The rise and growth of Serbian banking until World war I: Part one: Creation of preconditions for the rise of Serbian banking until 1878

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Stojanović Biljana

2016-01-01

Full Text Available The development of Serbian banking during the 19th century was a gradual process that underwent two distinctive stages with the turning point in 1878 when Serbia became an independent state by the international agreement concluded at the Berlin Peace Conference. In the first stage, until 1878, the vassal state of Serbia had been introducing necessary political, economic and institutional preconditions for the rise of banking that led to the creation of the first organized credits and banks. At the end of this stage, there were two types of proper banks: state banks and privately-owned banks. Since the authorities of the vassal state of Serbia played a key role in preparing institutional framework for the banking operations and in organizing the first credit facilities, it could be argued that Serbian banking arose in the 19th century as a result of both state-backed and growthinduced processes.

La geografia del potere bancario: il ruolo delle distanze funzionali (The Geography of Banking Power: Role of Function Distance

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Pietro Alessandrini

2012-04-01

Full Text Available In questo lavoro analizziamo la nuova geografia del sistema bancario italiano che si è determinata in seguito al processo di integrazione delle strutture bancarie negli ultimi anni. L’analisi dell’evoluzione del sistema bancario si basa sul concetto di distanza. In particolare, non facciamo soltanto riferimento alla distanza tradizionale tra banca e clienti, che è la distanza operativa, ma anche alla distanza tra centri decisionali delle banche e i sistemi locali. L’oggetto del saggio riguarda gli effetti che la distanza (o prossimità funzionale determina sulla performance delle banche in termini di allocazione del credito, sull’efficienza e sulla profittabilità. Le nostre stime econometriche provano che la prossimità funzionale ha effetti territoriali asimmetrici sulla performance delle banche. I suoi effetti benefici sono statisticamente evidenti per le regioni meridionali meno sviluppate, mentre non sono significativamente rilevanti per le regioni più sviluppate del Centro-Nord dell’Italia.   In this paper we analyze the new geography of the Italian banking system that has arisen after the integration of banking structures in recent years. The analysis of the evolution of the banking system is based on the concept of distance. In particular, we do not only refer to the traditional distance between banks and customers, which is the operating distance, but also to  the distance between the centers of decision-making banks and local systems. The subject of the essay is about the effects that the distance (or proximity function determines on the performance of banks in terms of credit allocation, on efficiency and on profitability. Our econometric estimates show that the functional proximity has asymmetric territorial effect on the performance of banks. Its beneficial effects are statistically obvious to the less developed southern regions, while they are not significantly relevant to the more developed regions of central and

William Pitt, the Bank of England, and the 1797 Suspension of Specie Payments: Central Bank War Finance During the Napoleonic Wars

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Scott N. Duryea

2010-05-01

Full Text Available Modern military engagements are made possible by a state’s ability to easily acquire revenue. By either taking the money from its citizens via taxation, borrowing funds through bonds or loans from private financiers or other governments, or inflating the currency by issuing bank notes without the backing of specie or another commodity, Western governments wield enough power over money and banking to fund any venture. British involvement in the Napoleonic Wars was no exception to the rule. This paper examines the role of the British government, including William Pitt and Parliament, and the Bank of England in manipulating the currency, by borrowing, taxing, and issuing Bank notes to fund the war with Napoleonic France in the late eighteenth and early nineteenth centuries.

Aprovechamiento de vulnerabilidades del sistema operativo Windows con la herramienta metasploit

OpenAIRE

Arévalo Ticlla, Susan; Infante Girón, Giancarlo; Valdivia Huamán, Dany; Velásquez Rojas, Juan

2014-01-01

En este trabajo de investigación se desarrolló el testeo de las vulnerabilidades existentes en el sistema operativo de los equipos de cómputo de una red, para lo cual se usó la herramienta Metasploit, incluida en la distribución GNU/LINUX BackTrack 5R3. Se realizaron pruebas en una red doméstica y la primera fue con un host con sistema operativo Windows versión 7, y teniendo éste el firewall y antivirus activados. Se elaboró una propuesta de mejora para el proceso del estudio, que consiste en...

Transazioni "professionali" in valuta estera, rischio di cambio e crescita del sistema bancario internazionale. ( “Professional trading”, exchange rate risk and the growth of international banking: a note

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P. CALLIER

2013-12-01

Full Text Available Il movimento da tasso fisso a tassi di cambio fluttuanti ha portato alle previsioni che i mercati valutari potrebbero diventare più volatili . In particolare , la questione se la speculazione nel mercato è stata stabilizzazione o destabilizzante è stata ampiamente discussa . Preoccupazione è stata espressa anche se i fondi speculativi sufficienti sarebbero disponibili per garantire la mobilità dei capitali . L'autore sostiene che lo sviluppo del sistema bancario internazionale ha consentito alle banche di intraprendere negoziazioni di valute più speculative senza incorrere in un rischio maggiore , in modo da alleviare il problema della mobilità dei capitali .The movement from fixed to floating exchange rates led to predictions that foreign exchange markets might become more volatile. In particular, the issue whether speculation in the market was stabilising or destabilising was widely debated. Concern was also expressed whether sufficient speculative funds would be available to ensure capital mobility. The author argues that the development of international banking has allowed banks to undertake more speculative foreign exchange trading without incurring greater risk, thus alleviating the problem of capital mobility. JEL: F31, F33, G21

Compensación de potencia reactiva mediante bancos asimétricos de capacitores; Reactive Power Compensation by Unbalanced Capacitor Banks

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Ignacio Pérez Abril

2011-02-01

Full Text Available A pesar de que los sistemas de distribución primaria y secundaria son desbalanceados por naturaleza, lacompensación de potencia reactiva en estos sistemas, se realiza comúnmente mediante bancos decondensadores trifásicos balanceados. En este trabajo se presenta la formulación general para el problemade compensación de potencia reactiva en sistemas desbalanceados mediante bancos de condensadoresdesbalanceados. Se presentan cuatro ejemplos de compensación en el secundario de bancos desbalanceadosde transformadores monofásicos. Todos los ejemplos muestran que la compensación por bancosdesbalanceados de capacitores incrementa los beneficios con respecto al uso de bancos balanceados  In spite of the fact that primary and secondary distribution systems are unbalanced by nature, thereactive power compensation on these systems is commonly developed by the use of balanced capacitorbanks. In this paper, the general formulation for the reactive power compensation problem onunbalanced systems with unbalanced capacitor banks is developed. Four examples of reactive powercompensation on the secondary of unbalanced three-phase transformers banks are presented. All theexamples show that the compensation by unbalanced capacitor banks increases the active power lossessaving as well as reduce the transformer’s load and contributes to balance the line currents when the loadis unbalanced.

Lombalgia ocupacional Occupational low back pain

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Milton Helfenstein Junior

2010-01-01

Full Text Available A lombalgia ocupacional apresenta etiologia multifatorial, elevada prevalência e incidência. Caracterizada por quadro de dor de variada duração e intensidade, a dor lombar pode levar à incapacidade laborativa e à invalidez. A lombalgia acarreta sofrimento aos trabalhadores, custos às empresas, aos sistemas previdenciário e assistencial de saúde. Os autores, pela relevância do tema, elaboraram este artigo de revisão bibliográfica dando ênfase ao embasamento teorico-conceitual e à experiência de especialistas.The occupational low back pain presents multifactorial aetiology, important prevalence and incidence. Characterized by pain of varying duration and intensity, low back pain may lead to disability. Low back pain causes suffering to workers, implies costs to companies, to the social security and health assistance system. Because of the theme's relevance, the authors have elaborated this review of literature with emphasis on a theoretical and conceptual basis, as well as experience of experts.

¿EXISTE DISCIPLINA DE MERCADO EN EL SISTEMA BANCARIO COSTARRICENSE?

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Mauricio Mayorga Martínez

2002-12-01

Full Text Available El objetivo principal del presente estudio consistió en evaluar la existencia o no de disciplina de mercado en el sistema bancario costarricense lo cual puede ser una evidencia importante previo al posible establecimiento de un Fondo de Garantía de los depósitos bancarios en Costa Rica.De acuerdo con los resultados de las estimaciones, podría afirmarse que la hipótesis de la existencia de disciplina de mercado en el sistema bancario costarricense se comprobó aunque de una manera muy débil o incipiente.La mayor parte de las variables fundamentales del desempeño y que reflejan el nivel de riesgo asumido por los intermediarios bancarios no parecen tener influencia sobre el comportamiento de los depósitos al igual que con la mayoría de las variables macroeconómicas.Los resultados también indican que la captación en cada uno de los bancos comerciales, si bien reacciona de igual manera ante los cambios en las variables explicativas, cada una de las instituciones presenta ciertas particularidades que los hacen diferentes entre sí. AbstractThe primary target of the present study consisted of evaluating the existence or not of market discipline in the Costa Rican banking system which can be previous an important evidence to the possible establishment of a guarantee system of the banking deposits in Costa Rica.In agreement with the results of the estimations, it could affirm that the hypothesis of the existence of market discipline in the Costa Rican banking system was verified although of a very weak or incipiente way.Most of the fundamental variables of the performance and that they reflect the level of risk assumed by the banking intermediaries does not seem to have influence on the behavior of the deposits like with most of the macroeconomic variables.The results also indicate that the pick up of funds in each one of the commercial banks, although reacts of equal way before the changes in the explanatory variables, each one of the

COMPARATIVE STUDY OF OWN FUNDS IN THE BANKING SYSTEM

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Tesu Ramona

2012-12-01

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

Cross-border banking and the importance of parents banks' performance for subsidiaries' credit extensions: evidence derived from a newly constructed database

OpenAIRE

Zagorisiou, Angeliki

2017-01-01

The systemic role of foreign banks in the CESEE region coupled with the turbulence in financial markets back in 2008, have given rise to the study at hand. Some years after the global crisis, it is a perfect moment to conduct an overarching analysis of the parent-subsidiary relationship and to examine how those banks behave at micro level. Firstly, the study discerns between different types of foreign ownership and explores their propensity to extend credit vis-à-vis their domestic owned comp...

Orden monetario y bancos centrales Monetary order and Central Banks

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Aglietta Michel

1996-06-01

Full Text Available Con el enfoque evolucionista e institucionalista de la economía de las convenciones francesa, este trabajo analiza el surgimiento histórico de la banca central y la creación institucional del 'arte de la banca central'. El artículo estudia los modelos formales del orden monetario, la banca libre y la banca central, y analiza los eventos históricos que llevaron a que el Banco de Inglaterra inventara el arte de manejar los bancos centrales en conjunción con el aprendizaje colectivo e institucional que lo hizo posible. Aglietta muestra que la banca central no es una creación del Estado sino una creación institucional endógena al sistema de mercado.With the evolutionist and institutionalist focus of the economics of the French conventions, this paper analyzes the historical rise of the central bank and the institutional creation of the 'art of the central bank'. The article studies formal models of the monetary order, free banking and the central bank, and analyzes the historie events that led to the Bank of England inventing the art of managing the central banks, in conjunction with the collective and institutional learning that made it possible. Aglietta shows that the central bank is not a creation of the State, but rather aninstitutional creation endogenous to the market system.

O Treinamento de Clientes e sua Relação com a Intenção de Uso do Internet Banking

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Marcos Paulo Albarello Friedrich

2016-12-01

Full Text Available O número de usuários do internet banking no Brasil cresceu muito rápido nos últimos anos, alcançando mais de 37 milhões (Febraban, 2013. Esse sistema é uma excelente ferramenta para redução de filas bancárias, porém do total de usuários, somente 20% faz suas transações financeiras pela internet, o restante utiliza apenas para consultas. Partindo desses dados e com intuito de ampliar o uso do sistema, esse estudo busca identificar qual o impacto do treinamento em internet banking sobre a intenção de uso desse sistema mediado pela percepção de risco, pela confiança e pela facilidade de uso percebida. Realizou-se uma pesquisa descritiva/quantitativa com coleta de dados através de questionário online. Os resultados apresentaram valores significativos para ambas as variáveis mediadoras e permitiu inferir-se que o treinamento em internet banking amplia a intenção de uso de maneira indireta, através da redução da percepção de risco e do aumento da facilidade de uso percebida e da confiança.

Marketing channels of banking products and services in contemporary business environment

OpenAIRE

Rakita Aleksandra

2016-01-01

Marketing application in banking is dating back to the 50s of 20th century, and since then its role is constantly changing. His modern role of synthesis of analysis, planning and control of the bank in the financial markets, achieved by the use of instruments of marketing mix (product, price, distribution and promotion). The paper is an analysis of the distribution function, and is primarily an overview of the modern distribution channels of banking products and services in the US, as the mos...

Application of ecohydraulic bank protection model to improve river bank stability and biotic community in Surabaya River

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Daru Setyo Rini

2017-10-01

Full Text Available Ecohydraulic river bank protection design was developed as ECO-RIPRAP model and has been applied along 100 meter length to restore accelerated erosion sites in Surabaya River at Wringinanom and Klubuk. The model combined re-profiled and re-vegetated bank with rock toe reinforcement and addition of log groynes at 10 meter length interval. Various native plant species were planted on bank slopes, including water plants Ipomoea aquatica and Pistia stratiotes, grasses and shrubs Ipomoea carnea, Pluchea indica, Saccharum spontaneum, Arundo donax, and native tree species Ficus glomerata, Bambusa arundinacea, Dendrocalamus asper, Bambusa vulgaris, Ficus benjamina, Dillenia indica, Psidium guajava, Arthocarpus camansi, Arthocarpus elasticus, Hibiscus mutabilis, Nauclea sp., Inocarpus edulis, and Syzygium polyanthum. The river bank morphology after ECO-RIPRAP application showed alteration from erosion to sedimentation due to rock toe enforcement, log groynes protection, and increase of plant cover on littoral banks that decreased near bank velocity. The macro-invertebrate community shown increase of taxa richness, EPT richness, %EPT and %Atyidae, but decrease of %Chironomidae at restored sites. The fish community shown increase of taxa richness, increase of abundance by 54.2%, increase of Pangasius micronemus abundance by 25.6%, and increase of Hemibragus nemurus abundance by 6.3 % at restored reach. Rare fish species thrive back at restored area, namely Oxyeleotris marmorata, Mastacembelus unicolor and Hampala macrolepidota.

Business process reengineering and Nigerian banking system efficiency

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John N. N. Ugoani

2017-12-01

Full Text Available Prior to 2000, and before banks in Nigeria embraced the NBS was inefficient, characterized by frauds, long queues, nonperforming loans, illiquidity and distress. As one way of overcoming these challenges banks started to focus on BPR as a veritable tool to drive efficiency customer satisfaction and improved shareholder value. With the advent of BPR and process improvement efficiency gradually strolled back in to the NBS Against the prereengineering era when the liquidity ratio of the NBS was minus 15.92 percent in 1996 with no bank meeting the 30 percent minimum prudential requirement, the NBS had a positive average liquidity ratio of 65.69 in 2011 with all the banks meeting the 30 percent minimum liquidity ratio. The banks that introduced BPR early in the 2000s have remained without distress, liquid, efficient with high growths in gross earnings, total assets profitability and total equity. The research design was deployed for the study, and it was found that BPR has positive effect on NBS efficiency.

Development of banking in Herzegovina during the Austro-Hungarian occupation

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Vujović Milan

2015-01-01

Full Text Available This paper gives an overview of the development of cash offices and banks in Herzegovina under Austro-Hungarian occupation. Priority in development was given to its economy and banks by Austro-Hungarian authorities, especially banks with foreign capital in relation to the founding and development of domestic banks in Herzegovina. New authorities were especially active in building military barracks, headquarters, fixing the roads and other infrastructure, which increased employment, cash flow and the need to found banks. On the other hand, by repressive measures and divisions according to religion and nationality, occupying authorities were holding back a faster economic, cultural and sports development of the domestic population. At the initiative of the Serbian and other nations in Herzegovina, they founded economic, banking, cultural and sports organizations and associations which were actively involved in the country's development. That was the foundation for the development of a network of banking organizations and cash offices, which contributed to larger cash flow and the advancement of economy, crafts, trade and other activities in the country.

Disruption in Banking in Emerging Market Economy: An Empirical Study of India

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Reena Agrawal

2017-12-01

Full Text Available The present study was taken up to capture the ongoing disruptions in banking in the Indian economy. The objective of this research was to: (1 study the initiatives taken by Reserve Bank of India to stimulate the payment market, (2 explore the disruptions in the Indian payment space, (3 examine the digitization at banks in India and (4 identify the challenges faced by traditional Indian banks and (5 propose measures to cope with threats posed by non-bank players. The study found that as technology companies and other non-bank players have successfully penetrated into large customer segments by offering basic banking services, to the customers at their doorsteps and at their convenience; it is obligatory for the traditional banks to expand market outreach and enrich service quality via digital podia, strategic alliances and disruptive innovations, in case they wish to avoid the risk of being relegated to back-office utilities.

Loan Products Included in the Offer of Commercial Banks

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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.

Accounting Discretion of Banks During a Financial Crisis

NARCIS (Netherlands)

Huizinga, H.P.; Laeven, L.

2009-01-01

This paper presents evidence of banks using accounting discretion to overstate the value of distressed assets. In particular, we show that the stock market applies far greater discounts to a bank’s real estate loans and mortgage-backed securities than are implicit in the book values of these assets,

Quality Determinants of Independent Audits of Banks

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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.

Market reaction to bank liquidity regulation

OpenAIRE

Bruno, Brunella; Onali, Enrico; Schaeck, Klaus

2018-01-01

We measure market reactions to announcements concerning liquidity regulation, a key innovation in the Basel framework. Our initial results show that liquidity regulation attracts negative abnormal returns. However, the price responses are less pronounced when coinciding announcements concerning capital regulation are backed out, suggesting that markets do not consider liquidity regulation to be binding. Bank- and country-specific characteristics also matter. Liquid balance sheets and high cha...

Bancos de semillas en el suelo Soil seed banks

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M. De Souza Maia

2006-06-01

Full Text Available En las comunidades vegetales, el banco de semillas en el suelo (BSS constituye el potencial regenerativo. La reposición de los individuos a partir del BSS puede tener un efecto marcado en la composición y en los patrones de vegetación de la comunidad. Numerosas investigaciones se han llevado a cabo en bancos de semillas en hábitats agrícolas o en comunidades naturales. Esta revisión tiene como objetivo analizar los conceptos relacionados a BSS, los procesos de formación de éstos, las implicancias agrícolas y cómo esta información puede ser usada para la conservación de los sistemas productivos.In plant communities, the soil seed bank (SSB represents their regenerative potential. The replacement of individuals from the seed bank may have profound effects on the composition and patterns of the vegetation within the community. Many investigations about seed banks have been made within agricultural habitats or in natural communities. The attempt of this review about the seed banks in the soil is to analyze the concepts related to SSBs, their formation, the agricultural implications and how this information might be used for the conservation of the productive systems.

A Knowledge-based System for the Analysis of the Ability of Paying back Loans

Institute of Scientific and Technical Information of China (English)

朱明; 杨保安

2001-01-01

This paper describes the development of a knowledgebased system (KBS) for determining whether or not, and under what conditions, a bank Ioan officer should grant a business loan to a company. The prototype system developed focuses on what is bank loans risks management, how to prevent risk by the analysis of the ability of paying back loans. The paper makes the structural analysis involved in the system's decision situation, the structured situation diagram or model, dependency diagram and the document needed by the KBS prototype system thus are developed. Through testing the samples from loan business, the quality for the analysis of the ability of paying back loans can be effectively evaluated by the KBS prototype system.

Banco de sementes de aveia preta no solo sob dois sistemas de manejo Soil seed bank of black oat in two management systems

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Marcos Paulo Ludwig

2011-01-01

Full Text Available As sementes de aveia preta (Avena strigosa Schreb. possuem a capacidade de permanecer viáveis no solo de um ano de cultivo para outro. Dessa forma, o objetivo do trabalho foi avaliar o número de sementes de aveia preta resultantes de dois sistemas de manejo (colheita e ressemeadura natural, que poderão formar o banco de sementes do solo. Os ensaios foram realizados no município de Jari - RS, em uma área cultivada sob o sistema de "plantio direto". Foram coletadas 50 amostras em cada sistema de manejo, com um espaçamento de 10x20m, utilizando um amostrador de diâmetro de 0,05m e uma profundidade de 0,1m. O levantamento do número de sementes e da emergência das plântulas foi realizado no Laboratório Didático da Faculdade de Agronomia Eliseu Maciel (UFPel. Constatou-se que a colheita e a ressemeadura natural possibilitam a presença de sementes no solo por área, em quantidades superiores à indicada para a semeadura. Com a colheita, a área fica heterogênea em número de sementes no solo e em plântulas emergidas. A ressemeadura natural resulta em uma grande quantidade de sementes no solo e formação de plântulas.The black oat (Avena strigosa Schreb. seeds are able to remain alive in soil from a culture to another. The objective of this study was to evaluate the number of black oat seeds resulting from two management, harvesting, and natural reseeding, which could form the seed bank of soil. The experiments were conducted in Jari-RS, Brazil, the cultivation system is "No Tillage". Were collected 50 samples in each management, at a spacing of 10mx20m, using a sampler diameter of 0.05m and depth of 0.1m. The evaluation of the number of seeds and seedling emergence was accomplish at the Laboratory of Seeds Analysis of the Faculdade de Agronomia "Eliseu Maciel" (UFPEL. It was found that both as the crop as the natural seeding allow large quantities of seeds in the soil for the upper area suitable for planting. The harvest area is

The dynamics of business investment following banking crises and normal recessions

OpenAIRE

Jannsen, Nils

2015-01-01

I empirically analyze the dynamics of business investment following normal recessions (declines in business investment that are not associated with banking crises) and banking crises. Using a panel of 16 advanced economies, I find evidence for significant non-linear trend reversion or bounce-back effects on the level of business investment following normal recessions, i.e., the deeper the previous recession was, the higher the growth rate of business investment will be. The trend reversion ef...

Sistema de Reconocimiento de Caracteres Orientado a Sistemas Android

OpenAIRE

Segura Morales, Oriol; Universitat Autònoma de Barcelona. Escola d'Enginyeria

2014-01-01

Este proyecto trata sobre un sistema de reconocimiento de caracteres que se implementa para sistemas Android en forma de aplicación para móvil y Tablet. La aplicación está orientada para que los niños aprendan a escribir de una forma más amena. El sistema utiliza el patrón de diseño Modelo-Vista-Controlador para separar la lógica del sistema de la interfaz visual. En la interfaz, el sistema pide que se escriba un carácter utilizando la pantalla táctil y una vez el usuario lo ha escrito el sis...

Streamlining cross departmental interactions of back office processes in financial services

NARCIS (Netherlands)

Rutte, C.R.

2011-01-01

Due to the increased competitive environment in the retail banking industry, customer satisfaction and efficient back office processes have become more important. Lean Six Sigma (LSS) is a management style that is focused on improving processes and increasing customer satisfaction. Discrete-Event

Information and Communication Technologies Management and Nigerian Banking Sector Liquidity

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John N. N. Ugoani

2017-09-01

Full Text Available The study sought to explore the relationship between ICTs management and NBS liquidity. ICTs management helps the business to effect proper planning, coordinating, controlling and decision-making. Liquidity is important for banks to meet the demands of customers and a means of public confidence. The Internet connectivity in the NBS discouraged incentives for manipulations and other inefficiencies that characterized the paper and pen banking of the pre-reform era. The e-FASS approach and heavy investments and application of quality ICTs management by banks restored national and international confidence in the NBS which in a great measure, helped to lure back capital and liquidity into the system. Previous studies have found positive relationship between ICTs management and business productivity, bank profitability and economic growth. Through theoretical and empirical results this study found a high positive relationship between ICTs management and NBS liquidity.

Management control of credit risk in the bank lending process

NARCIS (Netherlands)

Scheffer, S.B.

