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Sample records for bank netherlands antilles

  1. 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.

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

    NARCIS (Netherlands)

    Toller, W.; Debrot, A.O.; Vermeij, M.J.A.; Hoetjes, P.C.

    2010-01-01

    Saba Bank is a 2,200 km2 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

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

    NARCIS (Netherlands)

    Toller, W.; Debrot, A.O.; Vermeij, M.; Hoetjes, P.C.

    2010-01-01

    Saba Bank is a 2,200 km2 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

  4. 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.

  5. The incidence of anorexia nervosa in Netherlands Antilles immigrants in the Netherlands

    NARCIS (Netherlands)

    van Hoeken, Daphne; Veling, Wim; Smink, Frederique R. E.; Hoek, Hans W.

    2010-01-01

    Objective: Previously we found that the incidence of anorexia nervosa (AN) in the general population was much lower in the Netherlands Antilles than in the Netherlands. As a follow-up we compared the incidence of AN in the Netherlands in persons from the Netherlands Antilles to native Dutch. Method:

  6. 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

  7. Eocene crabs (Crustacea, Brachyura) from Bonaire, Netherlands Antilles

    NARCIS (Netherlands)

    Collins, J.H.S.; Donovan, S.K.

    2005-01-01

    Recently discovered crabs from the Middle to Upper Eocene of northern Bonaire, Netherlands Antilles, include well-preserved carapaces of Montezumella rutteni Van Straelen, originally described from an incomplete holotype. The more comprehensive description of this species provided herein includes

  8. 76 FR 68039 - Federal Acquisition Regulation; Successor Entities to the Netherlands Antilles

    Science.gov (United States)

    2011-11-02

    ...] RIN 9000-AM11 Federal Acquisition Regulation; Successor Entities to the Netherlands Antilles AGENCIES... ``designated country'' due to the change in status of the islands that comprised the Netherlands Antilles... 2011-014. SUPPLEMENTARY INFORMATION: I. Background The Netherlands Antilles was designated as a...

  9. 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.

  10. HIV Transmission Patterns Among The Netherlands, Suriname, and The Netherlands Antilles: A Molecular Epidemiological Study

    NARCIS (Netherlands)

    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.

    2011-01-01

    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

  11. 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.

  12. 76 FR 38053 - Defense Federal Acquisition Regulation Supplement; Successor Entities to the Netherlands Antilles...

    Science.gov (United States)

    2011-06-29

    ... Federal Acquisition Regulation Supplement; Successor Entities to the Netherlands Antilles (DFARS Case 2011... ``designated country'' due to the change in the political status of the islands that comprised the Netherlands..., 2010, Curacao and Sint Maarten became autonomous territories of the Kingdom of the Netherlands. Bonaire...

  13. Political decolonization and self-determination : the case of the Netherlands Antilles and Aruba

    NARCIS (Netherlands)

    Hillebrink, Steven

    2007-01-01

    The Netherlands Antilles and Aruba are still tied to the Netherlands through the Charter for the Kingdom of 1954. This document is a little known, but ingenious attempt at the decolonization of the Dutch Caribbean within the structure of the Kingdom of the Netherlands. This study describes the

  14. [Pre-trial psychiatric reports on Antillean suspected offenders in the Netherlands and on the Dutch Antilles].

    Science.gov (United States)

    Vinkers, D J; Heytel, F G M; Matroos, G M; Hermans, K M; Hoek, H W

    2010-01-01

    The registered criminality among Antilleans living in the Netherlands is much higher than among Antilleans living on the Dutch Antilles (113 offences and 11 offences respectively, per year per 1000 persons, pDutch Antilles (n=199) between 2000 and 2006. A careful study was made of pre-trial psychiatric reports on Antillean suspected offenders (referred to as suspects) in the Netherlands and of comparable reports on Antillean suspects on the Dutch Antilles. There was no significant difference in the prevalence of mental disorders among Antillean suspects in the Netherlands (22.3%) and on the Dutch Antilles (20.3%). Abuse of drugs and cannabis was more prevalent on the Dutch Antilles where treatment for addiction is less frequently available than in the Netherlands. Mental retardation was ascertained more often among Antilleans in the Netherlands (22.4%) than among Antilleans on the Dutch Antilles (15.1%). Antillean suspects on the Dutch Antilles were more often found to be fully responsible for their actions than were Antillean suspects in the Netherlands (65.3% versus 19.1%, pDutch Antilles.

  15. Description of extreme-wave deposits on the northern coast of Bonaire, Netherlands Antilles

    Science.gov (United States)

    Watt, Steven G.; Jaffe, Bruce E.; Morton, Robert A.; Richmond, Bruce M.; Gelfencaum, Guy

    2010-01-01

    To develop a better understanding of the origins of extreme-wave deposits and to help assess the potential risk of future overwash events, a field mapping survey was conducted in November 2006 on the northern coast of Bonaire, Netherlands Antilles. Deposits were mapped and analyzed to help develop a systematic sedimentological approach to distinguish the type of extreme-wave event (tsunamis or storms) or combination of events that formed and modified the deposits over time. Extreme-wave deposits on the northern coast of Bonaire between Boka Onima and Boka Olivia have formed sand sheets, poly-modal ridge complexes, and boulder fields on a Pleistocene limestone platform 3?8 meters above sea level. The deposits exhibit characteristics that are consistent with both large storm and tsunami processes that often overlap one another. Sand sheets occur as low-relief features underlying and incorporated with boulder field deposits. The seaward edge of ridge complexes are deposited up to 70 m from the shoreline and can extend over 200 m inland. Over 600 clasts were measured in fields and range in size from coarse gravel to fine block, weigh up to 165 metric tons, and are placed over 280 m from the shoreline. Our analyses indicate that the deposits may have been produced by a combination of hurricane and tsunami events spanning 10s to 1000s of years. Comparing the different deposit morphologies between study sites highlights the importance of shoreline orientation to the distribution of extreme-wave deposits onshore. However, further investigation is required to fully understand the processes that have produced and modified these deposits over time.

  16. 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...

