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Sample records for backing banks sistema

  1. Monitoring system for individual cells in energy backing banks; Sistema para monitorizar las celdas individuales en bancos de respaldo de energia

    Energy Technology Data Exchange (ETDEWEB)

    Ortega S, Cesar A; Pacheco A, Maria Jojutla; Orozco V, Jaime A; Cristin V, Miguel A [Instituto de Investigaciones Electricas, Cuernavaca, Morelos (Mexico)

    2004-07-01

    The Lead-Acid Batteries (LAB) (or Pb-A) are widely used in the industry to store chemical energy and release it in electricity form. The phenomena that occur inside a LAB - during its charging and discharging cycles - in the long term affect the useful life of the battery. In this sense, diverse investigations around the world have been made; however, these studies have thrown only two conclusions: a) The selection of a suitable charge algorithm can extend the battery useful life. b) A continuous bank monitoring can help to consider the health state of the batteries and to detect the elements of the bank that are about to fail. A lead-acid battery is formed by a set of lead-acid cells connected in series. The higher the cell number, the higher the battery voltage. The LAB that are used to form energy backing banks are extremely delicate devices whose useful life strongly depends on factors such as: operation temperature, discharging rate, charging rate. The LAB are connected, in series, to raise the voltage, or in parallel, to increase the current supplied by the bank. With a combination of arrangements series-parallel it is possible to obtain almost any voltage and current specification. On the other hand, the reliable operation of an arrangement of cells requires that all the elements of this one work correctly. If in a series arrangement a cell fails, the rest stops working which causes maintenance costs, besides reducing the trustworthiness of the backing system. In order to increase the trustworthiness of the LAB cells arrangement, it is necessary an individual and continuous monitoring of the cells. It allows to determine which are those that have a greater fault probability and then, to be able to replace them. Among the main benefits of a battery monitoring system are: the increment of the trustworthiness of the backing system; the cost reduction of the maintenance service; the extension of the useful life of the batteries; the personnel security; the

  2. Monitoring system for individual cells in energy backing banks; Sistema para monitorizar las celdas individuales en bancos de respaldo de energia

    Energy Technology Data Exchange (ETDEWEB)

    Ortega S, Cesar A; Pacheco A, Maria Jojutla; Orozco V, Jaime A; Cristin V, Miguel A [Instituto de Investigaciones Electricas, Cuernavaca, Morelos (Mexico)

    2004-07-01

    The Lead-Acid Batteries (LAB) (or Pb-A) are widely used in the industry to store chemical energy and release it in electricity form. The phenomena that occur inside a LAB - during its charging and discharging cycles - in the long term affect the useful life of the battery. In this sense, diverse investigations around the world have been made; however, these studies have thrown only two conclusions: a) The selection of a suitable charge algorithm can extend the battery useful life. b) A continuous bank monitoring can help to consider the health state of the batteries and to detect the elements of the bank that are about to fail. A lead-acid battery is formed by a set of lead-acid cells connected in series. The higher the cell number, the higher the battery voltage. The LAB that are used to form energy backing banks are extremely delicate devices whose useful life strongly depends on factors such as: operation temperature, discharging rate, charging rate. The LAB are connected, in series, to raise the voltage, or in parallel, to increase the current supplied by the bank. With a combination of arrangements series-parallel it is possible to obtain almost any voltage and current specification. On the other hand, the reliable operation of an arrangement of cells requires that all the elements of this one work correctly. If in a series arrangement a cell fails, the rest stops working which causes maintenance costs, besides reducing the trustworthiness of the backing system. In order to increase the trustworthiness of the LAB cells arrangement, it is necessary an individual and continuous monitoring of the cells. It allows to determine which are those that have a greater fault probability and then, to be able to replace them. Among the main benefits of a battery monitoring system are: the increment of the trustworthiness of the backing system; the cost reduction of the maintenance service; the extension of the useful life of the batteries; the personnel security; the

  3. Back to the Drawing Board for Shenzhen Bank

    Institute of Scientific and Technical Information of China (English)

    REN WEI

    2006-01-01

    @@ On July I8, Shenzhen Development Bank Co Ltd failed to receive an approval from holders of tradable shares to implement its share structure reform, a setback that dims the outlook of the city-level lender. In order to get 68.82 percent of non-tradable stakes listed on the bourse, the Shenzhen bank offered o.o48 yuan (0.6US cents) a share to tradable share owners as compensation. The proposal was opposed by holders representing 37.28 percent of tradable shares, and 23.79 percent abstained. The China Securities Regulatory Commission has stipulated that listed companies cannot implement their share reform plan unless they first secure two-thirds of votes from tradable share owners.

  4. Sistema

    OpenAIRE

    Martín Serrano, Manuel

    1982-01-01

    Los términos "Modelo" y "Sistema" son dos temas escritos por Manuel Martín Serrano para la docencia universitaria. De cada uno de ellos, se ha depositado en E-Prints la versión más difundida. Proporcionan conceptos y categorías que hacen posible la aplicación de las metodologías sistémicas en la investigación de las ciencias sociales. El capítulo "Sistema" incluye los siguientes epígrafes: I. El estudio de la organización y el funcionamiento de los sistemas: 1. Concepto de sistema. 2. Análisi...

  5. 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.

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

    Directory of Open Access Journals (Sweden)

    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.

  7. Emulador d’un sistema eòlic connectat a la xarxa elèctrica amb tecnologia back-to-back de tres nivells

    OpenAIRE

    Calle Prado, Alejandro

    2008-01-01

    El present projecte final de carrera es situa dins de l’àmbit dels convertidors multinivell aplicats a la generació d’energia elèctrica a partir d’energia eòlica, particularment es centra en els convertidors de tres nivells. L’objectiu principal del projecte és aconseguir obtenir un conjunt funcional de dos convertidors de tres nivells connectats en configuració back-to-back, per connectar-los a l’emulador eòlic disponible al PERC (Centre de Recerca en Electrònica de Potència) ...

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

    Directory of Open Access Journals (Sweden)

    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

  9. 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

    Directory of Open Access Journals (Sweden)

    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

  10. Sistema bancario espa??ol: diferencias econ??mico-financieras de los grupos bancarios a trav??s de m??todos estad??sticos = Spanish banking system : economic and financial differencies of the banking groups by statistical methods

    OpenAIRE

    Ferreira Blanco, Mirian

    2014-01-01

    La crisis financiera internacional iniciada ya hace m??s de seis a??os ha llegado a tener unas consecuencias de l??mites insospechados en todo el panorama econ??mico mundial. El sistema bancario espa??ol se ha visto sumergido en una profunda reestructuraci??n y recapitalizaci??n con el fin de estabilizar la econom??a y volver a crear confianza en los inversores. Con el objetivo de analizar si existen diferencias significativas en los diferentes grupos bancarios y comparar como ha variado l...

  11. [Genetic variation and phylogeography of the bank vole (Clethrionomys glareolus, Arvicolinae, Rodentia) in Russia with special reference to the introgression of the mtDNA of a closely related species, red-backed vole (C. rutilus)].

    Science.gov (United States)

    Abramson, N I; Rodchenkova, E N; Kostygov, A Iu

    2009-05-01

    Totally, 294 bank voles (Clethrionomys glareolus) and 18 red-backed voles (C. rutilus) from 62 sites of European Russia were studied. Incomplete sequences (967 bp) of the mitochondrial cytochrome b gene were determined for 93 C. glareolus individuals from 56 sites and 18 C. rutilus individuals from the same habitats. Analysis of the cytochrome b gene variation has demonstrated that practically the entire European part of Russia, Ural, and a considerable part of Western Europe are inhabited by bank voles of the same phylogroup, displaying an extremely low genetic differentiation. Our data suggest that C. glareolus very rapidly colonized over the presently occupied territory in the post-Pleistocene period from no more than two (central European and western European) refugia for ancestral populations with a small efficient size. PCR typing of the mitochondrial cytochrome b gene allowed us to assess the scale of mtDNA introgression from a closely related species, C. rutilus, and to outline the geographical zone of this introgression. Comparison with the red-backed vole haplotypes in the habitats shared by both species favors the hypothesis of an ancient hybridization event (mid-Holocene) and a subsequent introgression. These results suggest that the hybridization took place in the southern and middle Pre-Ural region. PMID:19534420

  12. ENVIRONMENTAL AND FINANCIAL INDICATORS OF THE RETROFIT OF HVAC SYSTEM OF A BANK BRANCH = INDICADORES AMBIENTAIS E FINANCEIROS DO RETROFIT DO SISTEMA DE AR CONDICIONADO DE UMA AGÊNCIA BANCÁRIA

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    Marcio Ferreira de Lima

    2016-09-01

    Full Text Available The purpose of this study was to analyze some environmental and financial indicators of the retrofit installation in the heating, ventilating and air conditioning system (HVAC of a bank branch. The building is located in downtown Florianópolis, SC, Brazil. The replacement of the system occurred in 2012. The method analyzed the results of the year 2013 compared with previous years in the matters of: energy efficiency, mitigation of greenhouse gases (GHG and financial investment analysis. The results were: 24.18% electricity savings and 51.31 tCO2eq mitigation of GHG emissions that are equivalent to planting 536 trees. The financial analysis showed that the retrofit is advantageous with benefit-cost ratio 0.60 and 14.85 years payback period. It was concluded that one year after the implementation of the retrofit was achieved the expected objective, which was to replace the old HVAC system with a new one more energy efficient, reducing energy consumption and the resulting reduction of the environmental impact. = O objetivo deste artigo é analisar alguns indicadores ambientais e financeiros da obra de retrofit do sistema de ar condicionado de uma agência bancária. O edifício está localizado no centro da cidade de Florianópolis, SC. A substituição do sistema ocorreu no ano de 2012. O método analisou os resultados do ano de 2013 em comparação com os anos anteriores quanto aos aspectos de: eficiência energética, mitigação de emissões de gases de efeito estufa (GEE e análise financeira do investimento. Os resultados foram: economia de 24,18% de energia elétrica e mitigação de 51,31 tCO2eq das emissões de GEE que são equivalentes ao plantio de 536 árvores. A análise financeira demonstrou que o retrofit é vantajoso com índice benefício/custo de 0,60 e payback de 14,85 anos. Conclui-se que um ano após a execução da obra de retrofit foi atingido o objetivo esperado, que era substituir o sistema de ar condicionado antigo por um

  13. Evoluzione del sistema bancario e finanziamento dell’economia nel Mezzogiorno (Developments in the Banking Market and Company Financing in the Italian Mezzogiorno

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    Fabio Panetta

    2012-04-01

    Full Text Available In the 1990s the banks established in the Italian South have reduced their cost-income ratios and improved their ability to screen customers, increasing profitability. The spread between the loan rates in the South and North has narrowed substantially. Taking into account differences in the size and industry composition of firms in the two areas, the spread is currently equal to 0.90 percent. The growth of loans in the North has outpaced that in the South, but this divergence is merely a reflection of the greater proportion of new bad loans in relation to total lending in the South. Since the mid-1990s in the South the ratio of loans to local firms to funds raised locally has increased from 75 to 85%. The lower value of the ratio in the South reflects structural features of the Southern economy and the way in which loans are allocated geographically in financial statistics. 

  14. Evoluzione del sistema bancario e finanziamento dell’economia nel Mezzogiorno (Developments in the Banking Market and Company Financing in the Italian Mezzogiorno

    Directory of Open Access Journals (Sweden)

    Fabio Panetta

    2003-06-01

    Full Text Available In the 1990s the banks established in the Italian South have reduced their cost-income ratios and improved their ability to screen customers, increasing profitability. The spread between the loan rates in the South and North has narrowed substantially. Taking into account differences in the size and industry composition of firms in the two areas, the spread is currently equal to 0.90 percent. The growth of loans in the North has outpaced that in the South, but this divergence is merely a reflection of the greater proportion of new bad loans in relation to total lending in the South. Since the mid-1990s in the South the ratio of loans to local firms to funds raised locally has increased from 75 to 85%. The lower value of the ratio in the South reflects structural features of the Southern economy and the way in which loans are allocated geographically in financial statistics.

  15. Pricing Decisions on Inventory Financing of the Banks with Core Enterprises' Buy-back Guarantee%核心企业回购担保下银行的存货质押融资定价决策

    Institute of Scientific and Technical Information of China (English)

    易雪辉; 周宗放

    2011-01-01

    采用剩余产品回购率的大小来刻画供应链的上游核心企业对下游中小企业存货质押融资行为的担保程度,模型化了银行的存货质押融资决策.研究表明,银行的期望利润、存货质押率与核心企业的担保程度成正相关,贷款利率与担保程度无关且固定等于管制利率;并且发现某一程度的担保(对应某一质押率)是合理的.本文的研究为银行要求核心企业提供回购担保以及提供什么程度的担保提供了解释,也为基于期权思想进行中小企业融资金融产品的创新设计提供了启发.%This paper takes the repurchase ratio of surplus products as the index which can depict the degree of the upstream core enterprises' buy-back guarantee against the downstream small and medium-sized enterprises' financing inventory, and model banks' decisions on inventory financing. Studies show that banks' expected profit, the loan-to-value ratio of inventory financing positively correlate to the guarantee degree of core enterprises while the loan ratio is a constant equal to the regular interest rate. The loan-to-value ratio will be the best value when the buy-back ratio is a rational number. This study provides a theoretical explanation to banks' requirements for core enterprises' buy-back guarantee and the degree of their guarantee and also reference for the designing af financial product innovation of small and medium-sized enterprises based on option theory.

  16. Islamic Banking

    OpenAIRE

    BLÁHA, Jakub

    2014-01-01

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

  17. Sistema Solar

    OpenAIRE

    Federación de Asociaciones de Astronomía Cielo de Comellas

    2004-01-01

    Lección sobre el Sistema Solar. Curso de Astronomía Básica, segunda edición, impartido por los miembros de la Federación de Asociaciones de Astronomía Cielo de Comellas. Casa de la Ciencia, sábados, del 24 de septiembre al 22 de octubre de 2011

  18. A Banking System in Transition

    Institute of Scientific and Technical Information of China (English)

    WANG; ZHIPENG

    2002-01-01

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

  19. [Sistema Educativo

    OpenAIRE

    Silva, Bento Duarte da

    1989-01-01

    A consagração na Lei nº 46/86, mais conhecida por Lei de Bases do Sistema Educativo (LBSE), aprovada em Outubro de 1986, da criação dos departamentos regionais de educação (44º - 2) que podem vir a reunir um amplo leque de competências em todos os sectores educativos , de estruturas a nível local que assegurem a interligação do sistema educativo com a comunidade (43º - 2) atribuindo-se especial responsabilidade aos municipios (63º - 2), só por si justifica e torna premente a realização deste ...

  20. Internet Banking

    Directory of Open Access Journals (Sweden)

    Felician ALECU

    2006-01-01

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

  1. Banking Competition and Economic Stability

    OpenAIRE

    Ronald Fischer; Nicolás Inostroza; Felipe J. Ramírez

    2013-01-01

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

  2. L’evoluzione del sistema RTGS italiano e l’impatto sulla domanda di riserve bancarie (The Evolution of the Italian RTGS System and the Impact on Banks' Reserves Demand

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    Giuseppe Maddaloni

    2012-04-01

    Full Text Available Aim of the paper is assessing, from 2001 to 2005, the impact of some changes affecting the Italian payment system on reserves demand and revenues of those banks directly participating in the new BI-REL, the Italian RTGS system. The results of the analysis carried out on 105 banks directly participating in the system show that after the start of Express II, the new security settlement system, the banks held more liquidity reserves for settling securities transactions. The banking system reacted to those changes in a few months' time by raising the liquidity management's efficiency, also thanks to the start of the RTGS system's payment optimisation mechanism. The adjustment process would not only allow the banks to completely offset the effect brought about by Express II but even to improve, although slightly, the liquidity management's efficiency compared to prior to the changes.  JEL Codes: D24;G21;G28; E42Keywords: Bank; Reserves

  3. Bank Customers Management System

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    Ebubeogu Amarachukwu Felix

    2015-08-01

    Full Text Available ABSTRACT The purpose of this project is in partial fulfilment of the requirements of Bachelor of Science Hon in Information Technology. The Design and development of this Bank customers Management system provides a more secured approach in managing bank customers information which strengthens the relationships between banks and their customers by providing the right solutions that uses a multi-level security to improve customer satisfaction. The technology used in developing this project is ASP.NET and the programming language used to develop this project is C and the IDE used is Microsoft Visual Studio 2013 professional in designing the front end while the back end uses Microsoft SQL Server 2012.

  4. Banking Bank Charge Debates Continue

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

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

  5. 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.

  6. Praktek Money Laundering Dalam Hubungannya Dengan Sistem Perbankan Online(Studi Pada PT Bank Sumut)

    OpenAIRE

    Napitupulu, Nancy Andriany

    2016-01-01

    The rapid development on technology nowadays is influencing changes on many sectors, such as banking services and crimes. Banking services and their oroducts are now mostly backed up with Automated Teller Machines (ATMs), phone banking, sms banking and electronic fund transfer. The online banking product aims to assist customers for any banking transaction like depositing, withdrawing and transferring. These benefits of banking services may result negative effects that lead to money launderin...

  7. Banks Sparkle

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  8. Back Home

    Institute of Scientific and Technical Information of China (English)

    1997-01-01

    THE Wuling Mountains in Hunan, Hubei, Sichuan and Guizhou provinces are abundant and beautiful Set in isolation, the Tujia people have lived hvre generation after generation. This is my hometown. In the summer of 1994, I returned home after having left to attend college in Beijing five years before. Homesick loneliness called me back to my home in Shizhu County, Sichuan Province.

  9. 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

    OpenAIRE

    Avila, Luis A.; Enio Marchezan; Sérgio L. de O. Machado; Ricardo P. da Silva

    2000-01-01

    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...

  10. 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

  11. 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 ...

  12. Low back pain - chronic

    Science.gov (United States)

    Nonspecific back pain; Backache - chronic; Lumbar pain - chronic; Pain - back - chronic; Chronic back pain - low ... Low back pain is common. Almost everyone has back pain at some time in their life. Often, the exact cause ...

  13. Desenvolvimento de Sistemas Gastroretentivos

    OpenAIRE

    Bettencourt, Catarina Maria Silveira

    2012-01-01

    Trabalho apresentado à Universidade Fernando Pessoa como parte dos requisitos para obtenção do grau de Mestre em Ciências Farmacêuticas Os sistemas gastroretentivos são formas farmacêuticas de libertação modificada desenhadas com o intuito de prolongarem o seu tempo de residência no trato gastrointestinal superior. Estes sistemas surgiram para preencher lacunas apresentadas pelos sistemas convencionais de libertação modificada. Os sistemas de libertação controlada convencionais não são des...

