WorldWideScience

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. Quality and bioactive compounds in fruit of foreign accessions of mango conserved in an Active Germplasm Bank1

    Directory of Open Access Journals (Sweden)

    Thalita Passos Ribeiro

    Full Text Available The aim of this study was to characterise the quality and levels of bioactive compounds in the fruit of 22 foreign accessions of the mango belonging to the Active Germplasm Bank of Embrapa Semiárido. Sixty fruits from each of the accessions: Florigon, Haden, 65, Irwin, M 13269, Momi-K, Scuper Many, Simmonds, Tommy Atkins, Van Dyke, Winter, Zill, Amrapali, Olour, Aplle DCG 406, Mon Amon DCG 407, Black Java, Kensington, Chené, Manila, Manzanillo and Maya, were harvested upon reaching physiological maturity, one half being analysed when harvested and the other half stored at ambient temperature (25.4 ± 2.9 ºC and 41 ± 9% RH until ripe. The experimental design was completely randomised in a 22 x 2 factorial (accession x maturity stage, with three replications of ten fruits. The accessions Chene, Momi-K and Van Dyke stood out for their physical attributes: weight, length, diameter and firmness of pulp, and for their good post-harvest conservation. The accession Amrapali was different because of its high levels of soluble solids, total soluble sugars, starch, ascorbic acid and carotenoids, suggesting a high potential for insertion into a breeding program aimed at the quality of the mango.

  3. Genetic diversity in a germplasm bank of Oenocarpus mapora (Arecaceae).

    Science.gov (United States)

    Moura, E F; de Oliveira, M S P

    2012-11-26

    Oenocarpus mapora is an Amazonian palm species commonly used by native populations for food and in folk medicine. We measured genetic variability, using RAPD markers, of material kept in a germplasm bank composed of accessions sampled from the Brazilian Amazon. These included 74 individuals from 23 accessions sampled from 9 localities in three States of the Brazilian Amazon. Jaccard genetic similarities were calculated based on 137 polymorphic bands, amplified by 15 primers. Dendrograms constructed based on the genetic similarities among individuals and sample localities demonstrated genetic separation of Acre State from the States of Amazonas and Pará. Two models in three hierarchical levels were considered for AMOVA: one considering the grouping of sampling sites in each state, and the other considering sampling sites in each subgroup formed by the dendrograms. The first model showed no significant genetic variation among states. On the other hand, genetic variation among subgroups was significant. In this model, the within-sample-site genetic diversity was 47.15%, which is considered to be low, since O. mapora is allogamous. By means of Bayesian analysis, the sample sites were clustered into five groups, and their distribution was similar to what we found in the dendrograms based on genetic similarity.

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

    Directory of Open Access Journals (Sweden)

    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.

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

    Directory of Open Access Journals (Sweden)

    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.

  6. CARACTERIZAÇÃO MORFOLÓGICA DE TANGERINAS DE BANCO ATIVO DE GERMOPLASMA DE CITROS DO CENTRO DE CITRICULTURA SYLVIO MOREIRA/IAC MORPHOLOGICAL CHARACTERIZATION OF MANDARIN FRUITS FROM CITRUS GERMPLASM ACTIVE BANK OF `CENTRO DE CITRICULTURA SYLVIO MOREIRA/IAC'

    Directory of Open Access Journals (Sweden)

    Edson Tobias Domingues

    1999-01-01

    Full Text Available O número de variedades de tangerinas utilizadas economicamente é muito restrito, apesar da importância comercial deste grupo de citros. O Banco Ativo de Germoplasma de Citros do Centro de Citricultura Sylvio Moreira/IAC possui em torno de 383 acessos de tangerineiras e híbridos, os quais têm sido estudados sob o ponto de vista botânico, genético e agronômico. Este trabalho visa descrever por meio de 38 caracteres morfológicos, os frutos das tangerineiras Satsuma Unshiu Wase, Clementina, Mel, Portuguesa, Natsu Mikan, Dancy, Cascalho, Campeona, Mexerica-do-Pará e Mexerica-do-Rio. Foram coletados 30 frutos maduros de cada acesso, sendo 10 frutos por planta, num total de 3 plantas por acesso. As tangerineiras, enxertadas sobre tangerineira Cleópatra e espaçadas de 7,5 m entre linhas por 5,5 m entre plantas, foram estudadas com 8 anos de plantio (safra 1994. Foi observada variabilidade fenotípica acentuada entre os acessos estudados, para a maioria dos caracteres avaliados e verificou-se que muitos caracteres agronômicos desejáveis encontram-se dispersos entre os acessos analisados, podendo vir a ser aproveitados em programas de melhoramento. A análise de agrupamento dos acessos através dos caracteres avaliados quantitativamente pode fornecer indicativos sobre as distâncias filogenéticas entre os diferentes genótipos.The number of mandarin varieties economically explored is very restricted, in spite of their commercial importance. The Active Citrus Germplasm Bank, of the `Centro de Citricultura Sylvio Moreira/IAC' holds around 383 accessions of mandarins and hybrids, which are analyzed in botanical, genetic and agronomic aspects. As a part of this program, this work aims the fruit morphological description through 38 characters of the following mandarins: Satsuma Unshiu Wase, Clementina, Mel, Portuguesa, Natsu Mikan, Dancy, Cascalho, Campeona, Mexerica-do-Pará and Mexerica-do-Rio. The mandarin trees are about 8 years old spaced 7

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

    Directory of Open Access Journals (Sweden)

    Maria Júlia Corazza-Nunes

    2006-09-01

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

  8. The Decline of Traditional Banking Activities

    Directory of Open Access Journals (Sweden)

    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 225.129 - 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....

  10. 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

  11. 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...

  12. Joint analysis of phenotypic and molecular diversity provides new insights on the genetic variability of the Brazilian physic nut germplasm bank.

    Science.gov (United States)

    Alves, Alexandre Alonso; Bhering, Leonardo Lopes; Rosado, Tatiana Barbosa; Laviola, Bruno Galvêas; Formighieri, Eduardo Fernandes; Cruz, Cosme Damião

    2013-09-01

    The genetic variability of the Brazilian physic nut (Jatropha curcas) germplasm bank (117 accessions) was assessed using a combination of phenotypic and molecular data. The joint dissimilarity matrix showed moderate correlation with the original matrices of phenotypic and molecular data. However, the correlation between the phenotypic dissimilarity matrix and the genotypic dissimilarity matrix was low. This finding indicated that molecular markers (RAPD and SSR) did not adequately sample the genomic regions that were relevant for phenotypic differentiation of the accessions. The dissimilarity values of the joint dissimilarity matrix were used to measure phenotypic + molecular diversity. This diversity varied from 0 to 1.29 among the 117 accessions, with an average dissimilarity among genotypes of 0.51. Joint analysis of phenotypic and molecular diversity indicated that the genetic diversity of the physic nut germplasm was 156% and 64% higher than the diversity estimated from phenotypic and molecular data, respectively. These results show that Jatropha genetic variability in Brazil is not as limited as previously thought.

  13. Banking Activity for Sustainable Development

    Directory of Open Access Journals (Sweden)

    Ion Stancu

    2006-08-01

    Full Text Available he corporations gain a power of influence, unthinkable years ago; they have acquired more and more rights and, in some way, govern the life of billions of peoples and of the earth in general. With every right, comes though the responsibility of the conservation and development of the environment in which the corporations act. The banking system has a major role to play in the evolution of the international framework, given its position on the economic stage. Some important banking groups realized this fact and made important steps in the area. The case study of the Holland banking group ABN AMRO proves the complexity of the introduction of sustainable development in the core of the financial business. The implementation is neither easy nor cheap. It implies essential changes in the bank management, in the way to determine the financial policies, in how to choose the clients, the employees, the suppliers etc. Led in an efficient way, sustainable banking implies innovation, creativity and, implicitly, new gains, through creating new products and opening new markets. The international banking community proved, through leading examples (ABN AMRO Bank, HSBC Group, Rabobank Group, JP Morgan Chase, Citigroup etc. that it understands the importance, the necessity and also the viability of the sustainable development.

  14. 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

  15. 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...

  16. Credit and investment activities of commercial banks in Ukraine

    Directory of Open Access Journals (Sweden)

    Olga Zaslavska

    2013-04-01

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

  17. 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...

  18. 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...

  19. 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...

  20. [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.

  1. 12 CFR 347.116 - Recordkeeping and supervision of foreign activities of insured state nonmember banks.

    Science.gov (United States)

    2010-01-01

    ... volatility. Information should be available on sources of liquidity—cash, balances with banks, marketable... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Recordkeeping and supervision of foreign activities of insured state nonmember banks. 347.116 Section 347.116 Banks and Banking FEDERAL...

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

    Directory of Open Access Journals (Sweden)

    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.

  3. 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.

  4. 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

    Directory of Open Access Journals (Sweden)

    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

  5. Elements of banking intermediation in the Algerian Banking system and the means to activate it

    Directory of Open Access Journals (Sweden)

    Habbar Abderezak, Dr.

    2014-06-01

    Banking intermediation raises several interrelated issues for banks, the central bank and the Treasury. It is linked to the gross domestic product, money supply and bank liquidity, etc. These elements will be examined in this article to learn the elements of bank intermediation in the Algerian banking system and ways of strengthening it.

  6. Prudential regulation and surveillance - essential elements of the banking activity

    Directory of Open Access Journals (Sweden)

    Gheorghe, C. A.

    2012-01-01

    Full Text Available Without being an exhaustive study, the analysis aims to identify the intrinsic correlations of essential notions for the banking field - prudence, prudential supervision, international publishing and sanctions, quartered obviously in risk area. We mention that risk, as related to surveillance and caution, represents the possibility of potential, expected or unexpected events to have a negative impact on the bank capital or the bank revenue. We will not use the notion of control, which seems included in that broader surveillance, but we remind that a prudential supervision aims at preventing internal or external risk at a credit institution level, and at avoiding their spread. Macroeconomic prudential supervision is an internal management activity, given the evolution of constraints that come from outside, the change of activity place or the redefinition of prudential rules at national and international level.

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

    Directory of Open Access Journals (Sweden)

    RĂDUCAN LAURA – RAMONA

    2012-05-01

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

  8. 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.

  9. 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...

  10. Assessment the solutions which increase active Internet banking customers (The case study: MellatBank branch of Kish

    Directory of Open Access Journals (Sweden)

    Mehdi Karimi

    2016-12-01

    Full Text Available Providing electronic banking services is one of the major requirements in connection with the development of services and customer satisfaction is a top priority, especially customers who are interested to use modern banking services.One glance at the status quo can be realized bank had not achieved much success in customers use ebanking services. Hence this studyidentifies needs, desires, expectations and opinions with e-banking customers in order to increase the bank's Internet Banking active customers.And helps banks and activists in the field of ebanking to focus on these factors in the formulation of their strategies. This study aimed to investigate solutions to increase the willingness of bank customers to use electronic services.To examine the purpose and hypothesis Technology Acceptance Model Davis chosen with four attitudes, perceived usefulness, ease of understanding and willingness to use the customer.This population consists of applied research consisted of all those within 6 months of the second and third year94 received the bank's internet banking user ID and password.For example, simple sampling method was used and the sample size has been calculated by Cochran 96.The questionnaire used in the survey questionnaire technology adoption is Davis. By professors and experts approved the validity and reliability by Cronbach's alpha (0.83 obtained and structural equation model was used to examine the hypotheses of the study. Results show that the three hypotheses regarding attitudes, perceived usefulness and willingness to use Verified by accepting internet banking and internet banking relationship with the ease of understanding has been rejected.

  11. 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...

  12. Monkey and dung beetle activities influence soil seed bank structure

    OpenAIRE

    Feer, François; Ponge, Jean-François; Jouard, Sylvie; Gomez, Doris

    2013-01-01

    International audience; In Neotropical forests, dung beetles act as efficient secondary dispersers of seeds that are dispersed primarily by red howler monkeys. Here, we investigated the origins of soil seed bank variability in relation to monkey and dung beetle activity, to assess the impact of dung beetles on seed fate, and their adaptability to resource availability. This question is important to better understand the process of tree regeneration, and is especially timely in the current con...

  13. 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

  14. 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

  15. 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.

  16. Chemical Diversity in Lippia alba (Mill.) N. E. Brown Germplasm

    Science.gov (United States)

    Camêlo, Lídia Cristina Alves; Pinheiro, José Baldin; Andrade, Thiago Matos; Alves, Péricles Barreto

    2015-01-01

    The aim of this study was to perform chemical characterization of Lippia alba accessions from the Active Germplasm Bank of the Federal University of Sergipe. A randomized block experimental design with two replications was applied. The analysis of the chemical composition of the essential oils was conducted using a gas chromatograph coupled to a mass spectrometer. The chemical composition of the essential oils allowed the accessions to be allocated to the following six groups: group 1: linalool, 1,8-cineole, and caryophyllene oxide; group 2: linalool, geranial, neral, 1,8-cineol, and caryophyllene oxide; group 3: limonene, carvone, and sabinene; group 4: carvone, limonene, g-muurolene, and myrcene; group 5: neral, geranial, and caryophyllene oxide; and group 6: geranial, neral, o-cymene, limonene, and caryophyllene oxide. PMID:26075292

  17. 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.

  18. UPDATE AND INTERNATIONALIZATION OF THE ISLAMIC BANKING ACTIVITY

    OpenAIRE

    NEGRUŞ, Mariana

    2011-01-01

    The context of the financial crisis started has triggered a flow of funds towards the Islamic financial market, which has turned itself into an alternative to the traditional banking structures. The paper herein includes: stages in the evolution of the Islamic banks; the Islamic principles and how they referred to the international banking standards; the impact of the informational technology on the funds segregation and diversification of the Islamic financial products for non-Muslim customers.

  19. Banking activity. Management by risk assessment and measurement

    Directory of Open Access Journals (Sweden)

    Vasile Gotcu

    2009-12-01

    Full Text Available Rapid innovations in financial markets and the internationalization of the financial flows have created opportunities for developing some new products and supplying a wider product and service range to the banks. Liberalization of the financial markets , the severe competition and the diversification of the offered products expose banks to new risks and provocations. This new approach confirms the fact that the banking management generally and the risk management especially represents essential concern for the security and the stability both of each bank and the entire bankingsystem.

  20. Optimizing the Banking Activity Using Assets & Liabilities Management

    Directory of Open Access Journals (Sweden)

    Vasile Dedu

    2008-10-01

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

  1. 12 CFR 7.5001 - Electronic activities that are part of, or incidental to, the business of banking.

    Science.gov (United States)

    2010-01-01

    ... authority. In determining whether an electronic activity is part of the business of banking, the OCC... circumstances of each case. (d) Activities that are incidental to the business of banking. (1) An electronic... determined that the following electronic activities are incidental to the business of banking, pursuant...

  2. THE PERFORMANCE OF GLOBAL BANKS IN THEIR CROSS-BORDER ACTIVITY

    Directory of Open Access Journals (Sweden)

    Andreea POPOVICI

    2015-04-01

    Full Text Available The crisis that affected the global financial stability and the economy in 2007-09 has reinforced the need to rethink some of the approaches adopted by the financial community in assessing banks’ performance. The aim of this paper is to see if global banks improve their performance due to their cross-border activity, whether we speak about mergers or acquisitions of local banks or we speak about other ways a global bank begins the activity in a different country. As methodology, we will analyze the dynamic of ROAA and ROAE during 2006-2013 in the case of two global banks, Société Générale and Erste Group, and their branches in countries from Central and Eastern Europe. At the end of the paper, we will compare the results for each big bank and their branches.

  3. 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

  4. Flowering and Growth Responses of Cultivated Lentil and Wild Lens Germplasm toward the Differences in Red to Far-Red Ratio and Photosynthetically Active Radiation

    Science.gov (United States)

    Yuan, Hai Y.; Saha, Shyamali; Vandenberg, Albert; Bett, Kirstin E.

    2017-01-01

    Understanding environmental responses of pulse crop species and their wild relatives will play an important role in developing genetic strategies for crop improvement in response to changes in climate. This study examined how cultivated lentil and wild Lens germplasm responded to different light environments, specifically differences in red/far-red ratio (R/FR) and photosynthetically active radiation (PAR). Three genotypes of each the seven Lens species were grown in environmentally controlled growth chambers equipped to provide light treatments consisting of different R/FR ratios and PAR values. Our results showed that overall, days to flower of Lens genotypes were mainly influenced by the R/FR induced light quality change but not by the PAR related light intensity change. The cultivated lentil (L. culinaris) showed consistent, accelerated flowering in response to the low R/FR light environment together with three wild lentil genotypes (L. orientalis IG 72611, L. tomentosus IG 72830, and L. ervoides IG 72815) while most wild lentil genotypes had reduced responses and flowering time was not significantly affected. The longest shoot length, longest internode length, and largest leaflet area were observed under the low R/FR low PAR environment for both cultivated and wild lentils. The distinctly different responses between flowering time and elongation under low R/FR conditions among wild Lens genotypes suggests discrete pathways controlling flowering and elongation, which are both components of shade avoidance responses. The yield and above-ground biomass of Lens genotypes were the highest under high R/FR high PAR conditions, intermediate under low R/FR low PAR conditions, and lowest under high R/FR low PAR light conditions. Three L. lamottei genotypes (IG 110809, IG 110810, and IG 110813) and one L. ervoides genotype (IG 72646) were less sensitive in their time to flower responses while maintaining similar yield, biomass, and harvest index across all three light

  5. 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.

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

    OpenAIRE

    Trygub Olena V.

    2014-01-01

    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 nowad...

  7. RAPD analysis of the genetic diversity of mango (Mangifera indica) germplasm in Brazil.

    Science.gov (United States)

    Souza, I G B; Valente, S E S; Britto, F B; de Souza, V A B; Lima, P S C

    2011-12-14

    We evaluated genetic variability of mango (Mangifera indica) accessions maintained in the Active Germplasm Bank of Embrapa Meio-Norte in Teresina, Piauí, Brazil, using RAPDs. Among these accessions, 35 originated from plantings in Brazil, six from the USA and one from India. Genomic DNA, extracted from leaf material using a commercial purification kit, was subjected to PCR with the primers A01, A09, G03, G10, N05, and M16. Fifty-five polymorphic loci were identified, with mean of 9.16 ± 3.31 bands per primer and 100% polymorphism. Application of unweighted pair group method using arithmetic average cluster analysis demonstrated five genotypic groups among the accessions examined. The genotypes Rosa 41, Rosa 48 and Rosa 49 were highly similar (94% similarity), whereas genotypes Sensation and Rosa 18 were the most divergent (only 7% similarity). The mango accessions were found to have considerable genetic variability, demonstrating the importance of analyzing each genotype in a collection in order to efficiently maintain the germplasm collection.

  8. 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...

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

    Science.gov (United States)

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

  10. Stability in Bank Income through Fee-based Activities

    Directory of Open Access Journals (Sweden)

    R. K. Uppal

    2010-12-01

    Full Text Available This paper is an attempt to study the trends in non-interest income which is a vital source of stability in bank income. For this, the study takes some parameters like interest and non-interest income as a percentage to total income, share of non-interest income components like exchange & brokerage, sale in investment and exchange transaction. On the basis of these parameters the study concludes that interest income is continuously declining due to deregulation in interest rates and non-interest income is rising. Among the non-interest income components, commodity exchange & brokerage witnessed a large share while exchange transaction witnessed a meager part. The paper also gives some ways and means to bring stability in the total income.

  11. 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...

  12. 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...

  13. 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.

  14. 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.

  15. LEGISLATIVE COLLISIONS OF LEGAL REGULATION OF ADMINISTRATIVE ENFORCEMENT WITHIN ACTIVITIES OF NATIONAL BANK OF UKRAINE AND METHODS OF THEIR ELIMINATION

    Directory of Open Access Journals (Sweden)

    Yuriy Pyvovar

    2016-11-01

    bank liquidation decision. Furthermore is concluded that the legal status of the NBU in the banking sector (related to banking activity has peculiarities, which – in total – consecutively define this state authority as: 1 a regulator; 2 a controlling and supervising body; 3 a body with judicial powers. Discussion: Comparative legal research contributed to the conclusion that the legal model that is formulated by legislative acts and is a legal basis for the banking sector conflicts with the Constitution of Ukraine. To solve the detected legal conflict is proposed to implement two main methods.

  16. 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.

  17. 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.

  18. 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.

  19. 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

  20. 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

  1. 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.

  2. The Chinese Banking System

    OpenAIRE

    2012-01-01

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

  3. 12 CFR 211.4 - Permissible activities and investments of foreign branches of member banks.

    Science.gov (United States)

    2010-01-01

    ... foreign branches of member banks. 211.4 Section 211.4 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF... powers, and to the extent consistent with its charter, a foreign branch of a member bank may engage in... been improved; (5) Insurance. Act as insurance agent or broker; (6) Employee benefits program. Pay...

  4. Caracterización mediante microsatélites de 34 accesiones de naranja Citrus sinensis L. Osbeck del Banco de Germoplasma de Corpoica-Palmira Genetic characterization using microsatellites of 34 accessions of the orange, Citrus sinensis L. Osbeck from the Germplasm bank of Corpoica-Palmira

    Directory of Open Access Journals (Sweden)

    Yacenia Morillo Coronado

    2010-01-01

    Full Text Available Se utilizaron 19 marcadores microsatélites para caracterizar 34 accesiones de naranja Citrus sinensis L. Osbeck del Banco de Germoplasma de la Corporación Colombiana de Investigación Agropecuaria (Corpoica-Palmira. Seis marcadores fueron polimórficos, los de mayor heterocigosidad fueron CCSM- 19 (0.4097 y CCSM-3 (0.3254. Se diferenciaron 33 accesiones y al 85% de similitud, con el índice de Nei-Li y el método de agrupamiento UPGMA, se conformaron cuatro grupos. En el primero se situaron dos accesiones blancas (Lerma y Valencia Olinda 2, en el segundo la mayoría de las blancas (Indian River, Valencia Olinda, Wialua, Lima Dulce, Pera del Río, St. Michael, Enterprise, Cafetera No. 1 junto con García Valencia y Navel (Lane Late, Valle Washington, New Hall y dos sanguinas (Rudy Blood, Moro Blood, en el tercero accesiones blancas (Joppa, Salerma, Cuban Queen, Rico, Galicia, Star Calyx, Valencia Cutter, Valencia Frost, Valencia Campbell y Valencia Variegado y una sola accesión sanguina (Morocco Blood. En el cuarto grupo se situaron dos accesiones blancas, (Jaffa y Valencia 1-D-E. Finalmente, la variedad Sanguinella no hizo parte de grupos. Con los marcadores microsatélites no se encontró relación entre los grupos genéticos, formación y las características morfológicas del grupo.To characterize 34 orange accessions Citrus sinensis L. Osbeck from the Germplasm bank Corpoica- Palmira, 19 microsatellite markers were used. Six markers were polymorphic; the highest heterozygosity was obtained by CCSM-19 (0.4097 and CCSM-3 (0.3254. Thirty-three accessions were differentiated; with 85% of similarity, Nei-Li´s index and the UPGMA clustering method were formed fi ve groups. In the first one, two accessions were white (Lerma and Valencia Olinda 2, in the second one most of the white (Indian River, Valencia Olinda, Wialua, Lima Dulce, Pera del Río, St. Michael, Enterprise, Cafetera No. 1, García Valencia and Navel (Lane Late, Valle Washington

  5. 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.