2004-01-01

Management control of credit risk in the bank lending processA casestudy to explore improvements from a managerial perspectiveAt the start of this project -back in 1998- new technologies and ideas were emerging among a new generation of financial engineering professionals who have been applying

Bringing culture back in: A neo-Durkheimian perspective on central banking

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Carlo Tognato

2008-06-01

Full Text Available In the course of the past few decades, independent central banks have been regarded as one of the purest institutional distillates of modern rationality. Occasionally, however, and quite paradoxically, religious metaphors and narratives percolate into the monetary sphere and transform it. The purpose of this paper is to discuss whether a Durkheimian reading of monetary affairs is analytically suitable, to what extent it is so, and what implications it may have upon monetary studies.

Battery monitoring in Mexican hybrid power systems; Monitoreo de las baterias en sistemas de potencia hibridos Mexicanos

Energy Technology Data Exchange (ETDEWEB)

Flores, J. Roberto; Agredano, Jaime [Instituto de Investigaciones Electricas, Cuernavaca (Mexico)

1997-12-31

Hybrid power systems for an autonomous power supply are based on different renewable and fossil energy sources. They are considered as a good option for the power supply of remote areas. In these systems an energy storage is a vital necessity and very often this storage will consist of batteries which are generally connected in series and parallel arrays, or both. In Mexico as in other countries, the most extensively use batteries used for this application are the stationary and electric car type deep cycle batteries. However the experience with them in these systems is generally not very good. One way to overcome this problem is to maintain a regular monitoring of installing monitoring equipment, in order to make preventive actions before a developing fault can have serious consequences and in this manner increase the practical lifetime of the batteries. Unfortunately, battery monitoring is not easy task because most of the hybrid power systems are installed in remote areas which makes it difficult and expensive. In Mexico it has been not possible to maintain a regular monitoring of all hybrid power systems installed, due to the high cost of this work and the lack of founds. The hybrid power systems installed in the state of Quintana Roo are the only systems that have been continuously monitored since their installation. This paper gives an overview of the hybrid power systems installed in Mexico, focusing in the battery banks, the way they are being monitored, the main parameters used to detect possible premature problems and the method used to evaluate the battery bank conditions. Finally some results from the battery banks monitoring activities are presented. [Espanol] Los sistemas de potencia hibridos para un suministro autonomo de energia a regiones remotas, estan basados en diferentes fuentes de energia fosiles y renovables. Estos son considerados como una buena opcion para el suministro de energia a areas remotas. En estos sistemas es una necesidad vital el

Battery monitoring in Mexican hybrid power systems; Monitoreo de las baterias en sistemas de potencia hibridos Mexicanos

Energy Technology Data Exchange (ETDEWEB)

Flores, J Roberto; Agredano, Jaime [Instituto de Investigaciones Electricas, Cuernavaca (Mexico)

1998-12-31

Hybrid power systems for an autonomous power supply are based on different renewable and fossil energy sources. They are considered as a good option for the power supply of remote areas. In these systems an energy storage is a vital necessity and very often this storage will consist of batteries which are generally connected in series and parallel arrays, or both. In Mexico as in other countries, the most extensively use batteries used for this application are the stationary and electric car type deep cycle batteries. However the experience with them in these systems is generally not very good. One way to overcome this problem is to maintain a regular monitoring of installing monitoring equipment, in order to make preventive actions before a developing fault can have serious consequences and in this manner increase the practical lifetime of the batteries. Unfortunately, battery monitoring is not easy task because most of the hybrid power systems are installed in remote areas which makes it difficult and expensive. In Mexico it has been not possible to maintain a regular monitoring of all hybrid power systems installed, due to the high cost of this work and the lack of founds. The hybrid power systems installed in the state of Quintana Roo are the only systems that have been continuously monitored since their installation. This paper gives an overview of the hybrid power systems installed in Mexico, focusing in the battery banks, the way they are being monitored, the main parameters used to detect possible premature problems and the method used to evaluate the battery bank conditions. Finally some results from the battery banks monitoring activities are presented. [Espanol] Los sistemas de potencia hibridos para un suministro autonomo de energia a regiones remotas, estan basados en diferentes fuentes de energia fosiles y renovables. Estos son considerados como una buena opcion para el suministro de energia a areas remotas. En estos sistemas es una necesidad vital el

IMRT sequencing for a six-bank multi-leaf system

International Nuclear Information System (INIS)

Topolnjak, R; Heide, U A van der; Lagendijk, J J W

2005-01-01

In this study, we present a sequencer for delivering step-and-shoot IMRT using a six-bank multi-leaf system. Such a system was proposed earlier and combines a high-resolution field-shaping ability with a large field size. It consists of three layers of two opposing leaf banks with 1 cm leaves. The layers are rotated relative to each other at 60 0 . A low-resolution mode of sequencing is achieved by using one layer of leaves as primary MLC, while the other two are used to improve back-up collimation. For high-resolution sequencing, an algorithm is presented that creates segments shaped by all six banks. Compared to a hypothetical mini-MLC with 0.4 cm leaves, a similar performance can be achieved, but a trade-off has to be made between accuracy and the number of segments

Comparative analysis of decentralised and centralised operating model in retail banking global transactional services

OpenAIRE

2014-01-01

M.Com. (Business Management) The Global Transactions Services (GTS) business unit was established alongside the Rand Merchant Bank (RMB) brand reporting into a Corporate and Investment Banking Board. GTS has been mandated to deliver global cash management, trade and custody services and account services to large corporates in the jurisdictions where FirstRand operates. Technology advances in centralising operating structures, have made it possible for GTS to centralise back office operatio...

Psiconeuroinmunología: Conexiones entre sistema nervioso y sistema inmune

Directory of Open Access Journals (Sweden)

García López, Luis Joaquín

2008-09-01

Full Text Available La psiconeuroinmunología es una nueva parcela de la ciencia que apenas lleva tres décadas, pero que en los últimos años ha sido objeto de una enorme atención por diversos grupos de investigación. El articulo pretende exponer brevemente cómo están organizados los sistemas inmune y neuroendocrino, para después presentar los hallazgos que hasta el momento intentan dar explicación de las relaciones entre ambos con el sistema nervioso, así como las influencias de unos sobre otros, más concretamente expresar la relación entre los tres sistemas responsables de la defensa del organismo y, más ampliamente, de su mantenimiento homeostático. Cuando se trata de amenazas, el sistema nervioso central tiene que decidir qué sistema se pone en marcha, el sistema de estrés como energía para el ataque o la huida (un animal que nos quiere atacar, el sistema inmune para neutralizar el antígeno (un virus que nos quiere atacar o ambos (la energía es necesaria también para el sistema inmune. Como parece ser que en muchas ocasiones la depresión aparece tras los esfuerzos infructuosos de puesta en marcha de estrategias de afrontamiento, también hemos repasado sucintamente algunas investigaciones que relacionan al sistema inmune con la depresión, así como con los trastornos del sueño. Se finaliza con las aportaciones que la psicología puede ofrecer a nivel terapéutico.

Marketing channels of banking products and services in contemporary business environment

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Rakita Aleksandra

2016-01-01

Full Text Available Marketing application in banking is dating back to the 50s of 20th century, and since then its role is constantly changing. His modern role of synthesis of analysis, planning and control of the bank in the financial markets, achieved by the use of instruments of marketing mix (product, price, distribution and promotion. The paper is an analysis of the distribution function, and is primarily an overview of the modern distribution channels of banking products and services in the US, as the most developed markets and global trends carrier. In the paper is drafted the comparison of traditional and alternative distribution channels, in order to compare their advantages and disadvantages with the aim to find the optimum balance between them with the purpose to, on the one hand, meet customer needs, and on the other increase the efficiency of banking operations and lowered costs.

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

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Miranda Petronella VLAD

2012-11-01

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

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

OpenAIRE

IMOLA DRIGĂ

2014-01-01

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

12 CFR 619.9140 - Farm Credit bank(s).

Science.gov (United States)

2010-01-01

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

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

IMOLA DRIGĂ

2014-12-01

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

Banking system trust, bank trust, and bank loyalty

NARCIS (Netherlands)

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

2017-01-01

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

Relationship Banking in Labor Bank

OpenAIRE

三村, 聡

2012-01-01

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

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

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Tetiana Vasilyeva

2016-10-01

Full Text Available Intensification of financial development during last decade causes transformation of banking sector functioning. In particular, among the most significant changes over this period should be noted the next ones: convergence of financial market segments and appearance of cross-sector financial products, an increase of prevailing of financial sector in comparison with real economy and level of their interdependent, an intensification of crisis processes in financial and especially banking sector and a significant increase of the scale of the crisis consequences etc. thus, in such vulnerable conditions it is become very urgent to identify the relevant factors that can influence on the stability of banking sector, because its maintenance seems to be one of the most important preconditions of the stability of the national economy as a whole. Purpose of the article is to analyze key performance indicators of the Ukrainian banking system, clarify its main problems, identify relevant factors of the stability of the Ukrainian banking system and the character of their influence on the dependent variable. Realization of the mentioned above tasks was ensured by regression analysis (OLS regression. Analysis of key indicators that characterize current situation in the Ukrainian banking system found out the existence of numerous endogenous and exogenous problems, which, in turn, cause worsening most of analyzed indicators during 2013-2015. Unfavorable situation in Ukrainian banking system determined the necessity of identification of relevant factors of banking system stability to avoid transmission of financial shocks. According to the results of regression analysis on the stability of banking sector positively influence such factors as increase of interest margin to gross income ratio, reserves to assets ratio, number of branches, ratio of non-performing loans to total loans. Meanwhile, negative impact on stability of banking system has an increase of liquid

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

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Murti Lestari

2010-05-01

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

Features and problems in the construction of the postunitary Italian banking system = Características y problemas en la construcción del sistema bancario postunitario italiano

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Stefano Palermo

2016-12-01

1860s and the beginning of the 1870s between the Centre-North of Italy, Germany and Austria and then pouring into the activities of the Banca Tiberina, based in Rome and one of the main protagonists of the growing phenomenon joining banks and companies during that time. Therefore, this work of mine does not only focus on the descending parable the Banca Tiberina experienced (something well known in economic historiography, especially when examining the end of the century crisis but rather more on the whole three previous decades, from the beginning to the expansion phase. Therefore, a composite framework emerges, striving to keep the features of the political, social and economic features of Italy with those events being only apparently local and between these and the evolution of the banking system after the Italian Unification. El estudio de la evolución de la economía italiana experimentó, en los últimos años, nuevas hipótesis interpretativas basadas en el uso de series de datos históricos más actualizadas. Estos han llevado a los investigadores a reconsiderar, especialmente teniendo en cuenta un punto de vista a largo plazo, el camino seguido en Italia al unirse al sistema económico mundial. Por eso, la historiografía italiana e internacional se ha esforzado en resaltar los elementos más favorables, así como los límites y las contradicciones que acompañan al robusto crecimiento que Italia experimentó durante los últimos 150 años. Todo esto comenzó para Italia, bien avanzado 1800, al asumir los mecanismos productivos de la segunda revolución industrial, ya evolucionados durante la Golden Age. Para entender completamente este camino es necesario integrar, siguiendo un enfoque comparativo, sistémico e interdisciplinario, el análisis del comportamiento de algunos sectores industriales específicos con los llamados prerrequisitos del sistema para el desarrollo incluyendo, y en una posición importante, la construcción del mercado financiero y la

I certificati di deposito nel sistema bancario degli Stati Uniti: esperienze e prospettive. (The CD in American banking: a retrospect and prospect

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M. HETH

2014-08-01

Full Text Available The negotiable time certificate of deposit (CD has played an important role in the competitive struggle of commercial banks in the US since 1961, enabling them to tap sources of funds they had neglected since the banking reforms of the 1930s. The aggressive employment of the CD has already brought about various changes in banking practices, and may lead to further modifications in the functions performed by commercial banks and in the banking structure. The present article is devoted to the CD phenomenon as it affects the role of commercial banks as financial intermediaries and the structure of the banking industry. The effects of interest rate regulation on the development of the CD as a potential source of funds is also considered. The author concludes that the emergence of the CD, while overcoming some of the barriers to effective competition in the financial markets, has highlighted the continued existence of others.JEL: G21, G23

BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

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Yuliya Onyshchenko

2015-11-01

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

RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

OpenAIRE

PAKSOY, H. Mustafa; ABAROSS, Nour

2015-01-01

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

The Study of Clients’ Buying And Consumption Behavior Of Financial-Banking Products And Services

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Mitran Paula Cornelia

2009-06-01

Full Text Available The purpose of every economic activity in general and the financial one in particular is thesatisfaction of clients’ necessities. The specificity of clients’ consumption behavior in the financial – bankingrealm, impose the understanding of the necessities and their occasional process to the banking system. Theclient’s behavior analysis, as an obvious barometer of a bank evolution is the most important component of amarketing research. The relationship between the client, as a natural person or a juridical person and bank, isvery important and requires to be supported in order to assure clients’ loyalty and to develop long termrelations with them. Therefore, banks should give advice to their clients concerning their finance organizationor concerning the preparation of their business plans, fact which is able to reinforce the professional image ofthe bank. This aspect must be completed by the presence of some communication specialists who will assurethe information transfer, creating a feed-back between the employees and the clients.

Is shadow banking really banking?

OpenAIRE

Bryan J. Noeth; Rajdeep Sengupta

2011-01-01

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

International financial crisis and bank statization in Germany Crise financeira internacional e estatização bancária na Alemanha

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Roberto Chacon de Albuquerque

2010-12-01

Full Text Available Facing an international financial crisis that could lead its own financial system to the brink of collapse, the German government needed to show political will in order to save financial institutions in risky situations. This article analyzes the legal strategies used to rescue the financial system, including the statization of banking institutions as an ultima ratio. Prior to the bank statization established by the Rescue Takeover Act, the Financial Market Stabilization Act foresaw an increase in the capital of financial institutions by means of state control without statization. This last act, nonetheless, has not been considered enough to avoid the collapse of a banking institution that is relevant for the whole financial system such as Hypo Real Estate (HRE.Enfrentando uma crise financeira internacional que pode levar ao colapso de seu próprio sistema financeiro, o governo alemão precisou demonstrar vontade política para salvar instituições financeiras em situação de risco. Este artigo analisa as estratégias legais utilizadas no resgate do sistema financeiro, incluindo a estatização de instituições bancárias como ultima ratio. Antes da lei de estatização bancária, da Lei de Resgate de Empresas para a Estabilização do Mercado Financeiro, a Lei de Estabilização do Mercado Financeiro previa um aumento do capital das instituições financeiras com controle estatal sem estatização. Esta lei, no entanto, não foi considerada suficiente para evitar o colapso de uma instituição bancária relevante para todo o sistema financeiro como o Hypo Real Estate (HRE.

BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

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Rahmatina A. Kasri

2017-08-01

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

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…

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

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Anthony Lukmawijaya

2015-05-01

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

Denying Foreign Bank Entry: Implications For Bank Interest Margins

OpenAIRE

Ross Levine

2003-01-01

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

E-BANKING- MODERN BANKING SERVICES

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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

en tres sistemas agroforestales

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Javier Monge Meza

2006-01-01

Full Text Available Se estudió el desarrollo inicial (30 meses del duraznillo (Prunus annularis en tres sistemas agroforestales: duraznillo-maíz (Zea mays, duraznillomenta (Satureja viminea y duraznillo-naranjilla (Solanum quitoense, en un sitio en la zona de vida Bosque muy húmedo Montano Bajo, en Costa Rica. Se utilizaron cuatro parcelas de cada sistema agroforestal, con una densidad de 722 árboles/ ha, y un sistema de siembra de árboles en forma de triángulo equilátero, entre los que se intercaló el componente agrícola respectivo de cada sistema agroforestal. La altura media alcanzada por los árboles de duraznillo fue de 226,2, 221,4 y 164,3 cm, para el sistema agroforestal duraznillo-maíz, duraznillo- menta y duraznillo-naranjilla, respectivamente. En cuanto a los volúmenes, éstos variaron entre 0,58 y 1,30 m3/ha. Hubo una diferencia significativa en altura media entre el sistema agroforestal duraznillo-maíz y duraznillo-menta con respecto al de duraznillo-naranjilla. No hubo diferencias con respecto al volumen entre los sistemas de producción

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

African Journals Online (AJOL)

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

Impact of E-Banking on Traditional Banking Services

OpenAIRE

Vyas, Shilpan Dineshkumar

2012-01-01

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

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

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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.

I massimali di crescita: effetti territoriali e sulla struttura del sistema bancario. (Growth limits on bank assets: regional effects and the structure of the banking system.

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A. NICCOLI

2013-12-01

Full Text Available Negli ultimi anni , la politica monetaria italiana è stata basata sempre più sui controlli amministrativi . Tra le tesi , i più significativi sono i limiti della crescita e vincoli della composizione del portafoglio. Questo articolo ha esaminato l' effetto dei limiti di crescita , ossia il loro effetto , da un punto di vista geografico della struttura e sul sul bancario italiano .In recent years, Italian monetary policy has become increasingly based on administrative controls. Among theses, the most important are the limits of growth and constraints of the portfolio composition. The former impose a maximum growth rate of total loans in lire on banks, while the latter obliges them to invest a given amount of the increases in deposits in securities with specific characteristics. The present article examines a side effect of growth limits, namely their effect from a geographical point of view and on the structure of the Italian banking system. In particular, the author shows that the occurrence of growth ceilings for a given bank is greater the more rapid the increase in its deposits and the smaller the geographical area in which it operates. JEL: E51, E52, G21

Employee Motivation, Recruitment Practices and Banks Performance in Nigeria

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Adeola Mukarramah Modupe

2016-12-01

Full Text Available Many organisations recognizes the use of human resource as a major influence to their success. And with today’s competitive environment, it is imperative for organisations to find ways to be more effective and efficient in utilizing their resources so as to improve their general performance. Hence, there is need to recruit and retain highly qualified and motivated employees in order to remain competitive in the unstable environment. This study evaluates the relationship between recruitment practices, employee motivation and their impact on organisational performance focusing on the Nigerian banking industry, with a view to investigating factors that motivate employees of Nigerian banks and the methods banks adopt to motivate their employees. The study also assesses recruitment and selection methods used by Nigerian banks to select effective employees. The study is a cross-sectional in time and the primary data collected from a conveniently selected sample of 60 employees each of the seven selected banks. Face-to-face survey and interview was carried out in order to achieve the research objectives and back up theoretical findings. Using correlation and thematic analysis, the results indicated that there was a strong positive relationship between employee motivation, recruitment practices and organisational performance. Findings from the analysis identified that bank employees are mostly extrinsically motivated; although intrinsic factors also motivate them, it is not as motivating as extrinsic factors. The banks also provide more of extrinsic motivators to increase the performance of their employees. The banks make use of various methods of employee selection, by dividing the methods into stages. In addition, recruiting is mostly undertaken through recruitment agencies or advert placements. The study provides future recommendations that banks in Nigeria should be firmer in their selection processes; this will allow them to identify unsuitable

Shadow Banking – Developments in Times of Financial Crisis

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Bogdan Munteanu

2016-01-01

The paper considers the following entities and activities, without limitation to or completenessof viewpoints: finance companies, asset backed financial instruments, structured investments,financing vehicles, money market funds, asset managers, credit hedge funds and venture capital,providing characteristics of shadow banking and their economic functions relative to the classicbanking system, as they pose a systemic risk due to asymmetric information and gaps created inmatching liquidity tenures with duration, by using synthetic leverage finance.

Role of Foreign Banks in Integration of Banking Industry

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Roman Šubić

2009-12-01

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

Análise de viabilidade econômica de três sistemas produtivos de carvão vegetal por diferentes métodos

Directory of Open Access Journals (Sweden)

Diogo Aparecido Lopes Silva

2014-02-01

Full Text Available Este trabalho apresenta um estudo de caso que objetiva avaliar economicamente três sistemas produtivos de carvão vegetal: fornos tradicionais tipo rabo quente, fornos retangulares em alvenaria e fornos cilíndricos metálicos. A empresa estudada já opera utilizando fornos rabo quente e deseja analisar se é mais viável manter seu sistema atual, ou se é melhor optar por um dos dois sistemas alternativos. Para avaliação econômica, utilizaram-se os métodos Valor Presente Líquido (VPL, Valor Anual Uniforme Equivalente (VAUE, Taxa Interna de Retorno (TIR, Taxa de Retorno Incremental (TRI, Benefício/Custo (B/C e Pay Back. Verificou-se que o sistema produtivo mais viável foi o de fornos cilíndricos metálicos. Esse sistema produtivo, apesar do alto custo com eletricidade e investimento inicial, apresentou redução de custos operacionais devido ao aumento no rendimento do processo de carbonização.

Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

OpenAIRE

Nuryati; Gendis Gumilar, Amethysa

2011-01-01

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

The interrupted power law and the size of shadow banking.

Science.gov (United States)

Fiaschi, Davide; Kondor, Imre; Marsili, Matteo; Volpati, Valerio

2014-01-01

Using public data (Forbes Global 2000) we show that the asset sizes for the largest global firms follow a Pareto distribution in an intermediate range, that is "interrupted" by a sharp cut-off in its upper tail, where it is totally dominated by financial firms. This flattening of the distribution contrasts with a large body of empirical literature which finds a Pareto distribution for firm sizes both across countries and over time. Pareto distributions are generally traced back to a mechanism of proportional random growth, based on a regime of constant returns to scale. This makes our findings of an "interrupted" Pareto distribution all the more puzzling, because we provide evidence that financial firms in our sample should operate in such a regime. We claim that the missing mass from the upper tail of the asset size distribution is a consequence of shadow banking activity and that it provides an (upper) estimate of the size of the shadow banking system. This estimate-which we propose as a shadow banking index-compares well with estimates of the Financial Stability Board until 2009, but it shows a sharper rise in shadow banking activity after 2010. Finally, we propose a proportional random growth model that reproduces the observed distribution, thereby providing a quantitative estimate of the intensity of shadow banking activity.

sistemas

Directory of Open Access Journals (Sweden)

Diego Alejandro Muñoz Gaviria

2006-01-01

Full Text Available El texto presentado a continuación, plantea en términos generales las principales posturas conceptuales del sociólogo alemán Niklas Luhmann sobre las ideas de Max Weber y su teoría de la acción social, y de Talcott Parsons y sus planteamientos en torno a la teoría de los sistemas sociales. Al final del escrito se hace especial énfasis en el rol protagónico que para Luhmann tienen las ciencias sociales y humanas en la autorreferencia del sistema social.

Is banking supervision central to central banking?

OpenAIRE

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

1997-01-01

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

Sistema de seguridad en redes locales utilizando sistemas multiagentes distribuidos. Net-Mass

Directory of Open Access Journals (Sweden)

Daniel Horfan Álvarez

2005-01-01

Full Text Available La seguridad en las redes de datos es uno de los elementos neurálgicos dentro de una organización, ya que requiere de diferentes estrategias de protección para salvaguardar puntos vulnerables, y de la coordinación y distribución de esfuerzos para cercar todas las posibles formas de ataques informáticos. En este artículo se propone un sistema multiagente distribuido como herramienta de protección para redes con diferentes sistemas operativos y susceptibilidad de diversos ataques.El sistema propuesto está conformado por un grupo de agentes autónomos heterogéneos con características particulares en cuanto a sus estrategias de detección de intrusos y protección de los sistemas primordiales de la red, se tiene planeado que estos agentes basen sus decisiones en la aplicación de diferentes técnicas de inteligencia artificial como heurística de sistemas expertos, algoritmos evolutivos y redes neuronales.

Appraisal of the Impact of e-Banking and Cashless Society in the Nigerian Economy

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Umanhonlen O. Felix

2015-09-01

Full Text Available The article appraises the impact of e-banking and cashless society in the Nigerian economy. The study explores various aspects of e-banking and cashless economy using the banking sector of the Nigerian economy as a focal point. Specifically, the paper articulates empirical opinions that highlight the possible ways these policy measures have direct links to beneficiaries and the weighted outcomes when divergence is noticed and how to bring back the soundness, sustainable and rebranding policy that ensures economic growth. The paper holds that for a sustainable cashless society to emerge all hands must be on desk; banks should de-emphasize all odds and ensure that efficiencies of e-banking mechanisms are of utmost priority. It, therefore, recommends that adequate plans be in place to sensitize the general public about the effects and lay down procedures to check possible drawbacks. It, however, concludes by imploring all avenues and reports that relevant agency, service providers, operators, and those who have direct access to information to advocate as timely as when necessary about the implicit needs and benefits behind the cashless economy.

