting in the field. The registry prototype proves it is possible to exchange tissues between establishments throughout Europe. The training model has been effective in educating staff and means having professionals with excellent expertise. Member states could adapt/adopt it. The guides should be updated periodically and perhaps a European organization should take responsibility for this and even create a body of auditors.

Strategies Adopted by Romanian Banks to Reduce the Payment Incidents

Directory of Open Access Journals (Sweden)

Oana BĂRBULESCU SEITAN

2013-03-01

Full Text Available In the past few years, the lack of the market liquidity generated some difficulties in the process of recovering the claims from the partners. This has determined the banks to find solutions with which to protect their clients against the financial imbalances of their partners, imbalances that otherwise would directly affect their own business. However, the permanent changes of the banking regulations led to a continuous diversification of the relations between the bank and its customers. In this context, during January-February 2013, it was drawn up a qualitative marketing research, its main objective consisting in identifying and analyzing the main measures taken by banks to reduce the number and the value of payment incidents generated by the use of debt instruments. The study also considered the outline of potential measures that can be taken for adapting the regulations in the field to the needs of the Romanian business environment.

Modernization Solution for Legacy Banking System Using an Open Architecture

Directory of Open Access Journals (Sweden)

Constantin Marian MATEI

2012-01-01

Full Text Available Banks are still using legacy systems as the core of their business is comprised within such sys-tems. Since the technology and client demands are changing rapidly, the banks have to adapt their systems in order to be competitive. The issue is to identify correctly what are the bank users preferences in terms of software reliability and how modern is the system For instance, there are users who enjoy working using the old screen format, and there are users who enjoy working with newer layouts, Web interfaces, and so on. We need also to know the constraints generated by the usage of legacy systems, and how these systems can be improved or replaced. The scope of the article is to present a solution of modernizing a legacy banking system by using a SOA approach. The research is based on the modernization of a legacy system developed in COBOL/400 under IBM iSeries. The modernization process uses a SOA ap-proach using JAVA technologies.

Assessing and Reducing Miscellaneous Electric Loads (MELs) in Banks

Energy Technology Data Exchange (ETDEWEB)

Rauch, Emily M.

2012-09-01

Miscellaneous electric loads (MELs) are loads outside of a building's core functions of heating, ventilating, air conditioning, lighting, and water heating. MELs are a large percentage of total building energy loads. This report reviews methods for reducing MELs in Banks. Reducing MELs in a bank setting requires both local and corporate action. Corporate action centers on activities to prioritize and allocate the right resources to correct procurement and central control issues. Local action includes branch assessment or audits to identify specific loads and needs. The worksheet at the end of this guide can help with cataloging needed information and estimating savings potential. The following steps provide a guide to MEL reductions in Bank Branches. The general process has been adapted from a process developed for office buildings the National Renewable Energy Laboratory (NREL, 2011).

11 CFR 100.82 - Bank loans.

Science.gov (United States)

2010-01-01

... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.82 Section 100.82 Federal... Contributions § 100.82 Bank loans. (a) General provisions. A loan of money to a political committee or a candidate by a State bank, a federally chartered depository institution (including a national bank) or a...

11 CFR 100.142 - Bank loans.

Science.gov (United States)

2010-01-01

... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.142 Section 100.142 Federal... Expenditures § 100.142 Bank loans. (a) General provisions. Repayment of a loan of money to a candidate or a political committee by a State bank, a federally chartered depository institution (including a national bank...

The Outer Banks of North Carolina

Science.gov (United States)

Dolan, Robert; Lins, Harry F.; Smith, Jodi Jones

2016-12-27

The Outer Banks of North Carolina are excellent examples of the nearly 300 barrier islands rimming the Atlantic and Gulf coasts of the United States. These low, sandy islands are among the most dynamic natural landscapes occupied by man. Beach sands move offshore, onshore, and along the shore in the direction of the prevailing longshore currents. In this way, sandy coasts continuously adjust to different tide, wave, and current conditions and to rising sea level that causes the islands to migrate landward.Despite such changes, barrier islands are of considerable environmental importance. The Outer Banks are home to diverse natural ecosystems that are adapted to the harsh coastal environment. Native species tend to be robust and many are specifically adapted to withstand salt spray, periodic saltwater flooding, and the islands’ well-drained sandy soil. The Outer Banks provide an important stopover for birds on the Atlantic flyway, and many species inhabit the islands year round. In addition, Outer Banks beaches provide an important nesting habitat for five endangered or threatened sea turtle species.European explorers discovered North Carolina’s barrier islands in the 16th century, although the islands were not permanently settled until the middle 17th century. By the early 19th century, shipbuilding and lumber industries were among the most successful, until forest resources were depleted. Commercial fishing eventually followed, and it expanded considerably after the Civil War. By the Great Depression, however, little industry existed on the Outer Banks. In response to the effects of a severe hurricane in 1933, the National Park Service and the Civilian Conservation Corps proposed a massive sand-fixation program to stabilize the moving sand and prevent storm waves from sweeping across the entire width of some sections of the islands. Between 1933 and 1940, this program constructed sand fencing on 185 kilometers (115 miles) of beach and planted grass seedlings

Analisis Perbandingan Kinerja Pada Bank Nasional, Bank Campuran, Dan Bank Asing Yang Terdaftar Di Bursa Efek Indonesia

OpenAIRE

Angel, Christania Graciella

2014-01-01

Bank performance appraisal is based on bank financial report itself. The financial report can be form balance report which give information about the financial position to the outside of bank that can be used of eksternal to assess the level of risk exist in a bank. Based on ownership consist of national bank, mixture bank and foreign bank. These banks has tight compete to show a good performance to the public. This research aimed to analyze the financial performance difference of national ba...

CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

OpenAIRE

Inder Pal Singh S/o Roop singh*, Dr. Payal Bassi

2017-01-01

E- Banking is about using the infrastructure for digital age to create opportunities, both local & global. IT enables the dramatic lowering of transaction cost and the creation of new types of banking opportunities that address the barriers of time and distance. Banking opportunities are local, global and immediate in e-banking. Internet banking has many advantages over other traditional banking delivery methods. Internet banking provides banks with an increased customer base, cost savings, m...

THE EUROPEAN BANKING SYSTEM. TRACK RECORD AND ACHIEVEMENT

Directory of Open Access Journals (Sweden)

ADELA IONESCU

2014-11-01

Full Text Available The banking system of Europe has experienced two decades of turbulence. Through the 1990’s a wave of mergers, liquidations and bankruptcies has swept the sector. This wave was at its peak the last years of the 1990’s and the 2000-2004 period. Since then the number of exits from the sector has been relatively stable. It is notable that the cooperative banks suffered more than the commercials. This fact can be attributed to their smaller size, ownership structure, management efficiency etc.During the last decade a great number of events have forced the banking system in Europe to transform, to adapt to a new financial, economic, political and social environment. Two financial crisis (2001-2002 and 2008-2009, two voluntary attempts to regulate the financial system (Basel II and III, the introduction of the Euro and the establishment of the European Central Bank, several regulation attempts to create an isomorphic legal environment, financial scandals of 2001-2002, 2008 and the globalization of the financial sector are some of the events that created a new environment for the financial sector.

ISSUES IN ROMANIAN BANKING SYSTEM IN THE CONTEXT OF REORGANIZING ITS ADAPTATION TO THE REQUIREMENTS OF THE MARKET ECONOMY

Directory of Open Access Journals (Sweden)

IOAN DUMITRU MOTONIU

2011-01-01

Full Text Available Based on the concept that the banking system is the engine of economic development, the paper is intended as a blueprint for the banking system in Romania since 1989, stages and parts of its reorganizing process. In the article is also carried out an analysis of the Romanian banking system in terms of numerical development banks and through the two indicators considered fundamental in the banking system: market share, expressed in terms of net balance sheet asset, that social / endowment capital and are presented the conclusions that have been drawn from this analysis.

Risk Premium and Central Bank Intervention

OpenAIRE

Pinar Ozlu

2006-01-01

This study examines the relation between the risk premium and central bank intervention. Forward rates are calculated for the Turkish Lira-USD exchange market and then the effect of central bank intervention on the risk premium is estimated. Using high quality daily intervention data from the Central Bank of Turkey as well as implied forward rates, an MA (21)-GARCH (1,1) model is estimated. Both purchases and sales of US dollars by the Central Bank of Turkey appear to have no effect on the si...

75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-04-21

... Carolina, Seneca National Bank, Seneca, South Carolina, and The Peoples National Bank, Easley, South... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

Electronic Banking And Bank Performance In Nigeria | Abaenewe ...

African Journals Online (AJOL)

This study investigated the profitability performance of Nigerian banks following the full adoption of electronic banking system. The study became necessary as a result of increased penetration of electronic banking which has redefined the banking operations in Nigeria and around the world. Judgmental sampling method ...

Banking Competition Measurement and Banking Sector Performance: Analysis of 4 ASEAN Countries

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2017-02-01

Full Text Available Many believe concentrated  banking industry which is dominated by few  big banks creates lower  competition, high profitability, and low efficiency. The main issue in empirical testing of this hypothesis is how to measure banking competition level. Traditional measures of competition are  concentration ratio and Herfindahl-Hirschman Index. This study uses three measures of banking level competition which are widely used in recent  financial literature: Boone Indicator, Lerner Index and H-Panzar-Rosse  statistics.  Lerner Index and H-Panzar-Rosse statistics resulted a similar competition level conclusion, while Boone Indicator produced slightly different output. Industry concentration produced opposing results with those three level of industry competition measurement methods. The results show  banking competition tend to be a monopolistic competition in ASEAN countries, especially in Indonesia which banks’ strategy basically were non-pricing strategy. Competition significantly caused lower profitability, while banking efficiency was not significantly affected by level of competition.DOI:  10.15408/sjie.v6i1.4547

12 CFR 345.26 - Small bank performance standards.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Small bank performance standards. 345.26... GENERAL POLICY COMMUNITY REINVESTMENT Standards for Assessing Performance § 345.26 Small bank performance standards. (a) Performance criteria—(1) Small banks that are not intermediate small banks. The FDIC...

12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Interstate banking operations of foreign banking organizations. 211.22 Section 211.22 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM INTERNATIONAL BANKING OPERATIONS (REGULATION K) Foreign Banking...

75 FR 49493 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-08-13

... Peoples Bank and Trust Company, both of North Carrollton, Mississippi. B. Federal Reserve Bank of Dallas... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

Determinants of profitability according to groups of banks in Albania

Directory of Open Access Journals (Sweden)

Dr.Sc. Arjeta Hallunovi

2017-06-01

Full Text Available The paper analyzed the determinants of profitability of all the commercial banks in Albania, where the banks were analyzed by dividing into groups[1]. These determinants are categorized into two groups, internal and external factors. The objective of the study is to determine the factors that affect the profitability in commercial banks, to show how they differ according to groups of the banks and making some recommendations which can help the management. A panel data with all the commercial banks that operate in Albania is analyzed for the period 2009-2014. To measure the profitability is used the independent variable return on assets. Banking specific factors that are used in this study include variables such as bank size, asset management, credit risk, liquidity of assets, capital adequacy, operational efficiency and cost of financing. On the other hand is taken into consideration only one industry specific factor, which is the concentration and some macroeconomic factors as GDP, exchange rate and inflation. The quantitative data are obtained from the financial statements of commercial banks, INSTAT, Bank of Albania, World Bank and Bankscope, in order to make empirical analysis needed to identify and measure the determinants of bank profitability. In particular, the multiple regression analysis is used to measure the impact of determinants in bank profitability and to realize empirical analysis is used Eviews 7. The results of the study showed a positive relationship between bank size and profitability, statistically important in the group 2, with 1% level of significance. The credit risk had an inverse relation with profitability in the model, statistically significant at 1% level of significance for the group 2 and 5% for the group 1 and 3. While, in terms of macroeconomic factors, GDP had a positive relationship with profitability and it is statistically significant in the group 3. On the other hand, inflation and exchange rate showed a

Implications of sperm banking for health-related quality of life up to 1 year after cancer diagnosis

Science.gov (United States)

Pacey, A; Merrick, H; Arden-Close, E; Morris, K; Rowe, R; Stark, D; Eiser, C

2013-01-01

Background: Sperm banking is recommended for all men diagnosed with cancer where treatment is associated with risk of long-term gonadatoxicity, to offer the opportunity of fatherhood and improved quality of life. However, uptake of sperm banking is lower than expected and little is known about why men refuse. Our aims were to determine: (i) demographic and medical variables associated with decisions about banking and (ii) differences in quality of life between bankers and non-bankers at diagnosis (Time 1 (T1)) and 1 year later (Time 2 (T2)). Methods: Questionnaires were completed by 91 men (response rate=86.67%) at T1 and 78 (85.71% response rate) at T2. Results: In all, 44 (56.41%) banked sperm. They were younger and less likely to have children than non-bankers. In a subset of men who were not sure if they wanted children in the future (n=36), 24 banked sperm. Among this group, those who banked were younger, more satisfied with clinic appointments and less worried about the health of future children. At T2, there were no differences in quality of life between bankers and non-bankers. Conclusion: For those who are uncertain about future reproductive plans, decisions depend on their health on diagnosis and satisfaction with clinic care. We conclude that extra care should be taken in counselling younger men who may have given little consideration to future parenting. Results support previous findings that the role of the doctor is vital in facilitating decisions, especially for those who are undecided about whether they wanted children in the future or not. PMID:23470465

PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

OpenAIRE

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-...

Banking contracts

OpenAIRE

Durčáková, Klára

2010-01-01

Resumé - Bank Contracts Bank Contracts are an integral part of our everyday lives. Citizen and bussines entities used bank contracts very often. Despite this fact we can't find legal definition in the Czech law. Banking contracts understand contracts that are signed by banks in their business activities and obligations under these contracts arise. While the banking contracts have been widely used, in Czech law there is not too much literature and judgements abou this issue. Lack of legislatio...

Stabilitas Bank, Tingkat Persaingan Antar Bank dan Diversifikasi Sumber Pendapatan: Analisis Per Kelompok Bank di Indonesia

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2016-08-01

Full Text Available Abstract. The"Competition-fragility" view and The "Competition-stability" view has a contrary logical flow in predicting the relationship between bank stability and competition among banks. According to Berger et al (2009, these two views differ on credit risk aspect of loan portfolio, but on the risks faced by the bank as a whole, these two views have the same prediction. In the credit market which is dominated by few banks with substantial market power, the risk of bank credit portfolio increases as predicted by the view "competition-fragility", but the bank's overall risk does not always go up with the jump in credit portfolio risk. The paper shows that empirical test of the Indonesian banking system support this hypothesis, except in foreign bank group that has its own business model. The relationship of competition and the credit risk of banks in Indonesia also have a U -shape pattern that increasing competition in the early stages can reduce credit risk, which is due to increasing income diversification and diversification of bank credit type, but at a certain point the increasing competition has worsened the quality of bank credit portfolio. Key word: banking competition, risk, stability, fragility, diversification

EMPIRICAL ASSESSMENT OF MICROFINANCE BANKS IN NIGERIA USING EFQM EXCELLENCE MODEL

Directory of Open Access Journals (Sweden)

Chijioke Nwachukwu

2017-06-01

Full Text Available Measuring the performance of microfinance banks ensure that the banks create value for their various stakeholders. Achieving and sustaining superior business performance is important for organisations. The goal of this study is to assess microfinance banks in Nigeria using EFQM Excellence Model. The study adapts the EFQM self- assessment questionnaire for collecting data from 53 senior staff of selected Microfinance banks in Nigeria. In analyzing our data, Pearson correlation, ANOVA, and multiple regression techniques were used. The result shows that a significant positive association exists between the enablers (leadership, strategy, people, partnerships and resources, processes, products, and services and results (customer, people, society, and business criterion. More important, all the 4 hypotheses are supported. The authors suggest that a robust performance management system that integrates leadership, strategy, people, resources, processes, products, and services are important to achieve and sustain excellent results for various stakeholders.

12 CFR 225.124 - Foreign bank holding companies.

Science.gov (United States)

2010-01-01

... SYSTEM BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y) Regulations Financial Holding Companies Interpretations § 225.124 Foreign bank holding companies. (a) Effective December 1, 1971, the... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Foreign bank holding companies. 225.124 Section...

Internet Banking integration within the banking system

OpenAIRE

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....

75 FR 5322 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-02-02

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. [thinsp]225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank...

75 FR 3904 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-01-25

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. [thinsp]225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank...

75 FR 9414 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-03-02

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. [thinsp]225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank...

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

OpenAIRE

Thomas F. Cargill

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.

Islamic banking

OpenAIRE

Pak, Viktoriya

2010-01-01

The thesis is focused on introduction of Islamic banking system. Morover part of the work is devoted to a detailed description of the history of Islamic banking, on explanation of the principles on which the banking system is based. Also are analyzed in detail the basic Islamic banking products. And at the end are presented the advantages and disadvantages of the Islamic banking system.

BANK MERGERS AND ACQUISITIONS IN ROMANIA AFTER 1989

Directory of Open Access Journals (Sweden)

Copil Crina Angela

2014-07-01

have a special purpose, they are necessary operations of draining the bank life by the absorption of the banks without stability by those with potential of economical and managerial stable capital. It is well known that the great banks, very strong and well consolidated created in the process of mergers and acquisitions have another potential in maintenance of the flux of profit and the balanced increase of the profitableness, having a great impact on the economy. The contribution consists in combining some conceptual elements with some empirical aspects, with the process of bank concentration created by acquisitions and fusions that leads to the elimination of some bank entitites that are not credible and stable and maintenance of those that are efficient, useful and credible for the client and for the Romanian society. The subject is a present one in the entire world, in a continuous change and adapting to the existent tendencies in the entire world, having a major impact also on the Romanian bank market, on the bank financial institutions that in order to face the competition have directed their strategies for the diversification of the risks.

Macroeconomy and Banks' Profitability in Nigeria

African Journals Online (AJOL)

Nneka Umera-Okeke

Bank regulators in Nigeria increased the minimum share capital of banks more than five times between ... the beginning of a new era of banking industry consolidation in Nigeria. Prior to this ...... IMF Staff Papers, 51(1), 96–122. Demirgüç-Kunt ...

