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  1. Preliminary Assessment of Sponge Biodiversity on Saba Bank, Netherlands Antilles

    NARCIS (Netherlands)

    Thacker, R.W.; Díaz, M.C.; de Voogd, N.J.; van Soest, R.W.M.; Freeman, C.J.; Mobley, A.S.; LaPietra, J.; Cope, K.; McKenna, S.

    2010-01-01

    Background Saba Bank Atoll, Netherlands Antilles, is one of the three largest atolls on Earth and provides habitat for an extensive coral reef community. To improve our knowledge of this vast marine resource, a survey of biodiversity at Saba Bank included a multi-disciplinary team that sampled fishe

  2. Netherlands Antilles.

    Science.gov (United States)

    1983-10-01

    This discussion of the Netherlands Antilles focuses on the following: geography, the people, history, government, political conditions, economy, and foreign relations. In 1980 the population totaled 253,400 with an annual growth rate of 1%. The Netherlands Antilles consists of 2 groups of 3 islands each, situated in the Caribbean Sea about 880 kilometers apart. 40 nationalities are represented. Dutch is the official language, but Spanish and English are spoken widely. Alonzo de Ojeda, a Spanish navigator, landed on Curacao in 1499, and in 1527 the Spanish took possession of Curacao, Bonaire, and Aruba. In 1634 the 3 islands passed to the Netherlands, where they have remained except for 2 short periods during the Napoleonic wars when the British ruled at Willemstad. According to the statute of 1954, which serves as the constitution, the Netherlands Antilles has a constitutional and parliamentary form of government. The highest power in the Kingdom of the Netherlands is the sovereign, Queen Beatrix, who is represented in the Antilles by an appointed governor. The independent court system is under the control of the chief justice of the Supreme Court of Justice. Each of the island territories has its own representative body, the Island Council. Politics are dominated by 3 issues: economic problems, the prospect of independence, and Aruban separatism. The economic well-being of the Netherlands Antilles is based principally on the operations of 2 huge oil refineries. Because of the high volume of shipments in and out of the 2 islands, Curacao and Aruba ports are among the busiest in the world. Until recently, petroleum or petroleum products accounted for about 85% of the dollar volume of imports and exports from the Netherlands Antilles. That figure has declined with the worldwide oil glut, and the refineries are using only 50-60% of capacity. The next most important industries are tourism and offshore investment and banking. The per capita income in the Antilles is one

  3. A Lithothamnion bank at Bonaire (Netherlands Antilles)

    NARCIS (Netherlands)

    Zaneveld, J.S.

    1958-01-01

    The part certain lime-secreting marine algae play in the building of coral reefs and in the formation of banks was discussed chiefly at the end of the last and in the beginnig of this century. At that time it was already known that extensive parts of the sublittoral zone of the Arctic sea were cover

  4. Preliminary assessment of sponge biodiversity on Saba Bank, Netherlands Antilles.

    Directory of Open Access Journals (Sweden)

    Robert W Thacker

    Full Text Available BACKGROUND: Saba Bank Atoll, Netherlands Antilles, is one of the three largest atolls on Earth and provides habitat for an extensive coral reef community. To improve our knowledge of this vast marine resource, a survey of biodiversity at Saba Bank included a multi-disciplinary team that sampled fishes, mollusks, crustaceans, macroalgae, and sponges. METHODOLOGY/PRINCIPAL FINDINGS: A single member of the dive team conducted surveys of sponge biodiversity during eight dives at six locations, at depths ranging from 15 to 30 m. This preliminary assessment documented the presence of 45 species pooled across multiple locations. Rarefaction analysis estimated that only 48 to 84% of species diversity was sampled by this limited effort, clearly indicating a need for additional surveys. An analysis of historical collections from Saba and Saba Bank revealed an additional 36 species, yielding a total of 81 sponge species recorded from this area. CONCLUSIONS/SIGNIFICANCE: This observed species composition is similar to that found on widespread Caribbean reefs, indicating that the sponge fauna of Saba Bank is broadly representative of the Caribbean as a whole. A robust population of the giant barrel sponge, Xestospongia muta, appeared healthy with none of the signs of disease or bleaching reported from other Caribbean reefs; however, more recent reports of anchor chain damage to these sponges suggests that human activities can have dramatic impacts on these communities. Opportunities to protect this extremely large habitat should be pursued, as Saba Bank may serve as a significant reservoir of sponge species diversity.

  5. Biodiversity assessment of the fishes of Saba Bank atoll, Netherlands Antilles.

    Directory of Open Access Journals (Sweden)

    Jeffrey T Williams

    Full Text Available Biodiversity surveys were conducted on Saba Bank, Netherlands Antilles, to assess ichthyofaunal richness and to compare with published surveys of other Caribbean localities. The primary objective was to estimate the total species richness of the Saba Bank ichthyofauna. A variety of sampling techniques was utilized to survey the fish species of both the visually accessible megafauna and the camouflaged and small-sized species comprising the cryptic ichthyofauna.Based on results presented herein, the number of species known on Saba Bank is increased from 42 previously known species to 270 species. Expected species-accumulation curves demonstrate that the current estimate of species richness of fishes for Saba Bank under represents the actual richness, and our knowledge of the ichthyofauna has not plateaued. The total expected fish-species richness may be somewhere between 320 and 411 species.The Saba Bank ichthyofaunal assemblage is compared to fish assemblages found elsewhere in the Caribbean. Despite the absence of shallow or emergent shore habitats like mangroves, Saba Bank ranks as having the eighth highest ichthyofaunal richness of surveyed localities in the Greater Caribbean. Some degree of habitat heterogeneity was evident. Fore-reef, patch-reef, and lagoonal habitats were sampled. Fish assemblages were significantly different between habitats. Species richness was highest on the fore reef, but 11 species were found only at lagoonal sites.A comprehensive, annotated list of the fishes currently known to occur on Saba Bank, Netherland Antilles, is provided and color photographs of freshly collected specimens are presented for 165 of the listed species of Saba Bank fishes to facilitate identification and taxonomic comparison with similar taxa at other localities. Coloration of some species is shown for the first time. Preliminary analysis indicates that at least six undescribed new species were collected during the survey and these are

  6. Reef fishes of Saba Bank, Netherlands Antilles: assemblage structure across a gradient of habitat types.

    Directory of Open Access Journals (Sweden)

    Wes Toller

    Full Text Available Saba Bank is a 2,200 km(2 submerged carbonate platform in the northeastern Caribbean Sea off Saba Island, Netherlands Antilles. The presence of reef-like geomorphic features and significant shelf edge coral development on Saba Bank have led to the conclusion that it is an actively growing, though wholly submerged, coral reef atoll. However, little information exists on the composition of benthic communities or associated reef fish assemblages of Saba Bank. We selected a 40 km(2 area of the bank for an exploratory study. Habitat and reef fish assemblages were investigated in five shallow-water benthic habitat types that form a gradient from Saba Bank shelf edge to lagoon. Significant coral cover was restricted to fore reef habitat (average cover 11.5% and outer reef flat habitat (2.4% and declined to near zero in habitats of the central lagoon zone. Macroalgae dominated benthic cover in all habitats (average cover: 32.5--48.1% but dominant algal genera differed among habitats. A total of 97 fish species were recorded. The composition of Saba Bank fish assemblages differed among habitat types. Highest fish density and diversity occurred in the outer reef flat, fore reef and inner reef flat habitats. Biomass estimates for commercially valued species in the reef zone (fore reef and reef flat habitats ranged between 52 and 83 g/m(2. The composition of Saba Bank fish assemblages reflects the absence of important nursery habitats, as well as the effects of past fishing. The relatively high abundance of large predatory fish (i.e. groupers and sharks, which is generally considered an indicator of good ecosystem health for tropical reef systems, shows that an intact trophic network is still present on Saba Bank.

  7. Rapid assessment of octocoral diversity and habitat on Saba Bank, Netherlands Antilles.

    Directory of Open Access Journals (Sweden)

    Peter J Etnoyer

    Full Text Available Saba Bank is a large submerged platform (approximately 2200 km(2, average depth 30 m, located 4 km southwest of Saba Island in Netherlands Antilles, Caribbean Sea. Ships traveling to and from oil terminals on nearby St. Eustatius routinely anchor on the Bank, damaging benthic megafauna. Gorgonian octocorals are vulnerable to anchor damage, and they are common and conspicuous in shallow water (15-50 m around the banks. This prompted a rapid assessment of octocoral habitat and diversity. The primary objectives were to estimate total species richness and to characterize habitats vis a vis gorgonians. Landsat imagery and multibeam bathymetry were employed to identify random sites for quantitative transects. A Seabotix LBV200L remotely operated vehicle (ROV and SCUBA were used to collect and survey to 130 m. A total of 14 scuba dives and 3 ROV dives were completed in 10 days. During that time, 48 octocoral species were collected, including two likely undescribed species in the genera Pterogorgia and Lytreia. Gorgonian richness was exceptional, but not all species were collected, because the species accumulation curve remained steeply inclined after all surveys. Two shallow-water gorgonian habitat types were identified using multidimensional scaling and hierarchical cluster analyses: 1 a high diversity, high density fore-reef environment characterized by Eunicea spp., Gorgonia spp., and Pseudopterogorgia spp. and 2 a low diversity, low density plateau environment characterized by Pseudopterogorgia acerosa, Pterogorgia guadalupensis, and Gorgonia mariae. The analyses support hypotheses of broad (approximately 15 km habitat homogeneity (ANOSIM, P>0.05, but a significant difference between fore-reef and plateau environments (ANOSIM, P<0.05. However, there was some indication of habitat heterogeneity along the 15 km study section of the 50 km platform edge along the southeast rim. Our results highlight the complexity and biodiversity of the Saba Bank, and

  8. Rapid assessment of stony coral richness and condition on Saba Bank, Netherlands Antilles.

    Directory of Open Access Journals (Sweden)

    Sheila A McKenna

    Full Text Available The benthic habitats of Saba Bank (17 degrees 25'N, 63 degrees 30'W are at risk from maritime traffic, especially oil tankers (e.g., anchoring. To mitigate this risk, information is needed on the biodiversity and location of habitats to develop a zone use plan. A rapid survey to document the biodiversity of macro-algae, sponges, corals and fishes was conducted. Here we report on the richness and condition of stony coral species at 18 select sites, and we test for the effects of bottom type, depth, and distance from platform edge. Species richness was visually assessed by roving scuba diver with voucher specimens of each species collected. Coral tissue was examined for bleaching and diseases. Thirty-three coral species were documented. There were no significant differences in coral composition among bottom types or depth classes (ANOSIM, P>0.05. There was a significant difference between sites (ANOSIM, P<0.05 near and far from the platform edge. The number of coral species observed ranged from zero and one in algal dominated habitats to 23 at a reef habitat on the southern edge of the Bank. Five reef sites had stands of Acropora cervicornis, a critically endangered species on the IUCN redlist. Bleaching was evident at 82% of the sites assessed with 43 colonies bleached. Only three coral colonies were observed to have disease. Combining our findings with that of other studies, a total of 43 species have been documented from Saba Bank. The coral assemblage on the bank is representative and typical of those found elsewhere in the Caribbean. Although our findings will help develop effective protection, more information is needed on Saba Bank to create a comprehensive zone use plan. Nevertheless, immediate action is warranted to protect the diverse coral reef habitats documented here, especially those containing A. cervicornis.

  9. Rapid assessment of stony coral richness and condition on Saba Bank, Netherlands Antilles.

    Science.gov (United States)

    McKenna, Sheila A; Etnoyer, Peter

    2010-05-21

    The benthic habitats of Saba Bank (17 degrees 25'N, 63 degrees 30'W) are at risk from maritime traffic, especially oil tankers (e.g., anchoring). To mitigate this risk, information is needed on the biodiversity and location of habitats to develop a zone use plan. A rapid survey to document the biodiversity of macro-algae, sponges, corals and fishes was conducted. Here we report on the richness and condition of stony coral species at 18 select sites, and we test for the effects of bottom type, depth, and distance from platform edge. Species richness was visually assessed by roving scuba diver with voucher specimens of each species collected. Coral tissue was examined for bleaching and diseases. Thirty-three coral species were documented. There were no significant differences in coral composition among bottom types or depth classes (ANOSIM, P>0.05). There was a significant difference between sites (ANOSIM, PAcropora cervicornis, a critically endangered species on the IUCN redlist. Bleaching was evident at 82% of the sites assessed with 43 colonies bleached. Only three coral colonies were observed to have disease. Combining our findings with that of other studies, a total of 43 species have been documented from Saba Bank. The coral assemblage on the bank is representative and typical of those found elsewhere in the Caribbean. Although our findings will help develop effective protection, more information is needed on Saba Bank to create a comprehensive zone use plan. Nevertheless, immediate action is warranted to protect the diverse coral reef habitats documented here, especially those containing A. cervicornis.

  10. Mosquitoes of the Netherlands Antilles and their hygienic importance

    NARCIS (Netherlands)

    Kuyp, van der Edwin

    1954-01-01

    The Netherlands Antilles may be divided into: (1) The Curaçao Group (or Netherlands Leeward Islands): Curaçao, Aruba and Bonaire. (2) The St. Martin Group (or Netherlands Windward Islands): (Netherlands) St. Maarten, Saba and St. Eustatius. The latter islands are very small, forming together only 8.

  11. Situation Reports--Bahamas, Brasil, Guatemala, Netherlands Antilles (Curacao), Uruguay.

    Science.gov (United States)

    International Planned Parenthood Federation, London (England).

    Data relating to population and family planning in four foreign countries are presented in these situation reports. Countries included are Bahamas, Guatemala, Netherlands Antilles (Curacao), and Uruguay. Information is provided under two topics, general background and family planning situation, where appropriate and if it is available. General…

  12. Scale insects from the Netherlands Antilles

    NARCIS (Netherlands)

    Reyne, A.

    1964-01-01

    The following species have been reported from the Netherlands’ Antilles: Margarodes formicarum Guilding, collected in 1884 or 1885 by Prof. W. F. R. Suringar in Curaçao; specimens in the State Museum of Natural History at Leiden. Protortonia cacti (Linn.), collected in 1756 by Daniel Rolander in St.

  13. HIV transmission patterns among The Netherlands, Suriname, and The Netherlands Antilles: a molecular epidemiological study.

    Science.gov (United States)

    Kramer, Merlijn A; Cornelissen, Marion; Paraskevis, Dimitrios; Prins, Maria; Coutinho, Roel A; van Sighem, Ard I; Sabajo, Lesley; Duits, Ashley J; Winkel, Cai N; Prins, Jan M; van der Ende, Marchina E; Kauffmann, Robert H; Op de Coul, Eline L

    2011-02-01

    We aimed to study patterns of HIV transmission among Suriname, The Netherlands Antilles, and The Netherlands. Fragments of env, gag, and pol genes of 55 HIV-infected Surinamese, Antillean, and Dutch heterosexuals living in The Netherlands and 72 HIV-infected heterosexuals living in Suriname and the Antilles were amplified and sequenced. We included 145 pol sequences of HIV-infected Surinamese, Antillean, and Dutch heterosexuals living in The Netherlands from an observational cohort. All sequences were phylogenetically analyzed by neighbor-joining. Additionally, HIV-1 mobility among ethnic groups was estimated. A phylogenetic tree of all pol sequences showed two Surinamese and three Antillean clusters of related strains, but no clustering between ethnic groups. Clusters included sequences of individuals living in Suriname and the Antilles as well as those who have migrated to The Netherlands. Similar clustering patterns were observed in env and gag. Analysis of HIV mobility among ethnic groups showed significantly lower migration between groups than expected under the hypothesis of panmixis, apart from higher HIV migration between Antilleans in The Netherlands and all other groups. Our study shows that HIV transmission mainly occurs within the ethnic group. This suggests that cultural factors could have a larger impact on HIV mobility than geographic distance.

  14. Molecular Evidence for Dissemination of Unique Campylobacter jejuni Clones in Curaçao, Netherlands Antilles

    NARCIS (Netherlands)

    Duim, B.; Godschalk, P.C.R.; Braak, N. van den; Dingle, K.E.; Dijkstra, J.R.; Leyde, E.; Plas, J. van der; Colles, F.M.; Endtz, H.P.; Wagenaar, J.A.; Maiden, M.C.J.; Belkum, A. van

    2003-01-01

    Campylobacter jejuni isolates (n = 234) associated with gastroenteritis and the Guillain-Barré syndrome (GBS) in the island of Curaçao, Netherlands Antilles, and collected from March 1999 to March 2000 were investigated by a range of molecular typing techniques. Data obtained by pulsed-field gel ele

  15. Notes on marine fishes from the Netherlands Antilles, with the description of a new species, Eutyx tumidifrons (Brotulidae)

    NARCIS (Netherlands)

    Boeseman, M.

    1960-01-01

    A small number of fishes from the Netherlands Antilles has been collected and recently presented to the Leiden Museum by Dr. J. S. Zaneveld, Head of the Biology Department, College of William and Mary, Norfolk, Va., formerly Director of the Caraibisch Marien Biologisch Instituut, Curaçao; and Dr. L.

  16. On the water relation in limestone and diabase vegetation in the Leeward Islands of the Netherlands Antilles

    NARCIS (Netherlands)

    Stoffers, A.L.; Mansour Elassaiss, C.J.A.

    1967-01-01

    In a same macroclimate on the islands of the Leeward Group of the Netherlands Antilles two types of vegetation are chiefly found. A vegetation pertaining to the dry evergreen formation series on limestone and a vegetation on diabase belonging to the seasonal formation series. Study was made of the w

  17. Shoreline changes and high-energy wave impacts at the leeward coast of Bonaire (Netherlands Antilles)

    Science.gov (United States)

    Engel, Max; Brückner, Helmut; Messenzehl, Karoline; Frenzel, Peter; May, Simon Matthias; Scheffers, Anja; Scheffers, Sander; Wennrich, Volker; Kelletat, Dieter

    2012-10-01

    Supralittoral coarse-clast deposits along the shores of Bonaire (Netherlands Antilles) as well as increased hurricane frequency during the past decade testify to the major hazard of high-energy wave impacts in the southern Caribbean. Since deducing certain events from the subaerial coarse-clast record involves major uncertainties and historical reports are restricted to the past 500 years, we use a new set of vibracore and push core data (i) to contribute to a more reliable Holocene history of regional extreme-wave events and (ii) to evaluate their impact on shoreline evolution. Multi-proxy palaeoenvironmental analyses (XRF, XRD, grain size distribution, carbonate, LOI, microfossils) were carried out using nearshore sedimentary archives from the sheltered western (leeward) side of Bonaire and its small neighbour Klein Bonaire. In combination with 14C-AMS age estimates the stratigraphy reflects a long-term coastal evolution controlled by relative sea level rise, longshore sediment transport, and short-term morphodynamic impulses by extreme wave action, all three of which may have significantly influenced the development of polyhaline lagoons and the demise of mangrove populations. Extreme wave events may be categorized into major episodic incidents (c. 3.6 ka [?] BP; 3.2-3.0 ka BP; 2.0-1.8 ka BP; post-1.3 ka [?] BP), which may correspond to tsunamis and periodic events recurring on the order of decades to centuries, which we interpret as severe tropical cyclones. Extreme wave events seem to control to a certain extent the formation of coastal ridges on Bonaire and, thus, to cause abrupt shifts in the long-term morphodynamic and ecological boundary conditions of the circumlittoral inland bays.

  18. Oceanographic data collected during the Bonaire 2008: Exploring Coral Reef Sustainability with New Technologies (bonaire2008) on Fetch1 AUV and Gavia AUV's in Netherlands, Antilles from January 6, 2008 - January 29, 2008 (NODC Accession 0072312)

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Bonaire, Netherlands Antilles, is arguably the most pristine coral reef environment in the Caribbean. The percent coral cover is the highest and percent algal cover...

  19. High-energy wave deposits at the eastern shore of Bonaire (Netherlands Antilles)

    Science.gov (United States)

    Engel, M.; Willershäuser, T.; Bolten, A.; Brückner, H.; Daut, G.; Wennrich, V.; Kelletat, D.; Scheffers, A.; Scheffers, S. R.; Schäbitz, F.

    2009-04-01

    The island of Bonaire is part of the Leeward Netherlands Antilles and lies 90 km off the Venezuelan coast. It mainly consists of two upper cretaceous cores of basalt, andesite, and dacite, fringed by a sequence of Quaternary marine limestone terraces. These well-defined platforms formed by in-situ growth of coral reefs and deposition of coral debris during high stands of sea level and subsequent exposure due to slow tectonic uplift. Bonaire has a semi-arid climate with an average annual precipitation of less than 500 mm, though large year-to-year variation occurs. Due to its peripheral position within the Caribbean hurricane belt the island rarely experiences severe storm events. Nevertheless, along the eastern windward coast several high-energy wave impacts of mid- to late Holocene age have created a well-diversified sedimentary record. Broad ramparts of imbricated coral rubble north of Lac Bai are 4 m high, proceed up to 400 m inland, and follow the shore over a distance of 12 km. Reef communities of the island's eastern sublittoral obviously never regenerated after their destruction during extreme wave events. Furthermore, massive boulders of up to 260 tons are distributed over the broad elevated Pleistocene reef platform deriving from the foreshore zone (Scheffers et al., 2008). The windward nearshore morphological depressions provide excellent conditions for preserving sedimentary inputs of exceptionally large wave impacts. We carried out numerous vibracorings and gravity corings inside shallow sinkholes on the Pleistocene terrace north of Lac Bai and the landward floodplain of the Lagun embayment at Washikemba. Several vibracorings of up to 5 m below surface at Lagun show multiple interruptions of continuous sedimentation patterns by poorly-sorted shell hash within a carbonate-rich matrix of marine origin. The lowermost bioclastic unit dates back before 6000 BP. Within a superimposed layer of pure mangrove peat another cluster of shells, partly broken, is

  20. The "dark side" of food banks? Exploring emotional responses of food bank receivers in the Netherlands

    NARCIS (Netherlands)

    Horst, van der H.M.; Pascucci, S.; Bol, W.

    2014-01-01

    Purpose – The purpose of this paper is to address how food, social status as well as the interactions at the food bank induce emotions in receivers, such as shame, gratitude and anger. Since early 2000s a steadily growing number of low-income and/or over-indebted households in the Netherlands allevi

  1. A Brief History of the Institutional Design of Banking Supervision in the Netherlands

    OpenAIRE

    2002-01-01

    This paper describes how banking supervision in the Netherlands has evolved over time. It concentrates on how legal and institutional arrangements and the practice of banking regulation and supervision have responded to developments in the financial environment since the Bank Act of 1948 formally entrusted banking supervision to the Nederlandsche Bank. To put the developments of the last fifty years in a broader perspective, this study also contains a brief history of the Bank and the commerc...

  2. The relevance of cultural factors in predicting condom-use intentions among immigrants from the Netherlands Antilles

    NARCIS (Netherlands)

    Kocken, P.L.; Dorst, A.G. van; Schaalma, H.

    2006-01-01

    A study into the relevance of cultural factors in predicting condom-use intentions among Antillean migrants in the Netherlands is described in this article. The association between the intention to use condoms with a new sexual partner and a perceived taboo on discussing sex, beliefs about sex educa

  3. The Relevance of Cultural Factors in Predicting Condom-Use Intentions among Immigrants from the Netherlands Antilles

    Science.gov (United States)

    Kocken, P. L.; van Dorst, A. G.; Schaalma, H.

    2006-01-01

    A study into the relevance of cultural factors in predicting condom-use intentions among Antillean migrants in the Netherlands is described in this article. The association between the intention to use condoms with a new sexual partner and a perceived taboo on discussing sex, beliefs about sex education and machismo beliefs on gender and power…

  4. Netherlands.

    Science.gov (United States)

    1987-09-01

    Focus in this discussion of the Netherlands is on the following: geography; the people; history; government; political conditions; the economy; foreign relations; defense; and relations between the Netherlands and the US. The Dutch, primarily of Germanic stock with some Gallo-Celtic mixture, have clung to their small homeland against the constant threat of destruction by the North Sea and recurrent invasions by the great European powers. Religion influences Dutch history, society, institutions, and attitudes and is closely related to political life but to a diminishing degree. The present constitution dates from 1848 and has been amended several times. The government, based on the principles of ministerial responsibility and parliamentary government common to most constitutional monarchies in Western Europe, is composed of 3 basic institutions: the crown (monarch, Council of Ministers, and Council of State); the States General (Parliament); and the courts. Catholics, Protestants, Labor, and Liberals are the groups which form the historical basis for the 3 main political parties. The Dutch economy is based on private enterprise. The government has little direct ownership or participation, but it heavily influences the economy. More than 45% of the gross national product is involved in government operations and social programs. Services, which account for half of the national income, are primarily in transport and financial areas, such as banking and insurance. Industrial activity provides about 19% of the national income and is dominated by the metalworking, oil refining, chemical, and food-processing industries. In the last several years Dutch economic growth has been limited by the world's general economic slowdown. After an average 2% growth in 1984-86, real growth in 1987 is estimated at 1.5%. For much of its modern history, the Netherlands pursued a neutralist foreign policy. The good relationship between the US and the Netherlands is based on close historical

  5. Some evidence on the relevance of bank behaviour for the lending channel in the Netherlands

    NARCIS (Netherlands)

    van Ees, H.; Sterken, E.; Garretsen, Harry

    1999-01-01

    This paper studies the behaviour of Dutch banks. We test the adjustment of banks' balance sheets in times of monetary policy changes during the period 1957-1991. As a reaction to a policy change, banks basically have two alternatives to adjust their net money creation: (1) sell securities in public

  6. Rivulid Fishes of the Antilles

    NARCIS (Netherlands)

    Hoedeman, J.J.

    1958-01-01

    The present paper is chiefly based on the Rivulid fishes collected by Dr. P. Wagenaar Hummelinck in the Antilles during the years 1930, 1936, 1937, and 1955, and in addition on some specimens collected by various other investigators at earlier dates. Some of the specimens, in particular those belong

  7. Ophiuroidea of the Lesser Antilles

    NARCIS (Netherlands)

    Parslow, Rosemary E.; Clark, Ailsa M.

    1963-01-01

    This paper deals mainly with a collection of ophiuroids from the Lesser Antilles sent to the British Museum (Natural History) by Dr. P. WAGENAAR HUMMELINCK in 1959. The identifications were made by ROSEMARY PARSLOW, but the discussion and figures of Amphiodia and Ophiocomella are by AILSA CLARK. The

  8. Asteroids from the Netherlands Antilles and other Caribbean localities

    NARCIS (Netherlands)

    Ummels, F.

    1963-01-01

    The material brought back by Dr. P. WAGENAAR HUMMELINCK from his various trips to the West Indies includes a number of starfish, which — with exception of the specimens belonging to Astropectinidae, Echinasteridae and Goniasteridae — were given to the present author as a subject for taxonomic examin

  9. Culicinae from the Netherlands Antilles and some other Caribbean localities

    NARCIS (Netherlands)

    Kuyp, van der Edwin

    1953-01-01

    Dr P. Wagenaar Hummelinck entrusted me with the identification of the mosquitoes he collected during his trips to the West Indies in 1936—1937 and 1948—1949. Although dr Hummelinck told me that it was not his intention to catch representative material, the present collection is of particular hygieni

  10. Competition in three Cyprinodont fish species in the Netherlands Antilles

    NARCIS (Netherlands)

    Kristensen, Ingvar

    1970-01-01

    Cyprinodon dearborni, Poecilia sphenops and Rivulus marmoratus seem to fill almost the same niche. In most of the landlocked bays, lagoons or pools the three species were not found together. In only two landlocked locations two of the species were found together. In the locations with an open connec

  11. Anthicid Beetles from Venezuela, Colombia, Cuba, and the Netherlands Antilles

    NARCIS (Netherlands)

    Buck, F.D.