Fatores influentes e tipos de uso emergentes da construção social de sistemas de informação no setor bancário

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Elaine Tavares

2012-09-01

Full Text Available Este artigo apresenta os resultados de uma pesquisa realizada com o objetivo de entender em que condições se dá a construção social de sistemas de informação (SI no setor bancário no Brasil. Foi realizada uma análise da implantação, do uso e dos processos de aprimoramento de três sistemas, usados em duas instituições bancárias. Parte-se da premissa de que a tecnologia da informação (TI é um fenômeno socialmente construído, com uma estrutura de uso formada na prática. A coleta de dados envolveu observação direta, análise documental e 46 entrevistas. Revelou-se um processo de construção social que gerou quatro tipos de uso dos SI. A assimilação dos sistemas foi influenciada pela confluência de objetivos individuais e organizacionais e pelo tipo de treinamento aplicado. As atualizações e revisões dos sistemas parecem seguir estruturas de conformismo com o que foi instituído pela organização e de conformidade com processos de solicitações de aprimoramentos. ----- Influence Factors and Emergent Types of Use from Social Construction of Information Systems in the Banking Sector ----- ABSTRACT ----- This article presents the results of research into an understanding of the conditions in which the social construction of information systems in the Brazilian banking sector is developed. It analyses the implementation, use and enhancement process of three information systems at two banks in Brazil. The research was based on the assumption that information technology is a social construction phenomenon, with a structure of use created in practice. Data were collected through observation, analysis of documents and 46 interviews. A process of social construction was found that produced four types of use of information systems. The system adoption was influenced by the confluence of individual and organizational objectives and by the type of training applied. System updates and reviews seem to follow structures of conformism

Evolução do banco de sementes de arroz vermelho em diferentes sistemas de utilização do solo de várzeas Red rice seed bank evolution under different systems of lowland utilization

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Luis A. de Avila

2000-08-01

Full Text Available Num ecossistema agrícola, a redução do banco de sementes é um dos aspectos mais importantes no manejo de plantas daninhas; e em solos de várzeas, o arroz vermelho (Oryza sativa L. é atualmente considerado a principal planta daninha. Nesse sentido, conduziu-se um experimento com o objetivo de avaliar a evolução do banco de sementes de arroz vermelho no solo em diferentes sistemas de semeadura de arroz irrigado e em alternativas de manejo do solo de várzea. O experimento foi instalado em campo por dois anos consecutivos na mesma área (safras agrícolas 1996/97 e 1997/98 em Santa Maria, RS, em solo classificado como Planossolo, com infestação média de 516 sementes viáveis de arroz vermelho/m². A estimativa do banco de sementes de arroz vermelho foi realizada através de 10 coletas de solo, utilizando um cilindro com 0,10m de diâmetro a 0,10m de profundidade. Após a coleta, os grãos foram separados do solo e realizado teste de tetrazólio para determinar a quantidade de sementes viáveis na amostra. As coletas foram realizadas antes da instalação do experimento (set/1996, após a colheita do primeiro ano (mai/1997 e após a colheita do segundo ano (mai/1998. Os resultados mostraram que o cultivo do arroz no sistema convencional promove aumento no banco de sementes de arroz vermelho, enquanto que a semeadura de arroz em solo inundado (mix de pré-germinado, prégerminado ou transplante de mudas é tão eficiente na redução do banco de sementes de arroz vermelho quanto a rotação com o sorgo, o pousio do solo sem a presença de animais e também o preparo de verão.In an agricultural ecosystem, the redution of weed seed bank is of utmost importance. In lowland areas, red rice (Oryza sativa is the most important weed. Therefore, an experiment was conducted to evaluate the evolution of the red rice seed bank under different seeding systems and alternatives of soil management. The experiment was conducted during two years (1996

Solar heating system at Quitman County Bank, Marks, Mississippi. Final report

Energy Technology Data Exchange (ETDEWEB)

None

1980-06-01

Information is provided on the solar heating system installed in a single story wood frame, cedar exterior, sloped roof building, the Quitman County Bank, a branch of the First National Bank of Clarksdale, Mississippi. It is the first solar system in the geographical area and has promoted much interest. The system has on-site temperature and power measurements readouts. The 468 square feet of Solaron air flat plate collectors provide for 2000 square feet of space heating, an estimated 60% of the heating load. Solar heated air is distributed to the 235 cubic foot rock storage box or to the load (space heating) by a 960 cubic feet per minute air handler unit. A 7.5 ton Carrier air-to-air heat pump with 15 kilowatts of electric booster strips serve as a back-up (auxiliary) to the solar system. Motorized dampers control the direction of airflow and back draft dampers prevent thermal siphoning of conditioned air. The system was turned on in September 1979, and acceptance testing completed in February 1980. This is a Pon Cycle 3 Project with the Government sharing $13,445.00 of the $24,921 Solar Energy System installation cost.

Regional Banks in the Russian Banking System

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Mikhail Vitalyevich Leonov

2015-06-01

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

Mobile banking: New trend in the contemporary banking sector

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Sanader Dušica

2014-01-01

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

The organisation and role of the Euro skin bank

International Nuclear Information System (INIS)

Van Baare, J.

1999-01-01

In the treatment of burns, either superficial or deep, partial or full thickness, where sufficient autograft is lacking, wound covering by fresh or stored allogencic human skin is currently preferred over the use of (bio-) synthetic dressings by most physicians involved in burn care. Several methods to preserve, store and provide sufficient quantities of allograft (homo- or xeno-) at any given time have been developed over the last decades and have been extensively documented. Skin banks differ in their mode of operation (local, regional, national and international) and the techniques applied for preservation and storage of human skin. The Dutch National Skin Bank was established in 1976 as a subsidiary to the Dutch Bums Foundation with no other goal than providing human allograft skin for the treatment of bum victims to the Red Cross Hospital Bum Unit and later to other Dutch bum centres and general hospitals. The initial preservation technique the skin bank used was cryopreservation. In 1984 there was an important change in the preservation technique. Based on literature high concentrations of glycerol were introduced to preserve human skin for long-term storage. Meanwhile, a gradual increase in the yearly number of skin donors from 1984 onwards was observed, and by 1989 regular requests from bum centres in other countries for glycerol preserved donor skin were received. In 1992 the skin bank changed their name into Euro Skin Bank to express their international collaboration. The Euro Skin Bank operates on a non-profit basis and was until recently dependent on financial support of the Dutch Bums Foundation. Due to the large amount of requests for donor skin, the Euro Skin Bank started to set up satellite skin banks in various European countries. With this initiative it was not only possible to help the specific countries to supply their own bum centres with allograft skin, but also an amount of skin was send back to the Euro Skin Bank in order to distribute the

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.

Bank storage buffers rivers from saline regional groundwater: an example from the Avon River Australia

Science.gov (United States)

Gilfedder, Benjamin; Hofmann, Harald; Cartwrighta, Ian

2014-05-01

Groundwater-surface water interactions are often conceptually and numerically modeled as a two component system: a groundwater system connected to a stream, river or lake. However, transient storage zones such as hyporheic exchange, bank storage, parafluvial flow and flood plain storage complicate the two component model by delaying the release of flood water from the catchment. Bank storage occurs when high river levels associated with flood water reverses the hydraulic gradient between surface water and groundwater. River water flows into the riparian zone, where it is stored until the flood water recede. The water held in the banks then drains back into the river over time scales ranging from days to months as the hydraulic gradient returns to pre-flood levels. If the frequency and amplitude of flood events is high enough, water held in bank storage can potentially perpetually remain between the regional groundwater system and the river. In this work we focus on the role of bank storage in buffering river salinity levels against saline regional groundwater on lowland sections of the Avon River, Victoria, Australia. We hypothesize that the frequency and magnitude of floods will strongly influence the salinity of the stream water as banks fill and drain. A bore transect (5 bores) was installed perpendicular to the river and were instrumented with head and electrical conductivity loggers measuring for two years. We also installed a continuous 222Rn system in one bore. This data was augmented with long-term monthly EC from the river. During high rainfall events very fresh flood waters from the headwaters infiltrated into the gravel river banks leading to a dilution in EC and 222Rn in the bores. Following the events the fresh water drained back into the river as head gradients reversed. However the bank water salinities remained ~10x lower than regional groundwater levels during most of the time series, and only slightly above river water. During 2012 SE Australia

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

OpenAIRE

Angel, Christania Graciella

2014-01-01

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

Bulgarian banking: looking for sustainability

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Garabed Minassian

2013-10-01

Full Text Available In this work, we trace and analyze the emergence of the crisis in the Bulgarian banking system as well as the behavior of the central bank and other macroeconomic institutions. The average annual rate of growth in the net profits of the commercial banks for the period 2002-2008 amounted to 31.6%, which encouraged and accounted for the increase in credits. After 2008, the pendulum began to swing back as the difficulties in collecting loan repayments increased, the strain in financial balances tightened and assistance and support from the regulators were requested. The level of the financial and operating income was maintained primarily because of the high interest rates on the loans, but the structure of their distribution shifted substantially. Administrative costs and depreciation were nearly frozen up, and impairment and provisions grew at the expense of profit. This work shows that macroeconomic policies allowed the expansion of the lending boom and encouraged its irrational development. Poor operation and poor quality of the institutions not only allowed but also enabled direction of investments to financing of inefficient production structures. Underestimating the negative consequences shoring up a dysfunctional institutional environment is deemed a form of irrationality; however, not one of the immediate economic players acted to override the economic and political environment. The financial and economic crisis currently affecting the country has its roots in the deficiencies of the domestic macroeconomic policies, and therefore, the efforts toward overcoming these failures should be directed at improved domestic macroeconomic management.

CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

OpenAIRE

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

2017-01-01

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

Operations Management And Leadership; A Case-Study Of Implementation of Centralized Back Office Activities

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Camelia Cojocaru

2013-05-01

Full Text Available The concept of leadership is extremely complex and very often, there is a confusion between leadership and management. Although people are using these words interchangeably, they play very different, but still essential, roles. This paper aims to present a case study regarding an implementation project in banking back-office activities, in order to prove the importance of managing correct the back-office resources, but in the same time the need for a vision that would lead the people toward the scope of a project. The paper describes the existence of a relationship between leadership and operational excellence, also.

Electronic Banking And Bank Performance In Nigeria

African Journals Online (AJOL)

2013-03-01

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

Residence times and mixing of water in river banks: implications for recharge and groundwater-surface water exchange

Science.gov (United States)

Unland, N. P.; Cartwright, I.; Cendón, D. I.; Chisari, R.

2014-12-01

Bank exchange processes within 50 m of the Tambo River, southeast Australia, have been investigated through the combined use of 3H and 14C. Groundwater residence times increase towards the Tambo River, which suggests the absence of significant bank storage. Major ion concentrations and δ2H and δ18O values of bank water also indicate that bank infiltration does not significantly impact groundwater chemistry under baseflow and post-flood conditions, suggesting that the gaining nature of the river may be driving the return of bank storage water back into the Tambo River within days of peak flood conditions. The covariance between 3H and 14C indicates the leakage and mixing between old (~17 200 years) groundwater from a semi-confined aquifer and younger groundwater (bank infiltration. Furthermore, the more saline deeper groundwater likely controls the geochemistry of water in the river bank, minimising the chemical impact that bank infiltration has in this setting. These processes, coupled with the strongly gaining nature of the Tambo River are likely to be the factors reducing the chemical impact of bank storage in this setting. This study illustrates the complex nature of river groundwater interactions and the potential downfall in assuming simple or idealised conditions when conducting hydrogeological studies.

Preços-sombra no sistema de pagamentos: uma abordagem dual para a política monetária intradiária

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Rodrigo Andrés de Souza Peñaloza

2005-12-01

Full Text Available O funcionamento do sistema de liqüidação pelo valor bruto em tempo real é modelado como uma otimização na qual enfileiramento e fracionamento de pagamentos e acordos de recompra surgem como soluções primais. O problema dual associado à maximização do fluxo de pagamentos é então usado para a determinação dos preços-sombra dos bancos no sistema de pagamentos. Esses preços-sombra podem ser usados para a personalização das políticas monetárias intradiárias tais como requerimentos de reserva inicial, acordos de recompra, extensão bilateral de crédito no mercado interbancário intradiário, etc. de modo a tornar eficiente o uso da liqüidez sistêmica.We model the functioning of real-time gross settlement systems for large-value transfers as a linear programming problem in which queueing arrangements, splitting of payments, and Lombard loans arise as primal solutions. Then we use the dual programming problem associated with the maximization of the total flow of payments in order to determine the shadow-prices of banks in the payment system. We use these shadow-prices to set personalized intraday monetary policies such as reserve requirements, availability of Central Bank credit to temporarilly illiquid banks, extension of intraday interbank credit exposures, etc., so as to make the use of systemic liquidity more efficient.

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

Science.gov (United States)

2010-04-21

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

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

African Journals Online (AJOL)

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

Crustal characteristic variation in the central Yamato Basin, Japan Sea back-arc basin, deduced from seismic survey results

Science.gov (United States)

Sato, Takeshi; No, Tetsuo; Miura, Seiichi; Kodaira, Shuichi

2018-02-01

The crustal structure of the Yamato Bank, the central Yamato Basin, and the continental shelf in the southern Japan Sea back-arc basin is obtained based on a seismic survey using ocean bottom seismographs and seismic shot to elucidate the back-arc basin formation processes. The central Yamato Basin can be divided into three domains based on the crustal structure: the deep basin, the seamount, and the transition domains. In the deep basin domain, the crust without the sedimentary layer is about 12-13 km thick. Very few units have P-wave velocity of 5.4-6.0 km/s, which corresponds to the continental upper crust. In the seamount and transition domains, the crust without the sedimentary layer is about 12-16 km thick. The P-wave velocities of the upper and lower crusts differs among the deep basin, the seamount, and the transition domains. These results indicate that the central Yamato Basin displays crustal variability in different domains. The crust of the deep basin domain is oceanic in nature and suggests advanced back-arc basin development. The seamount domain might have been affected by volcanic activity after basin opening. In the transition domain, the crust comprises mixed characters of continental and oceanic crust. This crustal variation might represent the influence of different processes in the central Yamato Basin, suggesting that crustal development was influenced not only by back-arc opening processes but also by later volcanic activity. In the Yamato Bank and continental shelf, the upper crust has thickness of about 17-18 km and P-wave velocities of 3.3-4.1 to 6.6 km/s. The Yamato Bank and the continental shelf suggest a continental crustal character.

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

Science.gov (United States)

2010-01-01

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

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

Science.gov (United States)

2010-08-13

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

PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

OpenAIRE

IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

2009-01-01

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

Banking contracts

OpenAIRE

Durčáková, Klára

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2016-08-01

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

CSR practices of Palestinian Islamic banks: contribution to socio-economic development

Directory of Open Access Journals (Sweden)

Abdalrahman Mohamed Migdad

2017-07-01

Full Text Available Purpose - Corporate social responsibility (CSR is an important corporate activity that affirms the importance of giving back to the community. This research aims to examine the CSR practices of Palestinian Islamic banks and their contribution to socio-economic development. There is an ongoing debate regarding Islamic financial institutions’ profit motive versus their motivation to achieve human welfare. The Palestinian Islamic banks are not disconnected from this debate, and this paper aims to discuss this issue. Design/methodology/approach - For the purpose of assessing the CSR practices of Palestinian Islamic banks, a secondary analysis of the banks’ annual reports was carried out. In addition, 11 structured interviews were conducted with Islamic banks’ practitioners at the decision-making level and with some of the banks’ Sharīʿah board members to gather their views on CSR. These have been analyzed in light of the actual CSR practices disclosed in each bank’s annual reports. Findings - The main research findings suggest that the CSR practice is highly valued by the Palestinian Islamic banks, but it is small and has marginal effects on the community’s socio-economic development. Another important observation from report analysis is that Islamic banks have great potential for expansion, given that the demand for Islamic financial transactions is double of what Islamic banks currently offer. If Islamic banks live up to that opportunity, they could deliver more in CSR practices, which is their ultimate goal according to the majority of the interviewees. Originality/value - Existing literature has presented findings on the CSR of Palestinian corporations in general, but there is no available literature on the CSR practices of Palestinian Islamic banks. This research attempts to fill in the gap by presenting preliminary findings on Palestinian Islamic banks’ CSR practices.

Residence times and mixing of water in river banks: implications for recharge and groundwater - surface water exchange

Science.gov (United States)

Unland, N. P.; Cartwright, I.; Cendón, D. I.; Chisari, R.

2014-02-01

The residence time of groundwater within 50 m of the Tambo River, South East Australia, has been estimated through the combined use of 3H and 14C. Groundwater residence times increase towards the Tambo River which implies a gaining river system and not increasing bank storage with proximity to the Tambo River. Major ion concentrations and δ2H and δ18O values of bank water also indicate that bank infiltration does not significantly impact groundwater chemistry under baseflow and post-flood conditions, suggesting that the gaining nature of the river may be driving the return of bank storage water back into the Tambo River within days of peak flood conditions. The covariance between 3H and 14C indicates the leakage and mixing between old (~17 200 yr) groundwater from a semi-confined aquifer and younger groundwater (bank storage, as rapid pressure propagation into the semi-confined aquifer during flooding will minimise bank infiltration. This study illustrates the complex nature of river groundwater interactions and the potential downfall in assuming simple or idealised conditions when conducting hydrogeological studies.

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

Science.gov (United States)

2010-02-02

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

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

Science.gov (United States)

2010-01-25

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

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

Science.gov (United States)

2010-03-02

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

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

OpenAIRE

Thomas F. Cargill

2006-01-01

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

The CSR Orientation in the Romanian Banking Industry

Directory of Open Access Journals (Sweden)

Georgiana-Loredana Frecea

2016-01-01

Full Text Available The banking industry in Romania is currently aware of the CSR involvement consequences and its importance for the national development, as a way to give back the welfare to the community and to legitimate the financial market. This paper establishes the CSR major fields in the Romanian banking system, identifying the key-elements in the sustainable disclosure data. The main idea of this paper focus on the dominant CSR area in this sector, highlighting the People-oriented insight, as a significant measure of the public satisfaction. Building on the assumption that the employees are key actors in the CSR construction, the paper will outline the main features of the employee’s volunteering. The research outcomes suggest a correlation between the bank’s financial performance, the internationalization process and the CSR multiplication effects for the public perceptions, generating an emotional form of CSR, as a way to strengthen the bank’s reputational value.

Sistemas roboticos teleoperados

Directory of Open Access Journals (Sweden)

Alexander Ceron Correa

2005-01-01

Full Text Available En el presente artículo se realiza una revisión general sobre los sistemas robóticos teleoperados, su estructura, componentes principales, clasificación, tipos de sensores, sistemas de locomoción y aplicaciones; como ejemplo se mencionan algunos trabajos realizados Colombia y en el mundo

Credit risk assessment: Evidence from banking industry

Directory of Open Access Journals (Sweden)

Hassan Ghodrati

2014-08-01

Full Text Available Measuring different risk factors such as credit risk in banking industry has been an interesting area of studies. The artificial neural network is a nonparametric method developed to succeed for measuring credit risk and this method is applied to measure the credit risk. This research’s neural network follows back propagation paradigm, which enables it to use historical data for predicting future values with very good out of sample fitting. Macroeconomic variables including GDP, exchange rate, inflation rate, stock price index, and M2 are used to forecast credit risk for two Iranian banks; namely Saderat and Sarmayeh over the period 2007-2011. Research data are being tested for ADF and Causality Granger tests before entering the ANN to achieve the best lag structure for the research model. MSE and R values for the developed ANN in this research respectively are 86×〖10〗^(-4 and 0.9885, respectively. The results showed that ANN was able to predict banks’ credit risk with low error. Sensibility analyses which has accomplished on this research’s ANN corroborates that M2 has the highest effect on the ANN’s credit risk and should be considered as an additional leading indicator by Iran’s banking authorities. These matters confirm validation of macroeconomic notions in Iran’s credit systematic risk.

Islamic banking

OpenAIRE

Pak, Viktoriya

2010-01-01

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

MUSYARAKAH FINANCE PROSPECT IN ISLAMIC BANK IN THE FACE OF ASEAN ECONOMIC COMMUNITY (MEA

Directory of Open Access Journals (Sweden)

Ahmad Supriyadi

2016-11-01

Full Text Available In the era of Dutch colonial, the majority of entrepreneurs in Central Java and Yogyakarta come from the students. But after Indonesian independence, the students did not show up in the business world because of political policy. Nowadays the entrepreneur students bounced back with Islamic banks that one of its products is a Musharakah finance. Musharakah finance deal with the birth of the free market, namely the ASEAN Economic Community so that the question arises how the prospect Musharakah finance in Indonesian Islamic banks of facing the ASEAN Economic Community (AEC. This paper aims to describe the prospect of Musharakah finance to face AEC. The results showed that the Musharakah finance has a lot of prospects such as financing products that can be performed well and have a competitive value because it has a solid legal basis. From the network side, Islamic banks have been supported by a network offices that much better at home and abroad with excellent quality customer service. In addition, the presence Bank Indonesia blueprint of the Islamic banking institution can strengthen the Musharakah finance products so that can be applied in the ASEAN Economic Community (AEC.

Caught in the Headlights: Revising the Road Kill Hypothesis of Antebellum Illinois Bank Failures

Directory of Open Access Journals (Sweden)

Scott Clayman

2017-06-01

Full Text Available Illinois had a dismal free banking experience, with over 80% of its free banks failing by the start of the Civil War. Researchers agree that a dramatic change in bond prices was the catalyst, and some have shown that the riskiest banks, ex ante, were the most likely to fail. This study examines how Illinois free banks adjusted their portfolios in the face of increased political and financial risks prior to Abraham Lincoln’s election as president. Lincoln’s nomination in May 1860 and the Democratic Party schism in June 1860 raised the likelihood of secession and the potential for a significant decline in Southern bond prices. Given this heightened risk, did free bankers reduce their exposure to such a decline? In general, it appears that the free bankers took risks commensurate with expected returns and the uncertain political climate, purchased the most readily available bonds, and had sufficient backing to withstand a moderate decline in Southern bond prices. The dramatic price decline soon after the election appears to have caught many banks by surprise, like a deer caught in the headlights.

Financing of LNG projects in developing countries and the role of the World Bank

International Nuclear Information System (INIS)

Levitsky, M.; Nore, P.

1992-01-01

The future quantities of capital required by the LNG industry will be very large. However, the continued rapid development of the industry is justified by the economic and environmental benefits of increased natural gas use. It is likely that the World Bank will continue to play a modest absolute role in supplying capital to the industry. The Bank can, however, play a crucial role in assisting governments in formulating appropriate energy policies and project development strategies and thereby creating the right policy and financial climate. The Bank can also provide a relatively modest amount of financial backing to projects, which nonetheless can help to generate larger volumes of finance from other sources. In the long run, LNG projects which are well structured and which operate within an appropriate policy environment should succeed in attracting financing even in today's more competitive environment

Soil seed banks Banco de sementes do solo

Directory of Open Access Journals (Sweden)

P.J. Christoffoleti

1998-01-01

Full Text Available The goal of this literature review is to discuss some of the major aspects of the soil seed bank, from its characteristics down to methodological aspects of its determination. Soil seed bank is the reservoir of viable seeds or of vegetative propagules that are present in the soil and that are able to recompose a natural vegetation. In the agroecossystems the soil seed bank is related to weeds, and the knowledge of its size and composition in terms of species can be used in the prediction of future infestations, to built simulation models of population establishment through time and also the definition of soil and cultural management programs, in order to have a rational use of herbicides.O objetivo desta revisão é discorrer sobre alguns pontos importantes no estudo do banco de sementes no solo, desde as sua características até aspectos metodológicos para sua determinação. Denomina-se de banco de sementes a reserva destas ou de propágulos vegetativos viáveis presentes no solo e que são capazes de recompor uma vegetação. Nos sistemas agrícolas o banco está relacionado com o estudo das plantas daninhas; o conhecimento do seu tamanho e das espécies que o compõem poderá ser utilizado na previsão de infestações futuras, na construção de modelos de estabelecimentos populacionais no tempo e consequentemente na definição de programas de manejo de solo e culturais, visando racionalizar a utilização de herbicidas.

