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Sample records for active germplasm bank

  1. Maintenance of Brazilian Biodiversity by germplasm bank

    Directory of Open Access Journals (Sweden)

    Luciana C. Machado

    2016-01-01

    Full Text Available Abstract: Currently the importance of using alternative strategies for biodiversity conservation is emphasized and since the establishment of germplasm bank is an alternative to the conservation of endangered species. This is a technique of great importance for the maintenance of Brazilian fauna. Since the early70'sthere was a growing concern about the need to preserve essential genetic resources for food and agriculture, mainly for conservation of genetic material from farm animals. Thus was created the Brasilia Zoo, in July 2010, the first Germplasm Bank of Wild Animals in Latin America, as an alternative strategy for the conservation of threatened or endangered species, using both gametes and somatic cells and stem cells. Then we argue to create new banks or research networks among different regions with aimed to tissue preservation.

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

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    Flávia Barbosa Abreu

    2006-01-01

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

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

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    Yovany Moreno

    2007-02-01

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

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

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    Gabriella Sonnante

    2008-09-01

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

  5. Dietary antioxidant activities in different germplasms of Mucuna.

    Science.gov (United States)

    Uma, Sundaram; Gurumoorthi, Parameswaran

    2013-07-01

    Mucuna pruriens, an underutilized native legume of South India has been reported to have high levels of L-Dopa, and used in the treatment of Parkinson's disease. Cellular damage arising from reactive oxygen and nitrogen species is said to cause neurodegenerative disorders. Antioxidants could assuage this oxidative damage of tissue directly and/or indirectly by enhancing natural defenses and also scavenging the free radicals. In this context, the antioxidative potential of different germplasm of Mucuna species was analyzed. Assays were performed to evaluate the enzymatic and nonenzymatic antioxidants in the extracts. Methanolic extracts of Mucuna (black germplasm) yielded high levels dietary antioxidants viz., flavonoids, alkaloids, saponins, steroids and phlobotannins qualitatively. Tannins, total phenols, flavanoids, and steroids accounted for 13.60±1.8 tannic acid equivalents, 58.47±3.19 gallic acid equivalents, 23.7±3.12 quercetin equivalents, and 20.3±1.0 mg per 100 mg β-sitosterol equivalents, respectively. Percentage of scavenging activity against hydroxyl, superoxide anion, nitric oxide, and hydrogen peroxide radicals were 39.12%; 57.1%; 41.26%, and 25.68%, respectively. Reducing capacity (17.74%) was seen to concurrently increase with extract concentration. Catalase, glutathione reductase, and polyphenol oxidase activities were found to be 30.15; 26.6 and 42.5 μmol/mg of protein, respectively. The methanolic extract yielded the most potent levels of dietary antioxidants and exhibited high free-radical-scavenging activity. PMID:23875901

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

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    Maria Júlia Corazza-Nunes

    2006-09-01

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

  7. Active Drivers of Adoption of Internet Banking

    OpenAIRE

    Pankaj Yadav

    2016-01-01

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

  8. The Decline of Traditional Banking Activities

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    Gabriela Cornelia Piciu

    2011-05-01

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

  9. 12 CFR 225.131 - Activities closely related to banking.

    Science.gov (United States)

    2010-01-01

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

  10. 12 CFR 225.129 - Activities closely related to banking.

    Science.gov (United States)

    2010-01-01

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

  11. Active Risk Management and Banking Stability

    NARCIS (Netherlands)

    Silva Buston, C.F.

    2013-01-01

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

  12. SOCIAL ORIENTATION MANAGEMENT OF COMMERCIAL BANKS ACTIVITY

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    N. G. Shpankovskaya

    2010-06-01

    Full Text Available The modern theoretical approaches to definition of essence of social activity of enterprises are analyzed. The directions of development of social activity of commercial banks are determined. The expedience of formulation of mission of commercial banks and general requirements it must meet to is grounded.

  13. 12 CFR 225.123 - Activities closely related to banking.

    Science.gov (United States)

    2010-01-01

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

  14. Cotton Germplasm Collections:Opportunities and Challenges

    Institute of Scientific and Technical Information of China (English)

    PERCY Richard G

    2008-01-01

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

  15. Cotton Germplasm Collections:Opportunities and Challenges

    Institute of Scientific and Technical Information of China (English)

    PERCY; Richard; G

    2008-01-01

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

  16. Active Drivers of Adoption of Internet Banking

    Directory of Open Access Journals (Sweden)

    Pankaj Yadav

    2016-05-01

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

  17. Performance of Tunisian Banks Following Transformations of Banking Activities

    OpenAIRE

    Bassem Salhi; Younes Boujelbene

    2012-01-01

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

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

    OpenAIRE

    Mustiers, J P.; DuBois, A.

    2007-01-01

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

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

    OpenAIRE

    PILUZZA, Giovanna; SULAS, Leonardo; BULLITTA, Simonetta

    2014-01-01

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

  20. Analysis of banking activity by business line

    OpenAIRE

    E. Crété.

    2012-01-01

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

  1. 12 CFR 211.23 - Nonbanking activities of foreign banking organizations.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

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

    2016-01-01

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

  3. 12 CFR 225.126 - Activities not closely related to banking.

    Science.gov (United States)

    2010-01-01

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

  4. 12 CFR 204.122 - Secondary market activities of international banking facilities.

    Science.gov (United States)

    2010-01-01

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

  5. 12 CFR 980.2 - Limitation on Bank authority to undertake new business activities.

    Science.gov (United States)

    2010-01-01

    ... business activities. 980.2 Section 980.2 Banks and Banking FEDERAL HOUSING FINANCE BOARD NEW FEDERAL HOME LOAN BANK ACTIVITIES NEW BUSINESS ACTIVITIES § 980.2 Limitation on Bank authority to undertake new business activities. No Bank shall undertake any new business activity except in accordance with...

  6. [Financial aspects of tissue bank activities].

    Science.gov (United States)

    Gabrić, Nikica; Dekaris, Iva

    2007-12-01

    Nowadays, we are faced with increasing challenges in the field of tissue banking. New technologies and scientific advances have resulted in new standards designed by European Union in the form of Directives. Our ophthalmologists have also participated in this process, Professor Nikica Gabrić as member of the European Eye Bank Association Committee (1999-2005) and Associate Professor Iva Dekaris as member of the same Committee (2005-2006). Since this year, Associate Professor Iva Dekaris has been appointed actual vice-president and future president of this general European organization in charge of corneal tissue banking. She will hold the position for the next three years by automatism. New regulations made to enhance tissue banking in order to provide greater amount of safety and contentment for patients necessitate increased costs. Taking eye bank as an example, we showed financial problems that each tissue bank is faced with every day. Taking care of all the costs needed for processing human corneal tissue in Croatia that will be used for transplantation, we calculated approximate costs required for this process and compared them with other countries.

  7. Statistical assessment of quality of credit activity of Ukrainian banks

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    Moldavska Olena V.

    2013-03-01

    Full Text Available The article conducts an economic and statistical analysis of the modern state of credit activity of Ukrainian banks and main tendencies of its development. It justifies urgency of the statistical study of credit activity of banks. It offers a complex system of assessment of bank lending at two levels: the level of the banking system and the level of an individual bank. The use of the system analysis allows reflection of interconnection between effectiveness of functioning of the banking system and quality of the credit portfolio. The article considers main aspects of management of quality of the credit portfolio – level of troubled debt and credit risk. The article touches the problem of adequate quantitative assessment of troubled loans in the credit portfolios of banks, since the methodologies of its calculation used by the National Bank of Ukraine and international rating agencies are quite different. The article presents a system of methods of management of credit risk, both theoretically and providing specific examples, in the context of prevention of occurrence of risk situations or elimination of their consequences.

  8. Education for National Development: World Bank Activities.

    Science.gov (United States)

    Habte, Aklilu; Heyneman, Stephen

    1983-01-01

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

  9. Cord blood banking activity in Iran National Cord Blood Bank: a two years experience.

    Science.gov (United States)

    Jamali, Mostafa; Atarodi, Kamran; Nakhlestani, Mozhdeh; Abolghasemi, Hasan; Sadegh, Hosein; Faranoosh, Mohammad; Golzade, Khadije; Fadai, Razieh; Niknam, Fereshte; Zarif, Mahin Nikougoftar

    2014-02-01

    Today umbilical cord blood (UCB) has known as a commonly used source of hematopoietic stem cells for allogeneic transplantation and many cord blood banks have been established around the world for collection and cryopreservation of cord blood units. Herein, we describe our experience at Iran National Cord Blood Bank (INCBB) during 2 years of activity. From November 2010 to 2012, UCBs were collected from 5 hospitals in Tehran. All the collection, processing, testing, cryopreservation and storage procedures were done according to standard operation procedures. Total nucleated cells (TNC) count, viability test, CD34+ cell count, colony forming unit (CFU) assay, screening tests and HLA typing were done on all banked units. Within 3770 collected units, only 32.9% fulfilled banking criteria. The mean volume of units was 105.2 ml and after volume reduction the mean of TNC, viability, CD34+ cells and CFUs was 10.76×10(8), 95.2%, 2.99×10(6) and 7.1×10(5), respectively. One unit was transplanted at Dec 2012 to a 5-year old patient with five of six HLA compatibilities. In our country banking of UCB is new and high rate of hematopoietic stem cell transplants needs expanding CB banks capacity to find more matching units, optimization of methods and sharing experiences to improve biological characterization of units.

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

    OpenAIRE

    Senyshch Pavlo M.

    2014-01-01

    The article considers main approaches to identification of essence of legal instruments of regulation of development of the banking activity, identifies the mechanism of legal regulation of the banking activity and its elements and justifies the system and form of legal regulation of the banking activity in Ukraine. It describes subjects of legal regulation of the banking activity at the international level, which are the Basel Committee on Banking Supervision, European Central Bank, IMF, Int...

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

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    Jeiza Botelho Leal

    2008-07-01

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

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

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    M.K. LEWIS

    2013-12-01

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

  13. Marketing Activities of Polish Banks Evaluation Attempt

    OpenAIRE

    Grzegorczyk, Wojciech

    2013-01-01

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

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

    Science.gov (United States)

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

    2015-12-01

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

  15. 75 FR 8239 - Federal Home Loan Bank Housing Associates, Core Mission Activities and Standby Letters of Credit

    Science.gov (United States)

    2010-02-24

    ... 2590-AA33 Federal Home Loan Bank Housing Associates, Core Mission Activities and Standby Letters of... Home Loan Bank (Bank) housing associates, the Banks' core mission activities, and Bank issuance of... collection contained in the current Federal Home Loan Bank Housing Associates regulation, has been...

  16. 12 CFR 7.5001 - Electronic activities that are part of, or incidental to, the business of banking.

    Science.gov (United States)

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Ronaldo Biondo

    2007-06-01

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

  18. 12 CFR 584.2-2 - Permissible bank holding company activities of savings and loan holding companies.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Permissible bank holding company activities of savings and loan holding companies. 584.2-2 Section 584.2-2 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SAVINGS AND LOAN HOLDING COMPANIES § 584.2-2 Permissible bank holding...

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

    OpenAIRE

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

    2014-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Derly José Henriques Silva

    2001-07-01

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

  1. Bank Activity and Funding Strategies : The Impact on Risk and Return

    NARCIS (Netherlands)

    Demirgüc-Kunt, A.; Huizinga, H.P.

    2009-01-01

    This paper examines the implications of bank activity and short-term funding strategies for bank risk and return using an international sample of 1334 banks in 101 countries leading up to the 2007 financial crisis. Expansion into non-interest income generating activities such as trading increases th

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

    Directory of Open Access Journals (Sweden)

    Senyshch Pavlo M.

    2014-03-01

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

  3. Nuclear data activities at the NEA Data Bank

    International Nuclear Information System (INIS)

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

  4. The changing business activities of banks in Canada

    OpenAIRE

    Jim Armstrong

    1997-01-01

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

  5. Stimulating Investment Development through Transformation of State Banks Activity

    Directory of Open Access Journals (Sweden)

    Kulpinska Lidiya K.

    2013-12-01

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

  6. REGULATION AND SUPERVISION OF BANKING ACTIVITY IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Anisoara Niculina APETRI

    2015-04-01

    Full Text Available The main challenges currently faced by most central banks are generated by the effects of the economic and financial crisis. Thus, at the national, European and international level there is a trend of changing the economic governance structures and improving the regulatory and supervisory policies, focusing on macro-prudential oversight. In the context of changes at the European Union level, the central banks of the Member States become also subject to changes in their carried out actions. The objectives of this research aim mainly at: highlighting the role of the National Bank of Romania in regulating and supervising the banking system in Romania and analyzing the measures implemented by the National Bank of Romania after the crisis so far; identifying the challenges of the National Bank of Romania on the basis of changes operated by European Union at the supervisory framework level.

  7. 12 CFR 362.3 - Activities of insured State banks.

    Science.gov (United States)

    2010-01-01

    ... insurance company, provided that the savings bank life insurance company provides written disclosures to purchasers or potential purchasers of life insurance policies, other insurance products, and annuities that... insurance coverage for insured depository institutions. (B) Stock of savings bank life insurance company.......

  8. Fishing activities on the Dogger Bank 2006-2011

    NARCIS (Netherlands)

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

    2013-01-01

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

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

    OpenAIRE

    Walsh, Susan

    2002-01-01

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

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

    OpenAIRE

    Charles W. Calomiris; Doron Nissim

    2012-01-01

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

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

    OpenAIRE

    Ishchenko, I.

    2012-01-01

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

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

    OpenAIRE

    Emanuela Maria Avram; Iulia Furdui; Ioana Preda

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Aleksander Stańczak

    2014-08-01

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

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

    OpenAIRE

    Dr.D.S.Stamoulis

    2000-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Dmytro Kretov

    2015-11-01

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

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

    Directory of Open Access Journals (Sweden)

    Fedulov Vladislav Igorevich

    2011-10-01

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

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

    Science.gov (United States)

    Wang, John Z

    2002-10-01

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

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

    Directory of Open Access Journals (Sweden)

    Виктор Макарович Заернюк

    2013-04-01

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

  19. Lithuania : Banking System Assessment

    OpenAIRE

    World Bank

    2009-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Appah Ebimobowei

    2012-04-01

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

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

    OpenAIRE

    Public Relations Department

    2005-01-01

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

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

    OpenAIRE

    D'Amato Antonio; Giannizzari Rosaura

    2014-01-01

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

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

    Science.gov (United States)

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

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

    Directory of Open Access Journals (Sweden)

    PhD Gabriela Cornelia Piciu

    2013-06-01

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

  5. 12 CFR 347.206 - Domestic retail deposit activity requiring deposit insurance by U.S. branch of a foreign bank.

    Science.gov (United States)

    2010-01-01

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

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

    Institute of Scientific and Technical Information of China (English)

    Zili; DING; Minghua; YAO; Chunhai; JIAO

    2015-01-01

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

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

    OpenAIRE

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

    2008-01-01

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

  8. 30 CFR 57.3430 - Activity between machinery or equipment and the highwall or bank.

    Science.gov (United States)

    2010-07-01

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

  9. 30 CFR 56.3430 - Activity between machinery or equipment and the highwall or bank.

    Science.gov (United States)

    2010-07-01

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

  10. Iranian Breast Cancer Bio-Bank: the activity and challenging issues.

    Science.gov (United States)

    Majidzadeh-A, Keivan; Kaviani, Ahmad; Esmaeili, Rezvan; Farahmand, Leila; Shojamoradi, Mohammad Hossein; Zare, Ali Akbar; Eini, Leila; Abbasvandi, Fereshteh; Olfatbakhsh, Asieh; Moazen, Hadi

    2013-03-01

    The information gained from the Human Genome Project has facilitated molecular as well as cellular studies not only to find the origins of Breast Cancer (BC), but also to create novel, and effective treatments. In order to provide an infrastructure for local and international research in this area, Iranian Center for Breast Cancer (ICBC) has established a Bio-Bank (BB) for BC. This article describes the aim, structure, and activities in general, and the challenging issues confronting the bank as a model for the establishment of Bio-Banks in developing countries in particular. The methods employed by the Bank could be explained in the following categories: Blood and Tissue sampling, Preparation and Banking of collected Samples, Clinical and Histopathology data collection, Collaboration Protocol, Challenging issues, and the programs to confront the problems. During the five-year activity of the bank, 110 families were enrolled for genetic counseling, from whom 600 biologic samples were obtained, including 387 blood samples and 213 tissue samples. Of 387 blood samples, 317 (82%) were found to belong to the BC patients and the remaining 70 (18%) belonged to their available relatives. The number of samples increased over the study period partly as a result of the programs designed to confront the problems. During the study period, there were some finished research studies using the samples of BB, and many other studies which are still ongoing. ICBC-BB is a model of biologic sample banking which provides a significant number of biological samples for local and international collaborative research projects regarding molecular and cellular aspects of BC. In establishing the ICBC-BB we have experienced problems and challenges, some general and some local. Some were expected and others not, but we have identified solutions.

  11. Change of Coagulation Factor Ⅷ and Antithrombin Ⅲ Activity in Bank-Stored Blood

    Institute of Scientific and Technical Information of China (English)

    2000-01-01

    Coagulation factor Ⅷ and antithrombin Ⅲ activity were detected in 15 health donors. It was found that antithrombin Ⅲ activity decreased obviously 12 h after blood drawing. It lost 56 % of the activity at the 3rd day, and 70 % of the activity at the 7th day. FⅧ:c showed no obvious change after 24 h, until the 3rd day. It lost 40 %-60 % of the activity after 36 h and was reduced to the 30 % of the original activity at the 5th day. Our results suggested that at the 3rd day coagulation factor Ⅷ of bank-stored blood can be used to replenish antithrombin Ⅲ, while bank-stored blood in one day can be used to replenish FⅧ.

  12. Global view of cotton germplasm resources

    Science.gov (United States)

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

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

    Directory of Open Access Journals (Sweden)

    Trygub Olena V.

    2014-01-01

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

  14. A study on relationship between no-interest based activities on performance of Iranian banks

    Directory of Open Access Journals (Sweden)

    Alireza Daghighi Asl

    2012-10-01

    Full Text Available In this paper, we study the effects of no-interest activities on return of some Iranian banks over the period of 2006-2011 using Pearson correlation as well as regression analysis. The paper uses two independent variables where the first one is obtained as a difference between other no-interest incomes with commission fee and the second one is the commission fee income. There are three dependent variables including return on investment, return of assets and risk, leading us to setup three regressions analysis. The result of our survey indicates that no-interest based activities have meaningful effects on the performances of banks. In addition, there are some meaningful relationships among interest free activities, which are mostly in terms of negative relations.

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

    NARCIS (Netherlands)

    Boschma, Ron; Hartog, Matté

    2014-01-01

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

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

    OpenAIRE

    Chmutova Iryna M.; Maksimovа Maryna V.

    2014-01-01

    The article identifies order and content of stages of formation of the project team of introduction of financial controlling into banking activity. It offers a procedure of identification of the qualitative team composition, which envisages selection of candidates with the use of rules of fuzzy logical conclusion for assessing three groups of competences: personal (initiative, communication ability, creative ability, purposefulness and responsibility); common managerial (ability to work in a ...

  17. 12 CFR 7.3000 - Bank hours and closings.

    Science.gov (United States)

    2010-01-01

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

  18. FACTORES FINANCIEROS LOCALES INFLUYEN LAS ACTIVIDADES DE LOS BANCOS COOPERATIVOS GRIEGOS / LOCAL FINANCIAL FACTORS INFLUENCING ACTIVITIES OF GREEK COOPERATIVE BANKS

    Directory of Open Access Journals (Sweden)

    GEORGE KONTEOS

    2010-09-01

    Full Text Available Este artículo examina la influencia de las condiciones locales en las actividades bancarias centrandose en el caso de los 14 bancos cooperativos en Grecia durante el período 1999-2007. Estos bancos han sido seleccionados por su carácter local y en consecuencia, están más influenciadas por las condiciones locales, en comparación con los bancos con red nacional e incluso internacional. Las condiciones locales pueden ser endógenas y exógenas al banco. Las endógenas al banco es la red bancaria que se desarrolla a nivel local o regional asi como a los miembros de los bancos que son la parte principal de la clientela de estas. Una macroeconómica y exógena condición del banco es la cantidad de ahorros en la localidad donde opera. Las actividades bancarias que han sido examinadas incluyen los depósitos y los préstamos que constituyen la parte principal de las actividades bancarias de los bancos cooperativos en Grecia. El crecimiento de la red bancaria es el principal factor de aumento de las actividades del banco; el crecimiento de los miembros de las cooperativas y el aumento de las economías locales tienen una influencia positiva, pero menos importante en las actividades de los bancos cooperativos./This paper examines the influence of local conditions on banking activities focusing on the case of 14 cooperative banks in Greece for the period 1999-2007. These banks have been chosen because of their local character and consequently they are more influenced by local conditions in comparison to banks having a national and even international network. Local conditions could be endogenous and exogenous to the bank. The endogenous to the bank are the banking network developed locally or regionally, and the members of the banks who are the main part of the banks’ clientele. A macroeconomic and exogenous to the bank condition is the amount of savings in the prefecture in which the cooperative bank operates. The banking activities which have

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

    Directory of Open Access Journals (Sweden)

    Miguel Luiz Menezes FREITAS

    2008-06-01

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

  20. Genetic Diversity and Molecular Evolution of Chinese Waxy Maize Germplasm

    Science.gov (United States)

    Zheng, Hongjian; Wang, Hui; Yang, Hua; Wu, Jinhong; Shi, Biao; Cai, Run; Xu, Yunbi; Wu, Aizhong; Luo, Lijun

    2013-01-01

    Waxy maize (Zea mays L. var. certaina Kulesh), with many excellent characters in terms of starch composition and economic value, has grown in China for a long history and its production has increased dramatically in recent decades. However, the evolution and origin of waxy maize still remains unclear. We studied the genetic diversity of Chinese waxy maize including typical landraces and inbred lines by SSR analysis and the results showed a wide genetic diversity in the Chinese waxy maize germplasm. We analyzed the origin and evolution of waxy maize by sequencing 108 samples, and downloading 52 sequences from GenBank for the waxy locus in a number of accessions from genus Zea. A sharp reduction of nucleotide diversity and significant neutrality tests (Tajima’s D and Fu and Li’s F*) were observed at the waxy locus in Chinese waxy maize but not in nonglutinous maize. Phylogenetic analysis indicated that Chinese waxy maize originated from the cultivated flint maize and most of the modern waxy maize inbred lines showed a distinct independent origin and evolution process compared with the germplasm from Southwest China. The results indicated that an agronomic trait can be quickly improved to meet production demand by selection. PMID:23818949

  1. Conservation of Allium germplasm collection by cryopreservation

    OpenAIRE

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

    2012-01-01

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

  2. Diversity in global maize germplasm: Characterization and utilization

    Indian Academy of Sciences (India)

    B M Prasanna

    2012-11-01

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

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

    Directory of Open Access Journals (Sweden)

    Ilchenko Kseniia O.