  17. The Netherlands Brain Bank for Psychiatry.

    Science.gov (United States)

    Rademaker, Marleen C; de Lange, Geertje M; Palmen, Saskia J M C

    2018-01-01

    The Netherlands Brain Bank (NBB) performs rapid autopsies of donors who gave written informed consent during life for the use of their brain tissue and medical files for research. The NBB initiated the Netherlands Brain Bank for Psychiatry (NBB-Psy), a prospective donor program for psychiatric diseases. NBB-Psy wants to expand the tissue collections in order to provide a strong incentive to increase research in psychiatry. The ultimate goal of NBB-Psy is to reduce the burden of psychiatric disorders for patients, their families, and for society as a whole. NBB-Psy consists of an antemortem and postmortem donor program. This chapter focuses on the design of NBB-Psy and the antemortem donor program, where patients and relatives are actively informed on the possibility to become a brain donor. Since the initiation of NBB-Psy, the number of registered donors with a psychiatric diagnosis has increased from 149 in 2010 to 1018 in May 2016. Copyright © 2018 Elsevier B.V. All rights reserved.

  18. Monetary transmission and bank lending in the Netherlands

    NARCIS (Netherlands)

    Kakes, Jan

    1998-01-01

    This paper investigates the role of bank lending in the monetary transmission process in the Netherlands. We observe significant differences between the responses of corporate and household lending following a monetary shock. We also find that banks hold a buffer stock of securities which they use

  19. Monetary transmission and bank lending in the Netherlands

    OpenAIRE

    Kakes, Jan

    1998-01-01

    This paper investigates the role of bank lending in the monetary transmission process in the Netherlands. We observe significant differences between the responses of corporate and household lending following a monetary shock. We also find that banks hold a buffer stock of securities which they use to offset monetary shocks. The main implication of our study is that a bank lending channel is not likely to be an important transmission mechanism of monetary policy.

  20. [Wide support for oocyte donation and banking in the Netherlands].

    Science.gov (United States)

    Bos, Annelies M E; Klapwijk, Petra; Fauser, Bart C J M

    2012-01-01

    To assess the general consensus on the cryopreservation of oocytes and the introduction of oocyte banking facilities in the Netherlands. Poll investigation A poll with the use of an online questionnaire was conducted among nearly 19,000 participants of the Dutch EenVandaag opinion panel in May 2011. The poll results were adjusted to the Dutch population based on data from the Dutch Central Office for Statistics for age, gender, education, marital status, geographical area and political preference (measured according to the lower house elections of 2010). The primary endpoints were the percentages of supporters of oocyte freezing for own future use and of the concept of introducing oocyte banking facilities in The Netherlands. The secondary endpoints were the demographic differences between supporters and opponents. Approximately half of 18.911 participants supported oocyte freezing (47%). Fifty-percent of all participants supported oocyte banking in the Netherlands. Supporters of oocyte freezing were mainly women ≤ 45 years of age, who are highly educated and have no children. Four percent of the participating women aged ≤ 45 years would seriously consider obtaining donor oocytes from an available oocyte banking facility. Twelve percent of the participating women ≤ 45 years of age said they would definitely donate their oocytes or would seriously consider donating. Thirty-seven percent of all participants were against the introduction of oocyte banking facilities. The most important arguments against oocyte freezing were that women should reproduce during normal reproductive years and that it was not medically necessary. Poll results showed much support for oocyte freezing and for the introduction of oocyte banking facilities in the Netherlands. In addition, the poll shows that oocyte banking facilities would fulfil a need in the population.

  1. 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

  2. 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…

  3. 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

  4. The Text of the Agreement of 5 April 1973 between The Netherlands and the Agency for the Application of Safeguards with Respect to The Netherlands Antilles in Connection with the Treaty on the Non-Proliferation of Nuclear Weapons and Additional Protocol 1 to the Treaty for the Prohibition of Nuclear Weapons in Latin America

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    1976-01-09

    The text of the Agreement of 5 April 1973, and of the two Protocols thereto, between The Netherlands and the Agency for the application of safeguards with respect to The Netherlands Antilles in connection with the Treaty on the Non-Proliferation of Nuclear Weapons and with Additional Protocol I to the Treaty for the Prohibition of Nuclear Weapons in Latin America is reproduced in this document for the information of all Members. The Agreement and the two Protocols thereto entered into force on 5 June 1975, pursuant to Article 24 of the Agreement and to Article II of each of the Protocols.

  5. Identifying the mechanism : is there a bank lending channel of monetary transmission in the Netherlands?

    NARCIS (Netherlands)

    Kakes, J

    The paper investigates the role of bank lending in the monetary transmission process in the Netherlands. The Johansen approach is used to identify supply and demand relationships in the credit market, and it is concluded from the short-run dynamics that this market is demand-determined. In this way,

  6. Netherlands

    International Nuclear Information System (INIS)

    2002-10-01

    The energy policy and the institutions of the Netherlands are presented and analyzed. A special attention is given o the enterprises of the energy sector, the supplying of each fossil fuels, the prices policy, the energy consumption and the stakes and forecasts. Statistical data on economical indicators and energy accounting are also provided. (A.L.B.)

  7. French Antilles and Guiana.

    Science.gov (United States)

    1983-11-01

    This discussion of French Antilles and Guiana cover the following: the people, geography, history, government, political conditions, economy, and relations with the US. In 1983 the population totaled 303,000 with an annual growth rate of 0.09%. The infant mortality rate (1981) was 12.6/1000 and life expectancy 68 years. About 98% of the people of Martinique are of Afro European or Afro European Indian descent. The remainder are the old planter families and a sizable number of metropolitan French. Most of the work force are employed in agriculture or food processing and associated industries. Most permanent residents of Guadeloupe are of mixed Afro European descent. A few thousand Metropolitan French reside there. Most French Guianese live along the coast, about 1/2 of them in the capital. Martinique is the northernmost of the Windward Islands, which are part of the Lesser Antilles chain in the Caribbean Sea southeast of Puerto Rico. Guadeloupe comprises 2 of the Leeward Islands, which are also part of the Lesser Antilles chain. French Guiana is located on the northern coast of South America, a few degrees north of the Equator. Indians were the 1st known indigenous inhabitants of French Guiana and the French Antilles. Columbus sighted Guadeloupe in 1493, Martinique in 1493 or 1502, and the Guiana coast probably during his 3rd voyage in 1498. French Guiana, Guadeloupe, and Martinique, as overseas departments of France since 1946, are integral parts of the French Republic. Their relationship to Metropolitan France is somewhat similar to that of Alaska and Hawaii to the counterminous US. Each department has a general council composed of 1 representative elected by each canton. Guadeloupe and Martinique each elect 2 senators to the French Senate and 3 deputies to the National Assembly. French Guiana elects 1 senator and 1 deputy. In each of the 3 departments exist individuals and small political parties that advocate immediate independence, but their adherents form only

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

    NARCIS (Netherlands)

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

    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

  9. The Caribbean Netherlands, five years after the transition

    NARCIS (Netherlands)

    Evert Pommer; Rob Bijl .

