WorldWideScience

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. Do European Banks with a Covered Bond Program still issue Asset-Backed Securities for funding?

    NARCIS (Netherlands)

    Boesel, Nils; Kool, C.J.M.; Lugo, S.

    2016-01-01

    The decline in the issuance of Asset-Backed Securities (ABS) since the financial crisis and the comparative advantage of Covered Bonds (CBs) as a funding alternative to ABS raise the question whether banks still issue ABS as a mean to receive funding. Employing double-hurdle regression models on a d

  4. Gestión de un Sistema de Back-ups

    OpenAIRE

    Macho Adalia, Juan Carlos

    2010-01-01

    Proyecto Fin de Carrera leído en la Universidad Rey Juan Carlos en el curso académico 2009/2010. Tutor del Proyecto: Javier Martínez Moguerza El siguiente Proyecto Fin de Carrera consistirá en la instalación y gestión de un sistema de back-up. Es decir, trataremos desde la instalación del software, llamado Backup Exec 2010, hasta su conexión y gestión con la librería robótica usada para realizar las copias de seguridad. Relacionado al robot, llamado Sun StorageTek L180, explica...

  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. Back to basics: The current competitive strategy of HSBC Bank Canada

    OpenAIRE

    Sheppard, Christopher Patrick

    2007-01-01

    This paper analyzes HSBC Bank Canada’s current strategy for competing within the Canadian banking industry. HSBC Bank Canada has enjoyed considerable financial success over the past couple of decades. However, the overall direction of the industry is towards lower, interest-rate spreads and intensified competition. Many of the bank’s primary competitors are reducing costs through a variety of means, such as centralization and automation of processes. In order for HSBC Bank Canada to succeed i...

  7. 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.

  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. Removing bank subsidies leads inexorably to full reserve banking

    OpenAIRE

    Musgrave, Ralph S.

    2013-01-01

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

  10. Back Injuries

    Science.gov (United States)

    ... extending from your neck to your pelvis. Back injuries can result from sports injuries, work around the house or in the garden, ... back is the most common site of back injuries and back pain. Common back injuries include Sprains ...

  11. 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.

  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

    Directory of Open Access Journals (Sweden)

    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

    Directory of Open Access Journals (Sweden)

    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. The quality data procedure approach of the informative system of the Central Bank of Cuba Enfoque del procedimiento de calidad de datos del sistema informativo del Banco Central de Cuba

    Directory of Open Access Journals (Sweden)

    Ramiro A. Pérez Vázquez

    2012-05-01

    Full Text Available This paper provides a systematic approach for improving and creating data and information quality at Banking System.It explains a procedure that defines and applies in practice on financial data by choosing the appropriate activities, processes, techniques and tools assessment to determine which are most appropriate to be integrated into our organization. The procedure encompasses five major phases. El objetivo del trabajo es el análisis y definición de un procedimiento de calidad de datos financieros en el actual sistema informativo bancario, para el posterior diseño e implementación de servicios automatizados integrados: servicios online (procesos de validación y servicios Batch (procesos de verificación en donde se compruebe y decida si se manejan datos financieros y/o contables confiables asegurando la calidad de su entrada, con la finalidad de contar con información precisa, actualizada y oportuna, ejerciendo un impacto positivo en el apoyo a los analistas bancarios en el cumplimiento de sus funciones.

  16. Enfoque del procedimiento de calidad de datos del sistema informativo del Banco Central de Cuba The quality data procedure approach of the informative system of the Central Bank of Cuba

    Directory of Open Access Journals (Sweden)

    Verónica Évora Torres

    2012-05-01

    Full Text Available El objetivo del trabajo es el análisis y definición de un procedimiento de calidad de datos financieros en el actual sistema informativo bancario, para el posterior diseño e implementación de servicios automatizados integrados: servicios online (procesos de validación y servicios Batch (procesos de verificación en donde se compruebe y decida si se manejan datos financieros y/o contables confiables asegurando la calidad de su entrada, con la finalidad de contar con información precisa, actualizada y oportuna, ejerciendo un impacto positivo en el apoyo a los analistas bancarios en el cumplimiento de sus funciones.This paper provides a systematic approach for improving and creating data and information quality at Banking System.It explains a procedure that defines and applies in practice on financial data by choosing the appropriate activities, processes, techniques and tools assessment to determine which are most appropriate to be integrated into our organization. The procedure encompasses five major phases.

  17. FRACTIONAL BANKING

    OpenAIRE

    Maria Klimikova

    2010-01-01

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

  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. Back Pain

    Science.gov (United States)

    ... Oh, my aching back!", you are not alone. Back pain is one of the most common medical problems, ... 10 people at some point during their lives. Back pain can range from a dull, constant ache to ...

  20. Back Pain

    Science.gov (United States)

    ... can increase your flexibility, strengthen your back and abdominal muscles, and improve your posture. Regular use of these ... best for you. Build muscle strength and flexibility. Abdominal and back muscle exercises (core-strengthening exercises) help condition these muscles ...

  1. Sistemas audiovisuales

    OpenAIRE

    Tarrés Ruiz, Francisco

    2000-01-01

    Conté: 1. Televisión analógica y digital El libro presenta una descripción detallada de los diferentes sistemas de televisión analógica y digital e incluye un análisis exhaustivo de numerosos aspectos tecnológicos e históricos, siempre desde una perspectiva sistemática y generalista dirigida tanto a estudiantes universitarios como a técnicos de grado superior. Tras una introducción a los sistemas de comunicación visual, en la que se analizan las distintas etapas de la conversión de una...

  2. Reestructuraci??n y solvencia del sistema bancario espa??ol :rentabilidad y riesgo (2008-2012) = Restructuring and solvency in the Spanish banking system : profitability and risk (2008-2012)

    OpenAIRE

    Gil S??nchez, Silvia

    2014-01-01

    El sistema financiero espa??ol ha sufrido en los ??ltimos a??os numerosos cambios de gran relevancia, motivados en gran medida por debilidades estructurales y acentuados por la crisis financiera internacional. Este trabajo se estructura en dos bloques principales y comienza desarrollando en qu?? consiste el sistema bancario y su importancia en la econom??a. Con el objetivo de analizar la reestructuraci??n del sistema espa??ol, se ha profundizado en definir las caracter??sticas de la crisis fi...

  3. 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

  4. 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 ... lower back supports most of your body's weight. Low back pain is the number two reason that ...

  5. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

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

  6. 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.

  7. 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

    Directory of Open Access Journals (Sweden)

    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

  8. 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:

  9. 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

  10. 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.

  11. 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.

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

    OpenAIRE

    Самородов, Б. В.

    2014-01-01

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

  13. 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...

  14. Prevent Back Pain

    Science.gov (United States)

    ... and prevent back pain: Do back-strengthening and stretching exercises at least 2 or 3 times a ... risk of back pain. Do back-strengthening and stretching exercises [PDF - 244 KB] at least 2 or ...

  15. Investment Banking

    OpenAIRE

    Oana Mihaela Vãsioiu

    2008-01-01

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

  16. 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…

  17. Sistema de gestão do conhecimento para Rede Nacional de Bancos de Leite Humano A knowledge management system for the Brazilian National Network of human milk banks

    Directory of Open Access Journals (Sweden)

    Paulo Ricardo da Silva Maia

    2005-12-01

    Full Text Available Este artigo teve como objetivos demarcar conceitos que possam contribuir para ampliação do quadro teórico para gestão do conhecimento na REDEBLH. São também apresentadas as bases estruturantes para o desenho de um Sistema de Gestão do Conhecimento (SGC. Através de uma abordagem teórica evidenciam-se os fundamentos que na literatura sustentam reflexões sobre SGC. O artigo inclui ainda uma breve análise do cenário do conhecimento demarcado pela produção científica recente identificada nas unidades da rede e em sua sede. Espera-se que as questões discutidas possam viabilizar o uso de ferramentas de compartilhamento do conhecimento diminuindo as profundas diferenças culturais, econômicas e sociais no espaço de atuação da REDEBLH.This article has as objective to demarcate concepts that can contribute for enlargement of the theoretical chart for management of the knowledge in the REDEBLH. The structural bases for drawing the Knowledge Management System (KMS are also presented. It adopts a theoretical approach to present the foundations that in the literature maintain reflections about KMS. It's included still a short analysis of the setting of the knowledge demarcated by the recent scientific output identified in the units from the net and in theirs headquarters. It expects that the questions discussed can make feasible the use of tools of share of the knowledge diminishing the deep social, economic, and cultural differences in the space of action from the REDEBLH.

  18. Los Sistemas Peatonales Como Sistemas De Transporte

    Directory of Open Access Journals (Sweden)

    Lindsay Álvarez Pomar

    2015-01-01

    Full Text Available Los sistemas peatonales han cobrado importancia dentro de los sistemas de movilidad debido al aumento de los viajes peatonales. Este aumento se ha debido a la concientización de las personas sobre las ventajas de caminar, al aumento del uso de los sistemas de transporte público y en algunos casos a los escasos recursos económicos. En la última década, los sistemas peatonales han sido incluidos en la planeación de movilidad de algunas ciudades. Sin embargo, su definición formal carece del despliegue de sus componentes, así como del análisis de las interrelaciones entre los mismos. Se presenta una propuesta que puede servir de base para su definición formal, con el fin de ser usada para su análisis y diseño. Se concluye que las definiciones actuales no cubren todos los aspectos clave de los sistemas peatonales, para que puedan ser un buen soporte para la toma de decisiones sobre este tipo de sistemas y se distinguenlos componentes estructurales que se consideran importantes.

  19. 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.

  20. 中小银行开展信贷资产证券化业务相关问题研究%The Study on Issues Related to Develop Credit Asset-backed Securitization of Small and Medium Banks

    Institute of Scientific and Technical Information of China (English)

    胡才龙

    2016-01-01

     Since Chinese government simplified the process of releasing Credit asset-backed securitization in 2014, Credit asset-backed securitization market has entered into a rapid development period. This paper analyzes the small and medium banks(SMBs) is facing the excellent situation of liberal policies, multiple underlying assets into the pool, excellent market environment and so on, the implementation of Credit asset-backed securitization can help face the challenges brought by the interest rate market, enhance the management level and promote interaction development between SMBs and SMEs, but SMBs have problems of dififcult underlying assets into the pool , small issuing size, single market players and imperfect supporting measures, this paper put forward a series of speciifc suggestions.%自2014年我国政府简化信贷资产证券化流程以来,信贷资产证券化市场进入快速发展时期。本文在分析中小银行面临宽松的政策、入池基础资产合理、市场环境优越、发行主体趋于中小银行等大好形势,推行信贷资产证券化业务有助于面对利率市场化带来的挑战、提升经营管理水平、中小银行与中小企业良性互动发展,但同时存在入池基础资产筛选难度大、发行规模小、市场主体单一、配套措施不健全问题,并提出一系列针对性对策建议。

  1. Banking governance: New Approaches

    Directory of Open Access Journals (Sweden)

    Victor Mihăiţă Duţă

    2016-11-01

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

  2. Banking Reform in Georgia

    OpenAIRE

    Mercan, Metin

    2006-01-01

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

  3. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

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

  4. 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.

  5. 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.

  6. Sposobnost opstanka informacionih sistema

    OpenAIRE

    Bosko Rodic; Dejan Vuletic

    2005-01-01

    U radu je opisan znacaj i trend razvoja informacionih sistema u savremenom drustvu, a definisani su i drugi znacajni pojmovi radi boljeg razumevanja problema. Prikazana su i cetiri aspekta resenja sposobnosti opstanka informacionih sistema koje predlaze Computer Emergency Response Team (CERT).

  7. 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

  8. Il Sistema Costituzionale Italiano

    OpenAIRE

    2015-01-01

    Conferencia sobre el sistema constitucional italiano,centrándose en la forma de gobierno de Italia y sus principales instituciones. Tres fueron los perfiles en los que la ponente hizo hincapié: la relación entre el Gobierno y el Parlamento; las funciones desempeñadas por los partidos políticos en el sistema representativo italiano y las leyes electorales que a lo largo de la historia republicana del país han reglamentado el sistema electoral. I...

  9. Back Pain During Pregnancy

    Science.gov (United States)

    ... hurting your back when you exercise. How can pregnancy hormones contribute to back pain? To prepare for the ... of the baby through the birth canal, a hormone relaxes the ligaments in the ... back pain during pregnancy? To help prevent back pain, be aware of ...

  10. Central bank Financial Independence

    OpenAIRE

    J.Ramon Martinez-Resano

    2004-01-01

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

  11. 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.

  12. 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

  13. The Chinese Banking System

    OpenAIRE

    2012-01-01

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

  14. Predicting Small Bank Failure

    OpenAIRE

    Heyliger, Wilton E.; Don P. Holdren

    1991-01-01

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

  15. 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....

  16. Sistema de arbitraje

    OpenAIRE

    2015-01-01

    Con el propósito de garantizar la calidad de las publicaciones de la Revista Científica Virtual  Horizonte Empresarial, en el presente volumen 2 N° 2, 2015, queda estipulado el siguiente sistema de arbitraje.

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

    OpenAIRE

    Moe, Thorvald Grung

    2014-01-01

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

  18. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

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

  19. 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.

  20. 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...

  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. Army Back Complaint Program

    Science.gov (United States)

    1988-05-13

    pain as there are doctors, 4 from chiropractic approaches through hypnotism and acupuncture . In the vast majority of cases, low back pain will disappear...initiatives to dispel fears and amc .!ticns about back pain , prmpt recognition and medical zwvaemet of affected aployees, and reduclM back complaints through...installation of ABC Programs. It is designed to be an educational tool to prevent injuries to the back, shoulder, or neck areas primarily as a result of

  3. 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...

  4. Systemic banking crises

    OpenAIRE

    O. Emre Ergungor; James B. Thomson

    2005-01-01

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

  5. 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

  6. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

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

  7. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

  8. Medications for back pain

    Science.gov (United States)

    Back pain often goes away on its own over several weeks. In some people, back pain persists. It may not go away completely or ... at times. Medicines can also help with your back pain. OVER-THE-COUNTER PAIN RELIEVERS Over-the-counter ...

  9. 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 ...

  10. Time banking som ledelsesteknologi

    OpenAIRE

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

    2014-01-01

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

  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. 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.

  13. Easier Bank Access

    Institute of Scientific and Technical Information of China (English)

    Wang Jun

    2015-01-01

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

  14. 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.

  15. 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

  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. Banking and Trading

    NARCIS (Netherlands)

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

    2016-01-01

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

  18. 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.

  19. 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

  20. Envejecimiento del sistema cardiovascular

    OpenAIRE

    2005-01-01

    Las principales características del envejecimiento del sistema cardiovascular reflejan cambios anatómicos y estructurales a nivel de la pared de los vasos, la relajación miocárdica, el llenado ventricular y la respuesta a las catecolaminas . Muchos de los cambios funcionales asociados con la edad están relacionados con estos fenómenos. Esta revisión describe los cambios relacionados con el envejecimiento a nivel estructural y funcional del sistema cardiovascular, sus posibles factores etiológ...

  1. Sistema Internacional de Medidas

    OpenAIRE

    2015-01-01

    La adopcion del Sistema Intemacional de unidades hace necesario que los profesores y maestros lo conozcan y sepan usarlo.La enseiianza de las ciencias, y en especial la didactica de la fisica, se simplifica con Ia adopcion de un sistema unico de unidades. El estudio de Ia mecanica se facilita notablemente y en los tópicos -de calor solo es necesario presentar el julio en vez de Ia caloria y adoptar la escala Kelvin de temperaturas, en tanto que la óptica no requiere de ningin cambio.

  2. El Sistema inspirerede projekter

    DEFF Research Database (Denmark)

    Holst, Finn; Chemi, Tatiana

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

  3. SISTEMA NACIONAL DE CONTABILIDAD

    OpenAIRE

    Yacsahuache Pasapera, Hernán; Facultad de Ciencias Contables, Universidad Nacional Mayor de San Marcos

    2014-01-01

    La Ley 24680 o ley del Sistema Nacional de Contabilidad determina las funciones, objetivos y estructura de los organismos y Órganos componentes del SNC, instituido por el artículo 145° de la Constitución Política del Perú de 1979, los mecanismos de coordinación de la contabilidad, así como las relaciones con otros organismos del sector público y del sector privado. Determina, además, que es un sistema autónomo, administrativa y funcionalmente, tiene a su cargo la investigación y función de l...

  4. 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

  5. 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...

  6. 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…

  7. 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.

  8. 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...

  9. 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.

  10. Back Pain in Children

    Directory of Open Access Journals (Sweden)

    Sadi Kayiran ; Sinan Mahir Kayiran;

    2011-02-01

    Full Text Available Contrary to popular knowledge, back pain is quite frequently seen in children. While very rare in the pre-school age group, frequency reaches 30% in the adolescent period. In many cases, the causes of back pain in childhood cannot be exactly determined and the pain disappears by itself in a short time. It should be remembered that back pain that persists for more than two weeks may be associated with organic causes. Whether or not there have been disruptions in neurological functions should be definitely probed in the medical history. Keeping in mind that back pain could be a part of a systemic disease, a systemic examination should be carried out in cases where there has been long-term back pain. The complaint of childhood back pain should be assessed with a thorough history, a careful physical examination and advanced testing tools. [TAF Prev Med Bull 2011; 10(1.000: 115-118

  11. Low back pain.

    Science.gov (United States)

    Delitto, Anthony; George, Steven Z; Van Dillen, Linda R; Whitman, Julie M; Sowa, Gwendolyn; Shekelle, Paul; Denninger, Thomas R; Godges, Joseph J

    2012-04-01

    The Orthopaedic Section of the American Physical Therapy Association (APTA) has an ongoing effort to create evidence-based practice guidelines for orthopaedic physical therapy management of patients with musculoskeletal impairments described in the World Health Organization’s International Classification of Functioning, Disability, and Health (ICF). The purpose of these low back pain clinical practice guidelines, in particular, is to describe the peer-reviewed literature and make recommendations related to (1) treatment matched to low back pain subgroup responder categories, (2) treatments that have evidence to prevent recurrence of low back pain, and (3) treatments that have evidence to influence the progression from acute to chronic low back pain and disability.