    1960-01-01

    The material of Anthicidae covered in this paper was taken by Prof. H. J. MAC GILLAVRY in 1930 and 1933, when being a studentmember of two geological excursions under the leadership of the late Prof. L. M. R. RUTTEN. It comprises ten species, three of which are new to science, viz. Formicillia graci

  12. Restoration of the Cirsio dissecti-Molinietum in The Netherlands : Can we rely on soil seed banks?

    NARCIS (Netherlands)

    Matus, G; Verhagen, R; Bekker, RM; Grootjans, AP; Bruelheide, H.

    2003-01-01

    Vegetation and soil seed banks of a threatened Atlantic fen meadow community were studied using recent phytosociological records and seedling emergence from soil samples. Similarly managed but differently degraded stands that suffered different levels of species impoverishment were compared. The act

  13. Is self-rated health lower in refugees in the Netherlands compared to other migrants?

    OpenAIRE

    Devillé, W; Groenewegen, P.

    2004-01-01

    Background: Self-rated health is a good predictor of morbidity, mortality and use of care. It can be measured by one simple question. As such it is included in many surveys in many countries, making general health measurements comparable between countries. Besides the four major migrant populations from Surinam, Netherlands Antilles, Turkey and Morocco, refugees from many countries are looking for a new life in the Netherlands. Differences in self-rated health may be partly due to personal ch...

  14. Population Genetic Structure, Abundance, and Health Status of Two Dominant BenthicSpecies in the Saba Bank National Park, Caribbean Netherlands:

    NARCIS (Netherlands)

    de Bakker, D.M.; Meesters, E.H.W.G.; van Bleijswijk, J.D.L.; Luttikhuizen, P.C.; Breeuwer, H.J.A.J.; Becking, L.E.

    2016-01-01

    Saba Bank, a submerged atoll in the Caribbean Sea with an area of 2,200 km2, has attainedinternational conservation status due to the rich diversity of species that reside on the bank.In order to assess the role of Saba Bank as a potential reservoir of diversity for the surroundingreefs, we examined

  15. Population genetic structure, abundance and health status of two dominant benthic species in the Saba Bank National Park, Caribbean Netherlands: Montastraea cavernosa and Xestospongia muta

    NARCIS (Netherlands)

    Bakker, de D.M.; Meesters, H.W.G.; Bleijswijk, van J.D.L.; Luttikhuizen, P.; Breeuwer, J.A.J.; Becking, L.E.

    2016-01-01

    Saba Bank, a submerged atoll in the Caribbean Sea with an area of 2,200 km2, has attained international conservation status due to the rich diversity of species that reside on the bank. In order to assess the role of Saba Bank as a potential reservoir of diversity for the surrounding reefs, we exami

  16. Earthquake foci in metropolitan France and the lesser Antilles

    Energy Technology Data Exchange (ETDEWEB)

    Dorel, J.; Gagnepain-Beyneix, J. (Institut de Physique du Globe, Univ. Paris-6 (France)); Frechet, J. (Universite Scientifique et Medical de Grenoble, Saint Martin d' Heres (France))

    A selection of local mechanism for metropolitan France and the lesser Antilles is presented. The data has been chosen on the basis of its quality and only mechanisms for which the faults planes would be determined with a precision of less than 20/sup 0/ are presented. The data concerns four principal regions: The Jura-Rhein graben, the Alps, the Pyrenees and the lesser Antilles. Finally a brief review of the neotectonic environment of the earthquakes in metropolitan France is presented.

  17. Population Genetic Structure, Abundance, and Health Status of Two Dominant Benthic Species in the Saba Bank National Park, Caribbean Netherlands: Montastraea cavernosa and Xestospongia muta.

    Directory of Open Access Journals (Sweden)

    Didier M de Bakker

    Full Text Available Saba Bank, a submerged atoll in the Caribbean Sea with an area of 2,200 km2, has attained international conservation status due to the rich diversity of species that reside on the bank. In order to assess the role of Saba Bank as a potential reservoir of diversity for the surrounding reefs, we examined the population genetic structure, abundance and health status of two prominent benthic species, the coral Montastraea cavernosa and the sponge Xestospongia muta. Sequence data were collected from 34 colonies of M. cavernosa (nDNA ITS1-5.8S-ITS2; 892 bp and 68 X. muta sponges (mtDNA I3-M11 partition of COI; 544 bp on Saba Bank and around Saba Island, and compared with published data across the wider Caribbean. Our data indicate that there is genetic connectivity between populations on Saba Bank and the nearby Saba Island as well as multiple locations in the wider Caribbean, ranging in distance from 100s-1000s km. The genetic diversity of Saba Bank populations of M. cavernosa (π = 0.055 and X. muta (π = 0.0010 was comparable to those in other regions in the western Atlantic. Densities and health status were determined along 11 transects of 50 m2 along the south-eastern rim of Saba Bank. The densities of M. cavernosa (0.27 ind. m-2, 95% CI: 0.12-0.52 were average, while the densities of X. muta (0.09 ind. m-2, 95% CI: 0.02-0.32 were generally higher with respect to other Caribbean locations. No disease or bleaching was present in any of the specimens of the coral M. cavernosa, however, we did observe partial tissue loss (77.9% of samples as well as overgrowth (48.1%, predominantly by cyanobacteria. In contrast, the majority of observed X. muta (83.5% showed signs of presumed bleaching. The combined results of apparent gene flow among populations on Saba Bank and surrounding reefs, the high abundance and unique genetic diversity, indicate that Saba Bank could function as an important buffer for the region. Either as a natural source of larvae to

  18. Evaluation of tsunami risk in the Lesser Antilles

    Directory of Open Access Journals (Sweden)

    N. Zahibo

    2001-01-01

    Full Text Available The main goal of this study is to give the preliminary estimates of the tsunami risks for the Lesser Antilles. We investigated the available data of the tsunamis in the French West Indies using the historical data and catalogue of the tsunamis in the Lesser Antilles. In total, twenty-four (24 tsunamis were recorded in this area for last 400 years; sixteen (16 events of the seismic origin, five (5 events of volcanic origin and three (3 events of unknown source. Most of the tsunamigenic earthquakes (13 occurred in the Caribbean, and three tsunamis were generated during far away earthquakes (near the coasts of Portugal and Costa Rica. The estimates of tsunami risk are based on a preliminary analysis of the seismicity of the Caribbean area and the historical data of tsunamis. In particular, we investigate the occurrence of historical extreme runup tsunami data on Guadeloupe, and these data are revised after a survey in Guadeloupe.

  19. Passalidae (Coleoptera: Scarabaeoidea) of the Greater and Lesser Antilles.

    Science.gov (United States)

    Jiménez-Ferbans, Larry; Reyes-Castillo, Pedro; Schuster, Jack C

    2015-05-12

    We present a synthesis of the state of knowledge concerning the species of Passalidae (Coleoptera) of the West Indies and we present a key to the species. The recently described genus Antillanax Boucher renders the subgenus Passalus (Pertinax) Kaup paraphyletic, therefore we place Antillanax in synonymy with Passalus (Pertinax) and we propose a new combination for Passalus (Pertinax) doesburgi (Boucher). The island richest in species is Hispaniola, with five species, three of them endemic. Excluding Trinidad and Tobago, the passalid fauna of the West Indies comprises 13 species; this is low richness, but with high endemism (50%), especially for the Greater Antilles.

  20. Calcium carbonate precipitation in the Cueva di Watapana on Bonaire, Netherlands Antilles

    NARCIS (Netherlands)

    Meer Mohr, van der C.G.

    1978-01-01

    Calcium carbonate precipitates as low Mg-calcite and aragonite in slightly brackish water in a cave in the Pleistocene Middle Terrace of southern Bonaire. The calcium carbonate precipitates at the atmosphere-water interface forming floating calcite scales (calcite ice). Aragonite crystals frequently

  1. Additions to the marine algal flora of Curaçao, Netherlands Antilles

    NARCIS (Netherlands)

    Stegenga, H.; Vroman, M.

    1988-01-01

    Nine species of benthic marine algae are reported from the Caribbean island of Curaçao for the first time: Chlorophyta: Derbesia marina and Trichosolen longipedicellata; Phaeophyta: Ectocarpus rhodochortonoides, Feldmannia elachistaeformis, Hecatonema floridanum, Herponema tortugense and Sphacelaria

  2. Theory and relevance of currency substitution with case studies for Canada and the Netherlands Antilles

    NARCIS (Netherlands)

    C.G. de Vries (Casper)

    1988-01-01

    textabstractAbstract--This paper develops the theory of currency substitution from a choice theoretic point of view. The main result offers a simple relationship between the relative amount of currencies held and their opportunity costs, i.e., interest and capital gains. Our hypothesis is tested by

  3. Netherlands Antilles and French West Indies. Section 23. Weather and Climate

    Science.gov (United States)

    1965-05-01

    Le Lamontin ....... 0800 18 11 11 B 8 6 6 it 15 14 16 18 136 8-10 Southiwest Group: Aruba: Princesa Boatrix Airport ......... 0700 17 1. 16 12 13 13...24 21 24 264 10-12 Lo Mai-n..... Z.004 12 9 8 8 10 12 18 13 14 16 15 12 144 23 Lea Anaes d’Arlet. M0,004 9 8 6 9 8 12 16 13 15 12 10 9 126 a Lo

  4. The marine Algal Vegetation of St. Martin, St. Eustatius and Saba (Netherlands Antilles)

    NARCIS (Netherlands)

    Vroman, M.

    1968-01-01

    Along the coast of St. Martin, St. Eustatius and Saba the rocks above sea-level often show a number of differently coloured zones. This is clearly visible when the coast over a larger distance is formed by one type of rock, as for instance on Saba. In many places a light-coloured belt is seen above

  5. Ecological aspects of the distribution of reef corals in the Netherlands Antilles

    NARCIS (Netherlands)

    Bak, Rolf P.M.

    1975-01-01

    The vertical and horizontal patterns of the distribution of corals and coral reefs (to a depth of 90 m) are discussed in relation to the environmental factors: geomorphology of the bottom, available substrate, light, turbidity, sedimentation, water movement and temperature. There is a general patter

  6. Saba Bank research expedition 2013 - Progress Report

    NARCIS (Netherlands)

    Beek, van I.J.M.; Meesters, H.W.G.

    2014-01-01

    The Saba Bank is the largest submerged carbonate platform of 2,200 km2 in the Caribbean Sea, which lies partially within the Exclusive Economic Zone of the Netherlands and partially within the territorial waters of Saba and St. Eustatius. The Saba Bank houses an expansive coral reef ecosystem with a

  7. Saba Bank research expedition 2011 - Progress Report

    NARCIS (Netherlands)

    Beek, van I.J.M.; Meesters, H.W.G.

    2013-01-01

    The Saba Bank is a large submerged carbonate platform of approximately 2,200 km2 in the Caribbean Sea which lies partially within the Exclusive Economic Zone of the Netherlands and partially within the territorial waters of Saba and St. Eustatius. The Saba Bank research program aims to obtain inform

  8. Muon tomography: Plans for observations in the Lesser Antilles

    Science.gov (United States)

    Gibert, D.; Beauducel, F.; Déclais, Y.; Lesparre, N.; Marteau, J.; Nicollin, F.; Tarantola, A.

    2010-02-01

    The application of muon tomography to monitor and image the internal structure of volcanoes in the Lesser Antilles is discussed. Particular focus is directed towards the three volcanoes that fall under the responsibility of the Institut de Physique du Globe of Paris, namely La Montagne Pelée in Martinique, La Soufriére in Guadeloupe, and the Soufriére Hills in Montserrat. The technological criteria for the design of portable muon telescopes are presented in detail for both their mechanical and electronic aspects. The detector matrices are constructed with scintillator strips, and their detection characteristics are discussed. The tomography inversion is presented, and its distinctive characteristics are briefly discussed. Details are given on the implementation of muon tomography experiments on La Soufriére in Guadeloupe.

  9. 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.

  10. Incorporation of crust at the Lesser Antilles arc

    Science.gov (United States)

    Davidson, J. P.; Bezard, R. C.

    2012-12-01

    Most convergent margin magmas exhibit geochemical characteristics of continental crust, incorporated via subduction of continental sediment into the arc source (mantle wedge) or via assimilation of continental crust by arc magmas en route to surface. Resolving which of these processes dominate at a given arc is important in avoiding the circularity of the question of the origin of the continental crust. The Lesser Antilles is built on oceanic lithosphere so in principle any crustal signature has been introduced via sediment subduction. Geochemical variations in magmas along the arc have been matched with the variations displayed in sediments outboard of the trench 1 . At about the same time, similarly comprehensive data sets were produced from along the Lesser Antilles, arguing that much of the geochemical diversity reflected crustal contamination rather than source contamination 2. These claims were based on; 1) correlations between isotopic ratios and indices of differentiation, 2) high delta18O, which argues for extensive interaction with material that has interacted with water at low T and finally the observation that the highest Pb isotope ratios in the lavas actually exceed the highest seen in the sediments. The latter problem has now been solved since a wider range of sediments have now been examined, with a section of black shales exhibiting remarkably radiogenic Pb isotopes 3 . We have re-examined the origin of geochemical variations by comparing two specific volcanoes, Mt Pelee in the centre of the arc and The Quill in the north 4. The idea is to explore differentiation trends at a given volcano, and back project them to reasonable primitive magma compositions. In that way we can account for geochemical effects resulting from differentiation, and focus on source variations (contributions from slab to wedge along the Antilles). From this we conclude that 1) both suites differentiate largely by amphibole-plag fractionation, along with contamination by the

  11. La crise sociale aux Antilles françaises

    Directory of Open Access Journals (Sweden)

    Justin Daniel

    2009-03-01

    Full Text Available La crise sociale qui a récemment secoué les Antilles françaises consacre le retour de la « question sociale » sur les scènes politiques insulaires. Elle s’est également traduite par un dessaisissement du personnel politique dont la parole est devenue inaudible, et une montée en puissance de la société civile. Loin d’avoir réglé les problèmes structurels, elle témoigne cependant d’une évolution significative des rapports entre l’outre-mer et l’Hexagone.The social crisis which recently shook the French West Indies legitimises the return of the “social question” on the insular political scenes. It also resulted in a withdrawal of the political personnel whose discourse became inaudible and in the emergence of civil society. Far from having resolved the structural problems, it reveals a significant change of the relationship between the overseas territories  and the Hexagon.

  12. The beetles of the Lesser Antilles (Insecta, Coleoptera) : diversity and distributions

    OpenAIRE

    Peck, Stewart B.

    2016-01-01

    The island arc of the Lesser Antilles lies at the eastern margin of the Caribbean Sea in the Western Hemisphere, and stretches from the eastern end of the islands of the Greater Antilles (at the Virgin Islands), south to a position near the continental islands of Trinidad and Tobago at the north eastern corner of South America. The islands are a part of the West Indian Islands biodiversity “hotspot” and have been available for terrestrial colonization for about the past 15 million years. This...

  13. Shareholders’ Voting at General Meetings: Evidence from the Netherlands

    NARCIS (Netherlands)

    A. de Jong (Abe); G.M.H. Mertens (Gerard); P.G.J. Roosenboom (Peter)

    2004-01-01

    textabstractWe study annual general meetings of shareholders in the Netherlands. The Dutch corporate governance system is characterized by relatively concentrated shareholdings and large stakes owned by pension funds, banks and insurance companies. The legal protection of shareholders is poor due to

  14. National report: Netherlands

    NARCIS (Netherlands)

    van den Heuvel, S.; de Wind, A.; Beudeker, E.; Oude Mulders, J.; Hasselhorn, H.M.; Apt, W.

    2015-01-01

    As in many other European countries, the population in the Netherlands is ageing rapidly. It used to be common practice in the Netherlands to leave the labour market through early retirement and disability schemes. To tackle the rising economic burden that an older society may place on the working-a

  15. Eclampsia in the Netherlands

    NARCIS (Netherlands)

    Zwart, J.J.; Richters, A.; Ory, F.; Vries, J.I. de; Bloemenkamp, K.W.; Roosmalen, J.

    2008-01-01

    Objective: The incidence of maternal mortality due to hypertensive disorders of pregnancy in the Netherlands is greater than in other Western countries. We aimed to confirm and explain this difference by assessing incidence, risk factors, and substandard care of eclampsia in the Netherlands. Methods

  16. Seismic ambient noise study at Bouillante geothermal system, French Antilles

    Science.gov (United States)

    Jousset, Philippe; Bitri, Adnan; Loiseau, Justine; Bouchot, Vincent

    2010-05-01

    Seismic ambient noise analyses have been shown to be able to image structural features of the crust and to monitor underground changes of seismic wave ground velocity. We present results of cross-correlation techniques at Bouillante geothermal field, French Antilles, the largest French high-enthalpy geothermal system exploited for electrical power from 3 collocated productive wells. Two power plants generate electricity and fluid extraction rate varies with time and wells are sometimes closed for equipment maintenance. Under the support of the French Environment and Energy Management Agency (ADEME) and the French Research Agency (ANR), BRGM has been analyzing seismic data from a network comprising 5 broadband seismological stations set-up at Bouillante area since 2004. Amongst the large number of earthquakes recorded, we show that no single earthquake could be related to the fluid exploitation. Instead, they are due to the intense regional seismicity. Despite the small number of stations, surface wave travel times computed from ambient noise cross-correlation for about a year suggest that the velocity structure is consistent with the conceptual model of hot (250°C) and permeable (fractured) geothermal reservoir of Bouillante. We show at several instances that changes of the fluid extraction rate have spatial and temporal slight perturbations on medium wave velocity. For example, when the production stops for maintenance, velocity increases by several percent and with larger amplitude at stations within 1 km distance from the production wells and lower amplitudes (by more than 50 %) at stations further than 2 km from the production wells. In addition, we note that velocity perturbations have a delay of at most 1 day at further stations. We discuss several mechanisms to explain those observations like pressure and stress variations in the geothermal system. The results suggest that the inferred velocity changes, owing the fine sensibility of the inter

  17. Bankers Focus on Clients – But What Do Banks Do? : Report of the Dutch banking culture survey 2014

    NARCIS (Netherlands)

    I.P. van Staveren (Irene); R. van Tilburg (Rens)

    2015-01-01

    markdownabstractBank employees in the Netherlands want to focus on clients and the interests of their clients. But they feel constrained to do so by the dominant banking culture. They have low trust in their employers, they feel not motivated by the targets they are required to meet, and they experi

  18. 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.

  19. Deep structure of the central Lesser Antilles Island Arc : relevance for the formation of continental crust

    OpenAIRE

    H. Kopp; Weinzierl, W.; Becel, A.; Charvis, Philippe; Evain, M.; Flueh, E. R.; Gailler, A.; Galve, A.; Hirn, A.; Kandilarov, A.; D. Klaeschen; M. Laigle; Papenberg, C.; L. Planert; Roux, E.

    2011-01-01

    Oceanic island arcs are sites of high magma production and contribute to the formation of continental crust. Geophysical studies may provide information on the configuration and composition of island arc crust, however, to date only few seismic profiles exist across active island arcs, limiting our knowledge on the deep structure and processes related to the production of arc crust. We acquired active-source wide-angle seismic data crossing the central Lesser Antilles island arc north of Domi...

  20. Waist circumference as a measurement of obesity in the Netherlands Antilles; associations with hypertension and diabetes mellitus

    NARCIS (Netherlands)

    Grievink, L.; Alberts, J.F.; O'Neil, J.; Gerstenbluth, I.

    2004-01-01

    Objectives: To evaluate waist circumference ( WC) as a screening tool for obesity in a Caribbean population. To identify risk groups with a high prevalence of ( central) obesity in a Caribbean population, and to evaluate associations between ( central) obesity and self-reported hypertension and diab

  1. Relationship between anthropogenic impacts and bleaching-associated tissue mortality of corals in Curaçao (Netherlands Antilles)

    NARCIS (Netherlands)

    Nagelkerken, I.

    2007-01-01

    Chronic anthropogenic impacts can have a negative effect on coral health and on coral energy budgets needed for regeneration of lesions. I therefore hypothesise that during massive bleaching events, the degree of corals showing bleaching-related tissue mortality is higher in areas subject to chronic

  2. A Caribbean evaluation of public versus private drinking water provision: the case of St. Maarten, Netherlands Antilles

    NARCIS (Netherlands)

    M.A.C. Schouten (Marco); D. Brdjanovic (Damir); M.P. van Dijk (Meine Pieter)

    2008-01-01

    textabstractThis article assesses how a small island state can choose the best option in the process of private sector involvement. It reviews the decision process to involve or not the private sector in water and sanitation supply and in which way. Nine criteria are used to make the choice. A caref

  3. Contrasted patterns of genetic differentiation across eight bird species in the Lesser Antilles.

    Science.gov (United States)

    Khimoun, Aurélie; Arnoux, Emilie; Martel, Guillaume; Pot, Alexandre; Eraud, Cyril; Condé, Béatriz; Loubon, Maxime; Théron, Franck; Covas, Rita; Faivre, Bruno; Garnier, Stéphane

    2016-02-01

    Archipelagoes are considered as "natural laboratories" for studying processes that shape the distribution of diversity. The Lesser Antilles provide a favorable geographical context for divergence to occur. However, although morphological subspecies have been described across this archipelago in numerous avian species, the potential for the Lesser Antilles in driving intra-specific genetic divergence in highly mobile organisms such as birds remains understudied. Here, we assessed level of intra-specific genetic diversity and differentiation between three islands of the Lesser Antilles (Guadeloupe, Dominica and Martinique) using a multi-species approach on eight bird species. For each species, we built a set of microsatellite markers from cross-species amplifications. Significant patterns of inter-island and/or within-island genetic differentiation were detected in all species. However, levels of intra-specific genetic differentiation among the eight bird species were not always consistent with the boundaries of subspecies previously described in the sampled islands. These results suggest different histories of colonization/expansion and/or different species-specific ecological traits affecting gene flow, advocating for multi-species studies of historical and contemporary factors shaping the distribution of diversity on islands.

  4. 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:

  5. Psychotraumatology in the Netherlands

    Directory of Open Access Journals (Sweden)

    Miranda Olff

    2013-05-01

    Full Text Available The contribution to psychotrauma literature from Dutch authors has a long tradition. The relatively high lifetime prevalence of trauma and posttraumatic stress disorder (PTSD is not unique for the Netherlands and does not fully explain the interest in trauma and its consequences. In this overview of psychotraumatology in the Netherlands, we will discuss some of the key events and processes that contribute to the current interest. We outlined the historical basis and development of the field in the Netherlands, including the impact of World War II, the effects of major man-made or natural disasters, engagement in military conflicts, as well as smaller scale traumatic events like sexual abuse and traffic accidents. The liberal and open culture may have reduced stigma to trauma, while other sociocultural aspects may have contributed to increased prevalence. Finally, we describe Dutch psychotraumatology today and how history and culture have shaped the current scientific basis.

  6. AGE-DEPENDENT VITAMIN-D STATUS AND VERTEBRAL CONDITION OF WHITE WOMEN LIVING IN CURACAO (THE NETHERLANDS-ANTILLES) AS COMPARED WITH THEIR COUNTERPARTS IN THE NETHERLANDS

    NARCIS (Netherlands)

    DUBBELMAN, R; JONXIS, JHP; MUSKIET, FAJ; SALEH, AEC

    1993-01-01

    Plasma vitamin D metabolites and parathyroid hormone concentrations of two groups of white women, aged 26-46 and 63-83 y, in Curacao were studied to evaluate the effect of yearlong abundant sunlight on frequency of vertebral compression fractures in elderly women. 25-Hydroxyvitamin D of the younger

  7. Sport in the Netherlands

    NARCIS (Netherlands)

    Annet Tiessen-Raaphorst; Koen Breedveld

    2007-01-01

    Sport is a popular pastime in the Netherlands; 10 million people take part in at least one sport. To do this, they can choose from more than 27,000 non-profit sports clubs, or more than 5,000 commercial providers such as fitness centres or riding stables. These clubs and commercial providers make us

  8. Worker participation - the Netherlands

    NARCIS (Netherlands)

    Kwantes, J.H.

    2014-01-01

    Worker participation relates to the involvement of workers in the management decision-making processes. In this article attention is focused on worker participation related to occupational safety and health in the Netherlands. Worker participation can refer either to direct or indirect participation

  9. Telework in the Netherlands

    NARCIS (Netherlands)

    van het Kaar, R.

    2008-01-01

    Statistics show that the incidence of telework in the Netherlands has been rising since 2000, regardless of the precise definition used. The government has encouraged the use of telework by introducing tax benefits for employers who facilitate such work. This article looks at the extent of telework

  10. Country Report - The Netherlands

    NARCIS (Netherlands)

    Schermers, G.; Wegman, F.; Vliet, P. van; Horst, A.R.A. van der; Boender, J.

    2010-01-01

    This paper provides an overview of the most significant developments in the area of road (geometric) design practices and standards and related research in the Netherlands in recent years. The paper describes the importance of the Sustainable Road Safety policy in this context. Furthermore, it provi

  11. Country report: The Netherlands

    NARCIS (Netherlands)

    Keune, M.; Tros, F.

    2014-01-01

    Young workers have a relatively weak labour market position in the Netherlands, both in terms of high youth unemployment and low quality of employment. For this reason, they could potentially benefit from union representation to improve their wages and working conditions. For the trade unions, young

  12. Deinstitutionalisation in the Netherlands

    NARCIS (Netherlands)

    Pijl, YJ; Kluiter, H; Wiersma, D

    2001-01-01

    In the Netherlands mental hospitals and psychiatric departments in general hospitals kept the initiative in implementing community-based replacements for inpatient care. The goal of this study is to determine to what extent day treatment, sheltered residences and assertive home treatment were effect

  13. Mousepox in The Netherlands.

    NARCIS (Netherlands)

    A.D.M.E. Osterhaus (Albert); J.S. Teppema; R.M.S. Wirahadiredja; G. van Steenis (Bert)

    1981-01-01

    textabstractTwo independent outbreaks of ectromelia in mice occurred in The Netherlands. In both cases, the causative virus was isolated and identified as ectromelia virus on the basis of serology, demonstration of antigen by indirect immunofluorescence, negative contrast electron microscopy, morpho

  14. Mechatronics in the Netherlands

    NARCIS (Netherlands)

    Amerongen, van Job; Jongkind, Wim

    1996-01-01

    This article assesses the present situation of mechatronics in the Netherlands. After a short historical survey, it describes the postgraduate ¿mechatronic designer course¿, introduced in 1991. It deals with the principles of this course and how these principles have been implemented. Also, the acti

  15. Morocco and the Netherlands

    NARCIS (Netherlands)

    Fritschy, W.; Bos, P. (eds.)