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

    Directory of Open Access Journals (Sweden)

    ION Gr. IONESCU

    2012-01-01

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

  15. El Sistema's Open Secrets

    Science.gov (United States)

    Booth, Eric

    2011-01-01

    In this article, the author talks about Venezuela's national youth orchestra program called El Sistema whose attributes offer a direct challenge to traditional Western music practices. As U.S. classical music--and all "high arts"--struggle to find relevance to more than the small "arts club" percentage of the U.S. populace, El Sistema proposes…

  16. Back Pain During Pregnancy

    Science.gov (United States)

    ... Education & Events Advocacy For Patients About ACOG Back Pain During Pregnancy Home For Patients Search FAQs Back ... During Pregnancy FAQ115, January 2016 PDF Format Back Pain During Pregnancy Pregnancy What causes back pain during ...

  17. Security and Privacy of Electronic Banking

    Directory of Open Access Journals (Sweden)

    Zachary Bosire Omariba

    2012-07-01

    Full Text Available The internet has played a key role in changing how we interact with other people and how we do business today. As a result of the internet, electronic commerce has emerged, allowing business to more effectively interact with their customers and other corporations inside and outside their industries. One industry that is using this new communication channel to reach its customers is the banking industry. The e-banking system addresses several emerging trends: customers demand for anytime, anywhere service, product time-to-market imperatives and increasingly complex back-office integration challenges. The challenges that oppose electronic banking are concerns of security and privacy of information. This paper will first discuss the drivers of e-banking; secondly, it will talk about the concerns about e-banking from various perspectives. Thirdly, the security and privacy issues will also be discussed, and fourthly the attacks of e-banking with their solutions are discussed.

  18. Supervisory fussy control for an electric generating hybrid system; Control supervisorio difuso para un sistema hibrido de generacion electrica

    Energy Technology Data Exchange (ETDEWEB)

    Lagunas Mendoza, Javier

    2004-11-15

    the fuzzy supervisory controller were compared with a conventional controller. The results shows that the supervisory controller fulfills the three main objectives of the system operation: I) to reduce the fuel consumption of the back-up system, II) to reduce the depth of the discharge of the battery bank, and III) to keep fully charged the battery bank as much as possible in order to make a better use of the available free renewable energy sources. [Spanish] En este trabajo se presenta el desarrollo de un controlador supervisorio difuso para un sistema hibrido de generacion electrica (SHGE). En este trabajo se definio la configuracion y los elementos que componen el SHGE a utilizar, producto de la revision de configuraciones de sistemas hibridos propuestas actualmente. La configuracion del SHGE incluye: arreglos fotovoltaicos y aerogeneradores como fuentes de generacion renovable, una maquina de combustion interna como sistema de respaldo, un banco de baterias como medio de almacenamiento de energia, cargas electricas en corriente alterna y un inversor CD/CA para poder alimentarlas. Tambien a partir de la configuracion propuesta se buscaron y seleccionaron los modelos matematicos de los diferentes elementos del sistema. Se llevo a cabo la validacion de los modelos a traves de la comparacion de la salida contra datos reales obtenidos en un SHGE instalado en Pachuca. Con los modelos se llevo a cabo el desarrollo de un programa de simulacion para un SHGE en Matlab. Se determino la funcion principal del controlador supervisorio dentro del SHGE. La funcion es satisfacer el o los objetivos de operacion del sistema. La filosofia de operacion del controlador supervisorio se definio a partir de la configuracion electrica propuesta y de los objetivos de operacion del sistema. Por lo que respecta al desarrollo del controlador supervisorio, se llevo a cabo una revision de los controladores supervisorios actuales que utilizan alguna tecnica de control inteligente. A partir de

  19. Lithuania : Banking System Assessment

    OpenAIRE

    World Bank

    2009-01-01

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

  20. 12 CFR 619.9140 - Farm Credit bank(s).

    Science.gov (United States)

    2010-01-01

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

  1. 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…

  2. Ist die Bank der Zukunft eine Bank?

    OpenAIRE

    Spremann, Klaus

    1997-01-01

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

  3. Harmonic models of a back-to-back converter in large offshore wind farms compared with measurement data

    DEFF Research Database (Denmark)

    Kocewiak, Lukasz Hubert; Hjerrild, Jesper; Bak, Claus Leth

    2009-01-01

    The offshore wind farm with installed back-to-back power converter in wind turbines is studied. As an example the Burbo Bank offshore wind farm with Siemens Wind Power wind turbines is taken into consideration. The wind farm is simulated in DIgSILENT Power Factory software in order to determine a...... results are compared with measurement data from the Burbo Bank offshore wind farm. The delimitations of both power converter models with referent to harmonic analysis are shown in this paper.......The offshore wind farm with installed back-to-back power converter in wind turbines is studied. As an example the Burbo Bank offshore wind farm with Siemens Wind Power wind turbines is taken into consideration. The wind farm is simulated in DIgSILENT Power Factory software in order to determine...

  4. Sistema detector d'incendis WSN

    OpenAIRE

    Domínguez López, Emiliano

    2012-01-01

    Sistema detector d'incendis aprofitant una xarxa de sensors sense fils (WSN) mitjançant un sistema encastat. Sistema detector de incendios aprovechando una red de sensores inalámbricos (WSN) mediante un sistema empotrado.

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

    Science.gov (United States)

    Banerjee, Madhumita

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

  6. Auzolagun: Crowdfunding sistema baten garapena

    OpenAIRE

    Mendiola Larringan, Ander

    2013-01-01

    Memoria dokumentuan Auzolagun izeneko proiektuaren nondik-norakoak azaltzen dira. Sistema Informatikoko Ingeniaritza Teknikoko ikasketa amaierako proiektu hau, Talaios kooperatibarekin elkarlanean sortu da, helburu nagusitzat euskal komunitatearentzako crowdfunding sistema bat sortzea delarik.

  7. Subjetividad y sistemas funcionales

    OpenAIRE

    Lechner, Norbert

    2012-01-01

    En la reseña de mi libro «Las sombras del mañana» (Ed. Lom, 2002), Juan Jiménez plantea un problema que merece discusión: «¿La subjetividad es algo importante, relevante, crucial para las personas o las sociedades?» Jiménez afirma que la subjetividad puede ser importante para las personas, pero -como la sociedad no estaría compuesta por personas, sino por sistemas funcionales-, no tendría importancia para el funcionamiento de la sociedad. Apoyándose en Luhmann, supone que los sistemas obedece...

  8. Desenvolupament sistema ERP

    OpenAIRE

    Duran Rosich, Antoni

    2016-01-01

    Introducció al desenvolupament d'un ERP. El projecte està centrat en el programa més extens de Planificació de Recursos Empresarials o ERP (de l'anglès Enterprise Resource Planning) de Microsoft. Aquests integren (o pretenen integrar) totes les dades i processos d'una organització en un sistema unificat. Aquest sistema utilitza múltiples components de programari i maquinari per aconseguir la integració. Un component clau de la majoria d' ERP és l'ús d'una base de dades única per emmagatzem...

  9. Back pain and low back pain

    International Nuclear Information System (INIS)

    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.)

  10. El sistema constructivo

    Directory of Open Access Journals (Sweden)

    Leser S., Heinz

    2003-06-01

    Full Text Available Se describe el sistema constructivo de entramado en madera, “plataforma” (platform frame utilizado preferentemente en las construcciones de varios pisos en el campamento minero de Sewell, Chile./The following is a description of the platform frame used in several stories buildings in the mining settlement Sewell, in Chile.

  11. El sistema constructivo

    OpenAIRE

    Leser S., Heinz; Gómez Lerou, Luis; Salomone R., Vanessa

    2003-01-01

    Se describe el sistema constructivo de entramado en madera, “plataforma” (platform frame) utilizado preferentemente en las construcciones de varios pisos en el campamento minero de Sewell, Chile./The following is a description of the platform frame used in several stories buildings in the mining settlement Sewell, in Chile.

  12. Internet Banking System Prototype

    CERN Document Server

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

    2010-01-01

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

  13. Ambiente Java para sistemas embedded

    OpenAIRE

    Silva, Valter Filipe Miranda Castelão da

    2002-01-01

    Os sistemas integrados, ou genericamente os sistemas com reduzida capacidade de processamento e pouca memória, são actualmente sistemas economicamente acessíveis e muito divulgados. Os seus sistemas operativos estão, no entanto, ainda bastante dependentes do hardware o que faz que cada aplicação seja especialmente desenvolvida para cada tipo de sistema. Neste documento discute-se a aplicabilidade de uma máquina virtual Java em equipamentos com estas restrições. É proposta a ...

  14. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

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

  15. E-BANKING- MODERN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    MIRANDA PETRONELLA VLAD

    2009-05-01

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

  16. 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...

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

    OpenAIRE

    Aditya Wardhana

    2015-01-01

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

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

    OpenAIRE

    Sherhan

    2014-01-01

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

  19. Prevent Back Pain

    Science.gov (United States)

    ... Prevent Back Pain Print This Topic En español Prevent Back Pain Browse Sections The Basics Overview Am ... at Risk? 3 of 5 sections Take Action: Prevent Injuries Focus on good posture. Good posture can ...

  20. sistema Web con JSP

    Directory of Open Access Journals (Sweden)

    César Viloria Núñez

    2014-01-01

    Full Text Available Este artículo presenta el desarrollo de un sistema de información que permite la adquisición y la administración de información relacionada con los signos vitales como la presión arterial, la frecuencia cardiaca y respiratoria, y la saturación de oxígeno en la sangre de un paciente. La implementación del sistema se basa en una solución Web, permitiendo así que médicos especialistas puedan monitorear a sus pacientes desde cualquier punto conectado a la red en tiempo real y, al mismo tiempo, dar indicaciones críticas al personal médico que se encuentra en el lugar con el paciente.

  1. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

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

  2. Selling Failed Banks

    OpenAIRE

    Joao Granja; Gregor Matvos; Amit Seru

    2014-01-01

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

  3. Banking service in Germany

    Institute of Scientific and Technical Information of China (English)

    余璐

    2014-01-01

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

  4. Banking Around the World

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

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

  5. Oman; Banking Sector Resilience

    OpenAIRE

    Ananthakrishnan Prasad; Pierluigi Bologna

    2010-01-01

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

  6. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

    The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervisioncan be "outsourced" in an open economy with substantial foreign direct investment (FDI)in the banking sector if political...... the feasibility of, and constraints on, outsourcing of central bank functions. A brief discussion of the Argentinian experience is used for contrast.Key words: Currency Board, Foreign Banks, Supervision, Regional Integration,outsourcing....

  7. Sistemas Silvipastoris Silvipastoral Systems

    Directory of Open Access Journals (Sweden)

    Fernando Salgado Bernardino

    2010-02-01

    Full Text Available

    Apesar das pesquisas com sistemas silvipastoris terem sido iniciadas no final da década de 1970, as informações geradas até hoje não são em grande número. As vantagens advindas de um sistema silvipastoril são inúmeras e devidamente reconhecidas. Pelo fato de ser uma técnica de uso da terra capaz de recuperar ecossistemas alterados pelo mau manejo, estes sistemas, pela integração de atividades agrícolas, pecuárias e silviculturais, passam a representar uma tecnologia que confere maior sustentabilidade que os sistemas tradicionais, nos quais os monocultivos são predominantes. Nos últimos anos, instituições de ensino, pesquisa e extensão do País têm se voltado para o desenvolvimento de tais sistemas. O governo de Minas Gerais, por meio de sua Secretaria de Estado de Agricultura e de órgãos vinculados, vem promovendo a condução de modelos agrossilvipastoris num processo integrado de ocupação do solo, denominado lavoura-pecuária-silvicultura. Apesar dos grandes avanços no conhecimento de culturas anuais e dos componentes arbóreos, principalmente o eucalipto, e de gramíneas forrageiras tolerantes à diminuição da intensidade luminosa, ainda é necessário se comnhecer melhor o manejo do sub-bosque sob os efeitos do pastejo.

     

    doi: 10.4336/2009.pfb.60.77

    Although researches related to silvopastoral systems have been initiated many years ago in Brazil, there are few informations generated until now. The advantages from a silvopastoral system are inumerous and well recognized. By the fact of being a technique of land using capable of recovering several disturbed ecosystems, the silvopastoral systems by the integration of agricultural, cattle, and silvicultural activities represent a technology that can achieve higher sustainability than the traditional systems as the monocultures. Today, research centers in Brazil dedicate great attention to agrossilvopastoral systems. The government of Minas Gerais

  8. Desarrollo de sistemas inteligentes aplicados a redes eléctricas industriales

    OpenAIRE

    Krapf, Andrés; Casali, Ana

    2007-01-01

    Este trabajo sintetiza el desarrollo de un Sistema Inteligente de Control (SIC) para la Automatización de Sistemas Eléctricos de Potencia (SEPs) del tipo industrial. Las tareas automatizadas son detección y aislación de fallas, y automatización de métodos de back-up que soporten posibles pérdidas de integridad en los componentes involucrados. Para este sistema se propone una arquitectura multiagente altamente escalable y flexible, y se describen los agentes necesarios para realizar las distin...

  9. Sistemas de software distribuidos : Experiencias

    OpenAIRE

    Pesado, Patricia Mabel; Ramón, Hugo Dionisio; Thomas, Pablo Javier; Boracchia, Marcos; Bertone, Rodolfo Alfredo; Ibañez, Eduardo; Estrebou, César Armando; Marrero, Luciano; Delía, Lisandro; Galdámez, Nicolás; Cáseres, Germán

    2011-01-01

    Se presenta una línea de investigación y desarrollo, que tiene por objeto estudiar temas relacionados con aspectos de Ingeniería de Software orientados al desarrollo e implementación de proyectos concretos de Sistemas Distribuidos, en particular Sistemas Distribuidos con restricciones de Tiempo Real, Sistemas Web y Sistemas Sensibles al Contexto, considerando las extensiones necesarias en las metodologías y herramientas clásicas. En este sentido se trabaja en aspectos de la Ingeniería de Soft...

  10. Mobile banking: near future of banking

    OpenAIRE

    Gentiana Gjino; Orkida Ilollari (Findiku)

    2014-01-01

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

  11. Harmonic models of a back-to-back converter in large offshore wind farms compared with measurement data

    OpenAIRE

    Kocewiak, Lukasz Hubert; Hjerrild, Jesper; Bak, Claus Leth

    2009-01-01

    The offshore wind farm with installed back-to-back power converter in wind turbines is studied. As an example the Burbo Bank offshore wind farm with Siemens Wind Power wind turbines is taken into consideration. The wind farm is simulated in DIgSILENT Power Factory software in order to determine and assess harmonic emission in the point of common coupling. Different modelling methods of power electronic devices installed in wind turbines are presented. Harmonic load flow analysis and impedance...

  12. Controlabilidad de Sistemas Bilineales en el Plano

    OpenAIRE

    Laura Guarachi, Leonardo Ramiro

    2012-01-01

    El objeto principal de este trabajo son los sistemas de ecuaciones diferenciales que dependen de un parámetro u, control del sistema, tales sistemas se llaman sistemas de ecuaciones diferenciales controlables, los cuales, en general, describen procesos dinámicos de fenómenos físicos. Estos procesos se describen mediante sistemas de ecuaciones diferenciales ordinarios (EDO), ecuaciones en diferencias o a través de ecuaciones derivadas parciales. Una clase de sistemas de mucha im...

  13. Sistema Brain Computer Interface

    OpenAIRE

    Martín Barraza, Juan Ignacio

    2015-01-01

    En este trabajo de final de grado se realizará una aplicación de un sistema Brain Computer Interface en el cual, a partir del dipositivo Mind Wave de la compañía Neurosky, se pretenderá controlar el prototipo de una mano humana. Esta será controlada a partir de las ondas cerebrales medidas por el sensor que el dispositivo dispone. A continuación, la información captada por nuestro medidor de señales de electroencefalográficas será enviada por radiofrecuencia a un stick USB que viene incorpora...

  14. Sistemas constructivos industrializados

    Directory of Open Access Journals (Sweden)

    del Águila, Alfonso

    1996-12-01

    Full Text Available The present article summarizes the main points discussed in three Innovator Buildings Systems sessions, which are about different subjects of Industrialized Building. The first part is about the topic of concrete panels, applied to building flats basically. It is given a historical summary and the general concepts, ending with "INDAGSA BUILDING SYSTEM", which is running several promotions with in Madrid. In the second part it is developed the subject of building with boxes, beginning with general points which are extended to the concept of box, its classification, its historical aspects and its applications. It is continues with a description of the "SET HOME SYSTEM" of boxes of concrete, which is dedicated to industrialization of social housing services and equipments. This part ends with the French system "TRANSLOKO" of big light boxes. Lately, it has made a building for laboratories in Madrid. The last part is dedicated to a new subject in Interior Building, which is the Dry Floor, being detailedly described the "PLADUR" point of view about this.

    El presente artículo resume lo tratado en tres jornadas de Sistemas Constructivos Innovadores, relativos a diversos temas de Construcción Industrializada. En la primera parte se trata el tema de los paneles de hormigón aplicados a la edificación, principalmente a viviendas. Se da una síntesis histórica y esquemática de conceptos generales, para terminar con una descripción del Sistema Constructivo INDAGSA que están realizando numerosas promociones en Madrid. La segunda parte, desarrolla el tema de la construcción con módulos tridimensionales, comenzando por unas consideraciones generales que abarcan el concepto de módulo tridimensional, su clasificación, aspectos históricos y campos de aplicación. Se sigue con una descripción del Sistema SET HOME, de módulos tridimensionales de hormigón, dedicado a la industrialización de servicios e instalaciones en vivienda social

  15. Sistemas de autoconsumo fotovoltaico

    OpenAIRE

    Pereira, Carlos Alberto da Conceição

    2015-01-01

    O presente relatório é desenvolvido no âmbito da unidade curricular de estágio do Mestrado em Engenharia Eletrotécnica com especialização em Controlo e Eletrónica Industrial e apresenta o meu trabalho na empresa na qual sou responsável pela parte de projeto, dimensionamento e supervisão de obra de sistemas fotovoltaicos para produção de energia. Os projetos apresentados neste relatório são da minha autoria. A empresa, Critical Kinetics apresenta-se no mercado como Consultores de energia...