    2015-01-01

    Original title: Vijf jaar Caribisch Nederland On 10 October 2010 the islands of Bonaire, Sint Eustatius and Saba, under the flag of the Caribbean Netherlands, acquired the status of new Dutch public bodies, as part of the Netherlands. This transition marked the end of the Netherlands Antilles as

  10. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2016-11-01

    The thaw period was a kind of bank from which our country set sail towards unexplored horizons. The series on the Moscow Palace of Young Pioneers is continued by the article by Felix Novikov (144-151, who writes about the history of the design of this wonderful building, today’s monument of architecture of Soviet modernism.

  11. Opisthobranchs from the Lesser Antilles

    NARCIS (Netherlands)

    Bois-Reymond Marcus, Eveline du; Marcus, Ernst

    1963-01-01

    Thanks to help of the Government of the Netherlands, Dr. DIVA DINIZ CORRÊA, a lecturer in our Department, was able to work at the “Caraïbisch Marien-Biologisch Instituut” (Caribbean Marine Biological Institute; Carmabi) Curaçao, from January to July 1962. Besides actinians and nemerteans for her own

  12. 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

  13. 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

  14. 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.

  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.

    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

  16. Taino and African maternal heritage in the Greater Antilles.

    Science.gov (United States)

    Bukhari, Areej; Luis, Javier Rodriguez; Alfonso-Sanchez, Miguel A; Garcia-Bertrand, Ralph; Herrera, Rene J

    2017-12-30

    Notwithstanding the general interest and the geopolitical importance of the island countries in the Greater Antilles, little is known about the specific ancestral Native American and African populations that settled them. In an effort to alleviate this lacuna of information on the genetic constituents of the Greater Antilles, we comprehensively compared the mtDNA compositions of Cuba, Dominican Republic, Haiti, Jamaica and Puerto Rico. To accomplish this, the mtDNA HVRI and HVRII regions, as well as coding diagnostic sites, were assessed in the Haitian general population and compared to data from reference populations. The Taino maternal DNA is prominent in the ex-Spanish colonies (61.3%-22.0%) while it is basically non-existent in the ex-French and ex-English colonies of Haiti (0.0%) and Jamaica (0.5%), respectively. The most abundant Native American mtDNA haplogroups in the Greater Antilles are A2, B2 and C1. The African mtDNA component is almost fixed in Haiti (98.2%) and Jamaica (98.5%), and the frequencies of specific African haplogroups vary considerably among the five island nations. The strong persistence of Taino mtDNA in the ex-Spanish colonies (and especially in Puerto Rico), and its absence in the French and English excolonies is likely the result of different social norms regarding mixed marriages with Taino women during the early years after the first contact with Europeans. In addition, this article reports on the results of an integrative approach based on mtDNA analysis and demographic data that tests the hypothesis of a southward shift in raiding zones along the African west coast during the period encompassing the Transatlantic Slave Trade. Copyright © 2017 Elsevier B.V. All rights reserved.

  17. The New Banking Union Landscape in Europe: Consolidation Ahead?

    NARCIS (Netherlands)

    D. Schoenmaker (Dirk)

    2017-01-01

    textabstractThe establishment of the Banking Union (B.U.) creates a large banking market comparable to that of the U.S. This paper calculates the market share of the top 20 banks in the new B.U. France appears to take a prominent place with 5 banks in the top 10, followed by Germany, the Netherlands

  18. Investment in sustainable electricity production by Dutch banks. A case study for the Fair Bank Guide

    International Nuclear Information System (INIS)

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

    2010-05-01

    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) [nl

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

    Science.gov (United States)

    1965-05-01

    srpport, and veloped for use in the tropic, would provide protection thealements myeound inrthe Subsections on Air, against Inscts wherever food is being...oi I𔃾 it.( halal .................... 1 t 01 2 at Wra ol Illioull ...................... .. in 09 011 47 ,7K (Iroot Sint Jorlm ................ 13 (I

  20. Genetic variation within Symbiodinium clade B from the coral genus Madracis in the Caribbean (Netherlands Antilles)

    NARCIS (Netherlands)

    Diekmann, O.E.; Olsen, J.L.; Stam, W.T.; Bak, R.P M

    The internal transcribed spacer (ITS) region was sequenced in symbiotic dinoflagellates (zooxanthellae) from five morphospecies in the genus Madracis. The phylogeny of the symbionts is congruent with a companion phylogeny of the coral host. Comparison with known clade B symbiont ITS types reveals

  1. 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

  2. Foraminifera from the tidal zone in the Netherlands Antilles and other West Indian Islands

    NARCIS (Netherlands)

    Hofker, J.

    1964-01-01

    Through the kindness of Dr. P. WAGENAAR HUMMELINCK the author was enabled to study a number of samples from localities in the tidal zone of several West Indian islands. Previously, by courtesy of Dr. T. MORTENSEN, abundant material from some deepwater samples collected off Santa Cruz, Virgin

  3. 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

  4. Surveillance and Spatial Characterization of Aedes aegypti in Sint Eustatius, Netherlands Antilles

    Science.gov (United States)

    2013-05-08

    blood vessels into the peritoneum (causing ascites) and pleural cavity (4). A patient with DHF or severe dengue will have a low platelet count and...copies. Through the addition of primers, buffer, and thermal cycling, this technique denatures and anneals targeted DNA/RNA sequences to generate...conducted during the beginning of the wet season, prior to when peak mosquito populations would be expected to be present. In addition, due to the

  5. 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

  6. The Heteroptera of the Netherlands Antilles – V Tingidae (Lace Bugs)

    NARCIS (Netherlands)

    Drake, Carl J.; Cobben, R.H.

    1960-01-01

    The present paper is based upon the lace bugs, Family Tingidae, collected by the junior author in the West Indies, on the islands of Aruba, Curaçao, Bonaire, St. Martin, Saba, and St. Eustatius. This collection of several tingids comprises 17 species, including the five new forms described below.