  6. 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...

  7. 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.

  8. 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

  9. Genetic diversity and molecular evolution of Chinese waxy maize germplasm.

    Directory of Open Access Journals (Sweden)

    Hongjian Zheng

    Full Text Available 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.

  10. 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

  11. Diversity in global maize germplasm: characterization and utilization.

    Science.gov (United States)

    Prasanna, B M

    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 is

  12. 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

  13. 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...

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

    Directory of Open Access Journals (Sweden)

    Juan J. Martinez-Nicolas

    2016-07-01

    Full Text Available 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

  15. 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.

  16. FRACTIONAL BANKING

    OpenAIRE

    Maria Klimikova

    2010-01-01

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

  17. 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

  18. Banking and Trading

    NARCIS (Netherlands)

    Boot, A.W.A.; Ratnovski, L.

    2016-01-01

    We study the interaction between relationship banking and short-term arm’s length activities of banks, called trading. We show that a bank can use the franchise value of its relationships to expand the scale of trading, but may allocate too much capital to trading ex post , compromising its ability

  19. Genetic variability analysis of Byrsonima crassifolia germplasm collected in Pará State using ISSR markers.

    Science.gov (United States)

    Rodrigues, S M; Moura, E F; Ramos, G K S; Oliveira, M S P

    2016-10-17

    Native of the Amazon, the nanche (Byrsonima crassifolia) is a fruit cultivated by family farmers and used in cooking; as such, it represents an opportunity for regional agribusiness. The Embrapa Eastern Amazon set up an active germplasm bank (BAG) consisting of 22 accessions sampled in 11 municipalities of Pará State. Due to its economic potential, there is an interest to advance the genetic breeding program of this species. The aim of this study was to characterize the BAG nanche collection using inter-simple sequence repeat (ISSR) markers. Accessions were genotyped using 23 pre-selected ISSR primers resulting in 109 amplified polymorphic and 51 monomorphic bands. With eight polymorphic bands each, the most polymorphic primers were UBC 809 and UBC 848. An unweighted pair-group method with arithmetic average cluster analysis based on Jaccard's coefficient indicated that the individuals clustered into two distinct groups. Accessions Igarapé Açu-2 and Augusto Corrêa-Pl 1 were most similar. The genetic dissimilarity values ranged from 0.10 to 0.59. We conclude that the ISSR markers were efficient in detecting polymorphisms in the nanche accessions, and that it is possible to infer the genetic variability among accessions of the collection. This demonstrate the importance of using molecular markers in poorly studied species and the advantages that this information can bring to the genetic improvement of such species.

  20. 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.

  1. 12 CFR 940.2 - Mission of the Banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Mission of the Banks. 940.2 Section 940.2 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK MISSION CORE MISSION ACTIVITIES § 940.2 Mission of the Banks. The mission of the Banks is to provide to their members' and...

  2. Broadening the U.S. alfalfa germplasm base

    Science.gov (United States)

    Over 4000 alfalfa (Medicago sativa L.) plant introductions (PIs) exist in the USDA-ARS National Plant Germplasm System (NPGS). NAAIC has discussed/proposed pre-breeding efforts to utilize this germplasm for creating pre-commercial alfalfa germplasm. Funding constraints have been one impediment to th...

  3. 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.

  4. 甜瓜种质鉴定的高效引物(引物组合)适用性分析%Suitability Analysis on Highly Active Primers ( Primer Combinations) of Germplasm Identification in Cucumis melo L.

    Institute of Scientific and Technical Information of China (English)

    王掌军; 王建设; 刘生祥; 蒋全熊; 张晓岗; 马宏玮

    2012-01-01

    以30份甜瓜种质资源为材料,采用RAPD(random amplified polymorphic DNA)、DAMD(directed amplification of minisatellite-region DNA)和SRAP(sequence-related amplified polymorphism)3 种分子标记构建各自的DNA指纹图谱.针对图谱上扩增的条带分子量大小和分布,用统计软件逐一聚类,根据不同引物(引物组合)所得聚类图鉴别的品种数目,筛选出高分辨率的4个RAPD引物、3个DAMD引物和6个SRAP引物组合.同时,利用高效引物(引物组合)评价了甜瓜遗传多样性,将30份甜瓜分为薄皮和厚皮两类,厚皮甜瓜包括网纹和无网纹两种类型.%The study constructed each DNA fingerprint map by RAPD, DAMD and SRAP molecular markers in 30 melon germplasms. Statistical software was used to cluster one by one in collection with the dimension and distribution of the molecular weight in the map amplified. Based on the cultivar numbers identified by the clustering map from different primers (primer combinations) , four RAPD primers, three DAMD primers and six SRAP primer combinations with highly distinguished rate were screened. At the same time,the genetic diversity of melons were evaluated by these high active primers (primer combinations) ,30 melons were divided to two kinds, ie,C. melo sp. cono-mom and C. melo sp. melo, C. melo sp. melo included C. melo cantalupo and C. melo reticulatus.

  5. 77 FR 70544 - Agency Information Collection Activities; Proposed Information Collection; Comment Request; Bank...

    Science.gov (United States)

    2012-11-26

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

  6. 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.

  7. 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.

  8. 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

  9. 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...

  10. 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...

  11. QUALITY MANAGEMENT IN BANKING SYSTEM

    OpenAIRE

    2009-01-01

    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

  12. Genetic diversity analysis of salinity related germplasm in cotton

    OpenAIRE

    Lina Zhang; Wuwei Ye; Junjuan Wang; Baoxiang Fan; Delong Wang

    2010-01-01

    In order to study the genetic variation of salinity related cotton germplasm, 47 upland cotton accessions including 23 salinity tolerant materials and 24 salinity sensitive materials were explored using 88 simple sequence repeat (SSR) markers. We detected a total of 338 alleles at 88 SSR loci with an average of 3.841 alleles per locus, 333 of these alleles were detected in salinity tolerant germplasm and 312 alleles in salinity sensitive germplasm. Mean polymorphism information content (PIC),...

  13. 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.

  14. 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.

  15. In vitro conservation of Dendrobium germplasm.

    Science.gov (United States)

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

    2014-09-01

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

  16. 78 FR 15121 - Agency Information Collection Activities; Submission for OMB Review; Comment Request; Bank...

    Science.gov (United States)

    2013-03-08

    ... Review; Comment Request; Bank Secrecy Act/Money Laundering Risk Assessment AGENCY: Office of the... Secrecy Act/Money Laundering Risk Assessment,'' also known as the Money Laundering Risk (MLR) System. The.../Money Laundering Risk Assessment (OMB Control Number 1557-0231)--Extension The MLR System enhances...

  17. 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.

  18. 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

  19. 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.

  20. 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.

  1. THE COMPREHENSIVE ANALYSIS OF THE TURKISH ISLAMIC BANKING SYSTEM AND THE HUNGARIAN BANKING SYSTEM

    OpenAIRE

    Talos, Livia

    2016-01-01

    After the 2008 economic crisis, special attention was given to alternative financing techniques, and so to Islamic banks. During the crisis the stability of the Islamic banks was higher than the stability of the conventional banks.The major source of revenue of the conventional banks is interest and other income from speculative transactions, so a conventional bank can shows higher results than an Islamic bank. Islamic banks operate on religious principles, so many activities are forbidden to...

  2. Genetic Vulnerability and the Relationship of Commercial Germplasms of Maize in Brazil with the Nested Association Mapping Parents.

    Science.gov (United States)

    Andrade, Luciano Rogério Braatz de; Fritsche Neto, Roberto; Granato, Ítalo Stefanine Correia; Sant'Ana, Gustavo César; Morais, Pedro Patric Pinho; Borém, Aluízio

    2016-01-01

    A few breeding companies dominate the maize (Zea mays L.) hybrid market in Brazil: Monsanto® (35%), DuPont Pioneer® (30%), Dow Agrosciences® (15%), Syngenta® (10%) and Helix Sementes (4%). Therefore, it is important to monitor the genetic diversity in commercial germplasms as breeding practices, registration and marketing of new cultivars can lead to a significant reduction of the genetic diversity. Reduced genetic variation may lead to crop vulnerabilities, food insecurity and limited genetic gains following selection. The aim of this study was to evaluate the genetic vulnerability risk by examining the relationship between the commercial Brazilian maize germplasms and the Nested Association Mapping (NAM) Parents. For this purpose, we used the commercial hybrids with the largest market share in Brazil and the NAM parents. The hybrids were genotyped for 768 single nucleotide polymorphisms (SNPs), using the Illumina Goldengate® platform. The NAM parent genomic data, comprising 1,536 SNPs for each line, were obtained from the Panzea data bank. The population structure, genetic diversity and the correlation between allele frequencies were analyzed. Based on the estimated effective population size and genetic variability, it was found that there is a low risk of genetic vulnerability in the commercial Brazilian maize germplasms. However, the genetic diversity is lower than those found in the NAM parents. Furthermore, the Brazilian germplasms presented no close relations with most NAM parents, except B73. This indicates that B73, or its heterotic group (Iowa Stiff Stalk Synthetic), contributed to the development of the commercial Brazilian germplasms.

  3. 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.

  4. 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...

  5. 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...

  6. 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)...

  7. 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...

  8. 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

  9. 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.

  10. 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:

  11. 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

  12. 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.

  13. Evaluation of banks’ foreign banking groups financial condition in Ukraine

    Directory of Open Access Journals (Sweden)

    Ольга Дмитрівна Вовчак

    2016-09-01

    Full Text Available The article explored and analyzed the banks' activities of foreign banking groups in 2013-2015 on a number of absolute and relative indicators, which allowed to determine their place in the banking system of Ukraine and evaluate the effectiveness of their activities. Also the ratings of banks of foreign banking groups in Ukraine's banking are compared on the basis of information from official sources, and their impact in the banking sector in Ukraine is identified

  14. 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.

  15. The World's Crop Plant Germplasm--An Endangered Resource

    Science.gov (United States)

    Wilkes, Garrison

    1977-01-01

    Discusses the fact that many food plants derive from domesticated rather than natural strains, and that natural germplasm or genetic strains used in the plant-improvement process must be carefully preserved. (MLH)

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

    Directory of Open Access Journals (Sweden)

    Jeroen Klomp

    2015-12-01

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

  17. 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

  18. 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.

  19. 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.

  20. 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.

  1. 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?

  2. 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.

  3. 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

  4. 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.

  5. 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.

  6. 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.

  7. 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.

  8. 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.

  9. 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.

  10. 12 CFR 211.23 - Nonbanking activities of foreign banking organizations.

    Science.gov (United States)

    2010-01-01

    ...); armored car services (SIC 7381); management consulting (SIC 8732, 8741, 8742, and 8748); certain rental and leasing activities (SIC 4741, 7352, 7353, 7359, 7513, 7514, 7515, and 7519); accounting,...

  11. Methods of marketing research in banking

    OpenAIRE

    Kraevskiy, B.; Makukhina, Ya.

    2017-01-01

    The paper considers the nature of marketing research in banking activities, the main directions of marketing research in the banking sector, identified tasks that can be solved based on the methods of marketing research. 

  12. Ensuring the Process of Realisation of Financial Planning of Banking Activity

    Directory of Open Access Journals (Sweden)

    Kirkach Svitlana M.

    2014-03-01

    Full Text Available The article studies theoretical aspects of the process of realisation of financial planning of the bank’s activity and identifies and justifies its six main stages: 1 goal formation stage; 2 preparation stage; 3 assessment; 4 financial plan approval; 5 financial plan execution, and 6 stage of the financial plan monitoring, control and adjustment. The above sequence of stages of the process of realisation of financial planning of the bank’s activity allows a trustworthy assessment of the bank’s activity environment, formation of specific goals and tasks of the bank’s activity, and also to determine the ways of their achievement, and so on. The result of the process of realisation of financial planning of the bank’s activity is the bank’s financial plan, which is proposed to divide into four sub-sections: plan of the bank’s assets and liabilities; plan of the bank’s receipts and expenditures; plan of the bank’s cash flows; and plan of forecast values of basic financial indicators of the bank’s activity.

  13. NGOs' Active Roles in the Process of Using Mudaraba as Financing Model in Interest-free Banking

    Directory of Open Access Journals (Sweden)

    M. Salih KUMAŞ

    2016-04-01

    Full Text Available Today, it is commonly accepted fact that conventional banking fails in the fair distribution of economic wealth and in the provision of sustainable economic development. It seems almost impossible for Islamic Banking to be a strong alternative to interest-based banking with its current practice.  That is the reason why the alternative financing methods of Islamic Finance should be improved. In this context, the major obstacle for Islamic Banking to be an alternative to conventional counterpart is that it confines itself to murâbaha financing. Although the Mudaraba financing model suits better to the spirit of Islamic Banking and its historic advancement, it is observed that it is nearly not practiced or cannot be practiced. The reason behind this and major problem of Mudaraba model is having lack of enough entrepreneurs and not being able to raise them. In this sense, we believe that NGOs like MUSIAD and ASKON can contribute for the enhancement of the Islamic Banking as we have witnessed that many NGOs had considerable contributions by taking important roles in the past. This process which sort of means the integration of NGOs and Islamic Banking can be carried out in three stages.

  14. 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.

  15. 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

  16. 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

  17. 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.

  18. Genomic characterization of a core set of the USDA-NPGS Ethiopian sorghum germplasm collection

    Science.gov (United States)

    The USDA Agriculture Research Service National Plant Germplasm System (NPGS) preserves the largest sorghum germplasm collection in the world, which includes 7,217 accessions from the center of diversity in Ethiopia. The characterization of this exotic germplasm at a genome-wide scale will improve co...

  19. The active components of milk in human milk bank%人乳库人乳有效成分研究

    Institute of Scientific and Technical Information of China (English)

    谢恩萍

    2011-01-01

    人乳是新生儿喂养的最佳选择。人乳除了含乳糖、乳清蛋白、脂肪等营养物质,还含有免疫球蛋白、乳铁蛋白、溶菌酶、维生素等有效成分,但人乳库的保存和消毒等处理过程对人乳中的有效成分产生影响。许多研究对不同保存和消毒条件下人乳库中人乳的有效成分进行检测,希望能找到影响最小的保存和消毒方法,尽可能的保留人乳中的有效成分。%Human milk is the optimal feeding choice for neonats, especialy for premature infants. Besides lactose, protein and fat, human milk also contains many kinds of active components, such as immunoglobins,lacferrins, lysozymes, vitamins and so on. Human milk bank has been well developed worldwide, but after cold storage and Pasteurization, many different microcomponents in milk have been affected. There is still controversy on how to preserve and sterilize human milk

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

    OpenAIRE

    Самородов, Б. В.

    2014-01-01

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

  1. Evaluation and characterization of sunflower germplasm accessions for quantitative characters

    Directory of Open Access Journals (Sweden)

    Vikas Kulkarni, I.Shankegoud and M.R. Govindappa

    2015-03-01

    Full Text Available Sunflower germplasm accessions (143 were evaluated for yield and yield contributing characters to study the extentof variation for different quantitative traits. The germplasm accessions were also characterized on qualitative traits. Highest phenotypic and genotypic coefficients of variation were recorded for seed yield per plant (53.4 % and 46.9% respectively followed by head diameter, test weight, plant height,volume weight and oil content. High heritability was noticed for all the traits studied. High heritability coupled with high genetic advance over mean has been recorded for seed yield per plant (77 and 65.1 followed by head diameter, test weight and plant height. It was noticed that sunflower germplasm accessions exhibited wide range of variability for all the morphological characters studied like leaf shape, leaf color, leaf serrations, leaf hairiness, stem hairiness, indicator leaf, petiole anthocyanin, branching, leaf angle, petiole length, stem pigmentation and pollen color.

  2. 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.

  3. 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...

  4. 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.

  5. Bank Regulation and Market Discipline around the World

    OpenAIRE

    2008-01-01

    This paper investigates the effectiveness of depositor discipline and its relationship with various bank regulations and supervisions using a panel of about 17,000 bank-year data during 1992-2002 around 60 countries. We first theoretically show that bank regulations affect deposit interest rate and its sensitivity to bank risk through the bank insolvency risk and the fraction of deposit protection, among others. Then we find empirical evidence that strict regulations on bank activities and po...

  6. The risks of trading by banks

    NARCIS (Netherlands)

    Boot, A.; Ratnovski, L.; Danielson, J.

    2015-01-01

    Liikanen, Vickers, and Volcker all question current banking-trading links. This chapter offers analytic scaffolding for thinking about the separation of banking and trading. Banking generates low risk returns from relationship-based activities; trading generates high-risk returns from short-term con

  7. 12 CFR 5.37 - Investment in bank premises.

    Science.gov (United States)

    2010-01-01

    ... 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) Authority... related investments, loans, or indebtedness, as described in paragraph (d)(1)(i) of this section....

  8. Investment Banking

    OpenAIRE

    Oana Mihaela Vãsioiu

    2008-01-01

    The economic, financial and monetary changes had serious consequences not only on the level of providing the finance necessary for the development process but also on the level of providing the finance required for importing the basic food needs and rendering necessary production inputs. All these problems show the importance of “Banks” generally and “Investment Banks” particularly in the emerging and underdeveloped countries. Banks as financial institution or intermediary mobilize either nat...

  9. 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.

  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. Identification of Tsuga Germplasm by Morphological Characters and RAPD Markers

    Institute of Scientific and Technical Information of China (English)

    ROH Mark S; DE BENEDETTI Laura; JOUNG Young Hee; LEE Nam Sook

    2007-01-01

    Germplasm collection is important to preserve and maximize genetic diversity for germplasm conservation. Tsuga dumosa (D. Don) Eichler in Engler & Prantl. and T. chinensis var. forrestii (Downie) Silba germplasm was collected from three localities in China: Mt. Yulong, Wenfeng Temple and Mt. Dishiergu, Yunnan Province. Accessions were identified based on morphological characters and RAPD markers. The shapes of the apices and margins of needles were examined, and the length and width of needles, cones and seeds from accessions of mature plants were used to compare the morphological differences and to identify the germplasm. Molecular markers generated by randomly amplified polymorphic DNA (RAPD) were also used to characterize the taxa. Although the clustering based on RAPD markers was inconsistent with the morphological characters of the needles, based on the overall morphological characters and on RAPD markers, the accessions from Mt. Yulong and Wenfeng Temple were identified as T. chinensis var. forrestii, and those from Mt. Dishiergu identified as T. dumosa. Taxonomic identification of the accessions was made based on morphology and by RAPD markers concurred. The results indicate that the shapes of the apices and margins of needles particularly from young plants could not be used as a possible key to identify T. dumosa and T. chinensis var. forrestii. Fig 6, Tab 3, Ref 24

  12. 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...

  13. 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...

  14. 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.

  15. 12 CFR 347.115 - Permissible activities for a foreign branch of an insured state nonmember bank.

    Science.gov (United States)

    2010-01-01

    ... CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY INTERNATIONAL BANKING § 347.115 Permissible... documents, if: (1) The guarantee or agreement specifies a maximum monetary liability; and (2) To the extent... applying any legal lending limits. (b) Government obligations. Engage in the following types...

  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. 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.

  18. 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.

  19. 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

  20. 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.

  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. 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.

  3. Multinational banks and development finance

    OpenAIRE

    Weller, Christian E.; 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...

  4. Banking governance: New Approaches

    Directory of Open Access Journals (Sweden)

    Victor Mihăiţă Duţă

    2016-11-01

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

  5. Banking Reform in Georgia

    OpenAIRE

    Mercan, Metin

    2006-01-01

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

  6. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

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

  7. 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.

  8. 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.

  9. 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.

  10. 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.

  11. 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.

  12. 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.

  13. 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

  14. Bank Regulation and Market Discipline around the World

    OpenAIRE

    2004-01-01

    This paper investigates the effectiveness of depositor discipline and its relationship with various bank regulations and supervisions using a panel of about 17,000 bank-year data during 1992-2002 around 60 countries. We first theoretically show that deposit interest rate and its sensitivity to bank risk depend on the bank insolvency risk and the fraction of deposit protection, among others. Then we find evidence that strict regulations on bank activities and powerful supervisory authorities t...

  15. FORMATION AND DEVELOPMENT OF BANK MARKETING IN ARMENIA

    Directory of Open Access Journals (Sweden)

    Sevak U. Nersisyan

    2014-01-01

    Full Text Available This article presents the results of brief investigation of bank marketing in Armenia including its history, development and the current situation. The study objects are the commercial banks in the Republic of Armenia and their marketing activity. The competitiveness of the local and foreign banks is examined as well. Comparison of the market before and after the entry of foreign banks is performed. The role of the advertising in bank marketing is outlined.

  16. 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.