    2014-01-01

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

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

    Science.gov (United States)

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

    2016-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Gabriel Dequigiovanni

    2012-01-01

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

  6. The Germplasm Bank of Wild Species,Southwest China

    Institute of Scientific and Technical Information of China (English)

    LI Dezhu; YANG Xiangyun; WANG Yuhua; CAI Jie

    2010-01-01

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

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

    OpenAIRE

    Ricardo J. Palomo Zurdo

    2008-01-01

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

  8. Analysis of Main Instruments of Crisis Regulation of Banking Activity During the Global Financial Crisis of 2008-2009

    OpenAIRE

    Afanasyeva, Olga

    2011-01-01

    This paper investigates the role and necessity of system of crisis management of banking activity in present-day conditions. Particular attention is paid to the crisis management that is realized on the level of government and central bank. An overview and comparison of major anti-crisis instruments both in Ukraine and foreign countries is given. The research pays special attention to importance of Asset management companies. It is stated that crisis regulation should have preventive characte...

  9. 12 CFR 7.1010 - Postal service by national bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Postal service by national bank. 7.1010 Section 7.1010 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1010 Postal service by national bank. (a) General. A national bank may...

  10. The effect of monetary policy of Central Bank on activities of Tehran Stock Exchange

    Directory of Open Access Journals (Sweden)

    Hossein Vazifehdust

    2013-08-01

    Full Text Available This paper examines the relationship between monetary policy and activity of the Tehran Stock Exchange. The statistical population of the research consists of all companies listed in Tehran Stock Exchange and central bank monetary policy variables including time series generated by the central bank seasonally. For the purpose of data analysis, econometric autoregressive system models, and two-stage ADF regression with unit roots test, co-integration and reliability were used to determine level of effect and type of effect of the four components of monetary policy on exchange activity. The results of this study show that there is a strong relation between share price index and monetary policy variables and between monetary policy variables and trading volume. However, the relation between monetary policy variables and cash yield index was not so strong, but monetary policy variables’ effect on stock exchange activity was acceptable considering strong relation between the two first variables. It is suggested that if this work is done using non-linear models, it will yield better results.

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

    Science.gov (United States)

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

    2015-01-01

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

  12. Esmeralda Bank: Geochemistry of an active submarine volcano in the Mariana Island Arc

    Science.gov (United States)

    Stern, Robert J.; Bibee, L. D.

    1984-05-01

    Esmeralda Bank is the southernmost active volcano in the Izu-Volcano-Mariana Arc. This submarine volcano is one of the most active vents in the western Pacific. It has a total volume of about 27 km3, rising to within 30 m of sea level. Two dredge hauls from Esmeralda recovered fresh, nearly aphyric, vesicular basalts and basaltic andesites and minor basaltic vitrophyre. These samples reflect uniform yet unusual major and trace element chemistries. Mean abundances of TiO2 (1.3%) and FeO* (12.6%) are higher and CaO (9.2%) and Al2O3 (15.1%) are lower than rocks of similar silica content from other active Mariana Arc volcanoes. Mean incompatible element ratios K/Rb (488) and K/Ba (29) of Esmeralda rocks are indistinguishable from those of other Mariana Arc volcanoes. On a Ti-Zr plot, Esmeralda samples plot in the field of oceanic basalts while other Mariana Arc volcanic rocks plot in the field for island arcs. Incompatible element ratios K/Rb and K/Ba and isotopic compositions of Sr (87Sr/86Sr=0.70342 0.70348), Nd (ɛND=+7.6 to +8.1), and O(δ18O=+5.8 to +5.9) are incompatible with models calling for the Esmeralda source to include appreciable contributions from pelagic sediments or fresh or altered abyssal tholeiite from subduction zone melting. Instead, incompatible element and isotopic ratios of Esmeralda rocks are similar to those of intra-plate oceanic islands or “hot-spot” volcanoes in general and Kilauean tholeiites in particular. The conclusion that the source for Esmeralda lavas is an ocean-island type mantle reservoir is preferred. Esmeralda Bank rare earth element patterns are inconsistent with models calling for residual garnet in the source region, but are adequately modelled by 7 10% equilibrium partial melting of spinel lherzolite. This is supported by consideration of the results of melting experiments at 20 kbars, 1,150° C with CO2 and H2O as important volatile components. These experiments further indicate that low MgO (4.1%), MgO/FeO*(0.25) and

  13. Agronomic Trait and Genetic Analysis of Latvian Flax Germplasm

    OpenAIRE

    Runģis, Dainis; Ļubinskis, Linards; Stramkale, Veneranda

    2015-01-01

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

  14. The competitive challenge in banking

    NARCIS (Netherlands)

    A.W.A. Boot; A. Schmeits

    2005-01-01

    The increasingly competitive environment poses challenges to bankers. This paper emphasizes relationship banking as a prime source of the banks' comparative advantage. The proliferation of transaction-oriented banking (trading and financial market activities) does however seriously challenge relatio

  15. [Biological activity of soils in the settlements of southern (Microtus rossiaemeridionalis) and bank (Clethrionomys glareolus) voles].

    Science.gov (United States)

    Manaeva, E S; Kostina, N V; Gorlenko, M V; Lomovtseva, N O; Umarov, M M

    2013-01-01

    The effect of southern (Microtus rossiaemeridionalis) and bank (Clethrionomys glareolus) voles on the biological activity of soddy-podzolic soil and culturozem has been studied. To estimate this effect, the activity of nitrogen and carbon transformation in the soil taken from the paths and different chambers of the holes of these rodents, as well as from the control plots where there were no voles, has been determined. The contents of organic carbon and nitrogen in the soil have been found. The parameters of functional diversity of the microbial community of soil have been studied. It has been noted that the effect of voles on the biological activity of the above soils manifested itself in increased intensity of aerobic and anaerobic destruction of organic matter and changes in the parameters of functional diversity of the microbial community of soils. PMID:24459855

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

    Directory of Open Access Journals (Sweden)

    Cintia A. Rincón-Hernández

    2011-06-01

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

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

    Directory of Open Access Journals (Sweden)

    RADULESCU MAGDALENA

    2014-05-01

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

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

    Directory of Open Access Journals (Sweden)

    Magda Florin-Mihai

    2013-04-01

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

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

    Institute of Scientific and Technical Information of China (English)

    DING Guangzhou; WANG Xiaowei

    2008-01-01

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

  20. Banking on Corporate Social Responsibility

    OpenAIRE

    Timothy Rice; Cyril Peter

    2015-01-01

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

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

    OpenAIRE

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

    2013-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Chmutova Iryna M.

    2014-01-01

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

  3. Public Germplasm Collections and Revolutions in Biotechnology

    Science.gov (United States)

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

  4. Variation for seed phytosterols in sunflower germplasm

    Science.gov (United States)

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

  5. Islamic Banking

    OpenAIRE

    BLÁHA, Jakub

    2014-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Mirosław Kłusek

    2009-01-01

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

  7. Mobile banking: near future of banking

    OpenAIRE

    Gentiana Gjino; Orkida Ilollari (Findiku)

    2014-01-01

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

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

    OpenAIRE

    Ali Sanayei; Arash Shahin; Hamideh Salimian

    2014-01-01

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

  9. Fishing activities on the Frisian Front and the Cleaver Bank; Historic developments and effects of management

    NARCIS (Netherlands)

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

    2013-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Geraldine Verplancke

    2011-06-01

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

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

    Directory of Open Access Journals (Sweden)

    Giuca Simona-Mihaela

    2014-07-01

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

  12. Online Banking on E-Commerce in India

    OpenAIRE

    Navpreet Kaur; Dr. Ashutosh Pathak

    2015-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Riccardo De Bonis

    2012-04-01

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

  14. The value of crop germplasm and value accounting system

    Institute of Scientific and Technical Information of China (English)

    WANG Xiaowei; DING Guangzhou; CHANG Ying

    2007-01-01

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

  15. Internet Banking

    Directory of Open Access Journals (Sweden)

    Felician ALECU

    2006-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Patrícia Coelho de S. Leão

    2010-12-01

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

  17. Cost leadership and bank internationalization

    OpenAIRE

    Galema, Rients; Koetter, Michael; Liesegang, Caroline

    2013-01-01

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

  18. Varying Impacts of Electronic Banking on the Banking Industry

    Directory of Open Access Journals (Sweden)

    Sali Bakare

    2015-08-01

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

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

    OpenAIRE

    Jie-Sheng Wang; Chen-Xu Ning

    2015-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Ticijan Peruško

    2011-02-01

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

  1. Identification of citrullus lanatus germplasm lines tolerant to clomazone herbicide

    Science.gov (United States)

    Clomazone herbicide is registered for use in watermelon; however, crop tolerance is marginal and the recommended use rates (0.07 to 0.1 kg ai ha-1) are lower for watermelon than for some other crops. In a greenhouse germplasm evaluation experiment including 56 germplasm accessions and watermelon cu...

  2. Citrullus Germplasm Lines Vary in Clomazone Herbicide Tolerance

    Science.gov (United States)

    Differences between Citrullus germplasm lines in clomazone injury were first observed when the herbicide was used for weed control in fields containing germplasm lines of watermelon breeding project at the U.S. Vegetable Laboratory, Charleston, SC. The objectives of this investigation were to asses...

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

    Science.gov (United States)

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

  4. Early, Prehospital Activation of the Walking Blood Bank Based on Mechanism of Injury Improves Time to Fresh Whole Blood Transfusion.

    Science.gov (United States)

    Bassett, Aaron K; Auten, Jonathan D; Zieber, Tara J; Lunceford, Nicole L

    2016-01-01

    Balanced component therapy (BCT) remains the mainstay in trauma resuscitation of the critically battle injured. In austere medical environments, access to packed red blood cells, apheresis platelets, and fresh frozen plasma is often limited. Transfusion of warm, fresh whole blood (FWB) has been used to augment limited access to full BCT in these settings. The main limitation of FWB is that it is not readily available for transfusion on casualty arrival. This small case series evaluates the impact early, mechanism-of-injury (MOI)-based, preactivation of the walking blood bank has on time to transfusion. We report an average time of 18 minutes to FWB transfusion from patient arrival. Early activation of the walking blood bank based on prehospital MOI may further reduce the time to FWB transfusion.

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

    OpenAIRE

    World Bank Group

    2014-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Riccardo De Bonis

    2000-12-01

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

  7. 12 CFR 5.35 - Bank service companies.

    Science.gov (United States)

    2010-01-01

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

  8. Essays in empirical banking

    NARCIS (Netherlands)

    Bai, Y.

    2015-01-01

    This dissertation consists of three essays on empirical banking. They study how do information and political activeness affect banks’ lending behavior, as well as the effect of lending relationship with banks on firms’ stock performance during interbank liquidity crunch. The first essay looks at a t

  9. Innovative strategies of bank

    Directory of Open Access Journals (Sweden)

    G.A Peresadko

    2012-03-01

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

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

    OpenAIRE

    Ahmad Z. Siam

    2009-01-01

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

  11. Russia’s Modern Banking Law

    OpenAIRE

    Dmitry V. Nefedov

    2014-01-01

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

  12. BANKING ETHICS: MAIN CONCEPTIONS AND PROBLEMS

    OpenAIRE

    VALENTINA FETINIUC; IVAN LUCHIAN

    2014-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Sujana A

    2015-08-01

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

  14. Lunar Gene Bank for Endangered Species

    Science.gov (United States)

    Swain, Ramakrushna

    2016-07-01

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

  15. 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...

  16. 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)...

  17. Banking Bank Charge Debates Continue

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

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

  18. Metabolism of Flavonoids in Novel Banana Germplasm during Fruit Development.

    Science.gov (United States)

    Dong, Chen; Hu, Huigang; Hu, Yulin; Xie, Jianghui

    2016-01-01

    Banana is a commercially important fruit, but its flavonoid composition and characteristics has not been well studied in detail. In the present study, the metabolism of flavonoids was investigated in banana pulp during the entire developmental period of fruit. 'Xiangfen 1,' a novel flavonoid-rich banana germplasm, was studied with 'Brazil' serving as a control. In both varieties, flavonoids were found to exist mainly in free soluble form and quercetin was the predominant flavonoid. The most abundant free soluble flavonoid was cyanidin-3-O-glucoside chloride, and quercetin was the major conjugated soluble and bound flavonoid. Higher content of soluble flavonoids was associated with stronger antioxidant activity compared with the bound flavonoids. Strong correlation was observed between antioxidant activity and cyanidin-3-O-glucoside chloride content, suggesting that cyanidin-3-O-glucoside chloride is one of the major antioxidants in banana. In addition, compared with 'Brazil,' 'Xiangfen 1' fruit exhibited higher antioxidant activity and had more total flavonoids. These results indicate that soluble flavonoids play a key role in the antioxidant activity of banana, and 'Xiangfen 1' banana can be a rich source of natural antioxidants in human diets. PMID:27625665

  19. Metabolism of Flavonoids in Novel Banana Germplasm during Fruit Development

    Science.gov (United States)

    Dong, Chen; Hu, Huigang; Hu, Yulin; Xie, Jianghui

    2016-01-01

    Banana is a commercially important fruit, but its flavonoid composition and characteristics has not been well studied in detail. In the present study, the metabolism of flavonoids was investigated in banana pulp during the entire developmental period of fruit. ‘Xiangfen 1,’ a novel flavonoid-rich banana germplasm, was studied with ‘Brazil’ serving as a control. In both varieties, flavonoids were found to exist mainly in free soluble form and quercetin was the predominant flavonoid. The most abundant free soluble flavonoid was cyanidin-3-O-glucoside chloride, and quercetin was the major conjugated soluble and bound flavonoid. Higher content of soluble flavonoids was associated with stronger antioxidant activity compared with the bound flavonoids. Strong correlation was observed between antioxidant activity and cyanidin-3-O-glucoside chloride content, suggesting that cyanidin-3-O-glucoside chloride is one of the major antioxidants in banana. In addition, compared with ‘Brazil,’ ‘Xiangfen 1’ fruit exhibited higher antioxidant activity and had more total flavonoids. These results indicate that soluble flavonoids play a key role in the antioxidant activity of banana, and ‘Xiangfen 1’ banana can be a rich source of natural antioxidants in human diets. PMID:27625665

  20. 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.

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

    Institute of Scientific and Technical Information of China (English)

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

    2008-01-01

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

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

    OpenAIRE

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

    2005-01-01

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

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

    Energy Technology Data Exchange (ETDEWEB)

    Felker, P.

    1980-01-01

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

  4. 12 CFR 362.8 - Restrictions on activities of insured state nonmember banks affiliated with certain securities...

    Science.gov (United States)

    2010-01-01

    ... appropriate limits on exposure, to govern its participation in financing transactions underwritten by an... affiliate of the bank; and (5) The bank complies with the investment and transaction limitations in...

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

    OpenAIRE

    Elijah Brewer; Jackson, William E.; Julapa Jagtiani

    2000-01-01

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

  6. Corporate Governance, Opaque Bank Activities, and Risk/Return Efficiency : Pre- and Post-Crisis Evidence from Turkey

    NARCIS (Netherlands)

    De Jonghe, O.G.; Disli, M.; Schoors, K.

    2011-01-01

    Does better corporate governance unambiguously improve the risk/return efficiency of banks? Or does either a re-orientation of banks' revenue mix towards more opaque products, an economic downturn, or tighter supervision create off-setting or reinforcing effects? The authors relate bank efficiency t

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

    Directory of Open Access Journals (Sweden)

    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.

  8. 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.

  9. International Taxation and Cross-Border Banking

    NARCIS (Netherlands)

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

    2011-01-01

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

  10. International taxation and cross-border banking

    NARCIS (Netherlands)

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

    2014-01-01

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

  11. Introduction and Utilization of INGER Rice Germplasm in China

    Institute of Scientific and Technical Information of China (English)

    TANGSheng-xiang; WEIXing-hua; ELJavier

    2004-01-01

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

  12. Introduction and Utilization of INGER Rice Germplasm in China

    Institute of Scientific and Technical Information of China (English)

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

    2004-01-01

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

  13. Banks Sparkle

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  14. Molecular Characterization of Opium Poppy (Papaver somniferum Germplasm

    Directory of Open Access Journals (Sweden)

    Hari Shanker Acharya

    2009-01-01

    Full Text Available Problem statement: The medicinal value of opium poppy (2n = 22, Papaver somniferum L. is due to presence of more than two dozen alkaloids. The genetic origin and diversity of cultivars used in the breeding collection is not fully known. To evaluate the genetic diversity of the 24 germplasm currently cultivated in the state to provide genetic information about heterogeneity, using RAPD and ISSR markers. Approach: Isolated genomic DNA was subjected to PCR amplification using either random or ISSR markers. The amplified fragments were scored and matrix was prepared. Jaccard similarity coefficients were calculated and dendogram was generated. Results: RAPD with 12 primers gave 46 scorable fragments out of which 32 bands were polymorphic (69.52% with 2.6 polymorphic band per primer, while in ISSR analysis 9 primer gave good amplification with DNA of 24 opium poppy germplasm. They gave 27 scorable polymorphic with 3.0 bends per primer. Dendrogram constructed revealed that the based on RAPD the germplasm cultivated comprised of one major group A and one minor group B, while two clusters of two germplasm each stands apart, on the basis of ISSR they fall into one major group A and one minor groups B, while one germplasm clusters of UOP-60 stands apart. Based on combined RAPD and ISSR analysis these germplasm were divided into 1 major group A and 3 minor group B, C, D whereas one genotype UOP-6 stood apart. Conclusion: These results showed that the majority of cultivated germplasm fall in one cluster and have low genetic diversity.

  15. BANKING ETHICS: MAIN CONCEPTIONS AND PROBLEMS

    Directory of Open Access Journals (Sweden)

    VALENTINA FETINIUC

    2014-10-01

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

  16. Advances in the preservation of insect germplasm

    International Nuclear Information System (INIS)

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

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

    Institute of Scientific and Technical Information of China (English)

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

    2007-01-01

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

  18. Assessment of Competition in the Banking Sector of Lithuania

    Directory of Open Access Journals (Sweden)

    Sandra Rimavičiūtė

    2014-04-01

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

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

    Energy Technology Data Exchange (ETDEWEB)

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

    1980-01-01

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

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

    International Nuclear Information System (INIS)

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

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

    Science.gov (United States)

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

    1998-12-01

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

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

    OpenAIRE

    RONG MA; SUSAN POZO

    2012-01-01

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

  3. Use of biotechnology in flax germplasm development

    International Nuclear Information System (INIS)

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

  4. URJC GB dataset: Community-based seed bank of Mediterranean high-mountain and semi-arid plant species at Universidad Rey Juan Carlos (Spain).

    Science.gov (United States)

    Alonso, Patricia; Iriondo, José María

    2014-01-01

    they are all active subcollections in continuous growth, data is updated regularly every six months and the latest version can be accessed through the GBIF data portal at http://www.gbif.es:8080/ipt/resource.do?r=germoplasma-urjc. This paper describes the URJC Germplasm Bank and its associated dataset with the aim of disseminating the dataset and explaining how it was derived.

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

    Science.gov (United States)

    Leicher, Veronika; Mulder, Regina H.

    2016-01-01

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

  6. Microsatellite variation in Avena sterilis oat germplasm.

    Science.gov (United States)

    Fu, Yong-Bi; Chong, James; Fetch, Tom; Wang, Ming-Li

    2007-04-01

    The Avena sterilis L. collection in the Plant Gene Resources of Canada (PGRC) consists of 11,235 accessions originating from 27 countries and is an invaluable source of genetic variation for genetic improvement of oats, but it has been inadequately characterized, particularly using molecular techniques. More than 35 accessions have been identified with genes for resistance to oat crown and stem rusts, but little is known about their comparative genetic diversity. This study attempted to characterize a structured sample of 369 accessions representing 26 countries and two specific groups with Puccinia coronata avenae (Pc) and Puccinia graminis avenae (Pg) resistance genes using microsatellite (SSR) markers. Screening of 230 SSR primer pairs developed from other major crop species yielded 26 informative primer pairs for this characterization. These 26 primer pairs were applied to screen all the samples and 125 detected alleles were scored for each accession. Analyses of the SSR data showed the effectiveness of the stratified sampling applied in capturing country-wise SSR variation. The frequencies of polymorphic alleles ranged from 0.01 to 0.99 and averaged 0.28. More than 90% of the SSR variation resided within accessions of a country. Accessions from Greece, Liberia, and Italy were genetically most diverse, while accessions from Egypt, Georgia, Ethiopia, Gibraltar, and Kenya were most distinct. Seven major clusters were identified, each consisting of accessions from multiple countries and specific groups, and these clusters were not well congruent with geographic origins. Accessions with Pc and Pg genes had similar levels of SSR variation, did not appear to cluster together, and were not associated with the other representative accessions. These SSR patterns are significant for understanding the progenitor species of cultivated oat, managing A. sterilis germplasm, and exploring new sources of genes for oat improvement.

  7. Star wars and strategic defense initiatives: work activity and health symptoms of unionized bank tellers during work reorganization.

    Science.gov (United States)

    Seifert, A M; Messing, K; Dumais, L

    1997-01-01

    Work activity and health symptoms of bank tellers whose work was undergoing reorganization were examined during a university-union study of the health effects of work in women's traditional jobs. Data were gathered through collective and individual interviews, analysis of work activity, and a questionnaire administered to 305 tellers. Employees worked in a standing posture over 80 percent of the time. More than two-thirds frequently suffered pain in back, legs, and feet. The average teller had been involved in 3.7 robberies as a direct victim and six as a witness. Work required feats of memory and concentration. In order to meet job demands, tellers engaged in supportive activities and teamwork. The introduction of individualized objectives threatened the employees' ability to collaborate and induced distress. More than twice as many tellers as other female workers in Québec experience psychological distress (Ilfeld scale), related to: robbery during the past two years (odds ratio = 1.7; confidence interval = 1.0-2.9); difficult relations with superiors (O.R. = 2.6; C.I. = 1.3-5.3); and full-time work (O.R. = 2.3; C.I. = 1.3-3.9). Diverse methods enriched the analysis, and union participation allowed the proposal of concrete correction measures.

  8. Fluid escape structures in the Graham Bank region (Sicily Channel, Central Mediterranean) revealing volcanic and neotectonic activity.