  7. 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

  8. Strontium isotopic geochemistry of intrusive rocks, Puerto Rico, Greater Antilles

    International Nuclear Information System (INIS)

    Jones, L.M.; Kesler, S.E.

    1980-01-01

    The strontium isotope geochemistry is given for three Puerto Rican intrusive rocks: the granodioritic Morovis and San Lorenzo plutons and the Rio Blanco stock of quartz dioritic composition. The average calculated initial 87 Sr/ 86 Sr ratios are 0.70370, 0.70355 and 0.70408, respectively. In addition, the San Lorenzo data establish a whole-rock isochron of 71 +- 2 m.y., which agrees with the previously reported K-Ar age of 73 m.y. Similarity of most of the intrusive rocks in the Greater Antilles with respect to their strontium isotopic geochemistry regardless of their major element composition indicates that intrusive magmas with a wide range of composition can be derived from a single source material. The most likely source material, in view of the available isotopic data, is the mantle wedge overlying the subduction zone. (orig.)

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

    International Nuclear Information System (INIS)

    Gibert, Dominique; Beauducel, Francois; Lesparre, Nolwenn; Tarantola, Albert; Declais, Yves; Marteau, Jacques; Nicollin, Florence

    2010-01-01

    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 Pelee in Martinique, La Soufriere in Guadeloupe, and the Soufriere 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 Soufriere in Guadeloupe. (author)

  10. 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.

  11. Modeling of Marine Natural Hazards in the Lesser Antilles

    Science.gov (United States)

    Zahibo, Narcisse; Nikolkina, Irina; Pelinovsky, Efim

    2010-05-01

    The Caribbean Sea countries are often affected by various marine natural hazards: hurricanes and cyclones, tsunamis and flooding. The historical data of marine natural hazards for the Lesser Antilles and specially, for Guadeloupe are presented briefly. Numerical simulation of several historical tsunamis in the Caribbean Sea (1755 Lisbon trans-Atlantic tsunami, 1867 Virgin Island earthquake tsunami, 2003 Montserrat volcano tsunami) are performed within the framework of the nonlinear-shallow theory. Numerical results demonstrate the importance of the real bathymetry variability with respect to the direction of propagation of tsunami wave and its characteristics. The prognostic tsunami wave height distribution along the Caribbean Coast is computed using various forms of seismic and hydrodynamics sources. These results are used to estimate the far-field potential for tsunami hazards at coastal locations in the Caribbean Sea. The nonlinear shallow-water theory is also applied to model storm surges induced by tropical cyclones, in particular, cyclones "Lilli" in 2002 and "Dean" in 2007. Obtained results are compared with observed data. The numerical models have been tested against known analytical solutions of the nonlinear shallow-water wave equations. Obtained results are described in details in [1-7]. References [1] N. Zahibo and E. Pelinovsky, Natural Hazards and Earth System Sciences, 1, 221 (2001). [2] N. Zahibo, E. Pelinovsky, A. Yalciner, A. Kurkin, A. Koselkov and A. Zaitsev, Oceanologica Acta, 26, 609 (2003). [3] N. Zahibo, E. Pelinovsky, A. Kurkin and A. Kozelkov, Science Tsunami Hazards. 21, 202 (2003). [4] E. Pelinovsky, N. Zahibo, P. Dunkley, M. Edmonds, R. Herd, T. Talipova, A. Kozelkov and I. Nikolkina, Science of Tsunami Hazards, 22, 44 (2004). [5] N. Zahibo, E. Pelinovsky, E. Okal, A. Yalciner, C. Kharif, T. Talipova and A. Kozelkov, Science of Tsunami Hazards, 23, 25 (2005). [6] N. Zahibo, E. Pelinovsky, T. Talipova, A. Rabinovich, A. Kurkin and I

  12. 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

  13. 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.

  14. Islamic banking

    OpenAIRE

    Pak, Viktoriya

    2010-01-01

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

  15. Banking contracts

    OpenAIRE

    Durčáková, Klára

    2010-01-01

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

  16. Stratigraphy of the Grande Savane Ignimbrite Sequence, Dominica, Lesser Antilles

    Science.gov (United States)

    Schneider, S.; Smith, A. L.; Deuerling, K.; Killingsworth, N.; Daly, G.

    2007-12-01

    The island of Dominica, located in the central part of the Lesser Antilles island arc has eight potentially active volcanoes. One of these, Morne Diablotins, is a composite stratovolcano with several superimposed stratigraphic sequences ranging in age from Pliocene (4-2 Ma) to "Younger" Pleistocene (22,000 and >40,000 years B.P. The ignimbrite sequences form four flow fans that reached both the east and west coasts of the island. One of these flow fans, the Grande Savane, on the west coast of the island, also extends off-shore for a distance of at least 14 km as a distinctive submarine fan. Stratigraphical studies of the on- shore deposits that make up this fan indicate an older sequence of block and ash flow deposits, within which occurs a distinctive vulcanian fall deposit. These are overlain, with no evidence of an intervening paleosol, by a sequence of ignimbrites containing welded horizons (ranging in thickness from around 4 m to 16m). The lack of fall deposits beneath the ignimbrites suggest they may have been formed by instantaneous continuous collapse of the eruption column. This whole succession is overlain by a series of planar and dune bedded pumiceous surge deposits with interbedded pumiceous lapilli fall and ash fall deposits, that extend laterally outside of the main area of ignimbrite deposition. Beds within this upper sequence often contain accretionary lapilli and gas cavities suggesting magma-water interaction. The youngest deposits from Morne Diablotins appear to be valley- fill deposits of both ignimbrite and block and ash flow. A comparison of the of the Grande Savane pyroclastic sequence with the Pointe Ronde (west coast) and Londonderry (east coast) pyroclastic flow fans will provide information on the eruptive history of this major Plinian episode.