  17. Genetic diversity of sweet sorghum germplasm in Mexico using AFLP and SSR markers

    Directory of Open Access Journals (Sweden)

    Víctor Pecina‑Quintero

    2012-08-01

    Full Text Available The objective of this work was to evaluate the diversity and genetic relationships between lines and varieties of the sweet sorghum (Sorghum bicolor germplasm bank of the National Institute for Forestry, Agriculture and Livestock Research, Mexico, using AFLP and SSR markers. The molecular markers revealed robust amplification profiles and were able to differentiate the 41 genotypes of sweet sorghum evaluated. Analysis of the frequency and distribution of polymorphic fragments allowed for the detection of unique (AFLP and rare (SSR alleles in several genotypes (RBSS‑8, RBSS‑9, RBSS‑25, RBSS‑32, and RBSS‑37, indicating that these markers may be associated with a feature that has not yet been determined or may be useful for the identification of these genotypes. The genetic relationships indicated the presence of at least two types of sweet sorghum: a group of modern genotypes used for sugar and biofuel production, and another group consisting of historic and modern genotypes used for the production of syrups. Sweet sorghum genotypes may be used to develop new varieties with higher sugar and juice contents.

  18. COMPARATIVE STUDY OF COWPEA GERMPLASMS DIVERSITY FROM GHANA AND MALI USING MORPHOLOGICAL CHARACTERISTICS

    Directory of Open Access Journals (Sweden)

    Ibrahima Z. Doumbia

    2013-12-01

    Full Text Available Cowpea improvement can be enhanced by knowledge of genetic diversity available between and within local and regional gene banks. This variability is the foundation of all cowpea improvement programs. A total of 94 accessions (47 from Ghana and 47 from Mali was used for this study. Twelve qualitative and twenty quantitative traits such as flower color, growth habit, raceme position, seed shape, day 50% flowering, day 50% maturity, plant height, seed length and seed weight were used to assess collections. Data collected from different morphological traits were analyzed using XLSTAT 2013. Principal component analysis, scatter plot matrix and clustering separated the accessions according to some qualitative and quantitative traits. Accessions were classified based on their morphological relationships using un-weighted pair-group average Cluster Analysis. Results showed a relatively low level of genetic diversity between and within both germplasm; levels of similarity ranged between 0.95 to 0.069 for combined qualitative and quantitative data. However, some morphological traits discriminated more efficiently between the accessions than others. Few groups of the accessions were different from other accessions for some important traits. Implications of the variability in cowpea improvement are discussed.

  19. Indexação biológica de genótipos de bananeira para o Banana streak virus Germplasm biological indexing for Banana streak virus

    Directory of Open Access Journals (Sweden)

    Daniela Garcia Silveira

    2008-06-01

    Full Text Available O Banco Ativo de Germoplasma (BAG de bananeira é a base do programa de melhoramento genético da Embrapa Mandioca e Fruticultura Tropical. O objetivo deste trabalho foi indexar os acessos do BAG para o vírus das estrias da bananeira (Banana streak virus, BSV. Cada amostra foliar, coletada dos 220 acessos do BAG foi utilizada na inoculação de três plantas de bananeira 'Caipira' produzidas por micropropagação. As plantas foram inoculadas, através da cochonilha vetora Planococcus citri Risso, fornecendo-se um acesso de aquisição de 24 horas e de transmissão de 48 horas. Como controle positivo e negativo foram utilizadas plantas previamente analisadas por PCR, quanto a presença de BSV. Entre 15 e 70 dias após a inoculação, as plantas indicadoras apresentaram os primeiros sintomas. Desta forma, verificou-se que 44 dos 220 acessos estavam infectados com BSV.The Germplasm Active Bank (BAG of banana is the base of the genetic breeding program of Embrapa Cassava and Tropical Fruits. The objective of this work was to index the accessions of the BAG for Banana streak virus (BSV. Each sample collected in the 220 accessions of BAG was used to inoculate three 'Caipira' banana plants, produced by micropropagation. The plants were inoculated using the mealybug Planococcus citri Risso as vector. The vector being allowed an access of acquisition of 24 hours and 48 hours of transmission. Plants were previously analysed by PCR for the presence or absence of BSV were used as positive and negative control, respectively. Between 15 and 70 days after inoculation the test plants showed the first disease symptoms. Using this methodology, it was observed that 44 of the 220 accesses were infected with BSV.

  20. 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

  1. 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

  2. Theoretical Considerations on the Organisation of Banking Supervision and Internal Banking Control

    Directory of Open Access Journals (Sweden)

    Loredana CIURLAU

    2016-09-01

    Full Text Available Prudential supervision of the entities wich make up the banking system from Romania constitute one of the main tasks of the National Bank of Romania which are characterized by a specificity that distinguishes it from its control activities in other areas of social and economic activity. This attribution becomes essential in the activity of the National Bank of Romania as long as the legislature authorizes this institution with an exclusive quality of national authority in this area.

  3. FRAUDULENT TRANSACTIONS WITH BANK PLASTIC CARDS AS A THREAT TO ECONOMIC SECURITY IN THE BANKING SPHERE

    Directory of Open Access Journals (Sweden)

    Elena V. Ilinich

    2013-01-01

    Full Text Available Banks active development of cashless payments by plastic cards, the growing number of fraudulent transactions and the damage they cause, create new challenges and threats to economic security in the sphere of banking activity. The latest information technologies are active used by organized crime groups, the methods of committing crimes are changing and are not yet adequately reflected by banks and law enforcement agencies.

  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. 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

  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. Central bank Financial Independence

    OpenAIRE

    J.Ramon Martinez-Resano

    2004-01-01

    Central bank independence is a multifaceted institutional design. The financial component has been seldom analysed. This paper intends to set a comprehensive conceptual background for central bank financial independence. Quite often central banks are modelled as robot like maximizers of some goal. This perspective neglects the fact that central bank functions are inevitably deployed on its balance sheet and have effects on its income statement. A financially independent central bank exhibits ...

  9. 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.

  10. 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

  11. Predicting Small Bank Failure

    OpenAIRE

    Heyliger, Wilton E.; Don P. Holdren

    1991-01-01

    There are many studies of bank performance and bank failure in the literature. Most of these studies used banking ratios as variables in their models without giving consideration to their appropriateness, nor was much consideration given to the stability of those ratios through time and across asset size. Many studies also failed to recognize that bank structure may differ by asset size. This study evaluates a large number of banking variables in order to identify stable ratios. These ratios ...

  12. 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....

  13. FINANCIAL RISK MANAGEMENT IN TRADE BANKS

    Directory of Open Access Journals (Sweden)

    Ms. Tamara Ye. Kononenko

    2016-09-01

    Full Text Available The paper clarifies the concepts of «risk», «financial risk» in banking business, and considers the main problems of financial risk management in trade banks while financing borrowers. The authors single out the most relevant problems, and conduct the analysis of overdue payment in case of OJSC “Sberbank of Russia”. The authors also offer a number of measures to minimize financial risks in trade bank activities in modern conditions.

  14. 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.

  15. 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.

  16. 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.

  17. Determining redundancy of short-day, onion (Allium cepa L. var. cepa) accessions in a germplasm collection

    Science.gov (United States)

    The U.S. National Plant Germplasm System is one of the world’s largest national genebank networks focusing on preserving the genetic diversity of plants by acquiring, preserving, evaluating, documenting and distributing crop-related germplasm to researchers worldwide. Maintaining viable germplasm co...

  18. 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.

  19. Physiological and molecular characterization of lucerne (Medicago sativa L.) germplasm with improved seedling freezing tolerance

    Science.gov (United States)

    We conducted greenhouse experiments to compare 14 alfalfa germplasms for their survival following freezing. Among these germplasms are collections adapted to the Grand River National Grasslands in South Dakota. Our hypothesis was that these collections developed tolerance to survive the frigid gro...

  20. 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...

  1. 509-45-1: A C. annuum Pepper germplasm containing high concentrations of capsinoids

    Science.gov (United States)

    This publication reports the public release of pepper (Capsicum annuum) germplasm ‘509-45-1’. Pepper germplasm 509-45-1 is a small-fruited, non-pungent single plant selection from PI 645509. Fruit of ‘509-45-1’ contain high concentrations of capsinoids [capsiate ((4-hydroxy-3-methoxybenzyl (E)-8...

  2. 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.

  3. Genomic prediction contributing to a promising global strategy to turbocharge gene banks.

    Science.gov (United States)

    Yu, Xiaoqing; Li, Xianran; Guo, Tingting; Zhu, Chengsong; Wu, Yuye; Mitchell, Sharon E; Roozeboom, Kraig L; Wang, Donghai; Wang, Ming Li; Pederson, Gary A; Tesso, Tesfaye T; Schnable, Patrick S; Bernardo, Rex; Yu, Jianming

    2016-10-03

    The 7.4 million plant accessions in gene banks are largely underutilized due to various resource constraints, but current genomic and analytic technologies are enabling us to mine this natural heritage. Here we report a proof-of-concept study to integrate genomic prediction into a broad germplasm evaluation process. First, a set of 962 biomass sorghum accessions were chosen as a reference set by germplasm curators. With high throughput genotyping-by-sequencing (GBS), we genetically characterized this reference set with 340,496 single nucleotide polymorphisms (SNPs). A set of 299 accessions was selected as the training set to represent the overall diversity of the reference set, and we phenotypically characterized the training set for biomass yield and other related traits. Cross-validation with multiple analytical methods using the data of this training set indicated high prediction accuracy for biomass yield. Empirical experiments with a 200-accession validation set chosen from the reference set confirmed high prediction accuracy. The potential to apply the prediction model to broader genetic contexts was also examined with an independent population. Detailed analyses on prediction reliability provided new insights into strategy optimization. The success of this project illustrates that a global, cost-effective strategy may be designed to assess the vast amount of valuable germplasm archived in 1,750 gene banks.

  4. "Shadow Banking: Policy Challenges for Central Banks"

    OpenAIRE

    Moe, Thorvald Grung

    2014-01-01

    Central banks responded with exceptional liquidity support during the financial crisis to prevent a systemic meltdown. They broadened their tool kit and extended liquidity support to nonbanks and key financial markets. Many want central banks to embrace this expanded role as "market maker of last resort" going forward. This would provide a liquidity backstop for systemically important markets and the shadow banking system that is deeply integrated with these markets. But how much liquidity su...

  5. Genetic divergence among Brazilian turmeric germplasm using morpho-agronomical descriptors

    Directory of Open Access Journals (Sweden)

    Mário Sérgio Sigrist

    2011-01-01

    Full Text Available Turmeric (Curcuma longa L. is a vegetatively-propagated crop which is used as a natural dye in the food industryand also presents many biological active compounds. Turmeric conventional breeding is difficult and often limited to germplasmselection. The aim of this study was to evaluate the genetic divergence among turmeric accessions available in Brazil using sevenmorpho-agronomical descriptors. Overall genetic divergence was low, although some divergent genotypes were identified. Fourmain groups of genotypes were identified and could be further used in breeding programs. Canonical variable analysis suggestedthat some descriptors were more important to discriminate accessions and also that one of the descriptors could be discarded. Theresults provided useful insights for better management of the germplasm collection, optimizing conservational and breeding efforts.

  6. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

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

  7. Efficiency of the Macedonian banking sector

    Directory of Open Access Journals (Sweden)

    Naumovska Elena

    2016-01-01

    Full Text Available The subject of this paper is to measure the efficiency of the Macedonian banking sector by applying two approaches: firstly, comparative analysis on the efficiency indicators of the banking sector in the Republic of Macedonia and the countries of Central and Southeastern Europe (CSEE and secondly, Data Envelopment Analysis (DEA. The aim is to provide directions and guidelines for further strengthening of the Macedonian banking sector. According to the comparative analysis of the efficiency indicators (net interest margin and operating costs of the Macedonian banking sector and the countries of CSEE, the countries whose banking sector shows lower operating costs are characterized with a higher level of financial deepening and greater degree of financial intermediation. The high interest margins direct towards unsuitable allocation of financial resources and insufficient competitiveness in the domestic banking sector. When applying the DEA approach, it can be stated that the group of large banks marks the highest efficiency within the Macedonian banking sector. The high concentration degree of banking activities within the group of large banks with a leading role in determining the interest rates, results in a rigid interest policy of the banks. In the direction of strengthening the efficiency of the Macedonian banking sector as a whole, the obtained results show that it is necessary for the banks to be further consolidated so as to utilize the advantages of the economies of scale, increase competitiveness, offer a diversified structure of products, invest in new contemporary software solutions that will allow reinforcement of their employees’ productivity and long-term reduction of the operating costs, as well.

  8. 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.

  9. 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.

  10. Single nucleotide polymorphism discovery in elite north american potato germplasm

    Directory of Open Access Journals (Sweden)

    De Jong Walter S

    2011-06-01

    Full Text Available Abstract Background Current breeding approaches in potato rely almost entirely on phenotypic evaluations; molecular markers, with the exception of a few linked to disease resistance traits, are not widely used. Large-scale sequence datasets generated primarily through Sanger Expressed Sequence Tag projects are available from a limited number of potato cultivars and access to next generation sequencing technologies permits rapid generation of sequence data for additional cultivars. When coupled with the advent of high throughput genotyping methods, an opportunity now exists for potato breeders to incorporate considerably more genotypic data into their decision-making. Results To identify a large number of Single Nucleotide Polymorphisms (SNPs in elite potato germplasm, we sequenced normalized cDNA prepared from three commercial potato cultivars: 'Atlantic', 'Premier Russet' and 'Snowden'. For each cultivar, we generated 2 Gb of sequence which was assembled into a representative transcriptome of ~28-29 Mb for each cultivar. Using the Maq SNP filter that filters read depth, density, and quality, 575,340 SNPs were identified within these three cultivars. In parallel, 2,358 SNPs were identified within existing Sanger sequences for three additional cultivars, 'Bintje', 'Kennebec', and 'Shepody'. Using a stringent set of filters in conjunction with the potato reference genome, we identified 69,011 high confidence SNPs from these six cultivars for use in genotyping with the Infinium platform. Ninety-six of these SNPs were used with a BeadXpress assay to assess allelic diversity in a germplasm panel of 248 lines; 82 of the SNPs proved sufficiently informative for subsequent analyses. Within diverse North American germplasm, the chip processing market class was most distinct, clearly separated from all other market classes. The round white and russet market classes both include fresh market and processing cultivars. Nevertheless, the russet and round

  11. Genetic diversity analysis of fruit characteristics of hawthorn germplasm.

    Science.gov (United States)

    Su, K; Guo, Y S; Wang, G; Zhao, Y H; Dong, W X

    2015-12-07

    One hundred and six accessions of hawthorn intraspecific resources, from the National Germplasm Repository at Shenyang, were subjected to genetic diversity and principal component analysis based on evaluation data of 15 fruit traits. Results showed that the genetic diversity of hawthorn fruit traits varied. Among the 15 traits, the fruit shape variable coefficient had the most obvious evaluation, followed by fruit surface state, dot color, taste, weight of single fruit, sepal posture, peduncle form, and metula traits. These are the primary traits by which hawthorn could be classified in the future. The principal component demonstrated that these traits are the most influential factors of hawthorn fruit characteristics.

  12. 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.

  13. Tumour banking: the Spanish design.

    Science.gov (United States)

    Morente, M M; de Alava, E; Fernandez, P L

    2007-01-01

    In the last decade the technical advances in high throughput techniques to analyze DNA, RNA and proteins have had a potential major impact on prevention, diagnosis, prognosis and treatment of many human diseases. Key pieces in this process, mainly thinking about the future, are tumour banks and tumour bank networks. To face these challenges, diverse suitable models and designs can be developed. The current article presents the development of a nationwide design of tumour banks in Spain based on a network of networks, specially focusing on its harmonization efforts mainly regarding technical procedures, ethical requirements, unified quality control policy and unique sample identification. We also describe our most important goals for the next years. This model does not correspond to a central tumour bank, but to a cooperative and coordinated network of national and regional networks. Independently from the network in which it is included, sample collections reside in their original institution, where it can be used for further clinical diagnosis, teaching and research activities of each independent hospital. The herein described 'network of networks' functional model could be useful for other countries and/or international tumour bank activities.

  14. Idea Bank.

    Science.gov (United States)

    Science Teacher, 1990

    1990-01-01

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

  15. 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

  16. 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.

  17. Analysis and Assessment of Financial Indicators of Banks in the Context of Ensuring Functioning of the Banking System

    Directory of Open Access Journals (Sweden)

    Samorodov Borys V.

    2013-12-01

    Full Text Available The article studies methods of analysis and assessment of financial indicators of activity of banks, which characterise their solvency, keeping which at a relevant level for each bank ensures functioning of the banking system in general. It offers a number of financial indicators, which should be assessed when determining the credit rating of competitor banks. It demonstrates an approach to identification of the degree of influence of indicators upon the solvency level. It reveals a necessity of comparing when conducting analysis of values of financial indicators of bank activity, which are rated, with relevant values by the group of banks and the whole banking system. In the result of application of the proposed methods it seems possible to assess positive and negative sides of activity of a specific bank compared to its competitors. Moreover, rather high values of analysed financial indicators, compared to other studied banks, could be used as weighty information when conducting PR campaigns carried out by the bank. The bank management should pay attention to low values of financial indicators, which are determined through comparison with competitor banks, and build up a relevant strategy of measures on improvement of the bank activity.

  18. 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...

  19. 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.

  20. 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.

  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. Systemic banking crises

    OpenAIRE

    O. Emre Ergungor; James B. Thomson

    2005-01-01

    Systemic banking crises can have devastating effects on the economies of developing or industrialized countries. This Policy Discussion Paper reviews the factors that weaken banking systems and make them more susceptible to crises.

  3. 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

  4. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

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

  5. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

  6. Idea Bank.

    Science.gov (United States)

    Science Teacher, 1986

    1986-01-01

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

  7. 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 ...

  8. Time banking som ledelsesteknologi

    OpenAIRE

    Steensberg, Maja; Nielsen, Nadia Holm; Thomsen, Søren Tolshave

    2014-01-01

    This project examines how the English time banks Timber Wharf, Echo and Fair Shares affect their members and local environments. Based on Nikolas Rose’s theory on governmentality it is discussed, whether the time banks, understood as political actors, are challenging or reproducing neo-liberal governance. It is concluded that the way the time banks facilitates the concept of timebanking differs greatly. These different conducts are shaping the way in which the time banks are used by their mem...

  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. PHENOTYPIC DIVERSITY OF ALFALFA (MEDICAGO SATIVA L. GERMPLASM

    Directory of Open Access Journals (Sweden)

    Marijana Tucak

    2011-06-01

    Full Text Available The objective of this study was to evaluate phenotypic diversity in the alfalfa germplasm collections using multivariate analysis to examine the extent of genetic diversity and contribution of selected characters to the total diversity and finally to select the most promising clusters/populations for further breeding work. Forty alfalfa populations/cultivars of different geographical origin were evaluated for 12 agro-morphological characters during two consecutive years. The populations/ cultivars were grouped into six clusters. In most cases populations/cultivars within clusters were not associated with their geographical origin. Intercluster distances were larger than the intracluster ones. This research revealed a broad phenotypic diversity within and between the alfalfa germplasm collections. The following characters contributed most to the total phenotypic diversity: dry matter yield in the first production year, plant height and length of central leaflet. Based on the mean value of the evaluated characters and determined distances between clusters, the most promising populations/cultivars belong to the clusters IV and V. Selected populations/cultivars could be considered as a valuable genetic material for the yield and quality improvement of alfalfa in our breeding programme.

  11. 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.

  12. ESSENTIAL PRACTICE OF SYSTEMICALLY IMPORTANT BANKS REGULATION

    Directory of Open Access Journals (Sweden)

    V. Trokhymenko

    2014-12-01

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

  13. 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.

  14. Easier Bank Access

    Institute of Scientific and Technical Information of China (English)

    Wang Jun

    2015-01-01

    Loosened banking regulations may spur an increase of foreign banks in China Foreign banks will soon have a much easier time setting up outlets in China.According to regulations recently amended by the State Council,as of January 1,foreign

  15. 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.

  16. 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

  17. 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

  18. 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

  19. 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.

  20. FOREIGN BANKS APPETITE FOR LIQUIDITY RISK AND THE BANKING SYSTEM STABILITY. CASE STUDY FOR ROMANIA

    OpenAIRE

    Horaţiu Lovin

    2013-01-01

    Foreign banks own a large share of Romanian banking system and proved to be a direct contagion channel for external financial turbulences into the Romanian financial system since September 2008. From the financial stability point of view, liquidity risk emerged as a major source of turmoil for the banking system, being able to cause disruptions in lending activity. Empirical evidence points out a significant impact of credit growth and government fiscal position on liquidity risk management f...

  1. Banking Sector Crises and Related New Regulations in Turkey

    OpenAIRE

    Aykut Kibritcioglu

    2005-01-01

    In Turkey, the financial sector is traditionally dominated by banking activities, and the banking sector experienced several systemic crises since late 1970s. This paper reviews and summarizes the major banking sector problems in the country. It also outlines the latest regulations and reform attempts in Turkey, with particular reference to Turkey's future EU membership.

  2. 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".

  3. International Banking and Liquidity Risk Transmission: Lessons from Across Countries

    OpenAIRE

    Claudia M. Buch; 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 ...

  4. 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...

  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. 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.

  7. 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...

  8. What Role Have Banks in Financial Crises?

    Directory of Open Access Journals (Sweden)

    Alin Marius ANDRIES

    2009-05-01

    Full Text Available Financial crises mainly manifest themselves at the level of financial institutions. Although financial crises can also be generated within non-financial institutions, the role of banking institutions in the occurrence, transmitting and solving of financial crises is a deciding one. Banks play a deciding role in the development of financial crises as financial intermediaries who contribute to the efficient transfer of funds from the abundant agent towards the deficit agents. Banks can facilitate the financial crises through the activities performed on the financial markets that can influence the interest rates, the uncertainty on the market and the price of assets, but moreover bank crises can occur that transform financial crises. This paper aims to analyze the role of banks in the emergence, the propagation, the prevention or solving financial crises.

  9. 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.

  10. 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.

  11. 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.

  12. 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

  13. 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.

  14. 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.

  15. Banking System in Kyrgyz Republic

    OpenAIRE

    Sagbansu, Lutfu

    2006-01-01

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

  16. 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.