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

Science.gov (United States)

2011-09-26

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

Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

Directory of Open Access Journals (Sweden)

Ir Ascarya

2008-08-01

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

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

Directory of Open Access Journals (Sweden)

Dwi Umardani

2017-05-01

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

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

Science.gov (United States)

2010-06-04

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

Danish translation of a physical function item bank from the Patient-Reported Outcome Measurement Information System (PROMIS)

DEFF Research Database (Denmark)

Schnohr, Christina W.; Rasmussen, Charlotte L.; Langberg, Henning

2017-01-01

of the Physical Function item bank into Danish. METHODS: We followed the PROMIS standard procedure, including: 1) two independent translations, 2) back translation, 3) independent reviews of translation quality, and 4) cognitive interviews with a representative sample of the adult population from the municipality...

GenBank

OpenAIRE

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

2002-01-01

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

Regulación neuroendocrina del sistema inmune

OpenAIRE

Caballero Hernández, Diana; Tamez Guerra, Reyes S.; Rodríguez Padilla, Cristina; Tamez Guerra, Patricia; Weber, Richard J.; Gómez Flores, Ricardo

2001-01-01

El sistema inmune recibe señales del sistema nervioso central (cerebro) vía el sistema nervioso autónomo y el sistema endocrino. El sistema inmune, a su vez, envía información al cerebro vía citocinas. Este sistema de retroalimentación es vital para el funcionamiento adecuado del organismo en situaciones normales, y en aquellas en las que la homeostasis se ve perturbada, como en casos de estrés, consumo de drogas (terapéuticas o de abuso), enfermedades infecciosas y...

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

Science.gov (United States)

2012-01-24

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

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

Science.gov (United States)

2010-01-01

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

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.

BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

Directory of Open Access Journals (Sweden)

Dumitru-Cristian OANEA

2014-04-01

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

IMPACT OF THE GLOBAL FINANCIAL CRISIS ON THE CREDIT RISK MANAGEMENT IN A BANK

Directory of Open Access Journals (Sweden)

Jerzy Piotr Gwizdała

2016-06-01

Full Text Available The main purpose of this article is to present the role of risk in the activity of a commercial bank with particular reference to the global financial crisis. The introductory part presents the origins of economic crises, especially the contemporary crisis from 2007-2010, which began in the United States subprime mortgage market. Dating back to the 1831, considerations allow to undetstand the causes of the crises. Then the impact of the global financial crisis on the scale of the crediting activities of banks in Poland was analyzed, presenting a credit portfolio structure, with a particular focus on the structure of loans to households and enterprises. In the second part of the article the process of credit risk management was discussed, paying attention to the crucial role of the bank's credit policy, and the conditions and prospects of commercial bank credit activity development were specified. It presents also the criteria for the proper credit management, indicating as the optimal solution the development of the so-called „credit textbook”.

About Banking.

Science.gov (United States)

Pieslak, Raymond F.

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

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Georg

2015-01-01

The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... mechanism deployable at the discretion of the resolution authority must be available to supply liquidity to a reorganizing bank. On these conditions, a viable and realistic Banking Union would be within reach--and the resolution of global financial institutions would be greatly facilitated, not least...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States' disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure...

Bank Insolvency Procedures and Market Discipline in European Banking

DEFF Research Database (Denmark)

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

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

Sistemas de gestión ambiental normalizados

OpenAIRE

Fronti de García, Luisa; Pahlen, Ricardo José María; D’Onofrio, Paula Alejandra

2004-01-01

La contabilidad ambiental presupone la existencia de un sistema de gestión ambiental. Dentro del sistema integral de la organización, el sistema de gestión ambiental permite la obtención de información oportuna y segura. Podríamos definir el sistema de gestión ambiental de un ente como el conjunto de medidas destinadas a prevenir el impacto negativo de las actividades del ente sobre el medio ambiente. El sistema de gestión ambiental (SGA) es aquella parte del sistema de gestión total que incl...

RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

Directory of Open Access Journals (Sweden)

Aji Damanuri

2016-02-01

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

Islamic banks and profitability: an empirical analysis of Indonesian banking

OpenAIRE

Jordan, Sarah

2013-01-01

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

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

Science.gov (United States)

2013-06-21

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

Adjustable movable capacitors bank at 20 or 30 MVAr in 115 kV; Banco movil de capacitores ajustable a 20 o 30 MVAr en 115 kV

Energy Technology Data Exchange (ETDEWEB)

Ponce Velez, Marco A; Lopez Velazquez, Juan Jose [Instituto de Investigaciones Electricas, Temixco, Morelos (Mexico); Lopez Tagle, Alfredo; Aragon Garcia, Hector [Comision Federal de Electricidad (Mexico)

1999-07-01

The use of fixed capacitors banks in distribution and transmission systems is a useful tool to compensate the demand of reactive power and the drop of voltage of the power lines. Nevertheless, unforeseen happenings can be originated that could cause decompensation in the system reliability. Due to the previous fact, the Transmission and Transformation Coordinator (CTT) of the Comision Federal de Electricidad (CFE) asked for the design and the construction of a movable bank of capacitors for an emergent compensation of reactive power. In this article it is presented the most relevant of the design, the construction and the operation of the movable bank of capacitors developed in the Instituto de Investigaciones Electricas (IIE). [Spanish] El empleo de bancos capacitadores fijos en los sistemas de distribucion y transmision es una herramienta util para compensar la demanda de reactivos y la caida de tension de las lineas. Sin embargo, se pueden originar imprevistos que descompensan la confiabilidad del sistema. Debido a lo anterior, la Coordinadora de Transmision y Transformacion (CTT) de la Comision Federal de Electricidad (CFE) solicito el diseno y la construccion de un banco movil de capacitores para una compensacion emergente de potencia reactiva. En este articulo se presenta lo mas relevante del diseno, la construccion y la operacion del banco movil de capacitores desarrollado en el Instituto de Investigaciones Electricas (IIE).

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Wolf-Georg

The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... at the discretion of the resolution authority must be available to supply liquidity to a reorganizing bank. On these conditions, a viable and realistic Banking Union would be within reach — and the resolution of global financial institutions would be greatly facilitated, not least in a transatlantic perspective....... framework is weak, underfunded and exhibits some serious flaws. Further, Member States’ disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure...

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

OpenAIRE

Masami Imai; Peter Hull

2012-01-01

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

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

Directory of Open Access Journals (Sweden)

Markova O.M.

2017-04-01

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

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

Science.gov (United States)

2013-01-03

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

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

Science.gov (United States)

2012-10-05

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

75 FR 62718 - Disclosure for Asset-Backed Securities Required by Section 943 of the Dodd-Frank Wall Street...

Science.gov (United States)

2010-10-13

... Putting Banks in Hole,'' Wall Street Journal (Mar. 8, 2010) (noting that most mortgages put back to... Dodd-Frank Wall Street Reform and Consumer Protection Act AGENCY: Securities and Exchange Commission. ACTION: Proposed rule. SUMMARY: Pursuant to Section 943 of the Dodd-Frank Wall Street Reform and Consumer...

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

Science.gov (United States)

2012-08-22

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

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

Science.gov (United States)

2013-07-22

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

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

Science.gov (United States)

2013-06-28

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

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

Science.gov (United States)

2012-09-06

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

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

Science.gov (United States)

2013-06-12

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

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

Science.gov (United States)

2013-08-13

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

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

Science.gov (United States)

2012-11-15

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

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

Science.gov (United States)

2013-03-01

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

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

Science.gov (United States)

2012-09-19

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

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

Science.gov (United States)

2013-10-03

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

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

Science.gov (United States)

2012-01-27

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

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

Science.gov (United States)

2012-11-05

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

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

Science.gov (United States)

2013-07-12

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

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

Science.gov (United States)

2012-06-21

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

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

Science.gov (United States)

2013-08-21

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

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

Science.gov (United States)

2012-05-29

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

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

Science.gov (United States)

2012-02-16

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

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

Science.gov (United States)

2013-10-15

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

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

Science.gov (United States)

2013-04-29

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

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

Science.gov (United States)

2013-12-19

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

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

Science.gov (United States)

2012-10-04

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

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

Science.gov (United States)

2012-03-22

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

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

Science.gov (United States)

2013-08-29

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

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

Science.gov (United States)

2013-07-29

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

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

Science.gov (United States)

2012-12-07

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

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

Science.gov (United States)

2012-01-17

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

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

Science.gov (United States)

2012-10-23

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

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

Science.gov (United States)

2012-06-11

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

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

Science.gov (United States)

2012-09-20

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

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

Science.gov (United States)

2012-06-06

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

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

Science.gov (United States)

2012-07-26

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

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

Science.gov (United States)

2013-07-02

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

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

Science.gov (United States)

2013-04-26

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

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

Science.gov (United States)

2012-12-06

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

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

Science.gov (United States)

2013-01-02

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

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

Science.gov (United States)

2013-05-10

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

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

Science.gov (United States)

2012-10-16

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

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

Science.gov (United States)

2012-04-02

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

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

Science.gov (United States)

2013-12-17

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

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

Science.gov (United States)

2013-08-15

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

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

Science.gov (United States)

2013-01-16

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

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

Science.gov (United States)

2012-05-10

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

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

Science.gov (United States)

2012-07-02

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

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

Science.gov (United States)

2013-01-17

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

Cross-Border Banking

OpenAIRE

Jonathan Eaton

1994-01-01

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

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

Directory of Open Access Journals (Sweden)

Rudy Haryanto Rudy Haryanto

2012-07-01

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

Implementação de um sistema SIP para o sistema operacional Linux

OpenAIRE

Davison Gonzaga da Silva

2003-01-01

Resumo: Este trabalho apresenta a implementação de um Sistema de VoIP usando o Protocolo SIP. Este Sistema SIP foi desenvolvido para o Linux, usando-se a linguagem C++ em conjunto com a biblioteca QT. O Sistema SIP é composto de três entidades básicas: o Terminal SIP, o Proxy e o Servidor de Registros. O Terminal SIP é a entidade responsável por estabelecer sessões SIP com outros Terminais SIP. Para o Terminal SIP, foi desenvolvida uma biblioteca de acesso à placa de áudio, que permite a modi...

Glass Ceiling Converted Into Glass Transparency: A Study On The Factors Making Women Executives Successful In The Indian Banking Sector

OpenAIRE

Sachdeva, Dr Geeta

2014-01-01

Economic reforms in the Indian economy along with gradual opening up of a conservative society to a modern society preceded breaking the glass ceiling or conversion Glass ceiling into a Glass Transparency in the Indian Banking Sector. This is backed by a recent study of 240 top Indian companies by EMA Partners, the global executive-search firm, which says more than a half of India's women chief executives are accounted for by the banking and financial services industry. This paper studie...

El sistema deportivo. Amenazas y oportunidades

Directory of Open Access Journals (Sweden)

Javier Olivera Betrán

2006-06-01

Full Text Available Aplicando la teoría de sistemas de Ludwig von Bertalanffy, el deporte es un sistema. En un sistema se da un conjunto de unidades interrelacionadas de tal manera que el comportamiento de cada parte depende del estado de todas las otras, pues todas se encuentran en una estructura que las interconecta. En el enfoque sistémico, el concepto tradicional de energía es reemplazado por el de información, y el de causa-efecto por el de estructura y realimentación. El deporte es una realidad social total, por lo que participa de manera implícita y/o explícita en los procesos humanos más diversos a través de los distintos procedimientos que corresponden a nuestra organización sociocultural. El deporte se configura en estructuras de alta complejidad, las cuales están constituidas por sistemas de sistemas cuya comprensión y estudio representan un formidable reto. El estudio del deporte como sistema debe efectuarse desde la lógica estructural y sistémica a través de la cual nos permita indagar con éxito su configuración esencial, sus elementos fundamentales y el proceso de interactuación con los subsistemas que pertenecen al sistema deporte y con los otros del sistema sociocultural dominante. El deporte es un sistema dinámico que interactúa continuamente mediante un doble proceso, intrínseco a través de una constante metamorfosis entre los distintos subsistemas que lo integran y extrínseco por medio de un ajuste permanente con el contexto social, cultural y medioambiental.

Outsourcing central banking

DEFF Research Database (Denmark)

Khoury, Sarkis Joseph; Wihlborg, Clas

2005-01-01

The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervisioncan be "outsourced" in an open economy with substantial foreign direct investment (FDI)in the banking sector if political...... nationalism does not trump economic rationality. An orthodox CB renders the central banking function redundant in terms of interest rate and exchange rate determination. FDI in banking could perform the same role for the supervisory function of central banks. We use the case of Estonia to illustrate...... the feasibility of, and constraints on, outsourcing of central bank functions. A brief discussion of the Argentinian experience is used for contrast.Key words: Currency Board, Foreign Banks, Supervision, Regional Integration,outsourcing....

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

Science.gov (United States)

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

2007-01-01

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

Ectopic banking of amputated great toe for delayed thumb reconstruction: case report.

Science.gov (United States)

Valerio, Ian L; Hui-Chou, Helen G; Zelken, Jonathan; Basile, Patrick L; Ipsen, Derek; Higgins, James P

2014-07-01

Ectopic banking of amputated parts is a recognized technique for delayed replantation of an amputated part when the amputation stump will not permit immediate replantation. This is conventionally performed with the intent of transferring the injured part back to its anatomic position when the amputation stump is more appropriate for replantation. Current warfare conditions have led to a commonly encountered military trauma injury pattern of multiple extremity amputations with protected trunk and core structures. This pattern poses many challenges, including the limit or absence of donor sites for immediate or delayed flap reconstructive procedures. We describe a case in which we ectopically banked the great toe of an amputated lower extremity for delayed thumb reconstruction. Copyright © 2014 American Society for Surgery of the Hand. Published by Elsevier Inc. All rights reserved.

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

Directory of Open Access Journals (Sweden)

Virimai Mugobo

2015-11-01

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

Squeezed fermions and back-to-back correlations

International Nuclear Information System (INIS)

Panda, P.K.; Krein, G.; Padula, S.S.; Csoergoe, T.; Hama, Y.

2001-01-01

Back-to-back correlations of asymptotic fermion pairs appear if in-medium interactions lead to mass modifications of fermion states in a thermalized medium. The back-to-back correlations of protons and anti-protons will be experimentally observable in ultrarelativistic heavy ion collisions. The strength of back-to-back correlations of fermions can be unlimitedly large, diverging as the momentum of the pair increases and the net baryon density decreases. (author)

Squeezed fermions and back-to-back correlations

Energy Technology Data Exchange (ETDEWEB)

Panda, P.K.; Krein, G.; Padula, S.S. [Instituto de Fisica Teorica (IFT), Sao Paulo, SP (Brazil); Csoergoe, T. [Hungarian Academy of Sciences, Budapest (Hungary). Research Institute for Particle and Nuclear Physics (RMKI, KFKI); Hama, Y. [Sao Paulo Univ., SP (Brazil). Inst. de Fisica

2001-07-01

Back-to-back correlations of asymptotic fermion pairs appear if in-medium interactions lead to mass modifications of fermion states in a thermalized medium. The back-to-back correlations of protons and anti-protons will be experimentally observable in ultrarelativistic heavy ion collisions. The strength of back-to-back correlations of fermions can be unlimitedly large, diverging as the momentum of the pair increases and the net baryon density decreases. (author)

Contribution of Internet Banking toward Profitability of Banking in India

Directory of Open Access Journals (Sweden)

Majid Karimzadeh

2015-12-01

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

Bank Insolvency Procedures and Market Discipline in European Banking

OpenAIRE

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

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

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

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Mohammad Nazim Uddin

2018-01-01

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

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

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Florin Alexandru LUCA

2016-06-01

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

Sistemas de serviços de saúde: principais tipologias e suas relações com os sistema de saúde brasileiro

OpenAIRE

José Patrício Bispo Júnior; Kelly Leite Maia de Messias

2005-01-01

O presente artigo discute as principais características dos Sistemas de Serviços de Saúde e relaciona o Sistema de Saúde Brasileiro com os três principais tipos de Sistemas de Serviços de Saúde. Conceitua e diferencia Sistema de Saúde de Sistemas de Serviços de Saúde. Apresenta a conformação, objetivos, componentes, características e funções dos Sistemas de Serviços de Saúde. Apresenta e discute os três principais tipos de Sistemas de Serviços de Saúde: Sistema de Saúde de Dominância de Me...

ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

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Nani Hartati

2017-11-01

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

GenBank

OpenAIRE

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

2006-01-01

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

Strategic positioning in banking industry: Evidence from banking industry

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Hedieh Mashoof

2014-08-01

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

CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

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Chian-Son Yu

2014-06-01

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

Sistemas de tiempo real y sistemas distribuidos de tiempo real

OpenAIRE

Pesado, Patricia Mabel; Ramón, Hugo Dionisio; Boracchia, Marcos; Pasini, Ariel C.; De Vito, María Cecilia; Osella Massa, Germán Leandro; Estrebou, César Armando

2006-01-01

El proyecto de investigación y desarrollo en Sistemas de Software Distribuido, abarca aspectos que van desde los fundamentos del desarrollo (Técnicas de Ingeniería de Requerimientos, Metodologías de Gestión y Desarrollo de Proyectos, Técnicas de Planificación, Métricas, Normas de Calidad, Web-Systems) hasta la concepción de aplicaciones específicas orientadas a los procesos industriales (Sistemas de Planeamiento de Producción, Control Industrial en tiempo real), procesos de E-government (Voto...

12 CFR 209.2 - Banks desiring to become member banks.

Science.gov (United States)

2010-01-01

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

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

OpenAIRE

Dr. S. Anthony Rahul Golden

2016-01-01

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

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

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Yaser Taufik Syamlan

2017-06-01

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

Sistema de radiació solar via USB

OpenAIRE

Villanueva López, José Vicente

2008-01-01

L’objectiu d’aquest projecte és implementar un sistema de mesura de la irradiació solar a la Terra basat en una placa solar fotovoltaica. S’ha dissenyat i construït un sistema de mesura de la radiació solar que pot ser útil per aquells que instal·len sistemes fotovoltaics, que pot permetre l’estudi pràctic de les variables energètiques i econòmiques que ens poden indicar quin sistema és mes rentable construir, si un sistema de pannell solar fix, un sistema de pannell solar o...

Testing of Technology Acceptance Model on Core Banking System: A Perspective on Mandatory Use

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Burhan Suryo Ambodo

2017-03-01

Full Text Available This study aims to examine the acceptance of Core Banking System (CBS which is mandatory use software. The objects of this research are teller, customer service, and back office Branch of Bank BPD DIY Wonosari. Data were measured using Likert scale in five range value. A number of 49 data were analyzed using Partial Least Square (PLS. The results showed that ease of use had no positive effect on symbolic adoption; attitudes toward usage and perceived conformance has a positive effect on symbolic adoption, ease of use and perceived compatibility has no effect on attitudes towards usage. Usability, satisfaction and compatibility that are felt to positively affect attitude toward usage. In the information technology model that is mandatory use, it is important to note the symbolic adoption of information technology therefore the performance of the user (employee/employee can remain good. In particular for banking institutions that using CBS, it is important to improve the use of CBS, user satisfaction and CBS conformity with business processes, given the current banking business processes that are constantly expanding, there is no possibility of adjusting CBS to business processes at later.

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

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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.

Development's Collateral Damage : The World Bank, involuntary resettlement and human rights

OpenAIRE

Martin, Deirdre Christine

2011-01-01

Each year millions of people throughout the world are forced from their homes to make way for new roads, dams and other infrastructure developments. The World Bank funds many of these projects in developing countries and has been both harshly criticised for its track record with involuntary resettlement and a global leader in producing guidelines aimed at ensuring those forced to relocate are not harmed by the process. The Bank’s policy on involuntary resettlement is backed up by an Inspecti...

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

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Yen Sun

2011-11-01

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

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

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Muhammad Shakil AHMAD

2011-01-01

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

Sistema de información sobre categorías farmacológicas

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Daisy Pérez-Velasco Rodríguez

2001-08-01

Full Text Available Se presenta un sistema de información sobre categorías farmacológicas, el cual brinda la definición de las acciones farmacológicas y la clasificación anatómica--terapéutica-química (ATC u ordenamiento farmacoterapéutico-químico que la identifica, aspecto este recomendado por la OMS. Este sistema, cuya información está disponible en español e inglés, permite la impresión de listados de categorías en ambos idiomas con sus correspondientes códigos. Dicho sistema que funciona como diccionario farmacológico, constituye una importante herramienta de consulta ya que define científicamente cada una de las acciones con que cuenta y constituye un material de apoyo para todo aquel que de una forma u otra se relacione con la temática médico-farmacéutica, donde se puede obtener una información actualizada la cual resulta beneficiosa social y económicamente. El sistema se elaboró mediante el lenguaje de programación Borland Delphi Versión 3.0, el cual presenta un entorno agradable e interactivo para el usuario final del sistema.This paper presents an information system on pharmacological categories that provides the definition of the pharmacological actions and the anatomic-therapeutic-chemical classification or pharmaco-therapeutic-chemical arrangement that identifies a pharmacological category; it is recommended by WHO. This system with information available in Spanish and English facilitates the printing of the category listings in both languages with their respective codes. It operates in a way similar to a pharmacological dictionary, is an important consulting tool since it scientifically defines each of the actions that it avails of, and is also a back-up material for everyone who in one way or another is linked to the medical-pharmaceutical field because socially and economically advantageous updated information can be obtained from it. This system was prepared with Borland Delphi 3.0 programming language, which presents a

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

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Hassan Ghodrati

2014-06-01

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

Essays on banking

NARCIS (Netherlands)

Tumer-Alkan, G.

2008-01-01

The banking literature documents various roles for banks in financial systems. Banks are both ‘liquidity providers’ and ‘information producers’. Banks are especially important for small and medium-size enterprises and represent these firms' principal source of external finance. Hence, the banks’

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

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ELENA SILVIA DINCULESCU

2010-01-01

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

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

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Pooja MALHOTRA

2009-11-01

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

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

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Selly Maulina

2016-12-01

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

DOS SISTEMAS AMBIENTAIS AO SISTEMA FLUVIAL – UMA REVISÃO DE CONCEITOS

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Jonas Otaviano Praça de Souza

2013-10-01

Full Text Available Tentando consolidar as noções de totalidade, a geografia física passa a utilizar a noção de sistemas dinâmicos, não lineares e de comportamento caótico. Deste modo, a abordagem sistêmica/complexa apresenta-se como meio de compreensão do mundo natural, assim possibilitando a previsão de mudanças, avaliação dos sistemas ambientais, distúrbios e limiares do sistema. Nota-se, assim, a importância dos estudos processuais para o gerenciamento de recursos hídricos, tornando imprescindíveis estudos sistêmicos que analisem os diversos elementos importantes para a análise dos recursos hídricos, dentre eles as questões processuais. Deste modo, a necessidade de se trabalhar o gerenciamento integrado de recursos hídricos, enquadrado na perspectiva sistêmica, solidificou a bacia hidrográfica e/ou bacia de drenagem como recorte espacial sistêmico. Delimitada a área pode-se compreender a bacia hidrográfica como um Sistema Fluvial, conceituado por Schumm (1977, que é analisado a partir da zona fonte de sedimentos, da rede de transporte e dos sítios de deposição. Esses elementos não são espacialmente excludentes, interagindo entre si, além de apresentar escalas diferenciadas. Para o estudo do sistema fluvial é necessário levar em consideração quatro conceitos: uniformidade dos processos, limiares de mudança, evolução da paisagem e respostas complexas.

Sistema Automatizado de Emailing Marketing

OpenAIRE

Martínez López, Javier

2010-01-01

Projecte final de carrera realitzat en col.laboració amb E-xpertel S.A El presente proyecto describe el diseño e implementación de un sistema de automatización de campañas de marketing a través de email hacia clientes y/o clientes potenciales. Este sistema tiene como objetivos principales adquirir nuevos clientes y conseguir la delización de los mismos. El sistema se complementa con una plataforma CRM (Customer Relationship Management) para el mantenimiento de datos de empresa...

The Alaska Area Specimen Bank: a tribal-federal partnership to maintain and manage a resource for health research.