76 FR 59396 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2011-09-26

... control of Bank of Odessa, both in Odessa, Missouri, Commercial Bank of Oak Grove, Oak Grove, Missouri... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

Directory of Open Access Journals (Sweden)

Ir Ascarya

2008-08-01

Full Text Available Islamic banks in many countries have emerged as important component of financial system that contributes to the growth and development of the country’s economy. They have proven to be a viable and competitive component of the overall financial system. In the dual banking system, Islamic banks have to be competitive to survive. One of the key to competitiveness is efficiency. This study will measure and compare the efficiency of Islamic and conventional banks in Indonesia using Data Envelopment Analysis (DEA methodology. DEA is a non-parametric, deterministic methodology for determining the relative efficiency and managerial performance, based on the empirical data on chosen inputs and outputs of a number of decision making units. DEA allows us to compare the relative efficiency of banks by determining the efficient banks as benchmarks and by measuring the inefficiencies in input combinations (slack variables in other banks relative to the benchmark. Intermediation approach will be applied. This study will identify the sources and level of inefficiency for each of the inputs and outputs of Islamic banks and conventional banks in Indonesia. The result shows that in overall, Islamic banking is relatively more efficient than conventional banking. This means that Islamic banks are competitive enough to compete with conventional banks. Islamic banking is technically more efficient, but less scale efficient than conventional banking. Internal inefficiency is the main source of disintermediation of conventional banking in Indonesia. Furthermore, accelerated expansion, organically and inorganically, is needed to improve scale and overall efficiencies of Islamic banking in Indonesia.Keywords: Banking, Islamic Banking, Efficiency, Data Envelopment Analysis

Food insecurity and dietary intake of immigrant food bank users.

Science.gov (United States)

Rush, Timothy J; Ng, Victor; Irwin, Jennifer D; Stitt, Larry W; He, Meizi

2007-01-01

The degree of food insecurity and dietary intake was examined in adult Colombians who are new immigrants to Canada and use a food bank. In-person surveys were conducted on a convenience sample of 77 adult Colombian immigrant food bank users in London, Ontario. Degree of food insecurity was measured by the Radimer/Cornell questionnaire, food intakes by 24-hour recall, sociodemographics, and questionnaires about changes in dietary patterns before and after immigration. Thirty-six men and 41 women participated in the study. Despite being highly educated, all respondents had experienced some form of food insecurity within the previous 30 days. The degree of food insecurity seems to be inversely associated with income and length of residency in Canada. Total daily energy intake was low, with a mean value of 1,568.3 +/- 606.0 kcal (6,217.5 +/- 2,336.4 kJ). In particular, a large proportion of participants consumed a diet low in fruits and vegetables (73%) and milk and dairy products (58%). Colombian immigrant food bank users new to Canada experience various degrees of food insecurity, which is associated with inadequate food intake. Interventions are needed to assist this population with adapting to society while concurrently sustaining healthy eating patterns.

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

Directory of Open Access Journals (Sweden)

Dwi Umardani

2017-05-01

Full Text Available ABSTRACT This study aims to compare the financial performance of Islamic banks with conventional banks in Indonesia using financial ratios: CAR, NPL / NPF, ROA, ROE, LDR / FDR, REO / BOPO. The data used are the financial statements published by Bank Indonesia (BI, the annual reports released by banking companies listed in Indonesia Stock Exchange (IDX, the annual reports issued by companies of Islamic banking that are not listed in Indonesia Stock Exchange (IDX, and the Indonesian banking supervision reports contained in Bank Indonesia (BI for the years 2005-2012. The analytical method used to compare the financial performance of Islamic banks with conventional banks is statistical test independent t-test. The fact shows that for each financial ratio of Islamic banks and conventional banks in Indonesia: CAR, ROA, ROE, LDR / FDR, and BOPO there are significant differences, while NPL / NPF there is not significant difference. Keywords: Financial performance, Islamic banks, conventional banks

Solid health care waste management status at health care centers in the West Bank - Palestinian Territory

International Nuclear Information System (INIS)

Al-Khatib, Issam A.; Sato, Chikashi

2009-01-01

Health care waste is considered a major public health hazard. The objective of this study was to assess health care waste management (HCWM) practices currently employed at health care centers (HCCs) in the West Bank - Palestinian Territory. Survey data on solid health care waste (SHCW) were analyzed for generated quantities, collection, separation, treatment, transportation, and final disposal. Estimated 4720.7 m 3 (288.1 tons) of SHCW are generated monthly by the HCCs in the West Bank. This study concluded that: (i) current HCWM practices do not meet HCWM standards recommended by the World Health Organization (WHO) or adapted by developed countries, and (ii) immediate attention should be directed towards improvement of HCWM facilities and development of effective legislation. To improve the HCWM in the West Bank, a national policy should be implemented, comprising a comprehensive plan of action and providing environmentally sound and reliable technological measures.

75 FR 31788 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-06-04

... voting shares of Chino Commercial Bank, N.A., both of Chino, California. Board of Governors of the... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

GenBank

OpenAIRE

Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Rapp, Barbara A.; Wheeler, David L.

2002-01-01

The GenBank sequence database incorporates publicly available DNA sequences of more than 105 000 different organisms, primarily through direct submission of sequence data from individual laboratories and large-scale sequencing projects. Most submissions are made using the BankIt (web) or Sequin programs and accession numbers are assigned by GenBank staff upon receipt. Data exchange with the EMBL Data Library and the DNA Data Bank of Japan helps ensure comprehensive worldwide coverage. GenBank...

77 FR 3475 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-01-24

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank...

12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-Farm Credit Banks..., provided such loans are authorized by the policies of the bank and/or association involved, do not constitute a significant shift in loan volume away from the bank or association's assigned territory, and are...

12 CFR 25.44 - Public notice by banks.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Public notice by banks. 25.44 Section 25.44... Public notice by banks. A bank shall provide in the public lobby of its main office and each of its branches the appropriate public notice set forth in appendix B of this part. Only a branch of a bank having...

BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

Directory of Open Access Journals (Sweden)

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.

DETERMINANTS OF BANK PROFITABILITY: EVIDENCE FROM US

OpenAIRE

Cheng, Yinglin; Huang, Yating

2017-01-01

This paper examines the variables that affect bank profitability. We construct a sample of US banks from 2003 to 2015, and use return on assets (ROA) and return on equity (ROE) to measure bank profitability. We find that banks with higher profitability are the banks that have: (1) a higher deposits to total asset ratio, (2) a higher diversification ratio, and (3) higher operational efficiency. We also find that better-capitalized banks tend to be more profitable only when we use ROA as the me...

About Banking.

Science.gov (United States)

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…

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

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...... mechanism deployable at the discretion of the resolution authority must be available to supply liquidity to a reorganizing bank. On these conditions, a viable and realistic Banking Union would be within reach--and the resolution of global financial institutions would be greatly facilitated, not least...... 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...

Bank Insolvency Procedures and Market Discipline in European Banking

DEFF Research Database (Denmark)

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

for pre-determined bank insolvency procedures that could enable banks to expand cross-border in branches. In the empirical part we show that credibility of non-insurance is maximized with a partial deposit insurance scheme, and that the coverage can be decreased if effective rule-based distress resolution......Predetermined, operational procedures for dealing with banks in distress are conspicuously absent across the world with very few exceptions. Instead governments and regulatory authorities intervene when banks approach failure. Bail-outs of important creditors, sometimes including shareholders......, and blanket guarantees for creditors become the norm. We argue that efficient incentives of banks' creditors, as well as of shareholders and managers, require predetermined rules for dealing with banks in distress, and a group of creditors that are credibly non-insured. Cross-border banking increases the need...

Cultural Memory Banking in Preservice Science Teacher Education

Science.gov (United States)

Handa, Vicente C.; Tippins, Deborah J.

2012-12-01

This study focused on the exemplification of cultural memory banking as an ethnographic tool to understand cultural practices relevant to science teaching and learning in a rural coastal village in a central island of the Philippine archipelago. Using the collaborative action ethnography as a research methodology, 10 prospective science teachers and a science teacher educator/doctoral candidate formed a research team and documented community funds of knowledge relevant to science teaching and learning through their participation in a Community Immersion course. The study employed the use of the cultural memory banking as a meditational tool to analyze, make sense of, and represent interview, focus-group discussion, and observation data, among others, for the development of culturally relevant science lessons. Originally used as an anthropological tool to preserve cultural knowledge associated with the cultivation of indigenous plant varieties, the cultural memory banking, as adapted in science education, was used, both as a data collection and analytic tool, to locate relevant science at the intersection of community life. The research team developed a cultural memory bank exemplar, "Ginamos: The Stinky Smell that Sells," to highlight the learning experiences and meaning-making process of those involved in its development. Dilemmas and insights on the development and use of cultural memory banking were discussed with respect to issues of knowledge mining and mainstreaming of indigenous/local funds of knowledge, troubling the privileged position of Western-inspired nature of science.

12 CFR 250.200 - Investment in bank premises by holding company banks.

Science.gov (United States)

2010-01-01

... of the Federal Reserve System, shall (1) invest in bank premises, or in the stock, bonds, debentures... determining under section 24A of the Federal Reserve Act (12 U.S.C. 371d) how much may be invested in bank... or upon the security of the stock of any such corporation, if the aggregate of all such investments...

RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

Directory of Open Access Journals (Sweden)

Aji Damanuri

2016-02-01

Aji Damanuri   Abstract: Shari>’ah banking, for the last ten years, has increased in prosperity not only at the quantity of conventional banks but also at the count of assets and customers. This economical opportunity drives amount of conventional banks both to convert their institutions to be shari>’ah banks and to open officially shari>’ah platform units with their own assets. This system takes a significant question, is the conversion effected by both banker ideological factor and capitalists or pure economical rational calculation? Is a religious consideration linked to economical rationality? This paper is to elaborate the conversion using not only ‘choice theory’ (teori pilihan but also ‘rational action’ (tindakan rasional to seek religious action possibility in a reasonable way of shari>’ah banking.   Keywords: shari>’ah bank, conversion, rational action, religiosity.

Islamic banks and profitability: an empirical analysis of Indonesian banking

OpenAIRE

Jordan, Sarah

2013-01-01

This paper provides an empirical analysis of the factors that determine the profitability of Indonesian banks between the years 2006-2012. In particular, it investigates whether there are any significant differences in terms of profitability between Islamic banks and commercial banks. The results, obtained by applying the system-GMM estimator to the panel of 54 banks, indicate that the high bank profitability during these years were determined mainly by the size of the banks, the market share...

12 CFR 34.24 - Nonfederally chartered commercial banks.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Nonfederally chartered commercial banks. 34.24... LENDING AND APPRAISALS Adjustable-Rate Mortgages § 34.24 Nonfederally chartered commercial banks. Pursuant to 12 U.S.C. 3803(a), a State chartered commercial bank may make ARM loans in accordance with the...

Pilot-Induced Oscillation Suppression by Using 1 Adaptive Control

Directory of Open Access Journals (Sweden)

Chuan Wang

2012-01-01

research activities that aim to alleviate this problem. In this paper, the L1 adaptive controller has been introduced to suppress the PIO, which is caused by rate limiting and pure time delay. Due to its architecture, the L1 adaptive controller will achieve a desired response with fast adaptation. The analysis of PIO and its suppression by L1 adaptive controller are presented in detail in the paper. The simulation results indicate that the L1 adaptive control is efficient in solving this kind of problem.

78 FR 37541 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-21

..., North Dakota, as trustees/administrators, to retain voting shares of the Commercial Bank of Mott Employee Stock Ownership Plan, and thereby indirectly retain voting shares of Commercial Bank of Mott, both... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank...

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

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...... at the discretion of the resolution authority must be available to supply liquidity to a reorganizing bank. On these conditions, a viable and realistic Banking Union would be within reach — and the resolution of global financial institutions would be greatly facilitated, not least in a transatlantic perspective....... 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...

Does taxation on banks mean taxation on bank-dependent borrowers?

OpenAIRE

Masami Imai; Peter Hull

2012-01-01

We investigate the economic impacts of bank levies on bank-dependent borrowers, exploiting the surprise announcement of a bank tax by the Tokyo metropolitan government on February 7th, 2000. We find that the tax announcement had negative effects on the abnormal return of firms which depended on soon-to-be taxed banks for external funds. Moreover, the adverse economic effects of the bank tax were larger for smaller and more financially distressed firms, suggesting that bank levies are likely t...

The main directions of banking products promotion in the banking marketing system in Russian commercial banks

Directory of Open Access Journals (Sweden)

Markova O.M.

2017-04-01

Full Text Available the article is devoted to the research of directions of client-oriented approach application during bank products promotion in Russian banks. Attention is paid to the development of electronic banking, social networks through which consumers receive the necessary information about beneficial offers and special conditions for providing banking services.

6 Ma age of carving Westernmost Grand Canyon: Reconciling geologic data with combined AFT, (U-Th)/He, and 4He/3He thermochronologic data

Science.gov (United States)

Winn, Carmen; Karlstrom, Karl E.; Shuster, David L.; Kelley, Shari; Fox, Matthew

2017-09-01

Conflicting hypotheses about the timing of carving of the Grand Canyon involve either a 70 Ma (;old;) or conflict with these lines of evidence, but are reconciled in this paper via the integration of three methods of analyses on the same sample: apatite (U-Th)/He ages (AHe), 4He/3He thermochronometry (4He/3He), and apatite fission-track ages and lengths (AFT). HeFTy software was used to generate time-temperature (t-T) paths that predict all new and published 4He/3He, AHe, and AFT data to within assumed uncertainties. These t-T paths show cooling from ∼100 °C to 40-60 °C in the Laramide (70-50 Ma), long-term residence at 40-60 °C in the mid-Tertiary (50-10 Ma), and cooling to near-surface temperatures after 10 Ma, and thus support young incision of the westernmost Grand Canyon. A subset of AHe data, when interpreted alone (i.e. without 4He/3He or AFT data), are better predicted by t-T paths that cool to surface temperatures during the Laramide, consistent with an ;old; Grand Canyon. However, the combined AFT, AHe, and 4He/3He analysis of a key sample from Separation Canyon can only be reconciled by a ;young; Canyon. Additional new AFT (5 samples) and AHe data (3 samples) in several locations along the canyon corridor also support a ;young; Canyon. This inconsistency, which mimics the overall controversy of the age of the Grand Canyon, is reconciled here by optimizing cooling paths so they are most consistent with multiple thermochronometers from the same rocks. To do this, we adjusted model parameters and uncertainties to account for uncertainty in the rate of radiation damage annealing in these apatites during sedimentary burial and the resulting variations in He retentivity. In westernmost Grand Canyon, peak burial conditions (temperature and duration) during the Laramide were likely insufficient to fully anneal radiation damage that accumulated during prolonged, near-surface residence since the Proterozoic. We conclude that application of multiple

COMPARATIVE STUDY OF OWN FUNDS IN THE BANKING SYSTEM

Directory of Open Access Journals (Sweden)

Tesu Ramona

2012-12-01

Full Text Available The present article has as a reserch field theoretical, methodological and practical aspects of the own funds, taking into account the line-up attempts of the romanian banking system to the requirements of the European Union, materialised in the Basel Agreement. The objectives of the research theme, presented in this paper, are mainly oriented towards own funds. We also proposed the following secondary objectives: presenting the concept approaches concerning own funds, emphasysing the tipology of own funds and pointing out their purpose in the banking activity; presenting and analyse the evolution of the own funds in Romania, for a period of 8 years (2004-2011. Even though the actual stage of the research in this field is advanced, in the romanian and foreign literature which dedicate a lot of theoretical and empiric studies concerning own funds. In our study we will use a theoretical and a practical research. The theoretical research describes the laws, reglementations and rules of application in the banking field in our country. In the practical part we will use as a research method the quality-comparative analyse by presenting details regarding bank back-ups. Despite the global financial crisis, the Romanian banking system can be considered as stable as a whole, with levels of capitalization, solvency and liquidity in accordance with consistent with prudential requirements. Tier 1, defined as the core of their sources of credit institutions through the permanent criteria, payment flexibility and capacity to absorb losses continued to overwhelmingly support a total equity. Appropriate quality of own funds is on their structure. The most important component frame our capital plus capital frame attached. The second component in terms is still represented by legal reserves. An important challenge for banks was to maintain a level of own funds accordance, in the conditions witch they were eroded by the current period losses. Tier 2 support rate of

78 FR 300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-01-03

... Bancshares, Inc., and thereby acquire control of First Commercial Bank, both of Edmond, Oklahoma. Board of... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

77 FR 60996 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-10-05

... shares of Anchor Commercial Bank, Juno Beach, Florida. Board of Governors of the Federal Reserve System... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

KINERJA BANK UMUM SYARIAH DI INDONESIA TAHUN 2010-2012

Directory of Open Access Journals (Sweden)

Karsinah Karsinah

2014-09-01

Full Text Available This is a study of Islamic bank performance in Indonesia. The objects of research are 11 Islamic Banks in Indonesia from 2010 until 2012. They are BMI, BSM, Bank Syariah Mega Indonesia, BNI Syariah, BRI Syariah, Bank Bukopin Syariah, BCA Syariah, Bank Panin Syariah, Bank Victoria Syariah, Bank Jabar Banten Syariah, and Maybank Indonesia Syariah. The variables used in this study were Deposit (I1, Assets (I2, Labor Costs (I3, Finance (O1, and Operating Income (O2. The method used in this research was Constant Return to Scale (CRS. The result of technical efficiency calculation by using DEA is 4 Islamic Banks have not been efficient; they are BRI Syariah, BCA Syariah, Bank Panin Syariah, and Bank Victoria Syariah. Further, the others Islamic Banks have reached the efficiency level. Then, it can be concluded that the majority of Islamic Banks in Indonesia have been efficient from 2010 to 2012. After having the study resuts, the Islamic banks should improve the micro policies for achieving the technical efficiency accomplishment, allocate the savings input excess into the total assets input; especially the productive assets, have firmer control for preventing moral hazard; and increase the budgeting number or crea-ting innovative product and the services cost. Penelitian ini mengenai kinerja bank syariah di Indonesia.Sampel penelitian sebanyak 11 Bank Umum Syariah yang ada di Indonesia periode tahun 2010- 2012. Bank Umum Syariah tersebut meliputi BMI, BSM, Bank Sya-riah Mega Indonesia, BNI Syariah, BRI Syariah, Bank Bukopin Syariah, BCA Syariah, Bank Panin Syariah, Bank Victoria Syariah, Bank Jabar Banten Syariah, Maybank Indonesia Syariah. Variabel-variabel yang digunakan dalam penelitian ini adalah Simpanan (I1, Aset (I2, Biaya Tenaga Kerja (I3, Pembiayaan (O1, dan Pendapatan Operasional (O2. Metode yang dogunakan dalam penelitian ini adalah metode Constant Return to Scale (CRS. Hasil dari perhitungan efisiensi teknik dengan menggunakan DEA dari

75 FR 26759 - Health Care Integrity and Protection Data Bank (HIPDB) and National Practitioner Data Bank (NPDB...

Science.gov (United States)

2010-05-12

... Integrity and Protection Data Bank (HIPDB) and National Practitioner Data Bank (NPDB): Public Posting of Non... HRSA and Data Bank Web sites ( http://www.hrsa.gov and http://www.npdb-hipdb.hrsa.gov ) by July 1, 2010... publication of a public report that identifies those Government agencies that have failed to report...