  17. SNP Typing for Germplasm Identification of Amomum villosum Lour. Based on DNA Barcoding Markers

    OpenAIRE

    Qionglin Huang; Zhonggang Duan; Jinfen Yang; Xinye Ma; Ruoting Zhan; Hui Xu; Weiwen Chen

    2014-01-01

    Amomum villosum Lour., produced from Yangchun, Guangdong Province, China, is a Daodi medicinal material of Amomi Fructus in traditional Chinese medicine. This herb germplasm should be accurately identified and collected to ensure its quality and safety in medication. In the present study, single nucleotide polymorphism typing method was evaluated on the basis of DNA barcoding markers to identify the germplasm of Amomi Fructus. Genomic DNA was extracted from the leaves of 29 landraces represen...

  18. 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.

  19. 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.

  20. COMMERCIAL BANK LIQUIDITY MANAGEMENT

    OpenAIRE

    KOREKOV A.V.

    2015-01-01

    Bank liquidity management and optimal resource allocation of commercial bank Nostro accounts balances receive much less attention from the scientists compared to the questions on capital structure, funding, credit risk analysis and stress testing. Optimal liquidity management is a way to lower bank costs and risks, which are going to increase over time, especially when money markets are dry of free funds. There are two sides of the issue to be analyzed. The optimal resource allocation and cor...

  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. 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 ...

  3. Reverse osmosis followed by activated carbon filtration for efficient removal of organic micropollutants from river bank filtrate.

    Science.gov (United States)

    Kegel, F Schoonenberg; Rietman, B M; Verliefde, A R D

    2010-01-01

    Drinking water utilities in Europe are faced with a growing presence of organic micropollutants in their water sources. The aim of this research was to assess the robustness of a drinking water treatment plant equipped with reverse osmosis and subsequent activated carbon filtration for the removal of these pollutants. The total removal efficiency of 47 organic micropollutants was investigated. Results indicated that removal of most organic micropollutants was high for all membranes tested. Some selected micropollutants were less efficiently removed (e.g. the small and polar NDMA and glyphosate, and the more hydrophobic ethylbenzene and napthalene). Very high removal efficiencies for almost all organic micropollutants by the subsequent activated carbon, fed with the permeate stream of the RO element were observed except for the very small and polar NDMA and 1,4-dioxane. RO and subsequent activated carbon filtration are complementary and their combined application results in the removal of a large part of these emerging organic micropollutants. Based on these experiments it can be concluded that the robustness of a proposed treatment scheme for the drinking water treatment plant Engelse Werk is sufficiently guaranteed.

  4. 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

  5. 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.

  6. 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

  7. 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.

  8. 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

  9. 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.

  10. Removing bank subsidies leads inexorably to full reserve banking

    OpenAIRE

    Musgrave, Ralph S.

    2013-01-01

    The recent banking crisis laid bare a long standing and inherent defect in fractional reserve banking: the fact that fractional reserve is unlikely to work for long without taxpayer backing. Changing bank regulations in such a way that banks are never a burden on taxpayers leads inexorably to full reserve banking. Full reserve involves splitting the banking industry into two halves. A safe half where depositors earn no interest, but they do have instant access to their money, and a second...

  11. Islamic banks and profitability: an empirical analysis of Indonesian banking

    OpenAIRE

    Jordan, Sarah

    2013-01-01

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

  12. Dual Banking Systems and Interest Rate Risk for Islamic Banks

    OpenAIRE

    Bacha, Obiyathulla I.

    2004-01-01

    In introducing Islamic banking in Malaysia, the basic strategy was to replicate the products/ services offered by conventional banks. The successful implementation of such a strategy has meant that Malaysia today has a truly dual banking system. Islamic banks in Malaysia not only have product similarity with conventional banks but share the same overall economic environment and a common customer base. The ability of non Muslim customers/depositors to switch between the two banking syste...

  13. 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.

  14. THE BANKING SYSTEM OF THE RUSSIAN FEDERATION: STATUS AND PROSPECTS

    Directory of Open Access Journals (Sweden)

    L. N. Sotnikova

    2015-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Sheikh Mohd SULTAN

    2013-12-01

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

  16. 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.

  17. 78 FR 12360 - PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail...

    Science.gov (United States)

    2013-02-22

    ... 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 Application... Assistance (TAA) applicable to workers and former workers of PNC Bank, National Association, Retail...

  18. 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.

  19. Destroy The Bank! (case)

    NARCIS (Netherlands)

    Star, G.J. Van der; Maas, A.

    2016-01-01

    DZ Bank faces some significant challenges for the near future. One of them is the way payments are being made. This case is about Stefan, the Strategic Management Consultant of DZ Bank. He struggles with innovations and new technologies, such as Bitcoins. What does this mean for the future of the ba

  20. Banking and trading

    NARCIS (Netherlands)

    Boot, A.W.A.; Ratnovski, L.

    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

  1. The macroeconomics of banking

    NARCIS (Netherlands)

    van der Kwaak, C.G.F.

    2017-01-01

    This thesis studies the macroeconomic effectiveness of monetary and fiscal policy in an environment where commercial banks are undercapitalized after a financial crisis and have large holdings of (risky) government bonds on their balance sheets. An undercapitalized banking system cannot perfectly el

  2. Optimal central bank transparency

    NARCIS (Netherlands)

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

    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

  3. Optimal central bank transparency

    NARCIS (Netherlands)

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

    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

  4. 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.

  5. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

    Full Text Available We construct a comprehensive measure of overall investment banking competitiveness for follow-on offerings that aggregates the various dimensions of competition such as fees, pricing accuracy, analyst recommendations, distributional abilities, market making prowess, debt offering capabilities, and overall reputation. The measure allows us to incorporate trade-offs that investment banks may use in competing for new or established clients. We find that firms who switch to similar-quality underwriters enjoy more intense competition among investment banks which manifests in lower fees and more optimistic recommendations. Investment banks do compete vigorously for some clients, with the level of competition related to the likelihood of gaining or losing clients. Finally, investment banks not performing up to market norms are more likely to be dropped in the follow-on offering. In contrast, firms who seek a higher reputation underwriter face relatively non-competitive markets.

  6. Genome-wide distribution of genetic diversity and linkage disequilibrium in elite sugar beet germplasm

    Directory of Open Access Journals (Sweden)

    Weißleder Knuth

    2011-10-01

    Full Text Available Abstract Background Characterization of population structure and genetic diversity of germplasm is essential for the efficient organization and utilization of breeding material. The objectives of this study were to (i explore the patterns of population structure in the pollen parent heterotic pool using different methods, (ii investigate the genome-wide distribution of genetic diversity, and (iii assess the extent and genome-wide distribution of linkage disequilibrium (LD in elite sugar beet germplasm. Results A total of 264 and 238 inbred lines from the yield type and sugar type inbreds of the pollen parent heterotic gene pools, respectively, which had been genotyped with 328 SNP markers, were used in this study. Two distinct subgroups were detected based on different statistical methods within the elite sugar beet germplasm set, which was in accordance with its breeding history. MCLUST based on principal components, principal coordinates, or lapvectors had high correspondence with the germplasm type information as well as the assignment by STRUCTURE, which indicated that these methods might be alternatives to STRUCTURE for population structure analysis. Gene diversity and modified Roger's distance between the examined germplasm types varied considerably across the genome, which might be due to artificial selection. This observation indicates that population genetic approaches could be used to identify candidate genes for the traits under selection. Due to the fact that r2 >0.8 is required to detect marker-phenotype association explaining less than 1% of the phenotypic variance, our observation of a low proportion of SNP loci pairs showing such levels of LD suggests that the number of markers has to be dramatically increased for powerful genome-wide association mapping. Conclusions We provided a genome-wide distribution map of genetic diversity and linkage disequilibrium for the elite sugar beet germplasm, which is useful for the application of

  7. Securities and banking: bridges and walls

    Directory of Open Access Journals (Sweden)

    Tommaso Padoa-Schioppa

    2002-09-01

    Full Text Available The paper examines the relationship between banking and securities activities in the light of financial market developments (securitisation, institutionalization of investment, emergence of complex financial instruments, conglomeration and consolidation, with particular reference to Europe. The enhanced links between banking and securitiesbusinesses have generated increased and new risks to financial institutions. However, banks' stability remains crucial for the stability of the financial system as a whole, because of their unique role as provider of liquidity. The paper also addresses the implications of the banking-securities combination for regulatory and supervisory arrangements. The exporting of prudential requirements traditional in banking (such as capital ratios into the securities field, and the importing of securities regulation (such as transparency requirements into the banking sector, can be deemed mutually beneficial. As regards supervision, there is a need to monitor the continued effectiveness of the current framework. This entails strengthening co-operation both at the national level and on a cross-border basis among sectoral supervisors in the micro-prudential field, and between them and central banks in the macro-prudential field.

  8. Analisis Hubungan Kelembagaan Antara Otoritas Jasa Keuangan Dengan Bank Indonesia

    OpenAIRE

    Sigalingging, Bisdan

    2013-01-01

    The independent Financial Service Authority was established to materialize a national economy that can sustainably grow and be stable, especially for the activities in banking sector, to materialize an healthy banking system and to protect the customers’ interest in particular and that of community members in general. The Financial Service Authority has a closed relationship with the other institutions to run its function, duty, authority of regulating and controlling banking activities integ...

  9. 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

  10. 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.

  11. 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...

  12. Bank Specific and Macroeconomics Dynamic Determinants of Credit Risk in Islamic Banks and Conventional Banks

    OpenAIRE

    Waeibrorheem Waemustafa; Suriani Sukri

    2015-01-01

    The study analyzes macroeconomic and bank specific determinants of credit risk in Islamic and Conventional Banks. Multivariate Regression analysis is applied on the sample of 15 conventional banks and 13 Islamic Banks in Malaysia over the period between 2000 and 2010. The finding shows that the banks specific determinants of credit risk are uniquely influenced the credit risk formation of Islamic and Conventional banks. The study found that risky sector financing; regulatory capital (REGCAP) ...

  13. Community in Credit Unions: Has banking regulationimpaired CSR in Australian Customer Owned Banks?

    Directory of Open Access Journals (Sweden)

    Dianne McGrath

    2017-02-01

    Full Text Available This paper presents a sector scan of a sample of Australian Credit Unions and Mutual Banks to examine the CSR reporting from the perspective of the three pillars model proposed by vanOorschot, de Hoog, van der Steen and van Twist (2013. It is argued that the pillar requiringco-operatives to ensure activities which ‘aim for change’, should promote increasing adoptionof CSR. The paper theorises that regulatory requirements imposed in Australia on all bankinginstitutions carry a higher proportional cost to the customer owned banking sector than theshareholder based commercial banks. This consumption of the limited financial resourcesavailable in this sector of banking services, are inhibiting regional Customer Owned Bankingproviders, as co-operative organisations, to fulfil the required co-operative principle to instigatechange for the betterment of communities. This failure could signal the demise of some entitiesin the jurisdiction of Customer Owned Banking.

  14. 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).

  15. 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.

  16. GenBank

    Science.gov (United States)

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

    2017-01-01

    GenBank® (www.ncbi.nlm.nih.gov/genbank/) is a comprehensive database that contains publicly available nucleotide sequences for 370 000 formally described species. These sequences are obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects, including whole genome shotgun (WGS) and environmental sampling projects. Most submissions are made using the web-based BankIt or the NCBI Submission Portal. GenBank staff assign accession numbers upon data receipt. Daily data exchange with the European Nucleotide Archive (ENA) and the DNA Data Bank of Japan (DDBJ) ensures worldwide coverage. GenBank is accessible through the NCBI Nucleotide database, which links to related information such as taxonomy, genomes, protein sequences and structures, and 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. Recent updates include changes to policies regarding sequence identifiers, an improved 16S submission wizard, targeted loci studies, the ability to submit methylation and BioNano mapping files, and a database of anti-microbial resistance genes. PMID:27899564

  17. 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.

  18. 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.

  19. PERBANDINGAN PENGHASILAN TABUNGAN MUDHARABAH NASABAH BANK SYARIAH (Studi Kasus pada Bank Syariah Mandiri, Bank Negara Indonesia Syariah, dan Bank Muamalat Indonesia di Makassar)

    OpenAIRE

    ALIMULA, YULIANA

    2014-01-01

    2014 Perbandingan Penghasilan Tabungan Mudharabah Nasabah Bank Syariah (Studi Kasus pada Bank Syariah Mandiri, Bank Negara Indonesia Syariah, dan Bank Muamalat Indonesia di Makassar) Profit Sharing Comparison of Mudharabah Saving of Islamic Banking (A Case Study at Bank Syariah Mandiri, Bank Negara Indonesia Syariah, and Bank Muamalat Indonesia in Makassar) Yuliana Alimula Alimuddin Muhammad Ashari Penelitian ini bertujuan un...

  20. 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...

  1. 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

  2. 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.

  3. 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.

  4. Sensitivity of Czech Commercial Banks to a Run on Banks

    Directory of Open Access Journals (Sweden)

    Klepková Vodová Pavla

    2015-06-01

    Full Text Available The aim of this paper is to thoroughly evaluate the sensitivity of Czech commercial banks to a run on banks. Our sample includes a significant part of the Czech banking sector in the period 2006-2013. We use three liquidity ratios that we stress via a stress scenario simulating a run on banks accompanied by a 20% withdrawal rate of deposits.We measure the impact of the scenario by the relative changes of these ratios. The results show that, in spite of a decrease in liquidity, most Czech banks would be able to finance such a scenario. The financial crisis influenced bank sensitivity to a run, but with a significant time lag. The severity of the impact of the bank run increases with the size of the bank; large banks are the most vulnerable. The resilience of banks is also determined by their strategy for liquidity risk management.

  5. 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.

  6. 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.

  7. METHODS OF ANALYSIS OF THE FINANCIAL STATEMENTS OF BANKS

    Directory of Open Access Journals (Sweden)

    Natal’ya A Prodanova

    2016-01-01

    Full Text Available The article discusses the features of banking activities, objectives and functions of banks, they are fundamentally different from the activity of the company any other independent of the economic sphere, the role of credit institutions in society and the need for their existence in order to maintain the country’s economy as a whole. The author stresses that banks should not only be multi-functional and operational, but also to meet all the requirements of reliability and stability. The article provides a method for analyzing the nancial condition of banks.

  8. Cord-Blood Banking

    Science.gov (United States)

    ... blood banks may capitalize on the fears of vulnerable new parents by providing misleading information about the statistics of stem cell transplants. Parents of children of ethnic or racial minorities, adopted children, or ...

  9. 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.

  10. Cord-Blood Banking

    Science.gov (United States)

    ... lymphoma , aplastic anemia , severe sickle cell disease , and severe combined immunodeficiency . There are two types of banks that store ... For Kids For Parents MORE ON THIS TOPIC Severe Combined Immunodeficiency Birthing Centers and Hospital Maternity Services A Guide ...

  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. 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...

  13. The Systemic Banking Crisis of 2014-2015 in Ukraine: Causal Relationship

    Directory of Open Access Journals (Sweden)

    Biletska Nataliya V.

    2016-02-01

    Full Text Available The aim of the article is to study the concept of systemic banking crisis in scientific and practical literature as well as determine the causes and consequences of systemic banking crises on the example of the Ukrainian banking system for the last two years. The definitions of “banking crisis”, “systemic banking crisis” have been considered and our own vision of the theoretical aspect of a systemic banking crisis has been suggested. The features of systemic banking crises, in particular the crisis of 2014—2015, through the prism of social, political, economic, micro- and macroeconomic factors have been identified. The consequences, to which it led the Ukrainian banking system, and its impact on the population living standards have been examined. The dynamics of main indicators of the banking activity in Ukraine over the last five years has been analyzed, and a few basic points, which require the investors’ attention when choosing a bank, have been suggested.

  14. 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.

  15. 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...... 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.......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...

  16. 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.

  17. Opaqueness and Bank Risk Taking

    Directory of Open Access Journals (Sweden)

    Patrick Behr

    2012-12-01

    Full Text Available This paper investigates the relationship between opaqueness and bank risk taking. Using a sample of 199 banks from 38 countries over the period January 1996 to December 2006, I analyze whether more opaque banks are riskier than less opaque banks. I find suggestive evidence that commonly used proxies for bank opaqueness are significantly related to bank risk taking as measured by the Merton PD and the bank-individual Z-score, even after accounting for potential simultaneity between risk taking and opaqueness. More opaque banks seem to engage more in risk taking than less opaque banks. This result provides support to the common view that bank opaqueness is problematic and that transparency among financial institutions should be increased.

  18. 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.

  19. Evaluation of corn germplasm lines for multiple ear-colonizing insect and disease resistance.

    Science.gov (United States)

    Ni, Xinzhi; Xu, Wenwei; Blanco, Michael H; Wilson, Jeffrey P

    2012-08-01

    Ear-colonizing insects and diseases that reduce yield and impose health threats by mycotoxin contaminations in the grain, are critical impediments for corn (Zea mays L.) production in the southern United States. Ten germplasm lines from the Germplasm Enhancement of Maize (GEM) Program in Ames, IA, and Raleigh, NC, and 10 lines (derived from GEM germplasm) from the Texas Agricultural Experiment Station in Lubbock, TX, were examined in 2007 and 2008 with local resistant and susceptible controls. Four types of insect damage and smut disease (Ustilago maydis) infection, as well as gene X environment (G X E) interaction, was assessed on corn ears under field conditions. Insect damage on corn ears was further separated as cob and kernel damage. Cob penetration rating was used to assess corn earworm [Helicoverpa zea (Boddie)] and fall armyworm [Spodoptera frugiperda (J.E. Smith)] feeding on corn cobs, whereas kernel damage was assessed using three parameters: 1) percentage of kernels discolored by stink bugs (i.e., brown stink bug [Euschistus serous (Say)], southern green stink bug [Nezara viridula (L.)], and green stink bug [Chinavia (Acrosternum) hilare (Say)]; 2) percentage of maize weevil (Sitophilus zeamais Motschulsky)-damaged kernels; and 3) percentage of kernels damaged by sap beetle (Carpophilus spp.), "chocolate milkworm" (Moodna spp.), and pink scavenger caterpillar [Pyroderces (Anatrachyntis) rileyi (Walsingham)]. The smut infection rates on ears, tassels, and nodes also were assessed. Ear protection traits (i.e., husk tightness and extension) in relation to insect damage and smut infection also were examined. Significant differences in insect damage, smut infection, and husk protection traits were detected among the germplasm lines. Three of the 20 germplasm lines were identified as being multiple insect and smut resistant. Of the three lines, entries 5 and 7 were derived from DKXL370, which was developed using corn germplasm from Brazil, whereas entry 14 was

  20. Development of Pineapple Microsatellite Markers and Germplasm Genetic Diversity Analysis

    Directory of Open Access Journals (Sweden)

    Suping Feng

    2013-01-01

    Full Text Available Two methods were used to develop pineapple microsatellite markers. Genomic library-based SSR development: using selectively amplified microsatellite assay, 86 sequences were generated from pineapple genomic library. 91 (96.8% of the 94 Simple Sequence Repeat (SSR loci were dinucleotide repeats (39 AC/GT repeats and 52 GA/TC repeats, accounting for 42.9% and 57.1%, resp., and the other three were mononucleotide repeats. Thirty-six pairs of SSR primers were designed; 24 of them generated clear bands of expected sizes, and 13 of them showed polymorphism. EST-based SSR development: 5659 pineapple EST sequences obtained from NCBI were analyzed; among 1397 nonredundant EST sequences, 843 were found containing 1110 SSR loci (217 of them contained more than one SSR locus. Frequency of SSRs in pineapple EST sequences is 1SSR/3.73 kb, and 44 types were found. Mononucleotide, dinucleotide, and trinucleotide repeats dominate, accounting for 95.6% in total. AG/CT and AGC/GCT were the dominant type of dinucleotide and trinucleotide repeats, accounting for 83.5% and 24.1%, respectively. Thirty pairs of primers were designed for each of randomly selected 30 sequences; 26 of them generated clear and reproducible bands, and 22 of them showed polymorphism. Eighteen pairs of primers obtained by the one or the other of the two methods above that showed polymorphism were selected to carry out germplasm genetic diversity analysis for 48 breeds of pineapple; similarity coefficients of these breeds were between 0.59 and 1.00, and they can be divided into four groups accordingly. Amplification products of five SSR markers were extracted and sequenced, corresponding repeat loci were found and locus mutations are mainly in copy number of repeats and base mutations in the flanking region.

  1. Multivariate analysis of quantitative traits can effectively classify rapeseed germplasm

    Directory of Open Access Journals (Sweden)

    Jankulovska Mirjana

    2014-01-01

    Full Text Available In this study, the use of different multivariate approaches to classify rapeseed genotypes based on quantitative traits has been presented. Tree regression analysis, PCA analysis and two-way cluster analysis were applied in order todescribe and understand the extent of genetic variability in spring rapeseed genotype by trait data. The traits which highly influenced seed and oil yield in rapeseed were successfully identified by the tree regression analysis. Principal predictor for both response variables was number of pods per plant (NP. NP and 1000 seed weight could help in the selection of high yielding genotypes. High values for both traits and oil content could lead to high oil yielding genotypes. These traits may serve as indirect selection criteria and can lead to improvement of seed and oil yield in rapeseed. Quantitative traits that explained most of the variability in the studied germplasm were classified using principal component analysis. In this data set, five PCs were identified, out of which the first three PCs explained 63% of the total variance. It helped in facilitating the choice of variables based on which the genotypes’ clustering could be performed. The two-way cluster analysissimultaneously clustered genotypes and quantitative traits. The final number of clusters was determined using bootstrapping technique. This approach provided clear overview on the variability of the analyzed genotypes. The genotypes that have similar performance regarding the traits included in this study can be easily detected on the heatmap. Genotypes grouped in the clusters 1 and 8 had high values for seed and oil yield, and relatively short vegetative growth duration period and those in cluster 9, combined moderate to low values for vegetative growth duration and moderate to high seed and oil yield. These genotypes should be further exploited and implemented in the rapeseed breeding program. The combined application of these multivariate methods

  2. 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.

  3. Foreign trends in the evaluation of sustainability of banking system

    OpenAIRE

    SUROVNEVA K.A.

    2016-01-01

    The aim of this paper is to study foreign practice of banking sector stability assessment, as well as identifying trends shaping systems of assessing the state of the financial system. Special place in the article is given to active development of international organizations and supervisory authorities of countries for estimating reliability of credit institutions, as well as models of stress-testing for banking sector. The estimation of financial stability of the banking system based on mark...