  12. Banking System in Kyrgyz Republic

    OpenAIRE

    Sagbansu, Lutfu

    2006-01-01

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

  13. 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.

  14. 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.

  15. Orden monetario y bancos centrales Monetary order and Central Banks

    Directory of Open Access Journals (Sweden)

    Aglietta Michel

    1996-06-01

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

  16. COMMERCIAL BANK LIQUIDITY MANAGEMENT

    OpenAIRE

    KOREKOV A.V.

    2015-01-01

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

  17. 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.

  18. 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.

  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. 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

  1. 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

  2. SISTEMA PROCESSUAL MISTO (OU MÍTICO SISTEMA PROCESSUAL)

    OpenAIRE

    Cani, Luiz Eduardo

    2014-01-01

    Este artigo demonstra que a existência de um sistema processual misto não passa de um engodo. Para tanto, são abordadas as estruturas dos sistemas processuais acusatório e inquisitório. O método de abordagem é o indutivo e o de procedimento é o comparativo. A metodologia empregada é a de análise e de cruzamento da literatura acerca do tema, apresentando-se as razões porque o chamado sistema processual misto não é, na verdade, um sistema.

  3. 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...

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

    OpenAIRE

    Jordan, Sarah

    2013-01-01

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

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

    OpenAIRE

    Bacha, Obiyathulla I.

    2004-01-01

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

  6. 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.

  7. 78 FR 12360 - PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail...

    Science.gov (United States)

    2013-02-22

    ... Employment and Training Administration PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail Bank West Chester, IL; Notice of Negative Determination Regarding Application... Assistance (TAA) applicable to workers and former workers of PNC Bank, National Association, Retail...

  8. 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.

  9. Innovative strategies of bank

    Directory of Open Access Journals (Sweden)

    G.A Peresadko

    2012-03-01

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

  10. Destroy The Bank! (case)

    NARCIS (Netherlands)

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

    2016-01-01

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

  11. 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

  12. Banking and trading

    NARCIS (Netherlands)

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

    2013-01-01

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

  13. The macroeconomics of banking

    NARCIS (Netherlands)

    van der Kwaak, C.G.F.

    2017-01-01

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

  14. Optimal central bank transparency

    NARCIS (Netherlands)

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

    2008-01-01

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

  15. Optimal central bank transparency

    NARCIS (Netherlands)

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

    2010-01-01

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

  16. 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.

  17. Back pain in adults.

    Science.gov (United States)

    Becker, Jonathan A; Stumbo, Jessica R

    2013-06-01

    This article provides a summary of the many causes of back pain in adults. There is an overview of the history and physical examination with attention paid to red flags that alert the clinician to more worrisome causes of low back pain. An extensive differential diagnosis for back pain in adults is provided along with key historical and physical examination findings. The various therapeutic options are summarized with an emphasis on evidence-based findings. These reviewed treatments include medication, physical therapy, topical treatments, injections, and complementary and alternative medicine. The indications for surgery and specialty referral are also discussed.

  18. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

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

  19. 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.

  20. 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,

  1. Acknowledging the back patient

    DEFF Research Database (Denmark)

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

    the back patient the narrative must be complemented by a different perspective that includes the issue of ethical responsibility. It is therefore also a question of adopting certain norms as binding; to be bound by obligation or loyalty. Thus, the literature review argues for a more process......Introduction: A thorough review of qualitative studies has revealed that telling about experiences and perceptions is important for back patients in order to feel accepted and acknowledged. Thus, it has been the aim of this qualitative literature review to investigate what it feels like...... to be a back patient and what back patients consider important when dealing with the healthcare system. Methods: The method draws on James Thomas' and Angela Hardens approach in "Methods for the thematic synthesis of qualitative research in systematic reviews" (2008). The thematic synthesis aims to systematise...

  2. Back pain and sports

    Science.gov (United States)

    ... core strengthening. Ask your health care provider 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 ...

  3. 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

  4. Los nudos del sistema

    OpenAIRE

    2000-01-01

    Pieza central del antiguo régimen; pacto, acuerdo o trato con algunos actores decisivos del sistema político susceptible de ser revisado; forma cultural de relaciones de poder o de intercambio; pirámide de organizaciones o estructura sectorial: ¿qué tan invisible sigue siendo, qué tan montada sigue estando la pirámide del corporativismo mexicano antes y después del 2 de julio de 2000? Este fenómeno constituye el eje central de las reflexiones del presente ensayo. En torno al mismo, se pres...

  5. El Sistema Penitenciario Mexicano

    OpenAIRE

    Azaola, Elena; Bergman, Marcelo

    2003-01-01

    Este trabajo describe los rasgos y los problemas que caracterizan al sistema penitenciario mexicano y efectúa un análisis del papel que desempeña dentro del conjunto de las instituciones que tienen por objeto combatir la criminalidad. Se abordan los cambios en la actividad delictiva que han tenido lugar en el país durante la última década y las acciones que llevan a cabo las instituciones de seguridad y justicia para contenerla. Se incluyen los principales resultados y conclusiones de una enc...

  6. Back pain and parenthood.

    OpenAIRE

    Finkelstein, M M

    1995-01-01

    OBJECTIVE--To test the hypothesis that reports of back pain in a working population are associated with parenthood. METHODS--A questionnaire survey of back pain in municipal fire fighters and police officers in a municipality in Ontario, Canada. The questionnaire was distributed to current employees of fire and police departments. The survey was completed by 129 fire fighters (68% of the active force) and 346 police officers (74% of the force). RESULTS--36% of the respondents complained of a ...

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

    OpenAIRE

    Waeibrorheem Waemustafa; Suriani Sukri

    2015-01-01

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

  8. GenBank

    Science.gov (United States)

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

    2017-01-01

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

  9. 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.

  10. Epidural injections for back pain

    Science.gov (United States)

    ESI; Spinal injection for back pain; Back pain injection; Steroid injection - epidural; Steroid injection - back ... be pregnant What medicines you are taking, including herbs, supplements, and other drugs you bought without a ...

  11. 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...

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

    OpenAIRE

    ALIMULA, YULIANA

    2014-01-01

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

  13. 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.

  14. 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.

  15. 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.

  16. 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 ...

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

    Directory of Open Access Journals (Sweden)

    Klepková Vodová Pavla

    2015-06-01

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

  18. 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.

  19. 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.

  20. Cord-Blood Banking

    Science.gov (United States)

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

  1. 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.

  2. Cord-Blood Banking

    Science.gov (United States)

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

  3. 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.

  4. 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...

  5. Acknowledging the back patient

    DEFF Research Database (Denmark)

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

    the back patient the narrative must be complemented by a different perspective that includes the issue of ethical responsibility. It is therefore also a question of adopting certain norms as binding; to be bound by obligation or loyalty. Thus, the literature review argue for a more process-oriented patient......#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...

  6. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

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

  7. Opaqueness and Bank Risk Taking

    Directory of Open Access Journals (Sweden)

    Patrick Behr

    2012-12-01

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

  8. Sistemas hamiltonianos ressonantes.

    OpenAIRE

    Marisa Atsuko Nitto

    1999-01-01

    Será analisado, neste trabalho, o problema de ressonância existente entre os corpos celestes, cujos períodos orbitais são comensuráveis na razão p:q, onde p e q são números inteiros positivos. O corpo central será considerado achatado e as excentricidades e inclinações serão quantidades pequenas e não-nulas. O sistema Hamiltoniano ressonante obtido abrange muitos casos que podem ocorrer em problemas de Mecânica Celeste.A análise do problema será feita considerando três classes particulares de...

  9. 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.

  10. Myofascial low back pain.

    Science.gov (United States)

    Ramsook, Ryan R; Malanga, Gerard A

    2012-10-01

    Low back pain is a common condition that is encountered by both primary care physicians as well as various specialists, which include: orthopedic surgeons, physical medicine and rehabilitation specialists, neurologists, rheumatologists, and pain management specialists. Associated muscular pain is very common and often a reactive response from nociception from other structures. Myofascial pain may arise, which is characterized by the presence of myofascial trigger points (MTrPs) that are located in fascia, tendons, and/or muscle. This article reviews the current evidence regarding the pathophysiology, assessment, and recommended treatment options for myofascial low back pain.

  11. 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.

  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. 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.

  14. Sistema de control de riego

    OpenAIRE

    Sáez González, Javier

    2016-01-01

    Programación de un sistema capaz de controlar un sistema de riego mediante el microcontrolador Arduino. Dicho sistema se ha programado en la plataforma Simulink y se han llevado a cabo simulaciones del mismo para confirmar su correcto funcionamiento. Las simulaciones realizadas se basan en datos obtenidos de informes meteorológicos diarios que nos dan una idea de las posibles necesidades de riego en diferentes regiones de España. Realización de un estudio de diversos factores que influyen en ...

  15. La estructura del sistema hegeliano

    OpenAIRE

    Léonard, André; Universidad de Lovaina

    2014-01-01

    Como lo expresa su título, este artículo no pretende exponer el contenido del sistema hegeliano sino el esquema del pensamiento que es inherente a la filosofía hegeliana y que aparece invariable, bajo modos distintos, en cada una de las diferentes exposiciones que hace Hegel de su sistema. El autor toma como base para su trabajo la exposición del sistema hegeliano que aparece en la última edición de la Enciclopedia de las Ciencias Filosóficas (1830). Apoyado en la teoría hegeliana del silogis...

  16. Acknowledging the back patient

    DEFF Research Database (Denmark)

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

    and reluctant to speak out. Therefore, telling about experiences and perceptions is important for back patients in order to feel accepted and acknowledged. The health professionals must incorporate the patients’ narratives as an integral part of the care and treatment. Conclusions: In order to acknowledge...

  17. 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.

  18. 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

  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. Characterizing spatial and temporal reef fisheries in Chinchorro Bank Biosphere Reserve, northern Mesoamerican Reef System Caracterización espacial y temporal de la pesquería en la Reserva de la Biosfera Banco Chinchorro, norte del Sistema Arrecifal Mesoamericano

    OpenAIRE

    José Manuel Castro-Pérez; Gilberto Acosta González; Jesús Ernesto Arias-González

    2011-01-01

    The main objective of this paper was to create a baseline for the spatial and temporal characterization of fisheries in the Chinchorro Bank Biosphere Reserve. Monthly records of one of three fishing cooperatives in the area were taken between August 2004 and June 2005. The individual length and weight of each fish species were recorded per boat. Catch per unit effort (CPUE) was calculated as kilograms per fisherman per hour (kg-fisherman-1-hr-1). CPUE values for Epinephelus striatus, Mycterop...

  1. 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.

  2. 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.

  3. Human Milk Banking.

    Science.gov (United States)

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

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

  4. Can taxes tame the banks?

    DEFF Research Database (Denmark)

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

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

  5. SISTEMAS INMUNES ALTERNATIVOS

    Directory of Open Access Journals (Sweden)

    LUIS F. CADAVID

    2011-01-01

    Full Text Available El sistema inmune en animales es una red compleja de moléculas, células y tejidos que de manera conjunta mantienen la integridad fisiológica y genética de los organismos. Convencionalmente se ha considerado la existencia de dos clases de inmunidad, la innata y la adaptativa. La primera es ancestral, con variabilidad limitada y baja discriminación, mientras que la segunda es altamente variable, específica y restringida a vertebrados mandibulados. La inmunidad adaptativa se basa en receptores de antígeno que se rearreglan somáticamente para generar una diversidad casi ilimitada de moléculas. Este mecanismo de recombinación somática muy probablemente emergió como consecuencia de un evento de transferencia horizontal de transposones y transposasas bacterianas en el ancestro de los vertebrados mandibulados. El reciente descubrimiento en vertebrados no mandibulados e invertebrados de mecanismos alternativos de inmunidad adaptativa, sugiere que en el transcurso de la evolución distintos grupos animales han encontrado soluciones alternativas al problema del reconocimiento inmunológico.

  6. 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.

  7. 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'...

  8. /Au Back Contacts

    Science.gov (United States)

    Paudel, Naba R.; Compaan, Alvin D.; Yan, Yanfa

    2014-08-01

    We report on the fabrication and characterization of CdTe thin-film solar cells with Cu-free MoO3- x /Au back contacts. CdTe solar cells with sputtered CdTe absorbers of thicknesses from 0.5 to 1.75 μm were fabricated on Pilkington SnO2:F/SnO2-coated soda-lime glasses coated with a 60- to 80-nm sputtered CdS layer. The MoO3- x /Au back contact layers were deposited by thermal evaporation. The incorporation of MoO3- x layer was found to improve the open circuit voltage ( V OC) but reduce the fill factor of the ultrathin CdTe cells. The V OC was found to increase as the CdTe thickness increased.

  9. 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.

  10. 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.

  11. 12 CFR 209.2 - Banks desiring to become member banks.

    Science.gov (United States)

    2010-01-01

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

  12. 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.

  13. Looking back thinking ahead.

    Science.gov (United States)

    1996-01-01

    Members of India's Working Women's Forum (WWF) played a major role in the successful efforts of grassroots women working in nongovernmental organizations to influence the Plans of Action of the UN Conferences that took place during the 1990s. Thus, over 5000 members of the WWF met in Madras to celebrate the 1996 International Women's Day by reflecting on the struggles and achievements of the WWF in its 17 years of existence, honoring WWF leaders, and drawing up a future agenda for the Forum. Among those honored were a woman who was impoverished and struggling to feed a family of 10 when she joined the WWF 17 years ago. Today, she is a Vice-President of the WWF. Also honored was a woman who had been ostracized by her family for marrying outside of her caste who went on to help the lace makers of Naraspur organize to demand their labor rights. A representative of the US Agency for International Development addressed the gathering and noted that "Women are not just a chapter; they are half the book." One representative of the Netherlands urged the members of the WWF to continue fighting for a more just world, while another compared the WWF to the Rabo Bank Foundation created by farmers in Holland as a banking cooperative nearly a century ago. The WWF Plan of Action includes proposals to extend credit to assetless impoverished women, to emphasize education and development of girls, to train women for empowerment, and to increase women's political representation.

  14. 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.

  15. 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.

  16. 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...

  17. 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...

  18. 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...

  19. 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.

  20. QUALITY MANAGEMENT IN BANKING SYSTEM

    OpenAIRE

    2009-01-01

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

  1. Micoses do sistema nervoso

    Directory of Open Access Journals (Sweden)

    Carlos da Silva Lacaz

    1947-03-01

    Full Text Available As micoses do sistema nervoso central não têm merecido atenção cuidadosa dos neurologistas. Elas afetam o neuraxe em diferente percentagem: a granulomatose criptocóccica (torulose é a mais freqüente, seguindo-se a actinomicose; a granulomatose paracoccidióidica só excepcionalmente determina lesões meningoencefálicas. Do ponto de vista clínico, as neuromicoses podem ser divididas em duas formas: tumorais encefalomedulares e meningíticas. Estas predominam sobre as tumorais, das quais são mais freqüentes as de localização encefálica. Não são raros os quadros mistos, meningoencetálicos. As formas tumorals encefálicas abrangem vários tipos anátomo-patológicos - abscesso, granuloma, nódulos e cistos - sendo mais comuns os dois primeiros, todos êles produzindo o quadro clinico da síndrome hipertensiva intracraniana. As formas meningomedulares, em geral, são secundárias às lesões ósseas vertebrais, sendo a actinomicose, por ser a mais osteófila, a micose que mais freqüentemente atinge a medula. Nestes casos, o quadro clínico da síndrome compressiva é o mais comum. As meninges participam do processo fúngico, na maior parte dos casos; as manifestações clínicas variam desde o simples meningismo, até as meningites purulentas e meningoencefalites graves, havendo a possibilidade de se formarem aracnoidites císticas, ependimites e bloqueios ventriculares, do aqueduto ou mesmo do canal raquidiano. O diagnóstico das micoses do sistema nervoso central é comumente um "achado de autópsia". Somente a verificação do cogumelo no líquor e o seu isolamento permitem um diagnóstico seguro. Outros dados liquóricos, quando bem interpretados com os achados clínicos e neurológicos, orientam o analista na pesquisa do agente fúngico. O quadro anátomo-patológico nada tem de caraterístico, a não ser a presença do agente parasitário e só o seu encontro firma o diagnóstico. Examinamos 25 casos de granulomatose

  2. 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

  3. Replacing America's Job Bank

    Science.gov (United States)

    Vollman, Jim

    2009-01-01

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

  4. UBS BANK INFORMATION

    CERN Multimedia

    UBS, CERN branch

    2002-01-01

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

  5. 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…

  6. Banking On People

    Science.gov (United States)

    Manpower, 1970

    1970-01-01

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

  7. 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.

  8. Four Women Bank Directors

    Institute of Scientific and Technical Information of China (English)

    1995-01-01

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

  9. Innovative Secure Mobile Banking Services

    OpenAIRE

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

    2011-01-01

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

  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. Do Central Banks Need Capital?

    OpenAIRE

    Peter Stella

    1997-01-01

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

  12. 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.

  13. ANALISIS PENYALURAN DANA BANK SYARIAH

    OpenAIRE

    Siswati -

    2013-01-01

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

  14. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    Science.gov (United States)

    2010-01-01

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

  15. 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.

  16. Foreign Banks: Trends and Impact

    NARCIS (Netherlands)

    Claessens, S.; van Horen, N.

    2014-01-01

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

  17. Bank risk, bailouts and ambiguity

    NARCIS (Netherlands)

    Nijskens, R.G.M.

    2012-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Alexiou Constantinos

    2009-01-01

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

  19. 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 Pain? Other Reasons for Having an X-ray What ... What are Radiographic Assessments? Radiographic assessments for low back pain involve the use of X-rays to determine ...