    2006-01-01

    This book on aspects of society, economy and culture in Morocco and the Netherlands contains contributions of 28 Moroccan and Dutch authors on religion, family and marriage law, local government and PJD, Abdelkrim, Morocco and the EU, drug trafficking, migration, youth, Dutch-Moroccan writers, and a

  16. The Impact of Mergers Inefficiency: A Case Study of Banking Status

    Science.gov (United States)

    2007-12-01

    credit institutes of public law (istituti di credito di diritto publico), and savings banks (casse di risparmio). The number of banks decreased in the...capital. The second bank is ING Groep N.V.; it is the world’s largest insurer. In fiscal 2002, revenues generated rose 3% to $81.9 billion (€76.8 billion...largest banking operation in the Netherlands. For the fiscal year 2002, it reported revenues of E8.6 billion. The last bank is KAS Bank NV, which

  17. Mechatronics in the Netherlands

    OpenAIRE

    Amerongen, van, H.; Jongkind, Wim

    1996-01-01

    This article assesses the present situation of mechatronics in the Netherlands. After a short historical survey, it describes the postgraduate ¿mechatronic designer course¿, introduced in 1991. It deals with the principles of this course and how these principles have been implemented. Also, the activities of the Dutch government in cooperation with the industrial mechatronics community to enhance the awareness of mechatronics, especially directed toward small and medium-sized enterprises (SME...

  18. The distribution of seagrasses in Dominica, Lesser Antilles.

    Science.gov (United States)

    Steiner, S C C; Macfarlane, K J; Price, L M; Willette, D A

    2010-10-01

    Seagrass beds are the largest organism-built marine habitat in Dominica, yet have only been surveyed since 2007. Standardized examinations along a depth gradient between 0 and 24 m, focusing on magnoliophyte species composition and benthic cover of shoots at 17 seagrass bed sites, were carried out between September 10 and December 7, 2008. The Cymodoceaceae Syringodium filiforme (Kuetzing 1860) and Halodule wrightii (Ascherson 1868), as well as the Hydrocharitaceae Halophila decipiens (Ostenfeld 1902), H. stipulacea (Fosskal & Ascherson 1867) and Thalassia testudinum (Banks ex König 1805) displayed distinct regional and horizontal distribution patterns. Syringodium filiforme is the island's dominant seagrass along the western and northern coasts, occurring at depths between 2 and 18 m and with a mean benthic cover ranging from 0.9-10% along the West coast. Along the North coast it grew between 0.2 and 1 m depth with a mean maximum benthic cover of 48.9%. Halodule wrightii grew along the North and West coasts, in depths between 1 and 14m in areas of recent and chronic disturbances. Its delicate morphology and sparse benthic cover (< 0.1%) did not constitute seagrass beds. Halophila decipiens grew along the deep, shallow and lateral margins of west coast S. filiforme beds and monospecifically in depths between 3 and 24m. Halophila stipulacea, an invasive species, was widespread along 45km of the West coast and was found in depths between 5 and 24m. Both Halophila species formed extensive beds at depths beyond the survey limit of 24m thus playing a potentially important role in the resettlement of shallow areas after storms. H. decipiens and H. stipulacea are currently the second and third most common seagrasses on the island respectively, despite their absence along the North coast. T. testudinum was confined to North coast's sheltered reef flats at depths Im or less with mean a benthic cover ranging from 2 to 76%. It grew monospecifically in the most turbulent and

  19. Marriage migration in the Netherlands

    OpenAIRE

    Leen Sterckx; Jaco Dagevos; Willem Huijnk; Jantine van Lisdonk

    2014-01-01

    Original title: Huwelijksmigratie in Nederland When a man or woman living in the Netherlands embarks on a relationship with a partner from another country and the couple decide to build a married life together in the Netherlands, we call this marriage migration. The foreign partner who moves to the Netherlands for a lasting relationship is then known as marriage migrant. In this publication we present a statistical picture of marriage migrants, but above all we allow them and their partners t...

  20. Significant technical advances in broadband seismic stations in the Lesser Antilles

    Science.gov (United States)

    Anglade, A.; Lemarchand, A.; Saurel, J.-M.; Clouard, V.; Bouin, M.-P.; De Chabalier, J.-B.; Tait, S.; Brunet, C.; Nercessian, A.; Beauducel, F.; Robertson, R.; Lynch, L.; Higgins, M.; Latchman, J.

    2015-04-01

    In the last few years, French West Indies observatories from the Institut de Physique du Globe de Paris (IPGP), in collaboration with The UWI Seismic Research Centre (SRC, University of West Indies), have modernized the Lesser Antilles Arc seismic and deformation monitoring network. 15 new, permanent stations have been installed that strengthen and expand its detection capabilities. The global network of the IPGP-SRC consortium is now composed of 20 modernized stations, all equipped with broadband seismometers, strong motion sensors, Global Positioning System (GPS) sensors and satellite communication for real-time data transfer. To enhance the sensitivity and reduce ambient noise, special efforts were made to improve the design of the seismic vault and the original Stuttgart shielding of the broadband seismometers (240 and 120s corner period). Tests were conducted for several months, involving different types of countermeasures, to achieve the highest performance level of the seismometers. GPS data, realtime and validated seismic data (only broadband) are now available from the IPGP data centre (http://centrededonnees.ipgp.fr/index.php?&lang=EN). This upgraded network feeds the Caribbean Tsunami Warning System supported by UNESCO and establishes a monitoring tool that produces high quality data for studying subduction and volcanic processes in the Lesser Antilles arc.

  1. Forearc kinematics in obliquely convergent margins: Examples from Nicaragua and the northern Lesser Antilles

    Science.gov (United States)

    Turner, Henry L., III

    In this study, I use surface velocities derived from GPS geodesy, elastic half-space dislocation models, and modeled Coulomb stress changes to investigate deformation in the over-riding plate at obliquely convergent margins at the leading and trailing edges of the Caribbean plate. The two principal study areas are western Nicaragua, where the Cocos plate subducts beneath the Caribbean plate, and the northern Lesser Antilles, where the North American plate subducts beneath the Caribbean plate. In Nicaragua, plate convergence is rapid at 84 mm yr1 with a small angle of obliquity of 10° along a slightly concave portion of the Middle America Trench. GPS velocities for the period from 2000 to 2004 from sites located in the Nicaraguan forearc confirmed forearc sliver motion on the order of ˜14 mm yr1 in close agreement with the value predicted by DeMets (2001). These results are presented here in Chapter 3 and were reported in Geophysical Research Letters (Turner et al., 2007). GPS observations made on sites located in the interior and on the eastern coast of Nicaragua during the same time period were combined with new data from eastern Honduras to help better constrain estimates of rigid Caribbean plate motion (DeMets et al., 2007). Slip approaching the plate convergence rate along the Nicaraguan and El Salvadoran sections of the Middle America Trench was quantitatively demonstrated by finite element modeling of this section of the plate interface using GPS velocities from our Nicaraguan network together with velocities from El Salvador and Honduras as model constraints (Correa-Mora, 2009). The MW 6.9 earthquake that ruptured the seismogenic zone offshore Nicaragua on October 9, 2004 resulted in coseismic displacements and post-seismic motion at GPS sites in the central part of the Nicaraguan forearc that currently prevent extension of interseismic time-series in this region. An elastic half-space dislocation model was used to estimate coseismic displacements at these

  2. Potato breeding in the Netherlands

    NARCIS (Netherlands)

    Haan, de H.

    1953-01-01

    A remarkable feature of potato breeding in the Netherlands is the great number of private breeders who have concentrated their efforts on the improvement of the potato. The author calls attention to some circumstances and measures that have made potato breeding attractive in the Netherlands

  3. Curriculum Research in the Netherlands

    NARCIS (Netherlands)

    Wardekker, W.L.; Volman, M.L.L.; Terwel, J.

    2014-01-01

    This chapter examines the curriculum research in the Netherlands. The conditions influencing the curriculum field are described, along with the struggle for a common curriculum in the Netherlands. The waves of curriculum theory are presented and illustrated by the case of mathematics. Finally, the r

  4. Gall's visit to The Netherlands

    NARCIS (Netherlands)

    Eling, Paul; Draaisma, Douwe; Conradi, Matthijs

    2011-01-01

    In March 1805, Franz Joseph Gall left Vienna to start what has become known as his cranioscopic tour. He traveled through Germany, Denmark, and The Netherlands. In this article, we will describe his visit to The Netherlands in greater detail, as it has not yet received due attention. Gall was eager

  5. Gall's Visit to The Netherlands

    NARCIS (Netherlands)

    Eling, P.A.T.M.; Draaisma, D.; Conradi, M.

    2011-01-01

    In March 1805, Franz Joseph Gall left Vienna to start what has become known as his cranioscopic tour. He traveled through Germany, Denmark, and The Netherlands. In this article, we will describe his visit to The Netherlands in greater detail, as it has not yet received due attention. Gall was eager

  6. Muslims in the Netherlands 2012

    NARCIS (Netherlands)

    Mieke Maliepaard; Merove Gijsberts

    2012-01-01

    Original title: Moslim in Nederland 2012. This report looks at the way in which Muslim groups in the Netherlands experience and practise their religion. An important characteristic of Muslims in the Netherlands is that, almost without exception, they have a migration ground. What does becoming part

  7. Biomass gasification in the Netherlands

    Energy Technology Data Exchange (ETDEWEB)

    Van der Drift, A. [ECN Biomass and Energy Efficiency, Petten (Netherlands)

    2013-07-15

    This reports summarizes the activities, industries, and plants on biomass gasification in the Netherlands. Most of the initiatives somehow relate to waste streams, rather than clean biomass, which may seem logic for a densely populated country as the Netherlands. Furthermore, there is an increasing interest for the production of SNG (Substitute Natural Gas) from biomass, both from governments and industry.

  8. Marriage migration in the Netherlands

    NARCIS (Netherlands)

    Leen Sterckx; Jaco Dagevos; Willem Huijnk; Jantine van Lisdonk

    2014-01-01

    Original title: Huwelijksmigratie in Nederland When a man or woman living in the Netherlands embarks on a relationship with a partner from another country and the couple decide to build a married life together in the Netherlands, we call this marriage migration. The foreign partner who moves to the

  9. 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.

  10. Imaging the structure of the Northern Lesser Antilles (Guadeloupe - Virgin Island) to assess the tectonic and thermo-mechanical behavior of an arcuate subduction zone that undergoes increasing convergence obliquity

    Science.gov (United States)

    Laurencin, M.; Marcaillou, B.; Klingelhoefer, F.; Jean-Frederic, L.; Graindorge, D.; Bouquerel, H.; Conin, M.; Crozon, J.; De Min, L.; De Voogd, B.; Evain, M.; Heuret, A.; Laigle, M.; Lallemand, S.; Lucazeau, F.; Pichot, T.; Prunier, C.; Rolandone, F.; Rousset, D.; Vitard, C.

    2015-12-01

    Paradoxically, the Northern Lesser Antilles is the less-investigated and the most tectonically and seismically complex segment of the Lesser Antilles subduction zone: - The convergence obliquity between the North American and Caribbean plates increases northward from Guadeloupe to Virgin Islands raising questions about the fore-arc tectonic partitioning. - The margin has undergone the subduction of the rough sediment-starved Atlantic Ocean floor spiked with ridges as well as banks docking, but the resulting tectonic deformation remains hypothetical in the absence of a complete bathymetry and of any seismic line. - Recent geodetic data and low historical seismic activity suggest a low interplate coupling between Saint-Martin and Anegada, but the sparse onshore seismometers located far from source zone cast doubt on this seismic gap. To shed new light on these questions, the ANTITHESIS project, 5 Marine Geophysical legs totaling 72 days, aims at recording a complete bathymetric map, deep and shallow seismic reflexion lines, wide-angle seismic data, heat-flow measurements and the seismic activity with a web of sea-bottom seismometers. Our preliminary results suggest that: - A frontal sliver of accretionary prism is stretched and expulsed northward by 50km along the left-lateral Bunce fault that limits the prism from the margin basement as far southward as 18.5°N. So far, this structure is the only interpreted sign of tectonic partitioning in the fore-arc. - The Anegada Passage extends eastward to the accretionary prism through strike-slip faults and pull-apart basins that possibly form a lef-lateral poorly-active system inherited from a past tectonic phase, consistently with geodetic and seismologic data. - The anomalously cold interplate contact, consistent with a low interseismic coupling, is possibly due to fluid circulation within the shallow crustal aquifer or a depressed thermal structure of the oceanic crust related to the slow-spreading at the medio

  11. 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...

  12. A Proposed Community Network For Monitoring Volcanic Emissions In Saint Lucia, Lesser Antilles

    Science.gov (United States)

    Joseph, E. P.; Beckles, D. M.; Robertson, R. E.; Latchman, J. L.; Edwards, S.

    2013-12-01

    Systematic geochemical monitoring of volcanic systems in the English-speaking islands of the Lesser Antilles was initiated by the UWI Seismic Research Centre (SRC) in 2000, as part of its volcanic surveillance programme for the English-speaking islands of the Lesser Antilles. This programme provided the first time-series observations used for the purpose of volcano monitoring in Dominica and Saint Lucia, permitted the characterization of the geothermal fluids associated with them, and established baseline studies for understanding of the hydrothermal systems during periods of quiescence (Joseph et al., 2011; Joseph et al., 2013). As part of efforts to improve and expand the capacity of SRC to provide volcanic surveillance through its geothermal monitoring programme, it is necessary to develop economically sustainable options for the monitoring of volcanic emissions/pollutants. Towards this effort we intend to work in collaboration with local authorities in Saint Lucia, to develop a monitoring network for quantifying the background exposure levels of ambient concentrations of volcanic pollutants, SO2 in air and As in waters (as health significant marker elements in the geothermal emissions) that would serve as a model for the emissions monitoring network for other volcanic islands. This programme would facilitate the building of local capacity and training to monitor the hazardous exposure, through the application and transfer of a regionally available low-cost and low-technology SO2 measurement/detection system in Saint Lucia. Existing monitoring technologies to inform evidence based health practices are too costly for small island Caribbean states, and no government policies or health services measures currently exist to address/mitigate these influences. Gases, aerosols and toxic elements from eruptive and non-eruptive volcanic activity are known to adversely affect human health and the environment (Baxter, 2000; Zhang et al., 2008). Investigations into the

  13. 19 CFR 4.93 - Coastwise transportation by certain vessels of empty vans, tanks, and barges, equipment for use...

    Science.gov (United States)

    2010-04-01

    ... of the Mexico Netherlands Netherlands Antilles Norway Pakistan Philippines Polish People's Republic... Grenadines Saudi Arabia South Africa Spain Sweden Taiwan Union of Soviet Socialist Republics United Arab... Kuwait Liberia Luxembourg Malta Mexico Netherlands Netherlands Antilles Norway Polish People's...

  14. netherland hydrological modeling instrument

    Science.gov (United States)

    Hoogewoud, J. C.; de Lange, W. J.; Veldhuizen, A.; Prinsen, G.

    2012-04-01

    Netherlands Hydrological Modeling Instrument A decision support system for water basin management. J.C. Hoogewoud , W.J. de Lange ,A. Veldhuizen , G. Prinsen , The Netherlands Hydrological modeling Instrument (NHI) is the center point of a framework of models, to coherently model the hydrological system and the multitude of functions it supports. Dutch hydrological institutes Deltares, Alterra, Netherlands Environmental Assessment Agency, RWS Waterdienst, STOWA and Vewin are cooperating in enhancing the NHI for adequate decision support. The instrument is used by three different ministries involved in national water policy matters, for instance the WFD, drought management, manure policy and climate change issues. The basis of the modeling instrument is a state-of-the-art on-line coupling of the groundwater system (MODFLOW), the unsaturated zone (metaSWAP) and the surface water system (MOZART-DM). It brings together hydro(geo)logical processes from the column to the basin scale, ranging from 250x250m plots to the river Rhine and includes salt water flow. The NHI is validated with an eight year run (1998-2006) with dry and wet periods. For this run different parts of the hydrology have been compared with measurements. For instance, water demands in dry periods (e.g. for irrigation), discharges at outlets, groundwater levels and evaporation. A validation alone is not enough to get support from stakeholders. Involvement from stakeholders in the modeling process is needed. There fore to gain sufficient support and trust in the instrument on different (policy) levels a couple of actions have been taken: 1. a transparent evaluation of modeling-results has been set up 2. an extensive program is running to cooperate with regional waterboards and suppliers of drinking water in improving the NHI 3. sharing (hydrological) data via newly setup Modeling Database for local and national models 4. Enhancing the NHI with "local" information. The NHI is and has been used for many

  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. Status and conservation of parrots and parakeets in the Greater Antilles, Bahama Islands, and Cayman Islands

    Science.gov (United States)

    Wiley, J.W.

    1991-01-01

    In the 1490s a minimum of 28 species of psittacines occurred in the West Indies. Today, only 43% (12) of the species survive. All macaws and most parakeet species have been lost. Although the surviving parrot fauna of the Greater Antilles, Cayman Islands, and Bahama Islands has fared somewhat better than that of the Lesser Antilles, every species has undergone extensive reductions of populations and all but two have undergone extensive reductions in range, mostly as a result of habitat loss, but also from persecution as agricultural pests, conflicts with exotic species, harvesting for pets, and natural disasters. The Cayman Brac Parrot Amazona leucocephala hesterna with its tiny population (less than 150 individuals in the wild) and range, and the Puerto Rican Parrot A. vittata, with about 22-23 birds in the wild and 56 individuals in captivity, must be considered on the verge of extinction and in need of (in the latter's case, continuing) aggressive programmes of research and management. Other populations declining in numbers and range include the Yellow-billed Amazona collaria, and Black-billed A. agilis Parrots of Jamaica, Hispaniolan Parakeet Aratinga chloroptera, Hispaniolan Parrot Amazona ventralis, Cuban Parrot A. leucocephala leucocephala and, most seriously, Cuban Parakeet Aratinga euops. The population of the Grand Cayman Parrot (Amazona leucocephala caymanensis), although numbering only about 1,000 birds, appears stable and the current conservation programme gives hope for the survival of the race. An active conservation and public education programme has begun for the Bahama Parrot A. l. bahamensis, which still occurs in good numbers on Great Inagua Island, but is threatened on Abaco Island. Recommendations for conservation of parrots and parakeets in the region include (1) instituting long-term programmes of research to determine distribution, status, and ecology of each species; (2) developing conservation programmes through education and management

  17. Automatic picking and earthquake relocation for the Antilles subduction zone (1972-2013)

    Science.gov (United States)

    Massin, F.; Amorèse, D.; Bengoubou-Valerius, M.; Bernard, M.

    2013-12-01

    Locations for earthquake recorded in the Antilles subduction zone are processed separately by regional observatories and ISC. There is no earthquake location catalog available compiling all available first arrival data. We aim to produce a best complete earthquake catalog by merging all available first arrival data for better constrains on earthquake locations. ISC provides the first arrival data of 29243 earthquakes (magnitude range from 1.4 to 6.4) recorded by PRSN (Porto Rico), SRC (British West Indies), and form FUNVISIS (Venezuela). IPGP provided the first arrival data of 68718 earthquakes (magnitude from 0.1 to 7.5) recorded by OVSG (Guadeloupe, 53226 earthquakes since 1981) and by OVSM (Martinique, 29931 earthquakes since 1972). IPGP also provides the accelerometer waveform data of the GIS-RAP network in the Antilles. The final catalog contains 84979 earthquakes between 1972 and 2013, 24528 of which we compiled additional data. We achieved automatic picking using the Component Energy Correlation Method. The CECM provide high precision phase detection, a realistic estimation of picking error and realistic weights that can be used with manual pick weights. The CECM add an average of 3 P-waves and 2 S-waves arrivals to 3846 earthquakes recoded by the GIS-RAP network since 2002. Cluster analysis, earthquake local tomography and relative locations are to be applied in order to image active faulting and migration of seismicity. This will help to understand seismic coupling in the seismogenic zone as well as triggering mechanisms of intermediate depth seismicity like fluid migration beneath the volcanic arc.

  18. Quantifying potential earthquake and tsunami hazard in the Lesser Antilles subduction zone of the Caribbean region

    Science.gov (United States)

    Hayes, Gavin P.; McNamara, Daniel E.; Seidman, Lily; Roger, Jean

    2014-01-01

    In this study, we quantify the seismic and tsunami hazard in the Lesser Antilles subduction zone, focusing on the plate interface offshore of Guadeloupe. We compare potential strain accumulated via GPS-derived plate motions to strain release due to earthquakes that have occurred over the past 110 yr, and compute the resulting moment deficit. Our results suggest that enough strain is currently stored in the seismogenic zone of the Lesser Antilles subduction arc in the region of Guadeloupe to cause a large and damaging earthquake of magnitude Mw ˜ 8.2 ± 0.4. We model several scenario earthquakes over this magnitude range, using a variety of earthquake magnitudes and rupture areas, and utilizing the USGS ShakeMap and PAGER software packages. Strong ground shaking during the earthquake will likely cause loss of life and damage estimated to be in the range of several tens to several hundreds of fatalities and hundreds of millions to potentially billions of U.S. dollars of damage. In addition, such an event could produce a significant tsunami. Modelled tsunamis resulting from these scenario earthquakes predict meter-scale wave amplitudes even for events at the lower end of our magnitude range (M 7.8), and heights of over 3 m in several locations with our favoured scenario (M 8.0, partially locked interface from 15-45 km depth). In all scenarios, only short lead-times (on the order of tens of minutes) would be possible in the Caribbean before the arrival of damaging waves.

  19. Quantifying potential earthquake and tsunami hazard in the Lesser Antilles subduction zone of the Caribbean region

    Science.gov (United States)

    Hayes, Gavin P.; McNamara, Daniel E.; Seidman, Lily; Roger, Jean

    2013-01-01

    In this study, we quantify the seismic and tsunami hazard in the Lesser Antilles subduction zone, focusing on the plate interface offshore of Guadeloupe. We compare potential strain accumulated via GPS-derived plate motions to strain release due to earthquakes that have occurred over the past 110 yr, and compute the resulting moment deficit. Our results suggest that enough strain is currently stored in the seismogenic zone of the Lesser Antilles subduction arc in the region of Guadeloupe to cause a large and damaging earthquake of magnitude Mw ∼ 8.2 ± 0.4. We model several scenario earthquakes over this magnitude range, using a variety of earthquake magnitudes and rupture areas, and utilizing the USGS ShakeMap and PAGER software packages. Strong ground shaking during the earthquake will likely cause loss of life and damage estimated to be in the range of several tens to several hundreds of fatalities and hundreds of millions to potentially billions of U.S. dollars of damage. In addition, such an event could produce a significant tsunami. Modelled tsunamis resulting from these scenario earthquakes predict meter-scale wave amplitudes even for events at the lower end of our magnitude range (M 7.8), and heights of over 3 m in several locations with our favoured scenario (M 8.0, partially locked interface from 15–45 km depth). In all scenarios, only short lead-times (on the order of tens of minutes) would be possible in the Caribbean before the arrival of damaging waves.

  20. 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…

  1. Gender differences in health and health care utilisation in various ethnic groups in the Netherlands: a cross-sectional study

    Directory of Open Access Journals (Sweden)

    Devillé Walter L

    2009-04-01

    Full Text Available Abstract Background To determine gender differences in health and health care utilisation within and between various ethnic groups in the Netherlands. Methods Data from the second Dutch National Survey of General Practice (2000–2002 were used. A total of 7,789 persons from the indigenous population and 1,512 persons from the four largest migrant groups in the Netherlands – Morocco, Netherlands Antilles, Turkey and Surinam – aged 18 years and older were interviewed. Self-reported health outcomes studied were general health status and the presence of acute (past 14 days and chronic conditions (past 12 months. And self-reported utilisation of the following health care services was analysed: having contacted a general practitioner (past 2 months, a medical specialist, physiotherapist or ambulatory mental health service (past 12 months, hospitalisation (past 12 months and use of medication (past 14 days. Gender differences in these outcomes were examined within and between the ethnic groups, using logistic regression analyses. Results In general, women showed poorer health than men; the largest differences were found for the Turkish respondents, followed by Moroccans, and Surinamese. Furthermore, women from Morocco and the Netherlands Antilles more often contacted a general practitioner than men from these countries. Women from Turkey were more hospitalised than Turkish men. Women from Morocco more often contacted ambulatory mental health care than men from this country, and women with an indigenous background more often used over the counter medication than men with an indigenous background. Conclusion In general the self-reported health of women is worse compared to that of men, although the size of the gender differences may vary according to the particular health outcome and among the ethnic groups. This information might be helpful to develop policy to improve the health status of specific groups according to gender and ethnicity. In

  2. Organic agriculture in the Netherlands

    NARCIS (Netherlands)

    Sukkel, W.; Hommes, M.

    2009-01-01

    Dutch organic agriculture has unique characteristics and peculiarities. It is still a relatively small sector compared to conventional agriculture in the Netherlands. However, its market share is growing and organic agriculture leads the way in terms of sustainability and innovations

  3. Autoantibody standardization in The Netherlands.

    NARCIS (Netherlands)

    Damoiseaux, J.; Tervaert, J.W.; Derksen, R.; Hamann, D.; Hooijkaas, H.; Klasen, I.S.; Kallenberg, C.; Limburg, P.; Smeenk, R.