  4. 基于基因组学的作物种质资源研究:现状与展望%Genomics-Based Crop Germplasm Research: Advances and Perspectives

    Institute of Scientific and Technical Information of China (English)

    黎裕; 李英慧; 杨庆文; 张锦鹏; 张金梅; 邱丽娟; 王天宇

    2015-01-01

    样性分析、新基因发掘和种质创新等方面的应用情况及其发展趋势.提出了今后的发展方向和工作重点,强调把基因组学理论和方法与作物种质资源研究紧密结合,为种质资源的有效保护和高效利用提供强有力的理论、技术、材料与信息支撑.%The scale of activities related to crop germplasm is massive, including basic work (germplasm collecting, documentation, multiplication, conservation, regeneration, distribution and information system establishment, etc.), basic research (studies on crop origin, domestication and dispersal, germplasm classification, ethnobotany, indigenous knowledge, etc.), and applied basic research (genetic diversity assessment, precise phenotypic evaluation of important traits, germplasm genotyping, gene discovery and allele mining, germplasm enhancement etc.). With the efforts in the last century, the basic work on crop germplasm has been very fruitful and the system of crop germplasm conservation and utilization has been established in the world. Because the traditional ideas and methodologies based on morphology had their innate disadvantages, however, the basic research and the applied basic research had developed along at an agonizingly slow pace before genomics appeared. With rapid development of molecular marker technology and next-generation sequencing technology, theories and techniques of genomics have extended to multi-faceted germplasm research, resulting in revolutionary changes of conception and methodology in germplasm conservation, in-depth research and utilization. The achievements made in genomics provide not only theoretical guidance to collecting and conservation of crop germplasm, but also core theories and techniques to clarify crop origin and evolution. Meanwhile, genomics has the power to promote the efficiency of gene discovery and germplasm enhancement. Especially, the rapid development of whole genome sequencing, genome re-sequencing and

  5. 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.

  6. [Computerization of hospital blood banks in France].

    Science.gov (United States)

    Daurat, G; Py, J-Y

    2012-11-01

    In France, most blood products are delivered by the établissement francais du sang, directly to the recipients, and hospital blood banks deliver a minor part, but are independent from it. However that may be, hospital blood banks are hazardous activities regarding to recipients, blood products, blood supply of the hospital and regional blood supply. Because of the high risk level, a computerized information system is compulsory for all hospital blood banks, except for those only devoted to vital emergency transfusion. On the field, the integration of computerization in the different processes is very heterogeneous. So, it has been decided to publish guidelines for computerizing hospital blood banks information systems and production management. They have been built according to risk assessment and are intended to minimize those risks. The principle is that all acquisition and processing of data about recipients or blood products and tracking, must be fully computerized and that the result of all manual processes must be checked by computer before proceeding to the next step. The guidelines list the different processes and, for each of them, the functions the software must play. All together, they form the basic level all hospital blood banks should reach. Optional functions are listed. Moreover, the guidelines are also aimed to be a common tool for regional health authorities who supervise hospital blood banks.

  7. 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

  8. River Bank Erosion at the Intra-Event Timescale: Implications for Bank Sediment Delivery

    Science.gov (United States)

    Darby, S. E.; Rinaldi, M.

    2004-12-01

    Bank erosion is often a significant contributor to catchment sediment yield. However, it has proved difficult to gain insight into the relationship between erosion events that supply bank material to river systems, and associated variations in fluvial sediment flux. One of the difficulties has been that there is a mismatch in our capability to quantify processes at relevant timescales. Thus, while fluvial flux can readily be monitored quasi-continuously during competent flow events, studies of bank erosion processes have largely been focused at the event timescale. A lack of sub-event scale data is understandable given the difficulties involved in accessing river banks during competent flows. Nevertheless, bank sediment delivery processes involve a combination of (quasi-continuous) fluvial erosion and (quasi-discrete) mass-wasting processes. Moreover, relatively little research has been focused on the dynamic interactions between these two groups of processes, especially in terms of quantifying the extent to which different bank erosion processes might dominate in different environments. To address these issues, we have been investigating bank sediment delivery processes at two study sites. The Fiume Cecina (central Italy) is an actively migrating (c. 10 m/yr) gravel-bed river, which constrasts with the River Asker (southern UK), a gravel-bed river with relatively slow (c. 0.1 m/yr) retreat rates. At each site we have developed simulation models to predict modes of bank sediment delivery during observed flow events. Our approach follows previous investigations in that event hydrographs are initially discretised into a series of time steps. Finite-element seepage analysis and slope-stability modelling software packages are then used to simulate bank pore water pressure and mass-failure conditions at each time step, to quantify their evolution throughout the flow event. Where our approach differs from previous studies is that we have used Computational Fluid Dynamics

  9. 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.

  10. 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.……

  11. 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.

  12. 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...

  13. 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.

  14. Modelling of Systemic Risk of Banking Sector

    Directory of Open Access Journals (Sweden)

    Laura Gudelytė

    2014-03-01

    Full Text Available Purpose – to evaluate the general networking and simulation approaches of modelling of systemic risk and the financial contagion and their ability to assess the banking sector resilience in the case of external economic shocks and collapse of idiosyncratic financial institutions.Design/methodology/approach – a general overview of research papers presenting concepts and methodologies of assessment of systemic risk of the banking sector.Findings – limitations of the networking approach and possible ways to improve modelling of systemic risk. The network approach cannot explain the causes of initial default of bank. On the other hand, assumptions made on LGD and interbank exposures are very strong. These features are important limitations of network and simulation approaches.Research limitations/implications – the application of reviewed methods in the case of Lithuanian banking sector falls, however, due to the lack of exhaustive data. On the other hand, until now, applied methods for systemic risk due to the lack of data have been limited. Also, because of this reason, there are difficulties to create adequate dynamic assessment for systemic risk models. Therefore, in assessing systemic risk of the banking sector, the same problem remains: is it possible to parameterize the financial crisis, its spread and speed and other characteristics according to quantitative methods. Knowing the liquidity, credit risk and other standards set in Basel Accords, it is also not enough to properly manage the systemic risk of the whole banking sector because for the proper activity of the banking sector not only characteristics related to capital requirements have influence on it, but also external (mostly the macroeconomic, political factors.Practical implications – determination of the explicit connection based on quantitative methods determining the systemic risk of the banking sector would be exact and objective assessment and useful not only for the

  15. 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.

  16. Competition and bank risk: the effect of securitization and bank capital

    OpenAIRE

    Marqués-Ibáñez, David; Altunbas, Yener; van Leuvensteijn, Michiel

    2014-01-01

    We find that the increased use of securitisation activity in the banking sector prior to the 2007- 2009 crisis augmented the effect of competition on realised bank risk (i.e. more intense competition and greater use of securitisation is correlated with higher levels of realised risk) during the crisis. In contrast, higher levels of capital did not buffer the impact of competition on realised risk. It follows that cooperation between supervisory and competition authorities is warranted to acco...

  17. 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.

  18. 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.

  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. 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.

  1. 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.

  2. 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.

  3. Human Milk Banking.

    Science.gov (United States)

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

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

  4. 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.

  5. Can taxes tame the banks?

    DEFF Research Database (Denmark)

    Devereux, Michael P.; Johannesen, Niels; Vella, John

    In the wake of the financial crisis, a number of countries have introduced levies on bank borrowing with the aim of reducing risk in the financial sector. This paper studies the behavioral responses to the bank levies and evaluates the policy. We find that the levies induced banks to borrow less...... but also to hold more risky assets. The reduction in funding risk clearly dominates for banks with high capital ratios but is exactly offset by the increase in portfolio risk for banks with low capital ratios. This suggests that while the levies have reduced the total risk of relatively safe banks...

  6. 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.

  7. 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.

  8. 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.

  9. Population structure and linkage disequilibrium in elite barley breeding germplasm from the United States

    Institute of Scientific and Technical Information of China (English)

    Hao ZHOU; Gary MUEHLBAUER; Brian STEFFENSON

    2012-01-01

    Cultivated barley is known to have a complex population structure and extensive linkage disequilibrium (LD).To conduct robust association mapping (AM) studies of economically important traits in US barley breeding germplasm,population structure and LD decay were examined in a complete panel of US barley breeding germplasm (3840 lines) genotyped with 3072 single nucleotide polymorphisms (SNPs).Nine subpopulations (sp1-sp9) were identified by the program STRUCTURE and subsequently confirmed by principle component analysis (PCA).Out of the nine subpopulations,seven were very similar to the respective subpopulations identified by Hamblin et al.(2010)which were based on half of the germplasm and half of the SN P markers,but two subpopulations were found to be new.One subpopulation was dominated by six-rowed spring lines from Utah State University (UT) and the other was composed of six-rowed spring lines from multiple breeding programs (USDA-ARS Aberdeen (AB),Busch Agricultural Resources Inc.(BA),UT,and Washington State University (WA)).LD was found to decay across a range from 4.0 to 19.8 cM.This result indicates that the germplasm genotyped with 3072 SNPs would be robust for mapping and possibly identifying the causal polymorphisms contributing to disease resistance and perhaps other traits.

  10. Developing maize germplasm lines with multiple insect and disease resistance and low aflatoxin contamination

    Science.gov (United States)

    Yield and quality losses caused BY insects, diseases, and mycotoxin contaminations are the critical impediments for maize production under warm climate. In order to develop maize germplasm lines with resistance to multiple insect pests and aflatoxin accumulation, a set of 13 reciprocal breeding cro...

  11. 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...

  12. Evaluation of tribenuron-methyl on sulfonylurea herbicide tolerant lettuce germplasm

    Science.gov (United States)

    The gene for sulfonylurea (SU) herbicide resistance discovered in a prickly lettuce population in Idaho was transferred to domestic lettuce by University of Idaho researchers. California researchers acquired the Idaho lettuce germplasm, “IDBR-1” and transferred the SU resistance gene to five common ...

  13. 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...

  14. 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 ...

  15. Evaluation of the introgressed lines and screening for elite germplasm in Gossypium

    Institute of Scientific and Technical Information of China (English)

    PANG Chaoyou; DU Xiongming; MA Zhiying

    2006-01-01

    In this research, 155 cotton introgressed lines from interspecific hybridization have been collected for the purpose of evaluating the effects of enhancement of new upland cotton germplasm by interspecific hybridization, screening for elite germplasm and improving cotton breeding. Through identification of various agricultural traits, we found that different wild cotton species had different capacities in terms of fiber quality, disease resistance, tolerance of abiotic stress, pest resistance and so on. SSR molecular marker technology has been used to detect the exotic genetic elements in interspecific hybrids, and 25 SSR specific loci that can be classified into two groups were found among 15 pairs of SSR primers. Results also showed that 8 exotic germplasm (Gossypium barbadense, G. arboreum and G. thurberi, etc) had genetic transmission toward upland cotton. A strategy of screening elite germplasm with exotic genes based on the molecular marker-assisted breeding techniques was suggested, and 18 lines with high-quality fiber and 4 lines with resistance to Fusanrium wilt and Verticillium wilt have been obtained.

  16. Initial experiences utilizing exotic landrace germplasm in an upland cotton breeding program

    Science.gov (United States)

    A critical objective of plant breeding programs is accessing new sources of genetic variation. In upland cotton, one of the relatively untapped sources of genetic variation is maintained in the USDA-ARS cotton germplasm collection and is the exotic landrace collection. Photoperiod sensitivity is a m...

  17. 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...

  18. Results of the 2009 ASBVd survey of avocado accessions in the national germplasm collection in Florida

    Science.gov (United States)

    The presence of Avocado Sunblotch Viroid (ASBVd) infection among the avocado (Persea americana Mill.) accessions in the National Germplasm Repository at Miami (NGR-Mia) was established in previous studies. An ASBVd specific reverse transcription-polymerase chain reaction (RT-PCR) protocol was used t...

  19. Germplasm Management in the Post-genomics Era-a case study with lettuce

    Science.gov (United States)

    High-throughput genotyping platforms and next-generation sequencing technologies revolutionized our ways in germplasm characterization. In collaboration with UC Davis Genome Center, we completed a project of genotyping the entire cultivated lettuce (Lactuca sativa L.) collection of 1,066 accessions ...

  20. 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...

  1. Screening a diverse soybean germplasm collection for reaction to purple seed stain caused by Cercospora kikuchii

    Science.gov (United States)

    Purple seed stain (PSS), caused by Cercospora kikuchii, is a prevalent soybean disease that causes latent seed infection, seed decay, purple seed discoloration, and overall quality deterioration. The objective of this research was to screen soybean accessions from the USDA germplasm collection for r...

  2. Initial screening of chili and sweet pepper germplasm for resistance to chili thrips, Scirtothrips dorsalis Hood.

    Science.gov (United States)

    A preliminary evaluation for resistance to chili thrips, Scirtothrips dorsalis Hood of 41 and 194 pepper (Capsicum annuum L.) germplasms during 1987 and 1988, espectively, indicated chili accessions may be a promising source of resistance . In contrast, all sweet pepper accessions tested were highly...

  3. Registration of an oilseed sunflower germplasm HA-DM1 resistant to sunflower downy mildew

    Science.gov (United States)

    HA-DM1 (Reg. No.xxx, PI 674793) sunflower (Helianthus annuus L.) germplasm was developed and released cooperatively by the USDA-ARS, Sunflower and Plant Biology Research Unit and the North Dakota Agricultural Experiment Station in 2015. HA-DM1 is a BC2F4 derived oilseed maintainer line from the cros...

  4. Confirming resistance in bottle gourd germplasm by quantifying powdery mildew conidia using a cellometer

    Science.gov (United States)

    Powdery mildew (PM) caused by Podosphaera xanthii, an important foliar disease affecting cucurbit crops grown in the United States, commonly occurs on foliage, petioles, and stems. We have developed two highly resistant bottle gourd (Lagenaria siceraria) germplasm (USVL351 and USVL482) for use in o...

  5. Development of near-infrared spectroscopy calibrations to measure quality characteristics in intact Brassicaceae germplasm

    Science.gov (United States)

    Determining seed quality parameters is an integral part of cultivar improvement and germplasm screening. However, quality tests are often time cnsuming, seed destructive, and can require large seed samples. This study describes the development of near-infrared spectroscopy (NIRS) calibrations to mea...

  6. 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...

  7. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

    Full Text Available In this paper we present the key aspects regarding central bank’s independence. Most economists consider that the factor which positively influences the efficiency of monetary policy measures is the high independence of the central bank. We determined that the National Bank of Romania (NBR has a high degree of independence. NBR has both goal and instrument independence. We also consider that the hike of NBR’s independence played an important role in the significant disinflation process, as headline inflation dropped inside the targeted band of 3% ± 1 percentage point recently.

  8. 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.

  9. 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.

  10. 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.

  11. 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).

  12. 12 CFR 209.2 - Banks desiring to become member banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Banks desiring to become member banks. 209.2 Section 209.2 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM ISSUE AND CANCELLATION OF FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I) § 209.2 Banks desiring...

  13. 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

  14. 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…

  15. 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

  16. 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.

  17. The influence of bank employees on bank customer relationship management

    Directory of Open Access Journals (Sweden)

    C. Rootman

    2007-12-01

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

  18. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Dragan (Santamarian Oana Raluca

    2012-12-01

    Full Text Available This paper describes one of the major challenges of the future: the sustainable development of the society. Sustainability is now increasingly recognized as central to the growth of emerging market economies. For the banking sector, this represents both a demand for greater social and environmental responsibility as well as a new landscape of business opportunity. Several years ago, the main part of the banks did not consider the social and environmental problems relevant for their operations. Recently, the banks began to realize the major impact of the sustainable development over the way of ulterior development of the society and, implicitly over the way of creating of the banking value in the future. In this context, the development of a banking management system, based on sustainable principles represents one of the provocations of these days.Starting from literature in the sustainable banking management field in this paper are presented several relevant issues related to risk management in the context of sustainable banking financing: the need to implement the sustainable management principles in financial and banking industry; the role of banks in sustainable development of society; social and environmental risk management policies, events that have shaped the role of the banking sector in sustainable development; international standards regarding sustainable banking management such us: Equator Principles for sustainable investment projects’ financing or GRI principles for sustainable reporting. Furthermore, we developed a practical case study related to the implementation of sustainable banking management at Bank of America.

  19. 75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-21

    ... voting shares of Bank of Anderson, National Association, Anderson, South Carolina, Seneca National Bank, Seneca, South Carolina, and The Peoples National Bank, Easley, South Carolina. B. Federal Reserve Bank...

  20. 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.

  1. 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.

  2. 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.

  3. A Banking System in Transition

    Institute of Scientific and Technical Information of China (English)

    WANG; ZHIPENG

    2002-01-01

    THE four large state-owned commercial banks - the Industrial and Commercial Bank of China, the Bank of China, the Construction Bank of China, and the Agricultural Bank of China, constitute the backbone of the Chinese banking system. Owing to low efficiency, lack of capital, and a high rate of bad debts over time, however, the system was weak and ineffective. In order to redress the situation, late last century the Chinese government launched reforms to streamline these four commercial banks and their operations. The banks subsequently set up asset management companies to buy back and resolve non-performing assets. Their operational structure was also upgraded and optimized so as to improve management efficiency and economic performance.

  4. NRAO Green Bank Telescope (GBT)

    Data.gov (United States)

    Federal Laboratory Consortium — The largest fully steerable telescope in the world - the Robert C. Byrd Green Bank Telescope, began observations in Green Bank, West Virginia in 2000and is a wonder...

  5. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

    This article reports a study of the determinants of effective management of of retail banking services in Ghana......This article reports a study of the determinants of effective management of of retail banking services in Ghana...

  6. Banking Scandals Force Governance Issue

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    @@ The spate of recent scandals in the banking sector again raises the question of whether corporate governance in banks has been improved to a degree whereby ESOP is a correct and timely consideration.

  7. Replacing America's Job Bank

    Science.gov (United States)

    Vollman, Jim

    2009-01-01

    The Job Central National Labor Exchange (www.jobcentral.com) has become the effective replacement for America's Job Bank with state workforce agencies and, increasingly, with community colleges throughout the country. The American Association of Community Colleges (AACC) has formed a partnership with Job Central to promote its use throughout the…

  8. UBS BANK INFORMATION

    CERN Multimedia

    UBS, CERN branch

    2002-01-01

    UBS SA, formerly Société de Banque Suisse (Swiss Bank Corporation), which has been providing banking services on the CERN site since 1954, is delighted to continue its financial partnership with the CERN personnel. Recent trends in payment methods - a decline in the use of cash combined with an increase in the use of 'virtual money', credit or payment cards and e-banking - have led UBS SA to place greater emphasis on customer services compared with conventional, over-the-counter transactions. Since our customers' banking habits have also changed, we will be implementing the following changes at our CERN offices: Building 500: conversion work will shortly be commencing to provide a comfortable and well-appointed customer services area offering, in particular, greater privacy, as well as two counters. Throughout the work, every measure will be taken to minimise inconvenience to our customers. Building 504: owing to the improvements to be made to our Building 500 premises, we will hencef...

  9. Banking on Diversity

    Science.gov (United States)

    Roach, Ronald

    2010-01-01

    Few organizations have as racially and culturally diverse a work force as the organizations that make up the World Bank Group. Of its 13,000 employees, nearly 60 percent of whom are located in downtown Washington, D.C., and the rest scattered across 160 offices around the globe, nearly every nation in the world is represented in the World Bank…

  10. Banking On People

    Science.gov (United States)

    Manpower, 1970

    1970-01-01

    In July 1968, the First National City Bank in New York (Citibank) received a government contract to train the disadvantaged by providing orientation, counseling, job related education, supervisor training, child care, transportation, and some medical and dental care. The Job Opportunities in the Business Sector Program (JOBS) stipulated pay of $70…

  11. Trilogy of China's Banking

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    @@ Banks of China will face declining profit rate and slightly increasing non-performing loans ratio in a short term during 2009, but government policies will reduce the negative impact of financial crisis, and China's financial environment is still relatively safe in a global comparison.

  12. Four Women Bank Directors

    Institute of Scientific and Technical Information of China (English)

    1995-01-01

    FOUR of the five directors of state banks in Beihai City in Guangxi Zhuang Autonomous Region are women. These women show that women are no longer only able to manage family finance, but they are able to take charge of the important responsibility for state finance. The mayor of Beihai City calls them the city’s outstanding financial affairs managers.

  13. Innovative Secure Mobile Banking Services

    OpenAIRE

    Mousa T AL-Akhras; Rizik Al-Sayyed; Marwah Alian; Doaa Qwasmi

    2011-01-01

    Due to the widespread use of computer technologies in almost all aspects of life, organisations that are connected to the Internet started extending their services to their customers to include new applications and services that satisfy their customers’ desires to make better businesses. One of these emerging applications is mobile banking. The term mobile banking (or m-banking) describes the banking services that the user can perform via a mobile device ubiquitously at anytime and from anywh...

  14. Scrum methodology in banking environment

    OpenAIRE

    Strihová, Barbora

    2015-01-01

    Bachelor thesis "Scrum methodology in banking environment" is focused on one of agile methodologies called Scrum and description of the methodology used in banking environment. Its main goal is to introduce the Scrum methodology and outline a real project placed in a bank focused on software development through a case study, address problems of the project, propose solutions of the addressed problems and identify anomalies of Scrum in software development constrained by the banking environmen...

  15. Do Central Banks Need Capital?

    OpenAIRE

    Peter Stella

    1997-01-01

    Central banks may operate perfectly well without capital as conventionally defined. A large negative net worth, however, is likely to compromise central bank independence and interfere with its ability to attain policy objectives. If society values an independent central bank capable of effectively implementing monetary policy, recapitalization may become essential. Proper accounting practice in determining central bank profit or loss and rules governing the transfer of the central bank’s ope...

  16. One Bank,Two Markets

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    The Agricultural Bank of China (ABC),the only non-listed bank among China’s"big four"state-owned commercial banks,is currently un- der the glare of the reform spotlight.This follows on the heals of Premier Wen Jiabao’s announcement during his government work report in March, that a shareholding system will be introduced in the bank and its role in serving agriculture,farmers and rural areas will remain unchanged.