  16. Latvian bank analysts strike back at "overheating hysteria" / Gary Peach

    Index Scriptorium Estoniae

    Peach, Gary

    2007-01-01

    Vastukaaluks rahvusvahelisele ajakirjandusele pole Läti kohalike pankade - Parex ja Hansabanka - majandusanalüütikud nii pessimistlikud, prognoosides Läti majandust ja selle võimalikku ülekuumenemist

  17. Nephrolithiasis in "back-to-back" kidneys.

    Science.gov (United States)

    Klaassen, Zachary; King, Ray S; King, Sherita A; Bates, William B; Madi, Rabii

    2013-12-01

    A 57-year-old woman presented with a 1-week history of left lower quadrant pain and nausea and vomiting. Computed tomography without contrast demonstrated a left 2.3-cm calculus at the ureteropelvic junction and a 6-mm lower pole calculus. The kidneys were in the pelvis and oriented "back-to-back," with the lateral portions of the kidneys fused in the midline. To our knowledge, this is the first description of this renal fusion anomaly. The patient underwent robotic pyelolithotomy of the ureteropelvic junction calculus and subsequent flexible ureteroscopic laser lithotripsy of the lower pole calculus and ureteral stent placement through the assistant working port.

  18. Bulgarian banking: looking for sustainability

    Directory of Open Access Journals (Sweden)

    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.

  19. Low back pain.

    OpenAIRE

    Ehrlich, George E.

    2003-01-01

    Low back pain is a leading cause of disability. It occurs in similar proportions in all cultures, interferes with quality of life and work performance, and is the most common reason for medical consultations. Few cases of back pain are due to specific causes; most cases are non-specific. Acute back pain is the most common presentation and is usually self-limiting, lasting less than three months regardless of treatment. Chronic back pain is a more difficult problem, which often has strong psyc...

  20. Low back pain (acute)

    OpenAIRE

    Koes, B; Tulder, van, M.W.

    2011-01-01

    Low back pain is pain, muscle tension, or stiffness, localised below the costal margin and above the inferior gluteal folds, with or without referred or radicular leg pain (sciatica), and is defined as acute when pain persists for less than 12 weeks. Low back pain affects about 70% of people in resource-rich countries at some point.Acute low back pain is usually self-limiting, although 2-7% develop chronic pain. Acute low back pain has a high recurrence rate with less-painful symptoms recu...

  1. Banking Postal Savings Bank in Sight

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

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

  2. Kewenangan Bank Indonesia Dalam Likuiditas Bank Umum

    OpenAIRE

    Silvana R

    2008-01-01

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

  3. FOREIGN BANKS WELCOMED

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

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

  4. 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...

  5. Audit of a bank

    OpenAIRE

    Ambros, Lukáš

    2012-01-01

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

  6. Securitization and Bank Performance

    OpenAIRE

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

    2013-01-01

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

  7. Bank Funding Modes

    OpenAIRE

    Stuart I. Greenbaum; Anjan V. Thakor

    2004-01-01

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

  8. Boards of Banks

    OpenAIRE

    Daniel Ferreira; Tom Kirchmaier; Daniel Metzger

    2011-01-01

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

  9. Early public banks

    OpenAIRE

    Roberds, William; Velde, François R.

    2014-01-01

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

  10. The Shanxi Banks

    OpenAIRE

    Randall Morck; Fan Yang

    2010-01-01

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

  11. Essays on banking

    OpenAIRE

    Mosk, T.C.

    2014-01-01

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

  12. Quality Determinants of Independent Audits of Banks

    Directory of Open Access Journals (Sweden)

    José Alves Dantas

    2015-04-01

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

  13. 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.

  14. Commercial Banking Industry Survey.

    Science.gov (United States)

    Bright Horizons Children's Centers, Cambridge, MA.

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

  15. More Localized Foreign Banks

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

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

  16. Banking on Change

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

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

  17. A BANK MANAGER SPEAKS

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

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

  18. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  19. Essays on banking

    NARCIS (Netherlands)

    Mosk, T.C.

    2014-01-01

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

  20. Macro Stress Testing Framework at the National Bank of Slovakia

    OpenAIRE

    Jan Klacso

    2014-01-01

    This paper describes the current macro stress testing framework at the National Bank of Slovakia. Stress testing is aimed at testing the resilience of the banking sector to negative developments on the financial markets and in the real economy. The paper describes satellite models and assumptions used in the framework. The results of back testing and the most actual results of stress testing are also presented.

  1. Accounting discretion of banks during a financial crisis

    OpenAIRE

    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, especially following the onset of the U.S. mortgage crisis. This suggests that bank balance sheets overvalue real estate related assets during economic slowdowns. Estimated discounts are smaller f...

  2. Sistema Presidencial Mexicano"

    Directory of Open Access Journals (Sweden)

    David Pantoja Morán

    2005-01-01

    Full Text Available En este artículo, el autor aborda el origen doctrinal de las dimensiones institucionales y constitucionales del sistema presidencial-constitucional mexicano para tratar de encontrar ahí los posibles orígenes o explicaciones del éxito o fracaso de este tipo de régimen político. Para ello, se recupera la relevancia y significado de la constitución de 1824 para la vida nacional —desde entonces hasta nuestros días— a fin de comprender muchos de los orígenes de los aciertos y de los errores en el diseño de nuestra constitución vigente así como de la forma presidencial de gobierno, a saber, el principio de legitimidad dual y el de la rigidez o separación rígida de los Poderes.

  3. Market Rower; Banking and Financial Mediation: an Approach from the Industrial Organization

    OpenAIRE

    Guillermo Jopen Sánchez

    2013-01-01

    This article provides an exploratory analysis of the process for determining intermediation margins in the Peruvian banking system. In the period between 2001 and 2010, this process was influenced primarily by two occurrences: the international financial crises towards the end of the 1990s, and the application of the Financial System Consolidation Program (Programa de Consolidación del Sistema Financiero) in Peru. The analysis delivers some evidence that in the case of Peruvian banking, marke...

  4. Las virtudes del sistema binominal

    OpenAIRE

    John M Carey

    2006-01-01

    El sistema único de elecciones legislativas chileno, en el que cada distrito elige a dos representantes (M=2), ha sido objeto de controversia y de propuestas de reforma, ya que fue impuesto por el régimen autoritario saliente en 1990. La mayor parte de ellas aboga por la llamada mayor proporcionalidad. Este ensayo sostiene que, a pesar de sus orígenes no democráticos, el sistema M=2 ha funcionado relativamente bien respecto a los sistemas empleados en muchos otros países. En particular, M=2 e...

  5. Sistema de salud de Chile

    OpenAIRE

    Víctor Becerril-Montekio; Juan de Dios Reyes; Annick Manuel

    2011-01-01

    En este trabajo se describe el sistema de salud de Chile, incluyendo su estructura, financiamiento, beneficiarios y recursos físicos, materiales y humanos de los que dispone. Este sistema está compuesto por dos sectores, público y privado. El sector público está formado por todos los organismos que constituyen el Sistema Nacional de Servicios de Salud y cubre aproximadamente a 70% de la población, incluyendo a los pobres del campo y las ciudades, la clase media baja y los jubilados, así como ...

  6. Sistema polític espanyol: sistema electoral

    OpenAIRE

    Fernández Herrero, Myriam

    2012-01-01

    Materials docents programats mitjançant l'ajut del Servei de Política Lingüística de la Universitat de València. Explicacion de las funciones del sistema electoral en abstracto, de los elementos constitutivos y cómo lo definen. Aplicación al sistema electoral estatal, autonómico, local y europeo

  7. BANKING UNION - ROMANIAN PERSPECTIVE

    Directory of Open Access Journals (Sweden)

    Coroiu Sorina Ioana

    2015-07-01

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

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

    OpenAIRE

    Cargill, Thomas F.

    2006-01-01

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

  9. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

  10. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

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

  11. Lombalgia ocupacional Occupational low back pain

    Directory of Open Access Journals (Sweden)

    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.

  12. Back pain and sports

    Science.gov (United States)

    ... is called core strengthening. Ask your doctor or physical therapist about these strengthening exercises. If you had a ... the stress off your back include: Ask your physical therapist about the best posture and technique for your ...

  13. Medications for back pain

    Science.gov (United States)

    ... You may need to be watched for side effects. NARCOTIC PAIN RELIEVERS Narcotics, also called opioid pain relievers, are ... you sleep. Antidepressants most often used for back pain are: ... include dry mouth, constipation, blurred vision, weight gain, ...

  14. Low Back Pain

    Science.gov (United States)

    ... body in numerous ways, including causing muscle tension. Backpack overload in children : Low back pain unrelated to ... is unusual in pre-teen children. However, a backpack overloaded with schoolbooks and supplies can strain the ...

  15. What Is Back Pain?

    Science.gov (United States)

    ... component. Other diseases. Some types of arthritis and cancer can cause back pain. Your job. If you ... pain. Spinal stenosis. This condition causes the spinal canal to become ... or a nerve root problem called cauda equina syndrome, surgery is needed ...

  16. Customer Experience in Banking Industry

    OpenAIRE

    Michálková, Anna

    2015-01-01

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

  17. Come Back to Me

    OpenAIRE

    Kayser, Heidi

    2016-01-01

    The multifaceted project, Come Back to Me, critiques the current state of image commodification to pose questions about subjectivity constituted through an ever-expanding ecosystem of fashion. As fashion theorist Anne Hollander claims, clothes “share in the perpetually idealizing vision of art,” and therefore merit the same meticulous analysis as painting. The work in Come Back to Me examines the relationship of fashion to the canon of female portraiture. I claim that the bodies of women dep...

  18. Do Foreign Banks Lead in Internet Banking Services?

    Directory of Open Access Journals (Sweden)

    Kooi Guan CHEAH

    2005-01-01

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

  19. Identifying & Classification of Criteria in Choosing a Bank By Customers: Case Study at Bank Mellat

    Directory of Open Access Journals (Sweden)

    Mohammad Ali Haghighi

    2013-09-01

    Full Text Available Abstract: in order to attract the customers, it’s really needed to consider the elements they take in to account in evaluating a company. New banks attempts in stealing the customers from the experienced bank especially in retail banks prove the importance of such topic. The main purpose of this research is to identify the criteria by which a customer chooses a bank in retail banking in competitive market. Doing so, 166 evaluating criteria were extracted using field study, interviews with 43customers, back office and front office in several banks. After reconsidering the criteria by the experts, they were reduced to 50 elements and distributed as a pre-test among 60 customers. After validity and reliability test by "Stage random sampling" and "Cochran method" 669 samples were obtained. 678 questionnaires were confirmed out of 810. In order to identify and analyze these factors, by "factor analysis method", 45 questions were remained, The identified factors are as follows: Employees and trust, Quality and ease of service, Up to date technology and techniques, Physical appearance, Variety of services, investment , credits and loan, cost, reputation, convenience, incentives. Among these factors, employee and trust by 13,317 percent of variance were recognized as most important ones.

  20. 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.

  1. En portada SISTEMA RESPIRATORIO

    Directory of Open Access Journals (Sweden)

    Andrés J. Flores Alés,

    2005-10-01

    Full Text Available La sección “En portada” de este mes está dedicada a los agentes infecciosos y al diagnóstico de algunas de las enfermedades respiratorias más habituales en los animales de compañía, estacando la relevancia adquirida por el diagnóstico mediante la obtención de de imágenes en este campo. También se hace incapie en la actuación que debe llevar a cabo elínico ante una urgencia respiratoria La obtención de imágenes por radiología o endoscopia son dos de las técnicas diagnósticas que más ayudan a dilucidar el proceso respiratorio que sufre un paciente. Sobre el momento en el que se encuentra el diagnóstico por imagen de las patologías del sistema respiratorio en veterinaria nos habla a continuación Andrés J. Flores.

  2. Radiographic Assessment for Back Pain

    Science.gov (United States)

    Radiographic Assessment for Back Pain What are Radiographic Assessments? When Should I get an X-ray for Low Back ... How Effective are X-rays? What are Radiographic Assessments? Radiographic assessments for low back pain involve the ...

  3. Epidural injections for back pain

    Science.gov (United States)

    ESI; Spinal injection for back pain; Back pain injection; Steroid injection - epidural; Steroid injection - back ... pillow under your stomach. If this position causes pain, you either sit up or lie on your ...

  4. Islamic Banking and Finance

    OpenAIRE

    AlFarra, Diaa M. S.

    2015-01-01

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

  5. Method of Banks Valuation

    OpenAIRE

    Eva Horvátová

    2010-01-01

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

  6. Essays on Bank Risk

    OpenAIRE

    Cabiles, Neil Adrian

    2012-01-01

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

  7. Bank Customers Management System

    OpenAIRE

    Ebubeogu Amarachukwu Felix

    2015-01-01

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

  8. Bank Record Processing

    Science.gov (United States)

    1982-01-01

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

  9. Banks on Board

    OpenAIRE

    Jeffrey Fear; Christopher Kobrak

    2007-01-01

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

  10. Agricultural Development Bank Reform

    OpenAIRE

    Seibel, Hans Dieter

    2001-01-01

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

  11. 12 CFR 917.10 - Bank bylaws.

    Science.gov (United States)

    2010-01-01

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

  12. Bank Capital Management

    OpenAIRE

    Jokipii, T.K.

    2009-01-01

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

  13. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  14. The 1994 Economic Crisis and Its Effects On Commercial Banks: An Emprical Investigation

    OpenAIRE

    Ýhsan Ýsik

    2001-01-01

    This paper analyzes the causes and consequences of the 1994 economic crisis. Utilizing Malmquist index, it also examines productivity change in Turkish banks between 1992 and 1996 to explore its effects on banking performance. The pre and post crisis results demonstrate that bank productivity followed a V-shape pattern: hitting a dramatic level in 1994 (-17%) and bouncing back after 1994 (+15%). The major source of the productivity fall was a downward shift in production frontier (technical r...

  15. Corporate Governance Standards and Practices in State Bank of India: An Empirical Study

    OpenAIRE

    Maheshwari, Dr. Meenu; Meena, Sapna

    2014-01-01

    Effective Corporate Governance is important for any company to be successful irrespective of the type of business it does but for bank and financial institutions, Corporate Governance assumes a greater level of importance because firstly effi-cient banks help to create healthy economy as they are back bone of any financial system. Secondly, banks are normally responsible for the funds which they move within an economy as they care the money of their depositors. Responsibility, transparency...

  16. 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

  17. MRI and low back pain

    Science.gov (United States)

    Backache - MRI; Low back pain - MRI; Lumbar pain - MRI; Back strain - MRI; Lumbar radiculopathy - MRI; Herniated intervertebral disk - MRI; Prolapsed intervertebral disk - MRI; Slipped disk - MRI; Ruptured ...

  18. Impact of E-Banking on Traditional Banking Services

    Directory of Open Access Journals (Sweden)

    Shilpan Vyas

    2012-06-01

    Full Text Available Internet banking is changing the banking industry, having the major effects on banking relationships. Banking is now no longer confined to the branches were one has to approach the branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. In true Internet banking, any inquiry or transaction is processed online without any reference to the branch (anywhere banking at any time. Providing Internet banking is increasingly becoming a "need to have" than a "nice to have" service. The net banking, thus, now is more of a norm rather than an exception in many developed countries due to the fact that it is the cheapest way of providing banking services.This research paper will introduce you to e-banking, giving the meaning, functions, types, advantages and limitations of e-banking. It will also show the impact of e-banking on traditional services and finally the result documentation.

  19. Market Rower; Banking and Financial Mediation: an Approach from the Industrial Organization

    Directory of Open Access Journals (Sweden)

    Guillermo Jopen Sánchez

    2013-06-01

    Full Text Available This article provides an exploratory analysis of the process for determining intermediation margins in the Peruvian banking system. In the period between 2001 and 2010, this process was influenced primarily by two occurrences: the international financial crises towards the end of the 1990s, and the application of the Financial System Consolidation Program (Programa de Consolidación del Sistema Financiero in Peru. The analysis delivers some evidence that in the case of Peruvian banking, market power and, specifically, the existence of market power-related inequalities between banks may be relevant factors in the process of determining financial intermediation margins.

  20. Blastomicose do sistema nervoso

    Directory of Open Access Journals (Sweden)

    Horácio M. Canelas

    1951-09-01

    Full Text Available Os autores chamam a atenção sôbre os erros de diagnóstico nos casos de neuroblastomicose, seja nas formas meningoencefálicas, seja nas tumorais. São focalizadas a paracoccidioidose e a criptococose. Depois de caracterizarem clìnicamente a paracoccidioidose, acentuam a raridade das formas nervosas (1,2% dos casos dessa micose autopsiados no Departamento de Anatomia Patológica da Faculdade de Medicina da Universidade de São Paulo. Pela revisão da literatura foi verificado haver apenas 12 casos registrados. 0 caso de Casiello e Klass é o único em que o diagnóstico foi feito em vida; os demais, ou constituem achado de necropsia, ou foram inesperadamente revelados pelo exame histopatológico realizado após intervenções cirúrgicas. Os autores registram 2 casos de paracoccidioidose do sistema nervoso. No primeiro, tratava-se de meningomielorra-diculite crônica, sendo o parasito identificado no escarro; o segundo era portador de síndrome de compressão medular, cuja patogenia é discutida pelos autores, tendo sido a etiologia paracoccidióidica comprovada pelo exame da polpa e biópsia ganglionares. Considerações clínicas sôbre a criptococose precedem o relato de um caso de meningoencefalomielite subaguda, no qual fôra feito em vida o diagnóstico de paracoccidioidose, pelo exame micológico do liqüido cefalorraqueano; êste paciente, embora medicado com doses maciças de sulfa e tiossemicarbarsona, veio a falecer, tendo o exame anátomo-patológico revelado tratar-se, na realidade, de lesões nervosas produzidas pelo Crypíococcus neo-formans. Nos três casos era incisivo o caráter neurocirúrgico da sintomatologia. Entretanto, ante o diagnóstico de paracoccidioidose, foi instituído tratamento pelas sulfas, vacina específica e tiossemicarbarsona. Os resultados foram excelentes no caso 2, em que a terapêutica pôde ser instituída mais precocemente; melhoras também foram obtidas no caso 1. No caso 3, foram verificadas

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

    Directory of Open Access Journals (Sweden)

    Miranda Petronella VLAD

    2012-11-01

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

  2. 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-...

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

    OpenAIRE

    Andrea Repetto; Sergio Rodríguez; Valdés, Rodrigo O.