    2009-01-01

    Several initiatives have been undertaken, independent of the European Autoantibody Standardization Initiative (EASI), to standardize autoantibodies in The Netherlands. The Dutch EASI team has made an inventory of which initiatives on autoantibody standardization are already available and what future

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

    NARCIS (Netherlands)

    Boschma, Ron; Hartog, Matté

    2014-01-01

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

  5. Halogen content in Lesser Antilles arc volcanic rocks : exploring subduction recycling

    Science.gov (United States)

    Thierry, Pauline; Villemant, Benoit; Caron, Benoit

    2016-04-01

    Halogens (F, Cl, Br and I) are strongly reactive volatile elements which can be used as tracers of igneous processes, through mantle melting, magma differentiation and degassing or crustal material recycling into mantle at subduction zones. Cl, Br and I are higly incompatible during partial melting or fractional cristallization and strongly depleted in melts by H2O degassing, which means that no Cl-Br-I fractionation is expected through magmatic differenciation [current thesis]. Thus, Cl/Br/I ratios in lavas reflect the halogen content of their mantle sources. Whereas these ratios seemed quite constant (e.g. Cl/Br =300 as seawater), recent works suggest significant variations in arc volcanism [1,2]. In this work we provide high-precision halogen measurements in volcanic rocks from the recent activity of the Lesser Antilles arc (Montserrat, Martinique, Guadeloupe, Dominique). Halogen contents of powdered samples were determined through extraction in solution by pyrohydrolysis and analysed by Ion Chromatography for F and Cl and high performance ICP-MS (Agilent 8800 Tripe Quad) for Cl, Br and I [3,4]. We show that lavas - and mantle sources - display significant vraiations in Cl/Br/I ratios along the Lesser Antilles arc. These variations are compared with Pb, Nd and Sr isotopes and fluid-mobile elements (Ba, U, Sr, Pb etc.) compositions which vary along the arc from a nothern ordinary arc compositions to a southern 'crustal-like' composition [5,6]. These characteristics are attributed to subducted sediments recycling into the mantle wedge, whose contribution vary along the arc from north to south [7,8]. The proportion of added sediments is also related to the distance to the trench as sediment melting and slab dehydration may occur depending on the slab depth [9]. Further Cl-Br-I in situ measurements by LA-ICP-MS in Lesser Antilles arc lavas melt inclusions will be performed, in order to provide better constraints on the deep halogen recycling cycle from crust to

  6. Active faulting induced by the slip partitioning in the Lesser Antilles arc

    Science.gov (United States)

    Leclerc, Frédérique; Feuillet, Nathalie

    2010-05-01

    AGUADOMAR marine cruise data acquired 11 years ago allowed us to identified and map two main sets of active faults within the Lesser Antilles arc (Feuillet et al., 2002; 2004). The faults belonging to the first set, such as Morne-Piton in Guadeloupe, bound up to 100km-long and 50km-wide arc-perpendicular graben or half graben that disrupt the fore-arc reef platforms. The faults of the second set form right-stepping en echelon arrays, accommodating left-lateral slip along the inner, volcanic islands. The two fault systems form a sinistral horsetail east of the tip of the left-lateral Puerto Rico fault zone that takes up the trench-parallel component of convergence between the North-American and Caribbean plates west of the Anegada passage. In other words, they together accommodate large-scale slip partitioning along the northeastern arc, consistent with recent GPS measurements (Lopez et al., 2006). These intraplate faults are responsible for a part of the shallow seismicity in the arc and have produce damaging historical earthquakes. Two magnitude 6.3 events occurred in the last 25 years along the inner en echelon faults, the last one on November 21 2004 in Les Saintes in the Guadeloupe archipelago. To better constrain the seismic hazard related to the inner arc faults and image the ruptures and effects on the seafloor of Les Saintes 2004 earthquake, we acquired new marine data between 23 February and 25 March 2009 aboard the French R/V le Suroît during the GWADASEIS cruise. We present here the data (high-resolution 72 channel and very high-resolution chirp 3.5 khz seismic reflection profiles, EM300 multibeam bathymetry, Küllenberg coring and SAR imagery) and the first results. We identified, mapped and characterized in detail several normal to oblique fault systems between Martinique and Saba. They offset the seafloor by several hundred meters and crosscut all active volcanoes, among them Nevis Peak, Soufriere Hills, Soufriere de Guadeloupe and Montagne Pel

  7. 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.

  8. 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...

  9. 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.

  10. 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.

  11. Numerical Tsunami Hazard Assessment of the Only Active Lesser Antilles Arc Submarine Volcano: Kick 'em Jenny.

    Science.gov (United States)

    Dondin, F. J. Y.; Dorville, J. F. M.; Robertson, R. E. A.

    2015-12-01

    The Lesser Antilles Volcanic Arc has potentially been hit by prehistorical regional tsunamis generated by voluminous volcanic landslides (volume > 1 km3) among the 53 events recognized so far. No field evidence of these tsunamis are found in the vincity of the sources. Such a scenario taking place nowadays would trigger hazardous tsunami waves bearing potentially catastrophic consequences for the closest islands and regional offshore oil platforms.Here we applied a complete hazard assessment method on the only active submarine volcano of the arc Kick 'em Jenny (KeJ). KeJ is the southernmost edifice with recognized associated volcanic landslide deposits. From the three identified landslide episodes one is associated with a collapse volume ca. 4.4 km3. Numerical simulations considering a single pulse collapse revealed that this episode would have produced a regional tsunami. An edifice current volume estimate is ca. 1.5 km3.Previous study exists in relationship to assessment of regional tsunami hazard related to shoreline surface elevation (run-up) in the case of a potential flank collapse scenario at KeJ. However this assessment was based on inferred volume of collapse material. We aim to firstly quantify potential initial volumes of collapse material using relative slope instability analysis (RSIA); secondly to assess first order run-ups and maximum inland inundation distance for Barbados and Trinidad and Tobago, i.e. two important economic centers of the Lesser Antilles. In this framework we present for seven geomechanical models tested in the RSIA step maps of critical failure surface associated with factor of stability (Fs) for twelve sectors of 30° each; then we introduce maps of expected potential run-ups (run-up × the probability of failure at a sector) at the shoreline.The RSIA evaluates critical potential failure surface associated with Fs sources characteristics are retrieved from numerical simulation using an hydraulic equations-based code (Volc

  12. Internet Banking System Prototype

    CERN Document Server

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

    2010-01-01

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

  13. E-BANKING- MODERN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    MIRANDA PETRONELLA VLAD

    2009-05-01

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

  14. Enchytraeidae of the Netherlands (Annelida; Oligochaeta)

    NARCIS (Netherlands)

    Gunst, de J.H.

    1965-01-01

    This paper presents a preliminary check list of 46 species of Enchytraeidae hitherto found in the Netherlands. With the exception of Enchytraeus albidus and Hemifridericia parva, these species are recorded from the Netherlands for the first time.

  15. Diabetes MILES--The Netherlands

    DEFF Research Database (Denmark)

    Nefs, Giesje; Bot, Mariska; Browne, Jessica L

    2012-01-01

    BACKGROUND: As the number of people with diabetes is increasing rapidly worldwide, a more thorough understanding of the psychosocial aspects of living with this condition has become an important health care priority. While our knowledge has grown substantially over the past two decades with respect...... to the physical, emotional and social difficulties that people with diabetes may encounter, many important issues remain to be elucidated. Under the umbrella of the Diabetes MILES (Management and Impact for Long-term Empowerment and Success) Study International Collaborative, Diabetes MILES--The Netherlands aims...... to examine how Dutch adults with diabetes manage their condition and how it affects their lives. Topics of special interest in Diabetes MILES--The Netherlands include subtypes of depression, Type D personality, mindfulness, sleep and sexual functioning. METHODS/DESIGN: Diabetes MILES--The Netherlands...

  16. Numerical modelling of historical landslide-generated tsunamis in the French Lesser Antilles

    Science.gov (United States)

    Poisson, B.; Pedreros, R.

    2010-06-01

    Two historical landslide-induced tsunamis that reached the coasts of the French Lesser Antilles are studied. First, the Martinique coast was hit by a tsunami down the western flank of Montagne Pelée at the beginning of the big eruption of May 1902. More recently, the northeastern coast of Guadeloupe was affected by a tsunami that had been generated around Montserrat by pyroclastic flows entering the sea, during the July 2003 eruption of the Soufrière Hills volcano. We use a modified version of the GEOWAVE model to compute numerical simulations of both events. Two source hypotheses are considered for each tsunami. The comparison of the simulation results with reported tsunami height data helps to discriminate between the tested source decriptions. In the Martinique case, we obtain a better fit to data when considering three successive lahars entering the sea, as a simplified single source leads to an overstimation of the tsunami wave heights at the coast. In the Montserrat case, the best model uses a unique source which volume corresponds to published data concerning the peak volume flow. These findings emphasize the importance of an accurate description of the relevant volume as well as the timing sequence of the source event in landslide-generated tsunami modelling. They also show that considering far-field effects in addition to near-field effects may significantly improve tsunami modelling.

  17. Isotopic composition of strontium in three basalt-andesite centers along the Lesser Antilles arc

    Science.gov (United States)

    Hedge, C.E.; Lewis, J.F.

    1971-01-01

    Si87/Sr86 ratios have been determined for lavas and py lastic rocks from three basalt-andesite centers along the Lesser Antilles arc-Mt. Misery on the island of St. Kitts, Soufriere on the island of St. Vincent, and Carriacou, an island of The Grenadines. The average Si87/Sr86 content of these rocks is 0.7038 for Mt. Misery, 0.7041 for Soufriere, and 0.7053 for Carriacou. All the Sr87/Sr86 values from each center are the same within analytical uncertainty (??0.0002). The constancy of strontium isotopic data within each center supports the hypothesis that basalts and andesites for each specific center investigated are generated from the same source - in agreement with petrographic and major- and minor-element data. Strontium isotopic compositions and elemental concentrations, particularly of strontium and nickel, indicate that this source was mantle peridotite and that the relationship between the respective basalts and andesites is probably fractional crystallization. ?? 1971 Springer-Verlag.

  18. Genetic Diversity in the Lesser Antilles and Its Implications for the Settlement of the Caribbean Basin.

    Directory of Open Access Journals (Sweden)

    Jada Benn Torres

    Full Text Available Historical discourses about the Caribbean often chronicle West African and European influence to the general neglect of indigenous people's contributions to the contemporary region. Consequently, demographic histories of Caribbean people prior to and after European contact are not well understood. Although archeological evidence suggests that the Lesser Antilles were populated in a series of northward and eastern migratory waves, many questions remain regarding the relationship of the Caribbean migrants to other indigenous people of South and Central America and changes to the demography of indigenous communities post-European contact. To explore these issues, we analyzed mitochondrial DNA and Y-chromosome diversity in 12 unrelated individuals from the First Peoples Community in Arima, Trinidad, and 43 unrelated Garifuna individuals residing in St. Vincent. In this community-sanctioned research, we detected maternal indigenous ancestry in 42% of the participants, with the remainder having haplotypes indicative of African and South Asian maternal ancestry. Analysis of Y-chromosome variation revealed paternal indigenous American ancestry indicated by the presence of haplogroup Q-M3 in 28% of the male participants from both communities, with the remainder possessing either African or European haplogroups. This finding is the first report of indigenous American paternal ancestry among indigenous populations in this region of the Caribbean. Overall, this study illustrates the role of the region's first peoples in shaping the genetic diversity seen in contemporary Caribbean populations.

  19. [Artificial insemination with donor sperm in the Netherlands: future-proof?].

    Science.gov (United States)

    Kop, P A L Femke; Janssens, Pim M W; Mochtar, Monique H

    2014-01-01

    In recent years much has changed in care for artificial insemination with donor sperm (AID). Since new laws and regulations were implemented, a large number of sperm banks have closed and the total number of sperm donors and their availability have decreased. Long waiting times and the use of sperm donors recruited by foreign commercial sperm banks can indicate a shortage of sperm donors. The fact that the internet offers women the possibility of ordering donor sperm and starting treatment without the intervention of a sperm bank means that future donor-conceived children may be prevented from obtaining the identity of their sperm donor as stipulated in the Dutch law on donor information in the context of artificial insemination. In order to comply with this law, an active recruitment policy is needed for Dutch sperm donors, to prevent waiting lists and treatments outside Dutch sperm banks. Only then can current AID care be guaranteed in the Netherlands in the future.

  20. 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 ...

  1. 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.

  2. 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

  3. 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...

  4. 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 ...

  5. 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....

  6. Aggregate resources in the Netherlands

    NARCIS (Netherlands)

    Meulen, M.J. van der; Gessel, S.F. van; Veldkamp, J.G.

    2005-01-01

    We have built a 3D lithological model of the Netherlands, for the purpose of mapping on-land aggregate resources down to 50 m below the surface. The model consists of voxel cells (1000 · 1000 · 1 m), with lithological composition and aggregate content estimates as primary attributes. These attribute

  7. Sport in the Netherlands 2009

    NARCIS (Netherlands)

    Annet Tiessen-Raaphorst; Koen Breedveld

    2009-01-01

    Sport is a popular pastime in the Netherlands; More than 10 million people take part in at least one sport. To do this, they can choose from more than 27,000 non-profit sports clubs, or more than 7,200 commercial providers such as fitness centres or riding stables. Among the most popular sports are

  8. Coastal maintenance in the Netherlands

    NARCIS (Netherlands)

    Verhagen, H.J.

    1991-01-01

    The government of The Netherlands has decided in the summer of 1990 to maintai.n the coastline at the position of 1990. This will be done mainly by artificial beach nourishment. The costs will be paid by the national government. The purpose of this coastal maintenance is to maintain a sufficient lev

  9. Elder abuse in the Netherlands

    NARCIS (Netherlands)

    Inger Plaisier; Mirjam de Klerk

    2015-01-01

    Original title: Ouderenmishandeling in Nederland It is twenty years since the last study was carried out on the number of older persons in the Netherlands who are deliberate or accidental victims of abuse in the form of verbal, physical or sexual violence, financial abuse and/or neglect by those o

  10. Central Planning in the Netherlands

    NARCIS (Netherlands)

    J. Tinbergen (Jan)

    1947-01-01

    textabstractImmediately after the Liberation the Netherlands were faced with a severe shortage of all essential goods, particularly in the Western part of the country, where the period of famine had led to a complete exhaustion of all stocks, and where the Germans had deliberately destroyed the rail

  11. Sustainable safety in The Netherlands.

    NARCIS (Netherlands)

    Wegman, F.C.M.

    1996-01-01

    The recent stagnation in further reduction of road accidents, insufficient results of existing policies to improve road safety and its rather curative nature of these policies induced the wish to renew and to improve road safety policy in the Netherlands. This new approach is called : a sustainable

  12. Luminescence dating of Netherland's sediments

    NARCIS (Netherlands)

    Wallinga, J.; Davids, F.; Dijkmans, J.W.A.

    2007-01-01

    Over the last decades luminescence dating techniques have been developed that allow earth scientists to determine the time of deposition of sediments. In this contribution we revity: 1) the development of the methodology, 2) tests of the reliability of luminescence dating on Netherlands' sediments;

  13. Netherlands: archives, libraries and museums

    NARCIS (Netherlands)

    E. Ketelaar; F. Huysmans; P. van Mensch

    2010-01-01

    This entry provides an overview of the development and current state of archives, libraries, and museums as institutions, and the related professions and disciplines within the Netherlands. The entry describes social and political issues affecting information institutions from the early nineteenth c

  14. Media History in the Netherlands

    NARCIS (Netherlands)

    Vree, Frank van

    2014-01-01

    abstractArticle published in 1993 in GBG-nieuws related to a seminar on Media History in the Netherlands. Republished in 2014 in Tijdschrift voor mediageschiedenis in the context of a seminar held in september 2014 at Sound and Vision on the past 25 years of Media History and its future.

  15. Informal learning in the Netherlands

    NARCIS (Netherlands)

    Caniëls, Marjolein; Kirschner, Paul A.

    2011-01-01

    Caniëls, M. C., & Kirschner, P. A. (2010). Informal learning in the Netherlands. In S. Halley, C. Birch, D. Tempelaar, M. McCuddy, N. Hérnandez Nanclares, S. Reeb Grube, W. Gijselaers, B. Rienties, & N. Nelissen (Eds), Proceedings of the 17th EDINEB Conference: Crossing Borders in Education and Work

  16. Surgical Training in the Netherlands

    NARCIS (Netherlands)

    Borel Rinkes, I.H.M.; Gouma, D.J.; Hamming, J.F.

    2008-01-01

    Surgical training in the Netherlands has traditionally been characterized by learning on the job under the classic master-trainee doctrine. Over the past decades, it has become regionally organized with intensive structural training courses, and a peer-based quality control system. Recently, the nat

  17. Work life in the Netherlands

    NARCIS (Netherlands)

    Bossche, S. van den; Dhondt, S.; Genabeek, J. van; Goudswaard, A.; Hooftman, W.; Houtman, I.; Klein Hesselink, J.; Korte, E. de; Kraan, K.; Oeij, P.; Pot, F.; Smulders, P.G.W.; Vaas, F.; Wevers, C.; Willems, D.

    2012-01-01

    The nature of work is changing, not only in the Netherlands but throughout Europe. There is a growing demand for different types of products and services. These demands are influenced by technological developments and innovations, but also by globalization, which indicates the integration of nationa

  18. Refugee groups in the Netherlands

    NARCIS (Netherlands)

    Edith Dourleijn; Jaco Dagevos

    2011-01-01

    Original title: Vluchtelingengroepen in Nederland This report describes for the first time the socioeconomic and sociocultural position of the four largest refugee groups in the Netherlands, originating from Afghanistan, Iraq, Iran and Somalia. Virtually nothing is known about these migrants, espec

  19. Ostroumovia inkermanica in the Netherlands

    NARCIS (Netherlands)

    Saraber, J.G.A.M.

    1962-01-01

    During an examination of the Hydromedusae from the Netherlands and adjacent waters present in the collections of the Rijksmuseum van Natuurlijke Historie at Leiden, the Zoological Museum at Amsterdam, and the Zoological Station at Den Helder, some specimens of a medusa were found that proved to belo

  20. "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...

  1. 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

  2. A unique opportunity to reconstruct the volcanic history of the island of Nevis, Lesser Antilles

    Science.gov (United States)

    Saginor, I.; Gazel, E.

    2012-12-01

    We report twelve new ICP-MS analyses and two 40Ar/39Ar ages for the Caribbean island of Nevis, located in the Lesser Antilles. These data show a very strong fractionation trend, suggesting that along strike variations may be primarily controlled by the interaction of rising magma with the upper plate. If this fractionation trend is shown to correlate with age, it may suggest that underplating of the crust is responsible for variations in the makeup of erupted lava over time, particularly with respect to silica content. We have recently been given permission to sample a series of cores being drilled by a geothermal company with the goal of reconstructing the volcanic history of the island. Drilling is often cost-prohibitive, making this a truly unique opportunity. Nevis has received little recent attention from researchers due to the fact that it has not been active for at least 100,000 years and also because of its proximity to the highly active Montserrat, which boasts its very own volcano observatory. However, there are a number of good reasons that make this region and Nevis in particular an ideal location for further analysis. First, and most importantly, is the access to thousands of meters of drill cores that is being provided by a local geothermal company. Second, a robust earthquake catalog exists (Bengoubou-Valerius et al., 2008), so the dip and depth to the subducting slab is well known. These are fundamental parameters that influence the mechanics of a subduction zone, therefore it would be difficult to proceed if they were poorly constrained. Third, prior sampling of Nevis has been limited since Hutton and Nockolds (1978) published the only extensive petrologic study ever performed on the island. This paper contained only 43 geochemical analyses and 6 K-Ar ages, which are less reliable than more modern Ar-Ar ages. Subsequent studies tended to focus on water geochemistry (GeothermEx, 2005), geothermal potential (Geotermica Italiana, 1992; Huttrer, 1998

  3. Breaking of storm waves on sand and reef zone in the Lesser Antilles Arc

    Science.gov (United States)

    Dorville, Jean-François; Berthelot, Hugues; Zahibo, Narcisse

    2010-05-01

    The most part of the exposed coastal zone of the Lesser Antilles Arc are composed by sand and coral reef. The high frequencies of passage of cyclones near these islands and anticyclone's swell subject them to waves of large amplitude. These waves are 4 to 5 times lager to the normal conditions. The weak slopes observed on these zones are particularly sensitive to this type of waves and cause the process of surfing. The mode of dissipation of these waves influenced the run-up and the floods on the coast. The surf zones are situated in 5 in 20 meters of the line of coast. A displacement of sea water towards the coast line is provoked by the breaking of the waves. These quantities of water are held by the particularly bathymetry of these islands and provoke a raised of the sea level. The propagation of the waves are allowed by the sea elevation in the surf zone In the evaluation of the marine risk in the Lesser Antilles Arc, a model of sea state forecast are developed in the Laboratory of Geosciences and Energy (LaRGE) in the French West Indies and French Guiana University (Guadeloupe , FWI). This forecast model is based on the coupling of several numerical models. WaveWatch III and SWAN are used for the wave propagation on large and small sectors. An ocean circulation model based on POM is used to evaluate the sea current and the sea level. To improve the forecasts on the exposed coast, in the zone included between the surf and swash, the sea elevation induced by the large amplitude wave are particularly studies. The numerical model of wave propagation near the coast SWAN is used to determine the sea state before the surf zone. The dissipation and the breaking of the large amplitude waves are studied with the spectral values give by SWAN and the local conditions (bathymetry, sea level, slope, bottom friction). During the months of November and December 2009, several large amplitude waves, coming from the North Atlantic Ocean, impact the west coast of Guadeloupe. The

  4. Relocalizing a historical earthquake using recent methods: The 10 November 1935 Earthquake near Montserrat, Lesser Antilles

    Science.gov (United States)

    Niemz, P.; Amorèse, D.

    2016-03-01

    This study investigates the hypothesis of Feuillet et al. (2011) that the hypocenter of the seismic event on November 10, 1935 near Montserrat, Lesser Antilles (MS 6 1/4) (Gutenberg and Richter, 1954) was mislocated by other authors and is actually located in the Montserrat-Havers fault zone. While this proposal was based both on a Ground Motion Prediction Equation and on the assumption that earthquakes in this region are bound to prominent fault systems, our study relies on earthquake localization methods using arrival times of the International Seismological Summary (ISS). Results of our methodology suggest that the hypocenter was really located at 16.90° N, 62.53° W. This solution is about 25 km north-west of the location proposed by Feuillet et al. (2011) within the Redonda fault system, northward of the Montserrat-Havers fault zone. As depth phases that contribute valuable insights to the focal depth are not included in the ISS data set and the reassociation of these phases is difficult, the error in depth is high. Taking into account tectonic constraints and the vertical extend of NonLinLoc's uncertainty area of the preferred solution we assume that the focus is most probably in the lower crust between 20 km and the Moho. Our approach shows that the information of the ISS can lead to a reliable solution even without an exhaustive search for seismograms and station bulletins. This is encouraging for a better assessment of seismic and tsunami hazard in the Caribbean, Mexico, South and Central America, where many moderate to large earthquakes occurred in the first half of the 20th century. The limitations during this early phase of seismology which complicate such relocations are described in detail in this study.

  5. Combining Geological and Geophysical Data in Volcanic Hazard Estimation for Dominica, Lesser Antilles

    Science.gov (United States)

    George, O.; Latchman, J. L.; Connor, C.; Malservisi, R.; Connor, L.

    2014-12-01

    Risk posed by volcanic eruptions are generally quantified in a few ways; in the short term geophysical data such as seismic activity or ground deformation are used to assess the state of volcanic unrest while statistical approaches such as spatial density estimates are used for long term hazard assessment. Spatial density estimates have been used in a number of monogenetic volcanic fields for hazard map generation and utilize the age, location and volumes of previous eruptions to calculate the probability of a new event occurring at a given location within this field. In a previously unpublished study, spatial density estimates of the Lesser Antilles volcanic arc showed the island of Dominica to have the highest likelihood of future vent formation. In this current study, this technique was used in combination with relocated seismic events occurring beneath Dominica within the last ~ 20 years as well as InSAR images of ground deformation to generate a hazard map which not only takes into consideration the past events but also the current state of unrest. Here, geophysical data serve as a weighting factor in the estimates with those centers showing more vigorous activity receiving stronger favorability in the assessment for future activity. In addition to this weighting, the bandwidth utilized in the 2D-radially symmetric kernel density function was optimized using the SAMSE method so as to find the value which best minimizes the error in the estimate. The end results of this study are dynamic volcanic hazards maps which will be readily updatable as changes in volcanic unrest occurs within the system.

  6. Isotopic evidence for quick freshening of magmatic chlorine in the Lesser Antilles arc volcanoes

    Science.gov (United States)

    Li, L.; Jendrzejewski, N.; Aubaud, C. P.; Bonifacie, M.; Crispi, O.; Dessert, C.; Agrinier, P.

    2012-12-01

    Despite numerous geophysical and geochemical monitoring techniques developed over the last 50 years to detect magma activities in volcanoes, it is still challenging to evaluate the state of magmatic activity during its decreasing phase (transitory quiet stage and/or final stage of the magma intrusion which may last for decades) for those infrequent, slow developing, and dangerous explosive eruptive arc volcanoes, attributed to the interaction between the magma and hydrothermal cells at shallow depths to produce complex phreato-magmatic events. Recent studies have implied that chloride in intrusion-induced thermal springs could be a potential sensitive indicator of shallow magma degassing. However, possible contamination from surface chlorine reservoirs, such as seawater, may overprint the magmatic signature and complicate the interpretation of field observation. Here, based on chlorine isotope examination of various water samples from two recently erupted volcanoes in the Lesser Antilles arc (Soufrière in Guadeloupe: phreatic eruption in1976-1977; Montagne Pelée in Martinique: pelean eruption in 1929-1932), we show that magmatic chlorine is isotopically distinct from surface chlorine (seawater, meteoric water, and ground water). A chlorine isotopic survey on thermal springs in Guadeloupe and Martinique indicate that the magmatic chlorine signature is still present in some of the thermal springs in Guadeloupe but completely disappeared in Martinique. This suggests that magmatic chlorine be rapidly flushed from hydrothermal system within < 30 to 80 years after the magmatic eruption. This enables chlorine isotopes to be a sensitive proxy to monitor shallow magmatic activities, particularly practicable at centennial scale.

  7. Thermochronology and tectonics of the Leeward Antilles: Evolution of the southern Caribbean Plate boundary zone

    Science.gov (United States)

    van der Lelij, Roelant; Spikings, Richard A.; Kerr, Andrew C.; Kounov, Alexandre; Cosca, Michael; Chew, David; Villagomez, Diego

    2010-01-01

    Tectonic reconstructions of the Caribbean Plate are severely hampered by a paucity of geochronologic and exhumation constraints from anastomosed basement blocks along its southern margin. New U/Pb, 40Ar/39Ar, apatite fission track, and apatite (U-Th)/He data constrain quantitative thermal and exhumation histories, which have been used to propose a model for the tectonic evolution of the emergent parts of the Bonaire Block and the southern Caribbean Plate boundary zone. An east facing arc system intruded through an oceanic plateau during ~90 to ~87 Ma and crops out on Aruba. Subsequent structural displacements resulted in >80°C of cooling on Aruba during 70–60 Ma. In contrast, exhumation of the island arc sequence exposed on Bonaire occurred at 85–80 Ma and 55–45 Ma. Santonian exhumation on Bonaire occurred immediately subsequent to burial metamorphism and may have been driven by the collision of a west facing island arc with the Caribbean Plate. Island arc rocks intruded oceanic plateau rocks on Gran Roque at ~65 Ma and exhumed rapidly at 55–45 Ma. We attribute Maastrichtian-Danian exhumation on Aruba and early Eocene exhumation on Bonaire and Gran Roque to sequential diachronous accretion of their basement units to the South American Plate. Widespread unconformities indicate late Eocene subaerial exposure. Late Oligocene–early Miocene dextral transtension within the Bonaire Block drove subsidence and burial of crystalline basement rocks of the Leeward Antilles to ≤1 km. Late Miocene–recent transpression caused inversion and ≤1 km of exhumation, possibly as a result of the northward escape of the Maracaibo Block.

  8. Inter-annual rainfall variability in the eastern Antilles and coupling with the regional and intra-seasonal circulation

    Science.gov (United States)

    Jury, Mark R.

    2016-11-01

    Climate variability in the eastern Antilles island chain is analyzed via principal component analysis of high-resolution monthly rainfall in the period 1981-2013. The second mode reflecting higher rainfall in July-October season between Martinique and Grenada is the focus of this study. Higher rainfall corresponds with a weakened trade wind and boundary current along the southern edge of the Caribbean. This quells the coastal upwelling off Venezuela and builds the freshwater plume east of Trinidad. There is corresponding upper easterly wind flow that intensifies passing tropical waves. During a storm event over the Antilles on 4-5 October 2010, there was inflow from east of Guyana where low salinity and high sea temperatures enable surplus latent heat fluxes. A N-S convective rain band forms ˜500 km east of the cyclonic vortex. Many features at the weather timescale reflect the seasonal correlation and composite difference maps and El Nino Southern Oscillation (ENSO) modulation of oceanic inter-basin transfers.