Human Milk Banking.

Science.gov (United States)

Haiden, Nadja; Ziegler, Ekhard E

2016-01-01

Human milk banks play an essential role by providing human milk to infants who would otherwise not be able to receive human milk. The largest group of recipients are premature infants who derive very substantial benefits from it. Human milk protects premature infants from necrotizing enterocolitis and from sepsis, two devastating medical conditions. Milk banks collect, screen, store, process, and distribute human milk. Donating women usually nurse their own infants and have a milk supply that exceeds their own infants' needs. Donor women are carefully selected and are screened for HIV-1, HIV-2, human T-cell leukemia virus 1 and 2, hepatitis B, hepatitis C, and syphilis. In the milk bank, handling, storing, processing, pooling, and bacterial screening follow standardized algorithms. Heat treatment of human milk diminishes anti-infective properties, cellular components, growth factors, and nutrients. However, the beneficial effects of donor milk remain significant and donor milk is still highly preferable in comparison to formula. © 2017 S. Karger AG, Basel.

77 FR 50689 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-08-22

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 43883 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-07-22

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 38978 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-28

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 54917 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-09-06

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 35271 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-12

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 49268 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-08-13

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 68121 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-11-15

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 13877 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-03-01

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 58141 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-09-19

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 61352 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-10-03

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 4323 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-01-27

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 66463 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-11-05

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 41929 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-07-12

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 37406 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-06-21

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 51726 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-08-21

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 31612 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-05-29

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 9250 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-02-16

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 62301 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-10-15

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 25084 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-04-29

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 76834 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-12-19

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 60702 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-10-04

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 16839 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-03-22

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 53457 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-08-29

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 45535 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-07-29

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 73031 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-12-07

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 2293 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-01-17

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 64801 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-10-23

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 34385 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-06-11

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 58379 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-09-20

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 33459 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-06-06

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 43824 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-07-26

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 39729 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-07-02

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 24747 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-04-26

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 72864 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-12-06

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 97 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-01-02

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 27389 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-05-10

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 63314 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-10-16

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 19665 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-04-02

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 76305 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-12-17

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 49753 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-08-15

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 3425 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-01-16

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 27458 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-05-10

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank [[Page...

77 FR 39244 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-07-02

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 3897 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-01-17

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

IMPACT OF USER IT AND INTERNET SKILLS ON ONLINE BANKING,INPUT TO INNOVATIVE BANKING STRATEGIES

Directory of Open Access Journals (Sweden)

Syed Shan e Raza

2011-01-01

Full Text Available Online-banking is now widely being introduced by banks. This Strategic move issupported by aim to reduce branch/resources costs and offer more convenience tothe consumers. Alongside users are becoming more frequent in IT /internet day-by-day. This provides good match to the success ofOnline-banking.Employee’s skills and user’s skills were also considered by scholars to see theeffect on adoption of online banking. Author has found that these user skills werenot standardized. Author tried to fill this gap byusing Eurostat classification ofskills in terms of user’s Computer and internet skills [Appendix. 1]. The objectiveof this study is threefold, thus understanding theuser perception about fear ofonline theft/misuse, Complexity and effect on individual’s efficiency by usingonline banking.A questionnaire has been sent to users and resultsthus verified 02 of 03hypothesis. Despite higher level of skills and experience, users have concernswith the security and complexity of the method. Theresults are analyzed in asimple graphical fashion in order to provide quickunderstanding to the reader.Concluding, despite certain limitations, this studygives value to the literature andopens new research horizons for online banking strategies. It provides a commoncriterion for understanding user skills and their perceptions about theapplication/usability of online banking using EU classification. Consequentlycounter actions can be taken by the banks to satisfy users concerns and improvethe structure of online banking.

Cross-Border Banking

OpenAIRE

Jonathan Eaton

1994-01-01

The banking systems of some countries export intermediation services to the rest of the world, while many other countries are net exporters of deposits to banks abroad and net importers of loans from banks abroad. Banking center countries typically have lower inflation, deeper financial systems, earn less government revenue from seigniorage, and have lower reserve money relative to bank assets than nonbanking-center countries. This paper develops a stylized model of regulated bank intermediat...

BAGI HASIL DAN BANK SYARI’AH (Solusi terhadap Bunga Bank

Directory of Open Access Journals (Sweden)

Rudy Haryanto Rudy Haryanto

2012-07-01

Full Text Available Abstract: To save money in terms of investation is one of bank’s functions. Interest and production sharing are kinds of investation in banking system. Interest is a marketable entry in conventional banking, however production sharing is known in syari’ah banking system. Some people argue that interest cannot be seperated from the banking activity, in fact Islam recommends the followers to avoid it; hence it could be substituted with term of production sharing. It matches the priciple of musyarakah and mudharabah as being taught by Rasûlullâh SAW. Bank interest is considered ribâ (excessive interest and it is forbidden in Islam. Moreover, production sharing is more useful and beneficial for people. Unfortunately, the value of production sharing (syarî’ah banking product is lower than the value of banking interest (conventional banking product due to the fact that the ralationship established by syari’ah banking and its customer is based on the principle of gotong royong (mutual coorporation and production sharing partnership. Key Words: ribâ, musyarakah, mudharabah, dan bagi-hasil  

Outsourcing central banking

DEFF Research Database (Denmark)

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 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 perform the same role for the supervisory function of central banks. We use the case of Estonia to illustrate...... the feasibility of, and constraints on, outsourcing of central bank functions. A brief discussion of the Argentinian experience is used for contrast.Key words: Currency Board, Foreign Banks, Supervision, Regional Integration,outsourcing....

A 67-Item Stress Resilience item bank showing high content validity was developed in a psychosomatic sample.

Science.gov (United States)

Obbarius, Nina; Fischer, Felix; Obbarius, Alexander; Nolte, Sandra; Liegl, Gregor; Rose, Matthias

2018-04-10

To develop the first item bank to measure Stress Resilience (SR) in clinical populations. Qualitative item development resulted in an initial pool of 131 items covering a broad theoretical SR concept. These items were tested in n=521 patients at a psychosomatic outpatient clinic. Exploratory and Confirmatory Factor Analysis (CFA), as well as other state-of-the-art item analyses and IRT were used for item evaluation and calibration of the final item bank. Out of the initial item pool of 131 items, we excluded 64 items (54 factor loading .3, 2 non-discriminative Item Response Curves, 4 Differential Item Functioning). The final set of 67 items indicated sufficient model fit in CFA and IRT analyses. Additionally, a 10-item short form with high measurement precision (SE≤.32 in a theta range between -1.8 and +1.5) was derived. Both the SR item bank and the SR short form were highly correlated with an existing static legacy tool (Connor-Davidson Resilience Scale). The final SR item bank and 10-item short form showed good psychometric properties. When further validated, they will be ready to be used within a framework of Computer-Adaptive Tests for a comprehensive assessment of the Stress-Construct. Copyright © 2018. Published by Elsevier Inc.

The security concern on internet banking adoption among Malaysian banking customers.

Science.gov (United States)

Sudha, Raju; Thiagarajan, A S; Seetharaman, A

2007-01-01

The existing literatures highlights that the security is the primary factor which determines the adoption of Internet banking technology. The secondary information on Internet banking development in Malaysia shows a very slow growth rate. Hence, this study aims to study the banking customers perception towards security concern and Internet banking adoption through the information collected from 150 sample respondents. The data analysis reveals that the customers have much concern about security and privacy issue in adoption of Internet banking, whether the customers are adopted Internet banking or not. Hence, it infers that to popularize Internet banking system there is a need for improvement in security and privacy issue among the banking customers.

Cost-effectiveness of private umbilical cord blood banking.

Science.gov (United States)

Kaimal, Anjali J; Smith, Catherine C; Laros, Russell K; Caughey, Aaron B; Cheng, Yvonne W

2009-10-01

To investigate the cost-effectiveness of private umbilical cord blood banking. A decision-analytic model was designed comparing private umbilical cord blood banking with no umbilical cord blood banking. Baseline assumptions included a cost of $3,620 for umbilical cord blood banking and storage for 20 years, a 0.04% chance of requiring an autologous stem cell transplant, a 0.07% chance of a sibling requiring an allogenic stem cell transplant, and a 50% reduction in risk of graft-versus-host disease if a sibling uses banked umbilical cord blood. Private cord blood banking is not cost-effective because it cost an additional $1,374,246 per life-year gained. In sensitivity analysis, if the cost of umbilical cord blood banking is less than $262 or the likelihood of a child needing a stem cell transplant is greater than 1 in 110, private umbilical cord blood banking becomes cost-effective. Currently, private umbilical cord blood banking is cost-effective only for children with a very high likelihood of needing a stem cell transplant. Patients considering private blood banking should be informed of the remote likelihood that a unit will be used for a child or another family member. III.

12 CFR 7.1011 - National bank acting as payroll issuer.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false National bank acting as payroll issuer. 7.1011... AND OPERATIONS Bank Powers § 7.1011 National bank acting as payroll issuer. A national bank may disburse to an employee of a customer payroll funds deposited with the bank by that customer. The bank may...

Knowledge translation regarding financial abuse and dementia for the banking sector: the development and testing of an education tool.

Science.gov (United States)

Peisah, Carmelle; Bhatia, Sangita; Macnab, Jenna; Brodaty, Henry

2016-07-01

Financial abuse is the most common form of elder abuse. Capacity Australia, established to promote education regarding capacity and abuse prevention across health, legal and financial sectors, was awarded a grant by the Dementia Collaborative Research Centre to educate the banking sector on financial abuse and dementia. We aimed to develop a knowledge translation tool for bank staff on this issue. The banking sector across Australia was engaged and consulted to develop a tailored education tool based on Australian Banking Association's Guidelines on Financial Abuse Prevention, supplemented by information related to dementia, financial capacity and supported decision-making. The tool was tested on 69 banking staff across Australia from two major banks. An online education tool using adaptive learning was developed, comprising a pretest of 15 multiple choice questions, followed by a learning module tailored to the individual's performance on the pretest, and a post-test to assess knowledge translation. A significant increase in scores was demonstrated when baseline scores were compared with post-course scores (mean difference in scores = 3.5; SD = 1.94; t = 15.1; df = 68; p tool took approximately 10-20 min to complete depending on the knowledge of participant and continuity of completion. The Australian banking industry was amenable to assist in the development of a tailored education tool on dementia, abuse and financial capacity. This online e-tool provides an effective medium for knowledge translation. Copyright © 2015 John Wiley & Sons, Ltd. Copyright © 2015 John Wiley & Sons, Ltd.

Safety analysis results for the control rod banks withdrawal event at a full power of the SMART-P

International Nuclear Information System (INIS)

Yang, S. H.; Chung, Y. J.; Kim, H. C.; Zee, S. Q.

2005-01-01

For the validation of the 330 MWt SMART (System-integrated Modular Advanced ReacTor), a detailed design for the SMART-P has been accomplished by KAERI. In the SMART-P design similar to the SMART design, the soluble boron free design is adapted. This concept results in a larger reactivity worth of the control rod bank compared to that of the commercial pressurized water reactor. Moreover, in the SMART-P design, the control rod banks are fairly well inserted into the core, even at a full power condition. Therefore, accidents related to the reactivity anomalies have been evaluated as crucial events when compared to the other initiating events. In this paper, safety analysis for the control rod banks withdrawal event at a full power of the SMART-P has been accomplished by considering various initial conditions, different withdrawal times of the control rod banks and the reactivity feedback. To perform the safety analysis, the TASS/SMR (Transients And Setpoint Simulation/Small and Medium Reactor) code for a system response and SSF-1 correlation for a CHFR (Critical Heat Flux Ratio) have been used

The effects of shadow banking on the traditional banking system in Zimbabwe

Directory of Open Access Journals (Sweden)

Virimai Mugobo

2015-11-01

Full Text Available The growth of shadow banks changed the face of banking in Zimbabwe. Their inconsistent product nature and complexity of form has been a cause for concern to regulatory authorities. The interrelationship between their financial intermediary role and that of formal banks has made them good substitutes to formal banking. This study conducts a statistical analysis of the country’s monetary aggregates and the total formal bank loan-to-deposits balances. The findings of this analysis show that the shadow banking system has always been a critical element of the formal banking sector which resulted from market needs and it completes the banking system. The shadow banking system does not pose direct threat to the formal banking system but it was a result of failure to attract savers who found shadow banks as a good alternative.

SGLT1-mediated transport in Caco-2 cells is highly dependent on cell bank origin

DEFF Research Database (Denmark)

Steffansen, B; Pedersen, Maria; Laghmoch, A M

2017-01-01

The Caco-2 cell line is a well-established in vitro model for studying transport phenomena for prediction of intestinal nutrient and drug absorption. However, for substances depending on transporters such predictions are complicated due to variable transporter expression and limited knowledge about...... transporter function during multiple cell passaging and cell thawings. In the case of SGLT1, a key transporter of oral absorption of D-glucose, one reason for compromised prediction could be inadequate expression of SGLT1 in Caco-2 cells and thereby limited sensitivity in the determination of SGLT1-mediated...... permeability (PSGLT1). Here, the objective was to characterize and compare SGLT1-mediated uptake in Caco-2 cells obtained from different cell banks. SGLT1-mediated uptake of the standard SGLT1 substrate, α-MDG, in Caco-2 cells was shown to be highly dependent on cell bank origin. The most robust and reliable...

Contribution of Internet Banking toward Profitability of Banking in India

Directory of Open Access Journals (Sweden)

Majid Karimzadeh

2015-12-01

Full Text Available The adoption of the Internet in the banking industry on the one hand is closely related to a change in the structure of the organization and nature of operations in banking industry itself, and on the other hand, to the emergence of computer as a significant organizational tool. Banks have always been starving to introduce new technologies to reduce operational costs and expand their businesses. This study is an attempt to investigate the contribution of Internet banking on the performance of the banking system in India. Return on Assets (ROA and Return on Equity (ROE ratios are used to test this effect. The regression analysis showed that there is a significant effect of Internet banking services on the profitability of banks in terms of ROA and ROE in India.

Bank Insolvency Procedures and Market Discipline in European Banking

OpenAIRE

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

Market discipline in banking requires that explicit and implicit insurance schemes for financial sector firms are limited, and that the lack of insurance of important stakeholders is credible. This credibility cannot be achieved without transparent, predictable procedures for distress resolution for banks, including explicit rules for the liquidation of insolvent banks. We find that very few European countries have explicit procedures for dealing with problem banks. The propositions tested in...

THE INFLUENCE OF ORGANIZATIONAL CULTURE ON THE PERFORMANCE OF PHILIPPINE BANKS

Directory of Open Access Journals (Sweden)

Aliza D. Racelis

2010-12-01

Full Text Available This study examines the relationship between organizational culture and organizational performance in the Philippine banking sector. Based on a sample of 60 banks operating in the Philippines, this study sought to verify the notion that organizational culture — especially when it is “strong” and “adaptive” — can influence an organization’s financial performance. The results show that there is a significant and positive correlation between corporate profitability and the banks’ Culture Strength. This observation is especially relevant in environments characterized by rapid, unpredictable change, given that being too focused on clearly defined visions and goals may cause organizations to lose sight of emerging threats and opportunities and thus make them less adaptive. Moreover, more detailed analysis reveals the critical importance of bank size (represented chiefly by number of employees for both deposits performance and profitability. The study further finds that it is the Profitability measure, not the Deposits measure, that relates to Culture Strength. This is an important result, as Net Profits are an after-cost measure of bank profitability, i.e., a key corporate effectiveness measure.

Lending Behavior of Multinational Bank Affiliates

Czech Academy of Sciences Publication Activity Database

Derviz, Alexis; Podpiera, J.

2011-01-01

Roč. 1, č. 1 (2011), s. 19-36 ISSN 2077-429X Institutional research plan: CEZ:AV0Z10750506 Keywords : Multinational bank * Contagion * Substitution * Agency Subject RIV: AH - Economics http://library.utia.cas.cz/separaty/2011/E/derviz-lending behavior of multinational bank affiliates.pdf

ASSESING THE DETERMINANTS OF BANK LIQUIDITY. CASE STUDY ROMANIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

Florin Alexandru LUCA

2016-06-01

Full Text Available The financial crisis has highlighted the importance of liquidity risk for the banking system. Therefore, this study focuses on identifing the determinants of liquidity of Romanian banks. The data cover the period from 2006 to 2013 and take into account only bank-specific factors. The empirical study was applied on 16 Romanian banks and based on previous studies and uses different liquidity ratios, encompassing different points of view on liquidity. Regarding the explanatory variables considered in this analysis, they include various items of internal character concerning: capital adequacy, asset quality, profitability, efficiency of financial intermediation and the size of the banks. The results of our regression analysis indicate that bank liquidity is positively related to capital adequacy of banks and bank profitability and negatively related to the rate of non-performing loans, net interest margin and the size of the bank.