  17. Boron isotope ratios of surface waters in Guadeloupe, Lesser Antilles

    Energy Technology Data Exchange (ETDEWEB)

    Louvat, Pascale, E-mail: louvat@ipgp.fr [Geochimie et Cosmochimie, IPGP, Universite Paris Diderot, Sorbonne Paris Cite, UMR 7154 CNRS, 75005 Paris (France); Gaillardet, Jerome; Paris, Guillaume; Dessert, Celine [Geochimie et Cosmochimie, IPGP, Universite Paris Diderot, Sorbonne Paris Cite, UMR 7154 CNRS, 75005 Paris (France)

    2011-06-15

    Highlights: > Rivers outer of hydrothermal areas have d11B around 40 per mille and [B] of 10-31 {mu}g/L. > Thermal springs have d11B of 8-15 per mille and [B] between 250 and 1000 {mu}g/L. > With Na, SO{sub 4} and Cl, boron shows mixing of rain, low and high-T weathering inputs. > Guadeloupe rivers and thermal springs have d11B 20-40 per mille higher than the local rocks. > Solid-solution fractionation during weathering pathways may explain this gap of d11B. - Abstract: Large variations are reported in the B concentrations and isotopic ratios of river and thermal spring waters in Guadeloupe, Lesser Antilles. Rivers have {delta}{sup 11}B values around 40 per mille and B concentrations lower than 30 {mu}g/L, while thermal springs have {delta}{sup 11}B of 8-15 per mille and B concentrations of 250-1000 {mu}g/L. River samples strongly impacted by hydrothermal inputs have intermediate {delta}{sup 11}B and B contents. None of these surface water samples have {delta}{sup 11}B comparable to the local unweathered volcanic rocks (around 0 per mille), implying that a huge isotopic fractionation of 40 per mille takes place during rock weathering, which could be explained by preferential incorporation of {sup 10}B during secondary mineral formation and adsorption on clays, during rock weathering or in the soils. The soil-vegetation B cycle could also be a cause for such a fractionation. Atmospheric B with {delta}{sup 11}B of 45 per mille represents 25-95% of the river B content. The variety of the thermal spring chemical composition renders the understanding of B behavior in Guadeloupe hydrothermal system quite difficult. Complementary geochemical tracers would be helpful.

  18. Boron isotope ratios of surface waters in Guadeloupe, Lesser Antilles

    International Nuclear Information System (INIS)

    Louvat, Pascale; Gaillardet, Jerome; Paris, Guillaume; Dessert, Celine

    2011-01-01

    Highlights: → Rivers outer of hydrothermal areas have d11B around 40 per mille and [B] of 10-31 μg/L. → Thermal springs have d11B of 8-15 per mille and [B] between 250 and 1000 μg/L. → With Na, SO 4 and Cl, boron shows mixing of rain, low and high-T weathering inputs. → Guadeloupe rivers and thermal springs have d11B 20-40 per mille higher than the local rocks. → Solid-solution fractionation during weathering pathways may explain this gap of d11B. - Abstract: Large variations are reported in the B concentrations and isotopic ratios of river and thermal spring waters in Guadeloupe, Lesser Antilles. Rivers have δ 11 B values around 40 per mille and B concentrations lower than 30 μg/L, while thermal springs have δ 11 B of 8-15 per mille and B concentrations of 250-1000 μg/L. River samples strongly impacted by hydrothermal inputs have intermediate δ 11 B and B contents. None of these surface water samples have δ 11 B comparable to the local unweathered volcanic rocks (around 0 per mille), implying that a huge isotopic fractionation of 40 per mille takes place during rock weathering, which could be explained by preferential incorporation of 10 B during secondary mineral formation and adsorption on clays, during rock weathering or in the soils. The soil-vegetation B cycle could also be a cause for such a fractionation. Atmospheric B with δ 11 B of 45 per mille represents 25-95% of the river B content. The variety of the thermal spring chemical composition renders the understanding of B behavior in Guadeloupe hydrothermal system quite difficult. Complementary geochemical tracers would be helpful.

  19. First Evidence of Angiostrongyliasis Caused by Angiostrongylus cantonensis in Guadeloupe, Lesser Antilles

    Science.gov (United States)

    Dard, Céline; Piloquet, Jean-Eudes; Qvarnstrom, Yvonne; Fox, LeAnne M.; M'kada, Helmi; Hebert, Jean-Christophe; Mattera, Didier; Harrois, Dorothée

    2017-01-01

    Infection by the rat lungworm Angiostrongylus cantonensis represents the most common cause of infectious eosinophilic meningitis in humans, causing central nervous system (CNS) angiostrongyliasis. Most of CNS angiostrongyliasis cases were described in Asia, Pacific Basin, Australia, and some limited parts of Africa and America. CNS angiostrongyliasis has been reported in the Caribbean but never in the Lesser Antilles. The primary objectives of this study were to depict the first case of CNS angiostrongyliasis in the Lesser Antilles and investigate the environmental presence of A. cantonensis in Guadeloupe, Lesser Antilles. In December 2013, a suspected case of CNS angiostrongyliasis in an 8-month-old infant in Guadeloupe was investigated by real-time polymerase chain reaction (PCR) testing on cerebral spinal fluid (CSF). The environmental investigation was performed by collecting Achatina fulica molluscs from different parts of Guadeloupe and testing the occurrence of A. cantonensis by real-time PCR. CSF from the suspected case of angiostrongyliasis was positive for A. cantonensis by real-time PCR. Among 34 collected snails for environmental investigation, 32.4% were positive for A. cantonensis. In conclusion, we report the first laboratory-confirmed case of CNS-angiostrongyliasis in the Lesser Antilles. We identified the presence and high prevalence of A. cantonensis in A. fulica in Guadeloupe. These results highlight the need to increase awareness of this disease and implement public health programs in the region to prevent human cases of angiostrongyliasis and improve management of eosinophilic meningitis patients. PMID:28070007

  20. About Banking.

    Science.gov (United States)

    Pieslak, Raymond F.

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

  1. Relationship Banking in Labor Bank

    OpenAIRE

    三村, 聡

    2012-01-01

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

  2. Is shadow banking really banking?

    OpenAIRE

    Bryan J. Noeth; Rajdeep Sengupta

    2011-01-01

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

  3. 76 FR 7849 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-02-11

    ... Federal Reserve Bank indicated. The notices also will be available for inspection at the offices of the... South LaSalle Street, Chicago, Illinois 60690-1414: 1. Charles M. Shea, Wilmette, Illinois; as an..., Chicago, Illinois, Charles M. Shea, Wilmette, Illinois, as Trustee, and Molly Boed, Wassenaar, Netherlands...