    2002-01-01

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

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

    OpenAIRE

    World Bank Group

    2016-01-01

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

  5. Acknowledging the back patient

    DEFF Research Database (Denmark)

    Damsgaard, Janne Brammer; Bastrup Jørgensen, Lene; Norlyk, Annelise;

    #296 Acknowledging The Back Patient. A Thematic Synthesis Of Qualitative Research. A Systematic Literature Review. Janne Brammer Damsgaard1, Lene Bastrup Jørgensen1, Annelise Norlyk2, Regner Birkelund3 1. Health, Section for Nursing, Aarhus University & Research Unit, Elective Surgery Centre......, Silkeborg Regional Hospital, Regional Hospital Central Jutland, Silkeborg, Denmark 2. Health, Section for Nursing, Aarhus University, Aarhus, Denmark 3. University of Southern Denmark & Vejle Sygehus, Vejle, Denmark keywords:Back Patient, Narrative, Biomedical, Marginalisation, Self-Identity, Ethical...... to gain a better idea of the most ideal treatment process, it is important to first investigate what it feels like to be a back patient and what patients consider important when dealing with the healthcare system. It is the aim of this qualitative literature review based on thematic synthesis to shed more...

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

    Science.gov (United States)

    2013-02-22

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

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

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

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

  8. Bankininkystės sistema Lietuvoje

    OpenAIRE

    Kasputytė - Šarkauskienė, Vita

    2005-01-01

    Research object – Banking system. Research subject –The institutes of banking system, their briefs and indexs. Research aim – To rate the banking system in Lithuania. Objectives: 1) To analyze the banking system in Lithuania. 2) To survey indexes, which are describing brief of banks. 3) To formulate method of brief analysis.. Research methods – monographical, analysis and synthesis, comparison methods.

  9. Decontamination: back to basics.

    Science.gov (United States)

    Meredith, Susan J; Sjorgen, Geoff

    2008-07-01

    My invitation from this Journal's Editor, Felicia Cox, to provide a paper for this themed issue, included the sentence 'I was wondering if you or a colleague would like to contribute a back to basics article on the relevant standards and guidelines for decontamination, including what is compliance?'. The reason it is so interesting to me is that the term 'back to basics' implies reverting to a simpler time in life - when by just sticking to the rules, life became easier. However, with decontamination this is not actually true.

  10. Bringing "indigenous" ownership back

    DEFF Research Database (Denmark)

    Kragelund, Peter

    2012-01-01

    understanding of how processes of exclusion interact with domestic politics in Zambia. It argues that the Citizens Economic Empowerment Commission, a new institution to bring ownership back to Zambians, builds on a long tradition of nationalist policies in Zambia, while its actual work is strictly related......African economies are currently experiencing an upsurge in foreign ownership of key parts of their economies. This, however, is not new, and in the wake of independence several African countries pursued indigenisation policies to bring ownership back to their own citizens. Now indigenisation...

  11. OKLAHOMA BANK BEHAVIOR AND THE PANIC OF 1907

    Directory of Open Access Journals (Sweden)

    Loren Gatch

    2010-01-01

    Full Text Available While the Panic of 1907 began in New York City, its effects reverberated throughout the United States. This article examines the response of Oklahoma banks to the nationwide restriction of payments beginning in late October of that year. Despite the widespread support of local communities for their banks, Oklahoma institutions cut back on loans and built up their reserves to a greater degree than did country banks nationwide. Of particular concern for Oklahomans in late 1907 was the financing of the cotton crop. Balance sheet evidence suggests that Oklahoma banks in cotton-growing areas reacted more defensively than did banks in wheat-growing areas, where the harvest had already been completed. A multiple regression model exploring changes in Oklahoma bank reserves before and after the Panic not only confirms the relevance of cotton as a factor but also points to bank size, the use of cash substitutes, and political jurisdiction as variables that influenced the extent to which Oklahoma banks increased their reserves in response to the Panic.

  12. The competitive challenge in banking

    NARCIS (Netherlands)

    A.W.A. Boot; A. Schmeits

    2005-01-01

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

  13. Foreign Funds for City Banks

    Institute of Scientific and Technical Information of China (English)

    WANGPEI

    2005-01-01

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

  14. Sistemas de tiempo real y sistemas distribuidos de tiempo real

    OpenAIRE

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

    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...

  15. Sistema de monitorización de sistemas distribuidos

    OpenAIRE

    Vilas Virulegio, Alberto

    2014-01-01

    La computación distribuida ha estado presente desde hace unos cuantos años, pero es quizás en la actualidad cuando está contando con una mayor repercusión. En los últimos años el modelo de computación en la nube (Cloud computing) ha ganado mucha popularidad, prueba de ello es la cantidad de productos existentes. Todo sistema informático requiere ser controlado a través de sistemas de monitorización que permiten conocer el estado del mismo, de tal manera que pueda ser gestionado fácilmente....

  16. 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,

  17. On competition and banking

    NARCIS (Netherlands)

    Toolsema-Veldman, Linda Adriana

    2003-01-01

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

  18. Essays in empirical banking

    NARCIS (Netherlands)

    Bai, Y.

    2015-01-01

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

  19. Innovative strategies of bank

    Directory of Open Access Journals (Sweden)

    G.A Peresadko

    2012-03-01

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

  20. International fuel bank

    International Nuclear Information System (INIS)

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

  1. Optimal Central Bank Transparency

    NARCIS (Netherlands)

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

    2008-01-01

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

  2. Optimal central bank transparency

    NARCIS (Netherlands)

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

    2008-01-01

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

  3. Optimal central bank transparency

    NARCIS (Netherlands)

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

    2010-01-01

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

  4. Banking and trading

    NARCIS (Netherlands)

    A.W.A. Boot; L. Ratnovski

    2013-01-01

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

  5. iBank

    Science.gov (United States)

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

    2012-01-01

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

  6. Banking on Corporate Social Responsibility

    OpenAIRE

    Timothy Rice; Cyril Peter

    2015-01-01

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

  7. GREEN BANKING IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Dumitrascu Mihaela

    2014-07-01

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

  8. Acknowledging the back patient

    DEFF Research Database (Denmark)

    Damsgaard, Janne Brammer; Bastrup, Lene; Norlyk, Annelise;

    and integrate findings of qualitative studies. Results: The analysis reveals that many back patients feel that their experiences and perceptions are ignored by the health professionals, who are often concerned about identifying the cause. This can result in patients feeling mistrusted, marginalised...

  9. Back to Work

    Science.gov (United States)

    Fernandez, Kim

    2010-01-01

    The economic downturn hit working America particularly hard, as agricultural, automotive, manufacturing, and retail jobs in many corners of the country all but evaporated. Consumers continue to cut back, and jobless rates in many states have eclipsed levels not seen in decades. Out of work and under pressure, many Americans are turning to the…

  10. Rect-O-Back

    Directory of Open Access Journals (Sweden)

    Hardik Garg

    2014-10-01

    Full Text Available This document presents an approach towards developing an electronics device and a software application to maintain the correct body posture which is a mobile solution to keep our back strong and healthy. It presents the designing and functioning of equipment and software.

  11. Back to Normal

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    Xinjiang officials speed up the investigation of July 5 riot suspects and restore social order Life in Urumqi has gone back to normal one month after the July 5 riot that killed nearly 200 people in the capital city of China’s northwestern

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

    OpenAIRE

    Bremus, Franziska M.; Lambert, Claudia

    2014-01-01

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

  13. Problemas actuales del sistema penitenciario

    OpenAIRE

    González Martín, Jennifer

    2014-01-01

    He pretendido con este proyecto analizar los cambios que actualmente está sufriendo nuestro sistema penitenciario desde una óptica meramente jurídica. A tal fin, este trabajo se centra en analizar, por una parte, el proyecto de reforma del Código Penal centrándose en los aspectos que afectan al sistema penitenciario (en el caso de que finalmente sea aprobado por las Cortes Generales), y, por otra parte, se estudia la conocida como "Doctrina Parot" analizando en qué consiste, cómo se implantó ...

  14. Sistema de coberta transitable ventilada

    OpenAIRE

    Pagés Serra, Jorge

    2013-01-01

    Investigació referent a l'aplicació pràctica d'un sistema constructiu per a realitzar una coberta ventilada transitable amb paviment continuu En el nostre clima la màxima insolació es produeix a la coberta. Per altre banda les cobertes a la catalana o cobertes ventilades, tant comuns a l'eixample i d'altres zones de barcelona han pràcticament desaparegut. Aquesta investigació preten desenvolupar un sistema constructiu que permeti la realització de cobertes ventilades amb paviments continus...

  15. Sistemas de software distribuido : Aplicaciones

    OpenAIRE

    De Giusti, Armando Eduardo; Pesado, Patricia; Bertone, Rodolfo Alfredo; Boracchia, Marcos; Thomas, Pablo Javier; Madoz, María Cristina

    2002-01-01

    Realizar investigación y desarrollo en temas relacionados con Sistemas de Software Distribuido, particularmente los relacionados con los aspectos de Ingeniería de Software que se orientan al desarrollo e implementación de proyectos de sistemas distribuidos, incluyendo especialmente los temas de métricas y calidad de software. Estas tareas abarcan aspectos propios de la arquitectura, comunicaciones, estructuración de bases de datos, así como especificación, validación y desarrollo de aplica...

  16. Un sistema de restricciones anotado

    OpenAIRE

    RAMÍREZ OVALLE, CARLOS ERNESTO

    2010-01-01

    En la programación concurrente con restricciones, el concepto básico es el de sistema de restricciones. Aquí presentamos una innovación sobre los sistemas de restricciones al introducir una lógica anotada como componente sintáctico y semántico junto con un motor de inferencia lógica en hiper-resolución anotada. Esto permite incrementar la capacidad expresiva de un modelo basado en satisfacción de restricciones pues es ahora posible incluir información adicional a las restricciones clásicas de...

  17. El sistema reticulo-endotelial

    OpenAIRE

    Cuartas L., Carlos J.

    2011-01-01

    Definición.-Este nombre fue dado por Aschoff a una categoríacelular, cuyos elementos se encuentran profusamente distribuídos en la trama de sostén de diferentes órganos y tejidos; esos elementos gozan de características funcionales que justifican su individualización en un sistema celular especial. Muchos son los trabajos de investigación que han puesto de manifiesto las propiedades de este sistema celular, a pesar de su conocimiento relativamente reciente. Gracias a ellos, sabemos que esos e...

  18. Sistema de incendios inalámbrico

    OpenAIRE

    Menéndez Muñiz, Sergio

    2012-01-01

    Sistema de detección de incendios inalámbrico basado en dispositivos "motes" para la monitorización del estado del sistema, detección y reconocimiento de alarmas. Sistema de detecció d'incendis sense fils basat en dispositius "motes" per a la monitorització de l'estat del sistema, detecció i reconeixement d'alarmes.

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

    OpenAIRE

    Saragih, Arie Firmansyah

    2013-01-01

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

  20. El sistema tributario japonés

    OpenAIRE

    Yoshiyasu Okada

    2002-01-01

    Este documento primeramente trata las tendencias recientes y el estado actual del sistema tributario japonés como antecedentes. Luego resume los impuestos principales y describe el actual sistema. Finalmente trata los incentivos tributarios y los aspectos internacionales del sistema japonés.

  1. Using GenBank.

    Science.gov (United States)

    Sayers, Eric W; Karsch-Mizrachi, Ilene

    2016-01-01

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

  2. Soundness of Ethiopian Banks

    Directory of Open Access Journals (Sweden)

    Hamdu Kedir Mohammed

    2015-06-01

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

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

    OpenAIRE

    Norhazlin Ismail; Zarehan Selamat; Ong Hway Boon

    2004-01-01

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

  4. Swiss Bank Accounts

    OpenAIRE

    Brown, Martin; Döbeli, Barbara; Sauré, Philip

    2011-01-01

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

  5. Loan Products Included in the Offer of Commercial Banks

    Directory of Open Access Journals (Sweden)

    Vasile Dedu

    2009-04-01

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

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

    Directory of Open Access Journals (Sweden)

    Jayaraman Munusamy

    2012-04-01

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

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

    Directory of Open Access Journals (Sweden)

    Harshita B

    2015-08-01

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

  8. Varying Impacts of Electronic Banking on the Banking Industry

    Directory of Open Access Journals (Sweden)

    Sali Bakare

    2015-08-01

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

  9. Thoughts on Seeing "El Sistema"

    Science.gov (United States)

    Booth, Eric

    2009-01-01

    The FESNOJIV (the Spanish acronym for the State Foundation for the National System of Youth and Children's Orchestras), more commonly known as "El Sistema," teaches 300,000 of Venezuela's poorest children in the nationwide music learning program. Many begin attending the "nucleo" as early as age two or three, and the vast majority continue well…

  10. Knowledge Exchange with Sistema Scotland

    Science.gov (United States)

    Allan, Julie; Moran, Nikki; Duffy, Celia; Loening, Gica

    2010-01-01

    This paper reports on a knowledge exchange project, funded by the Scottish Funding Council and undertaken by a group of researchers from three higher education institutions in Scotland and the project partner, Sistema Scotland. This newly established charity is attempting to implement a major programme of social change, developed in Venezuela,…

  11. Efficiency of Commercial Banks in Malaysia

    OpenAIRE

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

    2006-01-01

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

  12. Backed up and gone...

    CERN Multimedia

    Computer Security Team

    2013-01-01

    Remember how easy it is to lose your passwords for web applications (“Don’t let Chrome expose your passwords”)? This time we go bigger and discuss how easy it is to lose the passwords for every wireless access point you’ve visited. You just need to be running Android on your smartphone…   Apparently, Google was already capturing wireless access points during its Streetview campaign but was forced to stop this after complaints from data protection advocates. It was done “mistakenly”. With Google’s Android now dominating the smartphone market, they’re back to their old tricks. As a useful feature, Android (version 2.2 and higher) stores the identifiers (“SSIDs”) of wireless access points and credentials by default, so that you do not have to reissue them on every connection. The interesting part happens when the smartphone is automatically backed up to Google'...

  13. Back to School

    Directory of Open Access Journals (Sweden)

    Pamela Osmond

    2014-10-01

    Full Text Available The Back to School of the title refers to post- school or second chance education in America. Mike Rose’s focus is on adult remedial (sic and occupational education.  However, although he writes about America, it is hard not to read this little book without a constant alternative reading of second chance learning or Technical and Further Education in the Australian context.

  14. Statistical comparison of comparable banking products in selected banks

    OpenAIRE

    Elstnerová, Lucie

    2011-01-01

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

  15. Metodologia de sistemas de data warehouse

    OpenAIRE

    Sá, Jorge Vaz de Oliveira e

    2010-01-01

    Tese de doutoramento em Tecnologias e Sistemas de Informação (área de conhecimento em Engenharia e Gestão de Sistemas de Informação) Os sistemas de Data Warehouse possibilitam que as organizações tenham acesso a informação de gestão que é essencial para a vida da organização. No entanto a implementação destes sistemas nas organizações sofre de uma elevada taxa de insucesso. Várias iniciativas de implementação de Sistemas de Data Warehouse arrancaram com grandes expectativas, mas r...

  16. Las virtudes del sistema binominal

    Directory of Open Access Journals (Sweden)

    John M Carey

    2006-01-01

    Full Text Available El sistema único de elecciones legislativas chileno, en el que cada distrito elige a dos representantes (M=2, ha sido objeto de controversia y de propuestas de reforma, ya que fue impuesto por el régimen autoritario saliente en 1990. La mayor parte de ellas aboga por la llamada mayor proporcionalidad. Este ensayo sostiene que, a pesar de sus orígenes no democráticos, el sistema M=2 ha funcionado relativamente bien respecto a los sistemas empleados en muchos otros países. En particular, M=2 en Chile entrega una mezcla adecuada de representatividad, gobernabilidad y responsabilidad individual del legislador. El ensayo considera varias alternativas para la reforma y perfila algunos problemas potenciales que cada una implicaría. Si se reforma el sistema chileno, entonces el autor recomienda que se haga por pasos incrementales, no fundamentales -un aumento moderado en la magnitud de cada distrito-, pero manteniendo las listas abiertas y no haciendo el salto a un sistema mixto de miembros (SMMChile's unique system of legislative elections, in which each district elects two representatives (M=2, has been subject to controversy and a target for reform proposals since it was imposed on the country by the outgoing authoritarian regime in 1990. Most reform advocates call for greater proportionality. This essay argues that, desipte its undemocratic origins, the M=2 system has performed quite well relative to systems used in many other countries. In particular, M=2 in Chile delivers a reasonable mix of representativeness, governability, and individual legislator accountability. The essay goes on to consider various alternatives for reform and outlines some potential problems each would entail. If the Chilean system is to be reformed, the essay recommends incrementalism - a moderate increase in district magnitude, perhaps, but maintaining open lists, and no change to a mixed-member system (MMS

  17. 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.

  18. Protein Data Bank (PDB)

    Data.gov (United States)

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

  19. Environmental Data Bank

    Energy Technology Data Exchange (ETDEWEB)

    ,

    1962-06-01

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

  20. Filter Bank Fusion Frames

    CERN Document Server

    Chebira, Amina; Mixon, Dustin G

    2010-01-01

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

  1. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

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

  2. Assessing efficiency in banking

    Directory of Open Access Journals (Sweden)

    Knežević Snežana

    2012-09-01

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

  3. Consumer protection in banking

    OpenAIRE

    Pohanková, Martina

    2013-01-01

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

  4. Securitization and Bank Stability

    OpenAIRE

    Di Cesare, Antonio

    2009-01-01

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

  5. International Banking in Cyprus

    OpenAIRE

    Yiallouros, Kristie

    2009-01-01

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

  6. Central Bank independence

    OpenAIRE

    Vasile DEDU; Tiberiu STOICA

    2012-01-01

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

  7. Debt, Taxes, and Banks

    OpenAIRE

    Michael Keen; Ruud A. de Mooij

    2012-01-01

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

  8. Corporate governance and banking regulation

    OpenAIRE

    Alexander, Kern

    2004-01-01

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

  9. The Banks and Sustainable Development

    OpenAIRE

    Madzova, Violeta

    2012-01-01

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

  10. INTERNAL AUDIT APPROACH IN BANKS

    OpenAIRE

    Victoria STANCIU

    2008-01-01

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

  11. Public Disclosure and Bank Failures

    OpenAIRE

    Eduardo Levy Yeyati; Tito Cordella

    1998-01-01

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

  12. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

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

  13. Risk Assessment for Banking Systems

    OpenAIRE

    Helmut Elsinger; Alfred Lehar; Martin Summer

    2002-01-01

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

  14. Cost leadership and bank internationalization

    OpenAIRE

    Galema, Rients; Koetter, Michael; Liesegang, Caroline

    2013-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Anthony Lukmawijaya

    2015-05-01

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

  16. The Poster Strikes Back

    DEFF Research Database (Denmark)

    Christensen, Line Hjorth

    2005-01-01

    The paper discusses fundamental issues in relation to placing graphic design in locations such as museums of decorative arts and living history museums. Based on my Ph.D. project on British commercial posters of the interwar years and approached from a combined perspective of museology, semiotics...... and design history, I argue that the poster during the interwar years inhabits a new active position. By exploiting and challenging the commercial and aesthetic paradox out of which it arose, the poster ‘strikes back' as a museologized, exhibited object. Rather than being absorbed into the city swirl...