The effect of knowledge management on organizational innovation: Evidence from banking industry

Directory of Open Access Journals (Sweden)

Ali Valipour

2017-11-01

Full Text Available Knowledge management is frequently identified as an important antecedent of innovation. However, few empirical studies have specifically addressed antecedents and consequences of effective knowledge management. Today, domestic organizations are compelled, as well as other international organizations and have to compete to stay in business environment. Hence, they must be innovative. The purpose of this study is to evaluate the effect of knowledge management on employee's innovation in organizations through empowerment as a mediator for a case study of the Agricultural Bank of Qazvin province of Iran. Required information was gathered by a self-made questionnaire adapted and based on conceptual model adapted from previous studies. The population of this study consists of 369 employees of the Agricultural Bank of Qazvin. A total of 200 questionnaires were distributed, in which 188 valid questionnaires were collected. These questionnaires were distributed randomly among the male and female employees in branches of Agricultural Bank. The questionnaire is conducted by factor analysis and the reliability is measured by Cronbach's alpha. The structural equation modeling is used for data analysis. The results reveal the fact that empowerment will lead to employee's innovation. However, other variables did not have any significant and direct or indirect effect on employee's innovation.

ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

Directory of Open Access Journals (Sweden)

Nani Hartati

2017-11-01

Full Text Available This research is intended to assess and analyze the financial health of Foreign Exchange Bank and Non-Foreign Exchange Bank. Assessment is done by looking at the financial ratios from 2011 to 2015, the results of each financial ratios performed comparison and analysis. The financial statements were obtained from the Indonesian Stock Exchange website. The conclusions of the analysis were compared with the indicators of Bank Indonesia's financial performance assessment released by Indonesia Bank. There is a significant difference between foreign exchange bank and non-foreign exchange bank. The ratio of financial ratios in the analysis includes NPL, CAR, ROA, LDR, and BOPO.

Bank credit and business financing

NARCIS (Netherlands)

Morales Arenas, Diana

2018-01-01

This dissertation consists of three essays on empirical banking. They explore the bank lending granted to businesses. Chapter 1 explores the effect of less stringent collateral requirements on small firms’ employment growth. Not having to pledge collateral seems to have an effect on the growth

GenBank

OpenAIRE

Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Wheeler, David L.

2006-01-01

GenBank (R) is a comprehensive database that contains publicly available nucleotide sequences for more than 240 000 named organisms, obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects. Most submissions are made using the web-based BankIt or standalone Sequin programs and accession numbers are assigned by GenBank staff upon receipt. Daily data exchange with the EMBL Data Library in Europe and the DNA Data Bank of Japan...

Strategic positioning in banking industry: Evidence from banking industry

Directory of Open Access Journals (Sweden)

Hedieh Mashoof

2014-08-01

Full Text Available Strategic positioning has always been a key tool for managers to analyze the position of the firm in different attributes in comparison with competitors. With regard to fierce competition in banking industry, the aim of this study is to analyze the position of Bank Melli Iran with 5 public and private rivals in 6 attributes. The sample of this study was 387 Bank Melli Iran customers. The results of this study were in 14 perceptual maps in which the positions of Bank Melli Iran attributes have been shown compared with bank’s key competitors. The results showed that Bank Melli Iran had strong position and came to the first place in attributes like price, physical equipment and location and security. Moreover, Bank Melli Iran has to improve its position in attributes with no better position.

CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

Directory of Open Access Journals (Sweden)

Chian-Son Yu

2014-06-01

Full Text Available Through investigating factors that influence consumers to make a transition from online to mobile banking, this empirical study shows that relative attitude and relative subjective norm positively motivated respondents to switch from Internet to mobile banking while relative perceived behavior control deterred respondents from transitioning. Empirical results also demonstrated that Internet banking is superior to mobile banking in terms of consumer relative compatibility, self-efficacy, resource facilitating conditions, and technology facilitating conditions. Meanwhile, mobile banking emerged as superior to Internet banking for other constructs. By adding a comparative concept into an extended decomposed theory of planned behavior (DTPB model, this study may expand the applicable domain of current social psychology theories from the adoption of single products or services to the choice between competing products or services that achieve similar purposes and functions.

JEF-1: The Evaluated Nuclear Data Library of the NEA Data Bank

International Nuclear Information System (INIS)

Lemmel, H.D.

1991-04-01

This document summarizes the contents of JEF-1, the Joint Evaluated File of nuclear data compiled by the OECD Nuclear Energy Agency Data Bank, finalized in 1986 and released in 1990. The entire library or retrievals of selected materials are available on magnetic tape from the IAEA Nuclear Data Section free of charge. (author)

JEF-1. The evaluated nuclear data library of the NEA Data Bank

International Nuclear Information System (INIS)

Lemmel, H.D.

1990-09-01

This document summarizes the contents of JEF-1, the Joint Evaluated File of nuclear data compiled by the OECD Nuclear Energy Agency Data Bank, finalized in 1986 and released in 1990. The entire library or retrievals of selected materials are available on magnetic tape from the IAEA Nuclear Data Section free of charge. (author)

12 CFR 209.2 - Banks desiring to become member banks.

Science.gov (United States)

2010-01-01

... Deposit Insurance Act (12 U.S.C. 1821(n)) should not apply until in the process of issuing stock pursuant... ISSUE AND CANCELLATION OF FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I) § 209.2 Banks desiring to become member banks. (a) Application for stock or deposit. Each national bank in process of organization...

USERS' PREFERENCE TOWARDS TRADITIONAL BANKING VERSUS E-BANKING – AN ANALYSIS

OpenAIRE

Dr. S. Anthony Rahul Golden

2016-01-01

Banking transactions that takes place in a virtual ambience on the website of a banking company or a financial institution is termed as ‘Internet Banking’. The essence of Internet banking lies in on-line access by customers of banking and financial services. This is the right time to discuss about the customer prefer whether traditional banking or online banking. What are reasons are beyond that for their preference has been analysed here. Finally, it is concluded that as people are very clos...

THE EPISTEMOLOGICAL PERSPECTIVE OF FRACTIONAL RESERVE BANKING AND FULL RESERVE BANKING: WHERE ISLAMIC BANKING SHOULD STAND?

Directory of Open Access Journals (Sweden)

Yaser Taufik Syamlan

2017-06-01

Full Text Available Objectives – this research is aimed to compare those epistemological bases to the mindset of Islamic Bank and try to drive the philosophy in practical operation whether based on the Fractional Reserve Banking Sytem (RBS or 100% RBS and analyze the challenges in deploying the 100%RBS. Methods - This research will be conducted based on an extensive literature review.Results - Based on the epistemological analysis of money and the business cycle as well as the views of Islamic scholars, 100%RBS should be the best for Islamic Bank. There are four types of 100% RBS namely Pure Commodity Money, Sovereign Money, Narrow Banking, and Limited Purpose Banking. To deploy it into the economic system, another philosophical work should be done to choose one of the types and strengthen it so that the theory of 100%RBS can be implemented for the goodness of Islamic Bank.  Conclusion - In Conclusions, Based on the epistemology defined by Islamic Scholars, FractRBS has more mafsadah if we compare to the maslahah. Therefore, 100% RBS should be better for the Islamic Bank.

Hardware format pattern banks for the Associative memory boards in the ATLAS Fast Tracker Trigger System

CERN Document Server

Grewcoe, Clay James

2014-01-01

The aim of this project is to streamline and update the process of encoding the pattern bank to hardware format in the Associative memory board (AM) of the Fast Tracker (FTK) for the ATLAS detector. The encoding is also adapted to Gray code to eliminate possible misreadings in high frequency devices such as this one, ROOT files are used to store the pattern banks because of the compression utilized in ROOT.

Bank regulation and financial fragility in developing countries: Does bank structure matter?

Directory of Open Access Journals (Sweden)

Jeroen Klomp

2015-12-01

Full Text Available Using data for 1238 banks located in 94 developing and emerging countries, we explore whether the impact of bank regulation and supervision on banking risk (measured by the banks’ Z-scores depends on bank structure. Our findings suggest that stricter regulation and supervision increases the banks’ Z-scores. Notably capital requirements and supervisory control diminish banking risk. However, the effectiveness of other dimensions of regulation and supervision depends on the organizational structure of banks. Notably activity restrictions reduce risk of large and foreign owned banks, while liquidity restrictions have most effect on the Z-scores of unlisted and commercial banks.

Analisis Kinerja Keuangan Bank Sebelum Dan Sesudah Diakuisisi Oleh Investor Asing: Studi Empiris Pada Bank Central Asia Dan Bank Niaga

Directory of Open Access Journals (Sweden)

Yen Sun

2011-11-01

Full Text Available Banking industry is one of the most influence factors in the economy growth of one country. However, during 1997-1998 Indonesia banking industry went through hard times because of economic crisis. After that years, many banks were liquidated and restructured. The interesting part is through the restructuring process, several bank acquired by foreign investor and became the foreign-domestic bank. In 2010, some of those banks were in the 10 biggest banks in Indonesia based on asset. Hence, the writer interesting to compare the bank’s financial performance before and after being acquired using two banks as samples of empirical study. Data is based on financial statements published by the companies and Central Bank of Indonesia in 1995-1996, and 2003-2004. Two sample of banks have been selected based on several criteria, they are BCA and Bank Niaga. To analyse their financial performance, several analysis tools will be using, specifically CAMELS (CAR, NPL, NIM, BOPO, LDR minus mangement and sensitivity. The result of the study observed that after being acquired, financial performance of BCA and Niaga Bank is getting better in CAR, NIM, BOPO, but NPL and LDR is less favorable for BCA and so NPL is less favorable for Niaga Bank. Moreover, in terms of profitability analysis, both banks shows better performance. While, the result of credit analysis indicates that the credit risk for both banks is in the stable range at CCC.

E-BANKING: A CASE STUDY OF ASKARI COMMERCIAL BANK PAKISTAN

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Muhammad Shakil AHMAD

2011-01-01

Full Text Available This paper has covered the operational issues related to e-banking as well as customer’s perception on usage of e-banking a case study of Askari Bank, Pakistan. 40 staff members and four customers are selected as sample for this study. Both qualitative and quantitative methods are used to present the results. Descriptive statistics is applied to describe the demographic variables while for operational problems correlation was used. Finally cross case analysis present customers’ perception about e-banking practices. Analysis shows that customer is not ready to adopt new technology that why their satisfaction level with e-banking is low. Internet speed and government policies are not supportive for e-banking in Pakistan. Due to lack of trust on technology and low computer literacy rate, customer hesitates to adopt new technology. : In order to promote IT culture in Pakistan, government has to reduce the internet rate. to promote the benefits of e-banking on media so that more user get facilitated from e-banking services.

POSITIONING ANALYSIS OF ISLAMIC BANK vis-àvis CONVENTIONAL BANK IN INDONESIA USING PARAMETRIC SFA AND DFA METHODS15

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Ir Ascarya

2014-03-01

Full Text Available This study will measure and compare the efficiency of Conventional and Islamic banks in Indonesia using parametric approach stochastic frontier approach (SFA and distribution free approach (DFA. These measurements will provide comprehensive and robust results of efficiency of individual bank compare to its peer group. The results using parametric SFA show that in 2002, conventional banks (0.79 were slightly more efficient than Islamic banks (0.77, while in 2003, the efficiency of Islamic banks improved to 0.84 and the efficiency of conventional banks worsen to 0.76, so that Islamic banks have become more efficient than conventional banks. Conventional and Islamic banks have been improving and converged to the highest level of efficiency (1.00 since 2004. The DFA results show that conventional banks (0.89 are only slightly more efficient than Islamic banks (0.87. Conventional public bank (0.93 is the most efficient, while Islamic regional bank (0.84 is the least efficient. Moreover, efficient banks (conventional and Islamic do not always have lower OCOI (operating costs divided by operating income, while banks with better OCOI usually are more profitable (have better return on assets or ROA. Therefore, technically, Islamic banks have shown their readiness to compete head to head with their conventional counterparts. However, other aspects, such as, number of networks and branches, service quality, convenience, products and services provided, human resources, and pricing, should have become the next priorities for improvements.JEL Classification : C10, C33, G21, G28Keywords : Islamic Banking, Efficiency, Stochastic Frontier Approach, Distribution Free Approach

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

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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.

Transformation of the Polish Banking Sector

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Marek Stefański

2009-07-01

Full Text Available In the post-war period the banking system in Poland underwent two important system transitions: after 1946 and after 1989. The third transformation began after May 1, 2004, but it did not have a systemic character. The Polish banking sector started to operate on the Single European Market. The first part of the paper is devoted to the problems of the banks transformations after 1989 with a special focus on the quantitative development of banks in 19892008, and on subsequent privatisation and consolidation processes. The former intensified in 19891999, and the latter in 19992002. The consolidation process was very noticeable in the sector of cooperative banks after 1994. The second part of the paper includes an economic and financial analysis of the banks. A lot of attention was paid to the liquidity of the banking sector. It was assessed as good, which was confirmed by a short-term rating of Moodys and by the Financial Stability Report 2009, published by the National Bank of Poland in June 2009. The comparison of the net profit of the banking sector in 19972008 shows its dependence on the economic situation and policy. The number of banks with capital adequacy ratio well above the minimum required by the banking supervision is rising. The financial power ratings are not favorable for the domestic banks. The third part of the paper focuses on the development directions of the Polish banking sector. It may be concluded on the basis of the analysis that privatisation and consolidation processes will be continued. They will concentrate on the capital of foreign banks already operating in Poland. As compared with individual foreign banks, the potential of the Polish banking sector is week. The fourth part of the paper focuses on the presentation Polish banking sector in the context of European Union banking sector. The paper finishes with conclusions. Generally, Polish banks have to implement a strategy to enable them to compete on the Single

Essays on banking

NARCIS (Netherlands)

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’

[Characteristics of the Chinese human milk banks' operation].

Science.gov (United States)

2017-08-02

Objective: To assess the operation status of human milk banks in the mainland of China. Method: This retrospective study included a consecutive series of 14 human milk banks in the mainland of China from March 2013 to December 2016. The opened date, condition of donated breast milk, characteristics of donors and clinical application of donated breast milk were analyzed. Result: There were 14 human milk banks successively founded in mainland China from March 2013 to December 2016. The number of human milk banks, the amount of donated breast milk, the number of eligible donors and the times of donation had increased each year. Howere, the operation status among these milk banks varied greatly. Among them, one human milk bank has newly opened without relevant data, 6 banks could accept frozen breast milk, and the remaining 7 banks could only collect breast milk by the nurses in the bank. Among the 3 121 eligible donors, 1 404 (45.0%) donated less than 3 times, 2 553 (81.8%) aged 25 to 35 years, 2 828 (90.6%) had term delivery, 2 409 (77.2%) began donation one month after birth, 1 798 (57.6%) were company employees and housewives and 1 891 (60.6%) had bachelor or higher degree. The use of donor breast milk, the number of recipients and the average received amount of breast milk every person varied greatly among these banks. Conclusion: The human milk banking developed quickly in the mainland of China. Howere, the number of donors and the amount of donated breast milk which could not meet the clinical demands should be improved. And it was urgent to establish the standards or guidelines of the human milk banking as soon as possible in China.

Determination of curve 1/M profile as a function of control rod bank position

International Nuclear Information System (INIS)

Pereira, Valmir; Martinez, Aquilino Senra; Silva, Fernando Carvalho da

2002-01-01

Determination of the subcritical multiplication curve profile (1/M) as a function of control rod bank position is of paramount importance to the development of a system which allows to foresee and also anticipate determination of criticality of a PWR reactor core. This work aims at determining this profile. For that, the 3D- two group-diffusion equations for a subcritical PWR reactor core with external neutron source is solved for different control rod bank positions. Results obtained are compared with the results from the corresponding eigenvalue problem, in order to verify how the external neutron source interferes with the reactor criticality search. (author)

DISTANCE BANKING SERVICES - A SOLUTION FOR THE ROMANIAN MANAGEMENT BANKING SYSTEM

Directory of Open Access Journals (Sweden)

ELENA SILVIA DINCULESCU

2010-01-01

Full Text Available Involved in the competition to attract and turn the clientele faithful, banks develop a series of activities that could increase their popularity, trust, and acknowledgement. Thus, creating a distance banking service is an opportunity that must be put into value. The present tendency at international level is the significant decrease of the importance of distribution channels through the classic banking network. In this context, active banks in Romania cannot be dissociated from the existing tendencies, and the spectacular dynamics of distance banking services in the last years has shown that, in a future closer than expected, clients might abandon the services of a bank with bad quality e-banking.

The Impact of Internet Banking on Bank Performance and Risk: The Indian Experience

Directory of Open Access Journals (Sweden)

Pooja MALHOTRA

2009-11-01

Full Text Available The paper describes the current state of Internet banking in India and discusses its implications for the Indian banking industry. Particularly, it seeks to examine the impact of Internet banking on banks’ performance and risk. Using information drawn from the survey of 85 scheduled commercial bank’s websites, during the period of June 2007, the results show that nearly 57 percent of the Indian commercial banks are providing transactional Internet banking services. The univariate analysis indicates that Internet banks are larger banks and have better operating efficiency ratios and profitability as compared to non-Internet banks. Internet banks rely more heavily on core deposits for funding than non-Internet banks do. However, the multiple regression results reveal that the profitability and offering of Internet banking does not have any significant association, on the other hand, Internet banking has a significant and negative association with risk profile of the bank

THE POLITICS OF THE NATIONAL BANK OF ROMANIA TO DEAL WITH CREDITING RISK

Directory of Open Access Journals (Sweden)

Vechiu Camelia

2011-12-01

Full Text Available The market economy refers to the implicit presence of a banking system which could ensure the mobilization of all the monetary resources of the respective economy and their temporary orientation towards the development of efficient economic activities. A significant aspect of the bank performance refers to the measurement of risks with the aim to diminish them. If the bank management is poor and the risks are not taken into consideration, it will be possible that the earning capacity to be reduced and to lead even to the bankruptcy. Due to the fact that the banks are lending, they assume risks which are determined by the doubtful debtor (it appears the insolvency, or by the general economic evolution (which involves interest and exchange rate risks, or by the financial structure of the bank (financing long-term credits from short or sight deposits. The bank risk can be determined by external or internal factors of the bank due to the competitive environment. In the professional literature, the methodology used for the risk management involves several steps: the risk identification and analysis; the risk elimination and control; the risk assessment and assuming; the risk financing by debiting the general or specific reserves or by transfer which means the insurance of the bank company. For those banks operating in Romania, the risks are even more evident due to the hostile environment in which they operate, but also due to the specificity of the Romanian banking system which is still evolving and adapting to the competitive stringencies of the market economy. This paper is trying to follow the risk involvement towards the bank activity taking into account its importance and role in order to ensure the increase of the bank earning capacity.