  17. ANALISIS PENYALURAN DANA BANK SYARIAH

    OpenAIRE

    Siswati -

    2013-01-01

    Penelitian ini bertujuan untuk mendeskripsikan karakteristik Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), Sertifikat Wadiah Bank Indonesia (SWBI), dan penyaluran dana Bank Syariah Mega Indonesia. Serta untuk menganalisis pengaruh DPK, NPF, dan bonus SWBI secara simultan maupun parsial terhadap penyaluran dana yang diberikan oleh Bank Syariah Mega Indonesia. Sampel dalam penelitian ini adalah laporan keuangan bulanan Bank Syariah Mega Indonesia tahun 2005-2007. Hasil penelitan ini ...

  18. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-Farm Credit Banks... ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Chartered Territories § 614.4070 Loans and chartered territory—Farm Credit Banks, agricultural credit banks, Federal land bank associations,...

  19. Banking on women's spirit.

    Science.gov (United States)

    Yunus, M

    1993-11-01

    An interview with Professor Mummadad Yunus, Managing Director of the Grameen Bank, revealed that he has provided loans to poor women in Bangladesh since 1976 and that the Grameen Bank has continued his work since 1983. The idea behind the banking system is that poor people without traditionally accepted collateral are good credit risks. In 1993, the Grameen Bank had operations in 33,000 out of a possible 68,000 villages in Bangladesh. The operations include 1030 branches and a staff of 12,000 people. 1.6 million people are recipients of loans, of whom 94% are women. The population served is the poorest and has no experience in income generation. Conclusions drawn from this experience are that women are better managers of resources and are more serious entrepreneurs than men and that the benefits of loan programs for the poor go directly to children and households. Women's self-image suffers from negative social conceptions, and one task is to convince women of their value, skills, and possibility of advancement. The bank philosophy rests with the belief that all human beings are a "treasure of potential possibilities." Women are advised to protect their money and marriage and not to sacrifice one for the other. Husbands initially are against money going to wives, but eventually they understand that the family benefits. Over 200,000 loans have been made for the provision of housing. The loan requirement is that the woman must own the land on which the house is built. Husband's have the opportunity to transfer title of the land to the wife. Ownership of land provides security for the wife.

  20. Analysis of Performance Measures in the Banking System

    Directory of Open Access Journals (Sweden)

    Angelica STRATULAT

    2013-08-01

    Full Text Available The complex and delicate character of the problem of banking performance, in the context of harsh competition and the emergence of multiple risks, impose on the banks the permanent evaluation of the behavior and the analysis of internal activity. In the context of the fast changes that take place in national economies lately, starting points towards a new banking order must be based on new models of banking management. The macroeconomic risk factors may have a significant impact on the performance of a banking institution, with direct implications on the quality of the credit portfolio, on profitability and its fructification and, finally, on the entire banking system. The evaluation of a bank’s profitability is done with the aid of the banking performance indicators, which reflect a multitude of aspects regarding the degree of profit realization, managerial and operational efficiency. The most important objective that banks which want to assume the responsibility of running a successful practice will be the identification of market needs and the choosing of a strategic position in this market, in the context of banking performance and minimal risk.

  1. Foreign Banks: Trends and Impact

    NARCIS (Netherlands)

    Claessens, S.; van Horen, N.

    2014-01-01

    Over the past two decades, foreign banks have become much more important in domestic financial intermediation, heightening the need to understand their behavior. We introduce a new, comprehensive database, made publicly available, on bank ownership (including the home country of foreign banks) for 5

  2. Bank risk, bailouts and ambiguity

    NARCIS (Netherlands)

    Nijskens, R.G.M.

    2012-01-01

    The theoretical analysis in the second part investigates the effect of liquidity assistance and bailouts on bank risk taking and liquidity choice. Furthermore, it explores the possibilities for central banks to create ambiguity about liquidity assistance, thereby influencing bank choices. The result

  3. Determinants of bank profitability: Evidence from the Greek banking sector

    Directory of Open Access Journals (Sweden)

    Alexiou Constantinos

    2009-01-01

    Full Text Available This paper investigates the effects of bank-specific and macroeconomic determinants of bank profitability, using an empirical framework that incorporates the traditional Structure-Conduct- Performance (SCP hypothesis. A panel data approach has been adopted and effectively applied to six Greek banks. The evidence generated suggests that for any consistent or systematic size the profitability relationship is relatively weak. Most of the bank-specific determinants were found to significantly affect bank profitability. A more ambiguous picture emerged when the macroeconomic factors were considered.

  4. 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

  5. Expansion strategies of banks: does size matter?

    Directory of Open Access Journals (Sweden)

    Luiz Fernando Rodrigues de Paula

    2002-01-01

    Full Text Available This paper discusses whether there is some evidence in recent literature that banks do obtain economies of scale and scope when they expand their activities, mainly by mergers and acquisitions (M&As. In this connection, this paper shows that, although there is no clear evidence that such economies have been reached by the banks, the final cost-benefit balance of M&As extracted from literature seems to favour the more universal financial franchise. However, these results are neither unequivocal nor asserted a priori. Indeed, M&As can be desirable for banks if the former are expected to increase profits independently of the effect they may have on the latter's operational efficiency.

  6. ITER Materials R & D Data Bank

    Science.gov (United States)

    Tanaka, Shigeru; Matera, R.; Kalinin, G.; Barabash, V.; Mohri, K.

    To keep traceability of many valuable raw data that were experimentally obtained in the ITER Technology R&D Tasks related to materials for In-Vessel Components, and to easily make the best use of these data in design activities, the `ITER Materials R&D Data Bank' has been built up, with the use of Excel TM spread sheets. Compared with existing material data banks, this data bank is unique in the following respects: (1) In addition to thermo-mechanical properties of single materials (beryllium, tungsten, carbon-based materials, copper alloys and stainless steels), thermo-mechanical properties (including neutron irradiation effects) for various kinds of joints between these materials, and the results of thermal fatigue tests of mock-ups are collected. (2) As for plasma facing materials (beryllium, tungsten and carbon), experimental data on plasma-material interactions such as sputtering, disruption erosion, and hydrogen-isotope trapping and release are collected.

  7. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  8. Factors Affecting Bank Switching Intentions in E-Banking

    Directory of Open Access Journals (Sweden)

    Leyla ÖZER

    2012-12-01

    Full Text Available The purpose of this research is to identify and examine the factors that contribute to bank switching intentions of e-banking customers and whether these intentions differ according to demographic characteristics (age, gender, education, marital status and income levels of customers. Regression results suggested that customer dissatisfaction, low service quality, high price, unfavorable bank reputation, limited product variety and involuntary switching factors were positively related to customers’ bank switching intentions in e-banking. On the other hand, promotion efforts were negatively related to customers’ switching intentions. In addition to this, bank switching intentions were revealed to be differing according to education levels. Bank switching intentions of well-educated customers were tend to be higher, while age, gender, marital status and income level didn’t make a difference on intentions. Based on the empirical results of current study, we will provide several theoretical and managerial implications in the area of service industry.

  9. Methodical Approaches to Risk Management in a Regional Commercial Bank

    Directory of Open Access Journals (Sweden)

    Elena Vladimirovna Altukhova

    2016-03-01

    Full Text Available The article presents the results of the research of the methodological and information infrastructure of the integrated risk management in a regional commercial bank. Within the study of the general development tendencies of the regional banking services market, the most significant risks for a regional bank are revealed. The analysis is carried out on the basis of the stress testing technique developed at the Plekhanov Russian University of Economics. It is based on a technique of dynamic economic and mathematical modeling with the application of information technologies. The created combination of the methodological and instrumental tools allows to carry out the dynamic scenario analysis of the activity of a commercial bank for the identification of potential risks and for the development of the strategy of financial management reducing the potential risks and leveling the consequences of their realization. The received tool allows during the computer test to watch the predicted dynamics of the condition of the key indicators of the activity of a regional commercial bank changing under the influence of the exogenous regulatory measures and instruments of bank management applied to decrease risk and at the same time to introduce adjustments in the perspective strategy of management. As the result of the analysis, the universal management model of the main bank risks in a regional commercial bank within three alternative scenarios is created. The software product allowing to develop and acquire the practical skills of the students in banking is developed. It also may help to develop the methodological support for the regulation of the organizational procedures of risk management in a regional commercial bank. The received software product may be used in a system of the improving the professional skills, and also for obtaining the expected data in a risk management system in a regional commercial bank.

  10. Are Chinese Banks Ready for Foreigners?

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    Banking reform is crucial to China, as banks dominate the country's financial system. The banking sector is dominated by four state-owned commercial banks-the ICBC, the CCB, the BOC, and the Agricultural Bank of China (ABC). The listing of the Bank of Communications (BOCOM), China's fifth

  11. 12 CFR 2.5 - Bank compensation.

    Science.gov (United States)

    2010-01-01

    ... the bank's loan customers. (b) Income derived from credit life insurance sales to loan customers may... seq., or to a trust for the benefit of all shareholders, provided that the bank receives reasonable... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Bank compensation. 2.5 Section 2.5 Banks...

  12. 12 CFR 204.121 - Bankers' banks.

    Science.gov (United States)

    2010-01-01

    ... Federal Home Loan Bank, or in the National Credit Union Administration Central Liquidity Facility if the... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Bankers' banks. 204.121 Section 204.121 Banks... REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D) Interpretations § 204.121 Bankers' banks. (a)(1)...

  13. Governance of Banks in an Era of Regulatory Change and Declining Public Confidence

    NARCIS (Netherlands)

    Minto, Andrea; McCormick, Roger

    2014-01-01

    Corporate governance reforms have become more intrusive for banks than might be thought appropriate for “ordinary corporates”. “Heavier” regulation in this area is justified by the public interest at stake in bank activity and the risk to the public interest if a bank is allowed to fail (and the cos

  14. Influence of deposit policy on forming the architectonics of development of banks

    Directory of Open Access Journals (Sweden)

    Вікторія Володимирівна Коваленко

    2015-03-01

    Full Text Available In the article the basic pressing questions of forming the deposit policy of banks and its influence are exposed on their deposit activity. Conceptual positions of forming and realization of deposit policy of banks are determined in modern terms. The necessity of change the architectonics of development of banks is well-proven due to realization of deposit management strategy

  15. 一种高阻带余弦调制滤波器组的子带有源噪声控制%Subband active noise control using cosine-modulated filter banks with high-stopband attenuation

    Institute of Scientific and Technical Information of China (English)

    王海燕; 邓洪高; 刘庆华

    2012-01-01

    For wide band active noise control (ANC) system, as a result of the non-ideal characteristic and downsam-pling of the analysis filter banks, the aliasing problem between subband signals in the subband adaptive filter structure is introduced. An interpolated finite impulse response filter (IFIR) is employed to indirectly design the cosine-modulated filter banks prototype filter with high-stopband attenuation to achieve stopband energy minimization, in order to directly eliminate the aliasing problem between subband signals. It has low computational complexity. And compensation the error path delay avoids the delay of cosine-modulated filter banks. Simulation results show that this algorithm has good performance in the broadband gauss white noise and broadband color signal, especially for broadband color signal.%针对宽带有源噪声控制(ANC)系统,在采用子带自适应滤波结构时,由分析滤波器组的非理想特性及下采样原因引起的子带信号混叠问题,采用内插脉冲响应技术问接设计了一种高阻带衰减的低通原型滤波器,使得阻带能量最小化来直接消除子带信号间的混叠问题,具有较低的计算复杂度.同时,通过采用补偿误差通道延迟的方法来消除由分析滤波器组产生的延迟.仿真实验结果表明,该算法在宽带高斯白噪声和宽带有色信号下都具有较好的收敛性能,尤其对宽带有色信号.

  16. Comparative Study on the Banking Performances at BCR ERSTE BANK, BRD – GSG and Raiffeisen Bank

    Directory of Open Access Journals (Sweden)

    Claudia MITITELU

    2014-11-01

    Full Text Available This paper aims to make a comparison between the performances of three banks in the banking system in Romania, considered the most representative but also to achieve their classifications and identify correlations between a number of used indicators and indicators expressing banking performance.

  17. Sharing China's Bank Restructuring Bill

    Institute of Scientific and Technical Information of China (English)

    Guonan Ma

    2006-01-01

    This paper addresses the questions related to the cost of China's bank restructuring and how it has been financed. We first propose a framework for recognizing losses. Then, we examine the recent major moves by the Chinese Government to repair the country's bank balance sheets. Finally, we explore the implications of the Chinese Government's methods of funding bank restructuring. We find that the Chinese Government has been decisive in confronting the costly task of bank restructuring. So far, Chinese taxpayers have paid most of the bill for bank restructuring.

  18. 12 CFR 347.203 - Deposit insurance required for all branches of foreign banks engaged in domestic retail deposit...

    Science.gov (United States)

    2010-01-01

    ... foreign banks engaged in domestic retail deposit activity in the same State. 347.203 Section 347.203 Banks... engaged in domestic retail deposit activity in the same State. The FDIC will not insure deposits in any... foreign bank in the same state that engages in domestic retail deposit activity will be an insured branch....

  19. Creative Accounting Model for Increasing Banking Industries’ Competitive Advantage in Indonesia

    OpenAIRE

    Supriyati; Erida Herlina

    2015-01-01

    Bank Indonesia demands that the national banks should improve their transparency of financial condition and performance for public in line with the development of their products and activities. Furthermore, the banks’ financial statements of Bank Indonesia have become the basis for determining the status of their soundness. In fact, they tend to practice earnings management in order that they can meet the crite-ria required by Bank Indonesia. For internal purposes, the initiative of earning m...

  20. Creative Accounting Model for Increasing Banking Industries’ Competitive Advantage in Indonesia (P.197-207)

    OpenAIRE

    Supriyati Supriyati; Erida Herlina

    2017-01-01

    Bank Indonesia demands that the national banks should improve their transparency of financial condition and performance for public in line with the development of their products and activities. Furthermore, the banks’ financial statements of Bank Indonesia have become the basis for determining the status of their soundness. In fact, they tend to practice earnings management in order that they can meet the criteria required by Bank Indonesia. For internal purposes, the initiative of earning ma...

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

    OpenAIRE

    KOSMAS NJANIKE

    2010-01-01

    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...

  2. Politika regionálnych rozvojových bank: ich sektorové zameranie

    OpenAIRE

    2011-01-01

    The thesis presents an overview of selected regional development banks in the world. It focuses on the sectoral specifics and searches similarities and differences among selected regional development banks. The first chapter describes selected regional development banks and their organizational structure, functions and activities. The second section compares the sectoral focus of three regional development banks and their selected development projects. The third chapter mentions the cooperati...

  3. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati

    2013-03-01

    Full Text Available This study aims to describe the characteristics of Third Party Funds (TPF, Non-Performing Financing (NPF, Bank Indonesia Certificates Wadiah (SWBI, and funds Islamic Bank Mega Indonesia. Moreover to analyze the influence of DPK, NPF, and the bonus SWBI simultaneously or partially on the distribution of funds provided by the Bank Syariah Mega Indonesia. The sample in this study is the monthly financial report of Bank Syariah Mega Indonesia in 2005-2007. The results of this research showed that DPK, NPF, and Bonus SWBI simultaneous effect on the distribution of funds committed by Bank Syariah Mega Indonesia at 99.2% and the remaining 0.8% influenced by other factors that are not revealed in this study. DPK is partially positive and significant effect on the distribution of funds Bank Syariah Mega Indonesia at 98.65%, while the NPF and Bonus SWBI insignificant effect on the partial distribution of funds committed by Bank Syariah Mega Indonesia.

  4. INFORMATION FROM THE BANK

    CERN Multimedia

    1999-01-01

    The UBS will be integrating its two computer platforms during the weekend of 24 April.This operation involves changing your account card and Eurocheque card, which will be sent to you by post.Those who receive their bank correspondence at CERN may obtain their codes from the branch there.The security and rapidity of this procedure will be helped by the presentation of an identity document.Despite the precautions taken, problems may be experienced with the operation of the cash-points during that weekend.The bank's staff would like to offer apologies in advance for any difficulties and are at your disposal for any information you may need.UBS

  5. Danske Bank vildleder

    DEFF Research Database (Denmark)

    Ravn, Ib

    2014-01-01

    EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og stærktmed......EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og...

  6. BANK MERGERS AND ACQUISITIONS IN ROMANIA AFTER 1989

    Directory of Open Access Journals (Sweden)

    Copil Crina Angela

    2014-07-01

    Full Text Available In this paper I proposed to myself to analyse the main bank acquisitions and mergers from Romania after 1989, causes that led to their appearance, their effects on the bank system and their future perspectives on the Romanian bank market. In the context of adherence to the European bank system a solution for the Romanian banks is the concentration of the bank system by mergers and acquisitions or the increase of the bank capitals because in the period of transition the smaller banks are vulnerable, don’t dispose of an infrastructure that would alow them to offer financial services comparable to those offered by the great bank groups, can’t offer large credits and is addressing to the smaller and average enterprise, which in their turn are exposed to all the shocks that are felt in the economy. The strategies of concentration and consolidation applied by the banks in this period implemented by the transactions with mergers and acquisitions are essential because of their success depends the existence of the bank, the rank it will have on the market, the profit of the bank, the efficiency, the increase of the satisfaction degree of the clients and the increase of the shares’ value. The increase of the interest of the investor in mergers and acquisitions determined the creating of the great financial conglomerates that offer a large range of services, operates simultaneously on many markets and include beside the bank activity insurance, leasing subsidiaries, investment funds, pension funds, subsidiaries specialized in credit saving. In the last decades the Romanian bank financial system suffered significant changes, registering an ample consolidation process, the number of bank institutions decreased and in the context of the present financial crisis, the continuing of the process of restructuring is anticipated.The main reason for choosing this subject if the fact that in the evolution of the concentration the bank mergers and acquisitions

  7. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati -

    2013-03-01

    Full Text Available Penelitian ini bertujuan untuk mendeskripsikan karakteristik Dana Pihak Ketiga (DPK, Non Performing Financing (NPF, Sertifikat Wadiah Bank Indonesia (SWBI, dan penyaluran dana Bank Syariah Mega Indonesia. Serta untuk menganalisis pengaruh DPK, NPF, dan bonus SWBI secara simultan maupun parsial terhadap penyaluran dana yang diberikan oleh Bank Syariah Mega Indonesia. Sampel dalam penelitian ini adalah laporan keuangan bulanan Bank Syariah Mega Indonesia tahun 2005-2007. Hasil penelitan ini menunjukkan bahwa DPK, NPF, dan Bonus SWBI berpengaruh secara simultan terhadap penyaluran dana yang dilakukan oleh Bank Syariah Mega Indonesia sebesar 99,2% dan sisanya 0,8%  dipengaruhi oleh faktor lain yang tidak diungkap dalam penelitian ini. Secara parsial DPK berpengaruh positif dan signifikan terhadap penyaluran dana Bank Syariah Mega Indonesia sebesar 98,65%, sedangkan NPF dan Bonus SWBI tidak signifikan berpengaruh secara parsial terhadap penyaluran dana yang dilakukan oleh Bank Syariah Mega Indonesia.This study aims to describe the characteristics of Third Party Funds (TPF, Non-Performing Financing (NPF, Bank Indonesia Certificates Wadiah (SWBI, and funds Islamic Bank Mega Indonesia. Moreover to analyze the influence of DPK, NPF, and the bonus SWBI simultaneously or partially on the distribution of funds provided by the Bank Syariah Mega Indonesia. The sample in this study is the monthly financial report of Bank Syariah Mega Indonesia in 2005-2007. The results of this research showed that DPK, NPF, and Bonus SWBI simultaneous effect on the distribution of funds committed by Bank Syariah Mega Indonesia at 99.2% and the remaining 0.8% influenced by other factors that are not revealed in this study. DPK is partially positive and significant effect on the distribution of funds Bank Syariah Mega Indonesia at 98.65%, while the NPF and Bonus SWBI insignificant effect on the partial distribution of funds committed by Bank Syariah Mega Indonesia.

  8. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other so...... for effective resolution or irresistible incentives through capital charges, it would be best obtained through addition to the EU’s Proposed Structural Measures Regulation now under consideration....

  9. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other so...... for effective resolution or irresistible incentives through capital charges, it would be best obtained through addition to the EU’s Proposed Structural Measures Regulation now under consideration....

  10. 12 CFR 614.4352 - Farm Credit Banks and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Banks and agricultural credit banks. 614.4352 Section 614.4352 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4352 Farm Credit Banks and agricultural...

  11. Virtual blood bank.

    Science.gov (United States)

    Wong, Kit Fai

    2011-01-24

    Virtual blood bank is the computer-controlled, electronically linked information management system that allows online ordering and real-time, remote delivery of blood for transfusion. It connects the site of testing to the point of care at a remote site in a real-time fashion with networked computers thus maintaining the integrity of immunohematology test results. It has taken the advantages of information and communication technologies to ensure the accuracy of patient, specimen and blood component identification and to enhance personnel traceability and system security. The built-in logics and process constraints in the design of the virtual blood bank can guide the selection of appropriate blood and minimize transfusion risk. The quality of blood inventory is ascertained and monitored, and an audit trail for critical procedures in the transfusion process is provided by the paperless system. Thus, the virtual blood bank can help ensure that the right patient receives the right amount of the right blood component at the right time.

  12. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

    Full Text Available Virtual blood bank is the computer-controlled, electronically linked information management system that allows online ordering and real-time, remote delivery of blood for transfusion. It connects the site of testing to the point of care at a remote site in a real-time fashion with networked computers thus maintaining the integrity of immunohematology test results. It has taken the advantages of information and communication technologies to ensure the accuracy of patient, specimen and blood component identification and to enhance personnel traceability and system security. The built-in logics and process constraints in the design of the virtual blood bank can guide the selection of appropriate blood and minimize transfusion risk. The quality of blood inventory is ascertained and monitored, and an audit trail for critical procedures in the transfusion process is provided by the paperless system. Thus, the virtual blood bank can help ensure that the right patient receives the right amount of the right blood component at the right time.