  9. Parthenogenetic reproduction demonstrated in the diploid Spasalus puncticollis (Le Peletier & Serville 1825), n. stat., from the Antilles (Coleoptera, Scarabaeoidea, Passalidae).

    Science.gov (United States)

    Boucher, Stéphane; Dutrillaux, Anne-Marie; Dutrillaux, Bernard

    2015-11-01

    Only females were observed in Spasalus crenatus (Mac Leay 1819) in the Antilles, from Puerto Rico to Saint-Vincent, whereas both sexes are in Trinidad and on the continent. No difference in endo- and ectodermic female genitalia could be noticed between the two populations. Chromosomes of specimens from Guadeloupe reveal a 26,XX karyotype, as in females of various sexual species of Passalini, which demonstrates its diploidy. Breedings were developed with isolated immature stages. After nine years, descendants from a single female are demonstrating their parthenogenetic reproduction. This is the first recorded parthenogenesis in Passalidae and a rare telytoky in diploid insects. Relationships between parthenogenesis, diploidy and insularity are discussed in the scheme of geographical parthenogenesis. No discriminant morphological character on adults could be found between the two populations, except the total length. The modes of reproduction distinguishing the two geographically separated populations suggest the presence of two taxa: S. crenatus on the continent and Trinidad; the parthenote S. puncticollis (Le Peletier & Serville 1825), n. stat., on the Arc of the Antilles.

  10. Host specificity and phylogenetic relationships among Atlantic Ovulidae (Mollusca: Gastropoda)

    NARCIS (Netherlands)

    Reijnen, B.T.; Hoeksema, B.W.; Gittenberger, E.

    2010-01-01

    Ovulid gastropods and their octocoral hosts were collected along the leeward coast of Curaçao, Netherlands Antilles. New molecular data of Caribbean and a single Atlantic species were combined with comparable data of Indo-Pacific Ovulidae and a single East-Pacific species from GenBank. Based on two

  11. It takes two to tango : An empirical tale of distressed firms and assisting banks

    NARCIS (Netherlands)

    Couwenberg, Oscar; de Jong, Abe

    2006-01-01

    We study the restructuring process of small and medium-sized firms in financial distress. We have a unique dataset with firms in the Netherlands that are assisted in their restructuring effort by banks. Part of our dataset consists of firms that successfully restructure their operations and obligati

  12. Bonaire 2008: Exploring Coral Reef Sustainability with New Technologies on Fetch1 AUV and Gavia AUV's in Netherlands, Antilles between 20080107 and 20080130

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — The goal of the Bonaire 2008 expedition is to survey this unique environment over a greater depth range than can be reached with compressed air scuba, using three...

  13. Recovery of the long-spined sea urchin Diadema Antillarum in Curacao (Netherlands Antilles) linked to lagoonal and wave sheltered shallow rocky habitats

    NARCIS (Netherlands)

    Debrot, A.O.; Nagelkerken, I.

    2006-01-01

    Mangroves are an important fish habitat, but little is known of their nursery function and connectivity to other habitats such as coral reefs. Here, the present status of knowledge on connectivity between non-estuarine mangroves and coral reefs by post-larval coral reef fishes is reviewed. Only sinc

  14. 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...

  15. 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.

  16. 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...

  17. 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.

  18. 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

  19. 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...

  20. 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...

  1. 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 ...

  2. 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...

  3. 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...

  4. 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.

  5. 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

  6. 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.

  7. 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

  8. 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

  9. 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

  10. 75 FR 30431 - Carboxymethylcellulose from Finland, Mexico, Netherlands, and Sweden

    Science.gov (United States)

    2010-06-01

    ... COMMISSION Carboxymethylcellulose from Finland, Mexico, Netherlands, and Sweden AGENCY: United States... on carboxymethylcellulose from Finland, Mexico, Netherlands, and Sweden. SUMMARY: The Commission... carboxymethylcellulose from Finland, Mexico, Netherlands, and Sweden would be likely to lead to continuation...

  11. Earthquake precise locations catalog for the Lesser Antilles subduction zone (1972-2013)

    Science.gov (United States)

    Massin, Frederick; Amorese, Daniel; Beauducel, Francois; Bengoubou-Valérius, Mendy; Bernard, Marie-Lise; Bertil, Didier

    2014-05-01

    Locations for earthquake recorded in the Lesser Antilles subduction zone are processed separately by regional observatories, NEIC and ISC. There is no earthquake location catalog available compiling all available phase arrival data. We propose a new best complete earthquake catalog by merging all available phase arrival data for better constrains on earthquake locations. ISC provides the phase arrival data of 29243 earthquakes (magnitude range from 1.4 to 6.4) recorded by PRSN (Porto Rico), SRC (British West Indies), and from FUNVISIS (Venezuela). We add phases data from IPGP observatories for 68718 earthquakes from magnitudes 0.1 to 7.5 (OVSG, Guadeloupe, recorded 53226 earthquakes since 1981, and OVSM, Martinique, recorded 29931 earthquakes since 1972). IPGP also provides the accelerometer waveform data of the GIS-RAP network. We achieved automatic picking on the GIS-RAP data using the Component Energy Correlation Method. The CECM provides high precision phase detection, a realistic estimation of picking error and realistic weights that can be used with manual pick weights. The CECM add an average of 3 P-waves and 2 S-waves arrivals to 3846 earthquakes recorded by the GIS-RAP network since 2002. The final catalog contains 84979 earthquakes between 1972 and 2013, 24528 of which we compiled additional data. We achieve earthquake location using NonLinLoc, regional P and S waves data and a set of one dimensional velocity models. We produce improved locations for 22974 earthquakes (better residuals, on equal or larger arrival dataset) and improved duration magnitudes for 6258 earthquakes (using duration data and improved locations). A subset of best constrained 15626 hypocenters (with more than 8 phases and an average RMS of 0.48±0.77s) could be used for structural analysis and earthquake local tomography. Relative locations are to be applied in order to image active faulting. We aim to understand coupling in the seismogenic zone as well as triggering mechanisms of

  12. 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...

  13. Human hantavirus infections in the Netherlands.

    Science.gov (United States)

    Sane, Jussi; Reimerink, Johan; Harms, Margriet; Bakker, Jacinta; Mughini-Gras, Lapo; Schimmer, Barbara; van Pelt, Wilfrid

    2014-12-01

    We report the recent epidemiology and estimated seroprevalence of human hantavirus infections in the Netherlands. Sixty-two cases were reported during December 2008-December 2013. The estimated seroprevalence in the screened municipalities in 2006-2007 was 1.7% (95% CI 1.3%-2.3%). Findings suggest that hantavirus infections are underdiagnosed in the Netherlands.

  14. Agricultural marketing in Belgium and The Netherlands

    NARCIS (Netherlands)

    Meulenberg, M.T.G.; Viaene, J.

    1993-01-01

    Agriculture in Belgium and the Netherlands has a strong export tradition and has been market oriented for a long time. In this article agricultural markeling in Belgium and the Netherlands is analyzed on the basis of the concepts structure, conduct and performance. In our review of market structure

  15. The Poor Side of the Netherlands

    NARCIS (Netherlands)

    Cok Vrooman; Stella Hoff

    2004-01-01

    Poverty is a theme that has attracted a great deal of attention in the Netherlands over the last decade, both in government policy and in academic research and statistics. Since 1997 the Social and Cultural Planning Office (SCP) and Statistics Netherlands (CBS) have published a regular Poverty Monit

  16. Rise in maternal mortality in the Netherlands

    NARCIS (Netherlands)

    J.M. Schutte; E.A.P. Steegers; N.W.E. Schuitemaker; J.G. Santema; K. de Boer; M. Pel; G. Vermeulen; W. Visser; J. van Roosmalen

    2010-01-01

    Objective To assess causes, trends and substandard care factors in maternal mortality in the Netherlands. Design Confidential enquiry into the causes of maternal mortality. Setting Nationwide in the Netherlands. Population 2,557,208 live births. Methods Data analysis of all maternal deaths in the pe

  17. The Upper Permian in the Netherlands

    NARCIS (Netherlands)

    Visser, W.A.

    1955-01-01

    The Upper Permian in the Netherlands, as known from borehole data, is deposited in a mainly evaporitic facies north of the Brabant and Rhenish Massifs. In the extreme south (Belgian Campine, de Peel) a near-shore facies of reef dolomites and elastics occurs. In the western and central Netherlands th

  18. Independent Local Political Parties in the Netherlands

    NARCIS (Netherlands)

    Voerman, G.; Boogers, M.

    2010-01-01

    In the last 15 years, the Netherlands has witnessed the enormous growth of independent local parties and of their electoral support. In order to assess the success of independent locals in the Netherlands, this paper explores how independent local parties distinguish themselves ideologically, organi

  19. 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...

  20. 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.

  1. Fall armyworm migration across the Lesser Antilles and the potential for genetic exchanges between North and South American populations

    Science.gov (United States)

    Nagoshi, Rodney N.; Hay-Roe, Mirian; Khan, Ayub; Murúa, M. Gabriela; Silvie, Pierre; Vergara, Clorinda; Westbrook, John

    2017-01-01

    The fall armyworm, Spodoptera frugiperda (J. E. Smith)(Lepidoptera: Noctuidae), is an important agricultural pest of the Western Hemisphere noted for its broad host range, long distance flight capabilities, and a propensity to develop resistance to pesticides that includes a subset of those used in genetically modified corn varieties. These characteristics exacerbate the threat fall armyworm poses to agriculture, with the potential that a resistance trait arising in one geographical location could rapidly disseminate throughout the hemisphere. A region of particular concern is the Caribbean, where a line of islands that extends from Florida to Venezuela provides a potential migratory pathway between populations from North and South America that could allow for consistent and substantial genetic interactions. In this study, surveys of populations from Peru, Bolivia, Paraguay, and Trinidad & Tobago expand on previous work in South America that indicates a generally homogeneous population with respect to haplotype markers. This population differs from that found in most of the Lesser Antilles where a combination of genetic and meteorological observations is described that indicate fall armyworm migration from Puerto Rico to as far south as Barbados, but does not support significant incursion into Trinidad & Tobago and South America. Air transport projections demonstrate that the wind patterns in the Caribbean region are not conducive to consistent flight along the north-south orientation of the Lesser Antilles, supporting the conclusion that such migration is minor and sporadic, providing few opportunities for genetic exchanges. The implications of these findings on the dissemination of deleterious traits between the two Western Hemisphere continents are discussed. PMID:28166292

  2. Plutonic xenoliths from Martinique, Lesser Antilles: evidence for open system processes and reactive melt flow in island arc crust

    Science.gov (United States)

    Cooper, George F.; Davidson, Jon P.; Blundy, Jon D.

    2016-10-01

    The Lesser Antilles Volcanic Arc is remarkable for the abundance and variety of erupted plutonic xenoliths. These samples provide a window into the deeper crust and record a more protracted crystallisation history than is observed from lavas alone. We present a detailed petrological and in situ geochemical study of xenoliths from Martinique in order to establish their petrogenesis, pre-eruptive storage conditions and their contribution to construction of the sub-volcanic arc crust. The lavas from Martinique are controlled by crystal-liquid differentiation. Amphibole is rarely present in the erupted lavas, but it is a very common component in plutonic xenoliths, allowing us to directly test the involvement of amphibole in the petrogenesis of arc magmas. The plutonic xenoliths provide both textural and geochemical evidence of open system processes and crystal `cargos'. All xenoliths are plagioclase-bearing, with variable proportions of olivine, spinel, clinopyroxene, orthopyroxene and amphibole, commonly with interstitial melt. In Martinique, the sequence of crystallisation varies in sample type and differs from other islands of the Lesser Antilles arc. The compositional offset between plagioclase (~An90) and olivine (~Fo75), suggests crystallisation under high water contents and low pressures from an already fractionated liquid. Texturally, amphibole is either equant (crystallising early in the sequence) or interstitial (crystallising late). Interstitial amphibole is enriched in Ba and LREE compared with early crystallised amphibole and does not follow typical fractionation trends. Modelling of melt compositions indicates that a water-rich, plagioclase-undersaturated reactive melt or fluid percolated through a crystal mush, accompanied by the breakdown of clinopyroxene, and the crystallisation of amphibole. Geothermobarometry estimates and comparisons with experimental studies imply the majority of xenoliths formed in the mid-crust. Martinique cumulate xenoliths are

  3. 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.

  4. 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...

  5. 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.

  6. Experimental Evidence for Polybaric Intracrustal Differentiation of Primitive Arc Basalt beneath St. Vincent, Lesser Antilles

    Science.gov (United States)

    Blundy, Jon; Melekhova, Lena; Robertson, Richard

    2014-05-01

    We present experimental phase equilibria for a primitive, high-Mg basalt from St. Vincent, Lesser Antilles. Experimental details were presented in Melekhova et al (Nature Geosci, 2013); the objective here is to compare experimental phase compositions to those of erupted lavas and cumulates from St. Vincent. Starting material with 4.5 wt% H2O is multiply-saturated with a lherzolite assemblage at 1.3 GPa and 1180 ° C, consistent with mantle wedge derivation. Experimental glasses from our study, in addition to those of Pichavant et al (GCA, 2002) and Pichavant & Macdonald (CMP 2007) on a similar high-Mg basalt, encompass a compositional range from high-magnesian basalt to dacite, with a systematic dependence on H2O content, temperature and pressure. We are able to match the glasses from individual experiments to different lava types, so as to constrain the differentiation depths at which these magmas could be generated from a high-Mg parent, as follows: Composition wt% H2OP (GPa) T (° C) High-Mg basalt 3.9-4.8 1.45-1.751180-1200 Low-Mg basalt 2.3-4.5 1.0-1.3 1065-1150 High alumina basalt 3.0-4.5 0.4 1050-1080 Basaltic andesite 0.6-4.5 0.7-1.0 1050-1130 Andesite 0.6 1.0 1060-1080 The fact that St. Vincent andesites (and some basaltic andesites) appear to derive from a low-H2O (0.6 wt%) parent suggest that they are products of partial melting of older, high-Mg gabbroic rocks, as 0.6 wt% H2O is approximately the amount that can be stored in amphibole-bearing gabbros. The higher H2O contents of parents for the other lava compositions is consistent with derivation by crystallization of basalts with H2O contents that accord with those of olivine-hosted melt inclusions from St. Vincent (Bouvier et al, J Petrol, 2008). The generation of evolved melts both by basalt crystallization and gabbro melting is consistent with the hot zone concept of Annen et al (J Petrol, 2006) wherein repeated intrusion of mantle-derived basalt simultaneously crystallize by cooling and melt

  7. 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

  8. 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...

  9. 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...

  10. 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...

  11. 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.

  12. 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...

  13. Record of Plio-Pleistocene extreme event in the Lesser Antilles fore-arc basin. Example of Grande-Terre (Guadeloupe, French West Indies).

    Science.gov (United States)

    Jeanlèn, L.; Philippon, M. M.; Randrianasolo, A.; Jean-Frederic, L.; Cornée, J. J.; Münch, P.

    2015-12-01

    Guadeloupe archipelago is part of the Lesser Antilles active volcanic arc and is therefore subjected to both enhanced seismic and volcanic activity related to the Lesser Antilles subduction zone, along which the Atlantic plate is subducted westward bellow the Caribbean plate. The volcanic arc is composed of several immerged volcanic islands (St Kitts, Nevis Montserrat, Basse Terre, Dominica, Martinique, St Lucia, Grenada) and submerged volcanoes (Kick em'Jenny). These volcanoes are known to be explosives and when they are entering in an eruptive cycle, debris flow could potentially initiate a tsunami and generate peculiar deposits within the sedimentary record recognized as tsunami deposits (or tsunamite). Subduction- related earthquakes might also initiate slope instabilities and trigger debris flow. Another controlling factor of slope (in-)-stabilities and debris flow is massive rainfalls. During cyclonic season (June to December), massive rainfalls are recorded in the area, which moreover is located on the trajectory of Atlantic Hurricanes that are responsible for numerous landslides. As a consequence, tsunami deposit are described and well studied in the Lesser Antilles arc as the islands shoreline and coastal plain are perpetually re-shaped by hurricanes responsible for tempestite deposits. However, the report of these deposit concern recent to actual events, for example present-day deposits consisting of large (metric) boulders, more or less aligned, located in the supralittoral fringe can be observed along Guadeloupe shore. In this study, we investigate the Plio-pleistocene sedimentary sequence of Grande Terre carbonate platform (Guadeloupe), and track the presence of such extreme-event related deposits and discuss our findings in the frame of the Lesser Antilles geological context.

  14. Genetic evidence of hybridization between the endangered native species Iguana delicatissima and the invasive Iguana iguana (Reptilia, Iguanidae) in the Lesser Antilles: management Implications

    OpenAIRE

    Barbara Vuillaume; Victorien Valette; Olivier Lepais; Frédéric Grandjean; Michel Breuil

    2015-01-01

    The worldwide increase of hybridization in different groups is thought to have become more important with the loss of isolating barriers and the introduction of invasive species. This phenomenon could result in the extinction of endemic species. This study aims at investigating the hybridization dynamics between the endemic and threatened Lesser Antillean iguana (Iguana delicatissima) and the invasive common green iguana (Iguana iguana) in the Lesser Antilles, as well as assessing the impact ...

  15. 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.

  16. 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.

  17. 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

  18. Essays in empirical banking

    NARCIS (Netherlands)

    Bai, Y.

    2015-01-01

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

  19. 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

  20. 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

  1. 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

  2. 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

  3. Netherlands Subsidy State; Nederland Subsidiestaat

    Energy Technology Data Exchange (ETDEWEB)

    Reinhoudt, J.R.; Heemeijer, P.

    2004-09-01

    For each ministry in the Netherlands ten of the largest subsidies were analyzed by means of four criteria. Based on the results of the analysis recommendations are formulated to abolish a large number of subsidies. [Dutch] Deze brochure biedt een analyse van de tien grootste subsidies per ministerie. De ministeries van Binnenlandse Zaken, Financien en Defensie zijn, om praktische redenen, samengevoegd. Gezamenlijk beslaan de tien grootste subsidieregelingen van alle ministeries ruim 19 miljard euro. De in totaal 100 subsidieregelingen zijn getoetst aan vier criteria, en op basis van deze toetsing zijn aanbevelingen gedaan. De Edmund Burke Stichting stelt voor om bijna viervijfde (78 procent) van de ruim 19 miljard euro aan onderzochte subsidies af te schaffen. Deze besparing komt jaarlijks neer op ruim 15 miljard euro. De afschaffing van de huursubsidie en de studiefinanciering, als ook de afschaffing van subsidies aan bedrijven, dragen bij tot deze grote besparing.

  4. Surgical training in the Netherlands.

    Science.gov (United States)

    Borel-Rinkes, Inne H M; Gouma, Dirk J; Hamming, Jaap F

    2008-10-01

    Surgical training in the Netherlands has traditionally been characterized by learning on the job under the classic master-trainee doctrine. Over the past decades, it has become regionally organized with intensive structural training courses, and a peer-based quality control system. Recently, the nationwide programme has been modernized further and now involves a systematic, competency-based education with structural training courses, formalized assessment and room for reflection by residents under the supervision of surgical teaching groups. To this end, a uniform web-based digital portfolio is being introduced to facilitate monitoring of the individual resident's progress. Though requiring inspirational leadership, commitment, and determination, this modernization has sparked enthusiasm among trainees and teachers.

  5. 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.

  6. 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.

  7. Acceptance of homosexuality in the Netherlands

    OpenAIRE

    Lisette Kuyper; Floor Bakker

    2006-01-01

    Original title: De houding ten opzichte van homoseksualiteit. To date, relatively little systematic research has been carried out on public attitudes to homosexual men and women in the Netherlands - far less than in the United States, for example. SCP has recently carried out a large-scale survey of the attitudes of the Dutch public to homosexuality; this was published earlier this year under the title Just doing what comes naturally. Acceptance of homosexuality in the Netherlands (Gewoon doe...

  8. INLAND DUNE VEGETATION OF THE NETHERLANDS

    Directory of Open Access Journals (Sweden)

    R. HAVEMAN

    2003-01-01

    Full Text Available Drifting sands in the Netherlands are the result of human over-exploitation (sod-cutting, over-grazing of woodlands and heathlands. The most important association of inland sand dune areas is the Spergulo-Corynephoretum (Corynephorion canescentis, which is poor in vascular plants, but in it older stager rich in mosses and especially lichens. In the Netherlands, the area of drifting sand is reduced dramatically in the last 70 years. mainly by afforestation and spontaneous succession.

  9. Agricultural marketing in Belgium and The Netherlands

    OpenAIRE

    M.T.G. Meulenberg; Viaene, J.

    1993-01-01

    Agriculture in Belgium and the Netherlands has a strong export tradition and has been market oriented for a long time. In this article agricultural markeling in Belgium and the Netherlands is analyzed on the basis of the concepts structure, conduct and performance. In our review of market structure attention is paid to the structure of agriculture, the food consumer, food retailing, government policies, competition and marketing channels. Afterwards market conduct with respect to product, pri...

  10. 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) ...

  11. Investment in sustainable electricity production by Dutch banks. A case study for the Fair Bank Guide; Investeringen in duurzame elektriciteitsopwekking door Nederlandse banken. Een onderzoeksrapport voor de Eerlijke Bankwijzer

    Energy Technology Data Exchange (ETDEWEB)

    Van Gelder, J.W.; Kouwenhoven, D.

    2010-05-15

    This report contains the results of the second case study commissioned by the Fair Bank Guide on the financing practices of twelve investigated banks in the Netherlands. It has been examined which part of the investments in electricity generation by Dutch banks involves electricity generation from sustainable sources (sustainable electricity generation) [Dutch] Dit rapport bevat de resultaten van het tweede onderzoek in opdracht van de Eerlijke Bankwijzer naar de financieringspraktijk van twaalf onderzochte banken in Nederland. Hiermee is in kaart gebracht welk deel van de investeringen in elektriciteitsopwekking door de Nederlandse banken, betrekking heeft op elektriciteitsopwekking met behulp van duurzame energiebronnen ('duurzame elektriciteitsopwekking')

  12. 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

  13. 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.

  14. 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...

  15. 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.

  16. Transactional sex among men who have sex with men in the French Antilles and French Guiana: frequency and associated factors.

    Science.gov (United States)

    Klingelschmidt, Justine; Parriault, Marie-Claire; Van Melle, Astrid; Basurko, Célia; Gontier, Barbara; Cabié, André; Hoen, Bruno; Sow, Marie-Thérèse; Nacher, Mathieu

    2017-06-01

    The French Antilles (Martinique, Saint Martin and Guadeloupe) and French Guiana are the French territories most affected by the HIV epidemic. Some population groups such as men who have sex with men (MSM), especially those involved in transactional sex, are thought to be particularly vulnerable to HIV but few data exist to help characterize their health-related needs and thus implement relevant prevention interventions. To fill this knowledge gap, we used data collected from an HIV/AIDS Knowledge, Attitudes, Behaviours and Practices survey conducted in 2012 among MSM living in the French Antilles and French Guiana and recruited through snowball sampling. Our objectives were to compare social and demographic characteristics and sexual behaviours between MSM engaging in transactional sex and MSM not engaging in transactional sex and to identify factors associated with transactional sex involvement using a logistic regression model. A total of 733 MSM were interviewed, 21% of whom reported to undergo transactional sex. Their behaviour and social and demographic characteristics were different from other MSMs' and they were more exposed to factors that are recognized to potentiate HIV vulnerability, at the individual, community, network and structural levels. The variables positively associated with sex trade involvement were having ever consumed drug (OR = 2.84 [1.23-6.52]; p = .002), having a greater number of sex partners than the median (OR = 8.31 [4.84-14.30]; p < .001), having experienced intimate partner violence (OR = 1.72 [0.99-3.00]; p = .053) and having undergone physical aggression because of sexual orientation (OR = 2.84 [1.23-6.52]; p = .014). Variables negatively associated with sex trade involvement were being older (OR = 0.93 [0.90-0.97] per year; p = .001), having a stable administrative situation (OR = 0.10 [0.06-0.19]; p < .001), having a stable housing (OR = 0.29 [0.15-0.55]; p < .001) and

  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. Database on wind characteristics. Contents of database bank

    DEFF Research Database (Denmark)

    Larsen, Gunner Chr.; Hansen, K.S.

    2001-01-01

    The main objective of IEA R&D Wind Annex XVII - Database on Wind Characteristics - is to provide wind energy planners and designers, as well as the international wind engineering community in general, with easy access to quality controlled measured windfield time series observed in a wide range...... of environments. The project partners are Sweden, Norway, U.S.A., The Netherlands, Japan and Denmark, with Denmark as the Operating Agent. The reporting of IEA R&D Annex XVII falls in three separate parts. Partone deals with the overall structure and philosophy behind the database, part two accounts in details...... for the available data in the established database bank and part three is the Users Manual describing the various ways to access and analyse the data. The present report constitutes the second part of the Annex XVII reporting. Basically, the database bank contains three categories of data, i.e. i) high sampled wind...

  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. Plasma medicine in the Netherlands

    Science.gov (United States)

    Kroesen, Gerrit

    2012-10-01

    Eindhoven, the Netherlands was one of the locations were Plasma Medicine originated: Eva Stoffels was one of the founders of the field. Since then, the attention for the field steadily increased. Nowadays, strong collaborations exist between the Eindhoven University of Technology (TU/e) and the Red Cross Burn Wound Hospital in Beverwijk, the Amsterdam Medical Center, the Maxima Medical Center in Eindhoven, the Radboud University in Nijmegen, the Free University in Amsterdam, and also companies, both large industries (Philips) and SME's (Vabrema, Lavoisier, Plastech). At TU/e we focus on the plasma itself: developing real time non-invasive diagnostics like TALIF, LIF, IF absorption, Thomson, Rayleigh and Raman scattering, mass spectroscopy, etc, while at the same time developing numerical models on the MD2D platform. For the biology, microbiology and medical aspects we rely on our colleagues who have specialized in those areas. Lesions that are studied are burn wounds, permanent inflammations, diabetic feet, skin infections, and internal diseases like Crohn's disease.

  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. Remote sensing observations of the coherent and non-coherent ring structures in the vicinity of Lesser Antilles

    Directory of Open Access Journals (Sweden)

    R. C. Cruz Gómez

    2007-03-01

    Full Text Available The North Brazil Current Rings (NBCR penetration into the Caribbean Sea is being investigated by employing a merged altimeter-derived sea height anomaly (TOPEX/Poseidon, Jason-1 and ERS-1, 2, the ocean surface color data (SeaWiFS and Global Drifter Program information. Four strategies are being applied to process the data: (1 calculations of the Okubo-Weiss parameter for NBCR identification, (2 longitude-time plots (also known as Hovmöller diagrams, (3 two-dimensional Radon transforms and (4 two-dimensional Fourier transforms.