Adaptation of Pandemic H1N1 Influenza Viruses in Mice▿

Science.gov (United States)

Ilyushina, Natalia A.; Khalenkov, Alexey M.; Seiler, Jon P.; Forrest, Heather L.; Bovin, Nicolai V.; Marjuki, Henju; Barman, Subrata; Webster, Robert G.; Webby, Richard J.

2010-01-01

The molecular mechanism by which pandemic 2009 influenza A viruses were able to sufficiently adapt to humans is largely unknown. Subsequent human infections with novel H1N1 influenza viruses prompted an investigation of the molecular determinants of the host range and pathogenicity of pandemic influenza viruses in mammals. To address this problem, we assessed the genetic basis for increased virulence of A/CA/04/09 (H1N1) and A/TN/1-560/09 (H1N1) isolates, which are not lethal for mice, in a new mammalian host by promoting their mouse adaptation. The resulting mouse lung-adapted variants showed significantly enhanced growth characteristics in eggs, extended extrapulmonary tissue tropism, and pathogenicity in mice. All mouse-adapted viruses except A/TN/1-560/09-MA2 grew faster and to higher titers in cells than the original strains. We found that 10 amino acid changes in the ribonucleoprotein (RNP) complex (PB2 E158G/A, PA L295P, NP D101G, and NP H289Y) and hemagglutinin (HA) glycoprotein (K119N, G155E, S183P, R221K, and D222G) controlled enhanced mouse virulence of pandemic isolates. HA mutations acquired during adaptation affected viral receptor specificity by enhancing binding to α2,3 together with decreasing binding to α2,6 sialyl receptors. PB2 E158G/A and PA L295P amino acid substitutions were responsible for the significant enhancement of transcription and replication activity of the mouse-adapted H1N1 variants. Taken together, our findings suggest that changes optimizing receptor specificity and interaction of viral polymerase components with host cellular factors are the major mechanisms that contribute to the optimal competitive advantage of pandemic influenza viruses in mice. These modulators of virulence, therefore, may have been the driving components of early evolution, which paved the way for novel 2009 viruses in mammals. PMID:20592084

E-Banking: Risk Management Practices of the Estonian Banks

OpenAIRE

Dmitri Sokolov

2007-01-01

During the last years the development of e-banking in Estonia has been very significant. According to the report of the World Economic Forum, the Estonian IT-development has been substantial. The success of e-banking in Estonia can be compared to the corresponding success of the Nordic countries. According to the Deutsche Bank Research, around 70-80% of the Internet users in Estonia use Internet banking and in this respect, Estonia could be compared to Finland, Norway and Iceland. Despite of ...

STS-42 Payload Specialist Merbold with drink on OV-103's aft flight deck

Science.gov (United States)

1992-01-01

STS-42 Payload Specialist Ulf D. Merbold, wearing a lightweight headset (HDST), experiments with a grapefruit drink and straw on the aft flight deck of Discovery, Orbiter Vehicle (OV) 103. Merbold watches the liquid ball of grapefruit drink he created float in the weightlessness of space. The Los Angeles Dodger cap Merbold is wearing is part of a tribute to Manley L. (Sonny) Carter, originally assigned as a mission specialist on this flight. During the eight-day flight, the crewmembers each wore the cap on a designated day. Carter, a versatile athlete and avid Dodger fan, died in the crash of a commuter airline in 1991.

Bank Ethics:An Empirical Investigation of the Banking in China

Institute of Scientific and Technical Information of China (English)

刘春红; 宋玮

2004-01-01

Business ethics is considered critical for the reputation and competitive power of banks, especially in China after WTO Entry. This study applied the theory and research on ethical practices of successful managers and ethics control mechanisms to identify the ethical climates that result in ethical behaviors in the banking. 141 employees from different banks in Shanghai, China, completed measures of all scales in the survey. The results support the theorizing of the value of well-formed business ethics in the banking in China. The correlation and structural equation analysis suggests that ethical practices of successful managers and ethics control mechanisms of banks reinforce three ethical climates of 'service', 'law and rules' and 'caring' that promote the ethical level of employees, and the independence and instrumental climate on the contrary. This study also found that there are three ethics control mechanisms most commonly used in the banking and ethics-focused reward system is believed to be a mostly effective one by the employees of banking in China.

The Banks Rating Analysis The Differences Between The Regional Development Banks And Non-Foreign Exchange Commercial Banks In Indonesia

Directory of Open Access Journals (Sweden)

Dr. Irwan Ch

2017-06-01

Full Text Available This study aimed to analyze the bank rating in terms of differences the financial performance between the Regional Development Banks and Non-Foreign Exchange Commercial Banks. It is consist of capital adequacy asset quality profitability Return On Asset ROA Return on Equity ROE Net Interest Margin NIM and Liquidity Loan to Deposit Ratio. The fulfillment of capital adequacy and asset quality of the bank groups did not differed significantly while in terms of profitability and liquidity there are significant differences. The earning difference is more likely due to the Regional Development Banks sources of funds for the implementation of the Local Government Cash Holder function as the Provincial Government and District City. The difference of liquidity are showed by the performance of Regional Development Banks and the Non-Foreign Exchange Commercial Banks in lendingfinancing whereas the two groups of banks on average are still relatively low in lending.

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

Science.gov (United States)

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) General...

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

Science.gov (United States)

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 national...

Autogenic-feedback training - A treatment for motion and space sickness

Science.gov (United States)

Cowings, Patricia S.

1990-01-01

A training method for preventing the occurrence of motion sickness in humans, called autogenic-feedback training (AFT), is described. AFT is based on a combination of biofeedback and autogenic therapy which involves training physiological self-regulation as an alternative to pharmacological management. AFT was used to reliably increase tolerance to motion-sickness-inducing tests in both men and women ranging in age from 18 to 54 years. The effectiveness of AFT is found to be significantly higher than that of protective adaptation training. Data obtained show that there is no apparent effect from AFT on measures of vestibular perception and no side effects.

Evolution of central banking? De Nederlandsche Bank 1814-1852

NARCIS (Netherlands)

Uittenbogaard, R.A.

2014-01-01

Nowadays the role of central bank is unquestioned and nearly ubiquitous. But was this always the case? This thesis analyses how De Nederlandsche Bank (DNB) developed into a central bank during the first four decades of its existence. Its establishment in 1814 was the result of a combination of both

Regulation of “Banking Group” In Russia in Banking Mergers and Acquisitions in the Modern Conditions

Directory of Open Access Journals (Sweden)

Nikita V. Gurin

2016-01-01

Full Text Available The article says about the specific regulation of banking groups in Russia and applicability of the category in corporate structuring M&A practices. Relevancy and importance of the research are based on increasing attention of the regulatory authorities to the disclosure of grounds and means of establishing a control over groups of entities and, controlling of expenses of funding from the budget of the State Corporation "Deposit Insurance Agency", the Central Bank of the Russian Federation. The article discusses the definitions banking group", "banking holding", "group of entities", "group of entities connected to a credit institution", consolidated "banking group" and applicability of the definitions to filing of the group statements, the use of the banks' (banking group indicators, the applicability of these data to the efficient allocation of resources and the rehabilitation of the Russian banking system. This paper analyzes the current regulations, the author refers to the indicator maximum risk associated with the credit institution a person (a group associated with the credit institution officials, as well as a new version of the indicator maximum amount of loans, bank guarantees and sureties issued by a credit institution (banking group to its members (shareholders and the procedure for calculating them, which come into force from January 1,2016. At the end of the article the author suggests possible options to improve current regulations. The urgency of the problems mentioned is confirmed by cases from practice, which point to the problems identified. The novelty of the work lies in the complex economic and legal approach to risk management to ensure information transparency of banks in the performance of the duty of notification (approval of transactions with the Central Bank of the Russian Federation and the disclosure and reporting its performance. This approach acknowledges the practical importance of the conclusions. Based on the

75 FR 1621 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-01-12

..., 2010. A. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant Vice President) 230 South LaSalle Street, Chicago, Illinois 60690-1414: 1. John E. Helgerson, Ottumwa, Iowa; to acquire additional shares...

77 FR 71593 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-12-03

... December 17, 2012. A. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Stephen Wellington, Jr., Saint Paul...

Bank Stability and Competition: Evidence from Albanian Banking Market

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Gerti SHIJAKU

2017-05-01

Full Text Available This paper analyses the inter-temporal competition – stability nexus after the global financial crises. For this reason, the empirical estimation approach follows a five – step procedure. First, we utilise quarterly macroeconomic and balance sheet and income statement data for 16 banks operating in the Albanian banking sector over the period 2008 – 2015. Second, we calculate a new composite index as a measure of bank stability conditions, which includes a wide set of information rather than focusing only on one aspect of risk. Then, we construct a proxy for bank competition such as the Boone indicator. Empirical estimations are based on the General Method of Moments approach. A set of robustness checks include also the use of other alternative proxy of competition such as the Lerner index and the efficientadjusted Lerner index, profit elasticity and the Herfindahl index. Empirical results strongly support the “competition – stability” view after the global financial crises - that higher degree of competition boosts further bank stability conditions. Results further indicate that greater concentration has also a negative impact on bank stability. Results imply also that bank stability is positively linked with macroeconomic conditions and capital ratio and inverse with operational efficiency. Finally, we do not find a non-linear relationship between competition and stability.

Evolution with a seed bank: The population genetic consequences of microbial dormancy.

Science.gov (United States)

Shoemaker, William R; Lennon, Jay T

2018-01-01

Dormancy is a bet-hedging strategy that allows organisms to persist through conditions that are suboptimal for growth and reproduction by entering a reversible state of reduced metabolic activity. Dormancy allows a population to maintain a reservoir of genetic and phenotypic diversity (i.e., a seed bank) that can contribute to the long-term survival of a population. This strategy can be potentially adaptive and has long been of interest to ecologists and evolutionary biologists. However, comparatively little is known about how dormancy influences the fundamental evolutionary forces of genetic drift, mutation, selection, recombination, and gene flow. Here, we investigate how seed banks affect the processes underpinning evolution by reviewing existing theory, implementing novel simulations, and determining how and when dormancy can influence evolution as a population genetic process. We extend our analysis to examine how seed banks can alter macroevolutionary processes, including rates of speciation and extinction. Through the lens of population genetic theory, we can understand the extent that seed banks influence the evolutionary dynamics of microorganisms as well as other taxa.

Central Bank independence

Directory of Open Access Journals (Sweden)

Vasile DEDU

2012-08-01

Full Text Available 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 disinflation process, as headline inflation dropped inside the targeted band of 3% ± 1 percentage point recently.

An empirical analysis of macroeconomic and bank-specific factors affecting liquidity of Indian banks

Directory of Open Access Journals (Sweden)

Anamika Singh

2016-06-01

Full Text Available This paper investigates bank-specific and macroeconomic factors that determine the liquidity of Indian banks. To explore the association, we perform OLS, fixed effect and random effect estimates on a data set of 59 banks from 2000 to 2013. Studied bank-specific factors include bank size, profitability, cost of funding, capital adequacy and deposits. GDP, inflation and unemployment are the macroeconomic factors considered. We also perform liquidity trend analysis of Indian banks based on ownership. Findings reveal that bank ownership affects liquidity of banks. Based on panel data analysis, we suggest that bank-specific (except cost of funding and macroeconomic (except unemployment factors significantly affect bank liquidity. These include bank size, deposits, profitability, capital adequacy, GDP and inflation. Further, bank size and GDP were found to have a negative effect on bank liquidity. On the other hand, deposits, profitability, capital adequacy and inflation showed a positive effect on bank liquidity. Cost of funding and unemployment showed an insignificant effect on bank liquidity. Our paper highlights new facts for enhanced understanding of liquidity in emerging economies like India.

The Bank Lending Channel of Monetary Policy Transmission in A Dual Banking System

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Mansor H. Ibrahim

2017-02-01

Full Text Available This paper examines the impact of monetary policy on bank lending in a dual banking system, i.e. Malaysia. Making use of an unbalanced panel data set of 38 Islamic and conventional banks covering mostly 2001-2014, we find evidence that variations in monetary policy affect lending growth of Islamic banks and, to some extent, conventional banks. The results further reveal that, in conformity with studies using aggregate Islamic financing data, the Islamic financing growth reacts more strongly to monetary policy changes. Moreover, we find no marked difference between full-fledged Islamic banks and Islamic bank subsidiaries in their responses to monetary policy. While we also document some evidence indicating the significant relations between bank-specific variables and lending growth, the bank-specific variables do not seem to have any role in impacting the potency of the bank lending channel. Finally, we find that lending growth is directly related to economic growth, suggesting procyclicality of bank lending/financing in Malaysia. These results have important implications for effective implementation of monetary policy and further development of Islamic banks in Malaysia.

U.S. GLOBEC Georges Bank Long-Term Moored Program. Part 1. Mooring Configuration

National Research Council Canada - National Science Library

Irish, J. D; Kerry, S; Fucile, P; Beardsley, R. C; Lord, J; Brink, K. H

2005-01-01

As part of the U.S. GLOBEC Northwest Atlantic/Georges Bank program, moorings were deployed on Georges Bank as part of the broad-scale survey component to help measure the temporal variability of both physical...

KEWAJIBAN BANK UNTUK LAPOR PERPAJAKAN ATAS DATA NASABAH BANK YANG MENGGUNAKAN JASA KARTU KREDIT DITINJAU DARI PRINSIP KERAHASIAAN BANK

OpenAIRE

Haryono, Carissa Amelia

2016-01-01

Bank is the main actor in a country's economic. however, bank has a high dependency on their customers, which that means bank cannot operate without the people, in this case the customers who use their services. To maintain its bond with the customers, bank have to at least fulfill three principles, and one of those principles is principle of confidentiality. With the principle of confidentiality, bank have to keep well their customers privacy, but there are some affiliated party ...

An analysis of river bank slope and unsaturated flow effects on bank storage.

Science.gov (United States)

Doble, Rebecca; Brunner, Philip; McCallum, James; Cook, Peter G

2012-01-01

Recognizing the underlying mechanisms of bank storage and return flow is important for understanding streamflow hydrographs. Analytical models have been widely used to estimate the impacts of bank storage, but are often based on assumptions of conditions that are rarely found in the field, such as vertical river banks and saturated flow. Numerical simulations of bank storage and return flow in river-aquifer cross sections with vertical and sloping banks were undertaken using a fully-coupled, surface-subsurface flow model. Sloping river banks were found to increase the bank infiltration rates by 98% and storage volume by 40% for a bank slope of 3.4° from horizontal, and for a slope of 8.5°, delay bank return flow by more than four times compared with vertical river banks and saturated flow. The results suggested that conventional analytical approximations cannot adequately be used to quantify bank storage when bank slope is less than 60° from horizontal. Additionally, in the unconfined aquifers modeled, the analytical solutions did not accurately model bank storage and return flow even in rivers with vertical banks due to a violation of the dupuit assumption. Bank storage and return flow were also modeled for more realistic cross sections and river hydrograph from the Fitzroy River, Western Australia, to indicate the importance of accurately modeling sloping river banks at a field scale. Following a single wet season flood event of 12 m, results showed that it may take over 3.5 years for 50% of the bank storage volume to return to the river. © 2011, The Author(s). Ground Water © 2011, National Ground Water Association.

Foreign bank entry impacted domestic-owned banks in Ghana from 1975 to 2008

Directory of Open Access Journals (Sweden)

Nsiah K. Acheampong

2013-12-01

Full Text Available This article empirically examines the effects of foreign bank entry on the financial performance of Merchant Bank Ghana Limited and Ghana Commercial Banks Limited in Ghana from 1975 to 2008. The main result of the pooled regression was that foreign bank entry relatively increased domestic banks’ return on assets for the period 1992-2008; a period with a high influx of foreign banks into Ghana. This result supported the studies by Beck, Demirguc-Kunt, and Levine (2006 and Boldrin and Levine (2009 that found that foreign bank entry enhanced domestic banks profitability margins. The presence of foreign-owned banks was not detrimental to the financial performance of the domestic-owned banks in Ghana.

Land use changes caused by bank erosion along the lower part of the Bosna river from 2001 to 2013

Directory of Open Access Journals (Sweden)

Tošić Radislav

2014-01-01

Full Text Available The river channel dynamics are result of the complex interaction between natural and human impact. In the presented study, we assessed spatial and temporal dynamics of Bosna river channel migration during 2001-2013 period using orthophoto images and GIS. We have identified that the total area of bank erosion during given period equaled 2.8695 km2, of which 1.2178 km2 were on the left bank and 1.6516 km2 on the right bank. The total area of bank accretion from 2001 to 2013 equaled 2.6841 km2, of which 1.2864 km2 was on the left bank and 1.3977 km2 on the right bank. The Bosna riverbed average movement in the period 2001-2013 was established in the amount of 60.7 m. During this period, the average lateral channel migration was 5.05 m per year. Lateral migration of the Bosna River has caused serious problems: disappearance of arable land, forests, pastures and meadows, economic loss due to the reduction of agricultural. Using statistical analysis of a land use structure changes along the lower part of Bosna River, we obtained the results which show significant lost in arable land. According to results, 42.3 ha of arable land, 171.9 ha forests and 31.8 ha pastures and meadows were lost during 2001-2013 period. The data presented here are significant for practical issues such as predicting channel migration rates for engineering and planning purposes, soil and water management. [Projekat Ministarstva nauke Republike Srbije, br. 43007: The Research on Climate Change Influences on Environment: Influence Monitoring, Adaptation and Mitigation, subproject No. 9: Torrential Floods Frequency, Soil and Water Degradation as the Consequence of Global Changes

Capital Adequacy in Banks: Reflections on Selected Banks in ...

African Journals Online (AJOL)

In principle, bank capital serves two functions. First, it represents the value of shareholder's equity, and secondly, it is the value of the buffer stock available to absorb unexpected losses. Because of this second function, it is argued that a bank's capital must be adequate. Adequate capital is the foundation of any banking ...

76 FR 6792 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2011-02-08

... February 23, 2011. A. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Russell Craig Flom, Edina, Minnesota; to...