  20. 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

  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. 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

  3. Paschen is Partially Back

    CERN Document Server

    Stift, M J

    2008-01-01

    We present a discussion of the partial Paschen-Back (PB) effect in magnetic Ap stars. An overview of the theory is illustrated with examples of how splittings deviate non-linearly from the simple Zeeman picture; normally forbidden ``ghost lines'' appear in strong fields. Resulting asymmetric stellar Stokes profiles for a dipolar magnetic geometry are shown for the FeII 6149 line and it is established that PB lines may be subject to wavelength shifts. Modelling of Stokes profiles in the PB regime opens exciting new diagnostics.

  4. Paschen is Partially Back

    OpenAIRE

    Stift, M. J.; Leone, F.

    2008-01-01

    We present a discussion of the partial Paschen-Back (PB) effect in magnetic Ap stars. An overview of the theory is illustrated with examples of how splittings deviate non-linearly from the simple Zeeman picture; normally forbidden ``ghost lines'' appear in strong fields. Resulting asymmetric stellar Stokes profiles for a dipolar magnetic geometry are shown for the FeII 6149 line and it is established that PB lines may be subject to wavelength shifts. Modelling of Stokes profiles in the PB reg...

  5. Paschen is partially Back

    Science.gov (United States)

    Stift, M. J.; Leone, F.

    2008-04-01

    We present a discussion of the partial Paschen-Back (PB) effect in magnetic Ap stars. An overview of the theory is illustrated with examples of how splittings deviate non-linearly from the simple Zeeman picture; normally forbidden "ghost lines" appear in strong fields. Resulting asymmetric stellar Stokes profiles for a dipolar magnetic geometry are shown for the FeI λ6149 line and it is established that PB lines may be subject to wavelength shifts. Modelling of Stokes profiles in the PB regime opens exciting new diagnostics.

  6. Back Pain and Modic

    DEFF Research Database (Denmark)

    Manniche, Claus; jordan, alan; mikkelsen, connie

    . Many of these patients will become free of pain and disability! This book provides readers with a thorough review of the latest information regarding Modic changes that the Danish research group was primarily responsible for after 10 years of intensive research. The book explains what the research...... results can mean for back pain patients and information is provided as to how Modic changes take place and develop as well developments that took place such that we are now able to provide effective treatment for more than 50% of patients that have been diagnosed with Modic changes type 1. Readers...

  7. 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...

  8. 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...

  9. 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.

  10. Are Chinese Banks Ready for Foreigners?

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

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

  11. 12 CFR 2.5 - Bank compensation.

    Science.gov (United States)

    2010-01-01

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

  12. 12 CFR 204.121 - Bankers' banks.

    Science.gov (United States)

    2010-01-01

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

  13. 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.

  14. 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.

  15. 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.

  16. Shadow Banking – Developments in Times of Financial Crisis

    Directory of Open Access Journals (Sweden)

    Bogdan Munteanu

    2016-01-01

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

  17. 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

  18. 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.

  19. Sistema de coordenadas para AR

    OpenAIRE

    Aguiar Cabello, Arnau

    2012-01-01

    Este proyecto realiza un estudio sobre las diferentes opciones referentes a la Realidad Aumentada, como primera parte. La Realidad Aumentada es una tecnología que en los últimos años ha experimentado un gran desarrollo. La Realidad Aumentada consiste en sobreponer información virtual con la ya existente realidad física. Como segunda parte, se escoge una de estas opciones, NyARToolkit, y se explica el funcionamiento del sistema de coordenadas basado en marcadores. El sistema basado en marca...

  20. Sistema de salud de Brasil

    OpenAIRE

    Víctor Becerril Montekio; Guadalupe Medina; Rosana Aquino

    2011-01-01

    En este trabajo se describe el sistema de salud de Brasil, que está compuesto por un sector público que cubre alrededor de 75% de la población y un creciente sector privado que ofrece atención a la salud al restante 25% de los brasileños. El sector público está constituido por el Sistema Único de Salud (SUS) y su financiamiento proviene de impuestos generales y contribuciones sociales recaudadas por los tres niveles de gobierno (federal, estatal y municipal). El SUS presta servicios de manera...

  1. Un sistema desconocido pero internacional

    OpenAIRE

    2008-01-01

    Se presenta en este trabajo un estudio sobre el Sistema Internacional de Unidades (SI) en la etapa de Educación Secundaria (13 a 18 años), cuyo objetivo es comprobar si el alumnado conoce las siete magnitudes y unidades fundamentales, que manejan habitualmente en el aula. A partir del currículum de ciencias se han analizado las posibles causas de las deficiencias encontradas en las magnitudes fundamentales y derivadas. Los resultados muestran que el sistema a pesar de ser inter...

  2. 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...

  3. Algunos Hechos Estilizados del Sistema Bancario Peruano

    OpenAIRE

    Espino, Freddy

    2013-01-01

    Estima el tipo de relación que existe entre las principales variables del sistema bancario (colocaciones y depósitos) y las variables macroeconómicas que afectan el desempeño del sistema bancario.

  4. INFORMATION FROM THE BANK

    CERN Multimedia

    1999-01-01

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

  5. Danske Bank vildleder

    DEFF Research Database (Denmark)

    Ravn, Ib

    2014-01-01

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

  6. 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.

  7. 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?

  8. 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.

  9. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

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

  10. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  11. 12 CFR 614.4352 - Farm Credit Banks and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

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

  12. 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.

  13. Virtual blood bank.

    Science.gov (United States)

    Wong, Kit Fai

    2011-01-24

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

  14. 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.

  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. 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.

  17. Employee Motivation, Recruitment Practices and Banks Performance in Nigeria

    Directory of Open Access Journals (Sweden)

    Adeola Mukarramah Modupe

    2016-12-01

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

  18. 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…

  19. 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…

  20. 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,…

  1. MOBILE BANKING AND SUSTAINABLE GROWTH

    Directory of Open Access Journals (Sweden)

    Atul Srivastava

    2013-01-01

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

  2. 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.

  3. 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.

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

    OpenAIRE

    Stephen K. Callaway; Hamilton, Robert D.

    2008-01-01

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

  5. Panel Data Estimation of Liquidity Risk Determinants in Islamic Banks: A Case Study of Pakistan

    OpenAIRE

    Shaikh, Salman Ahmed

    2015-01-01

    The two most important problems identified in a post-financial crisis look back are perverse incentives and de-linking of financial sector growth and activities with the real sector of the economy. These problems are inherently avoided by Islamic banks. In this study, we take 7 year data from 2007 to 2013 for all 5 full-fledged Islamic banks. We attempt to empirically explore the determinants of liquidity risk in Islamic banks. As per the findings, deposits to total capital ratio increases th...

  6. 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

  7. 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....

  8. 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...

  9. 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...

  10. 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.

  11. 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.

  12. 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

  13. 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

  14. Back pain during growth.

    Science.gov (United States)

    Hasler, Carol C

    2013-01-08

    It is wrong to believe that back pain only burdens adults: the yearly incidence during growth ranges from 10-20%, continuously increasing from childhood to adolescence. Rapid growth-related muscular dysbalance and insufficiency, poor physical condition in an increasingly sedentary adolescent community or - vice versa - high level sports activities, account for the most prevalent functional pain syndromes. In contrast to adults the correlation of radiographic findings with pain is high: the younger the patient, the higher the probability to establish a rare morphologic cause such as benign or malignant tumours, congenital malformations and infections. In children younger than 5 years old, the likelihood is more than 50%. The following red flags should lower the threshold for a quick in-depth analysis of the problem: Age of the patient 4 weeks, history of tumour, exposition to tuberculosis, night pain and fever. High level sport equals a biomechanical field test which reveals the biologic individual response of the growing spine to the sports-related forces. Symptomatic or asymptomatic inhibitory or stimulatory growth disturbances like Scheuermann disease, scoliosis or fatigue fractures represent the most frequent pathomorphologies. They usually occur at the disk-growth plate compound: intraspongious disk herniation, diminuition of anterior growth with vertebral wedging and apophyseal ring fractures often occur when the biomechanical impacts exceed the mechanical resistance of the cartilaginous endplates. Spondylolysis is a benign condition which rarely becomes symptomatic and responds well to conservative measures. Associated slippage of L5 on S1 is frequent but rarely progresses. The pubertal spinal growth spurt is the main risk factor for further slippage, whereas sports activity - even at a high level - is not. Therefore, the athlete should only be precluded from training if pain persists or in case of high grade slips. Perturbance of the sagittal profile with

  15. Sistemas operativos distribuídos

    OpenAIRE

    Bastidas C., Jose Fernando; Carrillo Guzmán, Herbert; Cifuentes C., David Eduardo; Serrano B., María Fernanda; Vargas Cabas, Andres

    2010-01-01

    Desde hace algunos años el uso de los computadores ha cambiado enormemente, debido a la transición, desde los sistemas centralizados que constan de un único CPU, sus periféricos de memoria y algunas terminales, hacia sistemas de cómputo compuestos por un gran número de CPUs, conectados mediante una red de alta velocidad, conocidos como Sistemas Distribuidos. Aunque los sistemas operativos necesarios para estos Sistemas Distribuidos están apenas en etapa de sur...

  16. Characterizing spatial and temporal reef fisheries in Chinchorro Bank Biosphere Reserve, northern Mesoamerican Reef System Caracterización espacial y temporal de la pesquería en la Reserva de la Biosfera Banco Chinchorro, norte del Sistema Arrecifal Mesoamericano

    Directory of Open Access Journals (Sweden)

    José Manuel Castro-Pérez

    2011-08-01

    Full Text Available The main objective of this paper was to create a baseline for the spatial and temporal characterization of fisheries in the Chinchorro Bank Biosphere Reserve. Monthly records of one of three fishing cooperatives in the area were taken between August 2004 and June 2005. The individual length and weight of each fish species were recorded per boat. Catch per unit effort (CPUE was calculated as kilograms per fisherman per hour (kg-fisherman-1-hr-1. CPUE values for Epinephelus striatus, Mycteroperca bonaci, Lachnolaimus maximus and Sphyraena barracuda were highest in the "Nortes" (northerly-winds season due to increased fishing effort and to the fact that they were apparently caught in spawning aggregation sites. Generally, fishing at Chinchorro Bank exerts low to moderate ecological impact because fishing gear restrictions and fisheries are closely linked to the extraction of spiny lobster, a resource with a higher aggregated-value in contrast to reef fisheries.El objetivo principal de este artículo fue crear la línea base para la caracterización espacial y temporal de la pesquería en la Reserva de la Biosfera Banco Chinchorro. Registros mensuales de la captura de escama en una de las tres cooperativas en el área de estudio fueron realizados entre agosto de 2004 y junio de 2005. La longitud y el peso de los individuos de las especies de peces fueron registradas por embarcación. La Captura por Unidad de Esfuerzo (CPUE fue calculada como kilogramo por pescador por hora de pesca (kg-pescador-1-hr-1. Epinephelus striatus, Mycteroperca bonaci, Lachnolaimus maximus y Sphyraena barracuda presentaron los valores más altos de la CPUE en la época de "Nortes", lo cual está asociado al incremento en el esfuerzo de pesca y al hecho de que aparentemente fueron capturados en sus sitios de agregación reproductiva. Generalmente la pesca en Banco Chinchorro representa un impacto ecológico de bajo a moderado debido a las restricciones en los artes de pesca

  17. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

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

  18. 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.

  19. 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...

  20. 76 FR 2383 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-01-13

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

  1. 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

  2. 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...

  3. 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...

  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. GenBank

    OpenAIRE

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

    1991-01-01

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

  6. Fractional Reserve Banking

    OpenAIRE

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

    2012-01-01

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

  7. 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.

  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. 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...

  10. Perbandingan Penawaran Investasi Depostio Bank Syariah

    Directory of Open Access Journals (Sweden)

    Hery Harjono Muljo

    2010-05-01

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

  11. Perbandingan Penawaran Investasi Depostio Bank Syariah

    Directory of Open Access Journals (Sweden)

    Hery Harjono Muljo

    2010-04-01

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

  12. 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

  13. 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.

  14. 12 CFR 811.1 - Authority of Reserve Banks.

    Science.gov (United States)

    2010-01-01

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

  15. 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...

  16. 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 ...

  17. 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....

  18. 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...

  19. 32 CFR 643.113 - Banks.

    Science.gov (United States)

    2010-07-01

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

  20. 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.

  1. 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.

  2. 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

  3. 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.

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

    OpenAIRE

    Harjum Muharam; Hasna Penta Kurnia

    2015-01-01

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

  5. Low Back Pain Fact Sheet

    Science.gov (United States)

    ... day in a chair with inadequate back support. Mental health factors : Pre-existing mental health issues such as anxiety and depression can influence ... is particularly important for persons with skeletal irregularities. Health care ... benefits of yoga to ease chronic low back pain. Physical therapy ...

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

    OpenAIRE

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

    2012-01-01

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

  7. 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 ...

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

    Directory of Open Access Journals (Sweden)

    Harjum Muharam

    2015-11-01

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

  9. 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...

  10. 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.

  11. 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.

  12. 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...

  13. 5 CFR 630.1003 - Establishing leave banks and leave bank boards.

    Science.gov (United States)

    2010-01-01

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

  14. 12 CFR 615.5144 - Banks for cooperatives and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Banks for cooperatives and agricultural credit banks. 615.5144 Section 615.5144 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Investment Management §...

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

    Directory of Open Access Journals (Sweden)

    Habbar Abderezak, Dr.

    2014-06-01

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

  16. 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’

  17. 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

  18. 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

  19. 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

  20. Croatian bank investments in securities

    Directory of Open Access Journals (Sweden)

    Antun Jurman

    2005-12-01

    Full Text Available In this paper the author presents the basic characteristics of debt securities and shares and analyses the amount, structure and characteristics of the securities portfolio in Croatian banks in period from 1993 to 2004. The analysis shows that in the entire analyzed period Republic of Croatia together with state funds and other public institutions was the main issuer of securities that banks have in their portfolios. The securities issued by banks and companies represent only a marginal part of banks’ portfolios but it is also true that banks have strongly supported the privatization process of state owned companies by providing credit for purchasing of shares and later on swapping their credit claims for shares. In this way banks acquired a significant portfolio of shares that they later sold on the open market. Data about the significant reduction of securities portfolio in the banking assets structure, from 46.1% in 1993 to only 10.6% in 2004, is indicative of a low level of trading in securities. This means that in the following years, central and local government should secure the necessary funds more by issuing securities than by credit, especially not by taking credit from abroad. Furthermore, in order to spread business with securities, banks should also substitute a portion of their credit portfolio with short and long term securities. In this way, the investors would be able to use the benefits of investing in securities instead of investing their funds in bank deposits as they have done until now.

  1. Size, productivity, and international banking

    NARCIS (Netherlands)

    Buch, Claudia M.; Koch, Catherine T.; Koetter, Michael

    2011-01-01

    Heterogeneity in size and productivity is central to models that explain which manufacturing firms expert. This study presents descriptive evidence on similar heterogeneity among international banks as financial services providers. A novel and detailed bank-level data set reveals the volume and mode

  2. The American Indian Development Bank?

    Science.gov (United States)

    Pottinger, Richard

    1992-01-01

    In 1990, the Indian Finance Corporation Act died in committee for lack of Indian support. A model for an American Indian Development Bank is proposed, based on the International Finance Corporation of the World Bank. Two case studies illustrate how this model can meet Indian economic development needs. (SV)

  3. Determinants of Iranian bank profitability

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-04-01

    Full Text Available Banks are the most important tool for preparing and supplying money in each country. In recent years, by institution of the new private banks and privatization of the governmental banks, banking competition has become very complex. This paper performs an empirical investigation to study the effects of different factors on return on assets and return on equities on 18 selected Iranian firms over the period 2002-2011. Using different regression models, the study studies the effects of total assets, debt ratio, etc. on return of assets (ROA and return on equities (ROE on selected eighteen Iranian banks as statistical community. The study considers total assets, ownership ratio, deposits to assets ratio, and loans to assets ratio as independent variables, and ROE and ROA as dependent variables. The results indicate that the private banks returns were better than governmental banks and the commercial banks’ returns were better than special banks. There is a reverse relationship between logarithm of total assets and ownership ratio with profitability based on return of assets.

  4. 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

  5. Liquidity regulation and bank behavior

    NARCIS (Netherlands)

    Bonner, C.

    2014-01-01

    In response to the 2007-08 financial crisis, the Basel Committee on Banking Supervision proposed two liquidity standards to reinforce banks’ resilience to liquidity risks. The purpose of this thesis is to analyze the impact of liquidity regulation on bank behavior. The first of four main chapters an

  6. QUALITY MANAGEMENT IN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Micuda Ion Dan

    2009-05-01

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

  7. 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.

  8. 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.