    Science.gov (United States)

    Spatola, Daniele; Pennino, Valentina; Basilone, Luca; Interbartolo, Francesco; Micallef, Aaron; Sulli, Attilio; Basilone, Walter

    2016-04-01

    In the Sicily Channel, (Central Mediterranean), two geodynamic processes overlap each other, the Maghrebides-Apennines accretionary prism and the Sicily Channel rift. Moreover, the northwestern sector (Banks sector) is characterised by an irregular seafloor morphology linked to the recent volcanic and tectonic activity.In order to discriminate the role exerted by both the processes in the morphostructural setting of the area we used a dataset of both high and very high resolution single-channel and multi-channel profiles, acquired in the frame of the RITMARE project respectively with CHIRP and sparker, and airgun sources, and high resolution (5 m cell) morpho-bathymetric data. The data allowed us to identify and characterise two areas where different geological features (sedimentary and volcanic) are prevailing. They present fluid escaping evidence, which often appears to be active and generating different types of morphologies (both positive and negative). In the western sector we recognised pockmarks at water depths of 195 to 317 m, with diameters from 25 to 580 m, depths from 1.3 to 15 m, and slope up to 23°. They show sub-circular shape in plan-view and reflectors with upward concavity in cross section, and are oriented along a NW-SE trend.The CHIRP and multichannel profiles highlight fluids that affect the Plio-Quaternary succession, especially in areas where the top surface of the Messinian succession is shallower. Conversely, wipe-out acoustic facies were recognised in proximity of: i) extensional faults of Mesozoic age with NW-SE trend; ii) dip/strike slip faults of Cenozoic age with NW-SE, N-S and about NNE-SSW trends, and iii) extensional neo-tectonic faults with NW-SE and NNW-SSE trends. We cannot exclude that they could feed the shallower reservoir producing a mixing between the two. In the eastern sector we recognised a cluster of volcanoes composed of seven cone-shaped structures (SCV1-7), pertaining to a wide area known as Graham Bank. A detailed

  9. 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.

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

    Directory of Open Access Journals (Sweden)

    Fadzlan SUFIAN

    2009-11-01

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

  11. Banking on Corporate Social Responsibility

    Directory of Open Access Journals (Sweden)

    Timothy Rice

    2015-10-01

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

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

    International Nuclear Information System (INIS)

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

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

    Energy Technology Data Exchange (ETDEWEB)

    Gomes, Mario Helder [Departamento de Engenharia Electrotecnica, Instituto Politecnico de Tomar, Quinta do Contador, Estrada da Serra, 2300 Tomar (Portugal); Saraiva, Joao Tome [INESC Porto, Faculdade de Engenharia, Universidade do Porto, Campus da FEUP, Rua Dr. Roberto Frias, 4200-465 Porto (Portugal)

    2009-06-15

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

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

    Directory of Open Access Journals (Sweden)

    Doroshenko Hanna O.

    2014-01-01

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

  15. Differences in marketing strategies of various types of banks

    OpenAIRE

    Safari Monireh

    2015-01-01

    Banks can be divided into three general groups of commercial banks, specialized banks, and interest- free banks depending on their activities. Due to the different nature of each of them and their activities, this study examines whether there is a fundamental difference in the type of their marketing strategies. In this regard, a variety of strategies for banking services were first examined, then differences in the application of these strategies in various banks were studied using Kruskal -...

  16. E-Banking in Malaysia: Opportunity and Challenges

    OpenAIRE

    Chai Lee Goi

    2005-01-01

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

  17. MANAGING BANK SERVICES QUALITY

    Directory of Open Access Journals (Sweden)

    Marijana Mandić

    2011-01-01

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

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

    Science.gov (United States)

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

  19. Notice of Release of NBR-1 Germplasm Basalt Milkvetch

    Science.gov (United States)

    Basalt milkvetch or threadstalk milkvetch (Astragalus filipes Torr. ex A. Gray) is a perennial legume that is widely distributed on rangelands in western North America and holds promise for rangeland revegetation and restoration programs. No germplasms or cultivars are commercially available for ba...

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

    Science.gov (United States)

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

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

    Science.gov (United States)

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

  2. Optimized scarification protocols improve germination of diverse Rubus germplasm

    Science.gov (United States)

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

  3. Characterization of saccharum species germplasm for starch content

    Science.gov (United States)

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

  4. Registration of EL54 and EL55 sugarbeet germplasms

    Science.gov (United States)

    EL54 (PI 654357) is a sugarbeet germplasm derived from wild beet (Beta vulgaris ssp. maritima) accession WB879 (PI 540625), released in the interest of broadening the genetic base of sugar beet. The parent accession WB879, collected in 1989 from Port-de-Houet, France. EL54 has shown excellent Aphan...

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

    Data.gov (United States)

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

  6. Anthracnose disease evaluation of sorghum germplasm from Honduras

    Science.gov (United States)

    Germplasm collections are important resources for sorghum improvement and 17 accessions from Honduras were inoculated with Colletotrichum sublineolum and evaluated at the Tropical Agriculture Research Station in Isabela, Puerto Rico during the 2005 and 2006 growing seasons to identify sources of ant...

  7. International Taxation and Cross-Border Banking

    OpenAIRE

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

    2011-01-01

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

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

    Institute of Scientific and Technical Information of China (English)

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

    2009-01-01

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

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

    OpenAIRE

    Nwobodo, Jude Chimezie

    2011-01-01

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

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

    OpenAIRE

    Lepetit, Laetitia; Tarazi, Amine; Zedek, Nadia

    2012-01-01

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

  11. Research Experience for Teachers at NRAO-Green Bank: Planning for Cometary Observations with the Green Bank Telescope and Its Application to Chemistry Classroom Activities

    Science.gov (United States)

    Hynes, Christopher; Lockman, F. J.; Lovell, A.

    2010-01-01

    The NSF-funded "Research Experience for Teachers" project provides teachers an opportunity to work on a current scientific or engineering research project. This paper will describe the development of a Python program as a further expansion of a previous mathematical model3 designed to simulate cometary data collected by the Green Bank Telescope (GBT). The program allows for user interaction to change parameters such as the comet's distance from the sun, the rate of production of gaseous outflows, lifetime of these gaseous particles and maximum limit for how many gas particles are generated. Furthermore this paper will present results of how students can write their own Python programming code to manipulate these parameters to generate velocity profiles of the out gassed chemical species. Students should be enlightened that Science can be cross disciplinary. Several concepts in Chemistry: sublimation, electromagnetic spectrum, quantum mechanics, gas behavior and chemical kinetics play an important role in the formation of a comet cloud and how that cloud could be observed using radio astronomy. Chemical species such as HCN, CS and HCO+1 have been observed in cometary clouds. The chemical composition of the cloud and its size are a function of its distance from the sun and the radial location from the center of the comet cloud. High-school students at the Louisiana School for Math, Science and the Arts, LA will learn Python programming language to create a mathematical model of a cometary cloud. The students will have formulated models for rate of sublimation, rate of photo-dissociation, and velocity of gas particles as the fundamental framework to determine frequencies and intensities of the molecular spectra. The students will be able to manipulate their code to create various comet cloud scenarios as it might be observed by the GBT.

  12. Release of EL54 Sugarbeet Germplasm Derived from WB879 Wild Germplasm With Resistance to Aphanomyces and Excellent Stand Establishment

    Science.gov (United States)

    EL54 (PI 654357) is a sugarbeet germplasm derived from wild beet (Beta vulgaris ssp. maritima) accession WB879 (PI 540625). EL54 is being released in the interest of broadening the genetic base of sugar beet. The parent accession WB879, collected in 1989 from Port-de-Houet, France (3 m elevation), w...

  13. Bank capital management : International evidence

    NARCIS (Netherlands)

    De Jonghe, O.G.; Öztekin, Ö.

    2015-01-01

    We examine the dynamic behavior of bank capital using a global sample of 64 countries during the 1994-2010 period. Banks achieve deleveraging through active capital management (equity growth) rather than asset liquidation. In contrast, they achieve leveraging through passive capital management (redu

  14. QUALITY MANAGEMENT IN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Micuda Ion Dan

    2009-05-01

    Full Text Available Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition improvement. Banks being aware of the quality problems also lead to the appearance and requirement of

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

    Directory of Open Access Journals (Sweden)

    M. Marimuthu M

    2015-07-01

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

  16. The Impact of US and CGIAR Germplasm on Maize Production in China

    Institute of Scientific and Technical Information of China (English)

    LI Hai-ming; HU Rui-fa; ZHANG Shi-huang

    2006-01-01

    Wide adoption of a few kinds of homogeneous germplasm would reduce crop genetic diversity, increase crop vulnerability to stresses, and reduce the stability of crop production. The introduction and utilization of foreign germplasm is a sustainable solution for broadening the genetic diversity and promoting periodical replacement of varieties. The genetic contribution and economic impact of foreign germplasm, particularly those of US and CGIAR (Consultative Group on International Agricultural Research, referred to as the CG system) materials, on China's maize production are evaluated on the basis of an analysis of variety pedigree information from 20 major maize-producing provinces in China from 1982 to 1997. The results indicated that the contribution of US and CG germplasm to Chinese maize production continues to increase, particularly CG germplasm, which has shown a rapid increasing trend since the 1990s. If the genetic contribution of US germplasm is increased by 1%, maize yield will gain by 0.2% (0.01 t ha-1). If contribution of CG germplasm, which has greater production potential, is increased by 1%, maize yield will gain by 0.025 t ha-1. A policy should be implicated by the government in this direction to encourage breeders to focus more on the use and improvement of CG germplasm. The US germplasm has been utilized extensively in China so that it can offer germplasm resources for maize breeding efforts.

  17. Model for the Assessment of the Effectiveness of the Banking Supervision Activity

    Directory of Open Access Journals (Sweden)

    Nicolae DARDAC

    2011-05-01

    Full Text Available The financial crisis has revealed a series of weaknesses and gaps of the supervision of the financial system. The conclusions of the different reports aiming to discover the causes of the crisis, that were prepared by organizations and authorities with prerogatives in this field, were followed by the initiative of reforming the architecture of the supervision at the EU level and of reviewing the regulatory framework related to the areas for which significant vulnerabilities had been identified. In order to avoid repeating such episodes, which represent a peril for the maintenance of the financial stability, the completion of these steps is required, through the efforts of the national supervisory authorities, which have to contribute to the enhancement of the effectiveness of their activity. Thus, the rigorous assessment of the supervisory activity’s effectiveness becomes necessary, which represents, in our opinion, a precondition for adopting those strategic decisions which would lead to the achievement of the desired objective, that is, to ensuring the stability of the financial system.

  18. Online Banking on E-Commerce in India

    Directory of Open Access Journals (Sweden)

    Navpreet Kaur

    2015-04-01

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

  19. 12 CFR 5.37 - Investment in bank premises.

    Science.gov (United States)

    2010-01-01

    ... as defined in 12 CFR part 6 and will continue to be well capitalized after the investment or loan is... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Investment in bank premises. 5.37 Section 5.37... PROCEDURES FOR CORPORATE ACTIVITIES Expansion of Activities § 5.37 Investment in bank premises. (a)...

  20. 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...

  1. Determinants and Outcomes of Internet Banking Adoption

    OpenAIRE

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

    2011-01-01

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

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

    Institute of Scientific and Technical Information of China (English)

    CHEN Liang; WANG Ping-sheng; Yamaguchi Satoshi

    2002-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Ermis Yanes Paz

    2012-01-01

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

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

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2014-10-01

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

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

    OpenAIRE

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

    2014-01-01

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

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

    OpenAIRE

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

    2013-01-01

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

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

    OpenAIRE

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

    1997-01-01

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

  8. S-Genotype Profiles of Turkish Apricot Germplasm

    OpenAIRE

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

    2016-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Carolina Martín

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

  10. 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…

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

    International Nuclear Information System (INIS)

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

  12. Assessment of Correspondent Banks Case Study

    Directory of Open Access Journals (Sweden)

    Abeer F.A.A. Abbadi

    2011-01-01

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

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

    Science.gov (United States)

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

    2015-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Sherry R Jacob

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

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

    Science.gov (United States)

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

    2015-01-01

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

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

    Directory of Open Access Journals (Sweden)

    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.

  17. Ist die Bank der Zukunft eine Bank?

    OpenAIRE

    Spremann, Klaus

    1997-01-01

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

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

    Institute of Scientific and Technical Information of China (English)

    De-Liang Wang; Jian-Guo Wang; Xiao-Bo Dong

    2009-01-01

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

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

    Institute of Scientific and Technical Information of China (English)

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

    2009-01-01

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

  20. Interest and Hazard Rates of Russian Saving Banks

    NARCIS (Netherlands)

    M.A. Carree (Martin)

    2000-01-01

    textabstractThe number of (registered) commercial banks in Russia increased at a fast pace after the 1988 banking reform. Many of these banks lacked supervision and operated with dangerously low funding capital. In this paper we investigate the determinants of the hazard rates of banks active on the

  1. E-Banking in Malaysia: Opportunity and Challenges

    Directory of Open Access Journals (Sweden)

    Chai Lee Goi

    2005-12-01

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

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

    Directory of Open Access Journals (Sweden)

    Vladymyr, Olha Mykhajlivna

    2014-05-01

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

  3. Banking Competition and Economic Stability

    OpenAIRE

    Ronald Fischer; Nicolás Inostroza; Felipe J. Ramírez

    2013-01-01

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

  4. Pedigree and Germplasm Base of Inbreds of the Lancaster Heterotic Group of Maize in China

    Institute of Scientific and Technical Information of China (English)

    ZHENG Da-hao; LI Yan-ru; JIN Feng-xue; JIANG Ji-jian

    2002-01-01

    Lancaster Surecrop (LSC) germplasm in inbreds of the Lancaster heterotic group in China was mainly provided by the two inbreds Mo17 and Oh43. Furthermore, the source of LSC germplasm was severely restricted in two inbreds, C103 and Oh40B. The contents of LSC germplasm are 50% or less in inbreds of the group, with the existence of more than 20 non-LSC germplasms that results in the abundant genetic diversity in the group. Most inbreds of Mo17 subgroup contain 25 % - 50 % LSC, 12.5 % - 25 % Reid Yellow Dent (RYD)and 12.5% - 25% Iowa Goldmine germplasms in the ratio of 2:1:1, and most inbreds of Zi330 subgroup contain 12.5%-25% LSC, 6.25%- 12.5% RYD, 6.25%- 12.5% Minnesota # 13 and 25%- 50% Creole germplasms in the ratio of 2:1:1: 4. All the facts indicated that the germplasm base of the Lancaster heterotic group has stupendously changed and evolved away from actual LSC germplasm.

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

    Science.gov (United States)

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

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

    Science.gov (United States)

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

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

    Institute of Scientific and Technical Information of China (English)

    Chen Xin; Peerasak Srinives

    2006-01-01

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

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

    Science.gov (United States)

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

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

    OpenAIRE

    Ruan, Danyue

    2012-01-01

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

  10. Crowdfunding: disintermediated investment banking

    OpenAIRE

    Rubinton, Brian J

    2011-01-01

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

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

    OpenAIRE

    Iuga Iulia

    2010-01-01

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

  12. Multinational banks and development finance

    OpenAIRE

    Christian E. Weller; Scher, Mark J.

    1999-01-01

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

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

    Institute of Scientific and Technical Information of China (English)

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

    2014-01-01

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

  14. External indebtedness of Croatian banks

    Directory of Open Access Journals (Sweden)

    Antun Jurman

    2005-06-01

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

  15. Current trends of banking innovations

    Directory of Open Access Journals (Sweden)

    A.M. Karminskiy

    2013-06-01

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

  16. DEVELOPING THE iPBS STRATEGY FOR YAKON GERMPLASM EVALUATION

    OpenAIRE

    Jana Žiarovská; Eloy C. Fernández; Milan Bežo

    2013-01-01

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

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

    Institute of Scientific and Technical Information of China (English)

    WANG Jiurui; LIU Ling; LIU Mengjun; ZHOU Junyi

    2007-01-01

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

  18. Operational risk and e-banking

    Directory of Open Access Journals (Sweden)

    Şerbu, R.

    2010-12-01

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

  19. Internet Banking System Prototype

    CERN Document Server

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

    2010-01-01

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

  20. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

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

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

    Directory of Open Access Journals (Sweden)

    Igor Tomičić

    2012-12-01

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

  2. 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

  3. Exploring and Mobilizing the Gene Bank Biodiversity for Wheat Improvement

    Science.gov (United States)

    Sehgal, Deepmala; Vikram, Prashant; Sansaloni, Carolina Paola; Ortiz, Cynthia; Pierre, Carolina Saint; Payne, Thomas; Ellis, Marc; Amri, Ahmed; Petroli, César Daniel; Wenzl, Peter; Singh, Sukhwinder

    2015-01-01

    Identifying and mobilizing useful genetic variation from germplasm banks to breeding programs is an important strategy for sustaining crop genetic improvement. The molecular diversity of 1,423 spring bread wheat accessions representing major global production environments was investigated using high quality genotyping-by-sequencing (GBS) loci, and gene-based markers for various adaptive and quality traits. Mean diversity index (DI) estimates revealed synthetic hexaploids to be genetically more diverse (DI= 0.284) than elites (DI = 0.267) and landraces (DI = 0.245). GBS markers discovered thousands of new SNP variations in the landraces which were well known to be adapted to drought (1273 novel GBS SNPs) and heat (4473 novel GBS SNPs) stress environments. This may open new avenues for pre-breeding by enriching the elite germplasm with novel alleles for drought and heat tolerance. Furthermore, new allelic variation for vernalization and glutenin genes was also identified from 47 landraces originating from Iraq, Iran, India, Afghanistan, Pakistan, Uzbekistan and Turkmenistan. The information generated in the study has been utilized to select 200 diverse gene bank accessions to harness their potential in pre-breeding and for allele mining of candidate genes for drought and heat stress tolerance, thus channeling novel variation into breeding pipelines. This research is part of CIMMYT’s ongoing ‘Seeds of Discovery’ project visioning towards the development of high yielding wheat varieties that address future challenges from climate change. PMID:26176697

  4. Exploring and Mobilizing the Gene Bank Biodiversity for Wheat Improvement.

    Science.gov (United States)

    Sehgal, Deepmala; Vikram, Prashant; Sansaloni, Carolina Paola; Ortiz, Cynthia; Pierre, Carolina Saint; Payne, Thomas; Ellis, Marc; Amri, Ahmed; Petroli, César Daniel; Wenzl, Peter; Singh, Sukhwinder

    2015-01-01

    Identifying and mobilizing useful genetic variation from germplasm banks to breeding programs is an important strategy for sustaining crop genetic improvement. The molecular diversity of 1,423 spring bread wheat accessions representing major global production environments was investigated using high quality genotyping-by-sequencing (GBS) loci, and gene-based markers for various adaptive and quality traits. Mean diversity index (DI) estimates revealed synthetic hexaploids to be genetically more diverse (DI= 0.284) than elites (DI = 0.267) and landraces (DI = 0.245). GBS markers discovered thousands of new SNP variations in the landraces which were well known to be adapted to drought (1273 novel GBS SNPs) and heat (4473 novel GBS SNPs) stress environments. This may open new avenues for pre-breeding by enriching the elite germplasm with novel alleles for drought and heat tolerance. Furthermore, new allelic variation for vernalization and glutenin genes was also identified from 47 landraces originating from Iraq, Iran, India, Afghanistan, Pakistan, Uzbekistan and Turkmenistan. The information generated in the study has been utilized to select 200 diverse gene bank accessions to harness their potential in pre-breeding and for allele mining of candidate genes for drought and heat stress tolerance, thus channeling novel variation into breeding pipelines. This research is part of CIMMYT's ongoing 'Seeds of Discovery' project visioning towards the development of high yielding wheat varieties that address future challenges from climate change.

  5. Exploring and Mobilizing the Gene Bank Biodiversity for Wheat Improvement.

    Directory of Open Access Journals (Sweden)

    Deepmala Sehgal

    Full Text Available Identifying and mobilizing useful genetic variation from germplasm banks to breeding programs is an important strategy for sustaining crop genetic improvement. The molecular diversity of 1,423 spring bread wheat accessions representing major global production environments was investigated using high quality genotyping-by-sequencing (GBS loci, and gene-based markers for various adaptive and quality traits. Mean diversity index (DI estimates revealed synthetic hexaploids to be genetically more diverse (DI= 0.284 than elites (DI = 0.267 and landraces (DI = 0.245. GBS markers discovered thousands of new SNP variations in the landraces which were well known to be adapted to drought (1273 novel GBS SNPs and heat (4473 novel GBS SNPs stress environments. This may open new avenues for pre-breeding by enriching the elite germplasm with novel alleles for drought and heat tolerance. Furthermore, new allelic variation for vernalization and glutenin genes was also identified from 47 landraces originating from Iraq, Iran, India, Afghanistan, Pakistan, Uzbekistan and Turkmenistan. The information generated in the study has been utilized to select 200 diverse gene bank accessions to harness their potential in pre-breeding and for allele mining of candidate genes for drought and heat stress tolerance, thus channeling novel variation into breeding pipelines. This research is part of CIMMYT's ongoing 'Seeds of Discovery' project visioning towards the development of high yielding wheat varieties that address future challenges from climate change.

  6. 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...

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

    Energy Technology Data Exchange (ETDEWEB)

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

    1998-08-01

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

  8. Evaluation of high yielding soybean germplasm under water limitation

    Institute of Scientific and Technical Information of China (English)

    Silvas J. Prince; Henry T. Nguyen; Mackensie Murphy; Raymond N. Mutava; Zhengzhi Zhang; Na Nguyen; Yoon Ha Kim; Safiullah M. Pathan; Grover J. Shannon; Babu Valliyodan

    2016-01-01

    Limited information is available for soybean root traits and their plasticity under drought stress. To date, no studies have focused on examining diverse soybean germ-plasm for regulation of shoot and root response under water limited conditions across varying soil types. In this study, 17 genetically diverse soybean germplasm lines were selected to study root response to water limited conditions in clay (trial 1) and sandy soil (trial 2) in two target environments. Physiological data on shoot traits was measured at multiple crop stages ranging from early vegetative to pod filling. The phenotypic root traits, and biomass accumulation data are collected at pod filling stage. In trial 1, the number of lateral roots and forks were positively correlated with plot yield under water limitation and in trial 2, lateral root thickness was positively correlated with the hill plot yield. Plant Introduction (PI) 578477A and 088444 were found to have higher later root number and forks in clay soil with higher yield under water limitation. In sandy soil, PI458020 was found to have a thicker lateral root system and higher yield under water limitation. The genotypes identified in this study could be used to enhance drought tolerance of elite soybean cultivars through improved root traits specific to target environments.

  9. 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

    OpenAIRE

    Aditya Wardhana

    2015-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Saeed Rauf

    2012-04-01

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

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

    Directory of Open Access Journals (Sweden)

    Aykut Arslan

    2012-07-01

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

  12. Seed banks in a degraded desert shrubland: Influence of soil surface condition and harvester ant activity on seed abundance

    Science.gov (United States)

    DeFalco, L.A.; Esque, T.C.; Kane, J.M.; Nicklas, M.B.