  4. 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

  5. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    OpenAIRE

    IMOLA DRIGĂ

    2014-01-01

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

  6. Biomass and relative coverage of benthic algae in the fore-reef of Curacao (Netherlands Antilles) in relation to production

    Energy Technology Data Exchange (ETDEWEB)

    de Ruyter van Stevenick, E.D.; Breeman, A.M.

    1981-11-15

    Biomass of benthic algae, expressed as chlorophyll a content (..mu..g cm/sup -2/) and as dry weight (mg cm/sup -2/) per substrate surface area in the coral reef of Curacao at 12 m and 25 m depth was measured from August 1978 to March 1979. To determine dry weights, substrates containing endolithic and epilithic algae were oxidized by means of wet combustion with hydrogen peroxide. Loss of weight caused by this process was regarded as algal dry weight. The crustose corallines Archaeolithothamnion dimotum Fosl. et Howe (25 m), Hydrolithon boergesenii (Fosl.) Fosl. (12 m and 25 m) and Lithophyllum cf. intermedium Fosl. (12 m), vegetations of endolithic algae dominated by Ostreobium quekettii Born. et Flah. (12 m and 25 m), and mixed turfs of epilithic filamentous algae and sometimes Lithophyllum cf. intermedium on substrates containing endolithic algae (12 m and 25 m) were examined. Chlorophyll a values ranged from 8.7 ..mu..g cm/sup -2/ for H. boergesenii at 12 m to 20.5 ..mu..g cm/sup -2/ for epilithic filamentous algae on substrates containing endolithic algae at 25 m. Dry weights varied from 12.7 mg cm/sup -2/ for L. cf. intermedium at 12 m to 25.7 mg cm/sup -2/ for epilithic filamentous algae on substrates containing endolithic algae at 25 m. Both at 12 m and 25 m, differences in chlorophyll a content and dry weights between substrates containing endolithic algae with and without epilithic filamentous algae were low. Biomass of endolithic algae is quantitatively more important than that of epilithic filamentous algae. It is concluded that, at 12 m, biomass of the algal vegetation as a whole is lowest while production is highest. This is attributed to maximum grazing pressure at this depth ('drop off' community), especially on epilithic filamentous algae.

  7. 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

  8. Tides in the Last Interglacial: insights from notch geometry and palaeo tidal models in Bonaire, Netherland Antilles.

    Science.gov (United States)

    Lorscheid, Thomas; Felis, Thomas; Stocchi, Paolo; Obert, J Christina; Scholz, Denis; Rovere, Alessio

    2017-11-24

    The study of past sea levels relies largely on the interpretation of sea-level indicators. Palaeo tidal notches are considered as one of the most precise sea-level indicators as their formation is closely tied to the local tidal range. We present geometric measurements of modern and palaeo (Marine Isotope Stage (MIS) 5e) tidal notches on Bonaire (southern Caribbean Sea) and results from two tidal simulations, using the present-day bathymetry and a palaeo-bathymetry. We use these two tools to investigate changes in the tidal range since MIS 5e. Our models show that the tidal range changes most significantly in shallow areas, whereas both, notch geometry and models results, suggest that steeper continental shelves, such as the ones bordering the island of Bonaire, are less affected to changes in tidal range in conditions of MIS 5e sea levels. We use our data and results to discuss the importance of considering changes in tidal range while reconstructing MIS 5e sea level histories, and we remark that it is possible to use hydrodynamic modelling and notch geometry as first-order proxies to assess whether, in a particular area, tidal range might have been different in MIS 5e with respect to today.

  9. 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

  10. 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.

    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

  11. 76 FR 54928 - Export Administration Regulations: Netherlands Antilles, Curaçao, Sint Maarten and Timor-Leste

    Science.gov (United States)

    2011-09-06

    ..., Bureau of Industry and Security, U.S. Department of Commerce at 202-482-2440 or by e-mail: Sharron.Cook... DEPARTMENT OF COMMERCE Bureau of Industry and Security 15 CFR Parts 738, 740, 745, and 748 [Docket...[ccedil]ao, Sint Maarten and Timor-Leste AGENCY: Bureau of Industry and Security, Commerce. ACTION: Final...

  12. Retail payments in the Netherlands : Facts and theory

    NARCIS (Netherlands)

    Bolt, Wilko

    Over the last decade, the Netherlands observed a rapid shift from cash and paper-based payment instruments toward electronic payment instruments. Banks are well aware that transaction pricing can speed up the shift to low-cost electronic payments. But payment pricing is a complex matter, due to

  13. Ancient xenocrystic zircon in young volcanic rocks of the southern Lesser Antilles island arc

    Science.gov (United States)

    Rojas-Agramonte, Yamirka; Williams, Ian S.; Arculus, Richard; Kröner, Alfred; García-Casco, Antonio; Lázaro, Concepción; Buhre, Stephan; Wong, Jean; Geng, Helen; Echeverría, Carlos Morales; Jeffries, Teresa; Xie, Hangqian; Mertz-Kraus, Regina

    2017-10-01

    The Lesser Antilles arc is one of the best global examples in which to examine the effects of the involvement of subducted sediment and crustal assimilation in the generation of arc crust. Most of the zircon recovered in our study of igneous and volcaniclastic rocks from Grenada and Carriacou (part of the Grenadines chain) is younger than 2 Ma. Within some late Paleogene to Neogene ( 34-0.2 Ma) lavas and volcaniclastic sediments however, there are Paleozoic to Paleoarchean ( 250-3469 Ma) xenocrysts, and Late Jurassic to Precambrian zircon ( 158-2667 Ma) are found in beach and river sands. The trace element characteristics of zircon clearly differentiate between different types of magmas generated in the southern Lesser Antilles through time. The zircon population from the younger arc (Miocene, 22-19 Ma, to Present) has minor negative Eu anomalies, well-defined positive Ce anomalies, and a marked enrichment in heavy rare earth elements (HREE), consistent with crystallization from very oxidized magmas in which Eu2 + was in low abundance. In contrast, zircon from the older arc (Eocene to mid-Oligocene, 30-28 Ma) has two different REE patterns: 1) slight enrichment in the light (L)REE, small to absent Ce anomalies, and negative Eu anomalies and 2) enriched High (H)REE, positive Ce anomalies and negative Eu anomalies (a similar pattern is observed in the xenocrystic zircon population). The combination of positive Ce and negative Eu anomalies in the zircon population of the older arc indicates crystallization from magmas that were variably, but considerably less oxidized than those of the younger arc. All the igneous zircon has positive εHf(t), reflecting derivation from a predominantly juvenile mantle source. However, the εHf(t) values vary significantly within samples, reflecting considerable Hf isotopic heterogeneity in the source. The presence of xenocrystic zircon in the southern Lesser Antilles is evidence for the assimilation of intra-arc crustal sediments and

  14. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2014-12-01

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

  15. BANK GUARANTEES

    OpenAIRE

    Vasile NEME

    2012-01-01

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

  16. K-Ar geochronology and palaeomagnetism of volcanic rocks in the lesser Antilles island arc

    International Nuclear Information System (INIS)

    Briden, J.C.; Rex, D.C.; Faller, A.M.; Tomblin, J.F.