  17. Back to basics audio

    CERN Document Server

    Nathan, Julian

    1998-01-01

    Back to Basics Audio is a thorough, yet approachable handbook on audio electronics theory and equipment. The first part of the book discusses electrical and audio principles. Those principles form a basis for understanding the operation of equipment and systems, covered in the second section. Finally, the author addresses planning and installation of a home audio system.Julian Nathan joined the audio service and manufacturing industry in 1954 and moved into motion picture engineering and production in 1960. He installed and operated recording theaters in Sydney, Austra

  18. Back complaints in older adults

    NARCIS (Netherlands)

    J. Scheele (Jantine)

    2013-01-01

    textabstractWith the aging of the Dutch population, the number of older aged back pain patients is also expected to increase. However, information on the course and prognosis of older patients with back pain in general practice is very scarce. Back pain is a common musculoskeletal disorder, also in

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

    Directory of Open Access Journals (Sweden)

    Aditya Wardhana

    2015-09-01

    Full Text Available The research aim was to assess the influence of the service quality of mobile banking (m-banking against customer satisfaction at the greatest banks in Indonesia. Elements of the quality of mobile banking services (m-banking were speed, security, accuracy, and trust. The population of this study was bank customers from eight of the greatest bank in Indonesia -- Bank Mandiri, Bank BRI, Bank BCA, Bank BNI, Bank CIMB Niaga, Bank Danamon, Bank Permata, and Bank Panin -- who used mobile banking which totaled 19.9 million customers with the size of the sample being 400 respondents. The sampling method used nonprobability sampling by incidental sampling. The results by using a structural equation modeling (SEM found significant influences between service quality of mobile banking (m-banking partially and simultaneously to customer satisfaction.

  20. Efficacy and safety of dynamic stabilization for patients with degenerative disc, spinal stenosis and low back pain: a systematic review of randomized controlled clinical trials Eficacia y seguridad de los sistemas de estabilización dinámica en pacientes con enfermedad discal degenerativa, estenosis de canal y lumbalgia: revisión sistemática de estudios clínicos randomizados Eficácia e segurança dos sistemas de estabilização dinâmica em pacientes com doença discal degenerativa, estenose de canal e lombalgia: revisão sistemática de estudos clínicos randomizados

    Directory of Open Access Journals (Sweden)

    Gustavo Carriço de Oliveira

    2010-09-01

    Full Text Available STUDY DESIGN: Systematic review of the literature. OBJECTIVE: To perform a systematic review of the literature to organize, critical appraisal and select the best evidence available about the efficacy and safety of non-fusion fixation and its potential use for patients with degenerative disc, spinal stenosis and low back pain. SUMMARY OF BACKGROUND DATA: Recent reports have increased debate about the role of dynamic stabilization in the treatment of chronic back pain associated with lumbar disc degeneration and spinal stenosis. We conducted a systematic review of randomized trials through a more sensitivity search strategy and rigorous criteria applied for the type of studies. METHODS: An electronic search was made in the databases of the Cochrane Central Register of Controlled Trials, Medline, Embase, and Latin American and Caribbean Health Sciences (Lilacs extended to November 31, 2008, with no linguistic restrictions. RESULTS: One randomized controlled trial that fulfilled the inclusion criteria described above was included in this review. CONCLUSION: The data included in this review show that the use of non-fusion stabilization could be a suitable alternative to another therapies in well selected patients with spinal stenosis and degenerative disc disease. This review highlighted the need for continued research into the use of non-fusion stabilization in the treatment of spinal disorders. There is an urgency need to conduct randomized clinical trials. Long-term efficacy should be evaluated.DISEÑO DEL ESTUDIO: revisión sistemática de la literatura. OBJETIVO: realizar una revisión sistemática de la literatura para organizar, evaluar y seleccionar las mejores evidencias al respecto del uso de los sistemas de estabilización dinámica, su eficacia y seguridad en el tratamiento de la enfermedad degenerativa discal, estenosis del canal lumbar y dolor lumbar a través de estrategias de búsqueda apurada y selección con criterios aplicados

  1. MODELI SISTEMA POSLUŽIVANJA

    OpenAIRE

    Varga, Mirko

    1989-01-01

    U članku se raspravlja o modelima sistema posluživanja (MSP). Razrađuju se osnovni elementi MSP-a, navodi se primjer i najznačajnije karakteristike. Ukazuje se također na složenost postavljanja odgovarajuće koncepcije upravljanja transakcijama te navode karakteristike najčešćih načina posluživanja. U trećem dijelu komentiramo najčešća obilježja sistema koje obično tretiramo modelom. U četvrtom dijelu navode se ograničenja modela te iz toga proizašla potreba za proširenjem definicije MSP-a. Na...

  2. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

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

  3. Nociones del Sistema Tributario Mexicano

    Directory of Open Access Journals (Sweden)

    Froylán Balderas Torres

    2012-01-01

    Full Text Available La presente información se encamina a interiorizar al lector en el tema fiscal con palabras sencillas, describiendo en forma sucinta los antecedentes de los tributos, hasta llegar y describir el sistema impositivo actual mexicano, y de ahí estudiar en forma específica el impuesto que tiene más relevancia por la cantidad que se recauda siendo el Impuesto Sobre la Renta.

  4. Materials information data bank

    Energy Technology Data Exchange (ETDEWEB)

    Mead, K.E.

    1978-03-01

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

  5. Materials information data bank

    International Nuclear Information System (INIS)

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

  6. MANAGING BANK SERVICES QUALITY

    Directory of Open Access Journals (Sweden)

    Marijana Mandić

    2011-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Kashmari A

    2016-04-01

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

  8. EL DESAJUSTE DEL CRÉDITO EN EL SISTEMA BANCARIO Y LA ACCIÓN DE LA ECONOMÍA SOCIAL: EL CAMINO DE LA REESTRUCTURACIÓN. / THE MISMATCH OF CREDIT IN THE BANKING SYSTEM AND THE ACTION OF SOCIAL ECONOMY: THE PATH OF RESTRUCTURING.

    Directory of Open Access Journals (Sweden)

    Ricardo PALOMO ZURDO

    2012-09-01

    Full Text Available Los cinco años transcurridos desde el inicio de la crisis financiera internacional en el año 2007 han provocado la que, probablemente, sea una de las mayores reestructuraciones del sector bancario realizadas hasta la fecha, tanto en su perspectiva global como en su dimensión doméstica en España. Las entidades de crédito de la Economía Social, cajas de ahorros y cooperativas de crédito, han protagonizado un extraordinario proceso de concentración. Las primeras han sufrido, además, una radical transformación que ha modificado su configuración y naturaleza societaria –mediante la conversión de muchas en bancos- y, consiguientemente, su modelo de negocio y sentido finalista. Desde otra perspectiva, la crisis ha revelado la insuficiencia de las entidades financieras para el ejercicio de su principal misión como entidades suministradoras de crédito. Su amenazada o difícil solvencia, la necesidad de implantar un exigente control del riesgo y las elevadas tasas de morosidad han llevado a una restricción sin precedentes de la actividad crediticia que ha terminado por estrangular a una gran parte de la economía real o productiva. Las tres reformas financieras aprobadas hasta agosto de 2012 han generado cierto “descrédito” entre la sociedad por su elevado coste directo e indirecto que se unen al “descrédito” por las restricciones crediticias que la situación del sector y las reformas han impuesto. / During the last five years, after the beginning of the financial crisis in 2007, one of the major banking restructuring was caused, both in a global perspective and in a domestic dimension for Spain. The credit entities of the social economy, savings banks and credit cooperatives, have led an extraordinary concentration process. The first credit entities, suffered a radical transformation that has modified their corporate structure by converting many of them into banks, and consequently, its business model. From another

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

    OpenAIRE

    Camelia Cojocaru; Silviu Cojocaru

    2013-01-01

    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 t...

  10. 12 CFR 552.2-7 - Conversion to National banking association or State bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Conversion to National banking association or State bank. 552.2-7 Section 552.2-7 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE... National banking association or State bank. A Federal stock association may convert to a National...

  11. Framing a Bank

    DEFF Research Database (Denmark)

    Holmgreen, Lise-Lotte

    2012-01-01

    Maintaining a good image and reputation in the eyes of stakeholders is vital to the organisation. Thus, in its corporate communication and discourse the organisation will seek to present itself as favourably as possible while observing regulations stipulating accuracy and precision in the informa......Maintaining a good image and reputation in the eyes of stakeholders is vital to the organisation. Thus, in its corporate communication and discourse the organisation will seek to present itself as favourably as possible while observing regulations stipulating accuracy and precision...... Danish bank, Danske Bank, during the 2008 financial crisis and hence in shaping its image projected to the public. Through the study of a number of semantic frames adopted by the Danish print press and those adopted by the Bank, this article will argue for the constructions of the press putting...

  12. On Internet Banking

    Directory of Open Access Journals (Sweden)

    Jeffrey E Jarrett

    2015-08-01

    Full Text Available The purpose is to note the likelihood of continued growth of internet banking and commerce as individual consumers purchase more and more products to access the internet and complete both financial and consumer transactions. The growth is commercial and banking services on-line will grow as long as the hardware producers innovate with new faster and easy to use products. The pitfalls include attacks by savage interventionists who attempt to steal information and prevent end-users from employing the internet for purposes with good intentions. A challenge is made to software and hardware producers to use modern methods and techniques to predict where problems exist in internet banking and commerce. Serious solutions are necessary.

  13. La reforma del sistema electoral chileno

    Directory of Open Access Journals (Sweden)

    Mariela Rubano Lapasta

    2007-01-01

    Full Text Available La modificación del sistema electoral público chileno se ha transformado nuevamente en tema de debate público, después de la Reforma Constitucional de 2005. El Gobierno ha propuesto reformar el sistema electoral, sustituirlo por otro que permita a las minorías tener representación en el Congreso. Se abordan brevemente los sistemas electorales en el derecho comparado, en especial el caso chileno, evaluando las ventajas y desventajas del sistema electoral nacional. Se propone recurrir al mecanismo de primarias a fin de elegir a los candidatos. Se concluye que no hay ningún sistema ideal, importa más las características del sistema político y no tanto el método electoral con el cual se eligen a los representantes.

  14. 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.

  15. Back from Sestriere

    CERN Multimedia

    2006-01-01

    Jean-Yves Le Meur during the Special Slalom at the Paralympic Winter Games on 19 March. (Photo credit: G. Place and B. Loyseau) CERN's Olympian, Jean-Yves Le Meur (IT Department), is back from Sestriere after competing in the Paralympic Winter Games in the sitting skiing competition. Ranked 14th after his first run in the Special Slalom, Jean-Yves had an excellent second run which brought him right up the field. He eventually finished ninth, 11 seconds off the gold medal place. In the Giant Slalom, he unfortunately fell in the final gates of his second run, having reached 10th position in his first run. With about 50 top athletes from all the competing nations contesting each event, the competition was stiff, and our warmest congratulations go to Jean-Yves for his participation and great performance!

  16. Back wall solar cell

    Science.gov (United States)

    Brandhorst, H. W., Jr. (Inventor)

    1978-01-01

    A solar cell is disclosed which comprises a first semiconductor material of one conductivity type with one face having the same conductivity type but more heavily doped to form a field region arranged to receive the radiant energy to be converted to electrical energy, and a layer of a second semiconductor material, preferably highly doped, of opposite conductivity type on the first semiconductor material adjacent the first semiconductor material at an interface remote from the heavily doped field region. Instead of the opposite conductivity layer, a metallic Schottky diode layer may be used, in which case no additional back contact is needed. A contact such as a gridded contact, previous to the radiant energy may be applied to the heavily doped field region of the more heavily doped, same conductivity material for its contact.

  17. Poslovanje in financiranje zdravstvenega sistema Republike Slovenije

    OpenAIRE

    Gorup, Luka

    2016-01-01

    V nalogi smo podrobneje predstavili zdravstveni sistem Republike Slovenije, ureditev obveznega zdravstvenega zavarovanja in drugih virov, s katerimi financiramo zdravstveni sistem. Preučili smo poslovanje sistema, plačevanje zdravstvenih izvajalcev in zaposlenih ter predstavili partnerje pri upravljanju sistema. Natačneje smo predstavili porazdelitev in ureditev različnih ravni zdravstvenega sistema, razporeditev in organiziranost človeških, finančnih, materialnih in drugih virov. Sis...

  18. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

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

  19. Boards of Banks

    OpenAIRE

    Ferreira, Daniel

    2010-01-01

    An earlier version of this paper won the Best Paper Award of the Corporate Governance SIG at EURAM. Abstract We construct a comprehensive data set with detailed biographic data on 12,010 board directors working for 740 large banks from 41 countries over the period 2000-2008. The data allow us to create a novel and reliable measure of director independence. We report many new findings. Bank board independence increases rapidly and substantially in the pre-crisis period, peaking at abou...

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

    OpenAIRE

    Ahmad Z. Siam

    2009-01-01

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

  1. 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.

  2. 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.

  3. 75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-21

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

  4. La reforma del sistema electoral chileno

    OpenAIRE

    Mariela Rubano Lapasta

    2007-01-01

    La modificación del sistema electoral público chileno se ha transformado nuevamente en tema de debate público, después de la Reforma Constitucional de 2005. El Gobierno ha propuesto reformar el sistema electoral, sustituirlo por otro que permita a las minorías tener representación en el Congreso. Se abordan brevemente los sistemas electorales en el derecho comparado, en especial el caso chileno, evaluando las ventajas y desventajas del sistema electoral nacional. Se propone ...

  5. 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

  6. Banking Scandals Force Governance Issue

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

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

  7. Eye Bank Association of America

    Science.gov (United States)

    ... Share Your Story – Cornea Recipient What is an Eye Bank? Eye banks recover corneal tissue from donors ... tissue donor! Learn more Register to be an Eye Donor Over 70,000 people received sight-restoring ...

  8. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

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

  9. NRAO Green Bank Telescope (GBT)

    Data.gov (United States)

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

  10. MODELS OF BANKING RISKS MANAGEMENT

    OpenAIRE

    Bente Corneliu Cristian

    2009-01-01

    Banking risks management as a fundamental element of banking management aims at diminishing as much as possible the negative impact of risk factors, at minimizing losses by expenditures cut-off and maximizing direct and transferred influxes, changing the

  11. Chinese Commercial Banks Risk Management Practices: A Research in China Banking Risk Management

    OpenAIRE

    Wang, Xiaoling

    2006-01-01

    This dissertation uses a qualitative research approach, and examines the importance and its current situation of banks risk management in China banking. The commercial banking analysis covers China state-own commercial banks and joint-stock commercial banks as well as local city commercial banks, but mainly analysis stems from state-owned and joint-stock commercial banks, excluding foreign banks in China. In addition, this dissertation reveals that China Center Bank and China Bank Regulatory ...

  12. COMPETITIVE ISSUES IN BANKING: THEORETICAL APPROACHES OVERVIEW

    Directory of Open Access Journals (Sweden)

    Iryna Aloshyna

    2013-09-01

    Full Text Available Theoretical concepts of bank competitiveness are studied and research approaches to the banking efficiency measurement are overviewed. Empirical models of competition in banking are considered for identifying the key factors of bank competitiveness.

  13. 78 FR 68445 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-11-14

    ... 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 bank holding company. The...

  14. 76 FR 26728 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-05-09

    ... 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 bank holding company. The...

  15. 77 FR 795 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-06

    ... 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 bank holding company. The...

  16. 77 FR 71793 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-04

    ... 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 bank holding company. The...

  17. 75 FR 49934 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-08-16

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that...

  18. 75 FR 14596 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-03-26

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that...

  19. 76 FR 29751 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-05-23

    ... 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 bank holding company. The...

  20. 75 FR 43164 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-07-23

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that...

  1. 77 FR 35386 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-13

    ... 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 bank holding company. The...

  2. 76 FR 24489 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-05-02

    ... 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 bank holding company. The...

  3. 78 FR 54250 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-09-03

    ... 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 bank holding company. The...

  4. 75 FR 80051 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-12-21

    ... 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 bank holding company. The...

  5. 78 FR 14301 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-03-05

    ... 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 bank holding company. The...

  6. 76 FR 9350 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-02-17

    ... 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 bank holding company. The...

  7. 78 FR 35032 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-11

    ... 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 bank holding company. The...

  8. 78 FR 55716 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-09-11

    ... 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 bank holding company. The...

  9. 75 FR 50764 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-08-17

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that...

  10. 78 FR 46583 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-01

    ... 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 bank holding company. The...

  11. 78 FR 26368 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-05-06

    ... 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 bank holding company. The...

  12. 78 FR 67362 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-11-12

    ... 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 bank holding company. The...

  13. 78 FR 54647 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-09-05

    ... 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 bank holding company. The...

  14. 75 FR 4394 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-01-27

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that...

  15. 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

    ... 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 bank holding company. The...

  16. 77 FR 24491 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-04-24

    ... 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 bank holding company. The...

  17. 78 FR 43203 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-19

    ... 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 bank holding company. The...

  18. 76 FR 20669 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-04-13

    ... 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 bank holding company. The...

  19. 77 FR 2063 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-13

    ... 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 bank holding company. The...

  20. 77 FR 28597 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-15

    ... 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 bank holding company. The...

  1. 75 FR 62820 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-10-13

    ... 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 bank holding company. The...

  2. 75 FR 38524 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-07-02

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that...

  3. 76 FR 45572 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-29

    ... 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 bank holding company. The...

  4. 76 FR 80371 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-12-23

    ... 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 bank holding company. The...

  5. 75 FR 21628 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-26

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that...

  6. 75 FR 20598 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-20

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that...

  7. 78 FR 53146 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-28

    ... 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 bank holding company. The...

  8. 78 FR 61960 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-08

    ... 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 bank holding company. The...

  9. 77 FR 49795 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-08-17

    ... 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 bank holding company. The...

  10. 77 FR 62237 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-12

    ... 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 bank holding company. The...

  11. 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

    ... 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 bank holding company. The...

  12. 78 FR 52194 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-22

    ... 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 bank holding company. The...

  13. 77 FR 21561 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-04-10

    ... 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 bank holding company. The...

  14. 76 FR 14010 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-03-15

    ... 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 bank holding company. The...

  15. 77 FR 53887 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-04

    ... 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 holding company. The...

  16. 77 FR 63832 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-17

    ... 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 bank holding company. The...

  17. 78 FR 5442 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-25

    ... 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 bank holding company. The...