    2009-01-01

    We compared seed banks between two contrasting anthropogenic surface disturbances (compacted, trenched) and adjacent undisturbed controls to determine whether site condition influences viable seed densities of perennial and annual Mojave Desert species. Viable seeds of perennials were rare in undisturbed areas (3-4 seeds/m2) and declined to harvester ant explained annual seed densities better than any other surface characteristics that were examined. Surface disturbances can have a varied impact on the condition of the soil surface in arid lands. Nevertheless, the consistently positive relationship between ground cover of litter and viable seed density emphasizes the importance of litter as an indicator of site degradation and recovery potential in arid lands.

  13. Internationalization of banks : The consumer perspective

    OpenAIRE

    Olsson, Kristina; Gankhuyag, Tsolmon

    2008-01-01

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

  14. Financial intermediation beyond the banks: recent developments

    OpenAIRE

    Clive Thorp

    2003-01-01

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

  15. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Wulanmas Frederik

    2012-01-01

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

  17. Selling Failed Banks

    OpenAIRE

    Joao Granja; Gregor Matvos; Amit Seru

    2014-01-01

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

  18. Banking service in Germany

    Institute of Scientific and Technical Information of China (English)

    余璐

    2014-01-01

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

  19. Banking Around the World

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

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

  20. Oman; Banking Sector Resilience

    OpenAIRE

    Ananthakrishnan Prasad; Pierluigi Bologna

    2010-01-01

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

  1. 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...... 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....

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

    OpenAIRE

    Purwaningsih, Anna

    2015-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Ali Sanayei

    2014-01-01

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

  4. 作业成本法在我国商业银行中应用的探讨%Discussion on Applying of Activity-based Costing in the Commercial Banks of China

    Institute of Scientific and Technical Information of China (English)

    吴凡; 常路; 周碧波

    2011-01-01

    Activity-based Costing has been applied in the commercial banks of China in the essay.And the contrasting Activity-based Costing and traditional Costing has been analyzed in the example of the affair of silver draft acceptance in credit department of a commercial bank.%本文将作业成本法应用于我国商业银行,并以某商业银行信贷部银票承兑业务为案例,将作业成本法与传统成本计算法进行了对比分析.

  5. DEVELOPING THE iPBS STRATEGY FOR YAKON GERMPLASM EVALUATION

    Directory of Open Access Journals (Sweden)

    Jana Žiarovská

    2013-02-01

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

  6. Screening for Rice Germplasms with Specially-Elongated Mesocotyl

    Institute of Scientific and Technical Information of China (English)

    WU Ming-guo; ZHANG Guang-heng; LIN Jian-rong; CHENG Shi-hua

    2005-01-01

    The lengths of mesocotyl in the seedlings of 84 lowland rice varieties and 12 upland rice varieties were measured following the treatments of daylight and darkness during germination. The elongation of mesocotyl in the varieties tested was inhibited under daylight condition, and the mesocotyl of all the varieties elongated variably under darkness condition. The elongated lengths of the mesocotyl in upland rice, ranging from 0.36 cm to 1.61 cm with an average of 0.81 cm, was obviously longer than those in lowland rice, ranging from 0.12 cm to 1.56 cm with an average of 0.42 cm. Among 14 rice varieties with over 1 cm of mesocotyl length, five belonged to upland rice, and nine to lowland rice. The possible utilization of the elongated-mesocotyl rice germplasm in varietal improvement, direct-seeded planting and seed purity testing were discussed.

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

    Institute of Scientific and Technical Information of China (English)

    张嵩午; 王长发; 冯佰利; 苗芳; 周春菊; 张荣萍

    2001-01-01

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

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

    International Nuclear Information System (INIS)

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

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

    Institute of Scientific and Technical Information of China (English)

    ZHANG Songwu; MIAO Fang; WANG Changfa

    2004-01-01

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

  10. Methods of Analysis of Electronic Money in Banks

    Directory of Open Access Journals (Sweden)

    Melnychenko Oleksandr V.

    2014-03-01

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

  11. Essays in Banking and Corporate Finance

    NARCIS (Netherlands)

    T. Wang (Teng)

    2015-01-01

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

  12. Recent trends in commercial bank loan sales

    OpenAIRE

    Rebecca Demsetz

    1993-01-01

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

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

    OpenAIRE

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

    2014-01-01

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

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

    Directory of Open Access Journals (Sweden)

    ION Gr. IONESCU

    2012-01-01

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

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

    Institute of Scientific and Technical Information of China (English)

    GAI Jun-yi

    2004-01-01

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

  16. Antioxidant and Vasodilator Activity of Ugni molinae Turcz. (Murtilla) and Its Modulatory Mechanism in Hypotensive Response

    Science.gov (United States)

    Jofré, Ignacio; Pezoa, Cesar; Scheuermann, Erick; Rosalen, Pedro Luiz; Romero, Fernando

    2016-01-01

    Hypertension is a systemic condition with high morbidity and mortality rates worldwide, which poses an increased risk for cardiovascular diseases. In this study, we demonstrated the antioxidant and vasodilator activity of Ugni molinae Turcz. (Murtilla) fruit, a berry native to Chile and proposed models to explain its modulatory mechanism in hypotensive response. Murtilla fruits were cultivated in a germplasm bank and submitted to chemical and biological analyses. The phenolic compounds gallic acid, Catechin, Quercetin-3-β-D-glucoside, Myricetin, Quercetin, and Kaempferol were identified. Murtilla extract did not generate toxic effects on human endothelial cells and had significant antioxidant activity against ROS production, lipid peroxidation, and superoxide anion production. Furthermore, it showed dose-dependent vasodilator activity in aortic rings in the presence of endothelium, whose hypotensive mechanism is partially mediated by nitric oxide synthase/guanylate cyclase and large-conductance calcium-dependent potassium channels. Murtilla fruits might potentially have beneficial effects on the management of cardiovascular diseases. PMID:27688827

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

    Science.gov (United States)

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

  18. Banking Postal Savings Bank in Sight

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

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

  19. Kewenangan Bank Indonesia Dalam Likuiditas Bank Umum

    OpenAIRE

    Silvana R

    2008-01-01

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

  20. FOREIGN BANKS WELCOMED

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

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

  1. GenBank

    Data.gov (United States)

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

  2. Commercial Banks Performance 2008–2012

    Directory of Open Access Journals (Sweden)

    Simona Vidzbelytė

    2013-09-01

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

  3. Audit of a bank

    OpenAIRE

    Ambros, Lukáš

    2012-01-01

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

  4. Securitization and Bank Performance

    OpenAIRE

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

    2013-01-01

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

  5. Bank Funding Modes

    OpenAIRE

    Stuart I. Greenbaum; Anjan V. Thakor

    2004-01-01

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

  6. Boards of Banks

    OpenAIRE

    Daniel Ferreira; Tom Kirchmaier; Daniel Metzger

    2011-01-01

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

  7. Early public banks

    OpenAIRE

    Roberds, William; Velde, François R.

    2014-01-01

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

  8. The Shanxi Banks

    OpenAIRE

    Randall Morck; Fan Yang

    2010-01-01

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

  9. Essays on banking

    OpenAIRE

    Mosk, T.C.

    2014-01-01

    This dissertation studies how banks collect and process information. The first chapter studies how the organizational structure of banks affects the processing of information. The second chapter studies how banks use private information collected over the lending relationship in credit negotiations. The last chapter is joint work with Hans Degryse, Jose Liberti and Steven Ongena and studies how banks use ‘soft information’ to monitor small firms. This dissertation uses hand collected internal...

  10. Customer Satisfaction and Loyalty Among Internet Banking Users of Philippine National Bank in Batangas City

    Directory of Open Access Journals (Sweden)

    EDWARD KERVIN B. MOJARES

    2014-04-01

    Full Text Available One of the most vital challenges of the Internet as a service delivery channel is providing and maintaining service quality. This study aimed to describe the profile of the respondents with regards to socio-demographic and bank-related variables; to identify the effects of internet banking among its clients in Batangas City; to determine the level of customer’s satisfaction in terms of speed and accuracy, accessibility and convenience, and security features; to determine the respondents level of loyalty; to test the relationship between effects of internet banking service and customer satisfaction and loyalty variables; and lastly, to propose effective measures on how to enhance the quality of internet banking service offered by PNB in Batangas City. The descriptive-correlation method was utilized in the conduct of the study. The respondents of the study are the top 100 or 30% of the three hundred thirty four active users of internet banking service of Philippine National Bank in Batangas City during the period of October 2012 as generated by the bank’s system. The study revealed that the respondents are generally satisfied with the speed and accuracy, accessibility and convenience, and security features of the internet banking service facility. It was also found out that only speed and accuracy showed significant relationship on the effect of internet banking. Internet banking users are still considering the speed and accuracy of the banks service to make them satisfied despite that internet banking provides lower cost delivery channel, gives customers to almost any type of banking transactions and gives breadth and depth customer service. However, customers’ level of loyalty is not affected by the effects of internet banking services. This proves that as long as the customers are being provided with an excellent service, customer loyalty/retention could still be possibly attained by the bank

  11. Differences in marketing strategies of various types of banks

    Directory of Open Access Journals (Sweden)

    Safari Monireh

    2015-03-01

    Full Text Available Banks can be divided into three general groups of commercial banks, specialized banks, and interest- free banks depending on their activities. Due to the different nature of each of them and their activities, this study examines whether there is a fundamental difference in the type of their marketing strategies. In this regard, a variety of strategies for banking services were first examined, then differences in the application of these strategies in various banks were studied using Kruskal - Wallis test. The results indicated that there are differences in the marketing strategies of different types of banks. In addition to that Friedman test was used for priorities of strategies in every type of the banks (by SPSS.

  12. THE ROMANIAN BANKING SYSTEM DURING THE ECONOMIC-FINANCIAL CRISIS

    Directory of Open Access Journals (Sweden)

    MAGDALENA RĂDULESCU

    2014-06-01

    Full Text Available The Romanian banking system was hit by the financial crisis in 2008 and the banking credit activity almost stopped for a few years. National Bank of Romania tighted the credit conditions and imposed strong regulations for banks. After the peak of the crisis, the credit conditions become lax again, trying to re-launch the economic activity by credit, but the effects in the economy didn’t appear until the end of 2013. Our banking system exposure to the foreign capital banks (Greek or Austrian and the political crisis in some European countries (Greece and Ukraine didn’t help either and increased the banking risks. Although the fundamentals of the Romanian banking system were sound, it faced the crisis well but it couldn’t support the recovery of our economy.

  13. Idea Bank.

    Science.gov (United States)

    Science Teacher, 1989

    1989-01-01

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

  14. Idea Bank.

    Science.gov (United States)

    Science Teacher, 1987

    1987-01-01

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

  15. Mobile banking in Asia

    OpenAIRE

    Anne Ho

    2010-01-01

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

  16. Commercial Banking Industry Survey.

    Science.gov (United States)

    Bright Horizons Children's Centers, Cambridge, MA.

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

  17. More Localized Foreign Banks

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

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

  18. Banking on Change

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

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

  19. A BANK MANAGER SPEAKS

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

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

  20. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    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

  1. Essays on banking

    NARCIS (Netherlands)

    Mosk, T.C.

    2014-01-01

    This dissertation studies how banks collect and process information. The first chapter studies how the organizational structure of banks affects the processing of information. The second chapter studies how banks use private information collected over the lending relationship in credit negotiations.

  2. Allelic Variation and Genetic Diversity at Glu-1 Loci in Chinese Wheat (Triticum aestivum L.) Germplasms

    Institute of Scientific and Technical Information of China (English)

    ZHANG Xue-yong; PANG Bin-shuang; YOU Guang-xia; WANG Lan-fen; JIA Ji-zeng; DONG Yu-chen

    2002-01-01

    Wheat processing quality is greatly influenced by the seed proteins especially the high molecular weight glutenin subunit (HMW-GS) components, the low molecular weight glutenin subunit (LMW-GS) components and gliadin components. Genes encoding the HMW-GS and LMW-GS components were located on the long arms and the short arms of homoeologous group 1 chromosomes, respectively. HMW-GS components in 5 129 accessions of wheat germplasms were analyzed systematically, including 3 459 landraces and 1 670 modern varieties. These accessions were chosen as candidate core collections to represent the genetic diversity of Chinese common wheat (Triticum aestivum ) germplasms documented and conserved in the National Gene Bank. These candidate core collections covered the 10 wheat production regions in China. In the whole country, the dominating alleles at the three loci are Glu-A1b (null), Glu-B1b (7 + 8), and Glu- D1a (2 + 12), respectively. The obvious difference between the land race and the modern variety is the dramatic frequency increase of alleles Glu-A1a (1), Glu-B1c (7 + 9), Glu-B1h (14 + 15), Glu-D1d (5 + 10) and allele cording 5 + 12 subunits in the later ones. In the whole view, there is minor difference on the genetic(allelic)richness between the landrace and the modern variety at Glu-1, which is 28 and 30 respectively. However, the genetic dispersion index (Simpson index) based on allelic variation and frequencies at Glu-A1, Glu-B1 and Glu-D1 suggested that the modern varieties had much higher genetic diversity than the landraces. This revealed that various isolating mechanisms (such as auto-gamous nature, low migration because of undeveloped transposition system) limited the gene flow and exchange between populations of the landraces, which led up to some genotypes localized in very small areas. Modern breeding has strongly promoted gene exchanges and introgression between populations and previous isolated populations. In the three loci, Glu-B1 has the highest

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

    OpenAIRE

    2014-01-01

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

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

    OpenAIRE

    Wang, Li

    2013-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Aykut Arslan

    2012-07-01

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

  6. Information Production, Banking Industry Structure and Credit Allocation

    OpenAIRE

    Chiesa, G

    1998-01-01

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

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

    OpenAIRE

    Buch, Claudia M.; Goldberg, Linda

    2014-01-01

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

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

    OpenAIRE

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

    2008-01-01

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

  9. Shadow banking in the Euro area: an overview

    OpenAIRE

    Bakk-Simon, Klára; Borgioli, Stefano; Giron, Celestino; Hempell, Hannah Sabine; Maddaloni, Angela; Recine, Fabio; Rosati, Simonetta

    2012-01-01

    Shadow banking, as one of the main sources of financial stability concerns, is the subject of much international debate. In broad terms, shadow banking refers to activities related to credit intermediation and liquidity and maturity transformation that take place outside the regulated banking system. This paper presents a first investigation of the size and the structure of shadow banking within the euro area, using the statistical data sources available to the ECB/Eurosystem. Although overal...

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

    OpenAIRE

    IMOLA DRIGĂ; CLAUDIA ISAC

    2014-01-01

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

  11. 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".

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

    Directory of Open Access Journals (Sweden)

    Javier Saavedra

    2013-06-01

    Full Text Available Several studies have confirmed that popcorn (Zea mays L. var. everta has a narrow genetic basis, which affects the quality of breeding programs. In this study, we present a genetic characterization of 420 individuals representing 28 popcorn populations from Brazilian germplasm banks. All individuals were genotyped using 11 microsatellite markers from the Maize Genetics and Genomics Database. A Bayesian clustering approach via Monte Carlo Markov chains was performed to examine the genetic differentiation (Fst values among different clusters. The results indicate the existence of three distinct and strongly differentiated genetic groups (K = 3. Moreover, the Fst values (calculated among clusters were significantly different according to Bayesian credible intervals of the posterior Fst values. The estimates of posterior mean (and 95% credible interval of the Fst values were 0.086 (0.04-0.14, 0.49 (0.376-0.624 and 0.243 (0.173-0.324 for clusters 1, 2, and 3, respectively. Clusters 1 and 3 showed a high level of genetic diversity in terms of expected heterozygosity and number of alleles, indicating their potential for broadening the genetic basis of popcorn in future breeding programs. Additionally, the 11 microsatellites were informative and presented a suitable number of alleles for determining parameters related to genetic diversity and genetic structure. This information is important for increasing our knowledge regarding genetic relationships, for the identification of heterotic groups, and for developing strategies of gene introgression in popcorn.

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

    Institute of Scientific and Technical Information of China (English)

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

    2007-01-01

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

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

    Science.gov (United States)

    Banerjee, Madhumita

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

  15. F1030, F1031, and F1032 Sugarbeet Germplasms Selected from Crosses between L19 and three Cultivated/Wild Germplasms

    Science.gov (United States)

    F1030 (PI 671774), F1031 (PI 671775), and F1032 (PI 671776) sugarbeet, Beta vulgaris subsp. vulgaris (L.), germplasm lines were released by the USDA-ARS in 2013. All three lines were selected primarily for sucrose concentration from populations formed by crossing a high-sugar line with three previo...

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

    International Nuclear Information System (INIS)

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

  17. BANKING UNION - ROMANIAN PERSPECTIVE

    Directory of Open Access Journals (Sweden)

    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.

  18. S-Genotype Profiles of Turkish Apricot Germplasm

    Directory of Open Access Journals (Sweden)

    Kadir Ugurtan YILMAZ

    2016-06-01

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

  19. Germplasm of breeding Pseudosciaena crocea as revealed by microsatellite markers

    Institute of Scientific and Technical Information of China (English)

    CHANG Yumei; DING Lei; LI Mingyun; XUE Liangyi; LIANG Liqun; HE Jianguo; LEI Qingquan

    2008-01-01

    The germplasm of breeding large yellow croaker(Pseudosciaena crocea Richardson)was revealed using 12 microsatellite markers.The results showed that the genetic diversities were on a mediated level in the bred Daiqu and Min-Yue stocks and two hybrid groups,as represented by 4.83 of the mean number of alleles and 0.561 of the average observed heterozygosity.The value of pair-wise differentiation coefficient(Fst)was only 13.1% between Daiqu and Min-Yue stocks,demonstrating the low level of differcn-tiation and a close relationship.However,STRUCTURE simulations and phylogenetie tree based on the UPGMA method supported that they are geographically different populations of the same species with distinct genetic structures.Examinations of individual ad-mixture showed that Min-Yue stock had been contaminated by alien individuals.Moreover,the genetic structures of the two hybridgroups resembled those of their parents,especially affected more by their female parents.Finally,the values of average observed beterozygasity between parents and their ascendants were compared and tested,as a result of no detectable differences(P>0.05).

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

    OpenAIRE

    Cargill, Thomas F.

    2006-01-01

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

  1. E- BANKING (BENEFITS AND CHALLENGES IN AN EMERGING ECONOMY

    Directory of Open Access Journals (Sweden)

    Lovedeep Singh Sidhu

    2015-10-01

    Full Text Available New Information technology has taken important place in future development of financial services, especially banking sector transition are affected more than any other financial provider groups. Increased use of mobile services and use of internet as new distribution channel for banking transactions and international trading requires more attention towards e-banking security against fraudulent activities. The development and the increasing progress that is being experienced in the Information and Communication Technology have brought about a bunch of changes in almost all facets of life. In the Banking Industry, it has been in the form of E-banking, which is now replacing the traditional banking practice. E-banking has a lot of benefits which add value to customers’ satisfaction in terms of better quality of service offerings and at the same time enable the banks gain more competitive advantage over other competitors. This paper discusses challenges in an emerging economy.

  2. 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...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States’ disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure....... The FDIC’s experience teaches us three important lessons: first, systemically important institutions need to have in their liability structure sufficient unsecured (or otherwise subordinated) term debt so that in the event of bank failure, the conversion of debt into equity will be sufficient to absorb...

  3. 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...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States' disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure....... The FDIC's experience teaches us three important lessons: First, systemically important financial institutions need to have in their liability structure sufficient unsecured (or otherwise subordinated) term debt so that in the event of bank failure, the conversion of debt into equity will be sufficient...

  4. Strategies and Challenges in Plant Germplasm Conservation%种质资源保存的战略问题和面临的挑战

    Institute of Scientific and Technical Information of China (English)

    李德铢; 杨湘云; Hugh W.Pritchard

    2011-01-01

    This paper discusses scientific issues, action plans and strategies for plant germplasm eonservation in general and seed banking in particular. Germplasm conservation is an insurance policy against extinction, and currently preserves tens of thousands of wild plant species. In this report, we introduce the background and current status of the Germplasm Bank of Wild Species, and compare its strategy with that of other major ex situ conservation facilities in the world, e. g. , the Millennium Seed Bank. In the context of the Global Strategy for Plant Conservation,we also discuss the estimated number of threatened species in China, which could be greater than 25% of the flora.Some scientific conservation-related techniques, such as cryopreservation, are described in brief. Seed banking is the most cost-effective approach in all ex situ conservation approaches. Cryopreservation will become increasingly important in accomplishing the ex situ conservation goal and in enabling the long-term preservation of seeds, including recalcitrant ones. This paper also highlights the necessity of increased efforts to train young scientists in taxonomy and seed biology to improve efficiency, validity of seed identification, and long-term management prospects of seed banks.%植物种质资源保存,特别是种子库保存是各种迁地保护措施中最为经济有效的方法.通过对成千上万个物种的有效保存,种子库为减缓物种的灭绝和气候变化对生物多样性的影响发挥了特别关键的作用.本文较为详细地介绍了"中国西南野生生物种质资源库"的立项背景和最新进展,同时介绍了世界上其它几个主要的植物迁地保存设施,特别是英国皇家植物园的"千年种子库".结合"全球植物保护策略"讨论了中国植物濒危状况,估计我国受威胁的物种比例达20-25%,甚至更高.本文还简要讨论了种子保存中的一些科学问题,包括超低温保存,并强调了植物分类学和种

  5. Large-Scale Evaluation of Maize Germplasm for Low-Phosphorus Tolerance

    Science.gov (United States)

    Zhang, Hongwei; Xu, Ruineng; Xie, Chuanxiao; Huang, Changling; Liao, Hong; Xu, Yunbi; Wang, Jinxiang; Li, Wen-Xue

    2015-01-01

    Low-phosphorus (LP) stress is a global problem for maize production and has been exacerbated by breeding activities that have reduced the genetic diversity of maize. Although LP tolerance in maize has been previously evaluated, the evaluations were generally performed with only a small number of accessions or with samples collected from a limited area. In this research, 826 maize accessions (including 580 tropical/subtropical accessions and 246 temperate accessions) were evaluated for LP tolerance under field conditions in 2011 and 2012. Plant height (PH) and leaf number were measured at three growth stages. The normalized difference vegetation index (NDVI) and fresh ear weight (FEW) were also measured. Genetic correlation analysis revealed that FEW and NDVI were strongly correlated with PH, especially at later stages. LP-tolerant and -sensitive accessions were selected based on the relative trait values of all traits using principal component analysis, and all the 14 traits of the tolerant maize accessions showed less reduction than the sensitive accessions under LP conditions. LP tolerance was strongly correlated with agronomic performance under LP stress conditions, and both criteria could be used for genetic analysis and breeding of LP tolerance. Temperate accessions showed slightly better LP tolerance than tropical/subtropical ones, although more tolerant accessions were identified from tropical/subtropical accessions, which could be contributed by their larger sample size. This large-scale evaluation provides useful information, LP-tolerant germplasm resources and evaluation protocol for genetic analysis and developing maize varieties for LP tolerance. PMID:25938641

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

    Institute of Scientific and Technical Information of China (English)

    LU Xin-xiong; CHEN Xiao-ling

    2003-01-01

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

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

    Institute of Scientific and Technical Information of China (English)

    XIE Hua; GUAN Rongxia; CHANG Ruzhen; QIU Lijuan

    2005-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Min-Jeong Kim

    2013-03-01

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

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

    Directory of Open Access Journals (Sweden)

    Doriana CUCINELLI

    2015-11-01

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

  10. Customer Experience in Banking Industry

    OpenAIRE

    Michálková, Anna

    2015-01-01

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

  11. Do Foreign Banks Lead in Internet Banking Services?

    Directory of Open Access Journals (Sweden)

    Kooi Guan CHEAH

    2005-01-01

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

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

    OpenAIRE

    Abu-Alkheil, Ahmad

    2012-01-01

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

  13. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

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

  14. 12 CFR 7.4009 - Applicability of state law to national bank operations.