    1979-01-01

    K-Ar age determinations on rocks and minerals from 95 locations in the Lesser Antilles. An age range of 38 - 10 million years was found for the outer arc (Limestone Caribbees) but less than 7.7 million years in the inner arc (Volcanic Caribbees). From Martinique southwards the two arcs are superimposed. These age ranges fit between discontinuities in sea floor spreading in the North Atlantic at about 38 and 9 million years and a causal connection between spreading change and relocation of arc volcanicity is suggested. Paleomagnetic directions at 108 localities in 10 islands fall into normal and reversed groups with 6 sites intermediate and 5 indeterminate. The mean dipole axis is within 2% of the present rotation axis. The data generally agrees with the established geomagnetic polarity time scale but there is some suggestion of a normal polarity event at about 1.18 million years. The paleomagnetic data suggest that in the past 10 million years the Lesser Antilles have not changed their latitude or geographical orientation and the geomagnetic field has averaged that of a central axial dipole. (author)

  17. Sero-epidemiological survey on bovine tick-borne diseases in the Lesser Antilles

    International Nuclear Information System (INIS)

    Camus, E.; Maran, M.; Montenegro-James, S.; Accipe, A.

    1998-01-01

    As part of a tick-borne disease control programme in the Lesser Antilles, studies were undertaken to determine the prevalence of cowdriosis, babesiosis and anaplasmosis in an effort to determine what the impact of tick eradication would be. The epidemiological situation for bovine babesiosis and anaplasmosis is unstable in all the islands of the Lesser Antilles, but the clinical cases are only recorded in imported breeds, which represent less than 5% of the cattle population. The native cattle population react as if naturally resistant. When the A. variegatum tick eradication campaign begins, it will be necessary, by the end of the acaricide treatment regime, to immunize all the imported cattle born during that period, and possibly all of the seronegative imported cattle already on the islands. Both Antigua and Guadeloupe have a long history of infestation with the tick and both have experienced clinical cases of cowdriosis. On the other islands, less than 6% of the sera were positive and this correlates well also with an apparent absence of clinical cases of cowdriosis. (author)

  18. 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

  19. RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

    OpenAIRE

    PAKSOY, H. Mustafa; ABAROSS, Nour

    2015-01-01

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

  20. Netherlands' participation in SBWR

    International Nuclear Information System (INIS)

    Brink, J.M. van den

    1991-01-01

    The Netherlands are running a Program for Intensifying Nuclear Knowhow (PINK) including design and safety analysis of enhanced-safety LWRs in order to train young engineers. The parties of PINK are: GKN (Operator of Dodewaard), KEMA (Research Institute of the Netherlands' Utilities), ECN (Netherlands' Energy Research Foundation), IRI (Interfaculty Reactor Institute of the Delft University of Technology) and Nucon (a division of Comprimo). The Dodewaard BWR has natural convection coolant circulation. This has influenced the decision by KEMA and Nucon in 1989 in discussion with General Electric Nuclear Energy to contribute to its Simplified BWR program

  1. The role of porosity in discriminating between tsunami and hurricane emplacement of boulders — A case study from the Lesser Antilles, southern Caribbean

    Science.gov (United States)

    Spiske, Michaela; Böröcz, Zoltán; Bahlburg, Heinrich

    2008-04-01

    Coastal boulder deposits are a consequence of high-energy wave impacts, such as storms, hurricanes or tsunami. Parameters useful for distinguishing between hurricane and tsunami origins include distance of a deposit from the coast, boulder weight and inferred wave height. In order to investigate the role of porosity on boulder transport and elucidate the distinction between tsunami and hurricane impacts, we performed Archimedean and optical 3D-profilometry measurements for the determination of accurate physical parameters for porous reef and coral limestone boulders from the islands of Aruba, Bonaire and Curaçao (ABC Islands, Netherlands Antilles, Leeward Islands). Subsets of different coral species and lithotypes constituting the boulders were sampled, the physical parameters of boulders were analyzed, and each boulder component was attributed to a certain range of porosity and density. Lowest porosities were observed in calcarenite (5-8%), whereas highest porosities were measured for serpulid reef rock (47-68%). Porous serpulid reef rock (0.8-1.2 g/cm 3) and the coral Diploria sp. (0.6-1.0 g/cm 3) possess the lowest bulk densities, while less porous calcarenite (2.0-2.7 g/cm 3) and the coral Montastrea cavernosa yield the highest bulk density values (1.6-2.7 g/cm 3). The obtained physical parameters were used to calculate boulder weights and both hurricane and tsunami wave heights necessary to initiate transport of these boulders. Boulders are up to 5.6 times lighter than given in previously published data, and hence required minimum hurricane or tsunami waves are lower than hitherto assumed. The calculated wave heights, the high frequency of tropical storms and hurricanes in the southern Caribbean and the occurrence of boulders exclusively on the windward sides of the islands, implicate that for boulders on the ABC Islands a hurricane origin is more likely than a tsunami origin.