  18. 76 FR 53474 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-08-26

    ... 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 bank holding company. The...

  19. 76 FR 8739 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-02-15

    ... 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 bank holding company. The...

  20. 77 FR 55214 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-07

    ... 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 bank holding company. The...

  1. 77 FR 74482 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-14

    ... 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 holding company. The...

  2. 76 FR 2383 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-01-13

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants 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 bank holding company. The...

  3. 76 FR 65727 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-10-24

    ... 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 bank holding company. The...

  4. 75 FR 60125 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-09-29

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that...

  5. 77 FR 48983 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-08-15

    ... 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 bank holding company. The...

  6. 76 FR 42127 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-18

    ... 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 bank holding company. The...

  7. 76 FR 20986 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-04-14

    ... 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 bank holding company. The...

  8. 75 FR 19974 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-16

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that...

  9. 78 FR 44953 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-25

    ... 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 bank holding company. The...

  10. 76 FR 63620 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-10-13

    ... 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 bank holding company. The...

  11. 77 FR 14015 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-08

    ... 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 bank holding company. The...

  12. 75 FR 69444 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-12

    ... 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 bank holding company. The...

  13. 75 FR 13762 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-03-23

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that...

  14. 77 FR 67816 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-14

    ... 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 bank holding company. The...

  15. 78 FR 35930 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-14

    ... 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 bank holding company. The...

  16. 78 FR 36189 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-17

    ... 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 bank holding company. The...

  17. 75 FR 28616 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-05-21

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that...

  18. 76 FR 40365 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-08

    ... 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 bank holding company. The...

  19. 77 FR 67365 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-09

    ... 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 bank holding company. The...

  20. 75 FR 65631 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-10-26

    ... 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 bank holding company. The...

  1. 78 FR 9917 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-02-12

    ... 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 bank holding company. The...

  2. 76 FR 28435 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-05-17

    ... 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 bank holding company. The...

  3. 77 FR 29643 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-18

    ... 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 bank holding company. The...

  4. 75 FR 66762 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-10-29

    ... 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 bank holding company. The...

  5. 77 FR 31855 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-30

    ... 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 bank holding company. The...

  6. 77 FR 29347 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-17

    ... 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 bank holding company. The...

  7. 77 FR 40058 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-06

    ... 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 bank holding company....

  8. 77 FR 4560 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-30

    ... 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 bank holding company. The...

  9. 75 FR 70004 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-16

    ... 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 bank holding company. The...

  10. 76 FR 21367 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-04-15

    ... 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 bank holding company. The...

  11. 76 FR 38178 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-06-29

    ... 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 bank holding company. The...

  12. 78 FR 59689 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-09-27

    ... 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 bank holding company. The...

  13. 78 FR 2273 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-10

    ... 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 bank holding company. The...

  14. 77 FR 14368 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-09

    ... 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 bank holding company. The...

  15. 78 FR 68073 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-11-13

    ... 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 bank holding company. The...

  16. 78 FR 70300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-11-25

    ... 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 bank holding company. The...

  17. 76 FR 41259 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-13

    ... 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 bank holding company. The...

  18. 78 FR 50056 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-16

    ... 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 bank holding company. The...

  19. 78 FR 23565 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-19

    ... 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 bank holding company. The...

  20. 77 FR 69454 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-19

    ... 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 bank holding company. The...

  1. 78 FR 37222 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-20

    ... 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 bank holding company. The...

  2. 77 FR 12584 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-01

    ... 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 holding company. The...

  3. 78 FR 22879 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-17

    ... 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 bank holding company. The...

  4. 77 FR 26280 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-03

    ... 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 bank holding company. The...

  5. 75 FR 65484 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-10-25

    ... 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 bank holding company. The...

  6. 78 FR 33092 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-03

    ... 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 bank holding company. The...

  7. 75 FR 1621 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-01-12

    ... 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. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that...

  8. 75 FR 78705 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-12-16

    ... 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 bank holding company. The...

  9. 77 FR 42312 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-18

    ... 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 bank holding company. The...

  10. 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

    ... 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 bank holding company....

  11. 77 FR 32637 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-01

    ... 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 bank holding company. The...

  12. 78 FR 25273 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-30

    ... 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 bank holding company. The...

  13. 78 FR 78357 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-26

    ... 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 bank holding company. The...

  14. 77 FR 56209 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-12

    ... 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 bank holding company. The...

  15. 78 FR 75349 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-11

    ... 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 bank holding company. The...

  16. 78 FR 31549 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-05-24

    ... 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 bank holding company. The...

  17. 78 FR 33093 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-03

    ... 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 bank holding company. The...

  18. 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

    ... 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 bank holding company. The...

  19. 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

    ... 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 bank holding company. The...

  20. 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

    ... 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 bank holding company. The...

  1. 75 FR 63183 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-10-14

    ... 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 bank holding company. The...

  2. 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

    ... 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 bank holding company. The...

  3. 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

    ... 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 bank holding company. The...

  4. 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

    ... 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 bank holding company. The...

  5. 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

    ... 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 bank holding company. The...

  6. 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

    ... 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 bank holding company. The...

  7. 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

    ... 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 bank holding company. The...

  8. 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

    ... 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 bank holding company. The...

  9. 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

    ... 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 bank holding company. The...

  10. Scrum methodology in banking environment

    OpenAIRE

    Strihová, Barbora

    2015-01-01

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

  11. Banking Crises and Financial Integration

    OpenAIRE

    Caballero, Julian

    2012-01-01

    This paper explores whether the level of financial integration of banks in a country increases the incidence of systemic banking crises. The paper uses a de facto proxy for financial integration based on network statistics of banks participating in the global market of interbank syndicated loans. Specifically, the network statistics degree and betweenness are used to proxy for the de facto integration of the average bank in a country. The paper fits a count data model in the cross-section for...

  12. Energy-measuring resistor bank

    Science.gov (United States)

    Marques, Anthony M.; Kelley, Paul R.; Jones, William K.; Fuk, Masatoshi

    1994-08-01

    A resistor bank consisting of a group of resistors formed on the surface of a die, all electrically connected together in parallel. All of the resistors have identical individual resistances, but each has a unique energy dissipating capacity. When an event subjects the resistor bank to a surge of current, some of the resistors blow out, thereby changing the resistance of the bank. By measuring the resistance of the bank before and after an event the energy of the surge can be determined.

  13. One Bank,Two Markets

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

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

  14. Career Concerns of Banking Analysts

    OpenAIRE

    Horton, Joanne; Serafeim, Georgios; Wu, Shan

    2015-01-01

    We study how career concerns influence banking analysts’ forecasts and how their forecasting behavior benefits both them and bank managers. We show that banking analysts issue early in the year relatively more optimistic and later in the year more pessimistic forecasts for banks that could be their future employers. This pattern is not observed when the same analysts forecast earnings of companies that are not likely to be their future employers. Moreover, we use the Global Settlement as an e...

  15. Auditing and bank capital regulation

    OpenAIRE

    Edward Simpson Prescott

    2004-01-01

    Auditing is introduced into a model of bank capital regulation. Deterministic and stochastic auditing strategies are studied. Contrary to intuition, auditing of bank risk should be focused on the safest banks because they hold the least amount of capital. Risky banks, which hold more capital, need to be audited less. The importance of auditing by regulators and penalties for non-compliance are discussed in light of the Basel II capital regulation proposals. Emphasis is placed on the importanc...

  16. Banking on Diversity

    Science.gov (United States)

    Roach, Ronald

    2010-01-01

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

  17. Trilogy of China's Banking

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  18. The Green Bank Telescope

    Science.gov (United States)

    Prestage, R. M.; Constantikes, K. T.; Hunter, T. R.; King, L. J.; Lacasse, R. J.; Lockman, F. J.; Norrod, R. D.

    2009-08-01

    The Robert C. Byrd Green Bank Telescope of the National Radio Astronomy Observatory is the world's premiere single-dish radio telescope operating at centimeter to long millimeter wavelengths. This paper describes the history, construction, and main technical features of the telescope.

  19. UBS BANK INFORMATION

    CERN Document Server

    UBS, CERN branch

    2002-01-01

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

  20. Bancos de semillas en el suelo Soil seed banks

    Directory of Open Access Journals (Sweden)

    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.

  1. The Reasons to Lack of Electronic Banking Achievement in Iran

    Directory of Open Access Journals (Sweden)

    Mohsen Rasoulian

    2011-09-01

    Full Text Available Back ground: electronic banking is an important and fundamental issue that plays an important role in reachingto electronic government. Generally speaking electronic banking includes all banking services using electronicsystem by the virtue of safe mediators in a way that physical presence is no longer necessary. The beginning ofelectronic banking turns back to 1960s when computers were used in banks for the first time. The second roundof electronic banking started at late 1970s and it was named automation of the office. Using telecommunicationservices was also common in this period. The third round started in the middle of 1980s by connection ofcustomers to accounts. In this round the connection of customers with their accounts, telephone, ATM, etc wasused. Finally, fourth period was accompanied by uniting the systems and connecting the customer to all bankingoperations. The beginning of electronic banking in Iran goes back to 1981-1991. Tejarat bank issued the firstbank card in 1991 and after that Sepah bank started to establish 7 ATM stands all over the country. In 1992 Iranjoined SWIFT(Society for Worldwide Interbank Financial Telecommunication international channel and itwas connected to the channel in 1993.Methods: The type of study is operational from the perspective of its aim and practical from the perspective of itsimplementation and it includes two parts. The first part is concerned with a comparison of banking systems inTurkey-Malaysia and Iran. The second part is however concerned with the obstacles in the way of electronicbanking in Iran including: management obstacles, financial obstacles, technical obstacles, cultural obstacles andsafety obstacles. It is attempted to use statistics from the organizations like central bank, telecommunicationcenter, etc and study the amount of influence in each of them. Statistical data used in this study is during 2010-2011.Results: The result of the first chapter of the present study is the

  2. Trajectories of low back pain

    DEFF Research Database (Denmark)

    Axén, Iben; Leboeuf-Yde, Charlotte

    2013-01-01

    Low back pain is not a self-limiting problem, but rather a recurrent and sometimes persistent disorder. To understand the course over time, detailed investigation, preferably using repeated measurements over extended periods of time, is needed. New knowledge concerning short-term trajectories...... indicates that the low back pain 'episode' is short lived, at least in the primary care setting, with most patients improving. Nevertheless, in the long term, low back pain often runs a persistent course with around two-thirds of patients estimated to be in pain after 12 months. Some individuals never have...... low back pain, but most have it on and off or persistently. Thus, the low back pain 'condition' is usually a lifelong experience. However, subgroups of patients with different back pain trajectories have been identified and linked to clinical parameters. Further investigation is warranted...

  3. SIBAS: a blood bank information system and its 5-year implementation at Macau.

    Science.gov (United States)

    Li, Bing Nan; Chao, Sam; Chui Dong, Ming

    2007-05-01

    Automation systems and information technology can greatly help medical facilities to improve their working efficiency and optimize the whole workflow. This article surveys electronic information management in blood donation and transfusion service, and explores the rationale and archetype of blood bank information systems, then exemplifies a successful in-running system-Sistema Integrado de Bancos de Sangue (SIBAS), which is developed by the Institute of Systems and Computer Engineering of Macau (INESC-Macau) in cooperation with the Macau Blood Transfusion Center (CTS-Macau). Its implementation and the related lessons are briefly introduced too. In essence, this article is oriented to serve as a reference of contemporary blood bank information systems.

  4. Islamic economics, banking and finance.

    OpenAIRE

    Dastgir, Shabbir

    2015-01-01

    The normal operations of commercial banks in Western economies do not conform to the religious requirements of the Islamic faith. In this article, Shabbir Dastgir explores the differences and outlines how the worldwide industry in Islamic banking has developed new banking practices.

  5. Teaching Bank Runs through Films

    Science.gov (United States)

    Flynn, David T.

    2009-01-01

    The author advocates the use of films to supplement textbook treatments of bank runs and panics in money and banking or general banking classes. Modern students, particularly those in developed countries, tend to be unfamiliar with potential fragilities of financial systems such as a lack of deposit insurance or other safety net mechanisms. Films…

  6. 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 ...

  7. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

    This thesis consists of three chapters. The rst, "Paying for Payments", examines the role of interchange fees in payment card networks. The second, "Bank Liquidity and the Interbank Market" (co-authored with Mikael Reimer Jensen), investigates how banks' liquidity holdings at the central bank a e...

  8. Approach to lower back pain.

    Science.gov (United States)

    Moosajee, F; Kalla, A A

    2015-12-01

    Lower back pain is one of the most common symptoms–and the most common musculoskeletal problem–seen by general practitioners. Iti s also a common cause of disability and an expensive condition in terms of economic impact because of absenteeism. This article discusses an approach to this common symptom and how to distinguish the benign, mechanical type of back pain from the more sinister, but less frequently encountered, inflammatory back pain. PMID:26933725

  9. Banking on women's spirit.

    Science.gov (United States)

    Yunus, M

    1993-11-01

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

  10. Sistemas distribuidos de tiempo real

    OpenAIRE

    Ramón, Hugo Dionisio; Romero, Fernando; Pesado, Patricia Mabel; Bertone, Rodolfo Alfredo; Boracchia, Marcos; Thomas, Pablo Javier; Esponda, Silvia

    2004-01-01

    El objetivo de esta línea de investigación es el estudio y desarrollo de sistemas de software que poseen restricciones temporales. Resulta de interés el estudio de diferentes metodologías para la especificación y desarrollo de aplicaciones en tiempo real, así como las plataformas donde dichas aplicaciones pueden ejecutarse. Se trabaja experimentalmente con distintos tipos de hardware y software entre los que pueden mencionarse placas A/D, mini-robots, máquinas multimicroprocesadores y dife...

  11. Sistemas distribuidos de tiempo real

    OpenAIRE

    Ramón, Hugo Dionisio; Romero, Fernando; González, Alejandro Héctor; Novarini, Pablo; Estrebou, César Armando

    2005-01-01

    El objetivo de esta línea de investigación es el estudio y desarrollo de sistemas de software que poseen restricciones temporales. Resulta de interés el estudio de diferentes metodologías para la especificación y desarrollo de aplicaciones en tiempo real, así como las plataformas donde dichas aplicaciones pueden ejecutarse. Se trabaja experimentalmente con distintos tipos de hardware y software entre los que pueden mencionarse placas A/D, mini-robots, plataformas de hardware (PC, PIC, etc....

  12. Mobiliario urbano: sistema de bancos

    OpenAIRE

    Vallati, Emiliano

    2012-01-01

    Para desarrollar el presente proyecto se partió de considerar al mobiliario urbano como todos los elementos que forman parte del paisaje de la ciudad y que tienen la finalidad de ser útiles para el ciudadano. En este caso, se diseñó un sistema de bancos que interactúan entre sí y que permite incorporar más piezas según el uso, las funciones o las necesidades que se quieran satisfacer. El objetivo fue resolver el problema de sentarse. Para ello, se partió de la acción de sentarse, y se la p...

  13. Argentina en el sistema internacional

    OpenAIRE

    Tini, María Natalia

    2002-01-01

    El presente trabajo apunta a analizar cuál es el lugar "real" que ocupa la Argentina en el Sistema Internacional, en contraste, con el lugar "ideal" en que lo ha ido posicionando nuestra dirigencia en los últimos 10 años. Para ello, es esencial realizar un breve repaso de la política exterior llevada a cabo por las administraciones Menem y De La Rúa, como sustento empírico de dicho análisis. La hipótesis plantea que para proyectar una adecuada política exterior es necesario formular un ...

  14. Myofascial low back pain treatment.

    Science.gov (United States)

    Sharan, Deepak; Rajkumar, Joshua Samuel; Mohandoss, Mathankumar; Ranganathan, Rameshkumar

    2014-09-01

    Myofascial pain is a common musculoskeletal problem, with the low back being one of the commonest affected regions. Several treatments have been used for myofascial low back pain through physical therapies, pharmacologic agents, injections, and other such therapies. This review will provide an update based on recently published literature in the field of myofascial low back pain along with a brief description of a sequenced, multidisciplinary treatment protocol called Skilled Hands-on Approach for the Release of myofascia, Articular, Neural and Soft tissue mobilization (SHARANS) protocol. A comprehensive multidisciplinary approach is recommended for the successful management of individuals with myofascial low back pain.

  15. TLC Fall-back procedures

    International Nuclear Information System (INIS)

    This document presents the fall-back procedures planned for cases where the trilateral power market coupling cannot be run correctly or cannot produce correct results. The reasons for fall-back can occur in three situations: market coupling is subject to normal business risks but risks have been minimized, winter clock change handled differently in the different local systems, and excessive proportion of block orders leading to bids infeasibilities. The possible fall-back situations are listed and the main principles for fall-back are explained: critical deadline for results publication/participants information, explicit auctions, south border, north border. (J.S.)

  16. Sistema de apoyo al aprendizaje diagnóstico: de endodiag a un sistema multiagente

    OpenAIRE

    Casali, Ana; Corti, Rosa Marina; D'Agostino, Estela; Biga, Adrián; Siragusa, Martha; Aciar, Silvana

    2005-01-01

    En este trabajo se describe el desarrollo y evolución, a través de distintos prototipos, de un sistema de apoyo a la enseñanza diagnóstica en Endodoncia. Este sistema tiene como objetivo reforzar el conocimiento que adquieren los estudiantes a través de la práctica clínica. Los dos primeros prototipos de este sistema se han desarrollado para ser ejecutados por los alumnos en una sola Terminal. El primero de estos sistemas es EndoDiag, un sistema experto que acompaña al alumno en el diagnóstic...

  17. Promoting Bank Stability through Compensation Reform: Lessons from Iceland

    Directory of Open Access Journals (Sweden)

    Jay Cullen

    2015-12-01

    Full Text Available This article argues that the program of compensation reform at financial institutions – despite recent wide-ranging changes – remains incomplete. A considerable body of theoretical and empirical research has been developed which, for the most part, suggests that compensation incentives embedded in compensation contracts at banks encouraged risk-taking behaviour which contributed to the Global Financial Crisis. Extensive reforms to compensation rules at financial institutions have been implemented across the globe, including increased use of deferral, mandatory capping of bonuses and the introduction of claw-back powers. Relying on observations on the failures of Icelandic and UK banks, and legal and economic analyses of compensation reforms in each jurisdiction, this paper argues that some elements of the Icelandic and UK reform programs ought to be transposed to the EU level. Arguably, these recommendations will help improve the resilience of the European banking system and contribute to greater financial stability.