  9. Peeling Back the Layers

    Science.gov (United States)

    2004-01-01

    NASA's Mars Exploration Rover Spirit took this panoramic camera image of the rock target named 'Mazatzal' on sol 77 (March 22, 2004). It is a close-up look at the rock face and the targets that will be brushed and ground by the rock abrasion tool in upcoming sols. Mazatzal, like most rocks on Earth and Mars, has layers of material near its surface that provide clues about the history of the rock. Scientists believe that the top layer of Mazatzal is actually a coating of dust and possibly even salts. Under this light coating may be a more solid portion of the rock that has been chemically altered by weathering. Past this layer is the unaltered rock, which may give scientists the best information about how Mazatzal was formed. Because each layer reveals information about the formation and subsequent history of Mazatzal, it is important that scientists get a look at each of them. For this reason, they have developed a multi-part strategy to use the rock abrasion tool to systematically peel back Mazatzal's layers and analyze what's underneath with the rover's microscopic imager, and its Moessbauer and alpha particle X-ray spectrometers. The strategy began on sol 77 when scientists used the microscopic imager to get a closer look at targets on Mazatzal named 'New York,' 'Illinois' and 'Arizona.' These rock areas were targeted because they posed the best opportunity for successfully using the rock abrasion tool; Arizona also allowed for a close-up look at a range of tones. On sol 78, Spirit's rock abrasion tool will do a light brushing on the Illinois target to preserve some of the surface layers. Then, a brushing of the New York target should remove the top coating of any dust and salts and perhaps reveal the chemically altered rock underneath. Finally, on sol 79, the rock abrasion tool will be commanded to grind into the New York target, which will give scientists the best chance of observing Mazatzal's interior. The Mazatzal targets were named after the home states of

  10. Innovative Secure Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Mousa T AL-Akhras

    2011-01-01

    Full Text Available Due to the widespread use of computer technologies in almost all aspects of life, organisations that are connected to the Internet started extending their services to their customers to include new applications and services that satisfy their customers’ desires to make better businesses. One of these emerging applications is mobile banking. The term mobile banking (or m-banking describes the banking services that the user can perform via a mobile device ubiquitously at anytime and from anywhere. In order for users to access their accounts, they need a mobile device and network connectivity. Therefore, sitting in front of a computer is not a requirement anymore; accessing accounts can occur while users are waiting their turn at the dentist clinic or relaxing at the beach! This paper explores the opportunities of using mobile technology in the electronic banking (e-banking sector to enhance existing banking services by moving toward m-banking using mobile devices and wireless media that can provide opportunities for ubiquitous access to the banking services as mobile technologies can be used at anytime and from anywhere. The technical problems encountered while using the mobile devices presents some technical difficulties and challenges for the m-banking. In this paper we introduce a mobile system that demonstrates the flexibility gained out of this technology and covers the major aspects of such kind of applications. The proposed system covers two parts: the customer services (user interface and the security aspects. In the user interface part, banking facility is provided to the user through the mobile device to implement banking transactions. The model provides customers with the services: billing payments, transferring of funds, viewing of customer’s accounts and transactions, allowing the user to change his/her password and request a cheque book. The application takes into consideration security aspects, it satisfies the following

  11. Capital Requirements and Banks' Leniency

    DEFF Research Database (Denmark)

    Dietrich, J. Kimball; Wihlborg, Clas

    2003-01-01

    We investigate the effect of changes in capital regulation on the strictness(leniency) of loan terms using a simple model of bank capital requirements andasset quality examinations. Banks offer different levels of `leniency' in the senseof willingness to offer automatic extensions of loans...... in the presence of temporarypayment difficulties of borrowers. Banks offering lenient (less strict) loan termsmust have higher initial levels of capital and charge higher loan rates. Whencapital requirements are increased, both strict and lenient banks hold higher levelsof initial capital and they raise loan...... rates. As capital requirements increase thedifference between initial capital levels and between interest rates of strict andlenient banks decrease. Thus, higher capital requirements in recessions tend toreduce the interest rate premium paid for leniency. If a recession is interpreted asan increase...

  12. Impact of shadow banks on financial contagion

    OpenAIRE

    Yoshiharu Maeno; Kenji Nishiguchi; Satoshi Morinaga; Hirokazu Matsushima

    2014-01-01

    An asset network systemic risk (ANWSER) model is presented to investigate the impact of how shadow banks are intermingled in a financial system on the severity of financial contagion. Particularly, the focus of this study is the impact of the following three representative topologies of an interbank loan network between shadow banks and regulated banks. (1) Random mixing network: shadow banks and regulated banks are intermingled randomly. (2) Asset-correlated mixing network: banks having bigg...

  13. CHARACTERISTICS OF ONLINE BANKING PRODUCTS AND SERVICES

    OpenAIRE

    BUCUR Luiza Emanuela

    2015-01-01

    Online banking is the newest and least understood delivery channel for retail banking services. This article show how customers perceive Online Banking Services. Focuses on the issues associated with internet banking service quality. For customer service quality, focus is on access, credibility, communication, understanding the costumer and collaboration. For online banking services focus is on: ease of use, accuracy, timelines, aesthetics and security. For banking service product quality foc...

  14. 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.

  15. Storm-generated accumulation of nummulite banks in Eocene of Cairo, Egypt

    Energy Technology Data Exchange (ETDEWEB)

    Aigner, T.

    1983-03-01

    Nummulite banks which are common in neritic and shelf-edge facies in many parts of the Tethyan Eocene have been mainly regarded as reef-type buildups so far. However, stratification and biofabrics of such banks in the middle Eocene around Cairo demonstrate the importance of physical processes in molding nummulitic sediment bodies. Initiation of a nummulite bank at the Giza Pyramids Plateau is localized by a preexisting paleohigh, inherited from Late Cretaceous tectonism. On this submarine swell (about 1 x 1.5 km wide), ecological conditions were optimal for a flourishing Nummulites gizehensis-community, resulting in greater sediment production than in adjacent environments. Growth of the nummulite bank into a sediment body over 30 m (98 ft) in thickness and more than 1 km (.62 mi) in length is strongly enhanced by mechanical concentration of nummulite tests into coquinal packstones. These are interpreted to be a product of storm-generated winnowing. Paleoecological evidence shows that nummulite banks are largely an in-situ lag deposit. Periods of nummulite settlement are episodically disturbed by catastrophic storm events, which result in winnowing and local accumulation of the heavier bioclasts. During shallowing, patch reefs and a back-bank lagoon formed on the landward side of the bank. This facies association may be regarded as a model for hydrocarbon reservoirs. The high intraparticle porosity in nummulite tests (54%) makes the banks a potential reservoir, while adjacent and overlying lagoonal mudstone and wackestone may serve as source and cap rocks.

  16. Banking Software Applications Security

    Directory of Open Access Journals (Sweden)

    Ioan Alexandru Bubu

    2015-03-01

    Full Text Available Computer software products are among the most complex artifacts, if not the most complex artifacts mankind has created. Securing those artifacts against intelligent attackers who try to exploit flaws in software design and construct is a great challenge too.The purpose of this paper is to introduce a secure alternative to banking software applications that are currently in use. This new application aims to cover most of the well-known vulnerabilities that plague the majority of current software.First we will take a quick look at current security methods that are in use, and a few known vulnerabilities. After this, we will discuss the security measures implemented in my application, and finally, we will the results of implementing them.

  17. Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry

    Directory of Open Access Journals (Sweden)

    El Mehdi Ferrouhi

    2014-12-01

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

  18. 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.

  19. Rigorously Assessing Whether the Data Backs the Back School

    OpenAIRE

    2003-01-01

    A rigorous between-subjects methodology employing independent random samples and having broad clinical applicability was designed and implemented to evaluate the effectiveness of back safety and patient transfer training interventions for both hospital nurses and nursing assistants. Effects upon self-efficacy, cognitive, and affective measures are assessed for each of three back safety procedures. The design solves the problem of obtaining randomly assigned independent controls where all expe...

  20. An investigation on factors influencing electronic banking adoption in private banks versus public banks

    Directory of Open Access Journals (Sweden)

    Ali Alikhani

    2014-01-01

    Full Text Available The movement of industrial societies towards implementation of information technology has begun and it has gained moment since early 90th and presently the speed of this movement is well obvious in less developed countries, including Iran. Internet Banking is one of the most tangible trends in today’s electronic commerce. It has direct relationship with the perception of the service qualities not only because of unique absorption of the internet, but also because of e-commerce, acceptance of internet services of banks by clients and the tendency for using such services. This paper investigates different factors influencing on acceptance of electronic banking in private banks versus public banks in a case study of two Iranian banks namely; Eqtesade Novin and Sepah using Technology Acceptance Model (TAM. Correlation test reveals that there was a positive and significant relationship between clients of private and public bank on five factors associated with TAM. In addition, structural equation method was used for investigation of relationships in offered model. In conclusion, all primary and secondary hypotheses for clients of private and public bank were confirmed.

  1. Credit Accessibility Granted by Rural Banks in Rural Community: Evidence from Ghana

    Directory of Open Access Journals (Sweden)

    Frederick Binfor

    2013-05-01

    Full Text Available The main objective of the rural banks was to improve the standard of the living in the rural community they operate. This is done by encouraging the rural indigenes to save with them, and assist them by granting credit facilities to them. It is obvious that in spite of the existence of the bank in the community, people still take loans from friends and relatives (moneylenders, when in comparably have higher interest rate than that of the bank. Some take 100% interest within the shortest time with properties used as collateral until the money are paid back before the properties are released to them. The researcher found out that the public lack information about the rural bank in their community, which leads to their access of credit from friends and relatives known as Money Lenders instead of the bank. The concern in this study is, therefore, the lack of information between banks and the public. Even though the display of information by banks is supposed to provide vital information to customers, a number of concerns are raised. They are directed at how the rural banks can bring about effective banking services to the rural community. Given the low level of literacy, how many customers can read the information displayed in the banks if they are available? How many can understand what they read if they are able to read? In addition, to what extent does this information assist customers in their demand for credits? With what strategies do the banks reach out to the public? If not all, most of these concerns have informed the focus of discussion in this paper.

  2. Current trends of banking innovations

    Directory of Open Access Journals (Sweden)

    A.M. Karminskiy

    2013-06-01

    Full Text Available The current stage of the global banking system development takes place in an increasingly competitive environment and unstable financial markets. One of the key factors of bank's successful development is a policy of continuous innovative behavior. Nowadays innovation is a key factor of bankingnstability, competitiveness and sustainable growth.The aim of the article. The main goal of this article is to examine key trends of banking innovations and innovative in Russia. Experience in the development of new banking products, services and technologies in the Russian market is mainly based on international practice. Noteworthy is the fact that Russian banks take over not only the successful practice of new product lines, but also information technology as well as key methodological aspects of bank management and the technological aspects related the business processes.The results of the analysis. Innovative policy in the credit institution must not take place spontaneously. The positive effect of innovation can be achieved only if there is the possibility of managing the innovation process, which is not possible without a clearly highlighted definition and characteristics of banking innovation, which at least would allow distinguishing of innovation and modification. The paper describes the main aspects of the morphology of banking innovation with the detailed classification depended on the variety of attributes from its origin to the direction of action and highlights the major trends of current banking innovation, such as:development of information and cyber technology (and hence the possibility of the emergence of computational complexity and risk prediction models, the development of information security tools,etc.;implementation of customer-oriented model as the best practice;optimization of its own business processes.The article shows a number of real examples of each kind of banking innovation including the innovations in the non

  3. Modelo de sistemas tutores inteligentes multiagente

    OpenAIRE

    Ferrer, Alejandro; Vallejos, Félix Anibal; Jiménez Rey, Elizabeth Miriam; Grossi, María Delia; Servetto, Arturo Carlos; Perichinsky, Gregorio

    2006-01-01

    Se presenta una línea de investigación del Proyecto de la Facultad de Ingeniería de la Universidad de Buenos Aires I015: Manufactura Integrada por Computadora en Sistemas Complejos para el Desarrollo Social, Industrial y de Tecnología. Se introduce conceptos básicos de los campos en los que incursiona esta línea de investigación: Sistemas Tutores Inteligentes (STI) y Sistemas Multiagentes (SMA). Se describe los aspectos esenciales que se deben considerar en el modelado de un sistema ...

  4. 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...

  5. 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.

  6. Imaging in mechanical back pain

    DEFF Research Database (Denmark)

    Hansen, Bjarke Brandt; Hansen, Philip; Carrino, John A;

    2016-01-01

    Low back pain is common and relates to a variety of overlapping pathologies. Within the last few decades, almost every medical imaging modality has been applied in the evaluation of low back pain. Imaging of the spine has a high priority in the assessment of patients with low back pain, who seem...... and symptoms hampers the ability of clinicians to devise a specific treatment plan for the patient. Therefore, there is mounting interest in new imaging techniques of the lumbar spine that may increase the clinical correlation in low back pain. In this review, we will discuss the value and limitations...... to expect such procedures to be undertaken. However, the majority of conventional imaging techniques do not have adequate precision to identify the primary source of pain. Not only can this be frustrating to both clinicians and patients, but importantly, inadequate correlation between imaging findings...

  7. Chiropractic care for back pain

    Science.gov (United States)

    ... this page: //medlineplus.gov/ency/patientinstructions/000416.htm Chiropractic care for back pain To use the sharing ... discussed in your first session. What Conditions Does Chiropractic Treat Best? Chiropractic treatment is most effective for: ...

  8. Comparison of Islamic Banks with Conventional Banks: Evidence from an Emerging Market

    Directory of Open Access Journals (Sweden)

    Ameenullah Aman

    2016-03-01

    Full Text Available This paper evaluates and compares the performance of Sharia-compliant banks with their conventional counterparts operating in Pakistan. Data of five full-fledged Islamic Banks(IBs and fifteen Conventional Banks (CBs, all from Pakistan, have been used for the study. Study period comprises of six years from year 2008 to year 2013. Bank's orientation, efficiency, quality of assets and stability are the measures used to compare the performance of Shariah-compliant and conventional banks. The Islamic Banks in Pakistan are younger in age and smaller in size compared to the Conventional Banks. Based on the financial ratios of two types of banks, we find that the business model of Islamic Banks is inferior to the model of Conventional Banks. Islamic Banks are less cost efficient than Conventional Banks. However, Islamic Banks have superior asset quality with better bank stability position.

  9. Banking Activity for Sustainable Development

    Directory of Open Access Journals (Sweden)

    Ion Stancu

    2006-08-01

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

  10. 12 CFR 1261.12 - Reporting requirements for Bank directors.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Reporting requirements for Bank directors. 1261.12 Section 1261.12 Banks and Banking FEDERAL HOUSING FINANCE AGENCY FEDERAL HOME LOAN BANKS FEDERAL HOME LOAN BANK DIRECTORS Federal Home Loan Bank Boards of Directors: Eligibility and Elections §...

  11. 12 CFR 1261.14 - Vacant Bank directorships.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Vacant Bank directorships. 1261.14 Section 1261.14 Banks and Banking FEDERAL HOUSING FINANCE AGENCY FEDERAL HOME LOAN BANKS FEDERAL HOME LOAN BANK DIRECTORS Federal Home Loan Bank Boards of Directors: Eligibility and Elections § 1261.14 Vacant...

  12. 12 CFR 1261.13 - Ineligible Bank directors.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Ineligible Bank directors. 1261.13 Section 1261.13 Banks and Banking FEDERAL HOUSING FINANCE AGENCY FEDERAL HOME LOAN BANKS FEDERAL HOME LOAN BANK DIRECTORS Federal Home Loan Bank Boards of Directors: Eligibility and Elections § 1261.13 Ineligible...

  13. 12 CFR 940.2 - Mission of the Banks.

    Science.gov (United States)

    2010-01-01

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

  14. 12 CFR 615.5030 - Borrowings from commercial banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowings from commercial banks. 615.5030 Section 615.5030 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... commercial banks. (a) Each System bank board, by resolution, shall authorize all commercial bank...

  15. 12 CFR 583.4 - Bank holding company.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Bank holding company. 583.4 Section 583.4 Banks... AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.4 Bank holding company. The term bank holding company means any company which has control over any bank or over any company that is or becomes a bank...

  16. 12 CFR 619.9145 - Farm Credit Bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Bank. 619.9145 Section 619.9145 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9145 Farm Credit Bank. The term Farm Credit Bank refers to a bank resulting from the mandatory merger of the Federal...

  17. 12 CFR 619.9020 - Agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit banks. 619.9020 Section 619.9020 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9020 Agricultural credit banks. Agricultural credit banks are those banks created by the merger of a Farm...

  18. 12 CFR 619.9060 - Bank for cooperatives.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Bank for cooperatives. 619.9060 Section 619.9060 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9060 Bank for cooperatives. A bank for cooperatives is a bank that is operating under section 3.0 of the Act....

  19. [Marrow donor registration and cord blood banking: current issues].

    Science.gov (United States)

    Takanashi, Minoko

    2016-03-01

    Marrow donor registration and cord blood banking are essential components of the infrastructure required for unrelated haemopoietic stem cell transplantations. We now have a new law to support and regulate the Marrow Donor Coordination Agency, Cord Blood Banks and the Haematopoietic Stem Cell Provision Support Organization. We also need to have a specific goal for bone marrow and peripheral blood stem cell donor registration, a minimum cord blood bank size, and the demographic data to back the medical needs for unrelated haemopoietic stem cell transplantations. To improve bone marrow and peripheral blood stem cell transplantations, we need to recruit younger adults for marrow registration and make greater efforts to shorten the coordinating period. For cord blood transplantations, uniting and empowering the cord blood collection sites is needed, to encourage and motivate obstetricians and other staff, as the quality of cord blood units is primarily determined during collection. Also, the cord blood banks must work cooperatively to provide cord blood internationally, which includes coordinating with international agencies and their regulations.

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

    OpenAIRE

    Talos, Livia

    2016-01-01

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

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

    OpenAIRE

    Uddin, Md Akther

    2015-01-01

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

  2. Related Lending and Banking Development

    OpenAIRE

    CULL, Robert; Haber, Stephen; Imai, Masami

    2011-01-01

    Does related lending have positive or negative effects on the development of banking systems? We analyze a unique cross-country data set covering 74 countries from 1990 to 2007, and find that related lending, on average, does not have any effect on the growth of credit. We do find, however, that there are conditional relationships: related lending tends to retard the growth of banking systems when rule of law is weak, whereas it tends to promote the growth of banking systems when rule of law ...

  3. The End of Bank Secrecy?

    DEFF Research Database (Denmark)

    Johannesen, Niels; Zucman, Gabriel

    2014-01-01

    During the financial crisis, G20 countries compelled tax havens to sign bilateral treaties providing for exchange of bank information. Policymakers have celebrated this global initiative as the end of bank secrecy. Exploiting a unique panel dataset, our study is the first attempt to assess how...... the treaties affected bank deposits in tax havens. Rather than repatriating funds, our results suggest that tax evaders shifted deposits to havens not covered by a treaty with their home country. The crackdown thus caused a relocation of deposits at the benefit of the least compliant havens. We discuss...