  13. Why banks and financial institutions in Pakistan are turning towards Internet banking?

    Directory of Open Access Journals (Sweden)

    Sajjad Nazir

    2011-11-01

    Full Text Available Internet Banking has become widespread in most developed countries, while the Financial Services Sectors in most developing countries are lagging behind with this technology. Despite the benefits afforded by such online activity, Pakistani financial institutions, in particular, have not yet experienced the full potential of this form of electronic commerce, due in part to the weakness and instability of the country's financial system. This is coupled with the fact that the citizens have lost confidence in the Pakistan Financial Services Sector in 1990s. The objectives of this research are two-fold. The first aim is to investigate the feasibility of adopting Internet Banking within the Pakistan Financial Services Sector. The second objective is to demonstrate how Internet Banking may serve as a dual solution in restoring the viability of the Pakistan financial institutions and restoring investor confidence. From the literature review and surveys undertaken, the research examines the various benefits, which Internet Banking offers as well as its drawbacks. A comparative study reveals few reasons why financial institutions in most developing countries might not be able to embark on Internet Banking; whilst their counterparts in most developed countries are able to capitalize fully on such e-commerce venture. The paper employs survey data to measure the extent to which financial institutions in Pakistan use e-commerce and to investigate the opportunities for further growth (that is, the likelihood of Internet Banking within the overall Financial Sector. The research highlights a number of obstacles that must be overcome if the Pakistan financial institutions decide to actively use the Internet to provide banking services. Possible solutions that may be inaugurated to overcome the respective barriers are proposed. Finally, a summary and conclusion with recommendations are presented.

  14. GenBank blastx search result: AK062102 [KOME

    Lifescience Database Archive (English)

    Full Text Available transcriptional activator; similar to cAMP-receptor (CAP, CRP) protein: PIR Access...ion Number A26049; similar to fnr (nirR) gene product encoded by GenBank Accession Number J01608; aspartic

  15. GenBank blastx search result: AK242621 [KOME

    Lifescience Database Archive (English)

    Full Text Available putative transcriptional activator; similar to cAMP-receptor (CAP, CRP) protein: PIR Access...ion Number A26049; similar to fnr (nirR) gene product encoded by GenBank Accession Number J01608;

  16. GenBank blastx search result: AK243655 [KOME

    Lifescience Database Archive (English)

    Full Text Available putative transcriptional activator; similar to cAMP-receptor (CAP, CRP) protein: PIR Access...ion Number A26049; similar to fnr (nirR) gene product encoded by GenBank Accession Number J01608;

  17. Green banking: Bangladesh perspective and international experiences

    OpenAIRE

    KHAN TOUHIDUL ALAM; NAIM MD. JULKER; ISLAM RASHEDUL; BEGUM KHADIZA

    2017-01-01

    Climate change is the most complicated issue the world is facing. Across the globe there have been continuous endeavors to measure and mitigate the risk of climate change caused by human activity. Many countries the world over have made commitments necessary to mitigate climate change. Although banks are considered environment friendly and do not impact the environment greatly through their own ‘internal’ operations, the ‘external’ impact on the environment through their customers activities ...

  18. Central bank learning and monetary policy

    OpenAIRE

    Tesfaselassie, Mewael F.

    2008-01-01

    We analyze optimal monetary policy when a central bank has to learn about an unknown coefficient that determines the effect of surprise inflation on aggregate demand. We derive the optimal policy under active learning and compare it to two limiting cases---certainty equivalence policy and cautionary policy, in which learning takes place passively. Our novel result is that the two passive learning policies represent an upper and lower bound for the active learning policy, irrespective of the s...

  19. Quality Determinants of Independent Audits of Banks

    Directory of Open Access Journals (Sweden)

    José Alves Dantas

    2015-04-01

    Full Text Available Since DeAngelo's study (1981 on audit quality, the latter has been a topic well discussed in the international accounting literature; however, there is little evidence about audit quality in the financial market. In Brazil, studies on audit quality began only in the 2000s, although without a specific focus on banks. The purpose of this study was to identify the quality determinants of audit work in Brazilian banking institutions. Using the practice of earnings management as a proxy for audit quality - more specifically, the discretionary accruals related to the process of the constitution of the Loan Loss Provision (LLP - tests were performed based on the quarterly information of commercial and multipleservice banks and savings banks from 2001 to 2012. Empirical tests have shown that the quality of audit work has several types of relationships as follows: negative with the client importance level for the auditor; negative with the works after the sixth year of the contract; positive with the establishment of the Audit Committee by the banks; positive with the judgment of punitive administrative proceedings against independent auditors; and positive with the level of rigor of the regulatory environment. Of the tested hypotheses, three were not confirmed empirically. The first hypothesis predicted an association between audit quality and the auditor degree of specialization in the banking industry. The second hypothesis predicted that audit quality would be negatively correlated with the degree of concentration of audit activity within the National Financial System (Sistema Financeiro Nacional - SFN. The third hypothesis predicted that audit quality would be lower when the auditorclient relationship is of a short term. The results of the study contribute to the debate concerning the role of auditors in the transparency and solidity of the financial system, including their role as a complementary or auxiliary supervisor.

  20. Online Frauds in Banks with Phishing

    Directory of Open Access Journals (Sweden)

    N. P. Singh

    2007-08-01

    Full Text Available Hi-tech fraudsters have urbanized a new way of tricking on line banking customers. One such most well known and fast growing technique is phishing. Latest in phishing is application of Trojan horse program. Trojan horse" program insinuates itself into a user's computer via an email and directs the user of the system to website which is exactly similar to financial institution web site. Crooks pick up passwords and account numbers as soon as customer logon to these sites. As it evident from table 1 phishing causes maximum loss to the customers/ institution in comparison to other similar techniques. Keeping in view, the serious threats of phishing attacks author analyzed the trends of major activities of the phishing across globe specifically in the banking sector. In addition, author analyzed the reasons for increase in fishng activities, types of phishing techniques, and process of phishing. Further author has presented recent cases of phishing specifically in banking/ financial sector. Towards the end it author has studied the measures to combat the fishing in online banking.

  1. Politics, Time and Space in the Era of Shadow Banking

    DEFF Research Database (Denmark)

    Bryan, Dick; Rafferty, Michael; Wigan, Duncan

    2016-01-01

    the transformation of assets and financial claims. It has also been established that fiscal and regulatory arbitrage occurs through shadow banking, and associated offshore financial activities. The article develops the argument that together these are transforming the times and spaces of modern finance, and directly...... challenging earlier spatio-temporal concepts of finance, and the regulatory/jurisdictional order built on them. The article suggests that the longer term significance of shadow banking may not just be its role in financial crisis, or even tax and regulatory arbitrage, but that it was here that innovative......In the wake of the Global Financial Crisis, there has been an understandable focus on the financial fragility and contagion aspects of shadow banking. This article argues that shadow banking is important for another set of reasons. It has been well established that shadow banking permits...

  2. Collaborative Management of Risks and Complexity in Banking Systems

    Directory of Open Access Journals (Sweden)

    Ion IVAN

    2012-01-01

    Full Text Available This paper describes types of risks encountered in banking systems and ways to prevent and eliminate them. Banking systems are presented in order to have a view on banking activities and processes that generates risks. The risks in banking processes are analyzed and the collaborative character of risk management is highlighted. A way to control the risk in banking systems through information security is described. Risks arise from system complexity, thus evaluation and comparison of different configurations are bases for improvements. The Halstead relative complexity function synthesizes system complexity from the point of view of the size of the variables analyzed and the heterogeneity between the variables. Section four was realized by Catalin SBORA.

  3. 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.

  4. Participation of non-banking financial organisations in crediting innovation projects

    Directory of Open Access Journals (Sweden)

    Duba Olexandr M.

    2014-01-01

    Full Text Available The article describes main results of study of non-banking financial institutions as creditors of innovation projects. Based on the analysis of their investment activity, the article identifies their place and role in financing innovations. The article also compares banks and non-banking financial institutions as participants of innovation projects. On the basis of statistical data it characterises the modern state of non-banking financial institutions in the market of crediting innovation projects and forecasts their further functioning and status by pessimistic, realistic and optimistic scenarios. In order to achieve the level of realistic scenario of development of the non-banking financial institutions in innovation projects, the article offers a plan of organisation of participation of non-banking financial institutions in innovation projects. Crediting innovation projects by non-banking intermediaries has not only commercial but mostly social effect, since their realisation gradually brings the country’s economy to a qualitatively new technical and technological level. Earlier, scientists paid significant attention to banks as main creditors, leaving non-banks aside. The article shows advantages of participation of non-banking financial institutions compared to banks, which seems valuable from the point of view of development of this issue in the financial science environment. The prospective direction here is a study of banks and non-banking financial institutions as competitors in the market of crediting innovation projects.

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

    Directory of Open Access Journals (Sweden)

    Baah Aye Kusi

    2015-09-01

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

  6. MOBILE BANKING AND SUSTAINABLE GROWTH

    Directory of Open Access Journals (Sweden)

    Atul Srivastava

    2013-01-01

    Full Text Available The paper discusses about awareness of mobile banking services and their possible contribution towards sustainable growth. This study attempts to look into the issues regarding mobile banking services and their possible contribution in financial inclusion in India. With the help of this study author tries to focus those areas where banks can provide these mobile banking services. If this service is adopted in a positive manner it can drastically change the scenario of Financial Inclusion. For a successful financial inclusion i.e., inclusive growth, in this era, combination of both the services i.e., banking as well as mobile is very much required. Mobile banking which can be termed as virtual banking can do wonders for the economy, because these days growth in economy is possible with the help of financial inclusion and in current scenario, statistics reveals that it is very easy with the help of mobile banking. This study has been done in two phases. First phase discusses about awareness of M-banking services and Second phase discusses about possible contribution of mobile banking towards financial inclusion. M-banking in India, as assessed by the govt. can work as a potent tool for financial inclusion, is yet to clear many hurdles before it can fulfill its objective of reaching the unbanked population. In fact including rural subscribers in the banking net can help in inclusive growth, as it not very difficult to go for a mobile phone rather than going for a computer in rural areas. This service can do wonders if implemented effectively and sincerely. If any service is provided, there are always two sides, supply side and demand side. M-banking in India, as assessed by the govt. can work as a potent tool for financial inclusion, is yet to clear many hurdles before it can fulfill its objective of reaching the unbanked population. If this service is adopted in a positive manner it can drastically change the scenario of Financial Inclusion.

  7. Indian Banking Sector towards a Sustainable Growth: A Paradigm Shift

    Directory of Open Access Journals (Sweden)

    Namita Rajput

    2013-01-01

    . Main drivers for employing environmental and sustainable issues are environmental and social pressure from society, improved brand reputation, opportunities for innovation, The main gaps Identified by the Indian Banks requiring directives from regulatory bodies include awareness and consciousness on sustainability issues, international guidelines and frameworks, Sustainability reporting - formal frameworks and lucid and clear policies pertinent for banks operating in India, training and development of relevant skills within bank employees so that they can use in core banking operations. Clear policies, Formal information sharing and dissemination platforms, proper guidance can really diminish the unpleasant impacts of operating activities.

  8. Domestic bank intermediation in emerging market economies during the 2008-09 crisis

    Directory of Open Access Journals (Sweden)

    Dubravko Mihaljek

    2014-12-01

    Full Text Available This paper analyses bank intermediation in emerging market economies (EMEs at the height of the 2008-09 global financial crisis. The analysis is based on central bank responses to a BIS questionnaire prepared in July 2009, and thus provides a unique snapshot that can be used for studies of commercial banking activity in EMEs before and after the crisis. EME banks by and large adjusted to the crisis in ways that stabilised their financial positions. On the funding side, they reduced reliance on wholesale markets and sought to attract retail deposits. On the lending side, banks slowed new lending, shifted towards less risky loans and increased their holdings of government bonds. In an effort to boost liquidity, banks shortened the maturity of their assets, relied less on the interbank market and increased the scope of their transactions with central banks. Foreign and domestically-owned banks adjusted to the crisis in similar ways.

  9. Primary Investigations on Yangtze River Bank Slope Stability in Wanzhou for the Three Gorges Reservoir Project

    Institute of Scientific and Technical Information of China (English)

    Jian Wenxing; Yin Kunlong; Xu Yixian

    2005-01-01

    This paper investigates the main factors contributing to bank slope failures, such as the structure of rock and soil, water level change, bank slope gradient, vegetation, weathering and human activities. Based on these investigations, the bank slope failure models are analyzed. The stability of bank slopes in Wanzhou is investigated using geological surveying, 2D resistivity imaging surveying, excavated trenches and other methods. Finally, the disasters of bank slope failures in Wanzhou were investigated in detail. The results show that instability problems might occur in 60.38 km of bank slopes when the water level rises to 175 m. It is suggested that 37.8 km of unstable bank slopes should be stabilized, and 14.2 km of unstable banks should be moved or avoided after further geological surveying and reconnaissance. These results provide scientific basis and reliable data for the government to develop the third geodisaster prevention plan for the Three Gorges reservoir.

  10. Banking Models Under the Impact of the Post-Crisis Organizational Changes Apt to Confer Sustainable Financial Stability - Romanian Experience

    Directory of Open Access Journals (Sweden)

    Claudia Gabriela Baicu

    2012-06-01

    Full Text Available The global financial crisis led to substantial changes in the operating environment of banks. Reforming the regulatory framework of financial and banking activity and the increase role of state in banking systems in many countries are important factors that involve major changes in the organizing of banking activity, the strategies adopted, the business models practiced, etc. Based on these considerations, the paper examines trends in banking models after the 2007 crisis. The analysis of the banking models is performed from the perspective of the deep organizational changes that affected the banking environment and sustainable financial stability. The study focuses on the analysis of the banking sustenability and the business model in the Romanian banking system, in the context of the post-crisis organizational changes. The profound interdependence of the Romanian banking system with the banking systems of the European countries and the international tendencies in financial regulation are important factors that influence the business models of the Romanian banks. The banking model practiced in Romania continues to be the traditional one. Currently, the most important challenges of the Romanian banking system are the growth of the non-performing loans, the loans in foreign currency to unhedged borrowers, the pressure to meet the Basel III requirements, as well as the possibility that the exposure of foreign banks towards Romania to decrease.

  11. Umbilical cord blood banks. Ethical aspects. Public versus private banks.

    Science.gov (United States)

    Aznar Lucea, Justo

    2012-01-01

    The creation of umbilical cord blood (UCB) banks raises interesting medical, social, economic and ethical issues. This paper reviews the ethical problems specifically. In this respect, it evaluates: a) whether there are advantages to the use of UCB compared to bone marrow, b) whether or not it is ethical to create UCB banks, c) whether their creation is ethically acceptable in terms of their clinical usefulness or d) the use made of them for therapeutic purposes, and finally e) whether their creation is ethically justified from a cost/profitability point of view. We focus primarily on evaluating the ethical controversy between public and private banks, particularly on whether it is ethical to bank autologous blood in private UCB banks, on the basis of its limited possibilities for use by the cord blood donor. We can conclude that, from an ethical point of view, autologous blood banks have limited acceptance among specialised researchers, scientific societies and other public institutions. Therefore, we believe that it is ethically more acceptable to support the creation of public UCB banks for medical and social reasons and, above all, based on the principle of justice and human solidarity. Nevertheless, there is no definitive ethical argument why a couple, according to their autonomy and freedom, cannot bank their child's UCB in a private bank. An equally acceptable solution could be the creation of mixed banks, such as that proposed by the Virgin Health Bank or like the Spanish system where autologous samples can be stored in public banks but with the proviso that if at any time the stored sample is required by any person other than the donor, it would have to be given to them.

  12. MANAGING DISRUPTIVE TECHNOLOGY — INTERNET BANKING VENTURES FOR TRADITIONAL BANKS

    OpenAIRE

    Stephen K. Callaway; Hamilton, Robert D.

    2008-01-01

    This study examines the perception of the nature of technological change for Internet Banking by proposing and testing a model of the strategic management of online banking by traditional banks. Specifically, this empirical study uses a stratified sample of the FDIC database to address how perception of the technology and the environmental context (knowledge of cause-effect relations and crystallized outcome standards) impact internal and external constituency relationships (including social ...

  13. Analysis and Optimization of Bulk DNA Sampling with Binary Scoring for Germplasm Characterization

    Science.gov (United States)

    Reyes-Valdés, M. Humberto; Santacruz-Varela, Amalio; Martínez, Octavio; Simpson, June; Hayano-Kanashiro, Corina; Cortés-Romero, Celso

    2013-01-01

    The strategy of bulk DNA sampling has been a valuable method for studying large numbers of individuals through genetic markers. The application of this strategy for discrimination among germplasm sources was analyzed through information theory, considering the case of polymorphic alleles scored binarily for their presence or absence in DNA pools. We defined the informativeness of a set of marker loci in bulks as the mutual information between genotype and population identity, composed by two terms: diversity and noise. The first term is the entropy of bulk genotypes, whereas the noise term is measured through the conditional entropy of bulk genotypes given germplasm sources. Thus, optimizing marker information implies increasing diversity and reducing noise. Simple formulas were devised to estimate marker information per allele from a set of estimated allele frequencies across populations. As an example, they allowed optimization of bulk size for SSR genotyping in maize, from allele frequencies estimated in a sample of 56 maize populations. It was found that a sample of 30 plants from a random mating population is adequate for maize germplasm SSR characterization. We analyzed the use of divided bulks to overcome the allele dilution problem in DNA pools, and concluded that samples of 30 plants divided into three bulks of 10 plants are efficient to characterize maize germplasm sources through SSR with a good control of the dilution problem. We estimated the informativeness of 30 SSR loci from the estimated allele frequencies in maize populations, and found a wide variation of marker informativeness, which positively correlated with the number of alleles per locus. PMID:24260321

  14. 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...

  15. Analysis and optimization of bulk DNA sampling with binary scoring for germplasm characterization.

    Directory of Open Access Journals (Sweden)

    M Humberto Reyes-Valdés

    Full Text Available The strategy of bulk DNA sampling has been a valuable method for studying large numbers of individuals through genetic markers. The application of this strategy for discrimination among germplasm sources was analyzed through information theory, considering the case of polymorphic alleles scored binarily for their presence or absence in DNA pools. We defined the informativeness of a set of marker loci in bulks as the mutual information between genotype and population identity, composed by two terms: diversity and noise. The first term is the entropy of bulk genotypes, whereas the noise term is measured through the conditional entropy of bulk genotypes given germplasm sources. Thus, optimizing marker information implies increasing diversity and reducing noise. Simple formulas were devised to estimate marker information per allele from a set of estimated allele frequencies across populations. As an example, they allowed optimization of bulk size for SSR genotyping in maize, from allele frequencies estimated in a sample of 56 maize populations. It was found that a sample of 30 plants from a random mating population is adequate for maize germplasm SSR characterization. We analyzed the use of divided bulks to overcome the allele dilution problem in DNA pools, and concluded that samples of 30 plants divided into three bulks of 10 plants are efficient to characterize maize germplasm sources through SSR with a good control of the dilution problem. We estimated the informativeness of 30 SSR loci from the estimated allele frequencies in maize populations, and found a wide variation of marker informativeness, which positively correlated with the number of alleles per locus.

  16. 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.

  17. The harmonization of banking legislation in the EU

    Directory of Open Access Journals (Sweden)

    Shkëlqesa Çitaku

    2016-03-01

    Full Text Available This paper attempts to assess the current legislation of banking in the European Union. The process of unification in Europe is also followed by efforts to harmonize and unify the laws of the member states. In the field of banking industry the precondition for harmonization of laws is the integration of internal market with the free movement of capital. The regulation and supervision of banks in EU still remains fragmented. European member states still have diverse regulations concerning the role of the state. The European Commission has the important function of proposing EU legislation on financial services including banks and ensuring that EU law is properly applied throughout the EU. Banks are considered as a key industry enabling all the economic activities via depositing, crediting and arranging of payments. A number of secondary legislation has been adopted by the EU institutions to harmonize the national banking law of Member States. The principles and objectives set by the European Commission Treaty depend on four EU freedoms with the aim of effective and open market including banks. Therefore it was a continuous process of harmonization of national banking regulation via secondary law since the 70’s.

  18. Using CSR to mitigate information asymmetry in the banking sector

    Directory of Open Access Journals (Sweden)

    Semenescu Andreea

    2015-12-01

    Full Text Available The paper examines the power of corporate social responsibility to reduce information asymmetry and to act as a marketing instrument in the banking sector. Trust is the most important asset of a bank. Therefore, banks are motivated to use the most effective instruments to diminish information asymmetry with their stakeholders. The fact that cash disbursements in CSR actions are not directed towards shareholders makes them more valuable signals to other stakeholders regarding the financial soundness of the bank. The empirical study conducted based on limited dependent variable models supports the effectiveness of the CSR as marketing instrument in banking. It reveals the circumstances associated to a higher probability of an active CSR policy conducted by a banking institution. The results support the hypothesis that in the banking sector CSR is perceived as an instrument which helps stakeholders reduce information asymmetry. As marketing instrument, CSR contributes to increasing the tangibility of the banking products, decreasing their perceived variability and thus making them more attractive for the clients and allowing for differentiation between competitors.

  19. MACROECONOMIC DETERMINANTS OF SHADOW BANKING – EVIDENCE FROM EU COUNTRIES

    Directory of Open Access Journals (Sweden)

    TEODORA CRISTINA BARBU

    2016-12-01

    Full Text Available Shadow banking is a topical, debated issue on the agenda of national and European macro-prudential regulatory and supervisory authorities. It is generally accepted that shadow banks and the traditional banking system have some core functions in common, such as credit and maturity transformation, and the exposure to similar risks. However, the tight banking regulations and the decreasing trend recorded by interest rates in the post-crisis period create prospects for shadow banking sector growth. Against this background, the present paper aims at investigating the particular impact that shadow banking activity exerts on macroeconomic fundamentals. The analysis covers 15 European Union countries, including Romania, during the period 2008 – 2015, using quarterly data. Shadow banking system is used as a proxy by monetary funds, due to breaks in the series or unbalanced number of observations across selected countries. By employing panel regression, it was found that the shadow banking total assets’ variation is negatively influenced by the GDP growth, short term interest rates, M2/GDP ratio and the ratio of investment funds’ assets in GDP, and positively determined by stock index dynamics and long term interest rates. The findings sustain the literature’s point of view.