    Science.gov (United States)

    2010-01-01

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

  15. Study on collection, conservation and propagation techniques of Paulownia fortunei superior trees germplasm resources%白花泡桐优树种质资源收集保存及繁殖技术研究

    Institute of Scientific and Technical Information of China (English)

    邓建军; 李芳东; 乔杰; 李荣幸

    2011-01-01

    In order to save, protect and utilize comprehensively the germplasm resources of Paulownia, the investigation and collection of the germplasm resources of Paulownia in 20 provinces(municipalities) of China were conducted,and the conservation and propagation techniques were studied.The results are as follows:by the end of the year 2009, there were 388 of Paulownia germplasm resources to be collected, including 50 Paulownia fortunei superior trees germplasm resources which grew faster and had stronger resistance and good trunk form; Paulownia gene banks total area of 27.73 hm2 were built in Wenxian of Henan and Chibi of Hubei and Jiujiang of Jiangxi provinces.And the collected germplasm resources was conserved; and the experiments of grafting,cutting, tissue culture and burning root were carried, then the rejuvenation and propagation techniques of the old Paulownia fortunei superior tree material were successfully developed.%为了挽救、保护和综合利用珍贵的泡桐Paulownia种质资源,对全国20个省(直辖市)进行泡桐种质资源调查收集,并对其保存和繁殖技术进行了研究.到2009年底,共搜集到338份泡桐种质资源,其中包括50个生长量大、干形好、抗性强的白花泡桐Paulownia fortune 优良单株资源;在河南温县、湖北赤壁和江西九江共营建21.73 hm3泡桐基因库,对搜集的资源进行保存;进行了嫁接,扦插,组织培养和埋根等幼化繁殖试验,成功地探索出了白花泡桐老龄优树的幼化繁殖技术.

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

    Directory of Open Access Journals (Sweden)

    Zakaria A. Azzam

    2010-06-01

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

  17. Islamic Banking and Finance

    OpenAIRE

    AlFarra, Diaa M. S.

    2015-01-01

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

  18. 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...

  19. Essays on Bank Risk

    OpenAIRE

    Cabiles, Neil Adrian

    2012-01-01

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

  20. Bank Customers Management System

    OpenAIRE

    Ebubeogu Amarachukwu Felix

    2015-01-01

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

  1. Bank Record Processing

    Science.gov (United States)

    1982-01-01

    Barnett Banks of Florida, Inc. operates 150 banking offices in 80 Florida cities. Banking offices have computerized systems for processing deposits or withdrawals in checking/savings accounts, and for handling commercial and installment loan transactions. In developing a network engineering design for the terminals used in record processing, an affiliate, Barnett Computing Company, used COSMIC's STATCOM program. This program provided a reliable network design tool and avoided the cost of developing new software.

  2. Banks on Board

    OpenAIRE

    Jeffrey Fear; Christopher Kobrak

    2007-01-01

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

  3. Agricultural Development Bank Reform

    OpenAIRE

    Seibel, Hans Dieter

    2001-01-01

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

  4. STUDY ON GERMPLASMIC RESOURCES OF LYCORIS LONGITUBA USING RAPD AND ISSR

    Directory of Open Access Journals (Sweden)

    Deng CHUANLIANG

    2006-08-01

    Full Text Available The perianth DNA extraction methods were discussed as Lycoris longituba for example. By means of RAPD and ISSR, germplasmic resources of Lycoris longituba were primarily studied. The results were as follow: by RAPD, a total of 77 discernible loci were obtained using 12 primers, of which 53 loci were polymorphic (PPB = 68.8%; by ISSR, 67 discernible loci were got using 9 primers, of which 62 loci were polymorphic (PPB = 92.5%. So, genetic diversity of Lycoris longituba was abundant, whose germplasmic resources could be stored for breeding. From UPGMA dendrogram of Lycoris longituba using RAPD or ISSR method, three Lycoris longituba types were supported with molecular evidence, which were originally distinguished by flower color. Therefore, in the future use of Lycoris longituba germplasmic resources, different varieties of Lycoris longituba could be cultivated.

  5. Banking operations in the securities market

    Directory of Open Access Journals (Sweden)

    Anna V. Il’ina

    2015-12-01

    Full Text Available Objective to determine the place of banks on the securities market at the present stage. Methods general scientific and specific scientific methods of cognition were used ndash dialectical historical comprehensive comparative legal. Results analysis of the legislation of the AngloSaxon legal system and Russian legislation on banks allowed to draw a conclusion about the existence of problems associated with the development of investment activity of Russian banks on securities market. The concept of laquosecurities marketraquo is associated with such term as laquostock marketraquo. In the present study comparative characterization of these two concepts is made. Measures to improve the Russian banking legislation are proposed. Scientific novelty the article for the first time the concepts of laquostock market banking operationsraquo and laquobanking operations with securitiesraquo are delineated. a number of proposals are made for amending some provisions of the legislation on banks and banking activity. Practical significance conclusions and recommendations contained in this paper can be used to improve the conceptual apparatus of business law science. nbsp

  6. 12 CFR 917.10 - Bank bylaws.

    Science.gov (United States)

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Vuković Sanja

    2014-05-01

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

  8. The World Bank and pharmaceuticals.

    Science.gov (United States)

    Falkenberg, T; Tomson, G

    2000-03-01

    Within less than a decade the World Bank has become the largest single source of finance (loans) for health in low and middle income countries as well as a major player in the field of pharmaceuticals. Often 20-50% of the recurrent government health budget in developing countries is used to procure drugs. Drugs are among the most salient and cost-effective elements of health care and often a key factor for the success of a health sector reform. However, pharmaceuticals are frequently being used irrationally, mainly due to market imperfections in health care, such as information asymmetries, leading to serious health problems and a heavy financial burden on the health system. Lending priorities set by the World Bank could be used to promote public health sector reform, leading to the rational use of affordable and available drugs of good quality in developing countries. This report provides the first analysis of World Bank activity in the pharmaceutical sector worldwide. The analysis of 77 staff appraisal reports, describing the planning phase of World Bank country projects, shows that 16% of the total World Bank health, nutrition and population budget, or approximately US$1.3 billion, has been committed to loans or credits supporting pharmaceutical activities in the programme countries between 1989-95. Roughly US$1.05 billion has been committed to procurement of drugs and medical equipment. Only 5% of the total pharmaceutical sector lending is committed to software components such as drug policy work and rational use of drugs. No more than 45% of the projects were developed in collaboration with pharmaceutical expertise. The World Bank is recommended to improve its pharmaceutical sector involvement by promoting drug policy research and development including national and international dialogue on pharmaceutical issues to ensure rational use of both drugs and loans. In this, the World Bank has an advantage given its experience from working with both the private and

  9. Bank Capital Management

    OpenAIRE

    Jokipii, T.K.

    2009-01-01

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

  10. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    Bank resolution is a key pillar of the European Banking Union. This column argues that the current structure of large EU banks is not conducive to an effective and unbiased resolution procedure. The authors would require systemically important banks to reorganise into a ‘holding company’ structure......, where the parent company holds unsecured term debt sufficient to cover losses at its operating financial subsidiaries. This would facilitate a ‘single point of entry’ resolution procedure, minimising the risk of creditor runs and destructive ring-fencing by national regulators....

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

    Directory of Open Access Journals (Sweden)

    Yong-Bi Fu

    2012-06-01

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

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

    Directory of Open Access Journals (Sweden)

    Alberto Zazzaro

    2001-12-01

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

  13. Genetic diversity in three groups of barley germplasm assessed by simple sequence repeats.

    Science.gov (United States)

    Matus, I A; Hayes, P M

    2002-12-01

    Genetic diversity can be measured by several criteria, including phenotype, pedigree, allelic diversity at marker loci, and allelic diversity at loci controlling phenotypes of interest. Abundance, high level of polymorphism, and ease of genotyping make simple sequence repeats (SSRs) an excellent molecular marker system for genetics diversity analyses. In this study, we used a set of mapped SSRs to survey three representative groups of barley germplasm: a sample of crop progenitor (Hordeum vulgare subsp. spontaneum) accessions, a group of mapping population parents, and a group of varieties and elite breeding lines. The objectives were to determine (i) how informative SSRs are in these three sets of barley germplasm resources and (ii) the utility of SSRs in classifying barley germplasm. A total of 687 alleles were identified at 42 SSR loci in 147 genotypes. The number of alleles per locus ranged from 4 to 31, with an average of 16.3. Crop progenitors averaged 10.3 alleles per SSR locus, mapping population parents 8.3 alleles per SSR locus, and elite breeding lines 5.8 alleles per SSR locus. There were many exclusive (unique) alleles. The polymorphism information content values for the SSRs ranged from 0.08 to 0.94. The cluster analysis indicates a high level of diversity within the crop progenitors accessions and within the mapping population parents. It also shows a lower level of diversity within the elite breeding germplasm. Our results demonstrate that this set of SSRs was highly informative and was useful in generating a meaningful classification of the germplasm that we sampled. Our long-term goal is to determine the utility of molecular marker diversity as a tool for gene discovery and efficient use of germplasm. PMID:12502254

  14. Mating system and pollen dispersal in Eugenia dysenterica (Myrtaceae) germplasm collection: tools for conservation and domestication.

    Science.gov (United States)

    Rodrigues, Eduardo B; Collevatti, Rosane G; Chaves, Lázaro J; Moreira, Lucas R; Telles, Mariana P C

    2016-04-01

    Eugenia dysenterica DC. (Myrtaceae) is a perennial tree producing edible fruits and ornamental flowers of potential value widely distributed in Brazilian "Cerrados" (savannas), but available genetic resources and potential for future breeding programs must be evaluated. Here we evaluated the reproductive system and pollen-mediated gene flow in one generation of Eugenia dysenterica germplasm collection of Agronomy School, Federal University of Goiás (in Goiânia city, Central Brazil). We collected leaves from all adults from the germplasm collection (682 plants) and seeds (542) from 23 mother-trees. Genotypes were obtained for seven microsatellite loci. Genetic diversity was high and did not significantly differ between adults (H e = 0.777) and progeny arrays (H e = 0.617). Our results showed that E. dysenterica has an allogamous mating system in the germplasm collection (t m = 0.957), but with high and significant biparental inbreeding (t m - t s = 0.109). Because sibs are very close to each other, mating between closely related individuals is likely. Paternity correlation was also relatively high, indicating a 11.9 % probability that a randomly chosen pair of outcrossed progeny from the same array are full sibs. The maximum pollen dispersal distance (224 m), estimated using assignment test, corresponded to the boundaries of the orchard. We were able to assign the paternity to only 64 % of the 349 seeds analyzed, indicating potential pollen immigration to the germplasm collection. The variance effective population size estimated for one maternal family in the germplasm collection (N ev = 3.42) is very close to the theoretical maximum value for half-sibs (Nev = 4.0). Because E. dysenterica has a long life cycle and generation time, the maintenance of an effective population size of at least 100 in the germplasm collection is suggested, which can be achieved by maintaining a seed-trees number around 30 individuals.

  15. Essays on banking and regulation

    NARCIS (Netherlands)

    Todorov, R.I.

    2013-01-01

    This thesis consists of three chapters that explore issues related to bank capital, multinational bank supervision, and bank lending in a developing country. The first chapter explores the impact of peer banks on bank capital adjustments. The second chapter evaluates the extent to which distortions

  16. Bank commercial loan fair value practices

    OpenAIRE

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

    2007-01-01

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

  17. Bank Units. Assessment and Development Tendencies

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2008-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Cheng-Ru Wu

    2008-01-01

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

  19. Impact of E-Banking on Traditional Banking Services

    Directory of Open Access Journals (Sweden)

    Shilpan Vyas

    2012-06-01

    Full Text Available 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 have" service. The net banking, thus, now is more of a norm rather than an exception in many developed countries due to the fact that it is the cheapest way of providing banking services.This research paper will introduce you to e-banking, giving the meaning, functions, types, advantages and limitations of e-banking. It will also show the impact of e-banking on traditional services and finally the result documentation.

  20. UNINSURED DEPOSITOR RIGHTS PROTECTION IN BANK INSOLVENCY

    Directory of Open Access Journals (Sweden)

    Tomas Ambrasas

    2013-06-01

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

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

    Institute of Scientific and Technical Information of China (English)

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

    2002-01-01

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

  2. 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.

  3. 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-...

  4. Bank Lending and Relationship Banking: Evidence from Chilean Firms

    OpenAIRE

    Andrea Repetto; Sergio Rodríguez; Valdés, Rodrigo O.

    2002-01-01

    In this paper we empirically study bank-client relationships using a sample of manufacturing Chilean firms. We examine whether concentration and the duration of bank-firm relationships affect the terms of bank financing, evaluating both the volume of bank lending and bank loan costs. Our results indicate that lower concentration, measured by the number of banks a firm borrows from, is associated with lower costs of loans and with a large and positive non-lincar effect on borrowing. The length...

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

    OpenAIRE

    World Bank Group

    2016-01-01

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

  6. 78 FR 12360 - PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail...

    Science.gov (United States)

    2013-02-22

    ... Federal Register on January 10, 2013 (78 FR 2290). The subject firm supplies banking and financial... Employment and Training Administration PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail Bank West Chester, IL; Notice of Negative Determination Regarding...

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

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

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

  8. Foreign Funds for City Banks

    Institute of Scientific and Technical Information of China (English)

    WANGPEI

    2005-01-01

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

  9. An update on USDA swine gene banking

    Science.gov (United States)

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

  10. On competition and banking

    NARCIS (Netherlands)

    Toolsema-Veldman, Linda Adriana

    2003-01-01

    In this thesis we discussed several aspects of bank behavior under imperfect competition. As we argued in chapters 1 and 2, the loss of production and growth and the suboptimal welfare level resulting from imperfections in banking can only partly be explained by transaction costs and asymmetric info

  11. International fuel bank

    International Nuclear Information System (INIS)

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

  12. Optimal Central Bank Transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.H.

    2008-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the opt

  13. Optimal central bank transparency

    NARCIS (Netherlands)

    C.A.B. van der Cruijsen; S.C.W. Eijffinger; L. Hoogduin

    2008-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the opt

  14. Optimal central bank transparency

    NARCIS (Netherlands)

    C.A.B. van der Cruijsen; S.C.W. Eijffinger; L.H. Hoogduin

    2010-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the opt

  15. Banking and trading

    NARCIS (Netherlands)

    A.W.A. Boot; L. Ratnovski

    2013-01-01

    We study the interaction between relationship banking and short-term, scalable arm’s length finance which we call trading. Relationship banking is not scalable, has high franchise value, is long-term oriented and low risk. Trading is transaction-based: scalable, with lower margins (capital constrain

  16. iBank

    Science.gov (United States)

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

    2012-01-01

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

  17. BANKING INTERMEDIATION AND CONSEQUENCES OF FINANCIAL CRISIS

    Directory of Open Access Journals (Sweden)

    Medar Lucian-Ion

    2012-12-01

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

  18. GREEN BANKING IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Dumitrascu Mihaela

    2014-07-01

    Full Text Available The paper investigates the green banking in Romania, a new approach of conducting the banking business through considering the corporate social responsibility and environmental aspects. Nowadays, it is difficult to face the globalization and competition in order to asssure the implementation of the green banking practices. The aim of the present study is to identify corporations that have sustainability concerns. To achieve this objective, we set some hypothesis and after this we showed that the corporations are more likely to be included in the list of top banks in the world. Our study is relevant for future research in this area, because of the importance of such aspects in corporations nowadays.The conclusions of our study is that green banking practices in Romania is in an incipient stage

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

    DEFF Research Database (Denmark)

    Schønecker, Bryan; Heller, Knud Erik

    2003-01-01

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

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

    Science.gov (United States)

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

    2010-11-01

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

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

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2011-01-01

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

  2. COMPETITION IN THE BANKING SYSTEM OF REPUBLIC OF MOLDOVA

    Directory of Open Access Journals (Sweden)

    Chetraru Aliona

    2011-07-01

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

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

    Directory of Open Access Journals (Sweden)

    S.V. Andros

    2011-10-01

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

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

    OpenAIRE

    Bremus, Franziska M.; Lambert, Claudia

    2014-01-01

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

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

    OpenAIRE

    Adhikari, Sanjeeb

    2013-01-01

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

  6. Analisis Perbandingan Kinerja Keuangan Antara Bank Syariah Dengan Bank Konvensional Yang Terdaftar Di Bank Indonesia

    OpenAIRE

    Saragih, Arie Firmansyah

    2013-01-01

    This research aims to analyze the comparative performance of Islamic banking and conventional banking which are listed in Bank of Indonesia. The parameters used to compare the financial performance of banks is to use the financial ratios include capital adequacy ratio(CAR),return on asset (ROA),return on equity (ROE), and loan to deposit ratio (LDR). The results showed that ROA, ROE, and LDR do not differ significantly between Islamic banks and the conventional banks, only CAR that showed ...

  7. Evaluation of the National Plant Germplasm System's Garlic Collection for Seven Viruses

    Science.gov (United States)

    The garlic (Allium sativum L.and A. longicuspis Regel.) germplasm maintained by the USDA-ARS Western Regional Plant Introduction Station (WRPIS) was screened for viruses. Over 200 accessions were rated for the incidence of symptomatic plants in July 2005 and June 2006. Symptoms indicative of viru...

  8. Taxonomy and genetic differentiation among wild and cultivated germplasm of Solanum sect. Petota

    Science.gov (United States)

    Due to their adaptation to a diverse set of habitats and stresses, wild species of cultivated crops offer new sources of genetic diversity for germplasm improvement. Using an Infinium array representing a genome-wide set of 8303 single nucleotide polymorphisms (SNPs), we evaluated phylogenetic relat...

  9. Bird-resistant pollination bags for sorghum breeding and germplasm maintenance

    Science.gov (United States)

    Bird damage is a problem in sorghum breeding and germplasm maintenance operations. Paper pollination bags are damaged by rain and provide minimal deterrent to birds. To overcome these limitations we fabricated pollination bags from spun polyethylene fiber sheeting. Seed loss by bird damage was elimi...

  10. Genetic diversity and spatial structure in cacao (Theobroma cacao L.) germplasm from Bolivia

    Science.gov (United States)

    Cacao (Theobroma cacao L.) is an important economic crop widely cultivated in the Bolivian Amazon. The germplasm group used by the Bolivian farmers was called “Cacao Nacional Boliviano” (CNB). Wild cacao populations are also found in the Beni River and in the valleys of Andes foot hills. Using DNA...

  11. Recent progress of rice mutation breeding and germplasm enhancement in China

    International Nuclear Information System (INIS)

    The progress of mutation breeding and mutational germplasm enhancement was reviewed in this paper. From 1991 to 2004, there were 77 new mutant varieties, both of conventional and hybrid rice, officially released in China. Mutation techniques were successfully used for generating novel characteristics of direct importance in rice production and of potential quality and nutritional value. A few pilot varieties embodied with novel characteristics, i.e., leaf colour markers, giant embryos, were already officially released for commercial production. In China, crop mutation breeding was first initiated in the early 1960's. A number of national, provincial and regional research institutes and universities have been involved in crop improvement using mutation techniques, and significant achievements were made from the early stages (Wang 1985, 1992) till very recently (Liu et al 2004). Rice is the most important food in China; tremendous efforts have been undertaken towards new variety development, mutant germplasm enhancement and preservation, and technology improvement and innovation. This paper summarized the development and achievement in rice mutation breeding and germplasm enhancement in the past 15 years in China, with emphasis on breeding of new varieties and enhancing or diversifying rice grain quality/functionality, since mutant germplasm for functional genomics studies was presented in another paper by Zhu et al in this issue. (author)

  12. Evaluation of African-bred maize germplasm lines for resistance to aflatoxin accumulation

    Science.gov (United States)

    Aflatoxins, produced by the fungus Aspergillus flavus, contaminate maize grain and threatens human food and feed safety. Plant resistance is considered the best strategy for reducing aflatoxin accumulation. Six maize germplasm lines, TZAR101-TZAR106, were released by the IITA-SRRC maize breeding col...

  13. Identification of a Pi9-Containing Rice Germplasm with a Newly Developed Robust Marker.

    Science.gov (United States)

    Scheuermann, Klaus Konrad; Jia, Yulin

    2016-08-01

    The Pi9 gene in rice, originating from Oryza minuta, is an effective resistance gene for controlling rice blast disease. However, currently available linked DNA markers do not accurately identify the function of Pi9, thus hindering its efficient incorporation into new cultivars through marker-assisted selection (MAS). In addition, no known Pi9-containing rice germplasm is available to breeders. In the present study, DNA sequence variation of Pi9 alleles and their family members was analyzed in 40 diverse rice germplasm accessions from the AA genome to develop a robust Pi9 marker. In total, 29 DNA primers of 20 to 23 nucleotides were designed and each possible combination of primer pairs was used to detect Pi9. Only one combination of DNA primers, KS28/KS6, was identified to specifically detect Pi9 in the monogenic line IRBL9-W. The presence of Pi9 was verified with the predicted Pi9-specific blast reaction. Subsequently, 201 genetically diverse mini-core rice accessions from 114 countries were screened with KS28/KS6. One germplasm, IR 9660-48-1-1-2, was identified to carry Pi9 and the function of Pi9 was verified with pathogenicity assays. This robust Pi9 marker and a rice germplasm, IR9660-48-1-1-2 (GSOR310687), carrying Pi9 can be used to improve blast resistance with a MAS approach. PMID:27050577

  14. USDA-ARS Ft. Collins germplasm screened for resistance to Beet curly top, 2015

    Science.gov (United States)

    Fifty sugar beet (Beta vulgaris L.) germplasm lines produced by the USDA-ARS Ft. Collins sugar beet program and two commercial check cultivars [SV2012RR (susceptible) and HM PM90 (resistant)] were screened for resistance to Beet curly top virus (BCTV). The curly top evaluation was conducted at the ...