  4. 75 FR 36089 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-24

    ... Corporation and thereby indirectly retain voting shares of Classic Bank, N.A., both of Cameron, Texas. Board... Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are... Board of Governors. Comments must be received not later than July 9, 2010. A. Federal Reserve Bank...

  5. 78 FR 41063 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-09

    ... 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... retain control of National Banking Corp., North Little Rock, Arkansas, and thereby indirectly...

  6. 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... Leland E. Boren; Leland E. Boren, IRA; Leland E. Boren as Co-Representative of the LaRita R. Boren...

  7. 78 FR 43883 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-22

    ... 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... Manna, Trustee; Mario John Manna's IRA Account; Claudia Brown Moore; Claudia Brown Moore's IRA...

  8. 76 FR 71344 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-11-17

    ... 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..., Pennsylvania. 2. W. Kirk Wycoff, Ira M. Lubert, and James J. Lynch, all of Philadelphia,...

  9. 76 FR 48862 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-08-09

    ... 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... Financial Mangers, LLC; Ira M. Lubert; W. Kirk Wycoff; and James J. Lynch, all of Philadelphia,...

  10. 75 FR 30405 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-01

    ... 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... Hunter Ness Roth IRA, all of Yankton, South Dakota; Michael Forrest Ness, Sioux Falls, South...

  11. 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....; and Ira M. Lubert, W. Kirk Wycoff, and James J. Lynch, all of Philadelphia, Pennsylvania, to...

  12. 12 CFR 225.14 - Expedited action for certain bank acquisitions by well-run bank holding companies.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Expedited action for certain bank acquisitions by well-run bank holding companies. 225.14 Section 225.14 Banks and Banking FEDERAL RESERVE SYSTEM... certain bank acquisitions by well-run bank holding companies. (a) Filing of notice—(1)...

  13. Back pain - when you see the doctor

    Science.gov (United States)

    ... this page: //medlineplus.gov/ency/article/007494.htm Back pain - when you see the doctor To use the ... you first see your health care provider for back pain, you will be asked about your back pain, ...

  14. Lower Back Pain Symptom Checker Flowchart

    Science.gov (United States)

    ... of the back. Some causes and treatment of back pain are described in this chart.Our trusted Symptom ... Problems Hip Problems Knee Problems Leg Problems Lower Back Pain Menstrual Cycle Problems Mouth Problems Mouth Problems in ...

  15. Islamic Banks and Financial Stability; An Empirical Analysis

    OpenAIRE

    Martin Cihak; Heiko Hesse

    2008-01-01

    The relative financial strength of Islamic banks is assessed empirically based on evidence covering individual Islamic and commercial banks in 18 banking systems with a substantial presence of Islamic banking. We find that (i) small Islamic banks tend to be financially stronger than small commercial banks; (ii) large commercial banks tend to be financially stronger than large Islamic banks; and (iii) small Islamic banks tend to be financially stronger than large Islamic banks, which may refle...

  16. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

    of private borrowing between collaterally-constrained 'impatient' households and unconstrained 'patient' households, such as those put forward by Kiyotaki and Moore (1997) and Iacoviello (2005), is counteracted by the banking attenuator effect, given an endogenous steady state spread between loan and savings......The framework presented in this paper takes its cue from recent financial events and attempts to develop a tractable framework for policy analysis of macro-linkages, in particular a first attempt at the integration of an independent profit-maximising banking sector that lends to and borrows from...... agents in the economy, and through which changes in the monetary policy rate by the central bank are transmitted. The inter-linkages between housing and the role of the banking sector in the transmission of monetary policy is emphasized. Two competing effects are highlighted: (i) a financial accelerator...

  17. Selected Banks Economic Efficiency Indicators

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2007-04-01

    Full Text Available There are a lot of economic efficiency indicators in theory. It is necessary to choice some of them for concrete purposes. ROA, ROE and C/I play important role due to last experience of polish banks.Cost to Income Ratio plays very important role affecting not only efficiency monitoring process in the banks but also becoming a very important target in strategy or finance plan. There are several methodological approaches to construct this index in detail. Results are differing due to implementing methodology. This article describes trends C/I concerning both polish and foreign banks. It is difficult to compare banks in emerging country and real giants in finance mature economies.

  18. The evolving landscape of banking

    NARCIS (Netherlands)

    Boot, A.W.A.; Marinč, M.

    2008-01-01

    The structure of the financial services industry is in flux. Liberalization, deregulation, and advances in information technology have changed the financial landscape dramatically. Interbank competition has heated up and banks face increasing competition from nonbanking financial institutions and th

  19. NIH NeuroBioBank

    Data.gov (United States)

    Federal Laboratory Consortium — The NIH NeuroBioBank (NBB), supported by the National Institute of Mental Health, the National Institute of Neurological Disorders and Stroke, and the Eunice Kennedy...

  20. Customer Loyalty in Internet Banking

    Directory of Open Access Journals (Sweden)

    Y. Aysha Fathima

    2015-06-01

    Full Text Available In the era of challenges and cut throat competition in banking sector it has become inevitable for the banks to devise defensive strategies to retain their customers and build customer loyalty. The main aim of this study is to examine the factors affecting customer loyalty in online banks. To achieve this purpose, a detailed review of relevant literature was made and seven constructs were identified for the study. A survey was conducted and data was collected with a structured questionnaire. Pre analysis data screening was done to ensure that the study is fit for further statistical analysis. Multiple regression analysis was performed to investigate the relationship of constructs on customer loyalty. Results of the analysis identified customer satisfaction; bank’s reputation trust and habit were having significant influence on customer loyalty. Among the four factors, reputation of the bank and its corporate image is found to be more influential. Based on the findings, the implications and suggestions are made.

  1. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

    The framework presented in this paper takes its cue from recent financial events and attempts to develop a tractable framework for policy analysis of macro-linkages, in particular a first attempt at the integration of an independent profit-maximising banking sector that lends to and borrows from...... agents in the economy, and through which changes in the monetary policy rate by the central bank are transmitted. The inter-linkages between housing and the role of the banking sector in the transmission of monetary policy is emphasized. Two competing effects are highlighted: (i) a financial accelerator...... channel, due to the presence of collateralized borrowers, and (ii) a banking attenuator effect, which crucially arises from the spread in interest rates caused by the introduction of monopolistically competitive financial intermediaries. We show how the classical amplification mechanism explored in models...

  2. Hazardous Substances Data Bank (HSDB)

    Data.gov (United States)

    U.S. Department of Health & Human Services — Comprehensive, peer-reviewed toxicology data for about 5,000 chemicals. The data bank focuses on the toxicology of potentially hazardous chemicals. It is enhanced...

  3. Sistemas residenciales: conceptos y aplicaciones

    Directory of Open Access Journals (Sweden)

    Franu00E7oise Dureau

    2004-01-01

    Full Text Available Luego de volver sobre los orígenes de la noción de sistema residencial familiar en la investigación sobre África y América Latina, el artículo expone las técnicas de recolección desarrolladas en dos encuestas colombianas. El análisis de la morfología espacial de los sistemas residenciales familiares de los Bogotanos pone en evidencia las prácticas pluri-locales de la población, las movilidades que las subtienden y la importancia de la localización en las escogencias residenciales. Con este enfoque, el análisis de las prácticas residenciales se desplaza de la vivienda hacia el acceso a los recursos urbanos localizados: los relacionados con el entorno natural, los producidos por los actores políticos y económicos, pero también aquellos construidos por las prácticas sociales de los habitantes. De esta manera, lo que se propone aquí es una renovación de la lectura de las dinámicas espaciales en términos de territorios y un reconocimiento del habitante como actor pleno de la producción de nuevas configuraciones urbanas.

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

    Directory of Open Access Journals (Sweden)

    Harjum Muharam

    2015-11-01

    Full Text Available Bank konvensional dan syariah kurang lebih memiliki risiko sama. Oleh karena itu perlu pengamatan lebih lanjut untuk mengendalikan risiko likuiditas mereka. Studi ini mengkajipengaruh CAR, rasio profitabilitas, NIM, kesenjangan likuiditas, dan RLA milik risiko likuiditas di industri perbankan. Analisis statistik menyimpulkan bahwa terdapat pengaruh negatif dan signifikan dari CAR dan ROE terhadap risiko likuiditas pada bank konvensional, sementara ROA dan RLA berpengaruh positif dan signifikan. Dalam bank syariah, dampak positif dan signifikan dari NIM dan ROE terhadap variabel dependen, sedangkan kesenjangan likuiditas dan RLA memiliki pengaruh signifikan.DOI: 10.15408/aiq.v5i2.2565

  5. Essays in banking and international finance

    NARCIS (Netherlands)

    Schäfer, Larissa

    2015-01-01

    This thesis consists of three chapters, two in banking and one in international finance. The first two chapters examine how bank business models and foreign ownership structures affect bank-firm lending relationships. In particular, the first chapter reveals that foreign banks can overcome their inf

  6. Supervisory powers and bank risk taking

    NARCIS (Netherlands)

    Shehzad, Choudry Tanveer; De Haan, Jakob

    2015-01-01

    We examine the effect of different types of bank supervisory powers in place before the crisis on bank risk-taking during the crisis. We employ data of more than 8000 banks from high-income OECD countries for the 2007-2011 period and impaired loans to gross loans ratio as proxy for bank risk-taking.

  7. Foreign bank ownership and household credit

    NARCIS (Netherlands)

    Beck, T.H.L.; Brown, M.

    2015-01-01

    Theoretical and empirical work on banking emphasizes the role of banks in overcoming information asymmetries and agency problems between borrowers and lenders. This paper investigates the importance of bank ownership in determining the sorts of customers that a bank serves, and consequently, the sor

  8. China's Investment in Africa's Banking Sector

    Institute of Scientific and Technical Information of China (English)

    Sun Jin

    2010-01-01

    @@ 1 Introduction The global financial crisis, whose effects have been most severe on the world's largest banks, has created a vacuum in banking sector in Africa by stalling investment from the traditional investor. The world's largest banks, brought to their knees by the crisis, and having had to be bailed out, are in no position to continue investing in the banking sector in Africa.

  9. International taxation and cross-border banking

    NARCIS (Netherlands)

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

    2014-01-01

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

  10. International Taxation and Cross-Border Banking

    NARCIS (Netherlands)

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

    2011-01-01

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

  11. 26 CFR 1.581-1 - Banks.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Banks. 1.581-1 Section 1.581-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Banking Institutions § 1.581-1 Banks. (a) In order to be a bank as defined in section 581,...

  12. 29 CFR 1917.126 - River banks.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 7 2010-07-01 2010-07-01 false River banks. 1917.126 Section 1917.126 Labor Regulations...) MARINE TERMINALS Terminal Facilities § 1917.126 River banks. (a) This section applies to temporary installations or temporary operations near a river bank. (b) Where working surfaces at river banks slope...

  13. 76 FR 10671 - Assessments, Large Bank Pricing

    Science.gov (United States)

    2011-02-25

    ... proposal, retains this exception for banker's banks. A typical banker's bank provides liquidity and other... greater need to maintain liquidity to service its member banks. 6. Comments Several commenters addressed... implications for bank liquidity. The comments suggested that the FDIC provide a deduction for federal...

  14. NECESSITY TO DIMINISH THE GIANT BANKS

    Directory of Open Access Journals (Sweden)

    Alexandru GRIBINCEA

    2013-06-01

    Full Text Available The regulation of big banks has been in the spotlight for many reasons. Examining evidence for more than 80 countries for the years 1995-2009, banking systems are shown to be highly concentrated. In many cases, the banks are so big that bank-specific credit-growth fluctuations affect the macroeconomy.

  15. Size and support ratings of US banks

    NARCIS (Netherlands)

    Poghosyan, Tigran; Werger, Charlotte; de Haan, Jakob

    2016-01-01

    We examine whether Fitch support ratings of US banks depend on bank size. Using quarterly data for the period 2004:Q4 to 2012:Q4 and controlling for several factors that make large and small banks different, we find that bank size is positively related to support ratings. However, the effect is non-

  16. Los Sistemas tecnológicos Concretos

    OpenAIRE

    2011-01-01

    Usando un enfoque sistémico, se estudian cierto tipo de subsistemas sociales que caracterizan a la sociedad contemporánea. Específicamente se definen aquellos tecnosistemas que realizan el diseño y la ejecución de artefactos y/o sistemas artificiales, los que se denominarán sistemas tecnológicos.

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

    Directory of Open Access Journals (Sweden)

    Pooja MALHOTRA

    2009-11-01

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

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

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-06-01

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

  19. Multinational banks and development finance

    OpenAIRE

    Weller, Christian E.; Scher, Mark J.

    1999-01-01

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

  20. Fractional Reserve in Banking System

    OpenAIRE

    Valkonen, Maria

    2016-01-01

    This thesis is aimed to provide understanding of the role of the fractional reserve in the mod-ern banking system worldwide and particularly in Finland. The fractional reserve banking is used worldwide, but the benefits of this system are very disputable. On the one hand, experts say that the fractional reserve is a necessary instrument for the normal business and profit making. On the other hand, sceptics openly criticize the fractional reserve system and blame it for fiat money (money n...

  1. Managing factoring in banking groups

    OpenAIRE

    2006-01-01

    On the market for factoring services independent suppliers coexhist with companies affiliated with banking groups. The last ones can be oriented in their decision processes by the policies of their parent company, usually a bank. They could also benefit from synergies among the different units of the group. The main benefits are linked to cost reduction, better skill-based resources allocation and a higher amount of financial coverage. If such interdependencies are found ...

  2. Bank Mergers, Competition and Liquidity

    OpenAIRE

    Carletti, Elena; Hartmann, Philipp; Spagnolo, Giancarlo

    2004-01-01

    We model the impact of bank mergers on loan competition, reserve holdings and aggregate liquidity. A merger changes the distribution of liquidity shocks and creates an internal money market, leading to financial cost efficiencies and more precise estimates of liquidity needs. The merged banks may increase their reserve holdings through an internalization effect or decrease them because of a diversification effect. The merger also affects loan market competition, which in turn modifies the dis...

  3. The East Anglian Eye Bank.

    Science.gov (United States)

    Knights, P

    1991-07-01

    The first Corneal Bank in East Anglia is located at the BUPA Hospital in Norwich, a joint venture between NHS, BUPA and the Lions Clubs International (District 101 EA). There was insufficient space to accommodate the Bank at the West Norwich Hospital where the Ophthalmic Department is situated and so, at the suggestion of the BUPA Hospital Manager, Mr Paul Hanke, It came to the BUPA Colney Lane site.

  4. CUSTOMERS CATEGORIES AND TYPES OF BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    DANIELA SIMONA DIMITRIU

    2012-01-01

    Full Text Available For a bank it is advantageous to have different types of clients because, as will receive deposits and provide loans for both business and individuals. The difference between the interest charged by banks and they are paid gross banking profit, following recovery, by the bank, business development potential offered by customers, resulting in advantages for both bank and customer. Customer benefits can be considered: the safety of deposits held at banks; interest received for them; that the money held in bank accounts can be returned at any time upon request; transfers of money to them, instead of wearing them large sums of cash.

  5. Complete Localization of HVDC Back-to-Back Project Realized

    Institute of Scientific and Technical Information of China (English)

    Yu Xinqiang; Liang Xuming; Wang Zuli; Ye Qing

    2006-01-01

    The first completely localized DC back-to-back project for asynchronous interconnection between Northwest and Central China plays an important role in realizing national power grid interconnection, spurring indigenous manufacturing industries and promoting DC transmission equipment. Insisting on the principle of autonomous innovation, this project was based on domestic forces in every aspect, from engineering organization, system design, equipment completion, engineering design, equipment manufacturing and procurement to construction and debugging. By passing through strict quality control, intermediate supervision and acceptance test and assessment, the project has been proved up to world advanced level.

  6. Marketing Aspect of Banking Competition

    Directory of Open Access Journals (Sweden)

    Nieizviestna Olena V.

    2015-03-01

    Full Text Available The aim of the article is to study the need for application of marketing tools in order to improve competitiveness and competitive advantages of banks. By analyzing, systematizing and summarizing the scientific works of many scientists, the relationship between the competitiveness of the commercial bank and its share in the banking market has been discovered. In the process of studying the integration of the strategy of maximizing customer satisfaction in the practice of strategic competition in the banking market there was presented the author’s position regarding the need to take into account the structure of the customer loyalty, as it is it that helps to properly distribute the bank’s marketing efforts. It has been proved that the technology of bank marketing should not only include the systems of identifying customer needs, creation of new financial products, but also contribute to the formation of the multi-factor strategic model of competitive strategy of the bank competitive development. It has been proposed to use the SWOT-analysis in order to effectively manage the bank’s competitiveness.

  7. Cash efficiency for bank branches.

    Science.gov (United States)

    Cabello, Julia García

    2013-01-01

    Bank liquidity management has become a major issue during the financial crisis as liquidity shortages have intensified and have put pressure on banks to diversity and improve their liquidity sources. While a significant strand of the literature concentrates on wholesale liquidity generation and on the alternative to deposit funding, the management of an inventory of cash holdings within the banks' branches is also a relevant issue as any significant improvement in cash management at the bank distribution channels may have a positive effect in reducing liquidity tensions. In this paper, we propose a simple programme of cash efficiency for the banks' branches, very easy to implement, which conform to a set of instructions to be imposed from the bank to their branches. This model proves to significantly reduce cash holdings at branches thereby providing efficiency improvements in liquidity management. The methodology we propose is based on the definition of some stochastic processes combined with renewal processes, which capture the random elements of the cash flow, before applying suitable optimization programmes to all the costs involved in cash movements. The classical issue of the Transaction Demand for the Cash and some aspects of Inventory Theory are also present. Mathematics Subject Classification (2000) C02, C60, E50.