  18. The Federal Home Loan Bank system : the "other" housing GSE.

    OpenAIRE

    Mark J. Flannery; W. Scott Frame

    2006-01-01

    Founded in 1932, the twelve Federal Home Loan Banks (FHLBs) have historically provided long-term funding to specialized mortgage lenders. But legislative changes in the wake of the 1980s’ thrift crises spurred the FHLBs to expand in both size and scope. For example, FHLB balance sheets now also include a substantial investment in mortgages and mortgage-backed securities, and the attendant interest rate risk has created financial and accounting difficulties at some of the FHLBs. ; Like Fannie ...

  19. 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.

  20. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  1. Factors Affecting Bank Switching Intentions in E-Banking

    Directory of Open Access Journals (Sweden)

    Leyla ÖZER

    2012-12-01

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

  2. 12 CFR 2.5 - Bank compensation.

    Science.gov (United States)

    2010-01-01

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

  3. Are Chinese Banks Ready for Foreigners?

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

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

  4. Physics Back in TIME

    Science.gov (United States)

    Korsunsky, Boris

    2014-03-01

    Recently, I came into possession of an unusual item: a collection of 1928 TIME magazines. I began flipping through the pages out of sheer curiosity—and was soon astonished by the scale and the depth of their physics coverage. Back then, TIME had a special "Science" section in almost every issue and devoted quite a bit of space to the events that would hardly be mentioned in any popular magazine these days. Some of them were fleeting and merely curious, some truly timeless. Many of the articles and notes were devoted to physics: the people, the discoveries, the inventions, the conventions. I found the reading both entertaining and enlightening and would like to offer a sampler here. I hope that these little tidbits of history will lighten up the classroom discussions and help inspire your students by reminding them that physics is a dynamic, ever-changing field to which they may well contribute one day. I have found that my own students love it when a little bit of history is brought up; it always generates interesting questions and seems to spark the students' interest in the topic.

  5. 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 Si

  6. 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...

  7. Sediment Composition of periplatform sediments and calciturbidites around Pedro Bank, Southwestern Caribbean Sea

    OpenAIRE

    Andresen, Nils

    2000-01-01

    Spatial and temporal variations in the carbonate production and sediment export of the Pedro Bank carbonate platform were studied in response to the late Quaternary sea level fluctuations. A set of nine sediment cores were obtained from up- and downcurrent position to Pedro Bank to form a downcurrent offbank transect that covers the proximal toe-of-slope to a distal basinal setting. The sediments studied were deposited between 650 to 2520 meter below recent sea level, and reach back until oxy...

  8. Sistema de videovigilancia utilizando recursos de LAN

    OpenAIRE

    Fernández García, David

    2007-01-01

    El objetivo principal de este proyecto es realizar un sistema de información que sea capaz de efectuar video vigilancia. Este sistema de información está formado por un servidor y un número, en principio, limitado de clientes

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

    Directory of Open Access Journals (Sweden)

    Claudia MITITELU

    2014-11-01

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

  10. Sharing China's Bank Restructuring Bill

    Institute of Scientific and Technical Information of China (English)

    Guonan Ma

    2006-01-01

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

  11. Back Pain and Neuraxial Anesthesia.

    Science.gov (United States)

    Benzon, Honorio T; Asher, Yogen G; Hartrick, Craig T

    2016-06-01

    The incidence of back pain after neuraxial anesthesia in the adult population is not different from that after general anesthesia. The pain is usually mild, localized in the low back, rarely radiates to the lower extremities, and has a duration of only a few days. The risk factors for development of back pain include the lithotomy position, multiple attempts at block placement, duration of surgery longer than 2.5 hours, body mass index ≥32 kg/m, and a history of back pain. However, there is no permanent worsening of preexisting back pain after neuraxial anesthesia. The back pain has been attributed to tears in the ligaments, fascia, or bone with localized bleeding; immobility of the spine; relaxation of the paraspinal muscles under anesthesia; flattening of the normal lumbar convexity; and stretching and straining of the lumbosacral ligaments and joint capsules. The addition of an anti-inflammatory drug to the local anesthetic used for skin infiltration may decrease the incidence and severity of back pain. The use of spinal or epidural anesthesia in the adult, non-obstetric and obstetric populations should depend on the advantages offered by the technique and not on the occurrence of back pain after the procedure. Additional studies are needed to confirm the efficacy of epidural dexamethasone, or other steroids, or the addition of an anti-inflammatory drug to the local anesthetic infiltration for the prevention of back pain after neuraxial anesthesia. Future studies should involve a physician with expertise in the evaluation of chronic low back pain to help identify the cause of the back pain and institute appropriate treatment(s). PMID:27195644

  12. 12 CFR 7.3000 - Bank hours and closings.

    Science.gov (United States)

    2010-01-01

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

  13. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati

    2013-03-01

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

  14. 12 CFR 7.2024 - Staggered terms for national bank directors and size of bank board.

    Science.gov (United States)

    2010-01-01

    ... size of bank board. 7.2024 Section 7.2024 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF... bank directors and size of bank board. (a) Staggered terms. Any national bank may adopt bylaws that... bylaws so amended. (b) Maximum term. Any national bank director may hold office for a term that does...

  15. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati -

    2013-03-01

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

  16. Banking on Corporate Social Responsibility

    Directory of Open Access Journals (Sweden)

    Timothy Rice

    2015-10-01

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

  17. Preventive aspects regarding back pain.

    Science.gov (United States)

    Dorner, Thomas E; Crevenna, Richard

    2016-02-01

    Prevention, as the act of keeping from happening, aims to avert things that would occur if no intervention would be taken. From the epidemiology of back pain, consequences of the disease that are worth preventing can be derived. Biological, psychological, and social factors lead to back pain and chronification and ultimately to various adverse outcomes. The most important preventable consequences of back pain include loss of ability to function in daily life, loss of work productivity, sickness absence, and disability pension, excessive and inappropriate healthcare utilisation, impairments in quality of life, and disturbance of sexual life. The most important tools for prevention of back pain lie within rehabilitation after acute pain treatment and include exercise and physical training as well as health education and increasing health literacy. The bio-psycho-social nature of back pain must be taken into account in all preventive measures. PMID:26695480

  18. INFORMATION FROM THE BANK

    CERN Multimedia

    1999-01-01

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

  19. Georges Bank conflict resolved

    Science.gov (United States)

    Robb, David W.

    1984-04-01

    The International Court of Justice has resolved the long-term conflict between the United States and Canada over claims to mineral and living resources lying along the countries' common Atlantic maritime border. On October 12, in a 4-1 decision, the World Court rejected the United States' claim to the entire Georges Bank area, a region of the Continental Shelf off Massachusetts and Nova Scotia that is a prime fishing ground and is believed to have good potential for oil and gas deposits as well. The disputed area is roughly the top third of the Georges Bank area. The court awarded each country approximately half of this disputed area. No appeals are allowed under this decision.

  20. Danske Bank vildleder

    DEFF Research Database (Denmark)

    Ravn, Ib

    2014-01-01

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

  1. Crowdfunding: disintermediated investment banking

    OpenAIRE

    Rubinton, Brian J

    2011-01-01

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

  2. Measuring Central Bank Communication:

    OpenAIRE

    David Lucca; Francesco Trebbi

    2008-01-01

    We present a new automated, objective and intuitive scoring method to measure the content of central bank communication about future policy rate moves. We apply the methodology to statements released by the Federal Open Market Commitee (FOMC) after monetary policy meetings. Using high-frequency financial data, we find that yields on short-term risk-free nominal rates respond both to changes in policy rates and the content of the statements, whereas, medium and long-term rates only respond to ...

  3. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, George; Meiklejohn, Sarah

    2015-01-01

    Current cryptocurrencies, starting with Bitcoin, build a decentralized blockchain-based transaction ledger, maintained through proofs-of-work that also generate a monetary supply. Such decentralization has benefits, such as independence from national political control, but also significant limitations in terms of scalability and computational cost. We introduce RSCoin, a cryptocurrency framework in which central banks maintain complete control over the monetary supply, but rely on a distribut...

  4. Filter Bank Fusion frames

    OpenAIRE

    Chebira, Amina; Fickus, Matthew; Mixon, Dustin G.

    2011-01-01

    In this paper we characterize and construct novel oversampled filter banks implementing fusion frames. A fusion frame is a sequence of orthogonal projection operators whose sum can be inverted in a numerically stable way. When properly designed, fusion frames can provide redundant encodings of signals which are optimally robust against certain types of noise and erasures. However, up to this point, few implementable constructions of such frames were known; we show how to construct them using ...

  5. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, G.; Meiklejohn, S.

    2016-01-01

    Current cryptocurrencies, starting with Bitcoin, build a decentralized blockchain-based transaction ledger, maintained through proofs-of-work that also serve to generate a monetary supply. Such decentralization has benefits, such as independence from national political control, but also significant limitations in terms of computational costs and scalability. We introduce RSCoin, a cryptocurrency framework in which central banks maintain complete control over the monetary supply, but rely on...

  6. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

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

  7. Internet Banking and the question of Bank Run: lesson from the Northern Rock Bank case

    Directory of Open Access Journals (Sweden)

    Nathalie Janson

    2009-10-01

    Full Text Available The subprime crisis triggered a series of bankruptcies and bank runs at a level never experienced since the Great Depression. The banking environment radically changed since the 1930’s, in particular the development of infor mation technology decreases considerably the cost of information. Furthermore internet banking increases severely the speed at which the demand for withdrawals are addressed to troubled banks. In the past demand for withdrawals could be slow down by fact t hat depositors had to physically « queue » and by the existence of opening hours of banks branches. Given these new circumstances a liquidity shortage may have an even more severe consequence on a bank since the delay between the « bad news » and the bank run can shorten dramatically. Indeed the Northern Rock Bank case in Great Britain illustrates that situation where a bank unable to borrow from its peers in the interbank market is within few hours ran by its depositors. The aim of the paper is to analyze the consequences of the major instability introduced by internet banking on the bank’s ability to manage a liquidity crisis and an opportunity to discuss further the so - called “endemic instability” of the fractional reserve banking system

  8. Weak institutions and credit availability: the impact of crime on bank loans

    OpenAIRE

    Emilia Bonaccorsi di Patti

    2009-01-01

    This paper analyzes the relationship between the terms on bank loans and local crime rates, employing a sample of over 300,000 bank-firm relationships. Controlling for firm, market and bank characteristics the results show that where the crime rate is higher borrowers pay higher interest rates, pledge more collateral, and resort less to asset-backed loans and more to revolving credit lines than borrowers in low-crime areas. The evidence also suggests that access to credit is adversely affecte...

  9. Going back to Java.

    Science.gov (United States)

    Critchfield, R

    1985-01-01

    decline in the death rate, especially in infant mortality, and an increase in life expectancy have meant a rise in annual overall growth back to the present 1.9-2.2%. Despite the present disappointment, Indonesia's government-sponsored family planning campaigns have shown how village culture can be harnessed to promote change. PMID:12314276

  10. Going back to Java.

    Science.gov (United States)

    Critchfield, R

    1985-01-01

    decline in the death rate, especially in infant mortality, and an increase in life expectancy have meant a rise in annual overall growth back to the present 1.9-2.2%. Despite the present disappointment, Indonesia's government-sponsored family planning campaigns have shown how village culture can be harnessed to promote change.

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

    Directory of Open Access Journals (Sweden)

    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.

  12. Strategic positioning in banking industry: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Hedieh Mashoof

    2014-08-01

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

  13. Lumbar Disc Screening Using Back Pain Questionnaires: Oswestry Low Back Pain Score, Aberdeen Low Back Pain Scale, and Acute Low Back Pain Screening Questionnaire

    OpenAIRE

    Kim, Do Yeon; Oh, Chang Hyun; Yoon, Seung Hwan; Park, Hyung Chun; Park, Chong Oon

    2012-01-01

    Objective To evaluate the usefulness of back pain questionnaires for lumbar disc screening among Korean young males. Methods We carried out a survey for lumbar disc screening through back pain questionnaires among the volunteers with or without back pain. Three types of back pain questionnaire (Oswestry Low Back Pain Score, Aberdeen Low Back Pain Scale, and Acute Low Back Pain Screeing Questionnaire) were randomly assigned to the examinees. The authors reviewed lumbar imaging studies (simple ...

  14. 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. PMID:24728096

  15. 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.

  16. COMPARATIVE STUDY OF OWN FUNDS IN THE BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Tesu Ramona

    2012-12-01

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

  17. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  18. Customer perceptions on Internet banking information protection

    OpenAIRE

    André Redlinghuis; Chris Rensleigh

    2010-01-01

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

  19. Prevention of occupational Back Pain

    Directory of Open Access Journals (Sweden)

    Sultan T Al-Otaibi

    2015-01-01

    Full Text Available This paper reviews scientific research on occupational back pain and focuses on prevention of this problem. It discusses some of the challenges of translating the evidence of this multi-factorial condition into policy. Medical science is currently unable to clearly distinguish between back pain caused by work and that possibly due to other causes but which affects the individual′s capacity to work. Back pain affects the vast majority of people at some point in their lives and is very costly to both the health care system and the industry. Evidence suggests that heavy lifting, driving, and vibration of the whole body are linked to occupational back pain. Once the risk factors for occupational back pain are identified, an otherwise chronic and disabling condition can be prevented in the majority of patients. As explained in this article, three levels of prevention for occupational back pain have been reported as effective. Failure to implement preventive measures may lead to a high incidence of occupational back pain.

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

    Science.gov (United States)

    Aznar Lucea, Justo

    2012-01-01

    The creation of umbilical cord blood (UCB) banks raises interesting medical, social, economic and ethical issues. This paper reviews the ethical problems specifically. In this respect, it evaluates: a) whether there are advantages to the use of UCB compared to bone marrow, b) whether or not it is ethical to create UCB banks, c) whether their creation is ethically acceptable in terms of their clinical usefulness or d) the use made of them for therapeutic purposes, and finally e) whether their creation is ethically justified from a cost/profitability point of view. We focus primarily on evaluating the ethical controversy between public and private banks, particularly on whether it is ethical to bank autologous blood in private UCB banks, on the basis of its limited possibilities for use by the cord blood donor. We can conclude that, from an ethical point of view, autologous blood banks have limited acceptance among specialised researchers, scientific societies and other public institutions. Therefore, we believe that it is ethically more acceptable to support the creation of public UCB banks for medical and social reasons and, above all, based on the principle of justice and human solidarity. Nevertheless, there is no definitive ethical argument why a couple, according to their autonomy and freedom, cannot bank their child's UCB in a private bank. An equally acceptable solution could be the creation of mixed banks, such as that proposed by the Virgin Health Bank or like the Spanish system where autologous samples can be stored in public banks but with the proviso that if at any time the stored sample is required by any person other than the donor, it would have to be given to them. PMID:23130743

  1. UMBILICAL CORD BLOOD BANKS. ETHICAL ASPECTS. PUBLIC VERSUS PRIVATE BANKS

    Directory of Open Access Journals (Sweden)

    Justo Aznar Lucea

    2012-01-01

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

  2. Ownership Concentration and Bank Performance: Evidence from MENA Banks

    OpenAIRE

    Rim Boussaada; Majdi Karmani

    2015-01-01

    This paper analyzes the impact of ownership concentration on MENA banks’ performance over the period 2004-2011. The sample includes 38 commercial banks belonging to ten countries of the MENA region. We use an econometric method that deals with the endogeneity problems that have arisen in the corporate governance literature. We show that ownership concentration is significant in explaining performance differences between MENA banks. Our analysis shows that bank performance depends on the ident...

  3. Performance of Tunisian Banks Following Transformations of Banking Activities

    OpenAIRE

    Bassem Salhi; Younes Boujelbene

    2012-01-01

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

  4. Bank Debt Regulations Implications for Bank Capital and Bond Risk

    OpenAIRE

    Stig Helberg; Snorre Lindset

    2013-01-01

    We use a structural model of default risk to study how optimal bank capital and bond risk are influenced by deposit insurance, implicit guarantees, depositor preference, asset encumbrance, and bail-in resolution frameworks. We find that these features of bank financing, in addition to having an immediate impact on bond debt risk, also change optimal bank capital, countering the first-order effect on bond debt risk. Bondholders' risk is thereby not materially affected, but shareholder value an...

  5. Sistema Distribuido de Gran Escala

    Directory of Open Access Journals (Sweden)

    Fco. Javier Luna Rosas

    2006-01-01

    Full Text Available Este artículo propone una nueva forma de balancear la carga dinámicamente combinando un modelo Fuzzy-Logic en conjunto con el algoritmo distribuido Request for Bids (RB, el trabajo es centrado en el modelo Fuzzy-Logic con el propósito de mejorar el balanceo dinámico de carga en un sistema distribuido a gran escala. El modelo Fuzzy-Logic y RB fueron implementados en una arquitectura para balancear la carga bajo el estándar de CORBA y fueron evaluados contra otras estrategias que son bien conocidas en la literatura usando diferentes métricas de carga y mostramos como bajo ciertas condiciones nuestra estrategia obtiene mejores resultados.

  6. 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 ...

  7. Sistemas de comunicaciones para vuelos no tripulados

    OpenAIRE

    Correa Vila, Alejandro

    2008-01-01

    La iniciativa ATLANTIDA engloba numerosos estudios de ingeniería con el objetivo de reformar el actual sistema de gestión del tráfico aéreo. Dentro de estos estudios se encuentran diversas investigaciones en el campo de las comunicaciones móviles. La gran variabilidad del entorno aeronáutico promueve el estudio de sistemas de comunicaciones móviles capaces de funcionar en este tipo de entorno. Este proyecto propone un sistema de comunicaciones WiMAX en un entorno aeronáutico con aviones no tr...

  8. Sistemas Avanzados de Asistencia al Conductor

    OpenAIRE

    Jimenez Ruiz, Francisco; Gómez Casado, Oscar; Naranjo Hernández, José Eugenio; Serradilla García, Francisco; López, José María; Martín, Ángel

    2011-01-01

    El control inteligente de vehículos autónomos es uno de los retos actuales más importantes de los Sistemas Inteligentes de Transporte. La aplicación de técnicas de inteligencia artificial para la gestión automática de los actuadores del vehículo permite a los diferentes sistemas avanzados de asistencia al conductor (ADAS) y a los sistemas de conducción autónoma, realizar una gestión de nivel bajo de una manera muy similar a la de los conductores humanos, mejorando la seguridad y el confor...

  9. Sistemas basados en conocimiento usando Prolog

    OpenAIRE

    Zenaida García Valdivia; Isis Bonet Cruz; Maikel León Espinosa; Pedro Y. Piñero Pérez

    2011-01-01

    Se exponen algunos de los resultados alcanzados en la Universidad Central "Marta Abreu" de Las Villas en cuanto al uso de un lenguaje de Programación Lógica (Prolog) en la elaboración de Sistemas Basados en Conocimiento para diferentes áreas del saber como son la medicina, soldadura, educación, sistemas eléctricos de potencia, entre otros. Todos los sistemas elaborados utilizan el paradigma de la programación lógica para la representación del conocimiento de los expertos en los temas en cuest...