Science.gov (United States)

Parkinson, Alan J; Hennessy, Thomas; Bulkow, Lisa; Smith, H Sally

2013-01-01

Banked biospecimens from a defined population are a valuable resource that can be used to assess early markers for illness or to determine the prevalence of a disease to aid the development of intervention strategies to reduce morbidity and mortality. The Alaska Area Specimen Bank (AASB) currently contains 266,353 residual biologic specimens (serum, plasma, whole blood, tissue, bacterial cultures) from 83,841 persons who participated in research studies, public health investigations and clinical testing conducted by the U.S. Public Health Service and Alaska Native tribal health organisations dating back to 1961. The majority (95.7%) are serum specimens, 77% were collected between 1981 and 1994 and 85% were collected from Alaska Native people. Oversight of the specimen bank is provided by a working group with representation from tribal, state and federal health organisations, the Alaska Area IRB and a specimen bank committee which ensures the specimens are used in accordance with policies and procedures developed by the working group.

E-Banking: Risk Management Practices of the Estonian Banks

OpenAIRE

Dmitri Sokolov

2007-01-01

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

Bank Ethics:An Empirical Investigation of the Banking in China

Institute of Scientific and Technical Information of China (English)

刘春红; 宋玮

2004-01-01

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

Dividend Payout Policy of Conventional Banking and Islamic Banking in Pakistan

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Farhan Ahmed

2018-01-01

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

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

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Dr. Irwan Ch

2017-06-01

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

Abundance of western red-backed salamanders (Plethodon vehiculum) in the Washington Coast Range after headwater stream-buffer manipulation

Science.gov (United States)

Randall J. Wilk; Jeffrey D. Ricklefs; Martin G. Raphael

2014-01-01

We evaluated the effect of forest riparian alternative tree buffer designs on Western Red-backed Salamanders (Plethodon vehiculum) along headwater stream banks in managed forests of the Washington Coast Range. We used pit trap live removals in early autumn to estimate relative abundances of surface-active salamanders before and after 3 levels of riparian buffer...

Evolution of central banking? De Nederlandsche Bank 1814-1852

NARCIS (Netherlands)

Uittenbogaard, R.A.

2014-01-01

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

Importancia del manual de los sistemas contables en el sistema de control interno.

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Nicolás Valdés Rodríguez

2007-01-01

Full Text Available La dirección administrativa del país en los últimos 3 años ha insistido en la necesidad de profundizar en los mecanismos de control económico –financiero de las entidades, el presente trabajo va dirigido a contribuir en alguna medida a lograr ese propósito. El sistema contable de una Entidad forma parte indisoluble del Sistema de Control Interno de la misma, por la vinculación tan estrecha que existe entre los mismos. El objetivo fundamental del trabajo ”Importancia del Manual de los Sistemas Contables en el Sistema de Control Interno”, es destacar la utilidad práctica, técnica y organizativa que tiene el Manual para elevar la eficiencia del trabajo contable de las Entidades y su repercusión positiva en la eficiencia el sistema de Control Interno establecido. Los beneficios que aporta el Manual radican en que crea una base normativa contable adecuada a las características de cada entidad. Como se sabe en las transformaciones económicas realizadas en el país, la existencia de dos monedas en el trabajo económico-contable de muchas entidades, la puntualización del objeto social y la cartera de productos y servicios han complejizado el trabajo contable, requiriendo una mayor adecuación a las características propias de cada entidad, lo cual se logra con la realización del Manual.

Sistema de inferencia difusa basado en relaciones Booleanas

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Helbert Eduardo Espitia Cuchango

2010-09-01

Full Text Available Este documento describe la estructura de un sistema de inferencia difusa basado en relaciones booleanas. La teoría relacionada con lógica y conjuntos booleanos es una buena herramienta para el diseño de automatismos y sistemas digitales. Una variación con la cual se busca mejorar los sistemas basados en automatismos consiste en emplear conjuntos difusos en lugar de booleanos. Lo anterior se realiza con el objetivo de tener una acción continua en el actuador del automatismo. Al realizar esta variación y al aplicar la metodología de diseño de los sistemas de automatismos, aparecen los sistemas de inferencia difusa basados en relaciones booleanas.Aunque inicialmente esta propuesta se realizó considerando sistemas de automatismos, se observa que es posible extenderla a sistemas de inferencia difusa.

Bank Stability and Competition: Evidence from Albanian Banking Market

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Gerti SHIJAKU

2017-05-01

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

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

Directory of Open Access Journals (Sweden)

Anamika Singh

2016-06-01

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

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

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Mansor H. Ibrahim

2017-02-01

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

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

OpenAIRE

Haryono, Carissa Amelia

2016-01-01

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

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

Science.gov (United States)

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

2012-01-01

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

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

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Nsiah K. Acheampong

2013-12-01

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

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

African Journals Online (AJOL)

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

Bank Control and the Number of Bank Relations of Japanese Firms

NARCIS (Netherlands)

Sterken, Elmer; Ogawa, Kazuo; Tokutsu, Ichiro

2005-01-01

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

Sistemas híbrido de produção de energia para sistema de comunicações rádio

OpenAIRE

Carreiras, José Manuel Patrício

2014-01-01

Mestrado em Sistemas de Energias Renováveis na Escola Superior de Tecnologia e Gestão do Instituto Politécnico de Viana do Castelo Este trabalho de projeto incidiu sobre o dimensionamento de cinco sistemas Autónomos de produção de energia para alimentação de Pontos repetidores do sistema de comunicação e sua implementação. O presente trabalho iniciou-se em 2006 quando por motivos profissionais foi necessário construir um sistema de comunicação de suporte ao sistema de telegestã...

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

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Rossazana Ab-Rahim

2017-08-01

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

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

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Shijaku Gerti

2017-09-01

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

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

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Sarwar Uddin Ahmed

2014-11-01

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

BLC Bank - Lebanon : Leading in Banking on Women

OpenAIRE

International Finance Corporation

2016-01-01

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

Um modelo de enfermagem como sistema complexo adaptativo

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Mariana Vieira

2009-01-01

Full Text Available El surgimiento y el uso de los sistemas complejos adaptativos suplieron la necesidad de contar con una nueva alternativa, recurriendo a los paradigmas existentes. En cuanto al sistema de salud y de enfermería, ambos pueden verse como sistemas complejos adaptativos al aplicar un modelo visual que debe ser explorado para potenciar la complejidad de la ciencia de enfermería y de cuidados de salud. Desde esta perspectiva, el/la enfermero/a es un sistema complejo adaptativo, dinámico que interactúa, pero también es agente de un sistema complejo adaptativo en una unidad de enfermería, que a la vez es un sistema complejo adaptativo en una organización de la salud. Hoy en día la/el profesional de enfermería busca actualizarse y cualificarse en diversas especialidades, que van desde enfermería neonatal hasta cuidados geriátricos, para ejecutar sus actividades y visualizar su ambiente laboral desde la perspectiva de un sistema complejo. En consecuencia, la organización del sistema de cuidados permite, mediante los sistemas complejos, apoyarse en el saber compartido de los diversos profesionales y en el trabajo en equipo para disfrutar la complicidad de la cadena cliente-usuario-profesionales.

Del Actual Sistema de Enfermedad a un verdadero Sistema de Salud

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Lidice Alvarez-Miño

2018-01-01

Full Text Available Esta editorial tiene como objetivo generar una reflexión y abrir el debate sobre el sistema actual de salud que se refleja en prácticas naturalizadas  que se contradicen con la esencia del significado de la salud. Se trata de la costumbre de acudir al sistema de salud únicamente cuando se considera que se está enfermo, o peor aún, la equivalencia reduccionista y casi automática del concepto de salud como sinónimo de medicina.

Servizi finanziari imputati e interdipendenze settoriali: un'analisi settoriale del ruolo del credito nel sistema economico. (Imputed bank services and sectoral interdependences: a structural analysis of the role of credit in the economy

Directory of Open Access Journals (Sweden)

C. BIANCHI

2013-12-01

Full Text Available I sistemi di contabilità nazionale in base alla metodologia SEC sono soliti comportarsi in modo da garantire l'impossibilità pratica di effettuare qualsiasi assegnazione significativa di servizi bancari imputati tra i singoli rami di attività economica.  Il presente lavoro mostra come questo vieta l'analisi strutturale del ruolo del credito nel sistema di interdipendenze. . L'analisi mette in evidenza la duplice natura del credito come contenuti a valore aggiunto altamente intermedio e alto. È in grado di influenzare forte su i costi di produzione degli altri rami, senza essere influenzato da loro. Queste proprietà conferiscono al settore bancario un potenziale molto elevato per l'inflazione.National accounts systems based on the SEC methodology are usually thought to comport the practical impossibility of carrying out any meaningful allocation of imputed bank services among the single branches of economic activity. As a consequence, the total value of the net interest earned by the credit system as a whole is considered as a cost entry and a negative component of added value in an ad-hoc additional industry, to be aggregated to the main credit one in the typical input-output analysis. The present work shows how this prohibits the structural analysis of the role of credit in the system of interdependencies. A method of is proposed in which imputed services of credit are distributed by branches, on the basis of existing statistics, proving valuable in assessing the significance of certain quantities of national accounts, such as operating results. The analysis highlights the dual nature of credit as highly intermediate and high value-added content. It is able to strongly influence the production costs of the other branches, without being influenced by them. These properties give the banking industry a very high potential for inflation. JEL: E51, G21

Banking governance: New Approaches

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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.

BANKING WITHOUT INTEREST

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Jana Ilieva

2017-06-01

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

O sistema social da saúde: conceito, limites e possibilidades

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Sandra Regina Martini Vial

2014-06-01

Full Text Available Discutem-se as possibilidades de definir o sistema da saúde como um sistema social, diferenciado funcionalmente, a partir da ótica da Teoria dos Sistemas Sociais, utilizando os pressupostos gerais da Teoria e a estrutura apresentada por Niklas Luhmann sobre o sistema médico. Apresentam-se alguns “desassossegos” provocados pela Teoria; as possíveis relações entre o sistema da saúde e o que Luhmann chamou de sistema médico e como esse sistema, atualmente, pode ser considerado sistema da saúde; e, por fim, a nossa concepção do sistema da saúde na atualidade.

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.

Distorsioni strutturali della regolamentazione prudenziale delle banche (Structural distortions in prudential regulation of banks

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Mario Tonveronachi

2012-04-01

Full Text Available A livello nazionale, la regolamentazione finanziaria basata su divieti, cioè la cosiddetta regolamentazione strutturale, veniva accusata di produrre rilevanti distorsioni. Il grado di concorrenza ne risultava limitato, favorendo inefficienze di tutti i tipi; la cultura del rischio ne risultava indebolita; ampi poteri discrezionali erano usati dalle autorità nazionali per distorcere i meccanismi di mercato e la proprietà pubblica distorceva la concorrenza e favoriva pratiche clientelari.Una nuova comune cultura regolamentativa è quindi emersa, basata sulla libera concorrenza interna al settore bancario e per il sistema finanziario nel suo complesso. Essa richiede l’eliminazione di stretti limiti all’operatività bancaria, l’abbandono del principio di specializzazione tra attività di banca commerciale e attività finanziaria non bancaria, l’affermazione della proprietà privata, l’assoggettamento delle banche a una più forte disciplina di mercato, anche con riguardo alla loro corporate governance. Le regole di Basilea producono distorsioni non meno serie di quelle attribuite alla precedente regolamentazione strutturale. La concorrenza eccessiva non è meno dannosa di un basso grado di concorrenza, l’impostazione del level playing field aiuta la grande dimensione e pratiche di too big to fail, i capital crunches producono seri effetti sull’economia, mentre i costi di regolamentazione assorbono importanti quote delle risorse delle banche minori. È materia di ulteriore ricerca verificare se la nuova impostazione di regolamentazione abbia anche favorito un aumento nella quota del reddito nazionale assorbito dal sistema finanziario senza aver prodotto una migliore distribuzione dei rischi e un proporzionale aumento in quella che James Tobin (1984 ha definito efficienza di piena assicurazione.   At the national level, financial regulation based on prohibitions, the so-called structural rules, was accused of producing significant

Distorsioni strutturali della regolamentazione prudenziale delle banche (Structural distortions in prudential regulation of banks

Directory of Open Access Journals (Sweden)

Mario Tonveronachi

2009-12-01

Full Text Available A livello nazionale, la regolamentazione finanziaria basata su divieti, cioè la cosiddetta regolamentazione strutturale, veniva accusata di produrre rilevanti distorsioni. Il grado di concorrenza ne risultava limitato, favorendo inefficienze di tutti i tipi; la cultura del rischio ne risultava indebolita; ampi poteri discrezionali erano usati dalle autorità nazionali per distorcere i meccanismi di mercato e la proprietà pubblica distorceva la concorrenza e favoriva pratiche clientelari.Una nuova comune cultura regolamentativa è quindi emersa, basata sulla libera concorrenza interna al settore bancario e per il sistema finanziario nel suo complesso. Essa richiede l’eliminazione di stretti limiti all’operatività bancaria, l’abbandono del principio di specializzazione tra attività di banca commerciale e attività finanziaria non bancaria, l’affermazione della proprietà privata, l’assoggettamento delle banche a una più forte disciplina di mercato, anche con riguardo alla loro corporate governance.Le regole di Basilea producono distorsioni non meno serie di quelle attribuite alla precedente regolamentazione strutturale. La concorrenza eccessiva non è meno dannosa di un basso grado di concorrenza, l’impostazione del level playing field aiuta la grande dimensione e pratiche di too big to fail, i capital crunches producono seri effetti sull’economia, mentre i costi di regolamentazione assorbono importanti quote delle risorse delle banche minori. È materia di ulteriore ricerca verificare se la nuova impostazione di regolamentazione abbia anche favorito un aumento nella quota del reddito nazionale assorbito dal sistema finanziario senza aver prodotto una migliore distribuzione dei rischi e un proporzionale aumento in quella che James Tobin (1984 ha definito efficienza di piena assicurazione. At the national level, financial regulation based on prohibitions, the so-called structural rules, was accused of producing significant

Intelligent tutorial system for selftraining in tuning of control systems; Sistema tutorial inteligente para el autoentrenamiento en sintonizacion de sistemas de control

Energy Technology Data Exchange (ETDEWEB)

Romero Jimenez, Guillermo; Perez Ocampo, Maria Concepcion [Instituto de Investigaciones Electricas, Temixco, Morelos (Mexico)

1999-07-01

In this paper the design, development and validation of an intelligent tutorial system oriented to the instruction of techniques of tuning of control systems is described. This system is based on systems previously developed in the Simulation Unit of the Instituto de Investigaciones Electricas (IIE). The designed system accounts with four modules: of knowledge, the student model, of tutor and of interface, basic characteristics that allows to locate this system in the context of the intelligent tutorial systems. In this system in particular, the knowledge module was only modified, because advantage is taken of the existing structure to incorporate a new dominion of application: the one of the techniques of tuning of control systems. The system maintains the characteristic that it can also be used as a consultation system. In addition to the design and validation of the tutorial system, when following the methodology of processing the degree of generality of the developed system, was evaluated, taking into account the evaluation and quantification of metrics that the engineering software proposes. [Spanish] En este trabajo se describen el diseno, el desarrollo y la validacion de un sistema tutorial inteligente orientado a la instruccion de tecnicas de sintonizacion de sistemas de control. Este sistema esta basado en sistemas desarrollados anteriormente en la Unidad de Simulacion del Instituto de Investigaciones Electricas (IIE). El sistema disenado cuenta con cuatro modulos: de conocimiento, del modelo del estudiante, de tutor y de interfaz, caracteristica principal que permite ubicar a este sistema en el contexto de los sistemas tutoriales inteligentes. En este sistema en particular solo se modifica el modulo de conocimiento, pues se aprovecha la estructura existente para incorporar un nuevo dominio de aplicacion: el de las tecnicas de sintonizacion de sistemas de control. El sistema mantiene la caracteristica de que tambien puede utilizarse como un sistema de

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

Directory of Open Access Journals (Sweden)

Sundas Rauf

2013-12-01

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

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

NARCIS (Netherlands)

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

2010-01-01

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

Small finance banks: Challenges

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Jayadev M

2017-12-01

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

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

OpenAIRE

Angel, Christania Graciella; Pusung, Rudy

2014-01-01

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

Evolución estelar en sistemas binarios

Science.gov (United States)

De Vito, M. A.; Benvenuto, O.

Definición y clasificación de sistemas binarios; descripción del comportamiento del sistema frente a la variación de su masa; binarias de rayos X; transferencia de masa en sistemas binarios masivos aplicado al posible esclarecimiento del progenitor azul de la supernova SN 1987A; comentario acerca de la evolución de enanas blancas de helio de baja masa y su conexión con los sistemas binarios; reseña del trabajo de Kippenhahn y Weigert sobre el cual está basado el código evolutivo desarrollado en la FCAG por el Dr. Benvenuto y sobre el cual se trabajará para poder incluir la evolución de una estrella con pérdida de masa perteneciente a un sistema binario.

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

From Monolithic to Microservices An Experience Report from the Banking Domain

DEFF Research Database (Denmark)

Bucchiarone, Antonio; Dragoni, Nicola; Dustdar, Schahram

2018-01-01

Microservices have seen their popularity blossoming with an explosion of concrete applications in real-life software. Several companies are currently involved in a major refactoring of their back-end systems in order to improve scalability. This article presents an experience report of a real......-world case study, from the banking domain, in order to demonstrate how scalability is positively affected by reimplementing a monolithic architecture into microservices. The case study is based on the FX Core system for converting from one currency to another. FX Core is a mission-critical system of Danske...

12 CFR 583.3 - Bank.

Science.gov (United States)

2010-01-01

... OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.3 Bank. The term bank means any national bank, state bank, state-chartered savings bank, cooperative bank, or industrial bank, the deposits of which are insured by the...

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

Directory of Open Access Journals (Sweden)

Rohmawati Kusumaningtias

2009-10-01

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

Sistema inteligente de detección de intrusiones

OpenAIRE

Martínez Puentes, Javier

2011-01-01

El sistema diseñado es un sistema de detección de intrusiones mediante el análisis del payload del tráfico de la red en busca de algún tipo de malware. Este sistema implementa su algoritmo de detección como “preprocesador dinámico” de Snort. Mediante el trabajo conjunto de Snort y del Sistema diseñado puede afirmarse que se obtiene un sistema altamente eficaz ante ataques conocidos (mediante el paso de reglas de Snort) e igualmente eficaz ante ataques nuevos o desconocidos (que era el obj...

Framing a Bank

DEFF Research Database (Denmark)

Holmgreen, Lise-Lotte

2012-01-01

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

GenBank

OpenAIRE

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

2012-01-01

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

Brand Relationship and Its Effect Towards Brand Evangelism to Banking Service

Directory of Open Access Journals (Sweden)

Sri Vandayuli Riorini

2015-04-01

Full Text Available The purpose of this study was to analyze the effect of Brand relationship, Brand trust, Brand identification, Brand involvement, Brand commitment to Brand evangelism. This study using purposive sampling technique in which samples were selected in this study as much as 200 commercial Banks customers have used the services of the Bank at least 12 months. Data analysis instrument used was Multiple Regression Analysis with SPSS assistance. The results obtained are consistent with previous studies, in which customers increasingly have a relationship, trust, identification, involvement, and commitment to the brand Commercial Bank will increasingly have the intention to buy the brand, reference brand they use positively, and give contradictory references the back of a competing brand to others or called with Brand evangelism. Furthermore, it is known that the most dominant factor influencing Brand evangelism is a Brand commitment. Further research is recommended to investigate the influence of Brand relationship with all of its dimensions, namely Brand trust, Brand identification, Brand involvement, Brand commitment to Brand evangelism with its entire dimension (Positive brand referrals, Brand purchase intention, and Oppositional brand referrals. Furthermore, it also is advisable to do research for brands other services, such as hotels and restaurants.

Introducción al estudio de los sistemas económicos

OpenAIRE

García Nossa, Antonio

2010-01-01

Interdependencia de los sistemas; Coexistencia de los sistemas; Sucesión y coexistencia; Sistemas históricos y sistemas geopolíticos; Factores cuantitativos y cualitativos de los sistemas; Principios generales de los sistemas.

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

OpenAIRE

Prawitasari, Larasati; Hudrasyah, Herry

2012-01-01

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

Perlindungan Hukum Terhadap Nasabah Bank Pengguna Internet Banking Dari Ancaman Cybercrime

OpenAIRE

Astrini, Dwi Ayu

2015-01-01

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

Grievance redressal instrument and inclination of diverse modes used to enlist complaints in indian banks

Directory of Open Access Journals (Sweden)

Gagandeep K. Nagra

2016-03-01

Full Text Available   Background: Customer grievances are a bit of the business life of any corporate component. This is more so for banks in light of the way that they are organization affiliations .Indeed the organization business is planned to pass on what its customers conclusively need .Banking industry in India was considered as standard section 10 years back yet the sharp tries of RBI in the later past has changed and changed the substance of Indian dealing with a record industry. It has in like manner understood the challenges which the business has not defied until then and making an unrivaled purchaser reliability and experience is one of them. The engaged differentiator of banks depends on upon the ability to give a better issue than the customers other than offering a wide blend of things. Methods: The path in which banks talk and oversee customer grumblings is a key variable in picking the way of customer organization .Having an inside and out plot redressal instrument for addressal of all the customer grievances is of prime hugeness. The destinations of the paper are to get a comprehension into the grievance redressal instrument followed in banks, care about it among general populace and its sufficiency. Data has been accumulated with the help of a sorted out survey by 200 bank customer's .With the aid of Statistical Package for Social Sciences (SPSS, both realistic experiences including frequencies, rates, mean, and standard deviations and moreover inferential tests, for instance, Pearson chi-square and ANOVA were joined. Results and conclusions: Results exhibited a low level of care about grievance redressal approach and demonstrated that private part banks have a more practical grievance redressal framework when appeared differently in relation to open range banks The study has recommendations for the bank customers to show himself seeing protesting determination handle the and furthermore the banks in suitably arranging a reasonable model of

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.

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

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Jayati Sarkar

2018-02-01

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

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

Directory of Open Access Journals (Sweden)

Alina Ligia Dumitrescu

2013-04-01

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

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

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Muhamad Abduh

2008-01-01

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

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

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Gatot Nazir Ahmad

2014-04-01

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

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

OpenAIRE

Makosana, Musa

2014-01-01

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

El Sistema inspirerede projekter

DEFF Research Database (Denmark)

Holst, Finn; Chemi, Tatiana

Rapporten er resultat af pilotprojektet ”Forundersøgelse El Sistema DK” gennemført af Ph.D. Finn Holst (DPU, Aarhus Universitet) og Ph.D. Tatiana Chemi (Aalborg Universitet) i 2015. I rapporten indgår desuden bidrag fra Sofie Holm, Sara Fink Søndergaard og Stine Møgelbjerg Johansen. Pilotprojektet...... er gennemført for DMKLs El Sistema-udvalg med støtte fra Statens Kunstfond, Projektstøtteudvalget for Musik....

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

Science.gov (United States)

2011-07-27

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

Sistema fotovoltaico de iluminación solar

OpenAIRE

Víctor Hugo Benítez Baltazar; Guadalupe Araceli Torres Valverde; Luis Armando Gámez Valdéz; Jesús Horacio Pacheco Ramírez

2013-01-01

El artículo es el resultado de un trabajo de investigación enfocado al uso de sistemas fotovoltaicos para la iluminación por medio de diodos emisores de luz tipo LED. Se busca reducir el consumo energético mediante la implementación de un sistema de iluminación basado en LED hasta en un 80%, donde la fuente primaria de energía es el Sol. Se demuestra la viabilidad de los sistemas solares de iluminación LED mediante la construcción de un prototipo. Los sistemas de iluminación fotovoltaicos son...