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

    NARCIS (Netherlands)

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

    2006-01-01

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

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

    NARCIS (Netherlands)

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

    2010-01-01

    Indicators of central bank independence (CBI) based on the interpretation central bank laws in place may not capture the actual independence of the central bank. This paper develops an indicator of actual independence of the Bank Indonesia (BI), the central bank of Indonesia, for the period 1953-200

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

    Directory of Open Access Journals (Sweden)

    Gagandeep K. Nagra

    2016-03-01

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

  11. COMPETITION IN ROMANIAN BANKING SECTOR

    Directory of Open Access Journals (Sweden)

    Capraru Bogdan

    2011-07-01

    Full Text Available Recent turmoil in the global financial system has impacted severely on the banking sector with many banks suffering large losses and necessitating the need to raise additional capital privately or through their respective national governments. In our study we investigate the impact of structural reforms performed throughout the European Union (EU accession process on competition and contestability of banking systems in Romania. The literature of the measurement of competition can be divided into two major approaches: structural and non-structural. The structural approach to the assessment of competition embraces the Structure-Conduct-Performance Hypothesis (SCP and the Efficient Structure Hypothesis (ESH. The structural approach, as the name suggests, assesses bank competition by examining measures of market structure such as concentration ratios (the share of assets held by the top 3 or 5 institutions or indices (e.g., the Herfindhal-Hirschman index and supposes that higher concentration in the banking market causes less competitive bank conduct and leads to higher bank profitability. The SCP model is originally developed by Bain (1956. The second approach, ESH, developed by Demsetz (1973 and Peltzmann (1977 suggests that the superior performance of the market leaders determines the market structure, implying that higher efficiency produces both higher concentration and greater profitability. The non-structural indicators of competition are mainly based on the measures of monopoly power developed by Lerner (1934. The Lerner Index suggests the mark-up of price over marginal cost. An alternative non-structural indicator of the degree of market competition is the Panzar and Rosse (1987 H-statistic. The H-statistic measures the extent to which changes in banking costs are reflected in changes in banking revenues. In order to examine the level of competition and market power of banks in Romania for period 2003 - 2009, we estimate the non

  12. Management of Financial and Banking Risk

    OpenAIRE

    Ion Gr. Ionescu

    2013-01-01

    It is certainly clear that a powerful banking strategy should include both software and bank risk management procedures that aim, in fact, minimize the likelihood of these risks and potential exposure of the bank. The main objective of these policies is to minimize losses or additional expenses incurred by the bank and central banking goal is to achieve a higher profit for shareholders. But not always these two objectives - the general and sector - are consistent. It may, in some cases, the c...

  13. Board Effectiveness in the European Banking Industry

    DEFF Research Database (Denmark)

    Busta, Ilduara; Hobdari, Bersant

    2015-01-01

    of the board and directors and financial performance in banking by allowing for separate behaviours under different institutional settings. Using a panel dataset of listed banks in France, Germany, Italy, Spain and the UK, we show that banks with higher presence of non-executives in their boards perform better...... in Continental Europe, while the opposite is the case in the UK. Bank size though does not seem to impact bank performance....

  14. Customer Satisfaction and Islamic Banking in Pakistan

    OpenAIRE

    Fouzia Ali; Hassan Raziq; Abdul Aleem; Shahrukh Latif; Arslan, M; Arsalan Shah Muhammad

    2011-01-01

    Purpose-The purpose of this research study is to focus on the customer satisfaction towards Islamic banking in Pakistan based on the different factors including service quality, product quality offered by Islamic banks, customer care level of Islamic banks, financial benefits given to its customers, competition with conventional banks, religion and market reputation. Methodology- This study will help to understand the level of satisfaction of customers regarding Islamic Banks. In this study d...

  15. Optimal Bank Regulation and Monetary Policy

    OpenAIRE

    John J. Seater

    2000-01-01

    A unified model of monetary policy and bank regulation is presented. In accordance with modern banking theory, banks not only intermediate loans and deposits but also provide a financial service affecting aggregate output. Optimal parameter settings for monetary and regulatory policy are derived. New results are that monetary policy affects the expected level as well as the variance of output, bank regulation should change continually in response to the state of the economy, and bank regulati...

  16. Legal and actual central bank independence

    OpenAIRE

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

    2010-01-01

    Indicators of central bank independence (CBI) based on the interpretation central bank laws in place may not capture the actual independence of the central bank. This paper develops an indicator of actual independence of the Bank Indonesia (BI), the central bank of Indonesia, for the period 1953-2008 and compares it with a new legal CBI indicator based on Cukierman (1992). The indicator of actual independence captures institutional and economic factors that affect CBI. We find that before 199...

  17. Nearest Neighbor Classifier Method for Making Loan Decision in Commercial Bank

    Directory of Open Access Journals (Sweden)

    Md.Mahbubur Rahman

    2014-07-01

    Full Text Available Bank plays the central role for the economic development world-wide. The failure and success of the banking sector depends upon the ability to proper evaluation of credit risk. Credit risk evaluation of any potential credit application has remained a challenge for banks all over the world till today. Artificial neural network plays a tremendous role in the field of finance for making critical, enigmatic and sensitive decisions those are sometimes impossible for human being. Like other critical decision in the finance, the decision of sanctioning loan to the customer is also an enigmatic problem. The objective of this paper is to design such a Neural Network that can facilitate loan officers to make correct decision for providing loan to the proper client. This paper checks the applicability of one of the new integrated model with nearest neighbor classifier on a sample data taken from a Bangladeshi Bank named Brac Bank. The Neural network will consider several factors of the client of the bank and make the loan officer informed about client’s eligibility of getting a loan. Several effective methods of neural network can be used for making this bank decision such as back propagation learning, regression model, gradient descent algorithm, nearest neighbor classifier etc.

  18. Low Back Pain in Athletes.

    Science.gov (United States)

    Rovere, G D

    1987-01-01

    In brief: Low back pain in seasoned athletes is not common, but when present it can limit participation. While direct blows or hyperlor-dotic positions can cause low back pain in certain sports, the most common cause is overuse and resultant strains or sprains of the paravertebral muscles and ligaments. Such injuries cause acute pain and spasm, which sometimes do not appear for 24 hours or longer. Diagnosis is based on history, ruling out of systemic maladies, physical examination, and, if necessary, supplemental tests such as x-rays, myelograms, and bone scans. Treatment of low back pain due to overuse is, sequentially, bed rest and ice for 24 to 36 hours, heat and massage, analgesics as needed, and a lumbosacral support until flexion and strengthening exercises have returned the damaged part to normal.

  19. Initial Back-to-Back Fission Chamber Testing in ATRC

    Energy Technology Data Exchange (ETDEWEB)

    Benjamin Chase; Troy Unruh; Joy Rempe

    2014-06-01

    Development and testing of in-pile, real-time neutron sensors for use in Materials Test Reactor experiments is an ongoing project at Idaho National Laboratory. The Advanced Test Reactor National Scientific User Facility has sponsored a series of projects to evaluate neutron detector options in the Advanced Test Reactor Critical Facility (ATRC). Special hardware was designed and fabricated to enable testing of the detectors in the ATRC. Initial testing of Self-Powered Neutron Detectors and miniature fission chambers produced promising results. Follow-on testing required more experiment hardware to be developed. The follow-on testing used a Back-to-Back fission chamber with the intent to provide calibration data, and a means of measuring spectral indices. As indicated within this document, this is the first time in decades that BTB fission chambers have been used in INL facilities. Results from these fission chamber measurements provide a baseline reference for future measurements with Back-to-Back fission chambers.

  20. A Secured Hybrid Architecture Model for Internet Banking (e - Banking

    Directory of Open Access Journals (Sweden)

    Ganesan R

    2009-05-01

    Full Text Available Internet banking has made it easy to carry out the personal or business financial trans action without going to bank and at any suitable time. This facility enables to transfer money to other accounts and checking current balance alongside the status of any financial transaction made in the account. However, in order to maintain privacy and t o avoid any misuse of transactions, it is necessary to follow a secured architecture model which ensures the privacy and integrity of the transactions and provides confidence on internet banking is stable. In this research paper, a secured hybrid architect ure model for the internet banking using Hyperelliptic curve cryptosystem and MD5 is described. This hybrid model is implemented with the hyperelliptic curve cryptosystem and it performs the encryption and decryption processes in an efficient way merely wi th an 80 - bit key size. The various screen shots given in this contribution shows that the hybrid model which encompasses HECC and MD5 can be considered in the internet banking environment to enrich the privacy and integrity of the sensitive data transmitte d between the clients and the application server

  1. Laid Back Avant-Garde

    DEFF Research Database (Denmark)

    Degn Johansson, Troels

    2010-01-01

    This paper seeks to discuss in serious terms a statement made in the late 1980ies by Danish film director Lars von Trier—that Danish pop-duo Laid Back for him, at the time, should be considered a prominent example of contemporary avant-garde art. At the time, von Triers’ statement was deliberately...... controversial. Whereas Laid Back has been one of the largest commercial successes of the Danish music industry due to the success of a handful of pop hits (in Germany, mainly), the duo has never been recognized for its artistic contribution. A few years after his public statement, von Trier directed...

  2. Golf and low back pain

    OpenAIRE

    村田, 豊

    2011-01-01

    Lumbar spinal disease is one of the“locomotive syndrome”. Most common disease for advanced people is lumbar spinal canal stenosis(LSCS), on the other hand, most common disease for young adult people is lumbar disc herniation(LDH). Both LSCS and LDH can cause low back pain and severe sciatica of lower extremities. Golf is one of the most favorite sports for any generation worldwide. Sometimes golf can cause low back pain, however we can prevent the injuries of lumbar from playing golf. The ach...

  3. IR Spectrum Data Bank System

    Institute of Scientific and Technical Information of China (English)

    Xie Dilin

    2004-01-01

    The infrared spectra of pure compounds of ninety thousands, poly compounds of twelve thousand, drugs of one thousand were included in the data bank. All of them can be searched out according to their serial number, chemical name, commercial name, amount of each atoms, or molecular formula, as well as their spectrum peak appearances. Program for spectrum information inputting, program for spectrum information search and program for spectrum peak appearance search were included in the system; in addition, spectrum information data bank, spectrum peak code data bank and spectrum figure data bank were attached to the system. System program was written by Visial Basic, and run under Windows system. The spectrum information data bank and spectrum figure data bank were administrated by Microsoft Access.The program for spectrum message inputting can be used to add message data and spectrum figure of some new compounds into the data banks by users themselves. The program for spectrum message search was designed to find out all the message data and spectrum figure of interested compound according to someone of the message data. The program for spectrum peak search was designed to find out some spectra most similar in peak shape with unknown spectrum by peak to peak comparison. When the wavenumbers and transmittances of main peaks in the spectrum of unknown sample were entered, the spectrum peak search was performed and several hits with higher similarity were reported including their similarity scores, spectrum serial numbers, sample's states,melt points, molecular formulas as well as spectrum images. If the search result was not satisfactory,some methods to modify spectrum parameters were reminded and search was performed again.

  4. 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.

  5. Impact of Foreign Bank Entry on the Performance of Chinese Banks

    Institute of Scientific and Technical Information of China (English)

    Chung-Hua Shen; Chin-Hwa Lu; Meng-Wen Wu

    2009-01-01

    This study investigates how foreign bank/investor penetrations influence local bank performance in China. At the country level, foreign bank penetration is proxied by MacroFP, measured by the percentage of banks with foreign strategic investors (FSI) among total banks. At the bank level, foreign bank penetration is proxied by MicroFP, measured by the percentage shareholding of FSI in a bank. When foreign bank penetration is proxied by MacroFP, it is found to improve the profitability of local banks but not to reduce costs. Next, when foreign bank penetration is proxied by MicroFP, it is found to affect neither profitability nor costa. In sum, the present study demonstrates that the opening-up policy is correct from a macro perspective. However, for banks that have introduced FSI, determining the reasona for improvements in performance being inhibited is more important than releasing more shares to foreign investors.

  6. 12 CFR 337.11 - Effect on other banking practices.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Effect on other banking practices. 337.11 Section 337.11 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY UNSAFE AND UNSOUND BANKING PRACTICES § 337.11 Effect on other banking practices. Nothing...

  7. 12 CFR 7.1002 - National bank acting as finder.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false National bank acting as finder. 7.1002 Section... OPERATIONS Bank Powers § 7.1002 National bank acting as finder. (a) General. It is part of the business of banking under 12 U.S.C. 24(Seventh) for a national bank to act as a finder, bringing together...

  8. 12 CFR 950.8 - Banks as secured creditors.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Banks as secured creditors. 950.8 Section 950.8 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK ASSETS AND OFF-BALANCE SHEET ITEMS ADVANCES Advances to Members § 950.8 Banks as secured creditors. (a) Except as provided...

  9. 12 CFR 614.4020 - Banks for cooperatives.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Banks for cooperatives. 614.4020 Section 614.4020 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4020 Banks for cooperatives. (a) Banks for cooperatives are authorized to...

  10. 12 CFR 25.44 - Public notice by banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Public notice by banks. 25.44 Section 25.44 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY COMMUNITY REINVESTMENT ACT AND... Public notice by banks. A bank shall provide in the public lobby of its main office and each of...

  11. 12 CFR 229.55 - Expedited recredit for banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Expedited recredit for banks. 229.55 Section 229.55 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE... Expedited recredit for banks. (a) Circumstances giving rise to a claim. A bank that has an indemnity...

  12. 12 CFR 228.44 - Public notice by banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Public notice by banks. 228.44 Section 228.44 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM... notice by banks. A bank shall provide in the public lobby of its main office and each of its branches...

  13. 12 CFR 614.4355 - Banks for cooperatives.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Banks for cooperatives. 614.4355 Section 614.4355 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4355 Banks for cooperatives. No bank for cooperatives may make a loan...

  14. Flashes from the Past: Establishment of the Bulgarian national Bank as Central bank of Bulgaria

    OpenAIRE

    Bojinov, Bojidar

    2015-01-01

    The study aims to outline the specifics related with the emergence and development of central banking in Bulgaria. Established in 1879 as an ordinary commercial bank, Bulgarian National Bank experienced a number of ups and downs in its 130 year history. In its evolutionary development, it became a central issue and Bank of Bulgaria in 1928. In the years of socialism, Bulgarian National Bank is experiencing its devolution development to become in the period 1971-1982 in the only bank in count...

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

    Institute of Scientific and Technical Information of China (English)

    朱明; 杨保安

    2001-01-01

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

  16. Back office to box office

    DEFF Research Database (Denmark)

    Haigh, Matthew

    sees a mounting unsecured debt where its members see practical value. Between the two, a steward who may not profit from its office delegates it to back-office agents whose fiduciary management is engendered by box office-sized bonuses. Standard theorisation has foundered. The architecture...

  17. Coping with Low Back Pain.

    Science.gov (United States)

    Kindig, L. E.; Mrvos, S. R.

    Guidelines are offered for the prevention and relief of lower back pain. The structure of the spine is described, and the functions and composition of spinal disks are explained. A list is included of common causes of abnormalities of the spinal column, and injuries which may cause the fracture of the vertebrae are described. Factors causing low…

  18. Chiropractic management of back pain.

    Science.gov (United States)

    Lall, M

    1983-05-01

    The vast majority of those with back pain respond extremely well to chiropractic spinal manipulation. There are several hundred procedures available to a well trained chiropractor, including high velocity manipulation, mobilisation, soft tissue techniques and pressure point therapy, which may be used to eliminate the need for manipulation under anaesthesia or surgery.

  19. Low back pain and yoga.

    Science.gov (United States)

    Singh, Supreet

    2014-12-01

    ABSTRACT Questions from patients about pain conditions and analgesic pharmacotherapy and responses from authors are presented to help educate patients and make them more effective self-advocates. The topic addressed in this issue is chronic low back pain, one of the most common reasons to visit one's primary care doctor. Complementary approaches, including yoga, will be addressed.

  20. Pattern Analysis On Banking Dataset

    Directory of Open Access Journals (Sweden)

    Amritpal Singh

    2015-06-01

    Full Text Available Abstract Everyday refinement and development of technology has led to an increase in the competition between the Tech companies and their going out of way to crack the system andbreak down. Thus providing Data mining a strategically and security-wise important area for many business organizations including banking sector. It allows the analyzes of important information in the data warehouse and assists the banks to look for obscure patterns in a group and discover unknown relationship in the data.Banking systems needs to process ample amount of data on daily basis related to customer information their credit card details limit and collateral details transaction details risk profiles Anti Money Laundering related information trade finance data. Thousands of decisionsbased on the related data are taken in a bank daily. This paper analyzes the banking dataset in the weka environment for the detection of interesting patterns based on its applications ofcustomer acquisition customer retention management and marketing and management of risk fraudulence detections.

  1. Tumour banking: the Spanish design.

    Science.gov (United States)

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

    2007-01-01

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

  2. Indian Banking Industry: Challenges And Opportunities

    Directory of Open Access Journals (Sweden)

    Dr. Krishna A. Goyal

    2012-02-01

    Full Text Available The banking industry in India has a huge canvas of history, which covers the traditional bankingpractices from the time of Britishers to the reforms period, nationalization to privatization of banksand now increasing numbers of foreign banks in India. Therefore, Banking in India has beenthrough a long journey. Banking industry in India has also achieved a new height with thechanging times. The use of technology has brought a revolution in the working style of the banks.Nevertheless, the fundamental aspects of banking i.e. trust and the confidence of the people onthe institution remain the same. The majority of the banks are still successful in keeping with theconfidence of the shareholders as well as other stakeholders. However, with the changingdynamics of banking business brings new kind of risk exposure.In this paper an attempt has been made to identify the general sentiments, challenges andopportunities for the Indian Banking Industry. This article is divided in three parts. First partincludes the introduction and general scenario of Indian banking industry. The second partdiscusses the various challenges and opportunities faced by Indian banking industry. Third partconcludes that urgent emphasis is required on the Indian banking product and marketingstrategies in order to get sustainable competitive edge over the intense competition from nationaland global banks.This article is a small seed to existing branch of knowledge in banking industry and is useful forbankers, strategist, policy makers and researchers.