    A twofold NBCR structure has been detected in the region under investigation. The results have shown that NBC rings mainly propagate into the Caribbean Sea along two principal pathways (near 12° N and 17° N in the ring translation corridor. Thus, rings following the southern pathway in the fall-winter period can enter through very shallow southern straits as non-coherent structures. A different behavior is observed near the northern pathway (~17° N, where NBC rings are thought to have a coherent structure during their squeezing into the eastern Caribbean, i.e. conserving the principal characteristics of the incident rings. We attribute this difference in the rings' behavior to the vertical scales of the rings and to the bottom topography features in the vicinity of the Lesser Antilles.

  9. Preparedness actions towards seismic risk mitigation for the general public in Martinique, French Lesser Antilles: a mid-term appraisal

    Directory of Open Access Journals (Sweden)

    J. C. Audru

    2013-08-01

    Full Text Available Martinique is a French island in the Lesser Antilles, with a high seismic hazard. In 2006, Martinican stakeholders involved in seismic safety formed the "Réplik" working group ("Aftershock" in French, the first of its kind in this region. This paper addresses a mid-term appraisal of the first seismic awareness campaign organised by Réplik from 2006 to 2011, and how it has modified, or not, local earthquake and tsunami preparedness. Despite efforts from Réplik to assess its efficiency through surveys, a growing gap is noted between the observed awareness and the actual preparedness of the public. As usual, gender, age, educational level, then boredom and saturation contribute to this discrepancy; strong cultural items may also influence the perception of actions. To remain efficient and respond to the public's expectations, Réplik must redirect its actions towards a cultural congruence of information: consideration of religion and local beliefs, comprehensive messages on TV and radio, use of the Creole language, participatory experiences and drills, and a little science. With this, the Réplik stakeholders can hope to increase Martinicans' involvement into the preparedness process, to cope quickly with a strong earthquake and this know-how can be shared with other seismically active islands in the Caribbean.

  10. Invertebrate distribution patterns and river typology for the implementation of the water framework directive in Martinique, French Lesser Antilles

    Directory of Open Access Journals (Sweden)

    Bernadet C.

    2013-03-01

    Full Text Available Over the past decade, Europe’s Water Framework Directive provided compelling reasons for developing tools for the biological assessment of freshwater ecosystem health in member States. Yet, the lack of published study for Europe’s overseas regions reflects minimal knowledge of the distribution patterns of aquatic species in Community’s outermost areas. Benthic invertebrates (84 taxa and land-cover, physical habitat and water chemistry descriptors (26 variables were recorded at fifty-one stations in Martinique, French Lesser Antilles. Canonical Correspondence Analysis and Ward’s algorithm were used to bring out patterns in community structure in relation to environmental conditions, and variation partitioning was used to specify the influence of geomorphology and anthropogenic disturbance on invertebrate communities. Species richness decreased from headwater to lowland streams, and species composition changed from northern to southern areas. The proportion of variation explained by geomorphological variables was globally higher than that explained by anthropogenic variables. Geomorphology and land cover played key roles in delineating ecological sub-regions for the freshwater biota. Despite this and the small surface area of Martinique (1080 km2, invertebrate communities showed a clear spatial turnover in composition and biological traits (e.g., insects, crustaceans and molluscs in relation to natural conditions.

  11. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

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

  12. 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.

  13. Euthanasia in Belgium, the Netherlands and Luxembourg.

    Science.gov (United States)

    2013-11-01

    Each of the Benelux countries (Belgium, Luxembourg, Netherlands) has enacted legislation that partially decriminalises euthanasia, defined as an act that intentionally terminates someone's life at their request. In the Netherlands and Luxembourg, but not in Belgium, the legislation partially decriminalised assisted suicide at the same time. In all three countries, euthanasia can only be performed by a doctor, in response to the patient's voluntary and well-considered request, and for patients who have an incurable disease that causes unbearable suffering, without any prospect of relief. In the Netherlands, minors can request euthanasia as of the age of 12 years. In 2011, reported euthanasia accounted for about 1% of deaths in Belgium and 3% in the Netherlands. In 75% of cases, cancer was the disease leading to a request for euthanasia. In the Netherlands, the number of cases of euthanasia reported by doctors in surveys matches the number that is officially declared. In Belgium, it is thought that there are as many unreported as reported cases of euthanasia. Since the enactment of euthanasia legislation, fewer deaths involve the intentional administration of lethal drugs without an explicit request from the patient.

  14. Missing in action: inclusion and exclusion in the first days of AIDS in The Netherlands.

    Science.gov (United States)

    Dijstelbloem, Huub

    2014-11-01

    Approaches combining social and political theory with ontology have rarely been utilised in the evaluation of decision-making processes. Drawing on such an approach clarifies the questions that still need to be asked about the policy response to HIV/AIDS in The Netherlands in the early 1980s. The initial response in The Netherlands is internationally regarded as an example of successful cooperation between public authorities, health organisations, blood banks and the gay movement. In comparison with other countries, deeply dividing social conflicts as well as dramatic medical disasters were avoided. This image, however, is misleading. Although it was on a smaller scale than the disasters with contaminated blood products in other countries, The Netherlands had their blood scandal too. A reconstruction of this episode offers the opportunity to evaluate the role objects are granted in theories of institutionalisation and to critically examine the procedural notion of politics in actor network theory. The aim of the article is to show that analyses of decision-making processes under conditions of uncertainty ought to engage more carefully with processes of exclusion and the transformative role of objects.

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

    Directory of Open Access Journals (Sweden)

    Aditya Wardhana

    2015-09-01

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

  16. 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.

  17. Strategic Plan for Astronomy in the Netherlands 2011-2020

    OpenAIRE

    Groot, P. J. (Paul J.); Kuijken, K.; Stark, R.

    2012-01-01

    Strategic Plan for Astronomy in the Netherlands 2011 - 2020, written by the Netherlands Committee for Astronomy (NCA), on behalf of the excellence research school in astronomy NOVA, (combining the university astronomy institutes of the universities of Amsterdam, Groningen, Leiden and Nijmegen), the NWO division of Physical Sciences, the Netherlands Institute for Radio Astronomy ASTRON and the Netherlands Institute for Space Research SRON. The Strategic plan outlines the scientific priorities ...

  18. 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.

  19. ESTIMATE MEDICAL SERVICES IN THE NETHERLANDS

    Directory of Open Access Journals (Sweden)

    Norina-Consuela FORNA

    2015-12-01

    Full Text Available One of the many great things about living in the Netherlands is the excellent standard of Dutch healthcare, rated as the best in Europe. The Netherlands tops the list of 34 nations in the 2012 Euro Health Consumer Index (the ‘industry standard’ of modern healthcare and spends 11.9 percent of GDP on health, being the second only after the United States. Plus, almost all the doctors speak excellent English, making healthcare in the Netherlands very accessible to expats. The purpose of the research is to investigate the health sector in the Netherlands and to connect it to the European systems and global requirements. Methods. Conducted research was focused on analysis, comparison, deduction or induction methods. Medicine in the Netherlands is taught differently than in Europe, both in terms of the approach to the subject and timeline to qualification. A visitor to the Netherlands faces no special health risks, as the overall health conditions are excellent. No special inoculations are required. Any necessary immunization is available locally. Although Dutch law is strict about commercial processing, cooking, handling, and serving of foods, consumers are advised to show caution when using eggs and preparing poultry, as salmonella bacteria has been found in these products. Tap water is of excellent quality and safe to drink. Dutch medical care is of high quality and is comparable to the medical care one finds throughout Western Europe. Diagnostic laboratories and specialists in all fields of medicine are available. Hospitals are well-equipped, and maternity hospitals and many clinics are available. Most doctors and dentists speak English. Most medicines are available locally. They may not, however, be the same brand names as those used in the United States and prices are generally higher. Tourists should bring a supply of the medicine that they know they will need whilst abroad and provide proper documentation.

  20. 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.

  1. 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.

  2. 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...

  3. De la production fruitière intégrée à la gestion écologique des vergers aux Antilles

    OpenAIRE

    Lavigne, Claire; Lesueur-Jannoyer, M.; Lacroix, S.; Chauvet, G.; Lavigne, A.; Dufeal, D.

    2011-01-01

    La forte anthropisation aux Antilles françaises, la pression des monocultures de banane et de canne à sucre, et l’usage immodéré de pesticides, ont abouti à la pollution persistante d’une partie importante des sols de la SAU ainsi que des eaux de rivière et des nappes phréatiques. Si, dans les dix dernières années, la recherche de moyens de lutte biologique contre les insectes a été prioritaire, la lutte contre les adventices continue d’être un problème central pour les arboriculteurs qui ne ...

  4. 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.

  5. 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...

  6. 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.

  7. 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.

  8. Observed and estimated economic losses in Guadeloupe (French Antilles) after Les Saintes Earthquake (2004). Application to risk comparison

    Science.gov (United States)

    Monfort, Daniel; Reveillère, Arnaud; Lecacheux, Sophie; Muller, Héloise; Grisanti, Ludovic; Baills, Audrey; Bertil, Didier; Sedan, Olivier; Tinard, Pierre

    2013-04-01

    The main objective of this work is to compare the potential direct economic losses between two different hazards in Guadeloupe (French Antilles), earthquakes and storm surges, for different return periods. In order to validate some hypotheses which are done concerning building typologies and their insured values a comparison between real economic loss data and estimated ones is done using a real event. In 2004 there was an earthquake in Guadeloupe, Mw 6.3, in a little archipelago in the south of Guadeloupe called Les Saintes. The heaviest intensities were VIII in the municipalities of Les Saintes and decreases from VII to IV in the other municipalities of Guadeloupe. The CCR, French Reinsurance Organism, has provided data about the total insured economic losses estimated per municipality (in a situation in 2011) and the insurance penetration ratio, it means, the ratio of insured exposed elements per municipality. Some other information about observed damaged structures is quite irregular all over the archipelago, being the only reliable one the observed macroseismic intensity per municipality (field survey done by BCSF). These data at Guadeloupe's scale has been compared with results coming from a retro damage scenario for this earthquake done with the vulnerability data from current buildings and their mean economic value of each building type and taking into account the local amplification effects on the earthquake propagation. In general the results are quite similar but with some significant differences. The results coming from scenario are quite correlated with the spatial attenuation from the earthquake intensity; the heaviest economic losses are concentrated within the municipalities exposed to a considerable and damageable intensity (VII to VIII). On the other side, CCR data show that heavy economic damages are not only located in the most impacted cities but also in the most important municipalities of the archipelago in terms of economic activity

  9. 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...

  10. 2003-2004 Campaign GPS Geodetic Monitoring of Surface Deformation Proximal to Volcanic Centers, Commonwealth of Dominica, Lesser Antilles.

    Science.gov (United States)

    Davidson, R. T.; Turner, H. L.; Blessing, B. C.; Parra, J.; Fitzgibbon, K.; Jansma, P.; Mattioli, G.

    2004-12-01

    The Commonwealth of Dominica, located midway along the Lesser Antilles island arc, is home to several (at least eight) potentially active volcanic centers. Spurred by recent seismic crises on the island - in the south from 1998-2000 and in the north in 2003 - twelve GPS monuments were installed in two field campaigns in 2001 and 2003. All twelve sites, along with five of six newly installed sites, were occupied continuously for ~2.5 or more UTC days in 2004 using Ashtech Z-12 dual-frequency, code-phase receivers and choke ring antenna to assess the highly complex and possibly interconnected volcanic systems of Dominica. We examine data from the 2003-2004 epochs because of the highly variable, shallow seismicity preceding this period. This way one can potentially isolate the changes that occurred without the data from previous observations influencing the results. Although only two epochs have been included, data quality and reliability can be established from sites distant from volcanic centers, as such sites show consistent velocities from all three epochs of observation over the 2001-2004 period. Between 2003 and 2004, multiple sites show velocities that are inconsistent with a simple tectonic interpretation of elastic strain accumulation along the plate interface. Sites located in the vicinity of the volcanic centers in the south central part of the island are moving faster than the 3 epoch 2001-2004 average of the velocities, which is approximately 7mm/year. The four sites at which greater movement has been noted have velocities ranging from approximately 10 to 27 mm/year. We note that the largest surface deformation signal is seen in the south during the same period when the shallow seismicity was at a maximum in the north of the island. While the spatial distribution of sites remains sparse and the velocities relatively imprecise, the preliminary results may indicate shallow magmatic emplacement, geothermal fluctuations, or structural instability in that part

  11. Application of the probabilistic model BET_UNREST during a volcanic unrest simulation exercise in Dominica, Lesser Antilles

    Science.gov (United States)

    Constantinescu, Robert; Robertson, Richard; Lindsay, Jan M.; Tonini, Roberto; Sandri, Laura; Rouwet, Dmitri; Smith, Patrick; Stewart, Roderick

    2016-11-01

    We report on the first "real-time" application of the BET_UNREST (Bayesian Event Tree for Volcanic Unrest) probabilistic model, during a VUELCO Simulation Exercise carried out on the island of Dominica, Lesser Antilles, in May 2015. Dominica has a concentration of nine potentially active volcanic centers and frequent volcanic earthquake swarms at shallow depths, intense geothermal activity, and recent phreatic explosions (1997) indicate the region is still active. The exercise scenario was developed in secret by a team of scientists from The University of the West Indies (Trinidad and Tobago) and University of Auckland (New Zealand). The simulated unrest activity was provided to the exercise's Scientific Team in three "phases" through exercise injects comprising processed monitoring data. We applied the newly created BET_UNREST model through its software implementation PyBetUnrest, to estimate the probabilities of having (i) unrest of (ii) magmatic, hydrothermal or tectonic origin, which may or may not lead to (iii) an eruption. The probabilities obtained for each simulated phase raised controversy and intense deliberations among the members of the Scientific Team. The results were often considered to be "too high" and were not included in any of the reports presented to ODM (Office for Disaster Management) revealing interesting crisis communication challenges. We concluded that the PyBetUnrest application itself was successful and brought the tool one step closer to a full implementation. However, as with any newly proposed method, it needs more testing, and in order to be able to use it in the future, we make a series of recommendations for future applications.

  12. Large-scale flank collapse events during the activity of Montagne Pelée, Martinique, Lesser Antilles

    Science.gov (United States)

    Le Friant, Anne; Boudon, Georges; Deplus, Christine; Villemant, Benoã®T.

    2003-01-01

    A horseshoe-shaped structure already identified on the southwestern flank of Montagne Pelée (Martinique, Lesser Antilles arc) was previously interpreted as resulting of a flank collapse event, but no debris avalanche deposits were observed at the time. New offshore high-resolution bathymetry and geophysical data (Aguadomar cruise; December 1998 to January 1999; R/V L'Atalante) lead us to identify three debris avalanche deposits on the submarine western flank of Montagne Pelée extending down to the Grenada Basin. They display morphological fronts and hummocky morphology on bathymetric data, speckled pattern on backscatter data and hyperbolic facies on 3.5 kHz and seismic profiles. New on-land geological studies lead us to identify two other horseshoe-shaped structures on the same flank of the volcano. The three submarine deposits have been traced back to the structures identified on land, which confirms the occurrence of repeated flank collapse events during the evolution of Montagne Pelée. The ages of the last two events are estimated at ˜9 ka and ˜25 ka on the basis of 14C and 238U/230Th dates. Every flank collapse produced debris avalanches which flowed down to the Caribbean Sea. We propose that the repeated instabilities are due to the large asymmetry of the island with western aerial and submarine slopes steeper than the eastern slopes. The asymmetry results from progressive loading by accumulation of volcanic products on the western slopes of the volcano and development of long-term gravitational instabilities. Meteoric and hydrothermal fluid circulation on the floor of the second flank collapse structure also creates a weakened hydrothermalized area, which favors the recurrence of flank collapses.

  13. Role of large flank-collapse events on magma evolution of volcanoes. Insights from the Lesser Antilles Arc

    Science.gov (United States)

    Boudon, Georges; Villemant, Benoît; Friant, Anne Le; Paterne, Martine; Cortijo, Elsa

    2013-08-01

    Flank-collapse events are now recognized as common processes of destruction of volcanoes. They may occur several times on a volcanic edifice pulling out varying volumes of material from km3 to thousands of km3. In the Lesser Antilles Arc, a large number of flank-collapse events were identified. Here, we show that some of the largest events are correlated to significant variations in erupted magma compositions and eruptive styles. On Montagne Pelée (Martinique), magma production rate has been sustained during several thousand years following a 32 ka old flank-collapse event. Basic and dense magmas were emitted through open-vent eruptions that generated abundant scoria flows while significantly more acidic magmas were produced before the flank collapse. The rapid building of a new cone increased the load on magma bodies at depth and the density threshold. Magma production rate decreased and composition of the erupted products changed to more acidic compared to the preceding period of activity. These low density magma generated plinian and dome-forming eruptions up to the Present. In contrast at Soufrière Volcanic Centre of St. Lucia and at Pitons du Carbet in Martinique, the flank-collapses have an opposite effect: in both cases, the acidic magmas erupted immediately after the flank-collapses. These magmas are highly porphyritic (up to 60% phenocrysts) and much more viscous than the magmas erupted before the flank-collapses. They have been generally emplaced as voluminous and uptight lava domes (called “the Pitons”). Such magmas could not ascent without a significant decrease of the threshold effect produced by the volcanic edifice loading before the flank-collapse.

  14. 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.

  15. 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...

  16. 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...

  17. 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.

  18. 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

  19. 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…

  20. 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...

  1. 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…

  2. 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…

  3. 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.

  4. 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.

  5. Restructuring Environmental Legislation in the Netherlands

    NARCIS (Netherlands)

    Verschuuren, J.M.

    2004-01-01

    In 2002, the newly elected Cabinet in the Netherlands decided to act upon a growing number of complaints from businesses that government legis-lation is the cause of heavy administrative burdens for companies. According to businesses, this has a negative impact on the economy. The Cabinet promised t

  6. Simulating the Aging of the Netherlands.

    Science.gov (United States)

    Becker, Henk A.

    1988-01-01

    Describes a project that simulated the impact of three scenarios on health care patterns and the health situation of elderly people in the Netherlands. The discussion covers the utilization of outcomes by policymakers and future applications of simulations by scenario projects. (41 notes with references) (CLB)

  7. Alternative sanctions for juveniles in the Netherlands

    NARCIS (Netherlands)

    Laan, P.H. van der

    1993-01-01

    In the Netherlands alternative sanctions for juveniles have become very popular. In less than ten years, the alternative sanction has surpassed the fine as the most frequently imposed penal sanction for juveniles. As a result of this popularity, some net widening has occured. In general, alternativl

  8. New risk assessment tools in the Netherlands

    NARCIS (Netherlands)

    Kraker, H. de; Douwes, M.

    2012-01-01

    In this paper an introduction to and description of the risk assessment tools that are freely available for companies in The Netherlands is given. It is explained in what way the tools can and should be used and how the level I checklist for physical load and the level II instruments are related. Th

  9. Ungulates and their management in the Netherlands

    NARCIS (Netherlands)

    Wieren, van S.E.; Groot Bruinderink, G.W.T.A.

    2010-01-01

    Eight species of ungulates in the wild or semi-wild state can be found in the Netherlands: red deer, roe deer, wild boar, fallow deer, muntjac, mouflon, cattele and horses. Except for roe deer, which has a country wide distribution, the greatest number of animals of the other species can be found in

  10. Fitkids Exercise Therapy Program in the Netherlands

    NARCIS (Netherlands)

    Kotte, Elles M. W.; Winkler, Alexander M. F.; Takken, Tim

    2013-01-01

    Purpose: To describe the demographics, medical diagnoses, and initial aerobic fitness levels of children participating in Fitkids: an exercise therapy program for children with chronic conditions or disabilities in the Netherlands. Methods: We reviewed data of children who were in the program on Sep

  11. Reinventing Crew Scheduling at Netherlands Railways

    NARCIS (Netherlands)

    M. Fischetti (Matteo); L.G. Kroon (Leo); G. Timmer (Gerrit); M.J.C.M. Vromans (Michiel); E.J.W. Abbink (Erwin)

    2004-01-01

    textabstractIn this paper we describe the successful application of a sophisticated Operations Research model and the corresponding solution techniques for scheduling the 6,500+ drivers and conductors of the Dutch railway operator NS Reizigers (Netherlands Railways). In 2001 the drivers and conducto

  12. The Netherlands Yearbook on International Cooperation 2008

    NARCIS (Netherlands)

    Hoebink, P.R.J.

    2009-01-01

    'The Netherlands Yearbook on International Cooperation 2008' is a second of the series yearbooks. The Yearbook has as objectives: to stimulate and feed the scientific and political debate on the Dutch international cooperation; to offer opportunities for publication for researchers in the field of i

  13. Social Housing in the Netherlands, Chapter 10

    NARCIS (Netherlands)

    Elsinga, M.; Wassenberg, F.

    2007-01-01

    Nowhere else in Europe does social housing dominate the housing market as it does in the Netherlands. Over one third of all households rent a social-sector dwelling. There are 2.4 million social rented dwellings, a number that has been stable during the last decade. Almost all social housing is owne

  14. The Netherlands Bird Avoidance Model, Final Report

    NARCIS (Netherlands)

    Shamoun-Baranes, J.; Bouten, W.; Sierdsema, H.; van Belle, J.; van Gasteren, J.R.; van Loon, E.E.

    2006-01-01

    The NL-BAM was developed as a web-based decision support tool to be used by the bird hazard avoidance experts in the ecology unit of the Royal Netherlands Air Force. The NL-BAM will be used together with the ROBIN 4 radar system to provide BirdTAMS, for real time warnings and flight planning and to

  15. Seatbelt research and legislation in The Netherlands.

    NARCIS (Netherlands)

    Kampen, L.T.B. van

    1985-01-01

    Research projects such as detailed accident studies and seatbelt surveys have been carried out by SWOV and the results reported to the government and used to develop seatbelt legislation in the Netherlands. The layout of current seatbelt legislation and the compliance details are discussed. Legislat

  16. Stimulating medical education research in the Netherlands

    NARCIS (Netherlands)

    Jaarsma, D.; Scherpbier, A.; Vleuten, C.P.M. van der; Cate, O.T.J. ten

    2013-01-01

    BACKGROUND: Since the 1970s, the Dutch have been active innovators and researchers in the medical education domain. With regards to the quantity of publications in the medical education literature, the Netherlands rank second among countries in Europe and fourth worldwide over the past years, relate

  17. The distribution of bats in The Netherlands

    NARCIS (Netherlands)

    Braaksma, S.

    1970-01-01

    The Research Institute for Nature Management (R.I.N.) has compiled all available information on the distribution of bats in the Netherlands up till 1968. The data were derived from literature and museum specimens, as well as from numerous unpublished observations. Around 1960 much was known already

  18. Lily breeding research in the Netherlands

    NARCIS (Netherlands)

    Tuyl, van J.M.; Holsteijn, van H.M.C.

    1996-01-01

    At the Centre for Plant Breeding and Reproduction Research (CPRO-DLO) in Wageningen lily breeding research in the Netherlands is concentrated. To this end sources of germplasm (genetic material) are maintained in a lily species and cultivar collection. Research is done on long term storage of this c

  19. Acceptance of homosexuality in the Netherlands

    NARCIS (Netherlands)

    Lisette Kuyper; Floor Bakker

    2006-01-01

    Original title: De houding ten opzichte van homoseksualiteit. To date, relatively little systematic research has been carried out on public attitudes to homosexual men and women in the Netherlands - far less than in the United States, for example. SCP has recently carried out a large-scale survey o

  20. Screening of nutritional status in The Netherlands

    NARCIS (Netherlands)

    Kruizenga, H.M.; Wierdsma, N.J.; Bokhorst, van M.A.E.; Schueren, van der D.E.; Hollander, H.J.; Jonkers-Schuitema, C.F.; Heijden, van der E.; Melis, G.C.; Staveren, van W.A.

    2003-01-01

    Background and Aims: In 2001, the Dutch Dietetic Association conducted a national screening on malnutrition. The goal of this screening was to determine the prevalence of disease-related malnutrition in The Netherlands in all fields of medical care and to investigate the involvement of the dietitian

  1. Horticultural Lighting in the Netherlands: New Developments

    NARCIS (Netherlands)

    Heuvelink, E.; Bakker, M.J.; Hogendonk, L.; Janse, J.; Kaarsemaker, R.C.; Maaswinkel, R.H.M.

    2006-01-01

    In the Netherlands about 2000 ha of glasshouses is equipped with supplementary assimilation light (SL), which is about 19% of the total glasshouse area. Besides increased production, SL results in improved product quality, a better control of yield and quality, possibilities for earlier or year-roun

  2. Review of Infrared Technology in the Netherlands

    NARCIS (Netherlands)

    Jong, A.N. de

    1993-01-01

    The use of infrared sensors in the Netherlands is substantial. Users can be found in a variety of disciplines, military as well as civil. This need for IR sensors implied a long history on IR technology and development. The result was a large technological-capability allowing the realization of IR h

  3. The nonprofit sector in the Netherlands

    NARCIS (Netherlands)

    Ary Burger; Paul Dekker

    2001-01-01

    This paper aims to provide an analytical description of the nonprofit sector in the Netherlands. We will review its historical and legal background, examine its treatment and definition, and chart the sector's contributions to the Dutch economy and society. This working paper is the first version o

  4. Landmine detection technology research in the Netherlands

    NARCIS (Netherlands)

    Schleijpen, H.M.A.

    2003-01-01

    This paper gives an overview of the activities on research and development in the technology area for landmine detection in the Netherlands. The main players, their projects and the long term and short term project goals are presented. The projects cover the range from military applications to human

  5. Public Administration Programmes in The Netherlands

    NARCIS (Netherlands)

    J.C.N. Raadschelders; F.K.M. van Nispen tot Pannerden (Frans)

    1999-01-01

    textabstractPublic administration in The Netherlands is generally approached as a multi-disciplinary field of inquiry, especially in the social sciences. Some schools attempt a more integrating approach preserving the integrity of Public Administration as an academic discipline. Its focus is on: 1.

  6. Occupational blood exposure accidents in the Netherlands.

    NARCIS (Netherlands)

    Wijk, P.T.L. van; Schneeberger, P.M.; Heimeriks, K.; Boland, G.J.; Karagiannis, I.; Geraedts, J.; Ruijs, W.L.M.

    2010-01-01

    BACKGROUND: To make proper evaluation of prevention policies possible, data on the incidence and associated medical costs of occupational blood exposure accidents in the Netherlands are needed. METHODS: Descriptive analysis of blood exposure accidents and risk estimates for occupational groups. Cost

  7. Experience of ASR in the Netherlands

    NARCIS (Netherlands)

    Nijland, T.G.; Larbi, J.A.; Siemes, A.J.M.

    2003-01-01

    An overview is given of experience of alkali-silica reaction, ASR, in the Netherlands, reflecting on concrete mixes and aggregates involved, and the assessment of ASR affected structures. Recently published guidelines to prevent concrete damage due to ASR are introduced. These rely on limiting the e

  8. The Netherlands : Old Emigrants - Young Immigrant Country

    NARCIS (Netherlands)

    van Ours, J.C.; Veenman, J.M.C.