  15. Beet curly top resistance of USDA-ARS National Plant Germplasm System plant introductions, 2009

    Science.gov (United States)

    Thirty wild beet (Beta vulgaris subsp. maritima (L.) Arcang) accessions from the Beta collection of the USDA-ARS National Plant Germplasm System were screened for resistance to Beet severe curly top virus (BSCTV) in 2009. The curly top evaluation was conducted at the USDA-ARS North Farm in Kimberly...

  16. Beet curly top resistance of USDA-ARS National Plant Germplasm System plant introductions, 2010

    Science.gov (United States)

    Twenty-six wild beet (Beta vulgaris subsp. maritima (L.) Arcang) accessions from the Beta collection of the USDA-ARS National Plant Germplasm System were screened for resistance to Beet severe curly top virus (BSCTV) and other closely related Curtovirus species in 2010. The curly top evaluation was...

  17. Diversity of the breadfruit complex (Artocarpus, Moraceae): Genetic characterization of critical germplasm

    Science.gov (United States)

    Breadfruit (Artocarpus altilis, Moraceae) is a traditional staple starch crop in Oceania and has been introduced throughout the tropics. This study uses microsatellite markers to characterize the genetic diversity of breadfruit and its wild relatives housed in the USDA National Plant Germplasm Syste...

  18. Potato tuber chemistry of promising germplasm exhibiting tolerance to zebra chip disease

    Science.gov (United States)

    Long-term sustainable management of zebra chip (ZC) disease of potato requires development of tolerant or resistant germplasm. To this end, 283 potato varieties and breeding clones were infected with the ZC putative causal agent ‘Candidatus Liberibacter solanacearum’ (Lso) by potato psyllid vector i...

  19. Registration of two sugarcane germplasm clones with antibiosis to the sugarcane borer (Lepidoptera: Crambidae)

    Science.gov (United States)

    ‘Ho 08-9001’ and ‘Ho 08-9003’ germplasm were selected as early-generation clones (Saccharum x S. spontaneum) for the combined traits of resistance to the sugarcane borer (Diatraea saccharalis), vigorous growth habit, biomass yield, and high sucrose levels for a wide cross. Ho 08-9001 expressed 13% b...

  20. Analysis of wild sweet cherry (Prunus avium L.) germplasm diversity in south-east Serbia

    OpenAIRE

    Mratinić Evica; Fotirić-Akšić Milica; Jovković Radmila

    2012-01-01

    Ten wild growing sweet cherry (Prunus avium L.) genotypes from South-East Serbia with different fruit skin color were analyzed for its phenological, morphological and chemical traits. Agronomic evaluation of germplasm accessions revealed considerable diversity among different accessions for all the characters studied. The analysis of variance revealed significant differences among all genotypes for almost all examined properties. Cluster analysis showed ade...

  1. Evaluating citrus germplasm for huanglongbing (HLB) resistance: USDA-ARS Inoculation Program

    Science.gov (United States)

    The Asian citrus psyllid (ACP), Diaphorina citri, is an important pest because it vectors bacteria responsible for a serious disease of citrus known as huanglongbing (citrus greening disease). USDA-ARS researchers recently established a program for screening citrus germplasm for resistance to the di...

  2. New carrot and garlic germplasm to advance breeding and understand crop origins

    Science.gov (United States)

    The genetic variation provided by diverse plant germplasm is the basic building material used for crop improvement that shapes the crops we grow today. Wild carrot from the U.S. provided the cytoplasm used to develop a reliable system to produce hybrid carrots that account for most of the commercial...

  3. Ft. Collins Sugar Beet Germplasm Evaluated for Resistance to Rhizomania and Storability in Idaho, 2010

    Science.gov (United States)

    Sugar beet germplasm and commercial check cultivars were evaluated in a sprinkler-irrigated sugar beet field near Kimberly, ID where sugar beet was grown in 2009. The field trial relied on natural inoculum for rhizomania development. The seed was treated with clothianidin (2.1 oz a.i. per 100,000 ...

  4. Performance of five cooking banana accessions at the National Germplasm Repository under limestone soil conditions.

    Science.gov (United States)

    Five varieties of cooking bananas from the National Germplasm Repository in Miami were used for evaluation under local edaphic and environmental conditions. The number of pseudostems per mat, height at fruiting, and cycling time were determined during the first fruiting cycle, and bunch number and b...

  5. World Saccharum Collection at the USDA Subtropical Research Station, National Germplasm Repository Miami, Florida

    Science.gov (United States)

    In 1980, the U.S. Department of Agriculture (USDA), Agricultural Research Service (ARS), established a genebank, the National Clonal Germplasm Repository (NCGR) in Miami, Florida. This repository is devoted to conservation of subtropical and tropical fruit, sugarcane and related grasses and ornamen...

  6. Performance and phenology of wild black raspberry (Rubus occidentalis L.) germplasm in a common garden

    Science.gov (United States)

    A lack of genetic diversity in cultivated black raspberry (Rubus occidentalis L.) germplasm has been widely recognized as a major factor limiting progress towards breeding improved cultivars. Despite this, little effort has been made since the early twentieth century to systematically collect and ev...

  7. Genome-wide Association Mapping of Fusarium Head Blight Resistance in Contemporary Barley Breeding Germplasm

    Science.gov (United States)

    Utilization of quantitative trait loci (QTL) identified in bi-parental mapping populations has had limited success for complex quantitative traits. The use of association mapping in contemporary breeding germplasm may lead to more effective marker strategies for crop improvement. To map Fusarium he...

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

    Directory of Open Access Journals (Sweden)

    Mihaela Holobiuc

    2009-11-01

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

  9. Intellectual Bank Locker Security System

    Directory of Open Access Journals (Sweden)

    S.V.Tejesvi

    2016-02-01

    Full Text Available In today's modern world, security plays an important role. Every person has precious accessories like gold, documents or cash. The main goal of this project is to design and implement a bank locker security system based on fingerprint and GSM technology. It reduces wastage of time for both banker as well as customer and provides advanced security. In this system, only authentic persons can recover money or accessories from bank locker. In this system the user’s name, fingerprint and mobile number are enrolled. If the fingerprint matches, then four digit code will be sent to the authorized person’s mobile through GSM modem and the locker door will be opened then, otherwise it will be in locked position and gives an alarm when any mismatch occurs. The sensors will be active during night times to provide security against thefts.

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

    Directory of Open Access Journals (Sweden)

    Hafas Furqani

    2008-08-01

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

  11. PHYSICO-CHEMICAL CHARACTERIZATION AND PRODUCT DEVELOPMENT FROM LOCAL CITRUS GERMPLASMS AVAILABLE IN THE SOUTH WESTERN REGION OF BANGLADESH

    Directory of Open Access Journals (Sweden)

    M. S. Akhter

    2013-10-01

    Full Text Available The experiment was carried out to study the physico-chemical characteristics of 20 selected citrus fruits germplasm of South Western region of Bangladesh during July 2010 to January 2012. There was significant variation among the germplasms in relation to fruit characteristics and organolaptic evaluation. Better performance was found in germplasm No. 20 in respect of total fruit weight, weight of seed and skin thickness of fruits. Germplasm No.1 showed better performance in respect of percentage of edible portion and germplasm No. 6 in respect of percentage of non edible portion. The total soluble solids found higher in germplasm No. 20 (12.23 % and titratable acidity in germplasm No. 16 (49.33 %. Vitamin C and carotenoids found maximum in germplasm No. 20 (442.70 mg/100g. Germplasm No. 4 and 12 was better in respect of anthocyanin (0.10 mg/100gm and flavonoids (0.19 gm content of fruit pulp. Considering desired fruit characteristics germplasam No. 20 (pummelo was found better. Citrus fruits' squash was successfully prepared by using 60 g sugar containing treatment consisting 50-80 g of sugar with 10 g variation of sugar in three treatments without changing other ingredient. Citrus fruits jelly was successfully prepared by using 300 g sugar containing treatment consisting 250-350 g of sugar with 50 g variation of sugar in three treatments without changing other ingredient. Citrus fruits jarok was successfully prepared by using 55 g salt containing treatment consisting 50-60 g of salt with 5 g variation of salt in three treatments without changing other ingredient.

  12. Advancement in fish germplasm preservation%鱼类种质保存研究进展

    Institute of Scientific and Technical Information of China (English)

    王小刚; 骆剑; 尹绍武; 朱晓平

    2012-01-01

    开展鱼类种质保存的研究,不仅可以保护鱼类种质资源和生物多样性,而且也是对鱼类种质资源进行有效开发和利用的前提条件.目前鱼类种质保存包括分子(DNA)保存、细胞保存和活体保存等.其中,分子(DNA)保存按照技术难易程度分为基因组DNA保存、基因组文库保存、cDNA文库保存、DNA芯片保存4种;细胞保存一般可分为配子保存、胚胎保存、细胞系保存3种;而活体保存按鱼类生长环境不同可分就地保护和易地保护2种.综述了多种海、淡水鱼类种质保存的研究现状与进展,包括鲤科、鲆科、鲷科、鲱科以及鲽科等科鱼类种质保存的具体情况,为我国鱼类种质保存提供参考资料,同时对今后鱼类种质保存研究提出了展望.%The germplasm preservation of fish, can not only protect the fish germplasm resources and biological diversity, but also is the premise condition of effective development and utilization of fish germplasm resources. At present, the fish germplasm preservation includes molecular ( DNA) preservation, cell preservation and living body preservation. Molecular (DNA) preservation can be divided into genomic DNA preservation, genomic library preservation, cDNA library preservation and DNA chips preservation according to the preservation technology. Cell preservation can be divided into gametes preservation, embryonic preservation and cell lines preservation. And the living body preservation includes in situ conservation and different grounds protection according to the different growth environment of fish. The current status of germplasm preservation in a variety of marine fish and freshwater fish have been reviewed detailedly, which involved the fish family of cyprinidae,bothidae,sparidae,clupeidae,pleuronectidae,etc. This review provided reference materials for the fish germplasm preservation of our country, and it also provided the application prospect of fish germplasm

  13. Using GenBank.

    Science.gov (United States)

    Sayers, Eric W; Karsch-Mizrachi, Ilene

    2016-01-01

    GenBank(®) is a comprehensive database of publicly available DNA sequences for 300,000 named organisms, more than 110,000 within the embryophyta, obtained through submissions from individual laboratories and batch submissions from large-scale sequencing projects. Daily data exchange with the European Nucleotide Archive (ENA) in Europe and the DNA Data Bank of Japan ensures worldwide coverage. GenBank is accessible through the NCBI Entrez retrieval system that integrates data from the major DNA and protein sequence databases with taxonomy, genome, mapping, protein structure and domain information, as well as the biomedical journal literature in PubMed. BLAST provides sequence similarity searches of GenBank and other sequence databases. Complete bimonthly releases and daily updates of the GenBank database are available by FTP. GenBank usage scenarios ranging from local analyses of the data available via FTP to online analyses supported by the NCBI web-based tools are discussed. To access GenBank and its related retrieval and analysis services, go to the NCBI home page at www.ncbi.nlm.nih.gov . PMID:26519398

  14. Soundness of Ethiopian Banks

    Directory of Open Access Journals (Sweden)

    Hamdu Kedir Mohammed

    2015-06-01

    Full Text Available A well-functioning financial institution will sustain a countries economic development and play a great role in reduction of poverty. One of the major participants in the financial institution is the banking industry. However, the mal-functioning of the banking system can be extremely costly to the real economy. As Bank is one of the participants and major key player in the financial institutions, it needs a continuous assessment by its supervisory and management. Mere ratio analyses are commonly used Performance measurement among the banking industry in Ethiopia. Nonetheless, these financial ratios are more of traditional as well as partial measurements. As such this study conducted using CAMEL framework set by bank for international settlement. The study takes secondary data which are gathered from audited annual reports of all banks. The result shows CAMEL framework is the best fit measurement for Ethiopian Banks and it give a comprehensive result which is very helpful for the governor to set a well determined policy and procedure.

  15. 12 CFR 980.3 - New business activity notice requirement.

    Science.gov (United States)

    2010-01-01

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

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

    OpenAIRE

    Norhazlin Ismail; Zarehan Selamat; Ong Hway Boon

    2004-01-01

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

  17. Genetic diversity and relationships in olive ( Olea europaea L.) germplasm collections as determined by randomly amplified polymorphic DNA.

    Science.gov (United States)

    Belaj, A.; Satovic, Z.; Rallo, L.; Trujillo, I.

    2002-09-01

    Genetic diversity studies using the RAPD technique were carried out in a set of 103 olive cultivars from the World Germplasm Bank of the Centro de Investigación y Formación Agraria (CIFA) "Alameda del Obispo" in Cordoba (Spain). A total of 126 polymorphisms (6.0 polymorphic markers per primer) out of 135 reproducible products (6.4 fragments per primer) were obtained from the 21 primers used. The number of bands per primer ranged from 4 to 11, whereas the number of polymorphic bands ranged from 3 to 10, corresponding to 83% of the amplification products. The dendrogram based on unweighted pair-group cluster analysis using Jaccard's index includes three major groups according to their origin: (1) cultivars from the Eastern and Central Mediterranean areas, (2) some Italian and Spanish cultivars, and (3) cultivars from the Western Mediterranean zone. The pattern of genetic variation among olive cultivars from three different Mediterranean zones (West, Centre and East) was analysed by means of the analysis of molecular variance (AMOVA). Although most of the genetic diversity was attributable to differences of cultivars within Mediterranean zones (96.86%) significant phi-values among zones (phi(st) = 0.031; p < 0.001) suggested the existence of phenotypic differentiation. Furthermore, the AMOVA analysis was used to partition the phenotypic variation of Spain, Italy (Western region), Greece and Turkey (Eastern region) into four categories: among regions, among countries (within regions), within countries, and among and within countries of each region. Most of the genetic diversity was attributable to differences among genotypes within a country. These results are consistent with the predominantly allogamous nature of Olea europaea L. species. This paper indicates the importance of the study of the amount and distribution of genetic diversity for a better exploration of olive genetic resources and the design of plant breeding programmes.

  18. Genetic diversity of wild germplasm of "yerba mate" (Ilex paraguariensis St. Hil.) from Uruguay.

    Science.gov (United States)

    Cascales, Jimena; Bracco, Mariana; Poggio, Lidia; Gottlieb, Alexandra Marina

    2014-12-01

    The "yerba mate" tree, Ilex paraguariensis St. Hil., is a crop native to subtropical South America, marketed for the elaboration of the highly popular "mate" beverage. The Uruguayan germplasm occupies the southernmost area of the species distribution range and carries adaptations to environments that considerably differ from the current production area. We characterized the genetic variability of the germplasm from this unexplored area by jointly analyzing individuals from the diversification center (ABP, Argentina, Brazil and Paraguay) with 19 nuclear and 11 plastidic microsatellite markers. For the Uruguayan germplasm, we registered 55 alleles (18 % private), and 80 genotypes (44 % exclusive), whereas 63 alleles (28.6 % private) and 81 genotypes (42 % exclusive) were recorded for individuals from ABP. Only two plastidic haplotypes were detected. Distance-based and multilocus genotype analyses showed that individuals from ABP intermingle and that the Uruguayan germplasm is differentiated in three gene-pools. Significant positive correlations between genetic and geographic distances were detected. Our results concur in that ABP individuals harbor greater genetic variation than those from the tail of the distribution, as to the number of alleles (1.15-fold), He (1.19-fold), Rs (1.39-fold), and the between-group genetic distances (1.16-fold). Also the shape of the genetic landscape interpolation analysis suggests that the genetic variation decays southward towards the Uruguayan territory. We showed that Uruguayan germplasm hosts a combination of nuclear alleles not present in the central region, constituting a valuable breeding resource. Future conservation efforts should concentrate in collecting numerous individuals of "yerba mate" per site to gather the existent variation.

  19. Bank Lending, Inflation, and China's Stock Market (2004–2010

    Directory of Open Access Journals (Sweden)

    Richard C. K. Burdekin

    2011-01-01

    Full Text Available The 2009 surge in bank lending in China was accompanied by allegations of substantial funds being funneled into the nation's stock and property markets. This paper uses 2004–2010 People's Bank survey data to examine the possible linkages between banking activity and the stock market as well as the associated inflation risks. In general, stock market strength in China seems to be accompanied by rising inflationary concerns, increased bank lending activity, and reduced banker confidence that stable conditions will be maintained. This suggests that the Shanghai market could serve as a useful indicator variable for Chinese monetary policy.

  20. Swiss Bank Accounts

    OpenAIRE

    Brown, Martin; Döbeli, Barbara; Sauré, Philip

    2011-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Jayaraman Munusamy

    2012-04-01

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

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

    Directory of Open Access Journals (Sweden)

    Harshita B

    2015-08-01

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

  3. Efficiency of Commercial Banks in Malaysia

    OpenAIRE

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

    2006-01-01

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

  4. Statistical comparison of comparable banking products in selected banks

    OpenAIRE

    Elstnerová, Lucie

    2011-01-01

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

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

    Directory of Open Access Journals (Sweden)

    G.O. Ofori-Dwumfuo

    2012-09-01

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

  6. Monitoring the Quality of Services in Electronic Banking

    Directory of Open Access Journals (Sweden)

    Jovovic Radislav

    2016-09-01

    Full Text Available Successful development of electronic banking is in direct correlation with the quality of services in electronic banking. Therefore, it is necessary that the banks are familiar with the attributes of electronic services on which clients assess the bank’s quality and client’s satisfaction with them, in order to be able to monitor, correct and improve the performance of electronic banking. We start from the hypothesis that there are already developed theoretical models for measuring the quality of e-banking services but they must be adjusted to the specific environment that is analysed in order to obtain reliable and quality information. The qualitative and quantitative research methods are applied in this paper in order to a get adjusted theoretical model (instrument for measuring the quality of electronic banking services. As a result of the conducted analysis, the initial theoretical model has been modified, so that the final version of the model (instrument for measuring quality of online banking allows obtaining reliable data, and information in the particular environment. And the results are: significant information about the quality of e-banking, modified theoretical model, information about the dimensions of quality of e-banking, customer satisfaction, and pathways and guidelines for the improvement of e-banking. The measuring of quality of electronic banking services in not one time activity but repeated one, as permanent monitoring strategy. This research is widely applicable even though it was conducted in the context of Montenegrin e-banking, since most of the banks in Montenegro are owned by well-known European banks, and it is expected that the obtained knowledge and information can be generalized.

  7. Protein Data Bank (PDB)

    Data.gov (United States)

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

  8. Environmental Data Bank

    Energy Technology Data Exchange (ETDEWEB)

    ,

    1962-06-01

    In an effort to determine the environment to which the equipment designed by Sandia Corporation will be exposed, a "Data Bank" of environmental information was compiled. Measured quantities resulting from actual uses were continually being summarized.

  9. Filter Bank Fusion Frames

    CERN Document Server

    Chebira, Amina; Mixon, Dustin G

    2010-01-01

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

  10. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

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

  11. Assessing efficiency in banking

    Directory of Open Access Journals (Sweden)

    Knežević Snežana

    2012-09-01

    Full Text Available The paper is an attempt to assess the productivity and efficiency on the basis of the information found in financial statements and operating evidence, as well as implementation of the DEA method. The definition of both input and output in banking is absolutely clear, however, an adequate analysis of efficiency in banking requires that the right combinations of input and output be selected Every company has its own principles to implement in its operations. One of the most important is surely the efficiency principle. Relevant academic literature offers various combinations of input and output in testing bank efficiency. The developing countries will find it highly important to monitor bank efficiency and compare it to the countries in the region.

  12. 中国西南野生生物种质资源库%Germplasm bank of wildspecies, SW China

    Institute of Scientific and Technical Information of China (English)

    李德铢; 杨湘云; 王雨华; 蔡杰

    2010-01-01

    @@ 生物多样性和生物资源的保护、保藏、研究与利用是当前人类共同关心的话题,联合国教科文组织(UNESCO)曾将2001-2002年列为国际生物多样性观察年(International Biodiversity Observation Year,IBOY);2001年在澳大利亚召开的国际培养物保藏大会呼吁建立生物资源中心(Biological Resource Center,BRC),以加强对生物资源的调查、收集、保护、保藏、研究和利用;由于生物多样性对环境、经济和社会持续发展中的重要性和意义,联合国更将2010年列为"国际生物多样性年"(International Year of Biologgical Diversity).

  13. Identification of plant parasitic nematodes in the germplasm bank of yellow passion fruit (passiflora edulis f. flavicarpa degener) in colombia

    OpenAIRE

    Ortiz Paz, Rocío Alexandra; Guzmán Piedrahita, Óscar Adrián; Ocampo, John A.

    2013-01-01

    Plant parasitic nematodes are one of the major constraints in tropical fruit causing great economic losses by reducing yields. In Colombia there is not information dealing with the production systems about these parasites affecting passion fruit cultivation so, it is necessary to generate information for management strategies. The aim of this study was to identify and quantify plant parasitic nematodes present in the National yellow passion fruit Collection consisting of 28 accessions from di...

  14. Genetic Characterization and Relatedness among Cherry Cultivars in a Germplasm Bank by Randomly Amplified Polymorphic DNA Analysis

    Directory of Open Access Journals (Sweden)

    Jesus Moreno

    2005-12-01

    Full Text Available Random amplified polymorphic DNA (RAPD analysis was performed on 38 cultivars of cherry (Prunus avium L. grown in the Jerte Valley, Cáceres, Spain. Thirty five selected decamer primers produced 69 reproducible polymorphic amplification products. The degree of polymorphism detected made possible the identification of all the cultivars by combining the RAPD banding patterns of only seven primers: OPK-08, OPQ-14, OPR-09, OPS-19, OPX-02, OPX-15 and OPZ-13. Eleven unique markers allowed identification of nine cultivars while 15 cultivars were identified by unique banding patterns. A similarity matrix derived from the RAPD amplification products generated by all the primers was obtained using the index of similarity of Jaccard. The similarity coefficients among cultivars ranged from 0.27 to 0.81 with an average of 0.50. A dendrogram based on UPGMA clustering method was constructed using the similarity matrix. The dendrogram showed a good correlation between the clustering of cherry cultivars and their geographic origin, especially revealing a stronger genetic proximity between some of the most characteristic cultivars of the Jerte Valley. This result supports the autochthonous origin hypothesis for these cultivars.