  20. The Central Bank and the State Budget: Selected Legal Aspects

    Directory of Open Access Journals (Sweden)

    Andrzej Borodo

    2015-09-01

    Full Text Available The Polish Central Bank (National Bank of Poland – NBP performs mainly macro-economic tasks, for maintaining price levels. This Bank is not focused on tasks aimed at the interests of the State Budget. The Central Bank has a lot of power in the creation of money. It seems, there is possible to create the budgetary revenues, which are connected with the emission of money. In particular, the income from emission of coins may be determined as the budget revenue. The connection the Treasury with the Central Bank results from the historical evolution of the origin and role of the Central Bank. It is reasonable to increase the role of the treasury securities in the Central Bank activity. The Treasury Bills should be used in the open market policy leading by the Central Bank. There is the issue of changing of the Constitution of the Republic Poland in the field of limit of the public debt (60% of GDP. It seems, the Polish Constitution should not be the only constitution in the world that introduced such a limit. This limit, and the limit on annual budgetary deficit, introduces EU law. That is a sufficient legal limit.

  1. Current status of commercial banks transactions of ukraine with securities

    Directory of Open Access Journals (Sweden)

    Svitlana Havryliuk

    2014-11-01

    Full Text Available The article deals with an important role of banks institutions in the development of the securities market, which its key players. Banks are integral parts of modern financial market. The security market is the most dynamic area of the financial market has undergone significant changes. Gradually changing the role of commercial banks in the security markets, increased their importance as intermediaries in this market. The activities of banks in the security market multifaceted as they are traditionally intermediaries, linking funds and interests of issuers and investors, but also the most actively using financial instruments to create their own resource base, placing cash in highly liquid and profitable securities. Effective operations with securities promote diversification of banking activities and increased competition in the financial and credit sector. It has been analyzed the dynamics of the assets of commercial banks in Ukraine and investments in the securities. It was determined positive and negative aspects of proposed measures to attract funds from the public and for the further development of banking transactions in securities, expanding customer base

  2. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    The Greek Crisis is a crisis rather than a problem due to the vulnerability of Greek banks. While the banks have deep problems, this column argues that these would have been mitigated if a fully operational banking union were in place. A full banking union requires joint banking supervision, joint...... bank resolution, and joint deposit insurance. The EZ only has the first so far. Completing the banking union must be part of any long-term solution....

  3. Customer perceptions on Internet banking information protection

    OpenAIRE

    André Redlinghuis; Chris Rensleigh

    2010-01-01

    Background: South Africa has a well-developed and established banking system which compares favourably with those in many developed countries (e.g. USA), but also sets South Africa apart from many other emerging market countries like Egypt and Brazil. Four dominant banks, namely the Amalgamated Banks of South Africa (ABSA), Standard Bank, Nedcor and First National Bank (FNB) influence the South African banking environment. Internet banking has slowly been taking off in South Africa since 1996...

  4. Innovative approaches in organization of investment and financial cooperation of entrepreneurial and banking business

    Directory of Open Access Journals (Sweden)

    Olha Vladymyr

    2014-11-01

    Full Text Available The article deals with the structure and proportion of foreign capital in the banking system of Ukraine, defined by its positive and negative impact on the foreign exchange market and the banking system as a whole. Excessive isolation of the banking system of Ukraine from foreign capital leads to restriction resources on the domestic currency market and to a decrease the competitiveness of banks. In the article performed the comparative analysis of domestic banks and banks with foreign capital, soundly the necessity and possible ways to strengthen the position of domestic banks on the foreign currency market of Ukraine. 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

  5. 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.

  6. 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.

  7. 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.

  8. 安康野桑蚕种质资源的研究与保存%Conservation of Germplasm Resources of Wild Silkworm in Ankang

    Institute of Scientific and Technical Information of China (English)

    彭云武

    2011-01-01

    为了保存安康不同区域野桑蚕资源,收集安康各地的野桑蚕,建立饲养大棚,保存安康地区野桑蚕材料23份,其他地区野桑蚕材料3份.同时,探索了建立室外大棚饲养保存野桑蚕的方法,构建了人工保存的野桑蚕种质资源库,发现安康野桑蚕一代存在4~5个月的长蛹期.%In order to conserve wild silkworm resources in different areas of Ankang, the wild silkworm resources were collected and large nylon rearing house was build.23 wild silkworm materials in Ankang and three wild silkworm materials in other areas were conserved.Meanwhile, the method of rearing and conserving wild silkworm in wild condition was explored and the artificially conserved germplasm resources bank of wild silkworm was established.In the end, it was discovered that wild silkworm in Ankang has long pupal stage with 4~5 months within one generation.

  9. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

    This thesis consists of three chapters. The rst, "Paying for Payments", examines the role of interchange fees in payment card networks. The second, "Bank Liquidity and the Interbank Market" (co-authored with Mikael Reimer Jensen), investigates how banks' liquidity holdings at the central bank a ect...... outcomes in the money market. The third, "Collateralized Lending and Central Bank Collateral Policy", considers the emergence of credit constraints under collateralized lending, and how central banks use collateral policy to mitigate these constraints. While the chapters can be read independently......, they share common themes. Each chapter is concerned with payments in one way or another, each is concerned with the e ciency of market outcomes, and, to the extent that there is scope for improving these outcomes, each discusses the appropriate role for policy, in particular central bank policy....

  10. 77 FR 64115 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-18

    ... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Banking Corporation, and thereby indirectly acquire voting shares of Security State Bank, both in...

  11. 76 FR 2383 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-01-13

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...: 1. SG-BBC, LLC, and The Stephens Group, LLC, both of Little Rock, Arkansas; to acquire voting...

  12. Loan Products Included in the Offer of Commercial Banks

    Directory of Open Access Journals (Sweden)

    Vasile Dedu

    2009-04-01

    Full Text Available A bank loan is the main form of economical credit. It is for corporate activities – for medium and big companies and for retail activities – for small companies and individuals. The conditions for credit mainly depend on the quality of customers, it means their ability to perform a profitable activity and to be able to pay back the credits. For reasons which are mainly connected to marketing, bank practice has developed a large range of credit names, trying to emphasize some of the parts of the products or to take profit of some competition advantages in relation with customers’ products. We are trying to include the offer of bank loans in a typology which takes into account the law, the bank field rules and the main technical features of the offered products.

  13. Credit risk management in banks

    OpenAIRE

    Pětníková, Tereza

    2014-01-01

    The subject of this diploma thesis is managing credit risk in banks, as the most significant risk faced by banks. The aim of this work is to define the basic techniques, tools and methods that are used by banks to manage credit risk. The first part of this work focuses on defining these procedures and describes the entire process of credit risk management, from the definition of credit risk, describing credit strategy and policy, organizational structure, defining the most used credit risk mi...

  14. The Promotion of Banking Services

    OpenAIRE

    IVAN Rica

    2012-01-01

    The purpose of the scientific approach is to demonstrate the usefulness of the adoption of modern promotion techniques in the actual financialbanking sector, in addition to the classical techniques. To achieve this end, the investigation of the Romanianfinancial-banking sector has been deeply conducted, by evaluating the market relations existing between the financial and banking institutions and individuals, as well as promotional techniques adopted by banks, during the communication process...

  15. GenBank

    OpenAIRE

    Burks, Christian; Cassidy, Maxxwell; Cinkosky, Michael J.; Cumella, Karen E.; Gilna, Paul; Hayden, Jamie E.-D.; Keen, Gifford M.; Kelley, Tom A.; Kelly, Michael; Kristofferson, David; Ryals, Julie

    1991-01-01

    The GenBank nucleotide sequence database now contains sequence data and associated annotation corresponding to 56,000,000 nucleotides in 45,000 entries. The input stream of data coming into the database has largely been shifted to direct submissions from the scientific community on electronic media. The data have been installed in a relational database management system and are made available in this form through on-line access, and through various network and off-line computer-readable media...

  16. Fractional Reserve Banking

    OpenAIRE

    Andreasen, Niels; Bjerregaard, Mads; Lund, Jonas; Olsen, Ove Bitsch; Rasmussen, Andreas Dalgas

    2012-01-01

    Projektet er bygget op omkring kritisk realisme, som er det gennemgående videnskabelige fundament til undersøgelsen af hvilke strukturelle grunde der er til finansiel ustabilitet i Danmark. Projektet går i dybden med Fractional Reserve Banking og incitamentsstrukturen i banksystemet. Vi bevæger os både på det makro- og mikroøkonomiske niveau i analysen. På makro niveau bruger vi den østrigske skole om konjunktur teori (The Positive Theory of the Cycle). På mikro niveau arbejder vi med princip...

  17. Jordan Banks Financial Soundness Indicators

    Directory of Open Access Journals (Sweden)

    Imad Kutum

    2015-09-01

    Full Text Available The aim of this research paper is to examine the Jordanian banks using financial soundness indicators. This is to establish if Jordanian banks were affected because of the 2007/2008 financial crisis and determine the underlying reasons. The research paper was conducted on 25 banks in Jordan listed in the countries securities exchange. The research methodology used consisted of examining the banks financial records in order to derive four crucial Basel III ratio such as the capital adequacy ratio, the leverage ratio, the liquidity ratio and finally the Total Provisions (As % Of Non-Performing Loans %. The results revealed that out of the four hypotheses under examination Jordan Banks do not meet Basel financial Indicators for Capital Adequacy Ratio, Jordan Banks does not meet Basel financial Indicators for Liquidity Ratio , Jordan Banks do not meet Basel financial Indicators for Leverage Ratio and Jordan Banks do not meet Basel financial Indicators for Total Provisions (As % Of Non-Performing Loans ratio. Only one hypothesis was accepted based on the research outcomes. The rest of the hypothesis was rejected since the average trend line did not go below the Basel III required ratio level. The general outcome of the research revealed that Jordanian banks were not affected significantly by the financial crisis.

  18. Halcyon Days of the Banks?

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    With limited exposure to the global financial crisis, Chinese banks have remained profitable for the past three quarters while the rest of the world has groaned under the spreading global financial turmoil, China’s banking industry reported another season of good harvest when 14 listed banks all managed to secure high net profit growth in the first three quarters of this year. According to their quarterly reports, the 14 banks reaped a total of 334.1 billion yuan ($49 billion) in net profit during the period,

  19. Breaking e-Banking CAPTCHAs

    OpenAIRE

    Li, Shujun; Shah, Syed Amier Haider; Khan, Muhammad Asad Usman; Khayam, Syed Ali; Sadeghi, Ahmad-Reza; Schmitz, Roland

    2010-01-01

    Many financial institutions have deployed CAPTCHAs to protect their services (e.g., e-banking) from automated attacks. In addition to CAPTCHAs for login, CAPTCHAs are also used to prevent malicious manipulation of e-banking transactions by automated Man-in-the-Middle (MitM) attackers. Despite serious financial risks, security of e-banking CAPTCHAs is largely unexplored. In this paper, we report the first comprehensive study on e-banking CAPTCHAs deployed around the world. A new set of image p...

  20. Perbandingan Penawaran Investasi Depostio Bank Syariah

    Directory of Open Access Journals (Sweden)

    Hery Harjono Muljo

    2010-05-01

    Full Text Available From the beginning, the sharia banks operation is always supporting mosleem expectations. Economic recovery, fairness, security, and comfortness aspects are became ultimate goals of sharia bank in Indonesia. This research is comparing the investment deposits from 3 sharia banks, and 4 business units of sharia, by using comparative descriptive analysis. The comparative variables were devided into 3 categories; there are Nisbah (profit sharing, investment conditions, and bank fascilities. The results indicates that BNI has the highest nisbah between all sharia banks at the first category. Bank Muamalat Indonesia, BNI Sharia, Bank Sharia Mega Indonesia has the lowest openning balance of time-deposits at second category . The product fascility as the third category, indicates that Bank Sharia Mandiri, BNI Sharia, Bank Sharia Mega Indonesia, and Bank Muamalat can using multi currency. BTN Sharia, Bank Sharia Mega Indonesia, Bank Muamalat Indonesia, and Bank Danamon Sharia were also offer joint account in their sharia investment. 

  1. Perbandingan Penawaran Investasi Depostio Bank Syariah

    Directory of Open Access Journals (Sweden)

    Hery Harjono Muljo

    2010-04-01

    Full Text Available From the beginning, the sharia banks operation is always supporting mosleem expectations. Economic recovery, fairness, security, and comfortness aspects are became ultimate goals of sharia bank in Indonesia. This research is comparing the investment deposits from 3 sharia banks, and 4 business units of sharia, by using comparative descriptive analysis. The comparative variables were devided into 3 categories; there are Nisbah (profit sharing, investment conditions, and bank fascilities. The results indicates that BNI has the highest nisbah between all sharia banks at the first category. Bank Muamalat Indonesia, BNI Sharia, Bank Sharia Mega Indonesia has the lowest openning balance of time-deposits at second category . The product fascility as the third category, indicates that Bank Sharia Mandiri, BNI Sharia, Bank Sharia Mega Indonesia, and Bank Muamalat can using multi currency. BTN Sharia, Bank Sharia Mega Indonesia, Bank Muamalat Indonesia, and Bank Danamon Sharia were also offer joint account in their sharia investment.

  2. 12 CFR 811.1 - Authority of Reserve Banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Authority of Reserve Banks. 811.1 Section 811.1 Banks and Banking FEDERAL FINANCING BANK BOOK-ENTRY PROCEDURE FOR FEDERAL FINANCING BANK SECURITIES § 811.1 Authority of Reserve Banks. Each Reserve Bank is hereby authorized, in accordance with...

  3. Mobile Banking Supervising System- Issues, Challenges and Suggestions to improve Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Dr.K.Kavitha

    Full Text Available Banking is one of the Largest Financial Institution which constantly provides better Customer Services. To improve the Service Quality, Banking Services are expanded to Mobile Technology. Recently Mobile Banking plays a vital role in Banking Sector. This ...

  4. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

    This paper expands the banking efficiency literature by developing a banking intermediation model that captures both profit-maximizing and Corporate Social Responsibilities (CSR) of banks. Using a data set of 21 banks for each year 2006-2008, we evaluate the relative efficiency of Ghanaian banks...... that are socially responsible may have economic advantages....

  5. 40 CFR 91.205 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 91.205 Section 91.205... EMISSIONS FROM MARINE SPARK-IGNITION ENGINES Averaging, Banking, and Trading Provisions § 91.205 Banking. (a... banking. (i) For outboard engines in model year (MY) 1997, a manufacturer may bank positive...

  6. 32 CFR 643.113 - Banks.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 4 2010-07-01 2010-07-01 true Banks. 643.113 Section 643.113 National Defense... Authority of Commanders § 643.113 Banks. (a) The establishment of banks, branch banks, and banking... fair market value, and reimbursement will be required for utilities and services furnished. (e) A...

  7. BEST BANKS TO BUY IN CHINA

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    @@ CEOs of international banks face their toughest challenge in China. Citibank and HSBC already moved aggressively by taking stakes in the remaining large and well-known banks, such as the Shanghai Pudong Development Bank and the Bank of Communications. Such tie-ups offer opportunities to market credit cards and other banking products through local networks.

  8. Online Banking Customers: Insights from Germany

    Directory of Open Access Journals (Sweden)

    Sven Christian Berger

    2007-04-01

    Full Text Available Online banking is wide spread among German banking customers. But what really characterizes those customers? Using data from a nation-wide survey of about 20,000 retail banking customers, the authors analyze the profile of online banking customers and their banking behavior.

  9. Contagious bank failures in a free banking system

    NARCIS (Netherlands)

    Aghion, P.; Bolton, P.; Dewatripont, M.

    2000-01-01

    This paper develops a model of an unregulated banking system based around a private clearing house arrangement. Whilst such a system may dominate one with a public safety net in reducing moral hazard in lending and therefore the scope for individual bank insolvency, it also increases the likelihood

  10. Central Bank Focuses on Money Supply and Commercial Bank Reform

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    @@ Money supply index will continue to be the main topic of the annual meeting of Central Bank, this has actually refuted the rumor that the intermediate goal of Central Bank's monetary policy,which has been implementing for 8 years, will be demolished.

  11. Comparative Prospects of the New Development Bank and Asian Infrastructure Investment Bank

    Directory of Open Access Journals (Sweden)

    Andrei Shelepov

    2016-11-01

    Full Text Available In this article the author focuses on the recently established New Development Bank (NDB and Asian Infrastructure Investment Bank (AIIB. It identifies two factors of demand for this new model of multilateral development banks (MDBs, namely a lack of infrastructure financing and the aspirations of developing countries for a greater role in the global financial system. The author also compares the NDB and AIIB according to membership, management structure, distribution of capital and votes, and options for attracting capital in the financial market. Based on this comparison, he forecasts the banks’ credit portfolios growth until 2025. The author concludes that both institutions should accumulate and use the best practices of existing MDBs, improve their image to attract investors and actively engage in sharing expertise and co-financing projects with development institutions as well as commercial banks. By doing so, the volume of their operations could reach $40 billion per year in 10 years, which is close to the volume of infrastructure financing provided by major traditional banks, and could contribute substantially to addressing the financing needs of developing countries.

  12. Liquidity Risk on Banking Industry: Comparative Study Between Islamic Bank and Conventional Bank in Indonesia

    OpenAIRE

    Harjum Muharam; Hasna Penta Kurnia

    2015-01-01

    Conventional and Islamic banks approximately are similar in risk summary. Therefore it needs further observations to control their liquidity risk. This study investigates the influence of CAR, profitability rasios, NIM, liquidity gaps, and RLA belongs to liquidity risk on banking industry. The statistical analysis concluded that there are negative and significant influence of CAR and ROE to liquidity risk on conventional banks, while ROA and RLA have positive and significant effect. In Islami...

  13. Determinents of profitability – a comparative analysis of islamic banks and conventional banks in ASEAN countries

    OpenAIRE

    Wahidudin, AHMAD Nazri; Subramaniam, ULAGANATHAN; Pg. Kamaluddin, PENGIRAN. Abd Mutalib

    2012-01-01

    The profit and loss sharing system allows bank to share risk with client in Islamic banks. Moreover Islamic banks are required to operate as per Islamic Rules and principles. Unlike Islamic banks, conventional banks operate based on interest. The income of conventional banks is the difference between interest paid to depositors and interest paid by borrowers. This is the common banking system around the world. This study will analyze determinants of profitability in Islamic banks will be co...

  14. Information Technology Role in Reducing E-Banking Services Risk in Jordanian Banking Sector

    OpenAIRE

    Ahmad Y. Areiqat; Aymen M. Abu-Errub; Badi S. AL-Rawashdeh; Mohammad Dbbaghieh

    2012-01-01

    Problem statement: This study aims to highlight the role of information technology in reducing risk of electronic banking services in the Jordanian banking sector. The study was conducted on three banks as a sample representative of the Jordanian banking sector. Approach: Data collection was through conducting personal interviews with the operations managers in the three banks (HBTF, JC Bank and Audi Bank). Results: The results showed that Jordanian banks showed highest attention toward risk ...

  15. The Relevance of the Bank Lending Channel in Brazil

    Directory of Open Access Journals (Sweden)

    Fernando Nascimento de Oliveira

    2008-12-01

    Full Text Available This paper evaluates the existence of an active bank-lending channel of monetary policy. The empirical analysis is based on a two-step regression that tests how the liquidity of commercial banks reacted to monetary shocks. We use balance sheet information of 293 commercial banks from July 1994 to December 2005. Our main conclusion is that the banklending channel is relevant for our understanding of the monetary transmission mechanism in Brazil. This result is found when monetary shocks are identified by the SELIC rate endogenously or exogenously or by required reserves over demand deposits. (Full article in Portuguese only

  16. Still the century of government savings banks? The Caixa Econômica Federal

    Directory of Open Access Journals (Sweden)

    Kurt von Mettenheim

    2006-03-01

    Full Text Available This article explores general concerns about government banking, social inclusion, and democracy through case study of the Brazilian federal government savings bank (Caixa Econômica Federal. Review of government savings banks in Brazilian history suggests that these institutions have been at the center of domestic political economy, expanding and contracting under a variety of political regimes and economic conditions. Since capitalization to meet central bank and Basel Accord guidelines in 2001, the Caixa has attempted to modernize, continue to serve as agent for government policies, and expand both popular credit and savings and investment banking activities.

  17. Liquidity Risk on Banking Industry: Comparative Study Between Islamic Bank and Conventional Bank in Indonesia

    Directory of Open Access Journals (Sweden)

    Harjum Muharam

    2015-11-01

    Full Text Available Conventional and Islamic banks approximately are similar in risk summary. Therefore it needs further observations to control their liquidity risk. This study investigates the influence of CAR, profitability rasios, NIM, liquidity gaps, and RLA belongs to liquidity risk on banking industry. The statistical analysis concluded that there are negative and significant influence of CAR and ROE to liquidity risk on conventional banks, while ROA and RLA have positive and significant effect. In Islamic banks, a positive and significant impact of NIM and ROE to dependent variable, whereas liquidity gaps and RLA have significat effect.DOI: 10.15408/aiq.v5i2.2118

  18. Causal Relationship between Liquidity and Profitability of Nigerian Deposit Money Banks

    OpenAIRE

    Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi

    2015-01-01

    The aim of this paper is to examine the existence and direction of causality between liquidity and profitability of deposit money banks in Nigeria. Fifteen quoted banks out of the existing nineteen banks were selected for the study. They are; Guarantee Trust bank, Zenith bank, Skye bank, Wema bank, Sterling bank, First City Monument bank, United Bank for Africa, Eco bank, First bank, Access bank, Diamond bank, Unity bank, Fidelity bank, Union bank and IBTC bank. Pairwise Granga Causality test...

  19. 12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

    Science.gov (United States)

    2010-01-01

    ... production office in accordance with the provisions in § 208.7 of Regulation H (12 CFR 208.7). ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Interstate banking operations of foreign banking organizations. 211.22 Section 211.22 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF...

  20. 5 CFR 630.1003 - Establishing leave banks and leave bank boards.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Establishing leave banks and leave bank... REGULATIONS ABSENCE AND LEAVE Voluntary Leave Bank Program § 630.1003 Establishing leave banks and leave bank boards. (a) Each agency that participates in the voluntary leave bank program shall, in accordance...