    1999-01-01

    Since the mid 1960s the Netherlands has an immigration surplus, mainly because of manpower recruitment from Turkey and Morocco and because of immigration from the former Dutch colony of Surinam. Immigrant workers have a weak labour market position, which is mainly related to their educational level

  9. NVG training developments in The Netherlands

    NARCIS (Netherlands)

    Kooi, F.L.; Meeuwsen, T.; Graaff, M. de

    2007-01-01

    Night Vision Goggle (NVG) imagery differs from the naked-eye view which makes it difficult to interpret. For time critical tasks – like flying an airplane – training is an essential element to ensure safe operation. The Netherlands has been devoting effort to further enhance and streamline the NVG t

  10. Prevalence of Dupuytren Disease in The Netherlands

    NARCIS (Netherlands)

    Lanting, Rosanne; van den Heuvel, Edwin R; Westerink, Bram; Werker, Paul M N

    2013-01-01

    Background: Dupuytren disease is a fibroproliferative disease of palmar fascias of the hand. The prevalence of Dupuytren disease and the association with potential risk factors have been the subject of several studies, although there is a paucity of such data from The Netherlands. Methods: To study

  11. Christian Economic Thought in The Netherlands

    NARCIS (Netherlands)

    I.P. van Staveren (Irene)

    2007-01-01

    textabstractAbstract. This paper is not about Dutch Christian political economy. Instead, it focuses on some recent writings of Dutch Christian economists. The objective of the paper is to get an idea of how economic thought in the Netherlands – particularly about the market – is influenced by Chri

  12. Christian Economic Thought in The Netherlands

    NARCIS (Netherlands)

    Staveren, I.P. van

    2007-01-01

    The objective of this paper is to provide an insight into the ethics in the works of Christian economists in The Netherlands. The paper starts with a brief review of some key texts by Dutch Christian economists representing faith-based organizations. The next section presents a summary of (Dutch) Ch

  13. Chronic Q fever in The Netherlands

    NARCIS (Netherlands)

    Kampschreur, L.M.

    2013-01-01

    From 2007-2010, during the recent Q fever epidemic in the Netherlands, over 4000 cases of acute Q fever were registered, which is an underestimation of the total amount of Coxiella burnetii infections due to a high amount of asymptomatic primary infections. In the literature it is stated that 1-5% o

  14. Direct access : Lessons learnt from the Netherlands

    NARCIS (Netherlands)

    Northcott, A.; Brocklehurst, P.; Jerkovic-Cosic, K.; Reinders, J. J.; McDermott, I.; Tickle, M.

    2013-01-01

    Objective To use a qualitative approach to examine the perceptions of policy makers, general dental practitioners, dental hygienists, dental students and dental hygiene students in the Netherlands following the introduction of a direct access policy in 2006. Methods Semi-structured interviews and fo

  15. Gastroenteritis in sentinel general practices, the Netherlands.

    NARCIS (Netherlands)

    Wit, M.A.S. de; Koopmans, M.P.G.; Kortbeek, L.M.; Leeuwen, N.J. van; Bartelds, A.I.M.; Duynhoven, Y.T.H.P. van

    2001-01-01

    From 1996 to 1999, the incidence of gastroenteritis in general practices and the role of a broad range of pathogens in the Netherlands were studied. All patients with gastroenteritis who had visited a general practitioner were reported. All patients who had visited a general practitioner for gastroe

  16. The reception of relativity in the Netherlands

    NARCIS (Netherlands)

    J. van Besouw; J. van Dongen

    2013-01-01

    This article reviews the early academic and public reception of Albert Einstein's theory of relativity in the Netherlands, particularly after Arthur Eddington's eclipse experiments of 1919. Initially, not much attention was given to relativity, as it did not seem an improvement over Hendrik A. Loren

  17. Wildlife value orientations in the Netherlands

    NARCIS (Netherlands)

    Jacobs, M.H.

    2007-01-01

    Wildlife value orientations among inhabitants of the Netherlands were explored by conducting semi-structured interviews, and using predefined value orientations that were previously revealed in the United States. Special attention was paid to the existence of mutualism orientations, viewing wildlife

  18. Mapping groundwater quality in the Netherlands

    NARCIS (Netherlands)

    Pebesma, Edzer Jan

    2001-01-01

    Groundwater quality is the suitability of groundwater for a certain purpose (e.g. for human consumption), and is mostly determined by its chemical composition. Pollution from agricultural and industrial origin threatens the groundwater quality in the Netherlands. Locally, this pollution is me

  19. Shellfish reef restoration pilots: Voordelta The Netherlands

    NARCIS (Netherlands)

    Sas, H.; Kamermans, P.; Have, van der T.M.; Lengkeek, W.; Smaal, A.C.

    2016-01-01

    Once, shellfish reefs - mainly flat oysters - covered about 20% of the North Sea floor, but diseases, pollution and overfishing have led to a significant decline. As part of the Haringvliet Dream Fund Project (www.haringvliet.nu), ARK
    Nature and World Wildlife Fund Netherlands are working on she

  20. Ethnicity, schooling, and merit in the Netherlands

    NARCIS (Netherlands)

    Werfhorst, Herman G. van de; Tubergen, Frank van

    2007-01-01

    We examine to what extent ethnicity affects academic ability measured in the first year of secondary school and secondary school type in the Netherlands. We focus on second-generation immigrants. The empirical results indicate that academic ability (both in mathematics and language) is not affected

  1. Validation of the Netherlands pacemaker patient registry

    NARCIS (Netherlands)

    Dijk, WA; Kingma, T; Hooijschuur, CAM; Dassen, WRM; Hoorntje, JCA; van Gelder, LM

    1997-01-01

    This paper deals with the validation of the information stored in the Netherlands central pacemaker patient database. At this moment the registry database contains information on more than 70500 patients, 85000 pacemakers and 90000 leads. The validation procedures consisted of an internal consistenc

  2. 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...

  3. 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...

  4. 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...

  5. 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.

  6. 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 ...

  7. 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,...

  8. 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.

  9. 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

  10. 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

  11. 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.

  12. 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...

  13. 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.

  14. 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

  15. 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...

  16. 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)...

  17. 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.

  18. 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.

  19. 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.

  20. Inflation, unemployment and the position of the central bank: the opinion of the public

    Directory of Open Access Journals (Sweden)

    H. PRAST

    2013-10-01

    Full Text Available Recent theoretical developments in monetary policy are based on the view that the effectiveness of monetary policy is strongly influenced by the interaction between the behaviour of the monetary policy-makers and the private sector. Optimal monetary policy and the possible desirability of central bank independence are directly related to respective assumptions about the information and opinion of the private sector. These assumptions are tested in Italy and the Netherlands. Surveys conducted through telephone and face-to-face interviews show central bank independence and future inflation estimates that are higher among people with higher education and lower for those with lower education. Also revealed is a central bank that is more concerned with unemployment and a government that is concerned with inflation. The glaring result, however, is the public's lack of awareness about a trade-off between inflation and unemployment.

  1. 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

  2. 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...

  3. 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.

  4. 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?

  5. 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....

  6. 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....

  7. 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...

  8. 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.

  9. 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.

  10. Flank instability assessment at Kick-'em-Jenny submarine volcano (Grenada, Lesser Antilles): a multidisciplinary approach using experiments and modeling

    Science.gov (United States)

    Dondin, F. J.-Y.; Heap, M. J.; Robertson, R. E. A.; Dorville, J.-F. M.; Carey, S.

    2017-01-01

    Kick-'em-Jenny (KeJ)—located ca. 8 km north of the island of Grenada—is the only active submarine volcano of the Lesser Antilles Volcanic Arc. Previous investigations of KeJ revealed that it lies within a collapse scar inherited from a past flank instability episode. To assess the likelihood of future collapse, we employ here a combined laboratory and modeling approach. Lavas collected using a remotely operated vehicle (ROV) provided samples to perform the first rock physical property measurements for the materials comprising the KeJ edifice. Uniaxial and triaxial deformation experiments showed that the dominant failure mode within the edifice host rock is brittle. Edifice fractures (such as those at Champagne Vent) will therefore assist the outgassing of the nearby magma-filled conduit, favoring effusive behavior. These laboratory data were then used as input parameters in models of slope stability. First, relative slope stability analysis revealed that the SW to N sector of the volcano displays a deficit of mass/volume with respect to a volcanoid (ideal 3D surface). Slope stability analysis using a limit equilibrium method (LEM) showed that KeJ is currently stable, since all values of stability factor or factor of safety (Fs) are greater than unity. The lowest values of Fs were found for the SW-NW sector of the volcano (the sector displaying a mass/volume deficit). Although currently stable, KeJ may become unstable in the future. Instability (severe reductions in Fs) could result, for example, from overpressurization due to the growth of a cryptodome. Our modeling has shown that instability-induced flank collapse will most likely initiate from the SW-NW sector of KeJ, therefore mobilizing a volume of at least ca. 0.7 km3. The mobilization of ca. 0.7 km3 of material is certainly capable of generating a tsunami that poses a significant hazard to the southern islands of the West Indies.

  11. Cumulate xenoliths from St. Vincent, Lesser Antilles Island Arc: a window into upper crustal differentiation of mantle-derived basalts

    Science.gov (United States)

    Tollan, P. M. E.; Bindeman, I.; Blundy, J. D.

    2012-02-01

    In order to shed light on upper crustal differentiation of mantle-derived basaltic magmas in a subduction zone setting, we have determined the mineral chemistry and oxygen and hydrogen isotope composition of individual cumulus minerals in plutonic blocks from St. Vincent, Lesser Antilles. Plutonic rock types display great variation in mineralogy, from olivine-gabbros to troctolites and hornblendites, with a corresponding variety of cumulate textures. Mineral compositions differ from those in erupted basaltic lavas from St. Vincent and in published high-pressure (4-10 kb) experimental run products of a St. Vincent high-Mg basalt in having higher An plagioclase coexisting with lower Fo olivine. The oxygen isotope compositions (δ18O) of cumulus olivine (4.89-5.18‰), plagioclase (5.84-6.28‰), clinopyroxene (5.17-5.47‰) and hornblende (5.48-5.61‰) and hydrogen isotope composition of hornblende (δD = -35.5 to -49.9‰) are all consistent with closed system magmatic differentiation of a mantle-derived basaltic melt. We employed a number of modelling exercises to constrain the origin of the chemical and isotopic compositions reported. δ18OOlivine is up to 0.2‰ higher than modelled values for closed system fractional crystallisation of a primary melt. We attribute this to isotopic disequilibria between cumulus minerals crystallising at different temperatures, with equilibration retarded by slow oxygen diffusion in olivine during prolonged crustal storage. We used melt inclusion and plagioclase compositions to determine parental magmatic water contents (water saturated, 4.6 ± 0.5 wt% H2O) and crystallisation pressures (173 ± 50 MPa). Applying these values to previously reported basaltic and basaltic andesite lava compositions, we can reproduce the cumulus plagioclase and olivine compositions and their associated trend. We conclude that differentiation of primitive hydrous basalts on St. Vincent involves crystallisation of olivine and Cr-rich spinel at depth

  12. Erosive effects of the storms HELENA (1963) and HUGO (1989) on Basse-Terre island (Guadeloupe - Lesser Antilles Arc).

    Science.gov (United States)

    Le Bivic, Rejanne; Allemand, Pascal; Delacourt, Christophe; Quiquerez, Amélie

    2014-05-01

    Basse-Terre is a volcanic island which belongs to the archipelago of Guadeloupe located in the Lesser Antilles Arc (Caribbean Sea). As a mountainous region in the tropical belt, Basse-Terre is affected by intense sediment transport due to extreme meteorological events. During the last fifty years, eight major tropical storms and hurricanes with intense rainfalls induced landslides and scars in the weathered layers. The purpose of this study is to compare two major meteorological events within a period of 26 years (HELENA in 10/1963 and HUGO in 09/1989) in order to qualify the parameters responsible of the spatial distribution of landslides and scars. The storm HELENA affected Basse-Terre between the 23rd and the 25th of October, 1963. The maximal daily rainfall reached 300 mm in Baillif which is located on the leeward coast at the altitude of 650 m while the maximum wind velocity reached 50 km/h. A similar exceptional event happened when the hurricane HUGO slammed the island in September 17, 1989. The maximum daily rainfall recorded in Sainte-Rose (on the northern coast) was 250 mm while it reached 208 mm in Petit-Bourg and the maximum wind speed was 60 km/h. Aerial images were acquired by the IGN (French Geographical Institute) before and a few weeks after the extreme events: less than three months after the event HELENA and less than a month after the event HUGO. Those images have been orthorectified at a metric resolution and combined in a GIS with a 10 m resolution DEM. Scars and landslides were digitalized and their surface area and mean slope were measured for both HELENA and HUGO. This work confirms several results proposed by a previous study related to the HELENA event: (1) the landslides occurred mainly in the center of the island and (2) the slope is the main parameter for the initiation of landslides, since all of them occurred with a slope superior to 30°. Furthermore, the resiliency of the surface affected by the landslides induced by HELENA was

  13. Urban Scaling of Cities in the Netherlands

    CERN Document Server

    van Raan, Anthony F J; Goedhart, Willem

    2015-01-01

    We investigated the socioeconomic scaling behavior of cities in the Netherlands and found significant nonlinear correlations between gross urban product as well as number of jobs with population size. This nonlinearity manifested by a super-linear power law scaling is found for both the cities defined as municipalities and for the agglomerations of major cities. We used two types of agglomerations as defined by the Netherlands Central Bureau of Statistics: the direct agglomeration, i.e. the central city (municipality) with the adjacent suburbs (which are separate municipalities); and the larger urban area of the same major cities. The exponents are all similar, with values around 1.20. Remarkably, the agglomerations of cities underperform as compared to a city which is one municipality with the same population as the agglomeration. This effect is larger for the second type of agglomerations, the urban areas. We think this finding has important implications for the current Dutch urban policy. A residual analys...

  14. Horticultural Lighting in the Netherlands: New Developments

    OpenAIRE

    Heuvelink, E.; Bakker, M.J.; Hogendonk, L.; Janse, J.; Kaarsemaker, R.C.; Maaswinkel, R.H.M.

    2006-01-01

    In the Netherlands about 2000 ha of glasshouses is equipped with supplementary assimilation light (SL), which is about 19% of the total glasshouse area. Besides increased production, SL results in improved product quality, a better control of yield and quality, possibilities for earlier or year-round production and a more regular labor requirement. In this paper several recent experiments with different strategies of SL (33 up to 210 ¿mol m-2 s-1) for tomato, sweet pepper, cucumber and eggpla...

  15. [Use the Netherlands Triage Standard for children].

    Science.gov (United States)

    Drijver, C R Roeland

    2015-01-01

    Studies have shown that the reliability and validity of the Netherlands Triage Standard (NTS) is comparable to the Manchester Triage System. The NTS has good sensitivity and specificity in the emergency room. The Dutch Society of Emergency and Accident Nurses, the Dutch College of General Practitioners and Ambulancezorg Nederland use the NTS as the guideline for both physical and telephone triage in ambulance care, primary care and hospital care with the competence of the triage nurse in a pivotal role.

  16. NVG training developments in The Netherlands

    OpenAIRE

    Kooi, F.L.; Meeuwsen, T.; Van der Graaff, M.

    2007-01-01

    Night Vision Goggle (NVG) imagery differs from the naked-eye view which makes it difficult to interpret. For time critical tasks – like flying an airplane – training is an essential element to ensure safe operation. The Netherlands has been devoting effort to further enhance and streamline the NVG training. The primary effect of the impoverished nature of NVG imagery is to reduce visual performance. The secondary effect is to cause visual illusions: the viewer misinterprets the scene without ...

  17. Organising midwifery led care in The Netherlands.

    OpenAIRE

    Oppenheimer, C.

    1993-01-01

    The growing pressure for changes in the care available for pregnant women at low risk found a voice in the report on maternity services from the House of Commons Health Committee published in February 1992. The demand for greater autonomy and responsibility by midwives and the need to rationalise medical working practices in the light of changes in junior doctors' hours adds urgency to the need to find ways of instituting change while maintaining safety. A visit to the Netherlands allowed fir...

  18. 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.

  19. 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.

  20. 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 ...

  1. Emissions of Greenhouse gases in the Netherlands

    Energy Technology Data Exchange (ETDEWEB)

    Evers, C.W.A. [Ministry of Housing, The Hague (Netherlands). Inspectorate for Environmental Protection; Berdowski, J.J.M.; Pulles, T.P.J. [TNO Inst. for Environmental Sciences, Delft (Netherlands)

    1995-12-31

    The Dutch emission inventory system enables the registration, analysis and localization of emission data of both industrial and non-industrial sources in the Netherlands. The results can be used to test the effectiveness of governmental environmental policy. These activities are part of the policy evaluation tasks of the Inspectorate General for Environmental Protection (IGEP) and of the Ministry of Transport, Public Works and Water Management. The emission inventory takes place in cycles of one year. Recently, the most relevant results of the Dutch emission inventory for 1992 have been published. In that cycle the emissions in 1992 to air and water from about 800 major companies have been registered. These 800 companies are the most important contributors to the total industrial emissions in the Netherlands. The emissions of these companies are registered within the individual inventory system. The emissions from the smaller enterprises and from diffuse non-industrial sources are stored in the collective emission inventory system. The data collected in the 1992 inventory have been established for the first time in close cooperation between the IGEP, TNO, the Central Bureau of Statistics and the National Institute of Public Health and Environmental Protection. This implies that the data presented here have to be considered as the official data for the emissions in the Netherlands for the year 1992. (author)

  2. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  3. Customer perceptions on Internet banking information protection

    OpenAIRE

    André Redlinghuis; Chris Rensleigh

    2010-01-01

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

  4. 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....

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 76 FR 29191 - Purified Carboxymethylcellulose From Finland and the Netherlands: Continuation of Antidumping...

    Science.gov (United States)

    2011-05-20

    ... International Trade Administration Purified Carboxymethylcellulose From Finland and the Netherlands... from Finland and the Netherlands would likely lead to continuation or recurrence of dumping and... orders on purified carboxymethylcellulose (purified CMC) from Finland and the Netherlands. See Notice...

  10. 75 FR 57815 - Purified Carboxymethylcellulose From Finland, Mexico, Netherlands, and Sweden

    Science.gov (United States)

    2010-09-22

    ... COMMISSION Purified Carboxymethylcellulose From Finland, Mexico, Netherlands, and Sweden AGENCY: United... antidumping duty orders on purified carboxymethylcellulose from Finland, Mexico, Netherlands, and Sweden... antidumping duty orders on purified carboxymethylcellulose from Finland, Mexico, Netherlands, and Sweden...

  11. 75 FR 61700 - Purified Carboxymethylcellulose From Finland, the Netherlands, and Sweden: Final Results of the...

    Science.gov (United States)

    2010-10-06

    ... International Trade Administration Purified Carboxymethylcellulose From Finland, the Netherlands, and Sweden... purified carboxymethylcellulose (CMC) from, inter alia, Finland, the Netherlands, and Sweden, pursuant to... (120-day) sunset reviews of the Finland, the Netherlands, and Sweden antidumping duty orders...

  12. 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...

  13. 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...

  14. 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.

  15. 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,

  16. 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...

  17. 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. 

  18. 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.

  19. Database on wind characteristics - Contents of database bank

    DEFF Research Database (Denmark)

    Larsen, Gunner Chr.; Hansen, Kurt Schaldemose

    2004-01-01

    The main objective of IEA R&D Wind Annex XVII - Database on Wind Characteristics - has been to provide wind energy planners, designers and researchers, as well as the international wind engineering community in general, with a source of actual wind fielddata (time series and resource data) observed...... and Denmark, with Denmark as the Operating Agent. The reporting of the continuation of Annex XVII falls in two separate parts. Part one accounts in detailsfor the available data in the established database bank, and part two describes various data analyses performed with the overall purpose of improving...... and Energy, Danish Energy Agency, The NetherlandsAgency for Energy and the Environment (NOVEM), The Norwegian Water Resources and Energy Administration (NVE), The Swedish National Energy Administration (STEM) and The Government of the United States of America....

  20. 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...

  1. 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...

  2. 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 ...

  3. 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....

  4. 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...

  5. 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...

  6. 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.

  7. 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.

  8. 3-D Magnetotelluric Investigations for geothermal exploration in Martinique (Lesser Antilles). Characteristic Deep Resistivity Structures, and Shallow Resistivity Distribution Matching Heliborne TEM Results

    CERN Document Server

    Coppo, Nicolas; Girard, Jean-François; Wawrzyniak, Pierre; Hautot, Sophie; Tarits, Pascal; Jacob, Thomas; Martelet, Guillaume; Mathieu, Francis; Gadalia, Alain; Bouchot, Vincent; Traineau, Hervé

    2015-01-01

    Within the framework of a global French program oriented towards the development of renewable energies, Martinique Island (Lesser Antilles, France) has been extensively investigated (from 2012 to 2013) through an integrated multi-methods approach, with the aim to define precisely the potential geothermal ressources, previously highlighted (Sanjuan et al., 2003). Amongst the common investigation methods deployed, we carried out three magnetotelluric (MT) surveys located above three of the most promising geothermal fields of Martinique, namely the Anses d'Arlet, the Montagne Pel{\\'e}e and the Pitons du Carbet prospects. A total of about 100 MT stations were acquired showing single or multi-dimensional behaviors and static shift effects. After processing data with remote reference, 3-D MT inversions of the four complex elements of MT impedance tensor without pre-static-shift correction, have been performed for each sector, providing three 3-D resistivity models down to about 12 to 30 km depth. The sea coast effe...

  9. Database on wind characteristics - contents of database bank

    Energy Technology Data Exchange (ETDEWEB)

    Larsen, G.C.; Hansen, K.S.

    2004-06-01

    The main objective of IEA R and D Wind Annex XVII - Database on Wind Characteristics - has been to provide wind energy planners, designers and researchers, as well as the international wind engineering community in general, with a source of actual wind field data (time series and resource data) observed in a wide range of different wind climates and terrain types. Connected to an extension of the initial Annex period, the scope for the continuation was widened to include also support to the international wind turbine standardisation efforts.. The project partners are Sweden, Norway, U.S.A., The Netherlands and Denmark, with Denmark as the Operating Agent. The reporting of the continuation of Annex XVII falls in two separate parts. Part one accounts in details for the available data in the established database bank, and part two describes various data analyses performed with the overall purpose of improving the design load cases with relevance for to wind turbine structures. The present report constitutes the second part of the Annex XVII reporting. Both fatigue and extreme load aspects are dealt with, however, with the main emphasis on the latter. The work has been supported by The Ministry of Environment and Energy, Danish Energy Agency, The Netherlands Agency for Energy and the Environment (NOVEM), The Norwegian Water Resources and Energy Administration (NVE), The Swedish National Energy Administration (STEM) and The Government of the United States of America. (au)

  10. 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

  11. 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.

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

    OpenAIRE

    Harjum Muharam; Hasna Penta Kurnia

    2015-01-01

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

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

    OpenAIRE

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

    2012-01-01

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

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

    OpenAIRE

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

    2012-01-01

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

  15. A 200-Year Record of Interannual SST and pH Variability from the Lesser Antilles (Caribbean Sea, North Atlantic) Inferred from a Siderastrea Siderea Reef Coral

    Science.gov (United States)

    Douville, E.; Paterne, M.; Feuillet, N.; Noury, C.; Bordier, L.; Thil, F.

    2014-12-01

    Global warming and ocean acidification caused by the rising levels of anthropogenic CO2 in the atmosphere need to be better constrained by long-term studies of high resolution natural archives, especially at inter-annual and decadal scales. In the framework of the French INSU program LEFE/CYBER ACID-Antilles, here we developed a 200-year long interannual time series of sea surface temperature and pH based on the geochemical composition of tropical reef forming coral. The selected tropical coral called CHANCEL-1 is a colony of genus Siderastrea Siderea which was collected in 2008 from a living micro-atoll off Martinique in the Lesser Antilles, facing the eastern side of the Caribbean Sea. The colony of 1-meter extension presents a mean growth rate of 4 - 5 mm/yr. Along the growth axis, we measured the boron isotopic composition (delta11B) and trace element ratios (Li/Mg, Sr/Ca), which reveal a progressive decrease of the surface water pH and increase of temperature during the past 200 years. These observations cooperate the anthropogenic forcing, i.e. rising atmospheric CO2 and rising sea surface temperatures due to global warming. However, other processes apparently affect the geochemical records, as indicated by sub-decadal variations of pH and temperature reconstruction overprinting the long term global trend. Possible drivers of such most likely regional variability might be decadal changes of oceanographic conditions (upwelling, freshwater runoff, seawater masse changes, etc.) as well as species dependent biological controls.

  16. 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

  17. 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...

  18. 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...

  19. 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...

  20. 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 §...

  1. 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.

  2. Physical activity and risk of ovarian cancer: Results from the Netherlands Cohort Study (The Netherlands)

    NARCIS (Netherlands)

    Biesma, R.G.; Schouten, L.J.; Dirx, M.J.M.; Goldbohm, R.A.; Brandt, P.A. van den

    2006-01-01

    Objective: To investigate the association between nonoccupational physical activity and the risk of ovarian cancer among post-menopausal women. Methods: The Netherlands Cohort Study on Diet and Cancer consists of 62,573 women aged 55-69 years at baseline. Information regarding baseline nonoccupation

  3. Modelling the hydrocarbon generation and migration in the West Netherlands Basin, the Netherlands

    NARCIS (Netherlands)

    Balen, R.T. van; Bergen, F. van; Leeuw, C. de; Pagnier, H.; Simmelink, H.; Wees, J.D. van; Verweij, J.M.

    2000-01-01

    The hydrocarbon systems of the Mesozoic, inverted West Netherlands Basin have been analyzed using 2-D forward modelling. Three source rocks are considered in the modelling: Lower Jurassic oil-prone shales, Westphalian gas-prone coal deposits, and Lower Namurian oil-prone shales. The Lower Namurian h

  4. 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’

  5. 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

  6. 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

  7. 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

  8. 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.

  9. 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

  10. 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)

  11. 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.

  12. 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

  13. 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

  14. QUALITY MANAGEMENT IN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Micuda Ion Dan

    2009-05-01

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

  15. 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.

  16. Energy R and D in the Netherlands

    Energy Technology Data Exchange (ETDEWEB)

    EEM Luiten; JJ Dooley; K Blok

    1999-09-07

    This report documents trends in R and D and in particular (public) energy R and D in the Netherlands. Besides quantitative information on R and D and energy R and D, the report gives an impression of changes in science and technology policy, energy policy and changes in energy research priorities (both organizational and financial). In the Netherlands, 2.09% of GDP (or $6.7 billion) was invested in R and D activities in 1995. The private sector financed 46% of all R and D in that year. A small but significant fraction (9.3%) of the research performed in the Netherlands is financed by foreign public and private sector entities. Energy R and D has been identified by the national Strategic Foresight Activity as an important area of R and D for government support in the future. This is due in part to the overall decline in public support for energy R and D that occurred from 1985 to 1995. However, recent concern over climate change and energy policy has resulted in increased budgets for energy R and D. Recent policy documents (e.g., the Memorandum on Energy R and D in April 1998) and initiatives (e.g., a recent university energy R and D program; intensification of climate policy, partly in R and D) indicate the growing interest in addressing the issue of climate change partly through energy R and D. The Dutch government believes that the liberalization of the energy market in the Netherlands justifies an active role for the government to guarantee the longer-term transformation to a sustainable energy system. In terms of climate policy, the expanded and more efficient use of natural gas is seen as a suitable transition option towards a sustainable energy system. However, energy efficiency (and in particular energy efficiency in the industrial sector) and the introduction of renewable technologies (solar energy, wind energy and biomass) are generally favored for the long term. Recently, additional funding was allocated for research on industrial &apos

  17. 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

  18. 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...