Bank Control and the Number of Bank Relations of Japanese Firms

NARCIS (Netherlands)

Sterken, Elmer; Ogawa, Kazuo; Tokutsu, Ichiro

2005-01-01

We explore the determinants of the number of long-term bank relations of listed Japanese firms using a unique data set covering the period 1982-1999. Having a relation with a top-equity holding bank reduces the number of bank relations, while debt-rich and cash-poor firms have more bank relations.

Efficiency and Competition in the Malaysian Banking Market: Foreign versus Domestic Banks

Directory of Open Access Journals (Sweden)

Rossazana Ab-Rahim

2017-08-01

Full Text Available The aim of this paper is to investigate efficiency performance of Malaysian banking market using data envelopment analysis approach in the context of the increasing presence of foreign banks. Specifically, two measures of efficiency are constructed, cost and profit efficiency by utilizing bank-level data of Malaysian commercial banks, over the period 2003 to 2014. The results obtained show the domestic banks are more efficient than the foreign banks counterparts for both measures of efficiency. Next, the Lerner Index approach is employed to measure competition and finally, Granger causality tests are undertaken to answer the question, does competition foster efficiency? The results of causality tests support a positive effect of competition on cost and profit efficiency of Malaysian banks. With regard to the financial liberalization, the findings imply that higher competitive pressure may be offset the market power of individual banks; however, eventually it will results in efficiency gains of Malaysian banks.

Does Concentration Matter for Bank Stability? Evidence from the Albanian Banking Sector

Directory of Open Access Journals (Sweden)

Shijaku Gerti

2017-09-01

Full Text Available Motivated by the debate on the concentration-stability nexus, this paper studies the impact of bank concentration on the likelihood of a country suffering systemic bank fragility. For this reason, we followed a new approach using on-site bank balance sheet information to construct our proxy that represents each bank stability condition and uses a variety of internal and external factors to estimate a balance panel dynamic two-step General Method of Moments (GMM approach for the period 2008 - 2015. First, results provide supportive evidence consistent with the concentration-fragility view. Second, macroeconomic variables seem to have a significant effect on bank stability, which is not found for the sovereignty primary risk. By contrast, the bank-specific variables have also a significant effect on bank stability conditions. Finally, non-systemic banks are found to be more sensitive to macroeconomic condition and market concentration, while the better capitalised banks are less sensitive to fragility at the expense of lower operation efficiency.

Pricing linkage between Islamic banking and conventional banking: The case of Bangladesh

Directory of Open Access Journals (Sweden)

Sarwar Uddin Ahmed

2014-11-01

Full Text Available Islamic banking is based on profit and loss mechanism where the use of interest is prohibited.  Unlike conventional banks, these banks do not charge a specific rate of interest, rather provides financing in exchange for profit sharing.  However, there are studies claiming that, in practice, Islamic banking is same as conventional banking with regard to the use of interest. It is also claimed that, Islamic deposits are not interest-free, but are closely attached to conventional deposits.   On this background, the objective of this study is to examine the relationship between pricing in Islamic banks vis-à-vis conventional banks by taking the case of Bangladesh. We have used monthly data during the period of 2009-2013. The findings of the study showed that, there is no statistically significant difference between the monthly average lending rates of Islamic banks and conventional banks. However, there is significant difference between deposit rates. The existence of causal relationship was inconclusive, and requires further analysis.

BLC Bank - Lebanon : Leading in Banking on Women

OpenAIRE

International Finance Corporation

2016-01-01

The overall objective of this study is to learn about the impact of International Finance Corporation’s (IFC) Banking on Women (BoW) Program in the Europe and Central Asia and the Middle East and North Africa (EMENA) through BLC Bank of Lebanon. The objective of this specific case study is to understand the success of the BoW program for BLC Bank in Lebanon in terms of the program’s contri...

Data bank system in JFT-2M tokamak

International Nuclear Information System (INIS)

Takada, S.; Matsuda, T.; Miura, Y.; Mori, M.; Kawakami, T.; Matoba, T.

1987-01-01

It is very important to keep suitably and use effectively experimental data in the field of fusion research. The data bank system for fusion experiment can be classified into the following two forms, according to the type of their use: (1) Rapid Analysis Data Bank System; (2) High Quality Data Bank System. And their features are summarized. The data bank system of the former type was prepared for JFT-2M tokamak on the basis of the above classification. By introduction of this data bank system, the following results can be obtained: (1) Rationalization of data analyzing procedure; (2) Improvement of reliability by exclusion of bad data; (3) Easy expansions of analyzing function and tool development; (4) Space saving by extraction and compression of key information

Steam exit flow design for aft cavities of an airfoil

Science.gov (United States)

Storey, James Michael; Tesh, Stephen William

2002-01-01

Turbine stator vane segments have inner and outer walls with vanes extending therebetween. The inner and outer walls have impingement plates. Steam flowing into the outer wall passes through the impingement plate for impingement cooling of the outer wall surface. The spent impingement steam flows into cavities of the vane having inserts for impingement cooling the walls of the vane. The steam passes into the inner wall and through the impingement plate for impingement cooling of the inner wall surface and for return through return cavities having inserts for impingement cooling of the vane surfaces. A skirt or flange structure is provided for shielding the steam cooling impingement holes adjacent the inner wall aerofoil fillet region of the nozzle from the steam flow exiting the aft nozzle cavities. Moreover, the gap between the flash rib boss and the cavity insert is controlled to minimize the flow of post impingement cooling media therebetween. This substantially confines outflow to that exiting via the return channels, thus furthermore minimizing flow in the vicinity of the aerofoil fillet region that may adversely affect impingement cooling thereof.

Quality indicators for eye bank.

Science.gov (United States)

Acharya, Manisha; Biswas, Saurabh; Das, Animesh; Mathur, Umang; Dave, Abhishek; Singh, Ashok; Dubey, Suneeta

2018-03-01

The aim of this study is to identify quality indicators of the eye bank and validate their effectivity. Adverse reaction rate, discard rate, protocol deviation rate, and compliance rate were defined as Quality Indicators of the eye bank. These were identified based on definition of quality that captures two dimensions - "result quality" and "process quality." The indicators were measured and tracked as part of quality assurance (QA) program of the eye bank. Regular audits were performed to validate alignment of standard operating procedures (SOP) with regulatory and surgeon acceptance standards and alignment of activities performed in the eye bank with the SOP. Prospective study of the indicators was performed by comparing their observed values over the period 2011-2016. Adverse reaction rate decreased more than 8-fold (from 0.61% to 0.07%), discard rate decreased and stabilized at 30%, protocol deviation rate decreased from 1.05% to 0.08%, and compliance rate reported by annual quality audits improved from 59% to 96% at the same time. In effect, adverse reaction rate, discard rate, and protocol deviation rate were leading indicators, and compliance rate was the trailing indicator. These indicators fulfill an important gap in available literature on QA in eye banking. There are two ways in which these findings can be meaningful. First, eye banks which are new to quality measurement can adopt these indicators. Second, eye banks which are already deeply engaged in quality improvement can test these indicators in their eye bank, thereby incorporating them widely and improving them over time.

Bank customers’ satisfaction, customers’ loyalty and additional purchases of banking products and services. A case study from the Czech Republic

OpenAIRE

Chochoľáková, Anna; Gabčová, Lenka; Belás, Jaroslav; Sipko, Juraj

2015-01-01

The aim of this article was to examine and quantify 1) the dependence of additional purchases of banking products from customer loyalty and 2) dependence of bank clients’ loyalty from their satisfaction with the bank’s customer service. The respondents from our research in 2014 were divided into satisfied (loyal) and dissatisfied (disloyal) banking clients. Their attitudes in the area of loyalty and additional purchases of banking products were compared. Differences in attitudes were examined...

77 FR 35386 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-06-13

... June 28, 2012. A. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Russell S. King, North Oaks, Minnesota; to...

Banking governance: New Approaches

Directory of Open Access Journals (Sweden)

Victor Mihăiţă Duţă

2016-11-01

Full Text Available Banks are companies like any other. However, banks are distinguished by certain intrinsic characteristics of companies that have a different impact on the motivation of stakeholders. Among these features, we mention:partnership and shareholders governance agreements; banks are heavily regulated companies; banking assets is the main source of haze banking and information asymmetry; between the bank and depositors there is a problem of moral hazard.

EFISIENSI BANK PEMBANGUNAN DAERAH: PENDEKATAN STOCHASTIC FRONTIER

Directory of Open Access Journals (Sweden)

Ahmad Husein Fadhlullah

2016-01-01

Full Text Available The objective of this research is to analyze the efficiency rate at Islamic regional banks (BPD in Indonesia, with case of 15 Islamic regional banks from 2008 – 2012. The method that used in this research is stochastic frontier analysis approach (SFA, which uses the input variable (such as human resources cost, administration cost, and other expenses and the output variable is SFA (operational income. The average efficiency rate from 15 Islamic regional banks from 2008 – 2012 with SFA method is 53.21 percent and all of the Islamic regional banks doesn’t achieve the 100 percent efficiency. The most efficient banks is Islamic regional bank of Kalimantan Barat which the efficiency rate achieve 90.42 percent and the most inefficiency banks is Islamic regional bank of Sumatera Barat. The average efficiency rate from 2008-2012 is always increase each year. In 2008 the average efficiency rate only 33.57 percent and in the last of 2012 achieve 71.81 percent.DOI: 10.15408/sjie.v4i1.2291

Data Bank 1B - Ticket Dollar Value Origin and Destination - Public Version : first quarter.

Science.gov (United States)

2009-01-01

This CD presents the same data as Data Bank 1B and also includes dual codes for the operating and ticketed carrier and incorporates data as reported each quarter by participating air carriers from the continuous 10% sample of airline tickets. It incl...

Data Bank 1B - Ticket Dollar Value Origin and Destination - Public Version : third quarter.

Science.gov (United States)

2010-01-01

This CD presents the same data as Data Bank 1B and also includes dual codes for the operating and ticketed carrier and incorporates data as reported each quarter by participating air carriers from the continuous 10% sample of airline tickets. It incl...

Data Bank 1B - Ticket Dollar Value Origin and Destination - Public Version : second quarter.

Science.gov (United States)

2012-01-01

This CD presents the same data as Data Bank 1B and also includes dual codes for the operating and ticketed carrier and incorporates data as reported each quarter by participating air carriers from the continuous 10% sample of airline tickets. It incl...

Data Bank 1B - Ticket Dollar Value Origin and Destination - Public Version : fourth quarter.

Science.gov (United States)

2010-01-01

This CD presents the same data as Data Bank 1B and also includes dual codes for the operating and ticketed carrier and incorporates data as reported each quarter by participating air carriers from the continuous 10% sample of airline tickets. It incl...

Data Bank 1B - Ticket Dollar Value Origin and Destination - Public Version : first quarter.

Science.gov (United States)

2014-01-01

This CD presents the same data as Data Bank 1B and also includes dual codes for the operating and ticketed carrier and incorporates data as reported each quarter by participating air carriers from the continuous 10% sample of airline tickets. It incl...

ANALISIS KOMPARATIF DAN EKSPLORATIF TERHADAP KUALITAS PELAYANAN BANK SYARIAH DAN BANK KONVENSIONAL DI KOTA PEKALONGAN

Directory of Open Access Journals (Sweden)

Nalim Nalim

2015-12-01

Full Text Available Abstract: For the last ten years, the focus for sharia trading industry has shifted from emphasising on price to service quality. Some of the reasons for this are: the rise of banking industry rivalry, stable business environment, more challenges faces, modern technology and the increasing number of service provider systems. Additionally, within the global market, the service quality has become more prominent in surviving the banking industry. Furthermore, the service quality also influences customers' satisfactory level. For these reasons, I am interested in researching further about service quality in banking industry. This study aims at (1 finding out factors that influence customers' banking choice (sharia and conventional banks, finding out service index comparison between sharia and conventional banks, and finding out the service quality difference between sharia and conventional banks. The instrument used to compare the service quality was SERVQUAL. The data was descriptively analysed and comparatively analysed using T-test. Descriptive analysis was employed to find out the emerging patterns within the data while the T-test was utilised to analyse the correlation among variables in the questionnaire. The result of the study indicated that there were four components (tangibleness, assurance, reliability and empathy of the service quality which ranked the highest, scoring 3.69. The similar result of highest score of tangibleness, scoring 3.65, was also indicated for conventional bank. Additionally, the result of the study also indicated that sharia bank scored higher in terms of its quality on the point of 3.53, while conventional bank was on the point of 3.50. Abstrak: Sejak sepuluh tahun terakhir, fokus strategis layanan industri ritel perbankan telah mengalami pergeseran dari harga (price menuju kepada kualitas pelayanan (service quality. Alasannya adalah karena munculnya persaingan, tantangan yang berat, lingkungan bisnis yang stabil

BANKING WITHOUT INTEREST

Directory of Open Access Journals (Sweden)

Jana Ilieva

2017-06-01

Full Text Available In recent years, there has been increased global awareness of Islamic finance. This topic is mainly opened with respect to the great financial crisis that mostly hit the banking system and the financial markets and caused many bank bankruptcies and state interventions. This paper analyzes the basic principles of Islamic banking. The absolute prohibition of receiving and giving interest (Riba and profit-and-loss sharing (PLS paradigms are elaborated in detail; they are primarily based on mudarabah (profit-sharing and musyarakah (joint venture concepts which nowadays are becoming an accepted way of doing business in several Western multinational banks. An overall comparison of the advantages of Islamic vs. conventional banking is also given. Islamic finance technology solutions have matured and they will face various challenges in the following decades, due to conventional banks offering, increasingly, Islamic products. The need for a more comprehensive environment and regulatory framework is emphasized, so that Islamic banking development can be ensured.

River Bank Erosion and the Influence of Environmental Flow Management

Science.gov (United States)

Vietz, Geoff J.; Lintern, Anna; Webb, J. Angus; Straccione, David

2018-03-01

Environmental flows aim to influence river hydrology to provide appropriate physical conditions for ecological functioning within the restrictions of flow regulation. The hydrologic characteristics of flow events, however, may also lead to unintended morphologic effects in rivers, such as increases in riverbank erosion beyond natural rates. This may negatively impact habitat for biota, riparian infrastructure, and land use. Strategic environmental flow delivery linked to monitoring and adaptive management can help mitigate risks. We monitor riverbank condition (erosion and deposition) relative to environmental flows on the Goulburn River, Victoria, Australia. We describe the process of adaptive management aimed at reducing potential impacts of flow management on bank condition. Field measurements (erosion pins) quantify the hydrogeomorphic response of banks to the delivery of planned and natural flow events. Managed flows provide opportunities for monitoring riverbank response to flows, which in turn informs planning. The results demonstrate that environmental flows have little influence on bank erosion and visual perceptions in the absence of monitoring are an unreliable guide. This monitoring project represents a mutually beneficial, science-practice partnership demonstrating that a traditional `know then do' approach can be foreshortened by close collaboration between researchers and managers. To do so requires transparent, often informal lines of communication. The benefits for researchers-a more strategic and targeted approach to monitoring activities; and benefits for the practitioners-reduced time between actions and understanding response; mean that a learn by doing approach is likely to have better outcomes for researchers, stakeholders, the public, and the environment.

River Bank Erosion and the Influence of Environmental Flow Management.

Science.gov (United States)

Vietz, Geoff J; Lintern, Anna; Webb, J Angus; Straccione, David

2018-03-01

Environmental flows aim to influence river hydrology to provide appropriate physical conditions for ecological functioning within the restrictions of flow regulation. The hydrologic characteristics of flow events, however, may also lead to unintended morphologic effects in rivers, such as increases in riverbank erosion beyond natural rates. This may negatively impact habitat for biota, riparian infrastructure, and land use. Strategic environmental flow delivery linked to monitoring and adaptive management can help mitigate risks. We monitor riverbank condition (erosion and deposition) relative to environmental flows on the Goulburn River, Victoria, Australia. We describe the process of adaptive management aimed at reducing potential impacts of flow management on bank condition. Field measurements (erosion pins) quantify the hydrogeomorphic response of banks to the delivery of planned and natural flow events. Managed flows provide opportunities for monitoring riverbank response to flows, which in turn informs planning. The results demonstrate that environmental flows have little influence on bank erosion and visual perceptions in the absence of monitoring are an unreliable guide. This monitoring project represents a mutually beneficial, science-practice partnership demonstrating that a traditional 'know then do' approach can be foreshortened by close collaboration between researchers and managers. To do so requires transparent, often informal lines of communication. The benefits for researchers-a more strategic and targeted approach to monitoring activities; and benefits for the practitioners-reduced time between actions and understanding response; mean that a learn by doing approach is likely to have better outcomes for researchers, stakeholders, the public, and the environment.

Bank development; bank development efficiency; bank management; bank.

OpenAIRE

Самородов, Б. В.

2014-01-01

In the paper the theoretical research of determination of the essence of “management of bank financial development” is realized. The analysis is performed on the basis of substantial considering and comparing the philosophy and economical definitions of the components of its definition.

Enhancing the use of internet banking in an emerging market

Directory of Open Access Journals (Sweden)

Jacques Nel

2014-11-01

Full Text Available Electronic banking services such as internet banking offer bank clients substantial benefits over traditional banking channels. Although internet banking has been around for many years, increasing the use of the service by bank clients remains a priority for many managers of internet banking services. To address this managerial concern, the study investigates the factors that contribute to the enhanced use of internet banking by bank clients. Based on a literature review, internet-banking factors that could influence bank clients’ actual use of internet banking were identified. Data were collected from 1 156 users of internet banking. The results of the study showed that two factors influence internet banking usage, namely internet banking facilitating conditions and internet banking risk beliefs. The more favourable internet banking facilitating conditions are perceived to be, the more likely bank clients are to increase their use of internet banking. On the other hand, the greater the perceived risks associated with internet banking, the less the chances are that clients will do their banking through the internet. On the basis of these results, recommendations are provided to enhance the use of internet banking.