  10. Sistemas agroforestales ¿pasado o futuro?

    OpenAIRE

    Arribas Lumbreras, Teresa; Blas Morente, Alejandro; Barreiro Elorza, Pilar; Hernández Díaz-Ambrona, Carlos Gregorio

    2011-01-01

    Los sistemas agroforestales han sufrido un decrecimiento continuo durante las últimas décadas, en especial en países de la UE debido a la PAC. La estimación para el año 2050 según la FAO indica la necesidad de aumentar considerablemente la cantidad de alimentos, y por tanto dichos sistemas mixtos árbol-cultivo pueden convertirse en técnicas efectivas y rentables de cultivo. Mediante la exposición de dos casos prácticos, en Colombia y España, se describirá cómo los sistemas agroforestales pued...

  11. Soporte de sistemas para procesos colaborativos

    OpenAIRE

    Grosclaude, Eduardo

    2005-01-01

    Las experiencias de enseñanza-aprendizaje basadas en plataformas colaborativas se ven afectadas por problemas de disponibilidad provocados por diversos modos de falla de los sistemas que los soportan. El concepto de disponibilidad sugiere incorporar a la gestión de los sistemas la prevención y resolución de esos eventos de falla. La identi cación y eliminación de los puntos únicos de falla mediante el patrón básico de la redundancia permite aproximar el comportamiento de los sistemas resilien...

  12. Share!: Sistema para compartir contenidos multimedia

    OpenAIRE

    Cimas Bravo, Eduardo

    2015-01-01

    Este trabajo consiste en un sistema informático destinado a la compartición de contenidos multimedia entre grupos restringidos de usuarios. Los contenidos pueden ser imágenes, vídeos y audios. Este sistema se compone de dos aplicaciones, una aplicación web y una aplicación móvil para dispositivos Android. La esencia del sistema es proporcionar un mecanismo para compartir rápidamente contenidos multimedia entre usuarios. Los contenidos pueden estar ya en sus dispositivos móviles o ser capturad...

  13. 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...

  14. 78 FR 62333 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-17

    ...; ] 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...

  15. 76 FR 58005 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-09-19

    ... Investors of America LLC, Newport Beach, California, a Delaware limited liability company; Allianz Global... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The...

  16. 77 FR 64115 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-18

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

  17. SHARIA BANKING PERFORMANCE IN MAKASSAR

    Directory of Open Access Journals (Sweden)

    Salmah Said

    2015-06-01

    Full Text Available This study aims to analyze the performance of Islamic banking in Makassar. Data collected using questionnaires which was distributed to seven Islamic banks. Supporting data obtained from Bank Indonesia, representatives Makassar and Bank Indonesia’s website. Data then were analyzed using financial ratios, particularly Non Performing Financing (NPF and Financing to Deposit Ratio (FDR. The results showed that NPF was 1.49% and FDR reached 201.67%. The first ratio indicates low financing problems, while the second shows a high ratio financing provided to society. Furthermore, Islamic principles applied in the system, mechanism, and products offered by the Islamic banking is such a value-added for the societies, which is not found in the conventional ones. The high financial performance of Islamic banking outperforms its counterparts shows significant potential to grow rapidly in the future.

  18. E-banking Complexities and the Perpetual Effect on Customer Satisfaction in Rwandan Commercial Banking Industry: Gender as a Moderating Factor

    Directory of Open Access Journals (Sweden)

    Machogu AM

    2015-12-01

    Full Text Available The marvelous kinds of innovation in technology and hard line blend of it with information technology has made a paradigm shift in the banking industry. Transformation from traditional, bricks-and-mortar banking to E-banking has been momentous. The major innovation in technology have been a major force in the radical transformation that has led to the geographical, legal and industrial barriers and has led to the creation of new products and services more so in the banking industry. E-banking can be traced back to as early as 1970s. The main two reason as to why banks began replacing some of their traditional branch functions include:- Firstly, the setup and maintenance of branches was very expensive because of the overhead expenses associated with them, and Secondly, E-banking products/services created a completive advantage for the banks that utilized them. E-banking is a composite of various or technologies, such as telephone (both landline and cell phones, direct bill payment i.e. (Electronic Funds Transfer (EFT and PC or Internet banking and mobile banking. The five main basic services associated with ebanking include: view of account balances and transaction histories; paying bills; transferring funds between accounts; requesting credit card advances; and ordering checks. The objective of this study to evaluate the perceptual view of the male and female respondents on the e-banking complexities and how they affect the male and female customer’s satisfaction. The research evaluated the view of the respondents based on their demographic profile on the E-banking complexities and its effects on their satisfaction. This research was perceptual-tailored and relationship-oriented; identifying the underpinning e-banking complexities, and how they are influenced by the customer’s gender and its effect on customer satisfaction. The study used the descriptive and co relational research designs. The respondents sampled in this study were only

  19. Oligopoly banking and capital accumulation

    OpenAIRE

    Nicola Cetorelli; Pietro F. Peretto

    2000-01-01

    We develop a dynamic general equilibrium model of capital accumulation where credit is intermediated by banks operating in a Cournot oligopoly. The number of banks affects capital accumulation through two channels. First, it affects the quantity of credit available to entrepreneurs. Second, it affects banks' decisions to collect costly information about entrepreneurs, and thus determines the efficiency of the credit market. We show that under plausible conditions, the market structure that ma...

  20. Managing Operational Risk In Banks

    OpenAIRE

    2010-01-01

    Recent years have emphasized focus on risk management, and it became clear that there is an urgent need for a robust framework to effectively manage risk. The financial and economic crisis showed the importance of a strong risk management process and forced banks to take a critical look at how they manage risks. Romanian banking system has known significant changes determined by the implementation of Basel II requirements. These requirements determined an important effort of the banks to impr...

  1. Credit risk management in banks

    OpenAIRE

    Pětníková, Tereza

    2014-01-01

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

  2. The Promotion of Banking Services

    OpenAIRE

    IVAN Rica

    2012-01-01

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

  3. 12 CFR 7.1010 - Postal service by national bank.

    Science.gov (United States)

    2010-01-01

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

  4. The Limits to Giving Back

    Directory of Open Access Journals (Sweden)

    Jade S. Sasser

    2014-07-01

    Full Text Available In this thematic section, authors consider the limitations on giving back that they faced in field research, or saw others face. For some authors, their attempts at giving back were severely limited by the scope of their projects, or their understandings of local cultures or histories. For others, very specific circumstances and historical interventions of foreigners in certain places can limit how and to what extent a researcher is able to have a reciprocal relationship with the participating community. Some authors, by virtue of their lesser positions of power relative to those that they were studying, simply decided not to give back to those communities. In each article it becomes apparent that how and in what ways people give back is unique (and limited both to their personal values and the contexts in which they do research.

  5. Back Bay Wilderness area description

    Data.gov (United States)

    US Fish and Wildlife Service, Department of the Interior — This document is a description of the lands located within the Back Bay National Wildlife Refuge. Within these lands, it designates which area is suitable for...

  6. Back Pain and Emotional Distress

    Science.gov (United States)

    ... have been successfully used in the management of pain and anxiety. These include stress management, relaxation training, biofeed- back, hypnosis and cognitive-behavioral therapy (a method to reduce ...

  7. The organisation and role of the Euro skin bank

    International Nuclear Information System (INIS)

    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

  8. Halcyon Days of the Banks?

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

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

  9. Jordan Banks Financial Soundness Indicators

    Directory of Open Access Journals (Sweden)

    Imad Kutum

    2015-09-01

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

  10. Banking Integration in European Context

    Directory of Open Access Journals (Sweden)

    Roxana Bădîrcea

    2016-05-01

    Full Text Available The integration of different states in a already existing union or in a new one represents a long-lasting process involving harmonisations on various fields – political, economic, legislative, social, cultural, technological, informational, etc. Besides the integration of the states and of the different authorities in a common mechanist, the business organizations also have to comply with certain standards and to align to certain procedures. The banking system is not an exception being probably one of the pillars of the economic and financial integration of a state in a union. Banking integration may be considered the process leading to a convergence towards a single market for all products, processes, procedures, standards, transactions from the banking field. All sets of standards, mechanisms and procedures should be observed both by banks, regulation and control bodies, but also by customers. Only in this way one can create the premises for the most favourable banking transactions. The integration of the banking system in a union is determined, conditioned and influenced by a series of factors. Based on the data published by the Bank for International Settlements, the authors carry out a close and pertinent empirical analysis of the banking assets flows between the Eurozone countries in the period 2000-2014. The paper also deals with the commitments that the recent economic-financial crisis created on the banking assets flows. The authors resort to regression equations in order to demonstrate the connection between the effects of banking integration and various factors involved (the relative dimension of the country, the significance of the banks in the financial system, the Herfindhal index, the degree of concentration or dispersion of the property on banks, the degree of independence, the tradition of law. In order to measure the level of banking integration of the national bank systems, the indices we used are the degree of openness

  11. Breaking e-Banking CAPTCHAs

    OpenAIRE

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

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Dr.K.Kavitha

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

  13. Tissue bank: Sri Lanka

    International Nuclear Information System (INIS)

    Human degenerative diseases and congenital defects are common throughout the world. Many people suffer also from burns, fractures and nerve damage resulting from traumatic accidents and outbreaks of violence which occur all too frequently, especially in poorer countries. Far too many people are impaired for life because they have no access to treatment or simply cannot afford it. The Department of Technical Co-operation is sponsoring a programme, with technical support from the Division of Nuclear Medicine, to improve facilities at the Sri Lanka Tissue Bank. (IAEA)

  14. Norges Bank Watch 2006

    OpenAIRE

    Dørum, Øystein; Holden, Steinar

    2006-01-01

    Overall, monetary policy in Norway is quite successful. The interest rate setting in the past 2-3 years has contributed to a strong development of the Norwegian economy, without sacrificing price stability. Now, the issue is when and by how much monetary policy should be tightened, to avoid an excessive stimulation of the economy. Since the adoption of an inflation target five years ago, Norges Bank has been determined to learn and improve, as well as to being open and transparent. The Ban...

  15. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

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

  16. BEST BANKS TO BUY IN CHINA

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

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

  17. 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...

  18. Online Banking Customers: Insights from Germany

    Directory of Open Access Journals (Sweden)

    Sven Christian Berger

    2007-04-01

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

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

    Directory of Open Access Journals (Sweden)

    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.

  20. Sistemas basados en conocimiento usando Prolog

    Directory of Open Access Journals (Sweden)

    Zenaida García Valdivia

    2011-10-01

    Full Text Available Se exponen algunos de los resultados alcanzados en la Universidad Central "Marta Abreu" de Las Villas en cuanto al uso de un lenguaje de Programación Lógica (Prolog en la elaboración de Sistemas Basados en Conocimiento para diferentes áreas del saber como son la medicina, soldadura, educación, sistemas eléctricos de potencia, entre otros. Todos los sistemas elaborados utilizan el paradigma de la programación lógica para la representación del conocimiento de los expertos en los temas en cuestión y además hacen uso de entornos agradables a los usuarios a través interfaces visuales elaboradas en ambientes de programación para súper lenguajes ó utilizan un conjunto de herramientas para la elaboración de sistemas sobre la Web

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

    OpenAIRE

    Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi

    2015-01-01

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

  2. EVIDENCE ON E-BANKING QUALITY IN THE CHINA COMMERCIAL BANK SECTOR

    OpenAIRE

    Zhengwei Ma; Luying Ma; Jinkun Zhao

    2011-01-01

    In the global bank sector, cost savings potential and speed of information transmission are reason to rapidly develop E-banking. In China, there are 130 commercial banks, most of which supply E-banking service to their customers. This paper analyzes factors that influence E-banking quality in the commercial bank sector in China. The results will help financial organizations formulate appropriate marketing strategies for E-banking, and commercial banks to increase customer satisfaction. Based ...

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

    OpenAIRE

    Ali Sanayei; Arash Shahin; Hamideh Salimian

    2014-01-01

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

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

    OpenAIRE

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

    2012-01-01

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

  5. Saving a Bank? Cracking the Case of the Fortis Bank?

    NARCIS (Netherlands)

    Pruyt, E.

    2009-01-01

    This paper presents a simple experimental System Dynamics model of the underlying value and stock market value of a bank to analyze a loss of trust the a bank. The System Dynamics model was developed on 28 September 2008 –the day the governments of the Benelux countries met in a great hurry to rescu

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

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

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

  7. Contagious bank failures in a free banking system

    NARCIS (Netherlands)

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

    2000-01-01

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

  8. El Sistema Nacional de Cualificaciones Profesionales

    OpenAIRE

    Brezmes Arceredillo, Ricardo

    2014-01-01

    El trabajo aborda el Sistema Nacional de Cualificaciones y Formación Profesional desgranando anteriormente conceptos básicos para su entendimiento como son las competencias laborales y profesionales, las cualificaciones profesionales y el Catálogo Nacional de Cualificaciones Profesionales entre otros. Se trata de analizar estos conceptos y reflexionar sobre ellos en las conclusiones de trabajo para así extraer una idea de lo que el Sistema Nacional de Cualificaciones y Formació...

  9. 12 CFR 225.101 - Bank holding company's subsidiary banks owning shares of nonbanking companies.

    Science.gov (United States)

    2010-01-01

    ...) apply to the aggregate amount of stock held in a particular organization by the bank holding company... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Bank holding company's subsidiary banks owning... company's subsidiary banks owning shares of nonbanking companies. (a) The Board's opinion has...

  10. 12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

    Science.gov (United States)

    2010-01-01

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

  11. Gerencia de sistemas conductuales y cambio organizacional

    Directory of Open Access Journals (Sweden)

    Guillermo E. Yáber

    1998-01-01

    Full Text Available La gerencia de sistemas conductuales es una tecnología basada en un enfoque científico para el análisis del comportamiento en sistemas humanos. Esta tecnología ayuda a las organizaciones a definir y lograr sus metas. Consiste en el análisis, especificación, diseño, implementación, evaluación y reciclaje de sistemas de motivación humana que optimizan el desempeño y desarrollo a nivel del sistema total, departamental e individual de la organización. Utiliza tres modelos: El diseño de sistemas dirigidos hacia la meta, el análisis de «Tres Contingencias» y la gerencia del desempeño para el cambio cultural. Este artículo incluye la descripción del marco teórico y metodológico de la gerencia de sistemas conductuales y su aplicación en las áreas de servicios y producción.

  12. Cost and Profit Efficiency of Online Banks: Do National Commercial Banks Perform better than Private Banks?

    Directory of Open Access Journals (Sweden)

    Baten MA

    2015-12-01

    Full Text Available This study employs the parametric approach, in particular the Stochastic Frontier Approach, to examine the cost and profit efficiency of National Commercial Banks and Private Banks in Bangladesh using stochastic frontier model. The cost inefficiency and profit efficiency are observed slightly higher for private banks than national commercial banks. The coefficient of advance (0.334 is highly significant at 1% level and the coefficient of off-balance sheet items (0.339 is significant at 5% level. Both results are positive influence to the banks for cost model. The coefficients of Advance, Other earning assets, Off-balance sheet items, Price of fixed assets and Price of labour are recorded highly significant in profit model. The average cost inefficiency and profit efficiency are observed 16.3% and 91% respectively. The lowest cost inefficiency is 5.3% for United Commercial Bank Limited while the highest cost inefficiency is 44.7% for Janata Bank. The lowest profit efficiency is 76.9% for Janata Bank while the highest profit efficiency is 94.9% for Eastern Bank Limited.

  13. Asian Banks: Leading the Way to Recovery

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

    @@ The global financial crisis has rocked the American and European Union banking system leaving many Western banks teetering on the verge of bankruptcy.But in the East,Asian banks have fared well so far.

  14. Causes of banking crises revisited

    NARCIS (Netherlands)

    Klomp, J.G.

    2010-01-01

    We examine to what extent there exists heterogeneity in the causes of a banking crisis. For this purpose, we use a random coefficient logit model including 110 countries between 1970 and 2007. We conclude that there exists significant heterogeneity in the causes of a banking crisis. We find that a h

  15. BioMagResBank.

    NARCIS (Netherlands)

    Ulrich, E.L.; Akutsu, H.; Doreleijers, J.; Harano, Y.; Ioannidis, Y.E.; Lin, J.; Livny, M.; Mading, S.; Maziuk, D.; Miller, Z.; Nakatani, E.; Schulte, C.F.; Tolmie, D.E.; Wenger, R Kent; Yao, H.; Markley, J.L.

    2008-01-01

    The BioMagResBank (BMRB: www.bmrb.wisc.edu) is a repository for experimental and derived data gathered from nuclear magnetic resonance (NMR) spectroscopic studies of biological molecules. BMRB is a partner in the Worldwide Protein Data Bank (wwPDB). The BMRB archive consists of four main data deposi

  16. West Bank and Gaza : Teachers

    OpenAIRE

    World Bank, (WB)

    2010-01-01

    The West Bank and Gaza is focusing on strengthening its education system: provision of schooling is relatively equitable and increased decentralization is planned. West Bank & Gaza (WB&G) spent 1.3 percent on public education as a percentage of Gross Domestic Product (GDP). This year, the Palestinian Authority (PA) published a report entitled Homestretch to Freedom, which outlines the obj...

  17. MODELS OF BANKING RISKS MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Bente Corneliu Cristian

    2009-05-01

    Full Text Available Banking risks management as a fundamental element of banking management aims at diminishing as much as possible the negative impact of risk factors, at minimizing losses by expenditures cut-off and maximizing direct and transferred influxes, changing the

  18. Central bank independence and ageing

    OpenAIRE

    Farvaque, Etienne; Héricourt, Jérôme; Lagadec, Gaël

    2008-01-01

    We contrast the influence of demography and central bank independence on inflation. The recent demographic trends in developed countries are shown to weight more on inflation than central bank independence, while the contrary stands for the period from 1960 to 1979.

  19. Bank capital management : International evidence

    NARCIS (Netherlands)

    De Jonghe, O.G.; Öztekin, Ö.

    2015-01-01

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

  20. Bank performance and corporate culture

    NARCIS (Netherlands)

    Stentella Lopes, F.S.

    2015-01-01

    This thesis has three chapters and focuses on the performance of banks and on corporate culture. The first two chapters focus on bank performance and economic expectations. Specifically, the first chapter sheds light on the consistency between investors’ reaction to merger announcement and bankers’