  15. Consumer protection in banking

    OpenAIRE

    Pohanková, Martina

    2013-01-01

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

  16. Securitization and Bank Stability

    OpenAIRE

    Di Cesare, Antonio

    2009-01-01

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

  17. International Banking in Cyprus

    OpenAIRE

    Yiallouros, Kristie

    2009-01-01

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

  18. Central Bank independence

    OpenAIRE

    Vasile DEDU; Tiberiu STOICA

    2012-01-01

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

  19. Debt, Taxes, and Banks

    OpenAIRE

    Michael Keen; Ruud A. de Mooij

    2012-01-01

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

  20. Accounting for Financial Instruments in the Banking Industry

    OpenAIRE

    Gebhardt, Günther; Reichardt, Rolf; Wittenbrink, Carsten

    2002-01-01

    Recent changes in accounting regulation for financial instruments (SFAS 133, IAS 39) have been heavily criticized by representatives from the banking industry. They argue for retaining a historical cost based mixed model where accounting for financial instruments depends on their designation to either trading or nontrading activities. In order to demonstrate the impact of different accounting models for financial instruments on the financial statements of banks, we develop a bank simulation m...

  1. The return to retail and the performance of US banks

    OpenAIRE

    Hirtle, Beverly J.; STIROH, Kevin J.

    2005-01-01

    The U.S. banking industry is experiencing a renewed focus on retail banking, a trend often attributed to the stability and profitability of retail activities. This paper examines the impact of banks' retail intensity on performance from 1997 to 2004 by developing three complementary definitions of retail intensity (retail loan share, retail deposit share, and branches per dollar of assets) and comparing these measures with both equity market and accounting measures of performance. We find tha...

  2. Latest Developments in China's Banking Reform, Opening-up and Supervision

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    @@ China Banking Regulatory Commission (CBRC) was authorized by law to regulate and supervise all the banking institutions in China and their business activities. CBRC plays an active role in China's banking reform. According to a press release by the State Council on December 5, under the leadership of the central government and the guidance of Deng Xiaoping Theory and the important thought of" Three Represents," the CBRC continues to practise the scientific concept of development, deepen the banking reform, further the opening up and enhance banking supervision, so as to ensure a safe and sound development of China's banking sector.

  3. Latest Developments in China's Banking Reform, Opening-up and Supervision

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

      China Banking Regulatory Commission (CBRC) was authorized by law to regulate and supervise all the banking institutions in China and their business activities. CBRC plays an active role in China's banking reform. According to a press release by the State Council on December 5, under the leadership of the central government and the guidance of Deng Xiaoping Theory and the important thought of" Three Represents," the CBRC continues to practise the scientific concept of development, deepen the banking reform, further the opening up and enhance banking supervision, so as to ensure a safe and sound development of China's banking sector.……

  4. Study on Open Access to Platform Architecture fo Guangdong Biological Germplasm Data Sharing Management%基于开放式访问的广东生物种质资源数据共享管理平台架构研究

    Institute of Scientific and Technical Information of China (English)

    李会萍; 谢惠芳; 赵馨; 黄樑

    2012-01-01

    According to the construction situation of the bank of Guangdong biological germplasm and its data resources, this paper analyzed the existing problems of species data sharing and co - establishing. By introducing the technique of o-pening access to data, it proposed a set of constructing method of biological germplasm shared management platform, pro-viding open access of biological germplasm data sharing services to relevant research institutes.%根据广东生物种质资源库及数据资源的建设情况,分析生物种资源数据共建共享方面存在的问题,引入开放式访问技术提出一套生物种质资源教据共享管理平台的构建方法,为相关科研单位提供开放式访问的生物种质资源数据共享服务.

  5. Evaluación del germoplasma de Ilex paraguariensis e Ilex dumosa (Aquifoliaceae Ilex paraguariensis and Ilex dumosa (Aquifoliaceae germplasm evaluation

    Directory of Open Access Journals (Sweden)

    Alexandra Marina Gottlieb

    2011-06-01

    Full Text Available Ilex paraguariensis e I. dumosa constituyen dos especies de gran relevancia económica para nuestro país. Estas comparten muchas características de su biología, aunque se diferencian en composición fitoquímica y resistencia a factores bióticos y abióticos. El objetivo del presente trabajo es evaluar la estructura de la diversidad genética de plantas mantenidas en el Banco de Germoplasma de Yerba Mate y Té de la Estación Experimental del INTA en Cerro Azul (Misiones y de materiales comerciales de yerba mate, mediante el re-análisis de datos AFLP, así como caracterizar las secuencias nucleotídicas de bandas potencialmente diagnósticas de especie. En I. dumosa se detectó, respecto de I. paraguariensis, un nivel de variación molecular dos veces mayor, aunque una menor proporción de bandas privadas. Las secuencias caracterizadas con herramientas bioinformáticas resultan ser nuevas regiones genómicas descriptas para Ilex. Los resultados indican que los materiales estudiados de I. dumosa constituyen un reservorio de variabilidad genética apropiado para el fitomejoramiento de materiales de yerba mate potencialmente comerciales. Asimismo, nuestros resultados apoyan la renovación de estrategias de conservación tendientes a ampliar el acervo genético almacenado, particularmente de yerba mate.Ilex paraguariensis and I. dumosa are species with great economic relevance in Argentina. Both species share several features of their biology, though they differ in phytochemical composition and in their resistance to biotic and abiotic factors. The aim of the present work is to evaluate the structure of the genetic diversity of the plants kept at the Germplasm Bank of Yerba Mate (EEINTACA and also of commercial materials of yerba mate, through a re-analysis of AFLP data and a characterization of the nucleotide sequences of selected AFLP bands. For I. dumosa we have detected a molecular variation level two times higher than the value obtained

  6. THE IMPACT OF GLOBALISATION ON BANKING SERVICE QUALITY IN ZIMBABWE (2003-2008

    Directory of Open Access Journals (Sweden)

    KOSMAS NJANIKE

    2010-01-01

    Full Text Available The study sought to investigate the impact of globalization on the quality of products in a developing economy banking sector. The objectives of the research were to ascertain whether globalisation helps restore or maintain confidence in the banking sector; ensure a sound financial sector; helps reduce fraudulent activities and whether the implementation of global measures improves the quality of products in the banking sector. Zimbabwe banking sector was used as a case study. Questionnaires and interviews were used to collect the data in addition to documentary review. It was found that globalization ensures efficient service delivery as human bank tellers; long queues and underutilisation of internetwere still in existence in the banking system. Globalisation of the banking sector is essential in that it brings new technology which help improve banking services and infrastructure hence reduce fraudulent activities, new risk management techniques and increased confidence in the banking sector.

  7. Corporate governance and banking regulation

    OpenAIRE

    Alexander, Kern

    2004-01-01

    The globalisation of banking markets has raised important issues regarding corporate governance regulation for banking institutions. This research paper addresses some of the major issues of corporate governance as it relates to banking regulation. The traditional principal-agent framework will be used to analyse some of the major issues involving corporate governance and banking institutions. It begins by analysing the emerging international regime of bank corporate governance. This has been...

  8. The Banks and Sustainable Development

    OpenAIRE

    Madzova, Violeta

    2012-01-01

    This paper focuses on the role of the banks in supporting sustainable development. Its objective is to examine recent trends in banking and sustainable development, as well as to assess the implementation and application of the sustainable development policies adopted by the banks in the banking sector in Republic of Macedonia. For that purpose it is made a comprehensive analysis on the trends of “sustainable finance”, as well as research on the practices in the Macedonian banking sector in s...

  9. INTERNAL AUDIT APPROACH IN BANKS

    OpenAIRE

    Victoria STANCIU

    2008-01-01

    Romanian banking system has known in the last years significant changes determined by the implementation of Basel II requirements and governance principles on one hand and assimilation of the EU Directives for the banking sector on the other hand. The function of internal audit is new in the Romanian banks, being implemented as a result of the new regulation established by the Romanian National Bank in the effort to aligne the Romanian banking legislation to the international regulations and ...

  10. Public Disclosure and Bank Failures

    OpenAIRE

    Eduardo Levy Yeyati; Tito Cordella

    1998-01-01

    This paper analyses the impact of public disclosure of banks’ risk exposure on banks’ risk taking incentives and its implications in terms of soundness of the banking system. We find that, when banks have a complete control over the volatility of their loan portfolio, public disclosure reduces the probability of banking crises. When asset risk is driven largely by exogenous factors beyond the control of bank managers, however, information disclosure may increase banking sector fragility, as t...

  11. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

    Full Text Available Banks in Romania offers its customers a wide range of products but which involves both risk taking. Therefore researchers seek to build rating models to help managers of banks to risk of non-recovery of loans and interest. In the following we highlight rating Raiffeisen Bank, BCR-ERSTE Bank and Transilvania Bank, based on the models CAAMPL and Stickney making a comparative analysis of the two rating models.

  12. Risk Assessment for Banking Systems

    OpenAIRE

    Helmut Elsinger; Alfred Lehar; Martin Summer

    2002-01-01

    In this paper we suggest a new approach to risk assessment for banks. Rather than looking at them individually we try to undertake an analysis at the level of the banking system. Such a perspective is necessary because the complicated network of mutual credit obligations can make the actual risk exposure of banks invisible at the level of individual institutions. We apply our framework to a cross section of individual bank data as they are usually collected at the central bank. Using standard...

  13. SEGMENTATION OF SME PORTFOLIO IN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Namolosu Simona Mihaela

    2013-07-01

    Full Text Available The Small and Medium Enterprises (SMEs represent an important target market for commercial Banks. In this respect, finding the best methods for designing and implementing the optimal marketing strategies (for this target are a continuous concern for the marketing specialists and researchers from the banking system; the purpose is to find the most suitable service model for these companies. SME portfolio of a bank is not homogeneous, different characteristics and behaviours being identified. The current paper reveals empirical evidence about SME portfolio characteristics and segmentation methods used in banking system. Its purpose is to identify if segmentation has an impact in finding the optimal marketing strategies and service model and if this hypothesis might be applicable for any commercial bank, irrespective of country/ region. Some banks are segmenting the SME portfolio by a single criterion: the annual company (official turnover; others are considering also profitability and other financial indicators of the company. In some cases, even the banking behaviour becomes a criterion. For all cases, creating scenarios with different thresholds and estimating the impact in profitability and volumes are two mandatory steps in establishing the final segmentation (criteria matrix. Details about each of these segmentation methods may be found in the paper. Testing the final matrix of criteria is also detailed, with the purpose of making realistic estimations. Example for lending products is provided; the product offer is presented as responding to needs of targeted sub segment and therefore being correlated with the sub segment characteristics. Identifying key issues and trends leads to further action plan proposal. Depending on overall strategy and commercial target of the bank, the focus may shift, one or more sub segments becoming high priority (for acquisition/ activation/ retention/ cross sell/ up sell/ increase profitability etc., while

  14. 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.

  15. Kekuatan Eksekusi Hak Tanggungan Sebagai Jaminan Pengembalian Utang Pembiayaan Bermasalah Dalam Praktik PT. Bank Muamalat Indonesia, Tbk Cabang Medan

    OpenAIRE

    Sherhan

    2014-01-01

    Islamic bank as an intermediary institution in which the activities to collect funds and distribute it back to the community with regard to Islamic principles shall banking. Financing prudential aspects of banking activity into one that is very risky because if the Islamic banks provide financing to customers (Mudharib) means Islamic Bank has decided to take on and its manage risk. One of the efforts that have created laws to mitigate the risk of financing problems that arise from the provisi...

  16. IMPACT OF TRADE AREA ENVIRONMENT ON BANK?S COMPARATIVE ADVANTAGES

    OpenAIRE

    Hubrecht-Deville, Aude; Leleu, Hervé

    2008-01-01

    Abstract This paper analyzes the relationship between the comparative advantages of bank branches and the trade area environment. Bank branches are points of sale whose trade environment influences their activities and performance. Comparative advantages are defined, for each output mix, by the strict dominance of a production technology in a specific trade area over the production technologies of other environments. Using Shephard?s output distance functions on a sample of 728 ban...

  17. Identifying active interplate and intraplate fault zones in the western Caribbean plate from seismic reflection data and the significance of the Pedro Bank fault zone in the tectonic history of the Nicaraguan Rise

    Science.gov (United States)

    Ott, B.; Mann, P.

    2015-12-01

    The offshore Nicaraguan Rise in the western Caribbean Sea is an approximately 500,000 km2 area of Precambrian to Late Cretaceous tectonic terranes that have been assembled during the Late Cretaceous formation of the Caribbean plate and include: 1) the Chortis block, a continental fragment; 2) the Great Arc of the Caribbean, a deformed Cretaceous arc, and 3) the Caribbean large igneous province formed in late Cretaceous time. Middle Eocene to Recent eastward motion of the Caribbean plate has been largely controlled by strike-slip faulting along the northern Caribbean plate boundary zone that bounds the northern margin of the Nicaraguan Rise. These faults reactivate older rift structures near the island of Jamaica and form the transtensional basins of the Honduran Borderlands near Honduras. Recent GPS studies suggest that small amount of intraplate motion within the current margin of error of GPS measurements (1-3 mm/yr) may occur within the center of the western Caribbean plate at the Pedro Bank fault zone and Hess Escarpment. This study uses a database of over 54,000 km of modern and vintage 2D seismic data, combined with earthquake data and results from previous GPS studies to define the active areas of inter- and intraplate fault zones in the western Caribbean. Intraplate deformation occurs along the 700-km-long Pedro Bank fault zone that traverses the center of the Nicaraguan Rise and reactivates the paleo suture zone between the Great Arc of the Caribbean and the Caribbean large igneous province. The Pedro Bank fault zone also drives active extension at the 200-km-long San Andres rift along the southwest margin of the Nicaraguan Rise. Influence of the Cocos Ridge indentor may be contributing to reactivation of faulting along the southwesternmost, active segment of the Hess Escarpment.

  18. 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.

  19. Market discipline and incentive problems in conglomerate banks

    NARCIS (Netherlands)

    A.W.A. Boot; A. Schmeits

    1998-01-01

    This paper analyzes the optimal conglomeration of bank activities. Weshow that the effectiveness of market discipline forstand-alone activities (divisions) is of crucial importance for thepotential benefits of conglomeration. We find thateffective market discipline reduces the potential benefits ofc

  20. 12 CFR 250.141 - Member bank purchase of stock of “operations subsidiaries.”

    Science.gov (United States)

    2010-01-01

    ... other words, a wholly owned subsidiary corporation engaged in activities that the bank itself may... the bank either directly, or indirectly through a wholly-owned subsidiary corporation. (j) This... subsidiaries.â 250.141 Section 250.141 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF...

  1. Development prospects of the banking industry in the new EU member countries and forthcoming member countries

    Directory of Open Access Journals (Sweden)

    Marko Košak

    2006-05-01

    Full Text Available Bank consolidation has substantially decreased the number of banks in European banking, which has had important implications for the banking sectors structure in all EU member countries. The consolidation processes have had a tremendous impact on the developments in banking sectors of new EU member countries, wheremajor structural changes have been initiated mostly by new entrant banks from the old EU member countries. The future banking development in new EU member countries will very likely follow some main patterns known from the old EU members. Rather speculative conjectures, which are based on a comparison with banking sectors in other EU member countries indicate, that the total-asset-to-GDPratio in new member countries should further improve in the future. The banking sector growth will be based mostly on the growth of the credit to non-banking sector, while banks are not expected anymore to use non-bank deposits as a predominant way of funding. Instead potentials for alternative funding possibilities should be activated. Although the non-bank financial intermediaries in new EU membersrepresent a serious competition to banks, their relative underdevelopment prevents them from impacting the developments in banking sectors as known from old EU member countries.

  2. EFFECTIVE ANNUAL INTEREST SIGNIFIANCE ON BANKING PRODUCTS PRICE STRUCTURE

    Directory of Open Access Journals (Sweden)

    Medar Lucian-Ion

    2011-06-01

    Full Text Available The importance of the products and services prices can be found in the reference price, that customer must compare it with the price of the last made acquisition. The price of the banking product, that includes the effective annual intrest rate (EAI, is a guide price including all the cost elements related to banking products and services. The price of the products promoted through lending activities, is affected by the exchange rate of national and foreign currency, available on the money market. The role of the banking fee is very important in the specific services and bank products price formation.

  3. Bank behaviour with access to credit risk transfer markets

    OpenAIRE

    Goderis, Benedikt; Marsh, Ian; Vall Castello, Judit; Wagner, Wolf

    2007-01-01

    One of the most important recent innovations in financial markets has been the development of credit derivative products that allow banks to more actively manage their credit portfolios than ever before. We analyse the effect that access to these markets has had on the lending behaviour of a sample of banks, using a sample of banks that have not accessed these markets as a control group. We find that banks that adopt advanced credit risk management techniques (proxied by the issuance of at le...

  4. Electronic Banking, Its Use and Safety. Are There Differences in the Access of Bank Customers by Gender, Education and Age?

    Directory of Open Access Journals (Sweden)

    Belás Jaroslav

    2015-12-01

    Full Text Available Electronic banking is an important area of banking activities, under which the commercial banks try to retain existing clients or attract new customers through a better quality of service and decrease in prices of these services. The aim of the article was to examine selected attributes of security and the use of electronic banking and quantify differences in approach of the bank customers by gender, education and age. Our research confirmed that the dominant part of banking customers use electronic access when managing their personal finances. We found out that there are some differences in the approach of the bank customers in terms of their education. The customers with higher education to a greater extent and more intensively use electronic banking. In the safety area, we did not find any significant differences between banking clients by gender, education and age. The only exception is the finding that clients up to 35 years are significantly more confident in the use of electronic banking through public networks.

  5. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

    Full Text Available Since financial liberalization in the 1980s, non-profit maximizing, stakeholder-oriented banks have outperformed private banks in Europe. This article draws on empirical research, banking theory and theories of the firm to explain this apparent anomaly for neo-liberal policy and contemporary market-based banking theory. The realization of competitive advantages by alternative banks (savings banks, cooperative banks and development banks has significant implications for conceptions of bank change, regulation and political economy.

  6. Ex-situ conservaton of Holstein-Friesian cattle comparing the Dutch, French and USA germplasm collections

    Science.gov (United States)

    Holstein-Friesian (HF) gene bank collections were established in France, the Netherlands and USA in order to conserve as much genetic diversity as possible for this breed. Genetic variability of HF collections within and between countries was assessed and compared with active male HF populations in ...

  7. ROMANIAN BANKING SYSTEM EVOLUTION AND BASEL II REQUIREMENTS

    Directory of Open Access Journals (Sweden)

    Mihaela NICOLAU

    2006-01-01

    Full Text Available Before 1989, Romanian Banking System was structured in the specific way of a centralized economy. Restructuring of the banking system took its first step at the end of 1990 when the newly- established bank, Banca Comercială Română, took over retail operations performed previously by the NBR. Simultaneously, some privately-owned banking companies were established and foreign banks’ branches were integrated into the domestic banking activity, the number of banks almost trebling. The unfriendly economic environment, the poor quality of bank managers and shareholders and cumbersome legal procedures led to an increase in tensions, the poor quality of credit portfolio representing the major difficulty of the banking sector. In the past years, NBR tried to control more thebanking activity by implementing international settlements. More over, since Romania is one of the European Union countries, it is absolutely necessary the harmonization of entire economic and financial system to EU regulations. The paper try to present the position of Romanian banking system in the framework of all these transformations.

  8. DETERMINANTS OF RETURN ON EQUITY OF COOPERATIVE BANKS IN POLAND

    Directory of Open Access Journals (Sweden)

    Anna Bieniasz

    2016-03-01

    Full Text Available The aim of the study was to analyse the diversity of return on equity in the cooperative banks in Poland in 2010– 2014. The analysis was conducted using data of the Polish Financial Supervision Authority, on the basis of a modifi ed decomposition rate of return on equity. Assessment of the rate of return on equity was made in a size of banks, as determined by the value of assets. In addition, in order to determine the strength and direction of impact the individual components of the model on the formation of return on equity method was applied functional. The study suggests that cooperative banks eff ectively use the equity, because the rate of return on equity was signifi cantly higher than the rate of return on assets. The average return on assets in 2010–2014 was relatively lower in the largest banks and ranged from 0.7–0.9%, and the smallest banks return on assets was approximately 1%. In turn, the return on equity was higher at banks with major assets (over 200 million PLN. In 2013–2014 the rate of return both on assets and equity expressly declined. The main determinants of changes in return on equity were changing the multiplier reduction of profi t from banking activities by operating costs and costs of banking risk and return on assets, as well as measured result on banking activities.

  9. Materials information data bank

    Energy Technology Data Exchange (ETDEWEB)

    Mead, K.E.

    1978-03-01

    A major concern in the design of weapons systems is compatibility of materials with each other and with the enclosed environment. Usually these systems require long-term storage and must have high reliability at the end of this storage period. Materials selection is thus based on past experience and on laboratory-accelerated testing to assure this long-term reliability. To assist in materials selection, a computerized materials data bank has been established. In addition to references on personnel and documents, this data bank provides annotated information on materials so that the designer and materials engineer can draw on it for guidance in selecting materials. The primary purpose of the data bank is to provide materials compatibility data. However, the structure of the system permits the data bank to be used for storage and retrieval of general materials information. The data bank storage and information retrieval philosophy is discussed and procedures for information gathering are outlined. Examples of data entries and a list of search routines are presented to demonstrate the usefulness and versatility of the system.

  10. Materials information data bank

    International Nuclear Information System (INIS)

    A major concern in the design of weapons systems is compatibility of materials with each other and with the enclosed environment. Usually these systems require long-term storage and must have high reliability at the end of this storage period. Materials selection is thus based on past experience and on laboratory-accelerated testing to assure this long-term reliability. To assist in materials selection, a computerized materials data bank has been established. In addition to references on personnel and documents, this data bank provides annotated information on materials so that the designer and materials engineer can draw on it for guidance in selecting materials. The primary purpose of the data bank is to provide materials compatibility data. However, the structure of the system permits the data bank to be used for storage and retrieval of general materials information. The data bank storage and information retrieval philosophy is discussed and procedures for information gathering are outlined. Examples of data entries and a list of search routines are presented to demonstrate the usefulness and versatility of the system

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

    Directory of Open Access Journals (Sweden)

    Kashmari A

    2016-04-01

    Full Text Available Development and diversity of electronic banking services is one of the aspects of financial innovation of banks. In Iran’s banking system, the development of multiple channels representing electronic banking services such as SWIFT system, ATM, POS, PIN pads, internet banking, mobile banking and telephone banking are made for more facility in paying money, so today, the development of this channels is one of the most competitive areas between banks for attracting resources. The main purpose of this study is to evaluate this innovation, which needs a heavy cost in terms of money and time, on the share of each bank in attracting deposit as one of the most important goals and competitive tools of a bank. By using Panel Data Vector Autoregressive methods (Panel-VAR and Granger causality test, data of 23 Iranian banks in the 7 years (2007-2013 has been studied. The results show that based on the Granger Causality Test, the number of ATM machines, POS, PIN pad, SWIFT system and amount of banking facilities provided by each bank, has causal relation in explaining the increase of the bank’s share in attracting deposits; but the Market Share was recognized as the cause of the innovation. Also, the causality direction of deposits’ share and the amount of facilities were noticed to be bilateral.