  3. Principales sistemas osmóticos orales

    OpenAIRE

    José Eduardo Hernández Torres; Luz María Melgoza Contreras

    2014-01-01

    Los sistemas de liberación convencionales tienen poco control sobre la liberación del fármaco, lo que resulta en concentraciones plasmáticas variables. Como consecuencia, se han desarrollado sistemas de liberación controlada, como los sistemas osmóticos que han demostrado ser independientes de las condiciones psiológicas del cuerpo (pH, alimento y movimientos peristálticos). La liberación del fármaco puede controlarse conociendo de antemano las propiedades psicoquímicas del fármaco y la forma...

  4. Sistemas de conciliación financiera

    OpenAIRE

    Cerro Campón, Ana

    2011-01-01

    Los sistemas de conciliaciones financieras, son sistemas que se basan en la carga de datos. Estos datos son extraídos previamente desde las aplicaciones propias de los movimientos bancarios. Esta información bancaria esta constituida en su mayoría por información sobre precios de distintos mercados. La finalidad de los sistemas de conciliación financiera es comprobar que todas las aplicaciones están alineadas, y que las operaciones realizadas con estos precios no se desvirtualizan de un siste...

  5. Elementos del sistema electoral del Congreso Mexicano

    OpenAIRE

    Aldo Medina García; Irina Cervantes Bravo

    2013-01-01

    El presente artículo es un estudio de los componentes del sistema electoral, diseñado por el legislador mexicano para integrar al parlamento federal. Estudio desarrollado a sabiendas de la importancia que reviste el sistema electoral como un medio que permite a los ciudadanos convertir su voto expresado en las urnas en escaños a favor de determinado candidato o partido. En dicho análisis tomamos en cuenta la evolución constitucional del sistema electoral mexicano, la participación de las fuer...

  6. Sistemas de salvaguardia en reactores EPR

    OpenAIRE

    2015-01-01

    En este documento se describe brevemente el funcionamiento de los diversos sistemas de una planta nuclear operada con un reactor de tipo PWR. Más concretamente, el proyecto se centra en una descripción exhaustiva de los sistemas de salvaguardia y seguridad que regulan el funcionamiento de un reactor de tipo EPR, así como la central nuclear que contiene a dicho reactor. El proceso ha consistido en clasificar y resumir los distintos sistemas que operan en dicha planta, estudiando sus caracterís...

  7. El sistema acusatorio oral en Costa Rica

    OpenAIRE

    Hernández Barrantes, Jessica María; Rodríguez Montoya, Carmen María; Tenorio Jara

    2014-01-01

    El 1.° de enero de 1998 entra en vigencia el nuevo Código Procesal Penal, con lo cual se experimenta una de las reformas más importantes en materia de Administración de Justicia Penal, que implica el paso de un Sistema Procesal Inquisitivo a un Sistema Acusatorio que procura la adversarialidad entre partes. El antiguo Sistema Penal Inquisitivo se caracterizaba en que las funciones de investigar y juzgar se ejercían por el Juez de instrucción, el proceso era escrito y las dil...

  8. Gestor de recursos sobre sistemas virtualizados

    OpenAIRE

    Gavilán García, Jesús Ruben

    2011-01-01

    Creacion, diseño e implementación de una nube (cloud) basado en un clúster de servidores con sistema de ficheros distribuido en red y virtualización de sistemas operativos que mejora la utilización de los recursos disponibles. Esta nueva arquitectura ofrece una nube privada que simplifica la gestión de los servicios y aporta una disminución del coste de mantenimiento, ademas de añadir flexibilidad, dinamismo y escalabilidad al sistema. Las tecnologías con las que se trabaja son GNU/Linux, Xen...

  9. Conparison of Earnings Power between State Commercial Banks and Stock Banks

    Institute of Scientific and Technical Information of China (English)

    顾晓敏; 朱赟赟

    2004-01-01

    As earnings power is one of the primary capacities for commercial banks, by analyzing several indexes on banks'operation performance, this article compared the earnings power between the state banks and the stock banks in China. Through the analysis, some problems of domestic banks may be found and pointed out that the commercial bank should stress on the target of profit maximum to avoid the financial risks. With enough earnings power, the domestic banks can take the challenge with those foreign banks entering domestic money market.

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

    Directory of Open Access Journals (Sweden)

    Jeroen Klomp

    2015-12-01

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

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

    Science.gov (United States)

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

    2007-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

  13. 76 FR 35434 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-06-17

    .... Westbury Bank West Bend...... Wisconsin. Federal Home Loan Bank of Des Moines--District 8 Atkins Savings Bank & Trust.. Atkins......... Iowa. First State Bank Sumner......... Iowa. Northwestern Bank...

  14. Predicting PTSD following bank robbery

    DEFF Research Database (Denmark)

    Hansen, Maj; Elklit, Ask

    Each year, numerous bank robberies take place worldwide. Even so, only few studies have investigated the psychological sequelae of bank robbery and little is known about the risk factors associated with the development of posttraumatic stress disorder (PTSD) following this potentially traumatic...... event. Knowledge about risk factors related to PTSD may allow for preventive measures to be taken against the development of PTSD and reduce the large cost associated with the disorder. We investigated multiple predictors of PTSD severity in a highly representative Danish cohort study of bank employees...... exposed to robbery (N = 371, response rate = 73 %, dropout rate = 18 %). The results of a hierarchical regression analysis showed that 51 % of the variance in PTSD severity could be explained with only peritraumatic dissociation, acute stress disorder (ASD) severity, and negative cognitions about self...

  15. Analisis Yuridis Terhadap Pemberian Kredit Jangka Pendek Melalui Kewenangan Bank Indonesia Terhadap Bank-Bank Bermasalah Dalam Pembayaran Kredit (Studi Terhadap Kasus Bank Century)

    OpenAIRE

    Pasaribu, Andreas Dimpos

    2012-01-01

    Bank Indonesia as the central bank has the authority issued a policy in the short-term loans to rescue troubled banks. Bank Indonesia may provide funds to banks experiencing liquidity problems through the Short Term Funding Facility (FPJP) in the form of credit to cope with short-term financial problems to be resolved because if not addressed will affect systemic. The problems discussed in this study were: first, how is the setting of short-term financing facility in the banking system in ...

  16. THEORETICAL CONCEPTS ON BANK OF FUTURE

    OpenAIRE

    2013-01-01

    Bank of the future has become the subject of scientific polemics in economic domain. Bank of the future - it is a bank with a set of unique technologies that allow customers to perform financial transactions from anywhere, at any time of day and any day of the week, quickly, effectively and safely. The establishment of this type of bank will take place through the formation in accordance with the design of “Bank 2.0” conception and training to “Bank 3.0”. This will lead to quantitative and qu...

  17. Correlations in back-to-back hadron production in SIDIS

    Energy Technology Data Exchange (ETDEWEB)

    Avakian, Harut [Thomas Jefferson National Accelerator Facility (TJNAF), Newport News, VA (United States); Pisano, Silvia [National Inst. of Nuclear Physics (INFN), Frascati (Italy). National Lab. of Frascati (INFN-LNF)

    2016-08-01

    The Deep Inelastic Scattering (DIS) proved to be a great tool in testing of the theory of strong in- teractions. Semi-Inclusive DIS (SIDIS), with detection of an additional hadron allowed first stud- ies of 3D structure of the nucleon, moving the main focus from testing the QCD to understanding of strong interactions and quark gluon dynamics to address a number of puzzles accumulated in recent years. Detection of two hadrons in SIDIS, which is even more complicated, provides ac- cess to details of quark gluon interactions inaccessible in single-hadron SIDIS, providing a new avenue to study the complex nucleon structure. Large acceptance of the CLAS detector at Jef- ferson Lab, allowing detection of two hadrons, produced back-to-back (b2b) in the current and target fragmentation regions, provides a unique possibility to study the nucleon structure in target fragmentation region, and correlations of target and current fragmentation regions

  18. The World Bank and poverty.

    Science.gov (United States)

    Lipton, M; Shakow, A

    1982-06-01

    During the 1970s it was World Bank policy to use its funds to raise the productivity and living standards of the poor. It has increased its lending for sector and subsectors considered to offer the most direct benefits to the poor such as rural development, population, health, and nutrition. Projects with particular emphasis on poverty have benefitted large numbers of poor people and have had good economic rates of return. Lending for rural projects increased in the 1970s from US$2.6 billion in 1969-73 to over US$13 billion in 1978-81; rural development projects audited in 1979 benfitted 660 small farmers for every US$1 million loaned compared with 47 farmers/US$1 million in other agricultural projects. Some problems are: 1) low-risk technical packages appropriate for poor farmers in semi-arid rainfed areas are not readily available; 2) the Bank's rural development strategy seeks mainly to raise the production of small farms, but other aspects need to be emphasized; 3) domestic pricing and postharvest policies often undermine the success of projects aimed at the rural poor; and 4) success in rural development often rests on sociological and cultural factors, difficult areas that deserve more attention. For urban areas the Bank has strongly endorsed providing "sites and sources" instead of structures; since 1972, 52 Bank projects centered on urban shelter involving US$1.6 billion have been undertaken. Cost recovery is established at 66-95%. About 5% of Bank lending is for education and despite the importance of population, health, and nutrition, these areas absorb less than 1% of the Bank's total lending program. Only US$400 million in population loans were made to 13 countries in the 1970s and only recently have separate health projects been started. Emphasis for the 1980s must be on rural development, urban shelter, primary education, health, education, and population.

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

    CERN Document Server

    Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas

    2016-01-01

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

  20. Population and the World Bank.

    Science.gov (United States)

    Sankaran, S

    1973-12-01

    The World Bank Group regards excessive population growth as the single greatest obstacle to economic and social advance in the underdeveloped world. Since 1969 the Bank and the International Development Agency have provided countries with technical assistance through education, fact-finding, and analysis and given 65.7 million dollars for population projects. These projects, in India, Indonesia, Iran, Jamaica, and Malaysia provide training centers, population education, research, and evaluation as well as actual construction of clinics and mobile units. Because population planning touches sensitive areas of religion, caste, race, morality, and politics, the involved nation's political commitment to plan population growth is critical to the success of any program.

  1. Utopian Narratives of I. Banks

    Directory of Open Access Journals (Sweden)

    Novikova V. G.

    2013-01-01

    Full Text Available In the article art forms of utopian ideas embodiment in the novels of the Scottish writer I. Banks are considered. Utopian narratives are found both in the science-fiction cycle devoted to the civilization of Culture and in the novel "Business". Art modeling of the fundamental strategies of the society development characteristic for the New time, reveals their internal inconsistencies. Preindustrial, patriarchal living forms are offered instead. Novels by I. Banks visually demonstrate the feature of modern public consciousness and the absence of ideal future representations. In the article fantastic and realistic I. Banks’ novels are compared from the point of this utopian ideal.

  2. Remuneration in European Commercial Banks

    Directory of Open Access Journals (Sweden)

    József Tóth

    2016-04-01

    Full Text Available According to the new rules to be applied in the European Union, data on compensation of material risk takers are to be disclosed from year 2014. This paper overviews the different expectations regarding remuneration of bank managers highlighting the requirements of European Parliament and Council. Furthermore, it analyses data of 18 European banks disclosed based on the new lawful requirements. Based on empirical study it proves there is correlation between number of material risk takers and value of total assets. However this correlation is not too strong.

  3. The impact of bank size and funding risk on bank stability

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

    Full Text Available Does bank size significantly explain the variations in bank stability? Does bank funding risk significantly impact bank stability? This paper addresses these two questions with data from the rural banking industry in Ghana. Controlling for credit risk, liquidity risk, diversification in the business model, profitability, inflation, financial structure and gross domestic product, the results suggest that an increase in the size of a rural bank results in an increase in its stability. The results also show that funding risk positively impacts bank stability. The positive relationship between size and bank stability has important repercussions for the current debate on whether or not to constrain bank size to insulate the financial system from future crisis. The positive relationship between funding risk and bank stability also has important implications for the current debate on funding of retail banks.

  4. The Effect of Foreign Bank Presence on Domestic Banks Performance: An Evidence from a Developing Economy

    Directory of Open Access Journals (Sweden)

    Usman Bashir

    2014-04-01

    Full Text Available This study examines the effect of foreign bank presence on the behaviour of domestic banks by using the annual data of 37 commercial banks comprising of 7 foreign and 30 domestic banks for the time period of 2007 to 2011. We investigated how net interest margin, return on assets, overhead costs, cost to income and nonperforming loans are effected by the foreign bank presence. We have used panel regression analysis employing bank specific fixed effect model. As a developing country case, the results suggest that the increase in foreign bank share effects the interest margins and profitability of domestic banks in a decreasing manner. It wouldn't be erroneous to express that foreign banks have a positive effect on the competitive environment of domestic banks increasing overall banking standard in Pakistan, the licensing policies should be further liberalized to let new entrants further improve the domestic financial intermediation system.

  5. 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

  6. Assessment of Correspondent Banks Case Study

    Directory of Open Access Journals (Sweden)

    Abeer F.A.A. Abbadi

    2011-01-01

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

  7. PROSPECTS OF ISLAMIC BANKING: REFLECTIONS FROM PAKISTAN

    Directory of Open Access Journals (Sweden)

    Muhammad Akram

    2011-06-01

    Full Text Available This study examines the growth and development phases as well as prospects of Islamic banking in Pakistan. The role of Islamic banking is explained with special regards to corporate social responsibility (CSR as now days this concept is growing vastly. Awareness in public also has been growing and people are moving towards Islamic banking system. As we live in a Muslim country so it is very essential to have some basic knowledge about the Islamic banking. In this paper growth and performance of Islamic banking is discussed and compared among the financial years from 2003 to 2010 in terms of growth parameters like assets, deposits, sources and uses of funds. The performance indicators are also discussed to evaluate the growth and performance of Islamic banking system. In the last eight years, Islamic banking paved with the rapid market share of banking services. Moreover the efforts made by the central bank in Pakistan (SBP are also remarkable in growth of Islamic banking. By seeing the present growth of Islamic banking, it is anticipated that in near future, Islamic banking with get major share in banking industry in Pakistan.

  8. 76 FR 70132 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-11-10

    ... Bank Valrico Florida Grand Bank & Trust of Florida West Palm Beach Florida The Perkins State Bank... Rockland Massachusetts South Coastal Bank Rockland Massachusetts The Cooperative Bank Roslindale... Delmarva Seaford Delaware First Southern Bank Boca Raton Florida Platinum Bank Brandon Florida...

  9. El sistema presidencial mexicano. Actualidad y perspectivas

    OpenAIRE

    Diego VALADÉS

    2011-01-01

    Este ensayo presenta un análisis del sistema presidencial mexicano desde una perspectiva constitucional. Se hace especial referencia a la concentración del poder presidencial y a las relaciones entre el Congreso y el gobierno. Asimismo, se incluyen consideraciones comparativas entre los sistemas presidenciales estadounidense y mexicano. El concepto vertical del poder en México no ha sido modificado de manera significativa desde su versión original de 1917, por lo que se hacen ostensibles las ...

  10. Interdigitated back contact solar cells

    Science.gov (United States)

    Lundstrom, M. S.; Schwartz, R. J.

    1980-08-01

    The interdigitated back contact solar cell (IBC cell) was shown to possess a number of advantages for silicon solar cells, which operate at high concentration. A detailed discussion of the factors which need to be considered in the analysis of semiconducting devices which utilize heavily doped regions such as those which are found in solar cells in both the emitter and in the back surface field regions is given. This discussion covers the questions of: how to handle degeneracy, how to compute carrier concentrations in the absence of knowledge of the details of the band structure under heavily doped conditions, and how to reconcile the usual interpretation of heavy doping as a rigid shift of the bands with the band tailing and impurity level conduction models. It also discusses the reasons for the observed discrepancies between various experimental measurements of bandgap narrowing.

  11. [Back ache in helicopter pilots].

    Science.gov (United States)

    Colak, S; Jovelić, S; Manojlović, J

    1992-01-01

    Due to low back pain (LBP) and harmful effects of flying, questionnaires were sent to 71 helicopter pilots of the experimental group, 22 mechanics helicopter flyers and to the control group of 28 air-traffic controllers. The prevalence of LBP was the highest in helicopter pilots, then in helicomechanics and air-traffic controllers (53%, 50% and 36%). Effects of exposure to vibration, body posture and working load have not contributed significantly to the occurrence of LBP. LBP has not lead to an important difference in the strength of the back musculature, body mass index and spondylosis, that is, scoliosis. The necessity of further study of LBP and maintaining of specific preventive measures are indicated.

  12. 77 FR 60996 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-05

    ... 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... 30309: 1. Guido Edwin Hinojosa Cardoso, La Paz, Bolivia; to voting shares of Anchor Commercial...

  13. 76 FR 66719 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-10-27

    ... 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... 30309: 1. Guido Edwin Hinojosa Cardoso, La Paz, Bolivia; to acquire additional voting shares of...

  14. 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.

  15. A large eddy simulation (LES) study of inertial deposition of particles onto in-line tube-banks

    CERN Document Server

    Jin, C; Swailes, D C; Reeks, M W

    2016-01-01

    We study deposition and impact of heavy particles onto an in-line tube-banks within a turbulent cross flow through Lagrangian particle tracking coupled with an LES modelling framework. The flow Reynolds number based on the cylinder diameter D and flow velocity between the gap of two vertically adjacent cylinders is 33960. We examine the flow structures across the tube bank and report surface pressure characteristics on cylinders. Taking into account particle-wall impact and bounce, we study dispersion and deposition of three sets of particles (St = 0.35, 0.086, 0.0075) based on 107 particles tracked through the turbulent flow resolved by LES. The deposition efficiency for the three sets of particles are reported across the tube-banks. Positions of particle deposited onto tube-banks shows that significantly more of smaller particles deposit onto the back-side of the back-banks. This suggests that the smaller particles are easier to be entrained into the wake and impact onto the back-side of cylinders.