ELECTRONIC BANKING AS ANS COMPETITIVE EDGE FOR COMMERCIAL BANKS OF PAKISTAN: ROE MODEL

Directory of Open Access Journals (Sweden)

Sundas Rauf

2013-12-01

Full Text Available The impact of electronic banking on the profitability of commercial banks has been measured by developing the integrated model based on Return on Equity for the period of 2002 to 2012. Three major banks named as National Bank of Pakistan, Habib Metropolitan Bank, and Askari Bank Limited have been incorporated into the sample of this study, by applying the Ordinary Least Square (OLS , it has been concluded that services of E-Banking have significant impact on the profitability of recent adopters in terms of Return on Equity.

Legal and actual central bank independence : A case study of Bank of Indonesia

NARCIS (Netherlands)

Artha, I.K.D.S.; de Haan, J.

2010-01-01

Indicators of central bank independence (CBI) based on the interpretation central bank laws in place may not capture the actual independence of the central bank. This paper develops an indicator of actual independence of the Bank Indonesia (BI), the central bank of Indonesia, for the period

Small finance banks: Challenges

Directory of Open Access Journals (Sweden)

Jayadev M

2017-12-01

Full Text Available A recent innovation in the Indian banking structure has been the formation of a new banking institution—small finance banks (SFBs. These banks are expected to penetrate into financial inclusion by providing basic banking and credit services with a differentiated banking model to the larger population. In this context the new SFBs have multiple challenges in coming out with a new, differentiated business model. The challenges include building low cost liability portfolio, technology management, and balancing the regulatory compliances. This paper also presents the top of mind views of three senior executives of new small finance banks.

Analisis Perbandingan Kinerja pada Bank Nasional dan Bank Asing dengan Menggunakan Analisis Rasio Keuangan

OpenAIRE

Angel, Christania Graciella; Pusung, Rudy

2014-01-01

Bank performance appraisal is based on bank financial report itself. The financial report can be form balance report which give information about the financial position to the outside of bank that can be used of eksternal to assess the level of risk exist in a bank. Based on ownership consist of national bank, mixture bank and foreign bank. These banks has tight compete to show a good performance to the public. This research aimed to analyze the financial performance difference of national ba...

12 CFR 583.3 - Bank.

Science.gov (United States)

2010-01-01

... OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS 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 the...

STUDI KOMPARATIF KINERJA BANK SYARIAH DAN BANK KONVENSIONAL DALAM MENGHADAPI KRISIS GLOBAL BERDASARKAN RASIO KEUANGAN

Directory of Open Access Journals (Sweden)

Rohmawati Kusumaningtias

2009-10-01

Full Text Available At the time of financial crisis, one of the influential institutions in society is banking. Banking sector provide soft loans to create productive employment for the community. On the other hand, customers also need the liquidity from bank-ing. These stakeholders' needs can be met by looking at the performance of bank-ing. This study aims to determine differences in the performance of sharia banking and conventional banking during economic crisis. This study uses t-test to analyze the data. From the research, it was found that in general, the performance of conventional banking is better than sharia banking in the economic crisis. Keywords: shariah banking, conventional banking, performance.

Framing a Bank

DEFF Research Database (Denmark)

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...

GenBank

OpenAIRE

Benson, Dennis A.; Cavanaugh, Mark; Clark, Karen; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Sayers, Eric W.

2012-01-01

GenBank? (http://www.ncbi.nlm.nih.gov) is a comprehensive database that contains publicly available nucleotide sequences for almost 260 000 formally described species. These sequences are obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects, including whole-genome shotgun (WGS) and environmental sampling projects. Most submissions are made using the web-based BankIt or standalone Sequin programs, and GenBank staff assig...

Can we share questions? Performance of questions from different question banks in a single medical school.

Science.gov (United States)

Freeman, Adrian; Nicholls, Anthony; Ricketts, Chris; Coombes, Lee

2010-01-01

To use progress testing, a large bank of questions is required, particularly when planning to deliver tests over a long period of time. The questions need not only to be of good quality but also balanced in subject coverage across the curriculum to allow appropriate sampling. Hence as well as creating its own questions, an institution could share questions. Both methods allow ownership and structuring of the test appropriate to the educational requirements of the institution. Peninsula Medical School (PMS) has developed a mechanism to validate questions written in house. That mechanism can be adapted to utilise questions from an International question bank International Digital Electronic Access Library (IDEAL) and another UK-based question bank Universities Medical Assessment Partnership (UMAP). These questions have been used in our progress tests and analysed for relative performance. Data are presented to show that questions from differing sources can have comparable performance in a progress testing format. There are difficulties in transferring questions from one institution to another. These include problems of curricula and cultural differences. Whilst many of these difficulties exist, our experience suggests that it only requires a relatively small amount of work to adapt questions from external question banks for effective use. The longitudinal aspect of progress testing (albeit summatively) may allow more flexibility in question usage than single high stakes exams.

Integrated Marketing Communication to Enhance Active User of Internet Banking Service: Case Study Bank XYZ

OpenAIRE

Prawitasari, Larasati; Hudrasyah, Herry

2012-01-01

Internet banking is a form of self-service technology. In the global banking business, Internet banking has a big role for doing the business. In developing country, Internet banking received relatively little attention although has been deployed for years. Only 3% of customer Bank XYZ in Indonesia using Internet banking service actively, although has been 9 years Bank XYZ introduced Internet banking service. This study addressed what factor that drives and influences Internet banking accepta...

Ethical considerations in umbilical cord blood banking.

Science.gov (United States)

Fox, Nathan S; Chervenak, Frank A; McCullough, Laurence B

2008-01-01

Pregnant patients have the option at delivery of having their cord blood collected and stored for future use. At many hospitals, they have the option of donating their cord blood to the public banking system for future use by anyone who is an appropriate match (public banking). Patients also have the option of having their cord blood stored for a fee with a commercial/private company for future use within their family (private banking). Currently, private banking is not recommended by major obstetric and pediatric professional organizations. We applied current evidence of the risks and benefits of private and public cord blood banking and accepted ethical principles to answer the following two related questions: 1) Do obstetricians have an ethical obligation to comply with a request for private banking? and 2) Do obstetricians have an ethical obligation to routinely offer private banking to women who do not request it? The only situation where there is a known benefit to private banking is when public banking is not available and the patient currently has an affected family member who may benefit from cord blood therapy. We conclude that when presented with a request for private banking, obstetricians have an ethical obligation to explain the lack of proven benefit of this procedure. If the patient still requests private banking, it would be appropriate to comply, because there is minimal or no risk to the procedure. However, obstetricians are not ethically obligated to offer private banking, even when public banking is not available, except in the limited circumstance when the patient currently has an affected family member who may benefit from cord blood therapy.

Microprudential Regulation in a Dynamic Model of Banking

OpenAIRE

Gianni De Nicolò; Andrea Gamba; Marcella Lucchetta

2014-01-01

This paper studies the quantitative impact of microprudential bank regulations on bank lending and value metrics of efficiency and welfare in a dynamic model of banks that are financed by debt and equity, undertake maturity transformation, are exposed to credit and liquidity risks, and face financing frictions. We show that (1) there exists an inverted U-shaped relationship between bank lending, welfare, and capital requirements, (2) liquidity requirements unambiguously reduce lending, effici...

ROMANIAN BANKS LIQUIDITY MANAGEMENT

Directory of Open Access Journals (Sweden)

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.

Industry Wage Surveys: Banking and Life Insurance, December 1976. Part I--Banking. Part II--Life Insurance. Bulletin 1988.

Science.gov (United States)

Barsky, Carl

This report presents the results of a survey conducted by the Bureau of Labor Statistics to determine wages and related benefits in (1) the banking industry and (2) for employees in home offices and regional head offices of life insurance carriers. Part 1 discusses banking industry characteristics and presents data for tellers and selected…

Bank Ownership, Board Characteristics and Performance: Evidence from Commercial Banks in India

Directory of Open Access Journals (Sweden)

Jayati Sarkar

2018-02-01

Full Text Available We study the effect of board governance in state-owned and private banks by undertaking a study of commercial banks in India that has both bank groups. Covering a ten-year period from 2003 to 2012 that witnessed a large number of governance reforms in India, the results of our empirical analysis provide evidence of strong ownership effects with board independence exhibiting a significant positive correlation with the performance of private banks and a significant but negative correlation with the performance of state-owned banks. The effect of CEO duality is negative in state-owned banks where incidence of CEO duality is high. We find that a longer CEO tenure has significant positive effects on bank outcomes with these effects strengthening in the later years of CEO tenure. Our results have governance implications for strengthening the composition of board of directors and CEO tenure especially in state-owned banks.

Quality indicators for eye bank

Directory of Open Access Journals (Sweden)

Manisha Acharya

2018-01-01

Full Text Available Purpose: The aim of this study is to identify quality indicators of the eye bank and validate their effectivity. Methods: Adverse reaction rate, discard rate, protocol deviation rate, and compliance rate were defined as Quality Indicators of the eye bank. These were identified based on definition of quality that captures two dimensions – “result quality” and “process quality.” The indicators were measured and tracked as part of quality assurance (QA program of the eye bank. Regular audits were performed to validate alignment of standard operating procedures (SOP with regulatory and surgeon acceptance standards and alignment of activities performed in the eye bank with the SOP. Prospective study of the indicators was performed by comparing their observed values over the period 2011–2016. Results: Adverse reaction rate decreased more than 8-fold (from 0.61% to 0.07%, discard rate decreased and stabilized at 30%, protocol deviation rate decreased from 1.05% to 0.08%, and compliance rate reported by annual quality audits improved from 59% to 96% at the same time. In effect, adverse reaction rate, discard rate, and protocol deviation rate were leading indicators, and compliance rate was the trailing indicator. Conclusion: These indicators fulfill an important gap in available literature on QA in eye banking. There are two ways in which these findings can be meaningful. First, eye banks which are new to quality measurement can adopt these indicators. Second, eye banks which are already deeply engaged in quality improvement can test these indicators in their eye bank, thereby incorporating them widely and improving them over time.

Acceptance of Internet Banking Systems among Young Managers

International Nuclear Information System (INIS)

Ariff, Mohd Shoki Md; Yeow S M; Zakuan, Norhayati; Bahari, Ahamad Zaidi

2013-01-01

The aim of this paper is to determine acceptance of internet banking system among potential young users, specifically future young managers. The relationships and the effects of computer self-efficacy (CSE) and extended technology acceptance model (TAM) on the behavioural intention (BI) to use internet banking system were examined. Measurement of CSE, TAM and BI were adapted from previous studies. However construct for TAM has been extended by adding a new variable which is perceived credibility (PC). A survey through questionnaire was conducted to determine the acceptance level of CSE, TAM and BI. Data were obtained from 275 Technology Management students, who are pursuing their undergraduate studies in a Malaysia's public university. The confirmatory factor analysis performed has identified four variables as determinant factors of internet banking acceptance. The first variable is computer self-efficacy (CSE), and another three variables from TAM constructs which are perceived usefulness (PU), perceived ease of use (PE) and perceived credibility (PC). The finding of this study indicated that CSE has a positive effect on PU and PE of the Internet banking systems. Respondents' CSE was positively affecting their PC of the systems, indicating that the higher the ability of one in computer skills, the higher the security and privacy issues of PC will be concerned. The multiple regression analysis indicated that only two construct of TAM; PU and PC were significantly associated with BI. It was found that the future managers' CSE indirectly affects their BI to use the internet banking systems through PU and PC of TAM. TAM was found to have direct effects on respondents' BI to use the systems. Both CSE and the PU and PC of TAM were good predictors in understanding individual responses to information technology. The role of PE of the original TAM to predict the attitude of users towards the use of information technology systems was surprisingly insignificant.

Acceptance of Internet Banking Systems among Young Managers

Science.gov (United States)

Ariff, Mohd Shoki Md; M, Yeow S.; Zakuan, Norhayati; Zaidi Bahari, Ahamad

2013-06-01

The aim of this paper is to determine acceptance of internet banking system among potential young users, specifically future young managers. The relationships and the effects of computer self-efficacy (CSE) and extended technology acceptance model (TAM) on the behavioural intention (BI) to use internet banking system were examined. Measurement of CSE, TAM and BI were adapted from previous studies. However construct for TAM has been extended by adding a new variable which is perceived credibility (PC). A survey through questionnaire was conducted to determine the acceptance level of CSE, TAM and BI. Data were obtained from 275 Technology Management students, who are pursuing their undergraduate studies in a Malaysia's public university. The confirmatory factor analysis performed has identified four variables as determinant factors of internet banking acceptance. The first variable is computer self-efficacy (CSE), and another three variables from TAM constructs which are perceived usefulness (PU), perceived ease of use (PE) and perceived credibility (PC). The finding of this study indicated that CSE has a positive effect on PU and PE of the Internet banking systems. Respondents' CSE was positively affecting their PC of the systems, indicating that the higher the ability of one in computer skills, the higher the security and privacy issues of PC will be concerned. The multiple regression analysis indicated that only two construct of TAM; PU and PC were significantly associated with BI. It was found that the future managers' CSE indirectly affects their BI to use the internet banking systems through PU and PC of TAM. TAM was found to have direct effects on respondents' BI to use the systems. Both CSE and the PU and PC of TAM were good predictors in understanding individual responses to information technology. The role of PE of the original TAM to predict the attitude of users towards the use of information technology systems was surprisingly insignificant.

The banking union and the financial and banking system reform in EU

Directory of Open Access Journals (Sweden)

Alina Ligia Dumitrescu

2013-04-01

Full Text Available Coordination among supervisors in financial and banking system is vital, but the financial crisis has shown that is not enough, and especially in the context of a single currency would require more common actions in EU. Therefore, the European Commission proposed “the creation of a banking union”, in order to place the banking sector on a more solid base and to restore confidence in the single currency, as part of a longer-term vision for the promotion of the economic and fiscal integration. Therefore, the new direction of the reform of the financial sector is "the creation of a banking union", that will help: to strengthen banks supervision, to ensure better deposits security, to recapitalize banks and last but not least to achieve the centralized management of the banking crises.

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

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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.

RESTRUCTURING OF BANKING - CONSEQUENCE TO THE MODERNIZATION OF THE CHANNEL MANAGEMENT

Directory of Open Access Journals (Sweden)

CIURLAU LOREDANA

2012-09-01

Full Text Available Any company, any economic-social system tends to develop and make permanent challenges coming from theenvironment in which there are and who is in a continuous transformation. For the banking system in Romania,adaptation to market requirements of the Union Europe is a challenge, but especially a necessity of maintaining a highstandard of professional development, to meet the competition. Getting a free market, in which "the game" is thecompetition, banks must consider very good ratio of profits that wish to obtain them and risks assumed, this report'smost prestigious efficiency of each banks as single entity or of the entire banking system, as a complex entity.In the context of the international financial crisis, the Romanian banking system can be characterized by acomfortable level of solvency and liquidity, you noticed a deterioration in the quality of assets and of posting a modestprofit as a result of stagnating lending activity.In the context of the implementation in Romania of prudential principles of the new Capital Accord (Basel IIwith regard to the calculation of capital requirements for credit institutions, the adoption of international financialreporting Standards at the consolidated level, as well as of ensuring convergence prudential reporting requirementswith those of financial reporting surveillance purposes, is taking over in the national law of standardized financialreporting framework on a consolidated basis (FINREP issued by the Committee of European banking supervisors(CEBS. It is intended to credit institutions that use accounting standards to IFRS in the preparation of consolidatedfinancial reporting.

ANALISIS KINERJA PERBANDINGAN BANK DEVISA BUMN DAN BANK DEVISA SWASTA PADA TAHUN 2006-2011

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Gatot Nazir Ahmad

2014-04-01

Full Text Available Comparative analysis of performance bank devisa BUMN and bank devisa Swasta. Thesis, Jakarta: Finance Concentration Management, Program Management, Department of Management, Faculty of Economics, University of Jakarta. Researchers aimed to determine the performance bank devisa BUMN and bank devisa Swasta by using the ratio Capital Asset Management (CAR, Return On Asset (ROA, Retrun On Equity (ROE, and Loan to Deposit Ratio (LDR. The samples used were four banks devisa BUMN and four banks devisa Swasta status go public. The data used in this study were obtained from the Annual Banking Financial report. The method of analysis used in this study is a descriptive analysis, test Outliers, and Normality Test Data Test different using paired sample t-test. The results of the analysis using a paired sample t-test between the results obtained bank devisa BUMN and bank devisa Swasta generally have a difference except for Capital Asset Ratio (CAR. The results of this study there was no difference between banks devisa BUMN and bank devisa Swasta. This study also shows that bank devisa Swasta have CAR greater than CAR bank devisa BUMN.

Customers’ adoption of electronic banking: An investigation on the commercial banking industry in Zimbabwe.

OpenAIRE

Makosana, Musa

2014-01-01

The advent of electronic banking offers banking firms a new frontier of opportunities and challenges. This study investigates how social factors, awareness, consumer perceptions and attitudes towards electronic banking influence the adoption of electronic banking in Zimbabwe. In Zimbabwe little is known and understood about the emergence of electronic banking, this is because electronic banking is new, and so consumer acceptance and use of electronic banking is still limited. This study has r...

Mechanisms of iron sensing and regulation in the yeast Saccharomyces cerevisiae.

Science.gov (United States)

Martínez-Pastor, María Teresa; Perea-García, Ana; Puig, Sergi

2017-04-01

Iron is a redox active element that functions as an essential cofactor in multiple metabolic pathways, including respiration, DNA synthesis and translation. While indispensable for eukaryotic life, excess iron can lead to oxidative damage of macromolecules. Therefore, living organisms have developed sophisticated strategies to optimally regulate iron acquisition, storage and utilization in response to fluctuations in environmental iron bioavailability. In the yeast Saccharomyces cerevisiae, transcription factors Aft1/Aft2 and Yap5 regulate iron metabolism in response to low and high iron levels, respectively. In addition to producing and assembling iron cofactors, mitochondrial iron-sulfur (Fe/S) cluster biogenesis has emerged as a central player in iron sensing. A mitochondrial signal derived from Fe/S synthesis is exported and converted into an Fe/S cluster that interacts directly with Aft1/Aft2 and Yap5 proteins to regulate their transcriptional function. Various conserved proteins, such as ABC mitochondrial transporter Atm1 and, for Aft1/Aft2, monothiol glutaredoxins Grx3 and Grx4 are implicated in this iron-signaling pathway. The analysis of a wide range of S. cerevisiae strains of different geographical origins and sources has shown that yeast strains adapted to high iron display growth defects under iron-deficient conditions, and highlighted connections that exist in the response to both opposite conditions. Changes in iron accumulation and gene expression profiles suggest differences in the regulation of iron homeostasis genes.