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

OpenAIRE

Okibo, Bichanga Walter; Wario, Ali Yattani

2014-01-01

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

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

CERN Document Server

Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas

2016-01-01

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

Pengaruh Pengumuman Likuidasi Bank Terhadap Minat Menarik Uang Dari Bank

OpenAIRE

Haribowo, Ignatius Novianto

2017-01-01

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

GenBank

OpenAIRE

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

2008-01-01

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

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

OpenAIRE

TRI REJEKI, TALHA

2014-01-01

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

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

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Teodora Barbu

2007-03-01

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

BANKING UNION - ROMANIAN PERSPECTIVE

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Coroiu Sorina Ioana

2015-07-01

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

Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry

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El Mehdi Ferrouhi

2014-12-01

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

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

OpenAIRE

Uddin, Md Akther

2015-01-01

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

Immanuel Wallerstein e o moderno sistema mundial

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José Jobson de Andrade Arruda

1983-12-01

Full Text Available (primeiro parágrafo do texto Immanuel Wallerstein é diretor do Centro Fernand Braudel para o Estudo de Economias, Sistemas Históricos e Civilizacionais (Binghamton, N.Y. e editor da revista trimestral Review. Seu projeto mais amplo é a busca dos elementos determinantes do sistema mundial moderno. Para tanto, dividiu o seu trabalho em quatro partes principais, às quais con-sidera as quatro épocas fundamentais apresentadas pelo dito sistema até hoje. O primeiro volume, objeto desta resenha crítica, cobre o período de 1450 a 1640, correspondendo ao estudo das origens e condições primitivas do sistema mundial até então exclusivamente um sistema europeu. O segundo volume, já publicado, ocupar-se-ia da consolidação do sis-tema entre 1640 e 1815. O terceiro volume, referente ao período de 1815 a 1917, estará centrado na recriação do sistema decorrente das vertiginosas transformações resultantes do dinamismo tecnológico e do avanço do industrialismo no século XIX. O quarto volume cuidará da consolidação da economia — mundo capitalista, a partir de 1917 até a atualidade, e das tensões "revolucionárias" particulares que esta conso lidação tem provocado.

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

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Suleyman Degirmen

2015-08-01

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

International Islamic Banking

OpenAIRE

saleem, shahid

2007-01-01

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

Control óptimo y robusto H∞ de sistemas no lineales aplicaciones a sistemas electromecánicos

OpenAIRE

Vivas Venegas, Carlos

2004-01-01

La teoría de control automático ha experimentado un notable desarrollo en los últimos tiempos especialmente en el campo de los sistemas no lineales. Son aportaciones relativamente recientes los paradigmas de control basados en pasividad, teoría de sistema

Estabilización robusta de sistemas lineales

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Horacio Leyva Castellanos

2013-12-01

Full Text Available En este trabajo se muestra un conjunto de resultados que permiten abordar el problema de la estabilización robusta de una familia de sistemas lineales positivos. Se describen dos nuevas aplicaciones en la teoría de control positivo para sistemas compartimentales y se muestra la aplicación de un teorema de robustez para tales sistemas

First National Bank de Chicago – (EE.UU.

Directory of Open Access Journals (Sweden)

F. Murphy Asociados y Perkins y Will Partnership, Arquitectos

1973-11-01

Full Text Available Principally, five factors have participated in this project: necessary space, structure, mechanical and electrical systems, vertical circulation and urban surroundings. Two different functions have been taken into account: the lower part for the bank and the upper for leasing, with the consequent imperatives of space: broad open surfaces for contact with the public in the lower levels; and small business sites with an exterior view in the upper floors. The solution to the problem has been a structure that decreases in depth as its height increases with side superstructures in an inclined curve. It has a metal structure protected against fire with concrete and covered with granite slabs. All of the floors have a central air-conditioning system using electrical coolers instead of boilers; thus, the building operates entirely on electricity. To obtain maximum freedom of space in the bank floors, the classic central nucleus of communication has been replaced, for the leasing zone, by two nuclei of elevators at both ends of the buildings which jut out from the main structure. The bank, in turn, has two other elevator nuclei, adjacent to the preceding ones, and escalators for the public on the various levels. The creation of the plaza in front of structure provides an attractive expanse in a densely populated zone.En este proyecto han intervenido, principalmente, cinco factores: espacio necesario, estructura, sistemas mecánicos y eléctricos, circulación vertical y entorno urbano. Se han tenido en cuenta dos funciones distintas: parte inferior, para banco, y superior, destinada a arrendamientos, con los consiguientes imperativos de espacio: amplias superficies abiertas, de contacto con el público, en los niveles bajos, y pequeños locales de oficinas, con vistas al exterior, en las plantas superiores. La solución del problema ha sido una construcción que va disminuyendo en profundidad, a medida que aumenta su altura, produciendo alzados laterales

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

OpenAIRE

Alowd, Jehad; Wodie, Astede

2013-01-01

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

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

OpenAIRE

Nafis Alam; Ibrahim Hussien Musa Magboul; Murali Raman

2010-01-01

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

The Accounting Mirror of the Banking Business: The Bank of Barcelona (1845-1856

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Yolanda Blasco Martel

2007-12-01

En los orígenes del sistema financiero, cuando no había un sistema rígido de control legal sobre la actividad bancaria, la rentabilidad del accionista fue el objetivo prioritario frente a los objetivos de solvencia y liquidez.

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

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Muchlis Yahya

2017-03-01

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

Banking in Africa

NARCIS (Netherlands)

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

2014-01-01

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

Banks on Notice

Institute of Scientific and Technical Information of China (English)

无

2009-01-01

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

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

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Galina S. Panova

2016-01-01

Full Text Available The article provides an analysis of the present condition and prospects of development of banks and the banking business in the face of international sanctions. It identifies current trends, problems and the risks of banks and banking in Russia and in the world. Special attention is paid to the analysis of sectoral international sanctions against the Russian banks and the need to minimize negative impact of sanctions on the banking business, both nationally and internationally. Great value in these conditions has the state monetary policy. Anti-crisis policy pursued by the Bank of Russia, in a context of stagnating economy, leads to a reduction in the Russian share in the world economy and increases in the standard of living gap with the developed countries. The article argues that Russia's economic growth opportunities in 2016 are limited by restriction level of bank interest, the high volatility of the exchange rate of the national currency, insufficient development of credit relations, tough, high-budget (at the level of developed Europe tax burden, increasing administrative costs, dramatically increasing the concentration of risks of subjective decisions at the present stage of the electoral cycle. In a situation of uncertainty of predictions regarding the scope and duration of the application of sanctions, the Russian Government and the Central Bank of the Russian Federation had rightly seek to use a combination of anti-sanctions measures of austerity measures on introduction of contra-sanctions to create more comfortable conditions for doing business in Russia and her allies from member countries of Eurasian Economic Union, SCO, BRICS. The article examines the strategic aspects of development banks and banking business in Russia under the new circumstances. Given the practical recommendations on improvement of the development strategy of banks in Russia. The necessity to improve the theoretical, conceptual, methodological, her reasoning

PENGARUH KUALITAS PELAYANAN INTERNET BANKING TERHADAP KEPUASAN DAN LOYALITAS KONSUMEN PADA BANK SWASTA

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Yusnaini -

2012-03-01

Full Text Available Tujuan Penelitian ini adalah untuk mengkaji mutu internet banking terhadap kepuasan pelanggan. Pesertanya sebanyak 145 pelanggan yang biasanya menggunakan internet banking dalam melakukan transaksi pada 5 perbankan di Palembang. Regresi ganda dan sederhana digunakan untuk menguji hipotesis. Hasilnya menunjukkan bahwa kualitas internet banking bisa mempengaruhi kepuasan pelanggan. Dimension of tangible, responsiveness and empathy mempunyai dampak yang signifikan, tetapi tidak berlaku untuk dimension of reliability and assurance.  Penelitian ini juga menemukan bahwa kepuasan pelanggan berdampak signifikan terhadap kesetiaan pelanggan bank. AbstractThis study examines the effects of internet banking quality to the customer satisfaction. A number of 145 customers that use internet banking for their transactions in 5 banks located in Palembang are selected as the data. Multiple and simple regressions are used to investigate hypothesis.The result shows that internet banking quality can influence the customer satisfaction. Dimensions of tangible, responsiveness and empathy have significant effects, but dimension of reliability and assurance are unsignificant. This study also finds that the customer satisfaction has significant effect to the bank customer loyalty. Keywords: internet banking; service quality; customer satisfaction

An Evaluation of Banks' Liability in Robbery Incidents at Banks ...

African Journals Online (AJOL)

The spate of armed robbery attack on banks in the last decade has been alarming. It is hoped with the current Central Bank of Nigeria (CBN) cashless policy there will be a drastic drop in such incidents. However, the issue of armed robbery attack at the bank premises brings to the fore two issues which are of paramount ...

Bank Syariah Sebagai Alternatif

Directory of Open Access Journals (Sweden)

Adang Sudjana

2003-03-01

Full Text Available The principle of not allowing interest practices (riba has saved the Syariah Bank and their customers from the effects of monetary crisis. In view of Islamic Principles, interest is forbidden. Therefore, all transactions of syariah banking are based on sale-purchase pattern. Besides, all good banking aspects as applied in conventional banking such as, 5 Cs (capital, collateral, capacity, character, and condition are also applied properly in the line of ukhrawi aspects in managing fund of syariah banking.  The practice of “mark-up” in project funded by syariah bank seems to be very difficult.

Management of NPA via Capital Adequacy Norms: Its effect upon the profile of Indian banks and credit deposit ratio

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Ramesh Chandra Das

2014-01-01

Full Text Available The reform agenda in the financial as well as banking sector in the Indian economy was not only in the target of achieving profitable banking business but also to reduce the magnitude of banking funds locked in the bad debt account so that, among others, the real delivery of credit (the credit-deposit ratio rises in overall fronts. The Narasimham Committee Report in respect of reducing magnitude of non- performing assets has been framed in line with the Basel Norm regarding the asset quality of the banks where capital adequacy ratio has been fixed for different banks to achieve within different time periods. The present study, under such a back ground, has been structured to examine the profile of all Scheduled Commercial Banks in all ranges of CRAR over time in aggregate and bank group specific and to measure degree of correlation of NPA-Deposit ratio with CRAR trends and Credit-Deposit Ratio in all ranges of CRAR and their significance levels for the time period 1995-96 to 2009-2010. It has been observed that there has been variation across banks in following the guidelines of the reform committee. SBI group and foreign banks have been performing well in this respect. There has been rising trend of the proportions of banks in the above 10 per cent range of CRAR. The NPA/D ratio and C-D ratio have been observed to be positively and negatively correlated respectively for the first three ranges of CRAR and reverse in the above 10 per cent range. The correlation between the NPA/D ratio and C-D ratio is negative and significant.

Nuclear fuel banks

International Nuclear Information System (INIS)

Anon.

2010-01-01

In december 2010 IAEA gave its agreement for the creation of a nuclear fuel bank. This bank will allow IAEA to help member countries that renounce to their own uranium enrichment capacities. This bank located on one or several member countries will belong to IAEA and will be managed by IAEA and its reserve of low enriched uranium will be sufficient to fabricate the fuel for the first load of a 1000 MW PWR. Fund raising has been successful and the running of the bank will have no financial impact on the regular budget of the IAEA. Russia has announced the creation of the first nuclear fuel bank. This bank will be located on the Angarsk site (Siberia) and will be managed by IAEA and will own 120 tonnes of low-enriched uranium fuel (between 2 and 4.95%), this kind of fuel is used in most Russian nuclear power plants. (A.C.)

Excellency in banking services - A new road map for banks in the emerging new competition

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R. K. Uppal

2011-01-01

Full Text Available The widening gap between desirability and availability is becoming a major cause of dissatisfaction in the banking industry. The bridging of this gap is one of the solutions to make the customers delight. The present study analyzes the widening gap between desirability and availabilityregarding reliability, accuracy, confidentiality, flexibility, e-channels, high attention to customers, low service charges and overall satisfaction of customers in three bank groups i.e. public sector banks, Indian private sector banks and foreign banks. The survey was conducted in Chandigarh in the month of October, 2008. Three banks have been selected one each from three bank groups; PNB from public sector banks, HDFC bank from Indian Private Sector banks and Amro bank from foreign banks have been taken for consideration. On the basis of five point Likert type scale, survey concludes that desirability regarding all the parameters is very high as compared to availability of banking servicesand on the basis of this empirical survey, study recommends some measures to bridge this gap between the D/A of service quality parameters in the banking sector in the emerging competition.

A leitura como prática de (resocialização no Sistema Penitenciário Nacional

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Marcio José de Lima Winchuar

2017-08-01

Full Text Available Este trabalho tem como objetivo realizar um levantamento de pesquisas e de políticas que envolvem a leitura no sistema penitenciário nacional, mapeando dissertações e teses de programas de pós-graduação, que tiveram como tema projetos de leitura no cárcere nos últimos dez anos. Para isso, realizamos uma pesquisa no banco de dissertações e teses do Portal da Capes e na Biblioteca Digital Brasileira de Teses e Dissertações. A partir do levantamento de dados, identificamos que trabalhos que envolvem a educação no sistema prisional ainda são poucos, principalmente, relacionados a práticas de leitura. Essa situação pode ser agravada, sobretudo, pela pseudoefetivação de políticas que regem esses contextos. Palavras-chave: Leitura. Sistema Prisional. Humanização. Reading as a practice of reintegration in the National Pententiary System ABSTRACT The objective of this study is to carry out a survey of research and policies that involve reading in the national penitentiary system, mapping of dissertations and postgraduate theses, which have had the subject of reading projects in the last ten years. For this, we conducted a research in the thesis bank of the Cover Portal and the Brazilian Digital Library of Theses and Dissertations. From the data collection, we identified that work involving education in the prison system is still scarce, mainly, related to reading practices. This situation can be aggravated, above all, by the false effectiveness of policies that govern these contexts. Keywords: Reading. Prison System. Humanization; La lectura como práctica de (resocialización en el Sistema Penitenciario Nacional RESUMEN Este trabajo tiene como objetivo realizar un levantamiento de investigaciones y de políticas que involucran la lectura en el sistema penitenciario nacional, mapeando disertaciones y tesis de programas de postgrado, que tuvieron como tema proyectos de lectura en la cárcel en los últimos diez años. Para esto

Analysis on Corporate Governance Influences toward Banking Efficiency with Bank Category as Moderator Variable

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Lidiyawati Lidiyawati

2015-05-01

Full Text Available Corporate governance system of Sharia financial institution that based on Islamic law may result more  variables principles then conventional owns. The restriction of usury are highly speculative transaction, embedded prohibited matter are main features in Sharia business institution. Sharia Supervisory Board, as board that supervises banking practices conforms to Sharia stipulations, hold strong important role within Islamic banking. Both important points above had direct effects on efficiency which attained by Islamic banking compared with conventional banking. This study examines the influence of corporate governance implementation toward efficiency banking sector with bank category as moderator variable. This study hypothesize that corporate governance has significant influences toward bank’s efficiencies, the influence of corporate governance toward Islamic bank efficiencies is higher than conventional bank, and level of Islamicbank efficiencies is higher than conventional bank. Measurement of efficiencies is using Stochastic Frontier Approach program, and then using SPSS in procces hypothetical model. The results of the study do not support the hypothesis. Examined result shows that statically corporate governance is not influenced by bank efficiency achievement. Corporate governance influences over Islamic bank has not show higher significance than conventional and Islamic bank efficiencies remain steady. Data limitations, complexity of the efficiency measures and the complexity of the operation of Islamic banks may explain the finding.

78 FR 34384 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-07

... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in... Johnson Bank as trustee, both of Racine, Wisconsin; to join the existing Johnson Family Control Group and...

What is shadow banking?

NARCIS (Netherlands)

Claessens, S.; Ratnovski, L.

2014-01-01

There is much confusion about what shadow banking is. Some equate it with securitization, others with non-traditional bank activities, and yet others with non-bank lending. Regardless, most think of shadow banking as activities that can create systemic risk. This paper proposes to describe shadow

THE BANKING UNION – THE SOLUTION TO REDUCE THE EUROPEAN BANKING SYSTEM RISKS?

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ALINA LIGIA DUMITRESCU

2014-11-01

Full Text Available The banking union has been seen as "a panacea" for solving the system risks of the EU banking system. This paper objectives are to find out if is the banking union, with is strong and week sides, will be right answer to solve the actual issues that EU banking system has as: the fragmentation in the EU single market, the deterioration in asset quality, the need for recapitalization and the quality of banks’ loan portfolios. According with most of the experts the banking union will strength the process of economic integration. On the other side, the non-euro area member states are questioning about "equal rights and obligations for all Member States" inside the banking union. But, with all pros and cons of the banking union, the ECB's making decisions and tasks can be questioned, although its role of supervisor can not be disputed. The most important thing is that the banking union breaks the vicious circle between banks and sovereign debts, and ends "to big to fail"

Macroeconomic and Bank Specific Determinants of Non-Performing Loans (NPLs in the Indian Banking Sector

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Memdani Laila

2017-08-01

Full Text Available The main objective of the paper is to find out the determinants of NPAs in the Indian Banking sector and to study if these determinants vary across the three different ownership structures viz., public sector banks (PSBs, private banks (PBs and foreign banks (FBs, of banks in India. The panel data for all the banks from 2005 to 2014 is collected from the official website of Reserve Bank of India (RBI, the Central Bank of the country. The econometric technique of Fixed Effects model and Random Effects model is used for the purpose. The results reveal that Macro economic factors, like log of percapita income (LPCY and Inflation (INFN, are significantly affecting NPLs in Public Sector Banks (PSBs. In case of private banks (PBs LPCY is highly significant while bank specific variables like size and total loans to total loans of the banking sector (TLTLBS are significant at 10% level. For FBs none of the variables were significant.

12 CFR 615.5144 - Banks for cooperatives and agricultural credit banks.

Science.gov (United States)

2010-01-01

... such activities constitute a materially important line of business to its members. Also, investments... banks. 615.5144 Section 615.5144 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Investment Management § 615...

Bank Financing for SMEs : Evidence Across Countries and Bank-Ownership Types

NARCIS (Netherlands)

Beck, T.H.L.; Demirgüc-Kunt, A.; Martinez Peria, M.

2009-01-01

Using data for 91 large banks from 45 countries, this paper finds few differences in the extent, type, and pricing of SME loans across foreign, private, and government-owned banks, even though different bank ownership types apply different lending technologies and have different organizational

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...

THE RISE OF MOBILE BANKING

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IMOLA DRIGĂ

2015-12-01

Full Text Available To meet customer’s expectations and needs, electronic banking services have allowed financial transactions to simplify and have increased their attractiveness. Over the past few year, in order to increase customer comfort and maintain profitability, banks around the world have adopted innovative banking technologies and modern e-banking services, such as internet and mobile banking. As a matter of fact, banking over mobile phones is the newest e-banking service with several benefits for both customers and banks. The paper aims to provide an overview of the latest electronic financial channel, underlining various aspects of mobile banking as it represents a key distribution channel for a growing number of customers.

LA EXPANSIÓN TERRITORIAL COMO FACTOR MOTIVADOR DE LA REESTRUCTURACIÓN DEL SISTEMA FINANCIERO ESPAÑOL: EL CASO DE LAS CAJAS DE AHORROS Y LAS COOPERATIVAS DE CRÉDITO / THE TERRITORIAL EXPANSION AS A MOTIVATING FACTOR OF THE RESTRUCTURING OF THE SPANISH FINANCIAL SYSTEM: THE CASE OF SAVING BANKS AND CREDIT COOPERATIVES

Directory of Open Access Journals (Sweden)

Milagros GUTIÉRREZ FERNÁNDEZ

2012-01-01

Full Text Available La actual crisis financiera internacional está actuando como catalizador de un profundo proceso de cambio en el sector bancario español que está afectando también a las entidades de crédito de la Economía Social: cajas de ahorros y cooperativas de crédito. Su modelo de banca “minorista”, centrada en la cercanía al cliente, se ha visto acompañado en los últimos años de un fuerte proceso de expansión geográfica que ha supuesto un sobredimensionamiento de su red de sucursales. Sin embargo, como consecuencia de las actuales circunstancias de la economía española en general, y del sistema bancario en particular, dicha estrategia de desarrollo interno no parece sostenible, siendo necesario que se produzca un redimensionamiento del sector, para ver recuperada la confianza en el sistema y para que éste vuelva a ser considerado como uno de los más solventes del mundo. Bajo este enfoque, el objetivo de este trabajo es analizar las distintas estrategias de expansión territorial desarrolladas por dichas entidades con el objetivo de plasmar su situación actual y comprender por qué es necesaria la reestructuración del sector. Para ello se ha empleado tanto el análisis descriptivo como el econométrico, utilizando en todo momento los datos que presentan la Confederación Española de Cajas de Ahorros (CECA y la Unión Nacional de Cooperativas de Crédito (UNACC en sus anuarios estadísticos. / The current financial international crisis is acting as catalyst of a deep process of change in the Spanish banking sector which is affecting also the credit institutions of the Social Economy: saving banks and credit cooperatives. These entities share a model of "retail" banking, centered on the nearness to the client, that has been accompanied in the last years of a strong process of geographical expansion which has supposed an oversizing of its network of branches. Nevertheless, as a consequence of the current circumstances of the Spanish

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

The effect of quality of electronic banking services on agility of a bank

Directory of Open Access Journals (Sweden)

Hooman Pourmohammad

2016-07-01

Full Text Available Studies have shown that in service organizations, quality can have a growth in customer satisfaction as its consequence, and when it regards the banking services, factors are brought up with regard to the quality of banking services, which include the speed in responding, providing products proportionate to the customer needs, and gaining competence. These concepts are shared by the issue of organizational agility; hence, the qualities as well as the bank's agility of the banking system embrace these concepts in common. Therefore, the study aims at studying the effect of the quality of electronic banking services on the bank's agility, and assesses the role of two mediator variables of the quality of service system and personnel behavior quality. Using a questionnaire comprised of 76 items about the above components and asking the line personnel in Bank Saderat Iran (BSI in the branches both inside and outside of Iran, the research data was collected, and stratified random sampling was used. To analyze the data, the Structural Equation Model (SEM was used and the PLS software was employed to perform the computations. Results indicated that the model of the study has a high Goodness of Fit, and the quality of the electronic banking services had a significant effect on the bank's agility. In addition, the quality of electronic banking services affects the service system quality. The system service quality, also affects the employees' behavior. Therefore, it can be said that the electronic services quality and the bank's agility affect the personnel behavior quality through the mediated effect of the service system quality. The results of the present study can help the bank's executives to promote their bank's agility and the personnel behavior quality.

Are EU Banks Safe?

NARCIS (Netherlands)

R.J. Theissen (Roel)

2013-01-01

markdownabstract__Abstract__ What exactly are the rules banks are subject to, and are they fit for purpose? These are the two questions addressed in this book ‘Are EU banks safe?’ and its descriptive companion book ‘EU banking supervision’. The full rulebook on banks is difficult to find

PELAKSANAAN SHARIA COMPLIANCE PADA BANK SYARIAH (STUDI KASUS PADA BANK SYARIAH MANDIRI, JAKARTA)

OpenAIRE

Ade Sofyan Mulazid

2016-01-01

The Implementation of Sharia Compliance at Islamic Bank (Case Study on Mandiri Syariah Bank, Jakarta). This study is aimed at finding out the controlling system and the implementation of supervision of compliance of Bank Indonesia (BI) and Sharia Supervisory Board toward the Mandiri Syariah Bank; how is the implementation and its internal audit, what are the roles and responsibilities of the director of compliance for all stakeholders of compliance unit of Bank Syariah Mandiri. Th...

The anatomy of bank performance during transition: A separate efficient frontier analysis of Ukrainian banks

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Ihsan Isik

2016-04-01

Full Text Available By drawing on Ukrainian experience, this paper analyzes the anatomy of bank efficiency in a transitional economy. Acknowledging the vast disparities in the business technology of different size banks, in this comprehensive study, we innovatively estimate group-specific (distinct frontiers for small, medium, and large size banks. The results from separate frontiers reveal that Ukrainian banks record 38% technical inefficiency, 26% pure technical inefficiency, and 17% scale inefficiency on average. Apparently, banks in transition waste about the two fifths of their factor inputs during the production of financial services. The cardinal source of sub-performance in transitional banks seems to be managerial inefficiencies. We also found that banks operating in areas with more political influence and more developed infrastructure outperform the banks operating in politically and economically weaker regions. The results also indicate that larger banks, enjoying public trust in a risky business climate, dominate smaller banks in all forms of efficiency. However, such bias for size causes large banks to suffer from decreasing returns to scale and small banks from idle capacity. Consequently, the policies promoting consolidation between small and large banks may alleviate the excess (idle capacity for large (small banks in a transitional economy.