  16. 76 FR 17521 - Assessments, Large Bank Pricing

    Science.gov (United States)

    2011-03-30

    ... 327 RIN 3064-AD66 Assessments, Large Bank Pricing AGENCY: Federal Deposit Insurance Corporation (FDIC... Register of February 25, 2011 (76 FR 10672), regarding Assessments, Large Bank Pricing. This...

  17. Foreign Banks Set Sights on Housing Loans

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    Having cleared all the hurdles to enter the market, locally incorporated foreign banks declare their intentions to dive into the personal housing loan business in China A battle is brewing between domestic and locally incorporated foreign banks over the

  18. Competing for Private Banking Pie in China

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    @@ China's private banking: A big piece of the pie PricewaterhouseCoopers (PWC) released a report on the global private banking sector in 2007 after top executives from 265 companies in 43 countries answered responded to a questionnaire.

  19. Characteristics of Managing Operational Banking Risk

    Directory of Open Access Journals (Sweden)

    Adela Socol

    2008-12-01

    Full Text Available The objective of this paper is to provide a global perspective of the operational risk from a banking societies’ viewpoint. We describe the main regulations and settlements in the field and examine the various approaches of the operational banking risk. The paper presents the need of banks to managing operational risk. We study comparatively for a banking society the capital charge for covering the operational risk under the basic indicator approach and under the standardized approach. We present a case study of implementing current capital requirements at the level of a Romanian banking society. From the theoretical approach and from the description of quantifying of operational banking risk, the results of this study insist on the importance of measuring of operational banking risk and identifies major issues that need to be considered to improve the managing operational banking risk.

  20. Specific Features of Internal Audit in Banks

    Directory of Open Access Journals (Sweden)

    Ivo Mijoč

    2011-12-01

    Full Text Available The aim of the paper is to investigate internal audit in Croatian banks and to point to its more efficient implementation. The paper provides an explanation of key terms related to internal audit in banks, defining audit, types of audit as well as its objectives and roles. In addition to specific properties of the banking system, implementation of internal audit in banks is explained as well. The year 2005 is significant due to the adoption of the Bank Act which is primarily based on provisions of BIS (Banking Information System. The Act has brought about significant changes in the concept of internal audit in banks. The general message of this paper is that internal audit, being a relatively young profession, is marked by accelerated growth, and Croatian banks should adapt their business accordingly.

  1. Regional Development and Effects of Investment Banks

    Directory of Open Access Journals (Sweden)

    İsmail Erkan Çelik

    2013-04-01

    Full Text Available The World Bank is the most important financier for international investment. The bank opens credits mostly for investment projects in developing countries. Turkey has received various investment credits since its membership to the World Bank on March 11, 1947. The credits were used for economic and social domains. Turkey has also been granted credits from the European Investment Bank (EIB. The credits received are composed of micro credits that belong to small and medium enterprises (SMEs. A regional development bank, Islamic Development Bank, has also received credits through Eximbank and Industrial Development Bank of Turkey (TSKB to finance Turkish SMEs. This paper deals with Turkish investment strategies in the framework of basic principles of investment – development banks.

  2. Methods of marketing research in banking

    OpenAIRE

    Kraevskiy, B.; Makukhina, Ya.

    2017-01-01

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

  3. Cogeneration Systems; Sistemas de Cogeneracion

    Energy Technology Data Exchange (ETDEWEB)

    Fernandez M, Manuel F; Huante P, Liborio; Romo M, Cesar A [Instituto de Investigaciones Electricas, Cuernavaca, Morelos (Mexico)

    2006-07-01

    The present article deals on relevant aspects on the subject of cogeneration within the Mexican territorial limits. In the first place it is presented the role of Mexico in terms of its cogeneration potential, the type of service that has obtained from this predominant modality of cogeneration for self-supplying, the most propitious sectors to develop it, its legislations on the matter, the projects made for the implementation of cogeneration plants, as well as the existing cogeneration schemes for its respective optimization proposals. Without leaving out the analysis on the different types of evaluation on the efficiency of cogeneration systems and the aspects to consider for the election of a generation cycle. [Spanish] El presente articulo trata sobre aspectos relevantes en materia de cogeneracion dentro de los limites territoriales de la nacion mexicana. Se muestra en primer lugar el papel de Mexico en terminos de su potencial de cogeneracion, el tipo de servicio que ha obtenido de esta predominantemente (modalidad de cogeneracion para autoabastecimiento), los sectores mas propicios para desarrollarla, sus legislaciones al respecto, los proyectos realizados para la implementacion de plantas de cogeneracion, asi como los esquemas de cogeneracion existentes con sus respectivas propuestas de optimizacion. Sin dejar de lado el analisis sobre los distintos tipos de evaluacion de la eficiencia de sistemas de cogeneracion y los aspectos a considerar para la eleccion de un ciclo de generacion.

  4. Soil seed banks Banco de sementes do solo

    Directory of Open Access Journals (Sweden)

    P.J. Christoffoleti

    1998-01-01

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

  5. Systems for Guaranteeing Bank Deposits

    OpenAIRE

    Florin Untaru

    2013-01-01

    The advent of the financial crisis and the latest event that occurred in Cyprus bring new light to how states intervene when commercial banks are facing the risk of bankruptcy. While until now institutions had a clear traditional role to protect depositors, currently there is a trend to transfer damage to companies and individuals that hold deposits.

  6. New Economy, Old Central Banks?

    NARCIS (Netherlands)

    Berk, Jan Marc

    2002-01-01

    Proponents of the so-called New Economy claim that it entails a structural change of the economy. Such a change, in turn, would require the central bank to rethink its monetary policy to the extent that traditional relationships between inf1ation and economic growth are no longer valid. But such a r

  7. Essays on competition in banking

    NARCIS (Netherlands)

    van Boxtel, A.A.

    2015-01-01

    This thesis consists of three chapters of a theoretical nature, all related to the topic of competition in the financial sector. The first chapter studies how competition for talented workers induces banks to set variable wage schemes, and how these wage schemes can lead to excessive risk. The secon

  8. Item Banking with Embedded Standards

    Science.gov (United States)

    MacCann, Robert G.; Stanley, Gordon

    2009-01-01

    An item banking method that does not use Item Response Theory (IRT) is described. This method provides a comparable grading system across schools that would be suitable for low-stakes testing. It uses the Angoff standard-setting method to obtain item ratings that are stored with each item. An example of such a grading system is given, showing how…

  9. A Classroom Experiment on Banking

    Science.gov (United States)

    Kassis, Mary Mathewes; Hazlett, Denise; Ygosse Battisti, Jolanda E.

    2012-01-01

    This classroom experiment uses double oral auction credit markets to illustrate the role of banks as financial intermediaries. The experiment demonstrates how risk affects market interest rates in the presence of asymmetric information. It provides fodder for a discussion of the moral-hazard problem of deposit insurance and its impact on depositor…

  10. Learning and the central bank

    OpenAIRE

    Charles T. Carlstrom; Timothy S. Fuerst

    2001-01-01

    It is well known that sunspot equilibria may arise under an interest-rate operating procedure in which the central bank varies the nominal rate with movements in future inflation (a forward-looking Taylor rule). This paper demonstrates that these sunspot equilibria may be learnable in the sense of E-stability.

  11. Transportation Environment Data Bank index

    Energy Technology Data Exchange (ETDEWEB)

    Davidson, C.A.; Foley, J.T.

    1977-04-01

    In an effort to determine the environment intensities to which energy materials in transit will be exposed, a ''Data Bank'' of environmental information has been established by Sandia Laboratories, Division 1285 for the ERDA Division of Environmental Control Technology. This document is an index which can be used to request data of interest.

  12. Strengthening E - Banking security using Keystroke Dynamics

    OpenAIRE

    AHMAD KABIR USMAN; MAHMOOD HUSSA IN SHAH

    2013-01-01

    This paper investigates keystroke dynamics and its possible use as a tool to prevent or detect fraud in the banking industry. Given that banks are constantly on the lookout for improved methods to address the menace of fraud, the paper sets out to review keystroke dynamics, its advantages, disadvantages and potential for improving the security of e-banking systems. This paper evaluates keystroke dynamics suitability of use for enhancing security in the banking sector. Results from the literat...

  13. Analisis Perbandingan Sistem Pemberian Kredit Pada Bank Konvensional (PT. Bank Cimb Niaga) Dan Sistem Pembiayaan Murabahah Pada Bank Syariah (PT. Bank Cimb Niaga Syariah) Di Medan

    OpenAIRE

    Kardina, Tika

    2011-01-01

    Tujuan penelitian ini adalah untuk mengetahui sistem pembiayaan KPR (Kredit Pemilikan Rumah) bank konvensional khususnya Bank CIMB Niaga dan sistem Pembiayaan kepemilikan Rumah (PKR) khususnya Bank CIMB Niaga Syariah di Medan. Metode Analisis data yang digunakan dalam penelitian ini adalah metode analisis deskriptif, yaitu data yang dikumpulkan mula-mula disusun, diklasifikasikan, dan dianalisis sehingga akan memberikan gambaran yang jelas mengenai sistem pembiayaan KPR di bank konvensional d...

  14. Shadow Banking – International and Domestic Developments

    OpenAIRE

    Josef Manalo; Kate McLoughlin; Carl Schwartz

    2015-01-01

    One of the lessons from the global financial crisis is that systemic risk to the financial system can arise from outside the regular banking system, in so-called ‘shadow banking’. This article reviews post-crisis international and domestic trends in shadow banking, and regulatory efforts to better understand and address potential risks that may arise. In Australia, systemic risks arising from shadow banking appear limited given its relatively small size and minimal links to the banking system...

  15. Context-aware application for mobile banking

    OpenAIRE

    Polak, Marko

    2011-01-01

    The field of mobile applications is rapidly evolving. The reason for this lies in the development of smartphones and in the beginning of their wider usage. The development of mobile applications is therefore spreading into different fields. One of them is mobile banking. Mobile banking represents new possibilities in the banking sector. It enables banking services that are independent from time and location and, with transition to smartphones, it also enables the usage of advantages of mo...

  16. Capitalizing Central Banks: A Net Worth Approach

    OpenAIRE

    Alain Ize

    2005-01-01

    This paper provides a simple, quantitative, net worth-based, approach to assessing the need for central bank capital. It derives a concept of "core capital" (a function of the central bank's operating expenditures and the carrying cost of its international reserves) as the minimum capital needed by a central bank to ensure the credibility of its inflation target. The approach is illustrated with the published accounts of three loss-making central banks and selected accounting entries for a br...

  17. Development of the banking system in Georgia

    OpenAIRE

    Kbiltsetskhlashvili, Tea

    2008-01-01

    Over fifteen years have passed since the beginning of the reconstruction of the transition countries' banking systems. The analysis of the development of commercial banking in Georgia and other transition countries points out several features, which are typical for the starting period of financial sector reforms. It turns out from this article that the success of the reconstruction of banking sector in certain countries differs substantially. Since the starting of reforms the Georgian banking...

  18. EME banking systems and regional financial integration

    OpenAIRE

    Bank for International Settlements

    2014-01-01

    This report - prepared by a Study Group chaired by Andrew Khoo (Monetary Authority of Singapore) - develops a central bank perspective on the regional integration of EME banking systems and financial markets, assesses the drivers of these developments, and draws broad conclusions for policymakers. The findings are based on data from the BIS international banking statistics (IBS) and various other public sources, interviews with the private sector, inputs from central banks from non-CGFS juris...

  19. Perbandingan Penawaran Investasi Depostio Bank Syariah

    OpenAIRE

    Hery Harjono Muljo; Holly D

    2010-01-01

    From the beginning, the sharia banks operation is always supporting mosleem expectations. Economic recovery, fairness, security, and comfortness aspects are became ultimate goals of sharia bank in Indonesia. This research is comparing the investment deposits from 3 sharia banks, and 4 business units of sharia, by using comparative descriptive analysis. The comparative variables were devided into 3 categories; there are Nisbah (profit sharing), investment conditions, and bank fascilities. The ...

  20. ACCEPTANCE OF E-BANKING AMONG CUSTOMERS

    OpenAIRE

    K.T. Geetha; V.Malarvizhi

    2012-01-01

    Financial liberalization and technology revolution have allowed the developments of newand more efficient delivery and processing channels as well as more innovative products andservices in banking industry. Banking institutions are facing competition not only from each otherbut also from non-bank financial intermediaries as well as from alternative sources of financing.Another strategic challenge facing banking institutions today is the growing and changing needsand expectations of consumers...

  1. 12 CFR Appendix D to Part 229 - Indorsement, Reconverting Bank Identification, and Truncating Bank Identification Standards

    Science.gov (United States)

    2010-01-01

    ... asterisk outside the arrow at each end of the routing number to identify the bank as a reconverting bank... asterisk at each end of the number to identify the bank as a reconverting bank; (B) The indorsement date... nine-digit routing number (without arrows) and an asterisk at each end of the number. (iii)...

  2. Bank Ownership and Credit over the Business Cycle : Is Lending by State Banks Less Procyclical?

    NARCIS (Netherlands)

    Bertay, A.C.; Demirgüc-Kunt, A.; Huizinga, H.P.

    2012-01-01

    Abstract: This paper finds that lending by state banks is less procyclical than lending by private banks, especially in countries with good governance. Lending by state banks in high income countries is even countercyclical. On the liability side, state banks expand potentially unstable non-deposit

  3. Bank ownership and credit over the business cycle : Is lending by state banks less procyclical?

    NARCIS (Netherlands)

    Bertay, A.C.; Demirguc-Kunt, Asli; Huizinga, Harry

    2015-01-01

    This paper finds that lending by state banks is less procyclical than lending by private banks, especially in countries with good governance. Lending by state banks in high income countries is even countercyclical. On the liability side, state banks expand their total liabilities and, in particular,

  4. 26 CFR 1.581-2 - Mutual savings banks, building and loan associations, and cooperative banks.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Mutual savings banks, building and loan associations, and cooperative banks. 1.581-2 Section 1.581-2 Internal Revenue INTERNAL REVENUE SERVICE... § 1.581-2 Mutual savings banks, building and loan associations, and cooperative banks. (a) While...

  5. Vice Premier Zeng Peiyan Meets with Michael Cohrs, CEO of Corporate & Investment Banking of Deutsche Bank

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    <正>Invited by the CPAFFC, Michael Cohrs, Chief Executive Officer of the Corporate and Investment Banking of Deutsche Bank, visited Beijing from February 26 to 28, 2004. Vice Premier Zeng Peiyan of the State Council met with Cohrs and his party. Deutsche Bank AG, a global multipurpose bank

  6. Banking union and the future of alternative banks: revival, stagnation or decline?

    NARCIS (Netherlands)

    Deeg, Richard; Donnelly, Shawn

    2016-01-01

    Banking union challenges the institutional mechanisms that alternative banks use to retain their status, goals, identity and carry out their operations. Yet the impact of banking union on them varies considerably and systematically: those alternative banks that held most closely to the traditional m

  7. Gridded bathymetry of Galvez Bank, S. Galvez Bank, and 11-Mile Reef, Territory of Guam, USA

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Gridded bathymetry (5m) of the bank environment of Galvez Bank, and 2 small nearby banks S. Galvez Bank (~ 3 nmi south of Galvez) and 11-mile Reef (~ 5 nmi north of...

  8. Geographic Diversification, Competition and Bank Survival

    NARCIS (Netherlands)

    T. Jochem

    2013-01-01

    This article analyzes the effects from portfolio diversification and banking competition on the stability of U.S. banks during the 2008-2011 banking crisis. To do so, it uses exogenous cross-sectional and time-series variation in states' branching restrictions between 1997-2005, the degree of local

  9. A Method for Simulating Bank Reconciliation

    Science.gov (United States)

    Klemin, Vernon W.

    1974-01-01

    A method of simulation to tie check writing, making deposits, finding outstanding checks, receiving bank statements, and bank reconciliation into a process is presented as a way to convey to students a feeling of a procedure completed. A step-by-step teaching procedure and examples of bank statements are included. (AG)

  10. Central bank independence and inflation revisited

    NARCIS (Netherlands)

    Klomp, Jeroen; de Haan, Jakob

    2010-01-01

    We re-examine the relationship between central bank independence (CBI), proxied by the central bank governor's turnover rate and an indicator based on central bank laws in place, and inflation using a random coefficient model with the Hildreth-Houck estimator for more than 100 countries in the perio

  11. 40 CFR 89.205 - Banking.

    Science.gov (United States)

    2010-07-01

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

  12. 40 CFR 96.255 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.255 Section 96.255 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.255 Banking. (a) CAIR SO2 allowances may be banked for future use or transfer in...

  13. 40 CFR 60.4155 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 6 2010-07-01 2010-07-01 false Banking. 60.4155 Section 60.4155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) STANDARDS OF... Generating Units Hg Allowance Tracking System § 60.4155 Banking. (a) Hg allowances may be banked for...

  14. 40 CFR 97.155 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.155 Section 97.155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. (a) CAIR NOX allowances may be banked for future use or transfer in a compliance account or...

  15. 40 CFR 96.55 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.55 Section 96.55 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.55 Banking. (a) NOX allowances may be banked for future use or transfer in...

  16. 40 CFR 96.155 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.155 Section 96.155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.155 Banking. (a) CAIR NOX allowances may be banked for future use or transfer in...

  17. 40 CFR 96.355 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.355 Section 96.355 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Allowance Tracking System § 96.355 Banking. (a) CAIR NOX Ozone Season allowances may be banked for...

  18. 40 CFR 90.205 - Banking.

    Science.gov (United States)

    2010-07-01

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

  19. 40 CFR 97.55 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.55 Section 97.55 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. NOX allowances may be banked for future use or transfer in a compliance account, an...

  20. 40 CFR 97.355 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.355 Section 97.355 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... System § 97.355 Banking. (a) CAIR NOX Ozone Season allowances may be banked for future use or transfer...