  19. The public health workforce: An assessment in the Netherlands

    NARCIS (Netherlands)

    Jambroes, M.

    2015-01-01

    The public health workforce is a key resource of population health. How many people work in public health in the Netherlands, what are their characteristics and who does what? Remarkably, such information about the size and composition of the public health workforce in the Netherlands is lacking. A

  20. Implementation of coastal erosion management in the Netherlands

    NARCIS (Netherlands)

    Mulder, J.P.M.; Hommes, S.; Horstman, E.M.

    2011-01-01

    The Netherlands is a low-lying country, in which 9 million people are living below sea level and 70% of the gross domestic product is being earned in areas below sea level. Therefore, protection against flooding is traditionally the primary focus of coastal policy in the Netherlands. Analysis shows

  1. Inverse carbon dioxide flux estimates for the Netherlands

    NARCIS (Netherlands)

    Meesters, A. G. C. A.; Tolk, L. F.; Peters, W.; Hutjes, R. W. A.; Vellinga, O. S.; Elbers, J. A.; Vermeulen, A. T.; van der Laan, S.; Neubert, R. E. M.; Meijer, H. A. J.; Dolman, A. J.

    2012-01-01

    CO2 fluxes for the Netherlands and surroundings are estimated for the year 2008, from concentration measurements at four towers, using an inverse model. The results are compared to direct CO2flux measurements by aircraft, for 6 flight tracks over the Netherlands, flown multiple times in each season.

  2. Inverse carbon dioxide flux estimates for the Netherlands

    NARCIS (Netherlands)

    Meesters, A.G.C.A.; Tolk, L.F.; Peters, W.; Hutjes, R.W.A.; Vellinga, O.S.; Elbers, J.A.; Vermeulen, A.T.; Laan, van der S.; Neubert, R.; Meijer, H.A.J.; Dolman, A.J.

    2012-01-01

    CO2 fluxes for the Netherlands and surroundings are estimated for the year 2008, from concentration measurements at four towers, using an inverse model. The results are compared to direct CO2 flux measurements by aircraft, for 6 flight tracks over the Netherlands, flown multiple times in each season

  3. The Lycosidae and Pisauridae (Araneae) of the Netherlands

    NARCIS (Netherlands)

    Wiebes, J.T.

    1959-01-01

    INTRODUCTION In this paper the species of spiders belonging to the families Lycosidae and Pisauridae, known from the Netherlands, are described and figured. In addition a number of species, which possibly may occur in the Netherlands though they have not yet been found here hitherto, are mentioned i

  4. Iron deficiency among children of asylum seekers in the Netherlands

    NARCIS (Netherlands)

    Stellinga-Boelen, A. A. M.; Storm, H.; Wiegersma, P. A.; Bijleveld, C. M. A.; Verkade, H. J.

    2007-01-01

    Objectives: To investigate, in asylum seekers' children in the Netherlands, biochemical iron status and the prevalence of iron deficiency (ID) and anemia in relation to age, region of origin, length of stay in the Netherlands, body mass index (BMI), and dietary iron intake. Patients and Methods: Hem

  5. Innovations in the water chain – experiences in The Netherlands

    NARCIS (Netherlands)

    Krozer, Yoram; Hophmayer-Tokich, Sharon; Meerendonk, van Hans; Tijsma, Simon; Vos, Eric

    2010-01-01

    Innovations in water chain are discussed based on experiences in the Netherlands. The available and new technological options, as well as their dissemination in the Netherlands, are presented for the prevailing system with add-on technologies (elongation), and for the emerging separation system with

  6. Regulating Migrant Domestic Work in the Netherlands: Opportunities and Pitfalls

    NARCIS (Netherlands)

    Walsum, van S.K.

    2011-01-01

    Abstract In the Netherlands, migrant domestic workers are currently campaigning on various fronts for better rights: for protection of their rights as workers; for claims to social security; for the right to reside and work in the Netherlands. Since 2006, they have received support from the Dutch tr

  7. Is the gender wage gap declining in the Netherlands?

    NARCIS (Netherlands)

    van der Meer, P.H.

    2008-01-01

    In this paper I try to answer the question whether the gender wage gap in the Netherlands is declining. I posed this question because on several other indicators labour market differences between men and women in the Netherlands declined or disappeared altogether. First of all the labour market part

  8. A survey on orthodontic retention procedures in The Netherlands.

    NARCIS (Netherlands)

    Renkema, A.M.; Sips, E.T.; Bronkhorst, E.M.; Kuijpers-Jagtman, A.M.

    2009-01-01

    The objective of this study was to survey retention procedures used in orthodontic practices in The Netherlands. A questionnaire was sent to all 279 orthodontists working in The Netherlands. The questionnaire consisted of six parts, mainly containing multiple-choice questions. Information as to back

  9. Language studies in higher education in the Netherlands

    NARCIS (Netherlands)

    Zwarts, Frans; Silkens, B.

    1995-01-01

    Dutch is one of the two official languages of the Netherlands. It is the mother tongue of 15 million Dutchmen and 5,5 million Belgians. The second official language is Frisian, which is spoken by the 500,000 inhabitants of Friesland - a province of the Netherlands, 1,248 square miles in area, in the

  10. A generic approach for 3D SDI in The Netherlands

    NARCIS (Netherlands)

    Stoter, J.; Brink, L. van den; Vosselman, G.; Goos, J.; Zlatanova, S.; Verbree, E.; Klooster, R.; Berlo, L. van; Vestjens, G.; Reuvers, M.; Thorn, S.

    2011-01-01

    This paper presents a research project in The Netherlands in which a large number of stakeholders are collaborating on a 3D test bed, selected use cases and a test area to push 3D applications in the Netherlands. The project studies and realizes a proof of oncept for a 3D Spatial Data Infrastructure

  11. Determinants, benefits and barriers of informal learning in the Netherlands

    NARCIS (Netherlands)

    Caniëls, Marjolein; Kirschner, Paul A.

    2012-01-01

    Caniëls, M. C. J., & Kirschner, P. A. (2012). Determinants, benefits and barriers of informal learning in the Netherlands. In P. van den Bossche, W. H. Gijselaers, & R. G. Milter (Eds.), Learning at the crossroads of theory and practice (pp. 93-110). Dordrecht, The Netherlands: Springer Business & M

  12. The Netherlands: Childbearing within the context of a "Poldermodel" society

    NARCIS (Netherlands)

    Fokkema, T.; de Valk, H.; de Beer, J.; van Duin, C.

    2008-01-01

    The Netherlands has seen a considerable decline of the period total fertility rate and delayed childbearing, just like all other European countries. The drop in fertility, however, has not been as sharp as in many other regions of Europe. The period total fertility rate in the Netherlands has stabil

  13. Reliability analysis of flood defence systems in the Netherlands

    NARCIS (Netherlands)

    Lassing, B.L.; Vrouwenvelder, A.C.W.M.; Waarts, P.H.

    2003-01-01

    In recent years an advanced program for reliability analysis of dike systems has been under de-velopment in the Netherlands. This paper describes the global data requirements for application and the set-up of the models in the Netherlands. The analysis generates an estimate of the probability of sys

  14. Netherlands Twin Register : a focus on longitudinal research

    NARCIS (Netherlands)

    Boomsma, DI; Vink, JM; van Beijsterveldt, TCEM; Geus, Eco J. C.; Beem, AL; Mulder, EJCM; Derks, EM; Riese, H; Willemsen, GAHM; Bartels, M; van den Berg, M; Kupper, NHM; Polderman, TJC; Posthuma, D; Rietveld, MJH; Stubbe, JH; Knol, LI; Stroet, T; van Baal, GCM

    2002-01-01

    In 1986 we began The Netherlands Twin Register (NTR) by recruiting young twins and multiples a few weeks or months after birth. Currently we register around 50% of all newborn multiples in The Netherlands. Their parents receive a questionnaire at registration and afterwards when the children are 2,

  15. The Future of Agricultural Education: The Case of the Netherlands

    Science.gov (United States)

    Mulder, Martin; Kupper, Hendrik

    2006-01-01

    Agricultural education has been an essential factor in the success of agricultural development in the Netherlands. At present, as in many countries throughout the world, the position of agricultural education is threatened. Does agricultural education have a future in the Netherlands, and if so, what strategies are being used for its survive? This…

  16. Electric bicycles in The Netherlands: Current developments and future possibilities

    NARCIS (Netherlands)

    Rooijen, T. van

    2010-01-01

    Developments with electric bicycles in the Netherlands are progressing rapidly. The number of electric bicycles sold is rises every year. Cycling is a very popular mode of transport in The Netherlands. In 2008 more than one million bicycles were sold. At the moment one out of ten bicycles sold is al

  17. Policy Instruments for Groundwater Management in the Netherlands

    NARCIS (Netherlands)

    Hellegers, P.J.G.J.; Ierland, van E.C.

    2003-01-01

    In the Netherlands agriculture and nature have conflicting interests with respect to groundwater management. Insight into the suitability of policy instruments to achieve optimal groundwater level and extraction management in the Netherlands is, however, missing. In this paper the suitability of pol

  18. 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...

  19. 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...

  20. 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.

  1. 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.

  2. 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.

  3. New perspectives in human milk banks

    Directory of Open Access Journals (Sweden)

    Enrico Bertino

    2015-10-01

    Full Text Available Mother’s own milk (MOM is the first choice in preterm infant feeding, and when it is not available or is insufficient, donor human milk (DHM is recommended. It has been shown that feeding preterm infants with human milk is less related to major morbidities, enhances feeding tolerance and prevents metabolic syndrome in childhood. As The Committee on Nutrition of the European Society for Pediatric Gastroenterology, Hepatology, and Nutrition (ESPGHAN states, specific guidelines for Human Milk Banks (HMB are needed to guarantee the best possible compromise between microbiological safety and nutritional/biological quality of human milk (HM. Currently, Holder pasteurization (HoP: pasteurization process at 62.5-63°C for 30 minutes is recommended by all international guidelines: this method inactivates bacterial and viral pathogens but it also affects some nutritional and biological properties of human milk. New methods to ameliorate the biological quality and safety of DHM are under investigation in the last years. High Pressure Processing (HPP is a non- thermal process used in food industries: this technology inactivates pathogenic microorganisms by applying hydrostatic high pressure, however further researches are required before applying this technology in milk banking. Ultraviolet-C irradiation (UV-C is another non-thermal method capable of reducing vegetative bacteria in human milk and it also seems to preserve higher levels of immunological proteins than HoP. High-temperature short-time pasteurization (HTST: flash pasteurization, 72°C for 5-15 seconds currently is available only at industrial level, but it could represent an alternative to HoP seeming to maintain the protein profile and some of the key active components of DHM. Further researches are needed to define the optimal treatment of DHM. Proceedings of the 11th International Workshop on Neonatology and Satellite Meetings · Cagliari (Italy · October 26th-31st, 2015 · From the womb

  4. 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

  5. [Aquaculture in the Netherlands: problems and perspectives].

    Science.gov (United States)

    Hogendoorn, H

    1986-11-15

    New interest is being focussed on the more than 100-year-old field of fish culture in the Netherlands. The systems of production available show varying degrees of control of the fish and their environment, and they have a corresponding yield: 0.01-250 kg/m3/year. The recently developed recirculation systems (40-80 kg/m3) make possible the commercial production of luxury species of fish, independently of climatological conditions and having minimum effects on the environment. Some technical aspects of reproduction, housing, nutrition, growth, health control and marketing of the fish require further attention. But the absence of a solid tradition of fish culture is the main problem in the development of fish culture in the Netherlands today. Good fish stockmanship is required at farmers' level. And the organisation and governmental support, that turned agriculture into a highly successful industry, are also essential. For the moment, the most promising commercial prospects are provided by a number of luxury fish species: trout, salmon, eel, sole, turbot, tilapia, catfish, seabass and seabream. A joint effort may help to overcome the remaining technical and logistical uncertainties.

  6. Cervical Ripening in The Netherlands: A Survey

    Science.gov (United States)

    Huisman, Claartje M. A.; Jozwiak, Marta; de Leeuw, Jan Willem; Mol, Ben Willem; Bloemenkamp, Kitty W. M.

    2013-01-01

    Objective. We aim to investigate methods and use of cervical ripening in women without and with a prior cesarean delivery in The Netherlands. Methods. In 2010, we conducted a postal survey in all Dutch hospitals with a labor ward. One gynecologist per hospital was addressed and was asked to respond on behalf of the staff. The questionnaire contained 31 questions concerning cervical ripening and induction of labor. We compared this survey to a similar Dutch survey conducted in 2006. Results. Response rate was 78% (70/92 hospitals). In women without a prior cesarean and in need of cervical ripening, all hospitals (100%) applied prostaglandins (either E1 or E2). In women with a prior cesarean, 21.4% of the hospitals performed an elective cesarean section if delivery was indicated (26.0% in 2006). In case of cervical ripening, 72.7% used mechanical methods (49.1% in 2006), 20.0% used prostaglandins (40.4% in 2006), 3.6% used a combination of prostaglandins and mechanical methods, and 3.6% used membrane-sweeping or oxytocin. Conclusions. In 2010, in The Netherlands, prostaglandins and Foley catheters were the preferred methods for cervical ripening in women without and with a prior cesarean, respectively. Use of mechanical methods in women with a prior cesarean has increased rapidly between 2006 and 2010, corresponding with decreasing use of prostaglandins and elective repeat cesarean sections. PMID:23997770

  7. Prioritizing emerging zoonoses in the Netherlands.

    Directory of Open Access Journals (Sweden)

    Arie H Havelaar

    Full Text Available BACKGROUND: To support the development of early warning and surveillance systems of emerging zoonoses, we present a general method to prioritize pathogens using a quantitative, stochastic multi-criteria model, parameterized for the Netherlands. METHODOLOGY/PRINCIPAL FINDINGS: A risk score was based on seven criteria, reflecting assessments of the epidemiology and impact of these pathogens on society. Criteria were weighed, based on the preferences of a panel of judges with a background in infectious disease control. CONCLUSIONS/SIGNIFICANCE: Pathogens with the highest risk for the Netherlands included pathogens in the livestock reservoir with a high actual human disease burden (e.g. Campylobacter spp., Toxoplasma gondii, Coxiella burnetii or a low current but higher historic burden (e.g. Mycobacterium bovis, rare zoonotic pathogens in domestic animals with severe disease manifestations in humans (e.g. BSE prion, Capnocytophaga canimorsus as well as arthropod-borne and wildlife associated pathogens which may pose a severe risk in future (e.g. Japanese encephalitis virus and West-Nile virus. These agents are key targets for development of early warning and surveillance.

  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. Database on wind characteristics. Contents of database bank

    Energy Technology Data Exchange (ETDEWEB)

    Larsen, G.C.; Hansen, K.S.

    2001-11-01

    The main objective of IEA R and D Wind Annex XVII - Database on Wind Characteristics - is to provide wind energy planners and designers, as well as the international wind engineering community in general, with easy access to quality controlled measured wind field time series observed in a wide range of environments. The project partners are Sweden, Norway, U.S.A., The Netherlands, Japan and Denmark, with Denmark as the Operating Agent. The reporting of IEA R and D Annex XVII falls in three separate parts. Part one deals with the overall structure and philosophy behind the database, part two accounts in details for the available data in the established database bank and part three is the Users Manual describing the various ways to access and analyse the data. The present report constitutes the second part of the Annex XVII reporting. Basically, the database bank contains three categories of data, i.e. 1) high sampled wind field time series; 2) high sampled wind turbine structural response time series; and 3) wind resource data. The main emphasis, however, is on category. The available data, within each of the three categories, are described in details. The description embraces site characteristics, terrain type, measurement setup and the amount of available data. (au)

  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. The Netherlands Information Service Collection: An Introduction

    Directory of Open Access Journals (Sweden)

    David J. Snyder

    2009-11-01

    Full Text Available La historia contemporánea neerlandesa sigue siendo un tema poco investigado en los Estados Unidos. Aunque los científicos sociales americanos han apreciado por mucho tiempo el valor de los estudios de neerlandeses, historiadores norteamericanos han tardado en desarrollar la historiografía contemporánea neerlandesa, debido en parte a la escasez de fuentes utiles en las colecciones públicas. Este artículo está destinado a servir como una introducción a los documentos del Servicio de Información de los Países Bajos (NIS, en neerlandés, la Regerings Voorlichtingsdienst, que ahora están abiertas al estudio, y una invitación a los académicos para incluir los Países Bajos en sus programas de investigación. Administrada por la Holland Historical Trust y ubicada en el Holland Museum of Holland, Michigan, este depósito de materiales contemporáneos en lengua neerlandesa es único en América del Norte. La colección NIS en el Museo de Holanda es un excelente punto de partida para estudiar la contemporaneidad de los Países Bajos. Una serie de acontecimientos contemporáneos se han desarrollado en Holanda, y su estudio podría enseñar a los lectores  la versión neerlandesa de estos eventos._____________ABSTRACT:Contemporary Dutch history remains an under-researched topic in the United States. Though American social scientists have long appreciated the value of Dutch studies, American historians have been slow to develop contemporary Dutch historiography due in part to a dearth of comprehensive sources in public collections. This article is meant to serve as an introduction to the papers of the Netherlands Information Service (NIS; in Dutch, the Regerings Voorlichtingsdienst, which are now open for study, and an invitation to scholars to include the contemporary Netherlands in their research agendas. Held by the Holland Historical Trust and housed in the Holland Museum of Holland, Michigan, this repository of contemporary Dutch materials

  14. 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...

  15. 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...

  16. 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.

  17. 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

  18. 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...

  19. 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.

  20. 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...

  1. 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...

  2. 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

  3. 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

  4. 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.

  5. 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

  6. 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.

  7. 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

  8. 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.

  9. 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,...

  10. 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...

  11. 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...

  12. 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.

  13. 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-

  14. 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

  15. 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.

  16. 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...

  17. 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...

  18. 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 ...

  19. 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...

  20. 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.

  1. [Adaptation of Einthoven's string galvanometer for electrocardiography in the Netherlands].

    Science.gov (United States)

    Wyers, P J

    2001-12-22

    After the Dutch physiologist Willem Einthoven (1860-1927) published the construction of his string galvanometer in 1901, the development of electrocardiography in the Netherlands was slow. During the next twenty years only a few string galvanometers were in use in the Netherlands, mostly in physiology laboratories. Publications concerning electrocardiographic tests on patients were scarce. In 1924, Einthoven was awarded the Nobel Prize for Physiology and Medicine for discovering the mechanism of the electrocardiogram. From that moment onwards, electrocardiography developed rapidly in the Netherlands and during the following 30 years particular use was made of the French string galvanometer designed by Boulitte.

  2. Library holdings for Bonaire 2008: Exploring Coral Reef Sustainability with New Technologies on Fetch1 AUV and Gavia AUV's in Netherlands, Antilles between January 7, 2008 and January 30, 2008

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Library Catalog may include: Data Management Plans, Cruise Plans, Cruise Summary Reports, Scientific "Quick Look Reports", Video Annotation Logs, Image Collections,...

  3. Multibeam collection for HLY05TH: Multibeam data collected aboard Healy from 2005-11-06 to 2005-11-17, departing from St. Maarten, Netherland Antilles and returning to Cabo San Lucas, Mexico

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — This data set is part of a larger set of data called the Multibeam Bathymetry Database (MBBDB) where other similar data can be found at...

  4. The reception of relativity in the Netherlands

    CERN Document Server

    van Besouw, Jip

    2013-01-01

    This article reviews the early academic and public reception of Albert Einstein's theory of relativity in the Netherlands, particularly after Arthur Eddington's eclipse experiments of 1919. Initially, not much attention was given to relativity, as it did not seem an improvement over Hendrik A. Lorentz' work. This changed after the arrival in Leiden of Paul Ehrenfest. Soon relativity was much studied and lead to controversy among a number of conservative intellectuals, as elsewhere in Europe. The tone of Dutch critics was much more mild, however. This can be understood when one considers Dutch neutrality during World War I. Einstein's political positions were generally positively perceived in Holland, which Dutch academics put to use in their efforts at international reconciliation abroad, and the presentation of theoretical physics at home.

  5. 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.

  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. 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

  11. Chlorine Stable Isotopes to reveal contribution of magmatic chlorine in subduction zones: the case of the Kamchatka-Kuril and the Lesser Antilles Volcanic Arcs

    Science.gov (United States)

    Agrinier, Pierre; Shilobreeva, Svetlana; Bardoux, Gerard; Michel, Agnes; Maximov, Alexandr; Kalatcheva, Elena; Ryabinin, Gennady; Bonifacie, Magali

    2015-04-01

    By using the stable isotopes of chlorine (δ 37Cl), we have shown that magmatic chlorine (δ 37Cl ≤ -0.6 ‰ [1]) is different from surface chlorine (δ 37Cl ≈ 0 ‰ [1]) in hydrothermal system of Soufrière and Montagne Pelé from the young arc volcanic system of Lesser Antilles. First measurements on condensed chlorides from volcanic gases (e.g. [2], [3]) did not permitted to get sensible δ 37Cl values on degassed chlorine likely because chlorine isotopes are fractionated during the HClgas - chloride equilibrium in the fumaroles or during sampling artifacts. Therefore we have developed an alternative strategy based on the analysis of chloride in thermal springs, streams, sout{f}lowing on the flanks of the volcanoes. Due to the highly hydrophilic behavior of Cl, we hypothesize that thermal springs incorporate chlorine without fractionation of chlorine isotopes and might reflect the chlorine isotopic composition degassed by magmas [1]. Indeed Thermal spring with low δ 37Cl chlorides (≤ -0.6 perthousand{}) are linked with magmatic volatiles characters (3He ratio at 5 Ra at and δ 13C CO2 quad ≈ -3 perthousand{}). To go further in the potentiality of using the Chlorine isotopes to reveal contribution of magmatic chlorine in volcanic systems, we have started the survey of thermal springs and wells waters in the Kamchatka-Kuril volcanic mature Arc (on sites Mutnovsky, Paratunka, Nalychevsky, Khodutkinsky, Paramushir Island, identified by Taran, 2009 [4] for concentrations of chloride). Preliminary results show δ 37Cl values ranging from 0.5 to -0.2 ‰ and generally higher chloride concentrations. The δ 37Cl values are higher than the value recorded for the young arc volcanic system of lesser Antilles. At present moment very few negative δ 37Cl have been measured in the Kamchatka-Kuril volcanic mature Arc. [1] Li et al., 2015 EPSL in press. [2] Sharp et al. 2010 GCA. [3] Rizzo et al., 2013, EPSL, 371, 134. [4] Taran, 2009, GCA, 73, 1067

  12. Insights on volcanic behaviour from the 2015 July 23-24 T-phase signals generated by eruptions at Kick-'em-Jenny Submarine Volcano, Grenada, Lesser Antilles

    Science.gov (United States)

    Dondin, F. J. Y.; Latchman, J. L.; Robertson, R. E. A.; Lynch, L.; Stewart, R.; Smith, P.; Ramsingh, C.; Nath, N.; Ramsingh, H.; Ash, C.

    2015-12-01

    Kick-'em-Jenny volcano (KeJ) is the only known active submarine volcano in the Lesser Antilles Arc. Since 1939, the year it revealed itself, and until the volcano-seismic unrest of 2015 July 11-25 , the volcano has erupted 12 times. Only two eruptions breached the surface: 1939, 1974. The volcano has an average eruption cycle of about 10-11 years. Excluding the Montserrat, Soufrière Hills, KeJ is the most active volcano in the Lesser Antilles arc. The University of the West Indies, Seismic Research Centre (SRC) has been monitoring KeJ since 1953. On July 23 and 24 at 1:42 am and 0:02 am local time, respectively, the SRC recorded T-phase signals , considered to have been generated by KeJ. Both signals were recorded at seismic stations in and north of Grenada: SRC seismic stations as well as the French volcano observatories in Guadeloupe and Martinique, Montserrat Volcano Observatory, and the Puerto Rico Seismic Network. These distant recordings, along with the experience of similar observations in previous eruptions, allowed the SRC to confirm that two explosive eruptions occurred in this episode at KeJ. Up to two days after the second eruption, when aerial surveillance was done, there was no evidence of activity at the surface. During the instrumental era, eruptions of the KeJ have been identified from T-phases recorded at seismic stations from Trinidad, in the south, to Puerto Rico, in the north. In the 2015 July eruption episode, the seismic station in Trinidad did not record T-phases associated with the KeJ eruptions. In this study we compare the T-phase signals of 2015 July with those recorded in KeJ eruptions up to 1974 to explore possible causative features for the T-phase recording pattern in KeJ eruptions. In particular, we investigate the potential role played by the Sound Fixing and Ranging (SOFAR) layer in influencing the absence of the T-phase on the Trinidad seismic station during this eruption.

  13. 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...

  14. 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....

  15. 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...

  16. 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...

  17. 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...

  18. 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

  19. Peatlands and carbon flows. Outlook and importance for the Netherlands

    Energy Technology Data Exchange (ETDEWEB)

    Verhagen, A. [Plant Research International PRI, Wageningen UR, Wageningen (Netherlands); Van den Akker, J.J.H.; Diemont, W.H.; Schrijver, R.A.M.; Wosten, H.M. [Alterra, Wageningen UR, Wageningen (Netherlands); Blok, C. [Greenhouse Horticulture, Wageningen UR, Wageningen (Netherlands); Joosten, J.H.J. [Conservation Group Institute of Botany and Landscape Ecology, University of Greifswald, Greifswald (Germany); Schouten, M.A.; Den Uyl, R.M.; Verweij, P.A. [Copernicus Institute for Sustainable Development and Innovation, Universiteit Utrecht, Utrecht (Netherlands)

    2010-02-15

    Peatlands are found on all continents, however, uncertainties regarding their size and exact locations are very high. Horticulture is the main user of peat in the Netherlands. Compared to other terrestrial ecosystems, peatlands are the most space-effective carbon stocks. Annual emissions of carbon dioxide from peat import for Dutch horticulture is between 0.2 and 0.3 Mt. Climate change will considerably increase most problems associated with peat soils in the Netherlands. It is difficult to establish a correlation between economic activities within the Netherlands and exploitation of tropical peatland. Of the products imported into the Netherlands palm oil perhaps is the most threatening to tropical peatlands. Given the increasing demand from, for example, India and China, the main challenge is to meet this demand without clearing forests, reclaiming peatland, or exploiting other carbon stocks.

  20. Open University of the Netherlands. Universidad Abierta de Holanda

    NARCIS (Netherlands)

    Berlanga, Adriana; Sloep, Peter

    2011-01-01

    Berlanga, A. J., & Sloep, P. B. (2011). Open University of the Netherlands. Universidad Abierta de Holanda. Presentation at Universidad Nacional Abierta y a Distancia (UNAD). February, 25, 2011, Bogotá, Colombia.