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

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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.

Developing Modernization Strategy for CORE Banking Systems among Iran’s Commercial Banks (Case Study: One of the Commercial Banks of Iran

Directory of Open Access Journals (Sweden)

Ali Rezaeian

2018-03-01

Full Text Available After more than two decades of the emergence of CORE banking systems in Iran, their inefficiency and lack of accountability to the needs of the banks have become evident. Hence, modernization of CORE banking systems is one of the most serious concerns of the banks' managers. All the customers of the banks can access the services of these systems through online and 7*24 channels such as ATMs, PoS and / or Internet. Even the slightest interruption in the provision of these services can because banks face serious crises; therefore, choosing the right strategy for modernization is of utmost importance. The researcher could identify internal and external factors affecting modernization by distributing a questionnaire among banks' senior managers and experts. Afterwards, we used another questionnaire to identify internal and external factors affecting the target bank. Having formed the matrixes of IFE and EFE and completed the questionnaire, the related strengths, weaknesses, opportunities and threats were identified. Strategies were explained based on SWOT method, then the selected strategies were ranked by weighting of the indices with the help of AHP method using QSPM method. Finally, the strategy with the highest rank was determined as the most appropriate strategy for modernization in the target bank.

BANK GUARANTEES

OpenAIRE

Vasile NEME

2012-01-01

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

Adopting Internet Banking in Ghana

OpenAIRE

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

2013-01-01

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

Commercial Activity or Banking Competition?

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Rose-Marie Pușcaciu

2015-12-01

Full Text Available The study analyzes the competition on the banking market and proposes an overview of debt collection companies through the economic crisis which has profoundly affected the banking sector. Article scroll through the main features of competition on the banking market as well as the domain weaknesses that negatively influenced the banking system performance. Even if there is not a sufficiently transparent and functional legal framework and debt recovery market is not supervised enough, it is among the few markets that increase from year to year. Increasing competition from adjacent companies that compete with banks, namely, a non-banking entity, it is stimulating the banking system which will thus become more constructive. It is estimated, that in terms of customers, there will be no differentiation between the banking industry and non-banking entities that will reshape the Romanian banking system soon. Also, the study aims to highlight the existence of debt collection companies, implicitly, the specific markets, it is only a consequence of excessive, unnecessary and dangerous borrowing from previous years. Avoiding bad loans from banks, a fair competition from banks and from non-banking institutions, in the long term, it will generate a balance in the market and it will support economic growth of Romania.

The role of bank collapse on tidal creek ontogeny: A novel process-based model for bank retreat

Science.gov (United States)

Gong, Zheng; Zhao, Kun; Zhang, Changkuan; Dai, Weiqi; Coco, Giovanni; Zhou, Zeng

2018-06-01

Bank retreat in coastal tidal flats plays a primary role on the planimetric shape of tidal creeks and is commonly driven by both flow-induced bank erosion and gravity-induced bank collapse. However, existing modelling studies largely focus on bank erosion and overlook bank collapse. We build a bank retreat model coupling hydrodynamics, bank erosion and bank collapse. To simulate the process of bank collapse, a stress-deformation model is utilized to calculate the stress variation of bank soil after bank erosion, and the Mohr-Coulomb failure criterion is then applied to evaluate the stability of the tidal creek bank. Results show that the bank failure process can be categorized into three stages, i.e., shear failure at the bank toe (stage I), tensile failure on the bank top (stage II), and sectional cracking from the bank top to the toe (stage III). With only bank erosion, the planimetric shapes of tidal creeks are funneled due to the gradually seaward increasing discharge. In contrast to bank erosion, bank collapse is discontinuous, and the contribution of bank collapse to bank retreat can reach 85%, highlighting that the expansion of tidal creeks can be dominated by bank collapse process. The planimetric shapes of tidal creeks are funneled with a much faster expansion rate when bank collapse is considered. Overall, this study makes a further step toward more physical and realistic simulation of bank retreat in estuarine and coastal settings and the developed bank collapse module can be readily included in other morphodynamic models.

Are Foreign Conventional Banks Capable of Adopting Islamic Banking: A Study to Investigate the Issues and Challenges Faced Foreign Islamic Banks in Malaysia.

OpenAIRE

Muhamed Saeed Baashar, Yahya Abd Elwahab

2010-01-01

Malaysia has witnessed a remarkable growth of Islamic banking industry in the last four decades. It has established its first full-fledged Islamic bank, Bank Islam Malaysia, in 1983. Accordingly, Malaysia is one of the first Islamic countries that place a profound focus on the industry of Islamic banking. The world‟s Islamic banking experiment begun in modern era Egypt - in Mit Ghamr – through the establishment of the Savings Bank first in the 1960s by Dr. Ahmed Al-Najjar. Consequently, the I...

Role of Islamic Banking and Conventional Against Poverty with The Dual Banking System

Directory of Open Access Journals (Sweden)

Iwan Setiawan

2016-12-01

Full Text Available Islamic banking in Indonesia is present in a dual banking system. Islamic banking is expected to contribute more in the process of economic development and improving people’s welfare. The  main  objective of  this  study is  to  analyze the  role  of  financing Islamic banking and conventional banking credit to the improvement of people’s welfare as measured by reductions in poverty. The study was conducted using  the explanatory method, applying the  panel  regression estimation techniques simultaneously with the  Two Stage Least Square  method (TSLS  using  data from the period 1992-2012. Results  of the study reveals that the increased of  financing Islamic banking and conventional banking credit assign roles  to poverty reduction in Indonesia. The role of Islamic banking financing is lower  than conventional bank  credit role  in reducing poverty. In addition to improve financing and credit, changes should be applied in the value  of the instruments of monetary policy, economic growth, unequal distribution  of income and  the depreciation  of the local  currency that contribute towards poverty conditions.

Evolution in banking supervision

OpenAIRE

Edward J. Stevens

2000-01-01

Banking supervision must keep pace with technical innovations in the banking industry. The international Basel Committee on Banking Supervision currently is reviewing public comments on its proposed new method for judging whether a bank maintains enough capital to absorb unexpected losses. This Economic Commentary explains how existing standards became obsolete and describes the new plan.

Perceptions Towards On-line Banking Security: An Empirical Investigation of a Developing Country`s Banking Sector, how secure is On-line Banking

OpenAIRE

Bongani Ngwenya; Khanyisa Malufu

2012-01-01

The increase in computer crime has led to scepticism about themove made by the banks to introduce on-line banking. Someview this as a noble move which has made the banking systemmore efficient, reliable and secure, while others view it as arisky and insecure way of banking. The aim of this study wasto assess whether on-line banking in the developing countriesis secure or not. The researcher chose a descriptive-quantitativeresearch design. Data was collected using a self constructedquestionnai...

Back pain and low back pain

International Nuclear Information System (INIS)

Cotta, H.; Niethard, F.U.

1983-01-01

In patients with back pain there is only a poor correlation between clinical and radiological symptoms. Therefore the interpretation of radiological findings is only possible with respect to the natural history of the disease. Indication for radiological examination is given for early diagnosis and treatment of malinformation of the spine; diagnosis and treatment of functional disturbances of the spine with back- and low back pain and diagnosis and treatment of diseases which affect the stability of the vertebrae. (orig.)

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

THE APPLICATION OF RISK BASED BANK RATING ON BANKRUPTCY PREDICTION OF BANKS IN INDONESIA

Directory of Open Access Journals (Sweden)

Evi Sistiyarini

2017-04-01

Full Text Available The increase of banking products and services which is more complex will increase the risk to the banks. Therefore, to anticipate the rise of financial difficulties in a bank, the early warning system. This study aimed to find the influence RBBR (Risk Based Bank Rating ratio’s to predict bankruptcy of conventional Banks in Indonesia. Ratio of RBBR consisted of risk profile, Good Corporate Governance, profitability and capital. Independent variables used were NPL, PDN, LDR, GCG, ROA and NIM, and CAR. Dependent variable was bank bankruptcy using dummy variable. The population of this study was all of the conventional banks in Indonesia. The data was a secondary data taken form financial report of conventional bank 2011-2015. Technical sampling used was a purposive sampling method with some criteria. The analysis of this study used logistic regression.The result of the study showed that NPL, PDN, LDR, GCG, ROA and NIM, and CARhad no significant influence to bankruptcy of the bank.

Operational Efficiency of Bank Loans and Deposits: A Case Study of Vietnamese Banking System

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Tram Nguyen

2018-01-01

Full Text Available This paper examines whether there is a causal relationship between bank loans and deposits in the Vietnamese banking system and the efficiency of the use of loans and deposits by the Vietnamese banks. In a country such as Vietnam, where inter-bank money markets are relatively underdeveloped, one would expect a reasonably strong relationship between deposits and loans. A pooled cross-sectional sample of financial ratios is collected from annual reports of 44 Vietnamese banks covering the period 2008–2015. The explanatory power of instrumental variables in relation to the endogenous variables is tested. A deterministic frontier model based on corrected ordinary least squares, estimated by three-stage least squares on a simultaneous equations model, is employed to derive the frontiers for the sampled banks as well as to estimate the causality between bank loans and deposits. Our findings suggest that, in an underdeveloped banking system such as Vietnam, bank deposits have a positive and significant impact on bank loans, but the reverse relationship is not significant. It is further suggested that in deposit-taking and loan-creating activities, Vietnamese banks performed moderately well over the period examined; however, in the near future, they should start to focus more on deposit-taking activities.

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

Science.gov (United States)

2010-01-01

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

Effects of Ecohydraulic Bank Stabilization Structures on Bank Stability and Macroinvertebrate Community in Surabaya River

Directory of Open Access Journals (Sweden)

Daru Setyo Rini

2018-01-01

Full Text Available There were 18 accelerated erosion sites identified along 7 km of Surabaya River Fishery Sanctuary Area. A model of ecohydraulic bank stabilization was applied to reduce bank erosion in Surabaya River at Gresik Regency Indonesia. The model is combination of reprofiled and revegetated bank with rock toe reinforcement and  addition of log groynes. Various native plant species were planted and naturally grown to establish multi-strata littoral vegetation structure. This study assessed effects of ecohydraulic bank stabilization on bank morphology, near bank velocity and littoral macroinvertebrate community during September 2014 to August 2016. The study found that rock toe enforcement, log groynes and reprofiled bank slope could stabilized the eroded bank, and littoral vegetation formation reduced near bank velocity at restored sites. There were 31 families of macroinvertebrate found in Surabaya River with high abundance of moderately pollution sensitive taxa Atyidae and pollution tolerant taxa Corixidae, Chironomidae and Tubificidae. The taxa richness, diversity index and abundance of sensitive and moderately sensitive macroinvertebrate group were increased after application of ecohydraulic bank stabilization at restored area. The results shown that ecohydraulic bank stabilization structure provides multi-benefits in improving bank stabilization against erosion and providing new micro-habitats for biotic community. Keywords:  ecohydraulic bank stabilization, macroinvertebrates, riparian restoration

12 CFR 987.7 - Liability of Banks, Finance Board, Office of Finance and Federal Reserve Banks.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Liability of Banks, Finance Board, Office of Finance and Federal Reserve Banks. 987.7 Section 987.7 Banks and Banking FEDERAL HOUSING FINANCE BOARD OFFICE OF FINANCE BOOK-ENTRY PROCEDURE FOR CONSOLIDATED OBLIGATIONS § 987.7 Liability of Banks, Finance Board, Office of Finance and Federal Reserve...

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

Directory of Open Access Journals (Sweden)

Masnawati .

2016-04-01

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

Monetary policy, bank size and bank lending: evidence from Australia(new version)

OpenAIRE

liu, luke

2012-01-01

This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of cash rate change on lending of different types of loans. We found the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan.

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.

REFORMING THE EUROPEAN FINANCIAL AND BANKING ARCHITECTURE IN THE CRISIS CONTEXT. THE BANKING UNION CONCEPT

Directory of Open Access Journals (Sweden)

Magdalena, RADULESCU

2014-11-01

Full Text Available Deep financial crisis which started in 2007 proved to be extremely contagious affecting the financial and banking EU system. Achieving an integrated banking market is the main component of the European policy in the financial-banking services area. The latest developments underlined that the difficulties faced by the banks can negatively impact on the entire financial stability of the member states. That's why, the European Central Bank will be entitled to supervise any bank of the euro area, especially the ones that benefit of public support. Reforming the financial and banking system must be shaped in the frame of insuring some durable national finances, of an urgent recapitalizing of the banks that need that and of elaborating some common fiscal and financial and banking regulations effective in the eurozone.

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 emission...

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, join...... 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.......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...

Universal banking and the Nigerian banking sector | Osamwonyi ...

African Journals Online (AJOL)

In this study we propose that there is a positive relationship between the variables (growth, effective customer service, size of a bank) and universal banking in Nigeria. In support of this proposition, we employed empirical evidence in the investigation. From the result, it was discovered that the size (net assets and market ...

Industries and the bank lending effects of bank credit demand and monetary policy in Germany

NARCIS (Netherlands)

Raabe, K.; Arnold, I.J.M.; Kool, C.J.M.

2006-01-01

This paper presents evidence on the industry effects of bank lending in Germany and asks whether bank lending to single industries depends on industry-specific bank credit demand or on monetary policy as determinant of bank credit supply. To this end, we estimate individual bank lending functions

Financial performance after the Spanish banking reforms: A comparative study of 19 commercial banks

Directory of Open Access Journals (Sweden)

Pison F. Irene

2014-06-01

Full Text Available A diagnostic review of the Spanish financial system during the 2008 financial crisis reveals the emergency need for banking reform in the sector. In an attempt to evaluate the impact of the Spanish reform, the present study examines the bank´s performance before/after the reform was adopted, using data of 19 Spanish commercial banks extracted from the Global Vantage research database (Standard and Poor’s over the period 2006 to 2013. This study uses multivariable regression method to investigate the impact of the CAMELS rating system: capital adequacy, asset quality, management quality, liquidity and sensitivity to market risks on the bank´s performance such as earnings efficiency. The time-line of the study is essential because it helps us to determine the financial performance of Spanish commercial banks before the banking reforms during the financial crisis and an important set in terms of mergers and acquisition in the banking industry. The empirical results have found strong and positive evidence that Capital Adequacy, Management Capacity, Liquidity and Sensitivity to Market Risk are useful predictors of banks performance (earnings efficiency, thus, any reform pilot toward this banking indicators will eventually have a positive impact on banking performance. Base on the present study, the Spanish reform was so vital for better banking performance. Therefore, this study serves not only to academics but also to policy makers

Perbandingan NPL, LDR, CAR, ROA, dan BOPO Antara Bank BNI Dan Bank BUMN Lain

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Tri Wahyuningsih

2016-09-01

Full Text Available This study aims to analyze the differences in financial performance of Bank BNI and other BUMN Banks by the measuring the ratio of Non Performing Loan (NPL, Loan to Deposit Ratio (LDR, Adecuacy Capital Ratio (CAR, Return on Assets (ROA and BOPO. The study was conducted by using descriptive analysis method. The results of this study explained that the performance NPL, LDR, and Bank BNI's CAR on average during the past eight semesters was still better than BUMN Banks on average, while the performance of ROA and BOPO remained below the average Revenues and Operating Expenses of Operational Income of  Bank BUMN. The results also showed that all BUMN banks still showed good and healthy performance and in accordance with the provisions set by Bank Indonesia. This study also presented the strategy undertaken by Bank BNI to improve its financial performance, that is, the business synergy of all units unit, growth in good-quality assets, optimization of the customer engagement, strengthening the network and develop alliances, optimization of existing resources and simplification of processes, and enhancing customer experiences through improving processes and business models to  digital banking. Keywords: Non-Performing Loans, Loan to Deposit Ratio, Capital Adequacy Ratio, Return on Assets, Revenues and Operating Expenses of Operational Income, Bank BNI, Bank BUMN.

BANKING SUPERVISION IN EUROPEAN UNION

OpenAIRE

Lavinia Mihaela GUȚU; Vasile ILIE

2013-01-01

The need for prudential supervision imposed to banks by law arises from the action that banking market’s basic factors have. Therefore, it is about banks’ role in economy. The normal functioning of banks in all their important duties maintains the stability of banking system. Further, the stability of the entire economy depends on the stability of the banking system. Under conditions of imbalance regarding treasury or liquidity, banks are faced with unmanageable crisis and the consequences ca...

Modern bank's credit risk

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Šabović Šerif

2015-01-01

Full Text Available Credit risk is the most important risk banks have to face with. It occurs due to an obligation created because of debtors' capital and interest rate nonpayment. Debtors obligations non-fulfilment may lead to great losses and insolvency in bank's business. Credit risk is the crucial reason of bank's insolvency. Over 80% of bank's balance sheet is exposed to credit risk.

NEA data bank

International Nuclear Information System (INIS)

1983-01-01

This paper is an introduction to the NEA data bank. The essential programs and data for nuclear energy calculations are available from the Data Bank. The Data Bank's role, in co-operation with other centers, is to protect the technological capital represented by the programs and data in its collection, which is unique in covering nearly the whole field of reactor physics at a single center (Saclay). The compilation and exchange of experimental and evaluated neutron and other nuclear data is carried out through a world-wide information network. The tasks now assigned to the Data Bank are in the areas of computer program packaging, neutron data compilation, assembly and benchmark testing of the Joint Evaluated File (JEF) of neutron cross-section data, and servicing the NEA scientific committees, as well as providing a computer service to the main NEA secretariat. In all areas the emphasis is on developing a ''value added'' element to the incoming data or computer codes, by validation documentation and presentation of information in a convenient standard form. The services offered by the Data Bank and the computers used by the Data Bank are presented

SUSTENTABILIDADE EM SISTEMAS AGROFLORESTAIS: INDICADORES SOCIOECONÔMICOS

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Omar Daniel

2000-03-01

Full Text Available É ampla a discussão que envolve a importância do enquadramento das atividades de produção em geral, ao conceito de desenvolvimento sustentável. Dentre as atividades agropecuárias, os sistemas agroflorestais (SAF têm sido considerados como sustentáveis, apresentando-se como alternativas aos sistemas intensivos de produção. Para monitorar a sustentabilidade de atividades agropecuárias em geral, incluindo os SAF, diferentes autores enfatizam os indicadores biofísicos, em detrimento dos socioeconômicos. Com o objetivo de definir um rol de indicadores socioeconômicos adaptáveis aos diversos modelos de SAF, desenvolveu-se um estudo consolidado por recomendações de especialistas e ampla revisão de literatura. Concluiu-se que: as categorias relacionadas com a operação dos sistemas comportaram o maior número de indicadores no componente socioeconômico, com maior concentração nas operações endógenas ao sistema, seguidas, de longe, pelos recursos endógenos e exógenos; o maior número de indicadores, sugeridos na categoria operação do sistema, deu-se nos descritores saúde e nutrição, empregos, habitação e saneamento básico e análise econômica; na categoria operação de sistemas exógenos, determinou-se maior número de indicadores para os descritores comercialização e infra-estrutura rural; praticamente, não houve diferença entre o número de indicadores obtidos para os sistemas agroflorestais com e sem o componente animal.

Sistemas integrados de gestão empresarial: estudos de casos de implementação de sistemas ERP.

OpenAIRE

Cesar Alexandre de Souza

2000-01-01

Este trabalho é um estudo das características dos sistemas ERP (Enterprise Resource Planning), de seus processos de escolha, implementação e utilização, de seus benefícios, suas desvantagens e de seus possíveis impactos nas organizações. No levantamento bibliográfico, são apresentados conceitos relacionados aos sistemas ERP, bem como uma proposta de modelo de ciclo para estes sistemas, com a finalidade de estudar suas diferentes etapas na empresa, procurando estabelecer em cada uma delas qua...

Performance Based Islamic Performance Index (Study on the Bank Muamalat Indonesia and Bank Syariah Mandiri

Directory of Open Access Journals (Sweden)

Siti Aisjah

2015-09-01

Full Text Available The development of Islamic base banks in Indonesia in recent years show rapid growth. The main challenge for Islamic base banks is how to raise belief from the stakeholders. Stakeholder expectations of the Islamic banks is different from a conventional bank. Since, Islamic banks are built on basic principles of Islamic economics. Therefore, we need a tool to evaluate and measure the performance of Islamic base banks. Islamicity Performance Index is a method which can evaluate the performance of Islamic base banks not only their financial but also justice principles, halal (lawfulness, and tazkiyah (sanctification. There are six financial ratios which are measured from Islamicity Performance Index:profit sharing ratio, zakat performance ratio, equitable distribution ratio, directors-employees welfare ratio, Islamic investment versus non-Islamic investment ratio, Islamic income versus non-Islamic income. This research is intended to figure out the performance of Islamic base Bank in Indonesia based on Islamicity Performance Index. The samples are the Bank Muamalat Indonesia and Bank Syariah Mandiri. Sources of data are the financial reports of Bank Muamalat Indonesia and Bank Syariah Mandiri in 2009–2010 period.The results show that the financial performance of Islamic Base Bank in Indonesia during 2009-2010 period have ”quite satisfactory level of  valuation. However, there are two unsatisfactory ratios. They are zakat performance ratio and director-employee welfare contrast ratio. It shows that zakat issued by the Islamic base bank in Indonesia is still low and the contrast of the director-employee welfare is still huge.

Analisis Perbandingan Kinerja Keuangan Bank Swasta Nasional Dan Bank Pemerintah Yang Terdaftar Di Bursa Efek Indonesia (Bei

Directory of Open Access Journals (Sweden)

Sri Hastuti

2011-10-01

Full Text Available Performance or performance of bank is the image of reached achievement in banking operational in all aspect, covering monetary management of bank and ability of bank’s assets had to yield profit efficiently, so bank can stay and compete in the middle of inflation distortion and policy of Bank Indonesia, hence the bank had to have up to standard performance or performance - condition health of bank determined by Bank Indonesia. This research aim to analyse and prove the difference flattens which isn't it in monetary performance Private National Bank and State Bank pursuant to ratioes of CAMEL. Sampel the used to amount to 12 banks, consist of 9 Private National Bank and 3 taken State Bank pursuant to Purposive Sampling with criterion enlist in Indonesia Stock Exchange (BEI, routine deliver financial statement, period of year 2005-2007.

ANTESEDEN ATTITUDE TOWARDS M-BANKING DAN DAMPAKNYA TERHADAP BEHAVIORAL INTENTION TO ADOPT M-BANKING

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Titon Adrinanto

2016-02-01

Full Text Available The background of this research was m­banking users in Indonesia is still low despite the mobile phone users in developed and developing countries in the world has increased rapidly since 21st century. Some bank companies in Indonesia has been offering m­banking service but the use of m­banking for financial transaction is still low and limited. The objectives of this research was to analyze the antecedents of attitude towards m­banking and its impact on behavioral intention to adopt m­banking. The design of this research applies hypothesis testing. 200 samples selected from prospective user of 3 government bank. The sampling technique was purposive sampling with cross­sectional study. Data analysis used in this research was collected by questionnaire technique with item of statements for each variable. In order to obtain valid and reliable instrument tool, validity and reliability test has been done. The result of this research conclude that there is positive effect perceived usefulness, perceived ease of use, perceived competence, perceived communication, perceived privacy and security, society influence, and facilitating condition on attitude towards m­banking. This study supports that there is positive influence on attitude towards m­banking on behavioral intention to adopt m­banking.

Sistemas integrados de gestión (SIG)

OpenAIRE

García Pantigozo, Manuel; Quispe Atúncar, Carlos; Ráez Guevara, Luis

2014-01-01

La cultura de la normalización es necesaria para competir globalmente, y para esto la ISO ha elaborado una serie de sistemas de gestión orientados a las calidad, medio ambiente, seguridad en el trabajo y recursos humanos, esto significa la necesidad de integrar sistemas mediante el Sistema integrado de Gestión - SIG The culture of standardization is necessary to compete globally, and to this ISO has developed a number of management systems geared to quality, environment, occupational safe...

Importancia del manual de los sistemas contables en el sistema de control interno.