  12. Assessing Jatropha curcas L. germplasm in-situ - A case study

    Energy Technology Data Exchange (ETDEWEB)

    Sunil, N.; Varaprasad, K.S.; Sivaraj, N.; Abraham, Babu [National Bureau of Plant Genetic Resources, Regional Station, Hyderabad 500 030 (India); Suresh Kumar, T. [Fruit Research Station, Acharya N.G. Ranga Agricultural University, Sangareddy, Andhra Pradesh (India); Prasad, R.B.N. [Indian Institute of Chemical Technology, Hyderabad, Andhra Pradesh (India)

    2008-03-15

    A systematic collection of Jatropha curcas germplasm has been carried out from four distinct ecogeographic zones of peninsular India in 2005. This involved recording of passport data, documentation of important plant traits in-situ, ecogeographic parameters and assessment of variability. By using the Soxhlet method, the oil content of 162 collected accessions was estimated, which ranged from 22% to 42%. A method has been developed for identification of superior lines by assessing the phenotypic traits of plants recorded in-situ. This method facilitates selection of promising accessions for multi-location evaluation and hastens the process of utilization of germplasm. The traits for the plus trees of Jatropha have been discussed. (author)

  13. Evaluation of Soybean Germplasm from Provinces in Northeast China for Resistance to Phytophthora sojae

    Institute of Scientific and Technical Information of China (English)

    XU Xiu-hong; PAN Jun-bo; QU Juan-juan; YANG Qing-kai

    2004-01-01

    Soybean Phytophthora root rot (Phytophthora sojae) is a severe disease all over the world. Soybean germplasm from central and southern China for resistance has been evaluated by American researchers on a large scale. P. sojae has been found frequently in northeast of China in recent years, but not systematic evaluation of soybean germplasm for resistance has occurred there. By means of hypocotyl inoculation, 922 cultivars/lines from northeast of China were screened and evaluated for their response to race 1, and 25 of P. sojae. Generally resistance was less frequent in northeast of China than in central and southern China. Five cultivars/lines were identified that confer resistant responses to race 1, 3, 8, 25 and four additional isolates of P. sojae. These cultivars/lines may provide valuable sources of resistance for future breeding programs.

  14. CREDIT RISK MANAGEMENT IN THE COMMERCIAL BANKS IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Mihaela SUDACEVSCHI

    2014-04-01

    Full Text Available Credit risk is one of the main risks faced by a bank. This kind of risk is generated by the crediting activity of the clients. To manage the credit risk, banks should identify the sources of the risk and to monitor their exposures. These activities mean a better knowledge of the existing and potential clients and their financial situations, by implementing new scoring methods. Also, to avoid the credit risk or to reduce losses, the banks could increase the value of guarantees required in regular credit activities, their periodically reassessment and the periodical analysis of the ability of customers to generate cash flows (for corporate clients and get constant income (for retail customers to provide repayment of credits. This paper aims to prevent and to analyze several measures of credit risk management and it assume that banks on the Romanian banking market and to identify some indices used for customers analysis.

  15. Analysis of the World Bank's pharmaceutical lending.

    Science.gov (United States)

    Rodríguez-Monguió, Rosa; Rovira, Joan; Seoane-Vázquez, Enrique

    2007-04-01

    This article analyzes the World Bank's lending activity on pharmaceuticals and medical products (PMP) during the fiscal years (FY) 1999-2001 by regions, borrower and supplier country, and procurement method. Data for the study derived from the World Bank Project and the Business Warehouse databases. The information included all Bank projects approved during the study period. Information for the PMP procurement contracts was extracted for the health sector components of all sector projects awarded. Contract dollar amount was aggregated by borrower and supplier countries. A total of 365 contracts of PMP for a value of US$ 364.5 million (2001 prices) were awarded. International competitive bidding was the most common procurement method used representing 46.0% of the total PMP contracts amount. Domestic providers supplied 52.5% of the PMP contracts managed by the borrower countries. Twenty-two countries accounted for 97.0% of the total PMP purchased during the period of analysis. Only a small fraction of the Bank activity was directed to the pharmaceutical sector. There is a need for more involvement of the World Bank to increase accessibility, affordability and rational use of pharmaceuticals and medical products. An evaluation of the different procurement methods and their implications on drug quality and prices should be performed. PMID:16824640

  16. Factors Influence Development of E-Banking in Malaysia

    Directory of Open Access Journals (Sweden)

    Chai Lee Goi

    2006-10-01

    Full Text Available There are several underlying forces coming together have caused theE-banking development in Malaysia. The development mainly because ofnew marketing strategy especially to create E-Customer RelationshipManagement (E-CRM and to improve banking activities. The otherreasons are development of technology, applications and tools, as wellas supported by the government.

  17. Financial innovation and bank behavior : Evidence from credit markets

    NARCIS (Netherlands)

    Norden, L.; Silva Buston, C.F.; Wagner, W.B.

    2014-01-01

    This paper investigates whether, and through which channel, the active use of credit derivatives changes bank behavior in the credit market, and how this channel was affected by the crisis of 2007–2009. Our principal finding is that banks with larger gross positions in credit derivatives charge sign

  18. Factors Influence Development of E-Banking in Malaysia

    OpenAIRE

    Chai Lee Goi

    2006-01-01

    There are several underlying forces coming together have caused theE-banking development in Malaysia. The development mainly because ofnew marketing strategy especially to create E-Customer RelationshipManagement (E-CRM) and to improve banking activities. The otherreasons are development of technology, applications and tools, as wellas supported by the government.

  19. Predicting the occurrence of sand banks in the North Sea

    NARCIS (Netherlands)

    Veen, van der Henriët H.; Hulscher, Suzanne J.M.H.

    2009-01-01

    Sand banks have a wavelength between 1 and 10 km, and they are up to several tens of meters high. Also, sand banks may have an impact on large-scale human activities that take place in the North Sea like sand mining, shipping, offshore wind farms, etc. Therefore, it is important to know where sand b

  20. Using Soil Seed Banks for Ecological Education in Primary School

    Science.gov (United States)

    Ju, Eun Jeong; Kim, Jae Geun

    2011-01-01

    In this study, we developed an educational programme using soil seed banks to promote ecological literacy among primary school-aged children. The programme consisted of seven student activities, including sampling and setting soil seed banks around the school, watering, identifying seedlings, and making observations about the plants and their…

  1. RELATIONS AMONG WESTERN CORN ROOTWORM RESISTANCE TRAITS AND ELEMENTS CONCENTRATION IN MAIZE GERMPLASM ROOTS

    OpenAIRE

    Andrija Brkić; Ivan Brkić; Emilija Raspudić; Mirjana Brmež; Josip Brkić; Domagoj Šimić

    2015-01-01

    Western corn rootworm – WCR (Diabrotica virgifera virgifera LeConte) is an important maize pest in Croatia. Using native resistance of maize germplasm could reduce chemical treatments and other costs in maize production. Objectives of this study were: i) to assess variability of WCR resistance traits (root injury, regrowth and size) and concentrations of nine elements in roots of 128 maize genotypes, and ii) to determine correlations among the traits and ion concentrations. Res...

  2. A REVIEW ON IN SITU AND EX SITU CONSERVATION STRATEGIES FOR CROP GERMPLASM

    OpenAIRE

    A. Radhika Ramya; Rajesh, V; P.Jyothi; G. Swathi

    2014-01-01

    Plant Genetic Resources (PGR) is the basic material for launching a crop improvement programme. PGR, also known to be germplasm is a vital segment of biodiversity in general and agro-biodiversity in particular, constitute the genetic material of plants having value as a resource for present and future generation of human being (Dhillon and Saxena, 2003; LEISA, 2004). As genetic resource, the PGR may be of reproductive or vegetative propagule such as seeds, shoots, tissues, cells, pollen, DNA ...

  3. Fungal pathogens intercepted in imported germplasm of medicinal and aromatic plants and their quarantine significance

    OpenAIRE

    Usha Dev; P.C. Agarwal; Baleshwar Singh; Dinesh Chand; Jyoti Bhardwaj

    2011-01-01

    (Abstract selected from presentation in National Conference on Biodiversity of Medicinal and Aromatic Plants: Collection, Characterization and Utilization, held at Anand, India during November 24-25, 2010)   International exchange of planting material of medicinal plants germplasm has a significant role in crop improvement programmes as it provides a wide genetic diversity available world wide. However, exchange of the planting material carries an inherent risk of introducing new exotic path...

  4. Genetic diversity of "Pimenta Longa" genotypes (Piper spp., Piperaceae) of the Embrapa Acre germplasm collection

    OpenAIRE

    Wadt Lúcia Helena de Oliveira; Ehringhaus Christiane; Kageyama Paulo Yoshio

    2004-01-01

    The commonly known Pimenta longa is a commercially valuable natural resource found wild in Acre, Brazil. Specifically, three Piperaceae species with contested taxonomic status were studied, Piper hispidinervum, Piper aduncum, and Piper hispidum, to assesses the inter- and intra-specific genetic relationship of 49 Piper genotypes kept in the Pimenta longa germplasm collection at Embrapa Acre, using sixty six Random Amplified Polymorphic DNA (RAPD) markers. The DNA polymorphism level detected w...

  5. 棉属的种质资源%Gossypium Germplasm Resources

    Institute of Scientific and Technical Information of China (English)

    R. G. PERCY

    2002-01-01

    @@ The genetic variability residing in diploid and tetraploid species of the Gossypium genus represents a large, under-utilized resource in current cotton improvement efforts. Genetic diversity in elite germplasm is reported to be narrow. Actual diversity on the land is narrower, due to preferential mass planting of successful cultivars and breeding techniques that tend to promote an over-reliance on a few genotypes.

  6. Resistance against barley leaf rust (Puccinia hordei) in West-European spring barley germplasm

    OpenAIRE

    Niks, Rients; Walther, Ursula; Jaiser, Heidi; Martinez, Fernando; Rubiales, Diego

    2000-01-01

    International audience The level and type of resistance against leaf rust (Puccinia hordei) was determined in modern spring barley germplasm. In field trials all over Europe most accessions were in some locations and years significantly less infected than the moderately resistant reference ,Grit'. Differentiating P. hordei isolates indicated that most accessions carried hypersensitivity (Rph) genes. A virulence survey indicated that among the known resistance genes, only Rph7 is still full...

  7. Screening of soybean germplasm for high inorganic phosphorus and low phytic acid

    OpenAIRE

    S. Abirami, A. Kalamani and T. Kalaimagal

    2014-01-01

    Phytic acid, is the major storage form of phosphorus in soybean [Glycine max (L.) Merr.] which comprises 75% of total seed phosphorus. It decreases the availability of some essential elements via bonding between the negatively charged phytic acid and the positively charged elements. Thus, diets high in phytate may lead to nutrient deficiencies. So, identification of lines with low phytic acid is of paramount importance. A germplasm survey was conducted among 250 soybean accessions to identify...

  8. Genetic diversity and population structure of Miscanthus sinensis germplasm in China.

    Directory of Open Access Journals (Sweden)

    Hua Zhao

    Full Text Available Miscanthus is a perennial rhizomatous C4 grass native to East Asia. Endowed with great biomass yield, high ligno-cellulose composition, efficient use of radiation, nutrient and water, as well as tolerance to stress, Miscanthus has great potential as an excellent bioenergy crop. Despite of the high potential for biomass production of the allotriploid hybrid M. ×giganteus, derived from M. sacchariflorus and M. sinensis, other options need to be explored to improve the narrow genetic base of M. ×giganteus, and also to exploit other Miscanthus species, including M. sinensis (2n = 2x = 38, as bioenergy crops. In the present study, a large number of 459 M. sinensis accessions, collected from the wide geographical distribution regions in China, were genotyped using 23 SSR markers transferable from Brachypodium distachyon. Genetic diversity and population structure were assessed. High genetic diversity and differentiation of the germplasm were observed, with 115 alleles in total, a polymorphic rate of 0.77, Nei's genetic diversity index (He of 0.32 and polymorphism information content (PIC of 0.26. Clustering of germplasm accessions was primarily in agreement with the natural geographic distribution. AMOVA and genetic distance analyses confirmed the genetic differentiation in the M. sinensis germplasm and it was grouped into five clusters or subpopulations. Significant genetic variation among subpopulations indicated obvious genetic differentiation in the collections, but within-subpopulation variation (83% was substantially greater than the between-subpopulation variation (17%. Considerable phenotypic variation was observed for multiple traits among 300 M. sinensis accessions. Nine SSR markers were found to be associated with heading date and biomass yield. The diverse Chinese M. sinensis germplasm and newly identified SSR markers were proved to be valuable for breeding Miscanthus varieties with desired bioenergy traits.

  9. Collection of Oil Palm (Elaeis guineensis Jacq.) Germplasm in the Northern Regions of Ghana

    OpenAIRE

    Sapey, E; K. Adusei-Fosu; D. Agyei-Dwarko; G. Okyere-Boateng

    2012-01-01

    Oil palm germplasm collection was carried out in the Northern Regions of Ghana for evaluation, screening for drought tolerance and further incorporation into breeding programmes of Ghana’s Council for Scientific and Industrial Research (C.S.I.R)-Oil Palm Research Institute (O.P.R.I). The study highlights the collection of 22 oil palm (Elaeis guineensis) accessions from 5 locations in the Northern Regions of Ghana. The Northern Regions are not suitable for oil palm cultivation due to unfavoura...

  10. 12 CFR 552.2-7 - Conversion to National banking association or State bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Conversion to National banking association or State bank. 552.2-7 Section 552.2-7 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE... National banking association or State bank. A Federal stock association may convert to a National...

  11. Framing a Bank

    DEFF Research Database (Denmark)

    Holmgreen, Lise-Lotte

    2012-01-01

    Maintaining a good image and reputation in the eyes of stakeholders is vital to the organisation. Thus, in its corporate communication and discourse the organisation will seek to present itself as favourably as possible while observing regulations stipulating accuracy and precision in the informa......Maintaining a good image and reputation in the eyes of stakeholders is vital to the organisation. Thus, in its corporate communication and discourse the organisation will seek to present itself as favourably as possible while observing regulations stipulating accuracy and precision...... 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...

  12. On Internet Banking

    Directory of Open Access Journals (Sweden)

    Jeffrey E Jarrett

    2015-08-01

    Full Text Available The purpose is to note the likelihood of continued growth of internet banking and commerce as individual consumers purchase more and more products to access the internet and complete both financial and consumer transactions. The growth is commercial and banking services on-line will grow as long as the hardware producers innovate with new faster and easy to use products. The pitfalls include attacks by savage interventionists who attempt to steal information and prevent end-users from employing the internet for purposes with good intentions. A challenge is made to software and hardware producers to use modern methods and techniques to predict where problems exist in internet banking and commerce. Serious solutions are necessary.

  13. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

    Full Text Available ABSTRACT The purpose of this project is in partial fulfilment of the requirements of Bachelor of Science Hon in Information Technology. The Design and development of this Bank customers Management system provides a more secured approach in managing bank customers information which strengthens the relationships between banks and their customers by providing the right solutions that uses a multi-level security to improve customer satisfaction. The technology used in developing this project is ASP.NET and the programming language used to develop this project is C and the IDE used is Microsoft Visual Studio 2013 professional in designing the front end while the back end uses Microsoft SQL Server 2012.

  14. Models of institutional organization of financial markets and banking in Europe

    Directory of Open Access Journals (Sweden)

    Silviu-Sorin Cordovan

    2012-01-01

    Full Text Available The current crisis has led to interpretations in terms of models of organization and regulation of financial and banking system in each region and worldwide. Banking systems in developed countries, characterized by diversity, concentration of financial intermediation activities, enhancing restructuring operations, the availability for foreign relations will split banking systems in two models: the banking systems of continental Europe, which are less specialized and copied on the American model bank , applied in Japan, based on the principle of strict specialization of institutions. This article analyzes the banking systems in Europe and the perspective from these systems.

  15. ORGANIZATION OF NON-BANK FINANCIAL INSTITUTIONS AND THEIR NEED FOR SUPERVISION

    Directory of Open Access Journals (Sweden)

    Medar Lucian-Ion

    2009-11-01

    Full Text Available In order to monitor lending operations, implicitly leading to an increase in money supply, and all financial and non-financial transactions, non-bank financial institutions allow empowered personnel of National Bank of Romania to examine their records, accounts and transactions, providing to this end all the documents and information concerning the management, internal control and operations of non-bank financial institutions, as will be required. Registered non-bank financial institutions carrying out monetary activities are legal persons reporting to the Credit Risk Control of National Bank of Romania, in compliance with the field regulations issued by the above mentioned bank.

  16. ORGANIZATION OF NON-BANK FINANCIAL INSTITUTIONS AND THEIR NEED FOR SUPERVISION

    Directory of Open Access Journals (Sweden)

    Lucian-Ion MEDAR

    2010-06-01

    Full Text Available In order to monitor lending operations, implicitly leading to an increase in money supply, and all financial and non-financial transactions, non-bank financial institutions allow empowered personnel of National Bank of Romania to examine their records, accounts and transactions, providing to this end all the documents and information concerning the management, internal control and operations of non-bank financial institutions, as will be required. Registered non-bank financial institutions carrying out monetary activities are legal persons reporting to the Credit Risk Control of National Bank of Romania, in compliance with the field regulations issued by the above mentioned bank.

  17. [Development of a new type soybean germplasm with null lipoxygenase isozymes].

    Science.gov (United States)

    Han, Fen-Xia; Ding, An-Lin; Sun, Jun-Ming; Li, Gui-Ying

    2005-02-01

    Soybean protein is a kind of high-quality protein composed of balanced amino acids. It contains all kinds of amino acids, especially eight amino acids necessary for human, but also contains some components that are not good for human and affect food quality, such as Lipoxygenase (Lox) and Trypsin inhibitor (Ti). Nutritional value and processing quality of soybean can be improved by means of development of new variety with null Lox and Ti. In this paper, a new type soybean germplasm with null lipoxygenase isozymes was developed by Institute of Crop Sciences, Chinese Academy of Agricultural Sciences through years of biochemical marker assistant selection for null lipoxygenase by means of isoelectric focusing-polyacrylamid gel electrophoresis (IEF-PAGE) in the hybrid progenies of "96P17" (Female parent, a null lipoxygenase 2.3 line) and "93704" (Male parent, a null lipoxygenase 1.3 line). It is the first new soybean germplasm with null Lox1.2.3 genes in our country, which will contribute to soybean breeding for high quality, soybean production and utilization. In this paper, the development process of new type soybean germplasm is described. PMID:15759868

  18. Germplasm and breeding research of tea plant based on DNA marker approaches

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    Tea is the most popular non-alcoholic and healthy beverage worldwide.Tea production contributes greatly to the economy and the job opportunities for many countries in Asia and Africa.Meanwhile,the germplasm of tea,with a huge potential for the future of the whole tea industry,is presently one of the most valuable and fundamental materials for tea breeding and tea biotechnology.DNA molecular markers have been proven to be robust and valuable approaches in the studies of genetic diversity and variation,molecular identification,molecular phylogenetics,genetic stability and integrity of tea germplasm,and the genetic linkage map for breeding of tea.In this paper,a brief prospect on the molecular marker studies of tea has been summarized.The purpose is to provide an effective way for undertaking a massive tea germplasm appraisal and evaluation,to develop new applicable and cheap DNA markers,to establish a high density genetic linkage map and analyze the agronomically important QTLs,and finally,to facilitate the marker assisted early selection and shorten breeding procedures in tea.

  19. High-Molecular-Weight Glutenin Subunit Composition of Chinese Wheat Germplasm

    Institute of Scientific and Technical Information of China (English)

    ZHANG Ling-li; LI Xiu-quan; YANG Xin-ming; LI Hong-jie; WANG Hui; LI Li-hui

    2007-01-01

    The objective of the present study was to characterize the high molecular glutenin subunits (HMW-GS) composition and the presence of 1B/1R translocation in newly developed wheat (Triticum aestivum L.) germplasm, which have one or more traits that are useful in wheat improvement. Sodium dodecyl sulphate polyacrylamide-gel electrophoresis (SDS-PAGE)and acid polyacrylamide-gel electrophoresis (A-PAGE) were used to detect HMW-GS composition and the presence of 1B/1R wheat-rye (Secale cereale L.) chromosome translocation in the wheat germplasm. Bread-making quality scores of these lines were determined. A high level of variations in HMW-GS encoded by Glu-1 locus was observed. Sixteen major HMW-GS, with 30 combinations, were detected. The percentage of cultivars with more than two desirable subunits was 38.7%. Thirteen cultivars had bread-making quality scores of 10 in combination with one or two desirable agronomical traits, such as high-yield potential, dwarfing stem, resistance to diseases, and/or tolerance to abiotic stress. Sixty-eight (36.6%) cultivars possessed 1B/1R translocation. The newly developed germplasm with HMW-GS for good quality can be promising resources for improving bread-making quality of wheat.

  20. Molecular Identification and Cultivar Fingerprints of Prunus persica (L.)Batsch Germplasms

    Institute of Scientific and Technical Information of China (English)

    SUN Shu-xia; LI Jing; JIANG Guo-liang; CHEN Dong; XIE Hong-jiang; TU Mei-yan

    2010-01-01

    [Objective]The aim was to study the molecular identification and cultivar fingerprints of Prunus persica(L.)Batsch germplasms.[Method]Sixty peach genotypes,representing China common local cultivars and European samples were screened by microsatellites(simple sequence repeats,SSRs)and Inter-Simple Sequence Repeat(ISSR)markers.[Result]26 reproducible bands were amplified by Nine SSR primers,and 24 of which were polymorphic; 236 bands were amplified by 30 ISSR primers,and 113 of which were polymorphic.31 genotypes were discriminated with 1-3 distinct polymorphic bands generated from the primers ISSR and SSR.Seven cultivar-specific ISSR fragments and two SSR unique alleles obtained from this study were available to be converted into Sequence Characterized Amplified Region(SCAR)markers.The genetic similarity coefficient(GS)estimated from these molecular data averaged were 0.939(ranged from 0.856 to 0.983)for ISSR and0.646(ranged from 0.240 to 1.000)for SSR,respectively.The combined grouping association indicated that most local Chinese peach cultivars and exotic accessions were clustered together.This could be related to the mode of introduction and maintenance of the peach cultivars involving limited foundation germplasm,exchange of cultivars between plantations,and periodic development of new recombinant cultivars following sexual reproduction.[Conclusion]The results obtained in this work would help to improve the conservation,molecular identification and management of peach germplasm in breeding.