Effects of e-banking on growth of customer base in kenyan banks

OpenAIRE

Okibo, Bichanga Walter; Wario, Ali Yattani

2014-01-01

The study highlights the effects of E-banking services on growth of customer base in Kenyan banks for over the last five years. It addresses issues that affect effective utilization of E-banking facilities by customers. The study generally investigates how lack of technological know-how, illiteracy, unreliability, and transaction limits has hindered growth of on-line customer base in Kenyan banks. E-banking provides enormous benefits to consumers in terms of time saving and cost of transactio...

77 FR 60118 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-10-02

..., New York, New York 10045-0001: 1. Muhammad Habib, Kusnacht, Switzerland, and Hamza Habib, Dubai, U.A.E..., Switzerland, and thereby indirectly retain control of Habib American Bank, New York, New York. B. Federal...

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

Science.gov (United States)

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... AND OPERATIONS Corporate Practices § 7.2019 Loans secured by a bank's own shares. (a) Permitted... the bank's custody. (b) Use of capital notes and debentures. A national bank may not make loans...

Banking beyond banks and money a guide to banking services in the twenty-first century

CERN Document Server

Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas

2016-01-01

Do you know how banking and money will look like in the new digital age? This book collects the voices of leading scholars, entrepreneurs, policy makers and consultants who, through their expertise and keen analytical skills, are best positioned to picture from various angles the ongoing technological revolution in banking and finance. You will learn how lending and borrowing can exist without banks; how new forms of money can compete to better serve different society needs; how new technologies are banking the unbanked communities in the poorest parts of the world, and how ideas and small projects can be financed by the crowds without the need to rely upon banks. You will learn how, in the new digital age, we will interact with new self-organised and autonomous companies that operate without any human involvement, based on a set of programmed and incorruptible rules. You will learn that new business models will emerge thanks to technology-enabled platforms, upon which one can build new forms of non-hierarchi...

Pengaruh Pengumuman Likuidasi Bank Terhadap Minat Menarik Uang Dari Bank

OpenAIRE

Haribowo, Ignatius Novianto

2017-01-01

This study aims to examine the factors that influence a person to withdraw all or part of the money from the bank in liquidation of large banks case in Indonesia. This study uses the theory of Lewin to uncover factors that may influence a person to withdraw part or all of the money from the bank if there is a big bank liquidation. Based on Lewin's theory, there are two factors that can influence a person's decision, namely internal factors and external factors. Internal factors in this study ...

GenBank

OpenAIRE

Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Sayers, Eric W.

2008-01-01

GenBank? is a comprehensive database that contains publicly available nucleotide sequences for more than 300 000 organisms named at the genus level or lower, obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects. Most submissions are made using the web-based BankIt or standalone Sequin programs, and accession numbers are assigned by GenBank? staff upon receipt. Daily data exchange with the European Molecular Biology Labo...

EVALUASI PENERAPAN PENGUKURAN KINERJA BANK DENGAN PENDEKATAN BALANCED SCORECARD PADA BANK PAPUA (Persero)

OpenAIRE

TRI REJEKI, TALHA

2014-01-01

2014 ABSTRAK Evaluasi Penerapan Pengukuran Kinerja Bank Dengan Pendekatan Balanced Scorecard Pada Bank Papua (Persero). Evaluation of the Implementation of Bank Performance Measurement Balanced Scorecard Approach To Bank of Papua ( Persero ) . Talha Tri Rejeki Yulianus Sampe M. Christian Mangiwa Penelitian ini bertujuan untuk mengetahui gambaran kinerja Bank Papua Persero), Tbk dengan pendekatan balanced scorecard dari segi ...

The Consolidation on Banking Supervision in the Context of a Pan European Banking System

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Teodora Barbu

2007-03-01

Full Text Available The diversity of national banking systems in the European banking system and the absence of consolidated supervision creates the premises for a series of interrogations whose essence is the same: Is it possible to discuss about a Pan European Banking System? The starting point in answering this question was the efforts to create a single banking market, which took place in 1973-1999, and the impact of integration on the European Banking Industry. Among the most representative aspects, it must be emphasized the necessity of consolidating banking supervision at an European level, considering that the International Banking Community studies the problematic of banking regulations at a global level. The two dimensions of the prudential and European bank supervision device – the geographic and the institutional – demand the creation of a structural reform in order to ensure the functioning of a Pan European system of banking supervision and regulations. The considerations on the Consolidation of European Banking Supervision draws into discussion the Financial Supervision Authority which has generalized as an applicable model in numerous European countries and has been mentioned as an alternative of Pan European banking supervision. In the process of the integration of the banking sector, the Basel II Accord represents an opportunity in reaching a convergence of national regulations and practices in matters of risk management, considering that these actions are in line with the preoccupations of realizing a Pan European banking system. Thus, the creation of Pan European banking system involves actions in more directions: legal, institutional, operational meant to ensure the consolidation of banking supervision.

Performance of ALVAND 1. capacitor bank

International Nuclear Information System (INIS)

Torabi-fard, A.; Farahani, M.; Ebrani, M.; Rostami, R.; Daghighian, F.

1978-01-01

This report describes the specifications of the capacitor bank for the ALVAND I, Linear theta pinch experiment and the results of some tests performed on it. A one-meter-wide module includes the basic components such as capacitors, Spark gaps, and crowbar triggers. Complementary parts such as ground system, pressurised dry air system and safety system were added. With a rise-time of about three micro-seconds and a total current of six million amperes it is possible to produce ion temperature in excess of one kev for a few microseconds. Different probes were used to measure the magnetic field and the total current

BANKING UNION - ROMANIAN PERSPECTIVE

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Coroiu Sorina Ioana

2015-07-01

Full Text Available The financial crisis showed that banks were not able to face the loss, because there is no framework for a resolution, so that it intervened with money from taxpayers. So, it has been highlighted the need to update the regulations applicable to the banking sector. Creating a single supervisory mechanism in the fall of 2014 was a time reference point to achieve a banking union in Europe. Banking Union is one of the four foundations for a genuine Economic and Monetary Union. The paper’s purpose is to analyze the Banking Union structure, based on three pillars: (i The Single Supervisory Mechanism - the transfer of the main responsibility regarding banking supervision from national to European level, (ii The Single Resolution Mechanism - introduction of common provisions to ensure legal support required to manage bank failures problem, (iii The Deposit Guarantee Schemes - harmonization of deposit guarantee rules. These measures were adopted at European Union level to ensure the stability of the European banking system and to prevent future crises. Because countries that are not part of the euro area are not required to join the Banking Union, the dilemma of these countries lies in the decision to join the Banking Union quickly or to wait. It is the case of Romania, also, so, this paper analyze the opportunity of Romania's accession to the Banking Union before adopting the euro. There are analyzed the advantages and disadvantages of Romania's participation in the Banking Union, showing that, in the context of single currency introduction, Romania's participation is required. So far, there are reduced debates regarding the need, advantages and disadvantages of Romania's participation in the European Banking Union, the top representatives of the National Bank of Romania being among the few who expressed their views in public and published papers on the subject.

Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry

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El Mehdi Ferrouhi

2014-12-01

Full Text Available This paper aims to analyze the relationship between liquidity risk and financial performance of Moroccan banks and to define the determinants of bank’s performance in Morocco during the period 2001–2012. We first evaluate Moroccan banks’ liquidity positions through different liquidity and performance ratios then we apply a panel date regression to identify determinants of Moroccan banks performance. We use 4 bank’s performance ratios, 6 liquidity ratios and we analyze 5 specific determinants and 5 macroeconomic determinants of bank performance. Results show that Moroccan bank’s performance is mainly determined by 7 determinants: liquidity ratio, size of banks, logarithm of the total assets squared, external funding to total liabilities, share of own bank’s capital of the bank’s total assets, foreign direct investments, unemployment rate and the realization of the financial crisis variable. Banks’ performance depends positively on size of banks, on foreign direct investments and on the realization of the financial crisis and negatively on external funding to total liabilities, on share of own bank’s capital of the bank’s total assets and on unemployment rate while the dependence between bank performance and liquidity ratios and bank performance and logarithm of the total assets squared depend on the model used.

Risk Management Practices in Islamic Bank: A Case Study of Islami Bank Bangladesh Limited

OpenAIRE

Uddin, Md Akther

2015-01-01

Islamic banking industry has been growing rapidly for last three decades. As risk is inherent in banking business it is necessary to develop a comprehensive risk management framework and process. In this paper, a humble attempt has been made to study and analyze risk management practices of Islami Bank Bangladesh Limited (IBBL), one of the leading Islamic banks in Bangaladesh. Annual reports of IBBL and 7 other full-fledged Islamic banks, Bangladesh Bank, the central bank of Bangladesh, publi...

SEED BANKS FOR MAGNETIC FLUX COMPRESSION GENERATORS

Energy Technology Data Exchange (ETDEWEB)

Fulkerson, E S

2008-05-14

In recent years the Lawrence Livermore National Laboratory (LLNL) has been conducting experiments that require pulsed high currents to be delivered into inductive loads. The loads fall into two categories (1) pulsed high field magnets and (2) the input stage of Magnetic Flux Compression Generators (MFCG). Three capacitor banks of increasing energy storage and controls sophistication have been designed and constructed to drive these loads. One bank was developed for the magnet driving application (20kV {approx} 30kJ maximum stored energy.) Two banks where constructed as MFCG seed banks (12kV {approx} 43kJ and 26kV {approx} 450kJ). This paper will describe the design of each bank including switching, controls, circuit protection and safety.

Productive efficiency in the banking industry

Directory of Open Access Journals (Sweden)

Martín Leandro Dutto Giolongo

2016-07-01

Full Text Available The goal of this paper is to estimate the productive efficiency of Argentine banks. For this purpose, panel data of the universe of banks under the supervision of the Central Bank of the Republic of Argentina (BCRA has been collected. In order to build the bank´s indicators, we used a database of 66 institutions, with annual information for the period 2009-2013. The sources of information were both the BCRA´s web site (www.bcra.gov.ar, and the Buenos Aires Stock Exchange´s web site (www.bolsar.com. It has been selected an efficiency indicator ranging between 0 and 1, meaning the lowest and highest level of efficiency, respectively. The concept of efficiency used here is a relative one, because it considers a Bank´s performance in relation to the behavior of the best players in the industry, being the latter the base of the industry benchmark or frontier. The results show that the mean efficiency of Argentine banks is 0,8277 in the specific period under consideration. The comparison with the results of other studies relating efficiency and competitive pressure, didn´t allow us to infer that the Argentine banking industry experienced in the period a high level of competition

Assessment of the economic sanctions influence on the Russian banking system

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Dilyara F. Zakirova

2018-03-01

Full Text Available Objective to study the impact of economic sanctions on the key indicators of the liquidity and financial condition of the sanctioned banks of the Russian Federation by comparing them to the indicators of nonsanctioned credit institutions. Methods logical method method of comparative analysis statistical methods method of graphic images. Results the article examines the impact of economic sanctions on the Russian banking system. The sanctions affecting the Russian banking system are presented in chronological order. It is stated that the negative impact of the Western sanctions on the banking system is not denied. The authors analyze scientific works devoted to the effect of sanctions on Russian banks. The analysis revealed the absence of comprehensive studies of the effect of sanctions on the liquidity and financial condition of the sanctioned banks. For this assessment the authors analyzed the performance indicators of six sanctioned and six nonsanctioned Russian banks with the largest assets. It is proved that economic sanctions led to deterioration of the financial results of the sanctioned banks increased their dependence on the domestic interbank market and the funds from Bank of Russia. Other changes were mainly due to the overall economic situation internal policies of banks and the policy of the Bank of Russia not the sanctions. nbsp Scientific novelty the article for the first time basing on the comparative analysis of the main performance indicators of the sanctioned and nonsanctioned banks proved the impact of economic sanctions on the Russian banking system. However despite the banking sector adaptation to the existing conditions through their reorientation to the domestic market it should be noted that a certain tension ensuring the longterm liquidity is still preserved. The cost of the available longterm resources to be attracted remains relatively high which influences the financial results of the banking sector. Therefore without

The Effects of Foreign Bank Participation on the Turkish Banking System and Crisis

Directory of Open Access Journals (Sweden)

Suleyman Degirmen

2015-08-01

Full Text Available There is an assertion that the participation of foreign banks in emerging markets is often thought to improve overall bank soundness. Therefore, if the share of foreign banks in a national banking system is large, the system will quickly overcome both financial or currency crises, and quickly recover itself. Since Turkey has been experienced mentioned crises, the aim of this study is to reveal if the assertion is valid for Turkey. Our expectation from the study using VAR method is to reach a conclusion that countries with large market share of foreign banks have safely passed the crises by virtue of foreign banks’ best management policies. The test results indicate that foreign banks have more positive effect for helping TBS capital structure; foreign bank participation did not cause any decline in loans and last one, after crisis, existence of foreign banks worsens TBS’ liquidity in interest and exchange rate shocks.

International Islamic Banking

OpenAIRE

saleem, shahid

2007-01-01

The purpose of this exploratory and to some extent descriptive analysis is to highlight the Islamic banking & finance theory, and to explain the practical disparity all over the Muslim Umma along with commonalities of Islamic banking in them. Islamic banking has been now become a value proposition which transcends cultures and will do speedily in next decades despite of cutting throat competition expected in global banking scenario. The size of Islamic Financial Industry has now reached size ...

Islamic Banking in the West : the Need for Islamic Banking in the Uk

OpenAIRE

Alowd, Jehad; Wodie, Astede

2013-01-01

The Islamic banking system has gained momentum worldwide. The last two decades have witnessed the emergence of Islamic banking as a viable banking system. This study is designed to investigate the awareness, needs, and motives of Muslims towards Islamic Banking in the UK. The objectives of the study are as follow; to find out the motives and needs of Muslims in the UK towards Islamic banking, to test Muslim's attitudes towards some of the principles of Islamic banking, and to find out the lev...

Financing an efficient adaptation programme to climate change: A contingent valuation method tested in Malaysia

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Banna Hasanul

2016-03-01

Full Text Available This paper assesses farmers’ willingness to pay for an efficient adaptation programme to climate change for Malaysian agriculture. We used the contingent valuation method to determine the monetary assessment of farmers’ preferences for an adaptation programme. We distributed a structured questionnaire to farmers in Selangor, Malaysia. Based on the survey, 74% of respondents are willing to pay for the adaptation programme with several factors such as socio-economic and motivational factors exerting greater influences over their willingness to pay. However, a significant number of respondents are not willing to pay for the adaptation programme. The Malaysian government, along with social institutions, banks, NGOs, and media could come up with fruitful awareness programmes to motivate financing the programme. Financial institutions such as banks, insurances, leasing firms, etc. along with government and farmers could also donate a substantial portion for the adaptation programme as part of their corporate social responsibility (CSR.

Challenges Faced by Sudanese Banks in Implementing Online Banking: Bankers’ Perception

OpenAIRE

Nafis Alam; Ibrahim Hussien Musa Magboul; Murali Raman

2010-01-01

Innovations in Information technology have changed the way financial transactions are done in banking industry globally. Online banking uses today’s computer technology to give user the ability to manage their finances more quickly and efficiently, from anywhere around the world, and with just a click of the mouse. Banks perceive online banking as a powerful ‘value-added’ tool to attract and retain new customers while helping to eliminate costly paper handling and tell...

Magnitude and processes of bank erosion at a small stream in Denmark

DEFF Research Database (Denmark)

Veihe, Anita; Jensen, Niels H.; Schiøtz, Iris Gunia

2011-01-01

River banks are important sources of sediment and phosphorus to fluvial systems, and the erosion processes operating on the banks are complex and change over time. This study explores the magnitude of bank erosion on a cohesive streambank within a small channelized stream and studies the various...... (17Ð6–30Ð1 mm year-1) and total P content on the banks were relatively high, which makes the bank an important source of sediment and phosphorus to the stream, and it was estimated that 0Ð27 kg Ptot year-1 ha-1 may potentially be supplied to the stream from the banks. Yearly pin erosion rates...

Banking in Africa

NARCIS (Netherlands)

Beck, T.H.L.; Cull, R.; Berger, A.; Molyneux, P.; Wilson, J.

2014-01-01

This paper takes stock of the current state of banking systems across Sub-Saharan Africa and discusses recent developments including innovations that might help Africa leapfrog more traditional banking models. Using an array of different data, the paper documents that African banking systems are

Banks on Notice

Institute of Scientific and Technical Information of China (English)

无

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

Sensitivity Analysis Of Financing Demand In Syariah Banking

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DR. HJ. ROSYETTI

2017-11-01

Full Text Available This study aims to analyze the Sensitivity of Demand Financing in syariah banking with a focus on the elasticity of financing demand income elasticity and cross elasticity. The type of data used in this study is secondary data quantitative and time series obtained from the publication of BPS BI and OJK. The data analysis technique begins by estimating multiple linear regression equations using the Eviews Application further measuring the sensitivity using elasticity. The research variables consist of revenue gross domestic product and conventional bank interest rate as independent variables and demand for financing as a dependent variable. The results obtained for the results gross domestic product and interest rate of conventional banks simultaneously affect the demand for financing in Islamic banking with a significant level of 5 obtained probability value F statistic amp945 005. Partially revenue share and gross domestic product have a significant effect on demand for financing. While the variable interest rate of conventional banks partially does not have a significant effect on demand for financing in Islamic banking. The ability of the three independent variables to explain the dependent variable of 99.06 the rest of 0.04 influenced by other factors outside this study. The sensitive value of demand for financing in syariah banking during the observation period was 3.94 amp400P 1 so that it can be said that demand for financing in syariah banking is elastic. The elasticity of income demand for financing in syariah banking during the observation period of 3.08 amp400I 1 is categorized as luxuries goods. The cross elasticity value of financing demand in syariah banking during the observation period is 0.52 or positive amp400C 0 it can be categorized that the interest rate of a conventional bank is a substitute of profit sharing.

Banks and Banking Business in Russia in the Face of International Sanctions

Directory of Open Access Journals (Sweden)

Galina S. Panova

2016-01-01