OpenAIRE

Nicolás Valdés Rodríguez

2007-01-01

La dirección administrativa del país en los últimos 3 años ha insistido en la necesidad de profundizar en los mecanismos de control económico –financiero de las entidades, el presente trabajo va dirigido a contribuir en alguna medida a lograr ese propósito. El sistema contable de una Entidad forma parte indisoluble del Sistema de Control Interno de la misma, por la vinculación tan estrecha que existe entre los mismos. El objetivo fundamental del trabajo ”Importancia del Manual de ...

Bank and sovereign debt risk

OpenAIRE

Darracq Paries, Matthieu; Faia, Ester; Rodriguez-Palenzuela, Diego

2013-01-01

Euro area data show a positive connection between sovereign and bank risk, which increases with banks' and sovereign long run fragility. We build a macro model with banks subject to incentive problems and liquidity risk (in the form of liquidity based banks' runs) which provides a link between endogenous bank capital and macro and policy risk. Our banks also invest in risky government bonds used as capital buffer to self-insure against liquidity risk. The model can replicate the positive conn...

Banking towards development: Evidence from the Spanish banking expansion plan

OpenAIRE

Pere Arqué-Castells; Elisabet Viladecans-Marsal

2013-01-01

During the period 1965-1987 Spain was an emerging market in full transition from developing to developed status. During the same period the Spanish banking system underwent an unprecedented episode of expansion growing from 5,000 to over 30,000 bank branches. We examine whether the latter process partly caused the former by focusing on the relationship between branch expansion and entrepreneurship in the wholesale and retail trade industries. To address the non-random allocation of bank branc...

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

OpenAIRE

Muhammad Shakil AHMAD; Shahid RASHID; Muhammad Tahir MASOOD; Ehtesham UL MUJEEB

2011-01-01

This paper has covered the operational issues related to e-banking as well as customer’s perception on usage of e-banking a case study of Askari Bank, Pakistan. 40 staff members and four customers are selected as sample for this study. Both qualitative and quantitative methods are used to present the results. Descriptive statistics is applied to describe the demographic variables while for operational problems correlation was used. Finally cross case analysis present customers’ perception abo...

Bank of China Becomes Banking Partner of Beijing 2008 Olympic Games

Institute of Scientific and Technical Information of China (English)

无

2004-01-01

@@ Beijing Olympic Committee announced recently that Bank of China become a partner of 2008 Olympic Games. Bank of China will provide abundant fund, banking financial products and related services for Beijing 2008 Olympic Games, and Paralympic Games, Beijing Olympic Organizing Committee and China Olympic Committee and China Sports team to participate in 2006 Winter Olympic Games and 2008 Olympic Games.

The Determinants of Banking Performance: Empirical evidence from Tunisian Listed Banks

Directory of Open Access Journals (Sweden)

Khalfaoui Hamdi

2015-06-01

Full Text Available This paper aims to identify the determinants of performance of the Tunisian banking sector. The results found, following an empirical study using panel data of Tunisian banks listed on the stock market over the period 2000-2013, show that credit risk, liquidity, total assets and disclosure of information relating to credit are the main determinants of banking performance.

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

Science.gov (United States)

2010-07-01

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

Nothing special about banks : Competition and bank lending in Britain 1885-1925

NARCIS (Netherlands)

Braggion, Fabio; Dwarkasing, Narly; Moore, Lyndon

2017-01-01

We investigate the impact of increasing bank concentration on bank loan contracts in a lightly regulated environment. This environment allows us to abstract from possible confounding effects of regulation to focus on the “pure” effects of competition on bank lending. We study over 30,000 British

Branch of bank, change of its status and its value in contemporary Czech banking system.

OpenAIRE

Čížek, Martin

2009-01-01

This study concerns view of contemporary branch of bank. It shortly deals with history of bank branch in Czech environment after 1989. Further the study analyses its importance, advantages and disadvantages comparing direct banking - online banking in particular. The key point of the study is to answer the question if there is a future of branch of bank. Whether it will cooperate successfully with internet online channels of communication or it will be superseded by online banking at all.

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

Science.gov (United States)

2013-04-05

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

Domestic Systemically Important Banks: A Quantitative Analysis for the Chinese Banking System

Directory of Open Access Journals (Sweden)

Yibing Chen

2014-01-01

Full Text Available This paper serves as a response to the official assessment approach proposed by Basel Committee to identify domestic systemically important banks (D-SIBs in China. Our analysis presents not only current levels of domestic systemic importance of individual banks but also the changes. We also consider the systemic risk of the whole banking system, by investigating how D-SIBs and non-D-SIBs are correlated before and after the recent financial crises using Copula. We find that the systemic importance of major banks is decreasing, while some banks becoming more systemically important should require tight regulations. D-SIBs as a whole subsystem display stronger correlation with non-D-SIBs than the individual D-SIBs, which alerts the regulatory to pay attention to “too-many-to-fail” problems. Contagion effects between D-SIBs and non-D-SIBs exist during the subprime crisis, but did not exist during the European debt crisis. This yields good signal of a more balanced banking system in China.

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.

PRESENTACIÓN DE LA CARRERA DE INGENIERÍA DE SISTEMAS

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EDGAR SERNA MONTOYA

2009-06-01

Full Text Available En el año 2009 la Facultad cuenta con los siguientes programas activos:* Pregrado en Ingeniería de Sistemas Presencial Registro Calificado Código SNIES 11846 Resolución No. 2293 del 03 de octubre de 2002. Título que otorga: Doble titulación, Ingeniero de Sistemas y Tecnólogo en Sistemas.* Ciclo de Profesionalización para Tecnólogos en Sistemas Presencial Título que otorga: Ingeniero de Sistemas.* Tecnología en Sistemas de Información Presencial Registro Calificado Código SNIES 11850 Título que otorga: Tecnólogo en Sistemas de Información.* Especialización en Gerencia de la Tecnología Presencial Registro Calificado Código SNIES 53168 Título que otorga: Especialista en gerencia de la Tecnología.

Customer loyalty in Internet banking

OpenAIRE

Eriksson, M.; Schuster, C.

2008-01-01

In the recent years the way to do banking has changed. Internet banking has grown and a lot of niche banks working mainly with the Internet as a medium has entered the Swedish bank market. How to keep the customer loyal online in a very competitive environment has become a main question for the banks. The aim of this dissertation is to test what factors impact bank customer loyalty in an online environment. A positivistic research philosophy, a deductive research approach, an explanatory pur...

Iceland's meltdown: the rise and fall of international banking in the North Atlantic

Directory of Open Access Journals (Sweden)

Robert H. Wade

2011-01-01

Full Text Available This paper shows how rapid privatization and liberalization of Iceland's small local banks around 2000, combined with well-developed crony relations among the elite, enabled a small group of financiers to leverage government-guaranteed deposits into a vast wave of mergers and acquisitions abroad, and redistribute enough of the profits back home to make the economy boom. Negative policy feedback loops were systematically undermined. The incoming left-wing government, with IMF support, has managed to protect the bulk of the population from the worst of the effects.

Sistemas Axiológicos del siglo XXI: Un collage. El declive de los sistemas axiológicos de creencias y la coexistencia de creencias variopintas en el mercado espiritual - DOI: 10.5752/P.2175-5841.2012v10n28p1295

Directory of Open Access Journals (Sweden)

Queralt Prat-i-Pubill

2012-12-01

Full Text Available (Axiological Systems in the XXI century: A Collage. The downfall of axiological systems based on beliefs and the co-existence of varied beliefs in the spiritual market - DOI – 10.5752/P.2175-5841.2012v10n28p1295ResumenPretendemos mostrar como los sistemas axiológicos de creencias provenientes de las religiones no están vigentes en la actualidad. Para ello mostramos algunos datos del Banco Mundial que muestran como los sistemas heterónomos de creencias no funcionan como orientadores de la vida personal y social del individuo. También facilitamos información sobre la disminución de los que se autoadscriben como pertenecientes a un sistema de creencias y además demostramos mediante las estadísticas que no existe relación entre autoadscribirse como miembro de un sistema de creencias y  mantener unas determinadas creencias.   Clarificamos la noción de creencia comúnmente utilizada como supuesto acrítico y otros usos del lenguaje corriente y del lenguaje científico. Utilizamos estadísticas de Catalunya, España, y de algunos países de Europa y América. Concluimos que si los sistemas axiológicos de los individuos no vienen determinados por las religiones, entonces ¿qué sistemas axiológicos tenemos que sean capaces de cohesionar y motivar los individuos hacia fines valiosos comunes?Palabras clave: Sistemas Axiológicos. Creencias. Religión.  Cualidad humana. Estadísticas. España católica Abstract We aim at showing why axiological systems coming from religion are not operative currently. To do this we show World Bank data where it is manifested that heteronomous systems of beliefs are not in force to orient the personal and social life of the individuals. We also communicate the declining numbers of those that register themselves as believers and we also reveal that there is no relationship between registering oneself as a believer in an axiological system and effectively holding and “believing” the beliefs of that

Measuring brand equity in banking industry: A case study of Mellat Bank

Directory of Open Access Journals (Sweden)

Maryam Nadernezhad

2013-08-01

Full Text Available This study examines the influencing factors on brand equity in banking industry. The proposed study designs a questionnaire consists of 16 questions for measuring brand loyalty, brand awareness, brand compatibility and perceived quality in one of Iranian banks named Mellat Bank. Using a descriptive and non-experimental study, the proposed study gathers data and analyze them using t-student test. The results indicate that three components including brand loyalty, brand awareness and brand equity compatibility on brand equity of Mellat bank branches in Mazandaran province are in desirable level but the effect of perceived quality indicator on brand equity of Mellat Bank is not desirable. The study provides necessary suggestions to improve the quality of services for the proposed case study.

PENGARUH RASIO KESEHATAN BANK TERHADAP KINERJA KEUANGAN BANK SYARIAH PERIODE 2010-2013

Directory of Open Access Journals (Sweden)

Iwan Fakhruddin

2015-09-01

Full Text Available The research was aimed to analyze the effect of risk base bank ratio to the financial performance of syariah bank listed in Central Bank of Indonesia. The population covered all syariah Bank and the sample was 11 syariah Bank. Then, the data analyze through double regression. The research showed that Capital Adequacy Ratio (CAR, Non Performing Ratio (NPF, Operational efficiency Ratio (OER, Financing to Deposit Ratio (FDR, Quality of Productive Active (KAP effected simultaneously to Return of Asset (ROA. CAR variable had positive and significant effects to ROA. NPF contributed negative and significant effects to ROA. OER comprised negative and significant effect to ROA. FDR had positive and significant effect to ROA. KAP got negative and significant effect to ROA.

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.

Bank of China Becomes Banking Partner of Beijing 2008 Olympic Games

Institute of Scientific and Technical Information of China (English)

无

2004-01-01

　　Beijing Olympic Committee announced recently that Bank of China become a partner of 2008 Olympic Games. Bank of China will provide abundant fund, banking financial products and related services for Beijing 2008 Olympic Games, and Paralympic Games, Beijing Olympic Organizing Committee and China Olympic Committee and China Sports team to participate in 2006 Winter Olympic Games and 2008 Olympic Games.……

Construindo um modelo de sistema de cuidados Construyendo un modelo de sistema de cuidados Developing an explanatory theoretical model of system of care

Directory of Open Access Journals (Sweden)

Alacoque Lorenzini Erdmann

2007-06-01

Full Text Available OBJETIVO: Construir um modelo teórico explicativo de Sistema de Cuidados. METODO: Estudo exploratório qualitativo apoiado nos pressupostos da Grounded Theory. Participaram do estudo 15 profissionais e os dados foram coletados por entrevista aberta. RESULTADOS: O Modelo teórico foi delimitado a partir do fenômeno Construindo o Sistema Complexo de Cuidados determinado pelas categorias: Convivendo com a dinamicidade do sistema de cuidados e Organizando o sistema de cuidados a partir de múltiplas interações. CONCLUSÃO: O modelo de sistema de cuidados apresentou-se como sistema vital e dinâmico construído a partir de redes interacionais de vários saberes do agir humano expresso pelo trabalho compartilhado, multidisciplinar e em equipe.OBJETIVO: Construir un modelo teórico explicativo de Sistema de Cuidados. MÉTODO: Se trata de un estudio cualitativo exploratorio apoyado en las premisas de la Teoría Fundamentada en los Datos. Participaron del estudio 15 profesionales. Los datos fueron recolectados por medio de una entrevista abierta. RESULTADOS: El modelo teórico se delimitó al fenómeno Construyendo el Sistema Complejo de Cuidados determinado por las categorías: Viviendo junto con la dinamicidad del sistema de cuidados y Organizando el sistema de cuidados a partir de interacciones múltiples. CONCLUSIÓN: El modelo de sistema de cuidados se presenta como un sistema vital y dinámico construido a partir de redes de interacción de conocimientos del actuar humano expresado en el trabajo conjunto, multidisciplinario y en equipo.OBJECTIVE: To develop an explanatory theoretical model of the system of care. METHOD: Grounded theory served as the conceptual framework to conduct this qualitative exploratory study. Unstructured interviews were conducted among 15 care professionals. RESULTS: The theoretical model was delimited from the phenomenon "building complex system of care" as determined by the following categories: "dealing with a

Credit Risk Management in Banking Institutions: Comparison between Chinese Banks and UK Banks

OpenAIRE

YU, LIN

2009-01-01

The recent international financial market turmoil has a great effect on the banking industry; accordingly it is very necessary to investigate the topic of the credit risk management. This paper mainly discusses the importance, current situation, ways and guidelines of the credit risk management for the banking industry. A large number of literatures are integrated in order to illustrate and explain recent developments in both methods and principles of credit risk management. Meanwhile, some e...

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

International Nuclear Information System (INIS)

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

2013-01-01

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

Banking crises : A review

NARCIS (Netherlands)

Laeven, L.

2011-01-01

This review surveys the theoretical and empirical literature on the causes and consequences of banking crises, and summarizes the lessons learned from policy interventions to resolve banking crises. Despite their different origins, banking crises display similar patterns. Their causes lie in

78 FR 20919 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-04-08

... the Citizens Bank and Trust, both in Jackson, Kentucky, and Farmers Deposit Bank, Middleburg, Kentucky.... Board of Governors of the Federal Reserve System, April 3, 2013. Michael J. Lewandowski, Assistant...

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

OpenAIRE

Teodora Barbu; Georgeta Vintila

2007-01-01

The diversity of national banking systems in the European banking system and the absence of consolidated supervision creates the premises for a series of interrogations whose essence is the same: Is it possible to discuss about a Pan European Banking System? The starting point in answering this question was the efforts to create a single banking market, which took place in 1973-1999, and the impact of integration on the European Banking Industry. Among the most representative aspects, it must...

The impact of the recent banking crisis on customer loyalty in the banking sector

DEFF Research Database (Denmark)

Skowron, Lukasz; Kristensen, Kai

2012-01-01

. The second part of the paper demonstrates statistical analysis of the obtained data from the Polish and European banking sector. The authors also present socio-demographic characteristic of the research samples and the character of the bank-client relations, comparative analysis of customer satisfaction...... and loyalty levels than clients of banks in Western Europe. Second, the recent banking crisis has affected the level of customer satisfaction much more strongly in developing European countries than in developed ones. Third, the recent banking crisis has changed the character of the process of building...... customer satisfaction and loyalty in Poland by strengthening the influence of the image area. Originality/value – Hardly anyone has tried to measure the influence of the banking crises at the level of customers’ satisfaction and the structure of the process of building long-term relations between banks...

Revisão de modelos matemáticos da dinâmica do banco de sementes de plantas daninhas em agrossistemas Review of mathematical models of weed seed bank dynamics

Directory of Open Access Journals (Sweden)

L.S. Vismara

2007-03-01

Full Text Available O crescimento das plantas obedece a certos princípios fisiológicos, que podem ser descritos em termos quantitativos, até certo ponto, por equações matemáticas. No ambiente agrícola, a dinâmica do banco de sementes está fortemente relacionada ao estabelecimento de espécies daninhas e pode ser descrita por um sistema de equações que relaciona a densidade de plântulas com a densidade de sementes produzidas em áreas de cultivo. O objetivo deste artigo foi descrever, através de modelos matemáticos citados na literatura, as características do comportamento dinâmico do banco de sementes de populações de plantas daninhas em sistemas agrícolas.Plant growth follows certain physiological principles that can be quantitatively described, up to a certain extent, by mathematical equations. In agrosystems, seed bank dynamics is strongly related to the establishment of weed species and can be described as a system of equations that relates seedling density with the density of seeds produced in cultivation areas. The objective of this work is to describe, using mathematical models cited in the literature, the characteristics of the dynamic behavior of weed seed bank populations in agrosystems.

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

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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.

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

Science.gov (United States)

2012-06-14

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

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

RELIGION AND BANKING SYSTEM: THE FUTURE OF SYARIAH BANKING PRACTICES Historical and Contemporary Fiqh Perspectives

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Hamka Siregar

2014-12-01

Full Text Available The momentum of the development of Sharia banking has been noticed since the 1970s, which generally had two patterns: first, establishing the Islamic bank side by side with conventional one (dual-banking system as practiced in Egypt, Malaysia, Saudi Arabia, Jordan, Kuwait, Bahrain, and Bangladesh; and second, restructuring the banking system as a whole in accordance with Islamic Sharia (full-fledged Islamic financial system as applied in Sudan, Iran and Pakistan. The development of the Sharia-based banks which have been established across the world since the 1970s, became the motivation of the Indonesian ulemas to draft law on Sharia banking, so that Sharia banking could also be developed. As a result, these last few years, the banking world in Indonesia has witnessed the establishment of the public Sharia banks and Sharia business units, like Bank Muamalat and Bank Syariah Mandiri to mention a few. Using historical and contemporary jurisprudence perspective, this paper provides discussion on the future of Sharia banking.

Mobile banking in Asia

OpenAIRE

Anne Ho

2010-01-01

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

Using Banks: Teaching Banking Skills to Low-Income Consumers.

Science.gov (United States)

Shurtz, Mary Ann; LeFlore, Ann Becker

This module, one of six on teaching consumer matters to low-income adults, discusses banking skills. Topics include banking services (savings accounts, safety deposit boxes, Christmas clubs, loans, etc.), checking accounts (deposits, checkwriting, check registers, opening an account), how to use the check register (cancelled checks, deposits),…

BANKING SUPERVISION IN EUROPEAN UNION

Directory of Open Access Journals (Sweden)

Lavinia Mihaela GUȚU

2013-10-01

Full Text Available The need for prudential supervision imposed to banks by law arises from the action that banking market’s basic factors have. Therefore, it is about banks’ role in economy. The normal functioning of banks in all their important duties maintains the stability of banking system. Further, the stability of the entire economy depends on the stability of the banking system. Under conditions of imbalance regarding treasury or liquidity, banks are faced with unmanageable crisis and the consequences can be fatal. To ensure long-term stability of the banking system, supervisory regulations were constituted in order to prevent banks focusing on achieving rapidly high profits and protect the interests of depositors. Starting from this point, this paper will carry out a study on existing models of supervision in the European Union’s Member States. A comparison between them will support identifying the advantages and disadvantages of each of them.

BANK RATING. A COMPARATIVE ANALYSIS

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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.

Bank equity connections, intellectual property protection and enterprise innovation – A bank ownership perspective

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Xing Liu

2016-09-01

Full Text Available This study investigates the effects of bank equity connections and intellectual property protection on enterprises’ innovation behavior, and the regulating effect of intellectual property protection on the relationship between bank equity connections and innovation. In general, bank equity connections and intellectual property protection not only significantly increase innovation input, but also improve innovation performance. However, the efficiency of bank equity connections is influenced by the heterogeneity of enterprises and the value orientation of the subjects. Bank equity connections have a more significantly positive effect on innovation in private and central enterprises, whereas the principal-agent problem and government intervention may weaken the marginal contribution of bank equity connections to the innovation of local state-owned enterprises. Bank equity connections and intellectual property protection are complementary in promoting enterprise innovation. Not only are the combined effects of bank equity connections and intellectual property protection greater than the individual effects, but when the latter is relatively weak, the former’s positive effect on innovation is obviously weakened and may even crowd out innovation.

The Impacts of Liquidity on Profitability in Banking Sectors of Iraq: A Case of Iraqi Commercial Banks.

OpenAIRE

Sardar Shaker Ibrahim

2017-01-01

This study examines the influence of liquidity on the profitability of Iraqi commercial banks. Five banks based in Iraq namely: North bank, Iraqi Islamic bank, Sumer bank, Dar Es-Salam bank and Babylon bank randomly selected and analyzed for the current study over the period 2005 to 2013. Moreover,  annual reports of these banks have studied and the main ratios of profitability and liquidity were calculated. These reports are available at Iraqi Stock Exchange site. The variables that were ide...

Danske Bank - Imagekrise

OpenAIRE

Agerlin, Anne; Holmqvist, Maja

2014-01-01

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

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......, they have done nothing to curb the risk of relatively risky banks, which presumably pose the greatest threat to financial stability...

76 FR 11781 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2011-03-03

... Bank, both of Hazel Green, Alabama. 3. P. Byron DeFoor, Ooltewah, Tennessee, and Winston A. Porter... indirectly acquire voting shares of Northside Bank, both of Adairsville, Georgia. 4. Michael Hull Erdman...

E-banking services impact and customer satisfaction in selected bank branches in Ibadan metropolis, Oyo state, Nigeria

Directory of Open Access Journals (Sweden)

Haadi Babatunde Asiyanbi

2018-09-01

Full Text Available This study perused the impact of E-banking services on customer satisfaction of selected bank customers in bank branches located in Challenge, Dugbe, Agbeni, Gbagi, Ojoo, and Secretariat districts in Ibadan metropolis. The study employed a cross-sectional survey design and convenience sampling technique. One hundred (100 bank customers were surveyed through a self-report questionnaire. Four research questions and two hypotheses were tested using Pearson correlation analysis and, t-test for independence at p≤ 0.05. The results revealed high utilization of electronic banking products (ATM (98%, internet banking (85%, electronic transfer (97%. Constraints experienced include internet network failure, bank fraud and business loss due to failed e-transactions. Customers were satisfied with e-banking due to its cashless nature, cash accessibility, saves time from bank visitation and seamless transactions. The study exhibited that customers used and were glad with e-banking products. Customers’ segmentation and more investment in e-banking infrastructure were advised for promoting electronic banking services.

Low back pain - acute

Science.gov (United States)

Backache; Low back pain; Lumbar pain; Pain - back; Acute back pain; Back pain - new; Back pain - short-term; Back strain - new ... lower back supports most of your body's weight. Low back pain is the number two reason that Americans see ...

Improving Soil Seed Bank Management.

Science.gov (United States)

Haring, Steven C; Flessner, Michael L

2018-05-08

Problems associated with simplified weed management motivate efforts for diversification. Integrated weed management uses fundamentals of weed biology and applied ecology to provide a framework for diversified weed management programs; the soil seed bank comprises a necessary part of this framework. By targeting seeds, growers can inhibit the propagule pressure on which annual weeds depend for agricultural invasion. Some current management practices affect weed seed banks, such as crop rotation and tillage, but these tools are often used without specific intention to manage weed seeds. Difficulties quantifying the weed seed bank, understanding seed bank phenology, and linking seed banks to emerged weed communities challenge existing soil seed bank management practices. Improved seed bank quantification methods could include DNA profiling of the soil seed bank, mark and recapture, or 3D LIDAR mapping. Successful and sustainable soil seed bank management must constrain functionally diverse and changing weed communities. Harvest weed seed controls represent a step forward, but over-reliance on this singular technique could make it short-lived. Researchers must explore tools inspired by other pest management disciplines, such as gene drives or habitat modification for predatory organisms. Future weed seed bank management will combine multiple complementary practices that enhance diverse agroecosystems. This article is protected by copyright. All rights reserved.

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

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2017-02-01

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

Teoría de sistemas (2008/09)

OpenAIRE

Pla López, Rafael

2008-01-01

Conceptos fundamentales de la Teoría general de sistemas. Nociones básicas de estadística. Modelos cibernéticos. Sistemas caóticos.Asignatura optativa de Ciencias Ambientales. Primer ciclo. Segundo curso. Cuatrimestral: 6 créditos.