  2. The distribution of seagrasses in Dominica, Lesser Antilles

    Directory of Open Access Journals (Sweden)

    S.C.C Steiner

    2010-10-01

    Full Text Available 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 24m, 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 18m 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 1m 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 (Pastos marinos son los ambientes más grandes constituidos por organismos en Dominica. Sin embargo, sólo se han examinado desde 2007. Entre el 10 de septiembre y 9 de diciembre 2008, se examinaron la composicion de especies y la densidad de magnoliofitas en profundidades de 0 a 24m. Los Cymodoceaceae: Syringodium filiforme y Halodule wrightii, tal como los Hydrocharitaceae: Halophila decipiens, H. stipulacea y Thalassia testudinum, mostraron una distribución regional y horizontal muy distinta. Syringodium filiforme fue la especie dominante en las costas del oeste y del norte de la isla. Se encontró en profundidades de 2 a 18m y con un promedio de cobertura béntica de 0.9-10% en la costa del oeste. En las costas del norte creció entre 0.2 y 1m de profundidad con un pormedio de cobertura béntica de 48.9%. Halodule

  3. 12 CFR 619.9140 - Farm Credit bank(s).

    Science.gov (United States)

    2010-01-01

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

  4. 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

  5. Nuclear law Netherlands

    International Nuclear Information System (INIS)

    Bischof, W.

    1976-01-01

    This publication gives, in Dutch and German, a comprehensive survey of the Netherland's current law in the field of reactor safety and radiation protection, including a survey of international agreements. (orig./HP) [de

  6. 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

  7. Astronomy in the Netherlands

    Science.gov (United States)

    Boland, Wilfried; Habing, Harm

    2013-01-01

    We describe the state of astronomical research in the Netherlands per early 2012. We add some notes on its history of this research and on the strategic choices for the future. Compared to the size of the country (16 million people) the Netherlands is maintaining a high profile in astronomical research over a period of more than one century. The professional research community consists of about 650 people. This includes research staff, postdocs, PhD students, technical staff working on instrumentation projects and people involved in the operations of ground-based telescopes and astronomical space missions. We do not take into account staff working for international organizations based in the Netherlands. Astronomical research in the Netherlands is carried out at four university institutes and two national research institutes that fall under the umbrella of the national funding agency NWO. The Netherlands is the host of two international organizations: ESTEC, the technology division of the European Space Agency (ESA), and the Joint Institute for VLBI in Europe (JIVE). The Netherlands are one of the founding members of the European Southern Observatory (ESO) and of ESA. This paper will address a number of significant multilateral collaborations.

  8. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

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

  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. A look into hurricane Maria rapid intensification using Meteo-France's Arome-Antilles model.

    Science.gov (United States)

    Pilon, R.; Faure, G.; Dupont, T.; Chauvin, F.

    2017-12-01

    Category 5 Hurricane Maria created a string of humanitarian crises. It caused billions of dollars of damage over the Caribbean but is also one of the worst natural disaster in Dominica.The hurricane took approximately 29 hours to strengthen from a tropical storm to a major category 5 hurricane. Here we present real-time forecasts of high resolution (2.5 km) Arome-Antilles regional model forced by real-time ECMWF's Integrated Forecasting System. The model was able to relatively represent well the rapid intensification of the hurricane whether it was in timing or in location of the eye and strength of its eye wall.We will present an outline of results.

  11. 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

  12. Commercial Banks

    Directory of Open Access Journals (Sweden)

    Abbas Asosheh

    2009-09-01

    Full Text Available Information systems outsourcing issues has been attracted in recent years because many information systems projects in organizations are done in this case. On the other hand, failure rate of this kind of projects is also high. The aim of this article is to find success factors in risk management of information systems outsourcing in commercial banks using these factors leads to increase the success rate of risk management of information systems outsourcing projects. Research methods in the present article based on purpose are applied and descriptive- survey. In addition, research tool is questionnaire which was used among commercial bank experts. For this purpose, First information systems outsourcing risks were identified and then ranked. In the next step, the information systems outsourcing reasons were surveyed and the most important reasons were identified. Then the risks which have not any relationship with the most important reasons were removed and success factors in managing residual risks were extracted.

  13. Electronic banking

    OpenAIRE

    Gradišnik, Monika

    2017-01-01

    The development of information and communication technology is one of the most important reasons for the incredibly fast changes in business. Electronic commerce is spreading unstoppably in the operations of companies. The creation of new models, such as online banking, online shopping and the like, has sped up the development of the World Wide Web. Owing to the rapid progress of the World Wide Web and technologies for secure business operations, we can barely imagine life today without e...

  14. Sequential Banking.

    OpenAIRE

    Bizer, David S; DeMarzo, Peter M

    1992-01-01

    The authors study environments in which agents may borrow sequentially from more than one leader. Although debt is prioritized, additional lending imposes an externality on prior debt because, with moral hazard, the probability of repayment of prior loans decreases. Equilibrium interest rates are higher than they would be if borrowers could commit to borrow from at most one bank. Even though the loan terms are less favorable than they would be under commitment, the indebtedness of borrowers i...

  15. 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.

  16. Simulating Retail Banking for Banking Students

    Science.gov (United States)

    Supramaniam, Mahadevan; Shanmugam, Bala

    2009-01-01

    The purpose of this study was to examine the implementation flow and development of retail bank management simulation based training system which could provide a comprehensive knowledge about the operations and management of banks for the banking students. The prototype of a Retail banking simulation based training system was developed based on…

  17. Netherlands Reactor Centre

    International Nuclear Information System (INIS)

    Anon.

    1976-01-01

    Briefly reviews the last year's work of the twenty year old Netherlands Reactor Centre (RCN) in the fields of reactor safety, fissile material, nuclear fission, non-nuclear energy systems and overseas co-operation. The annual report thus summarised is the last one to appear under the name of RCN. The terms of reference of the organisation having been broadened to include research into energy supply in general, it is to be known in future as the Netherlands Energy Research Centre (ECN). (D.J.B.)

  18. Food insecurity among Dutch food bank recipients: a cross-sectional study.

    NARCIS (Netherlands)

    Neter, J.E.; Dijkstra, S.C.; Visser, M.; Brouwer, I.A.

    2014-01-01

    Objective: To determine the prevalence of (very) low food security among Dutch food bank recipients, and to identify potential demographic, lifestyle and nutrition-related factors associated with (very) low food security. Setting: 11 of 135 Dutch food banks were selected throughout the Netherlands.

  19. Potential role of propagule banks in the development of aquatic vegetation in backwaters along navigation canals

    NARCIS (Netherlands)

    Boedeltje, G; Bakker, JP; ter Heerdt, GNJ

    The diversity and abundance of plant species in propagule banks of backwaters along two navigation canals in The Netherlands were studied in order to assess the relationship with the standing vegetation and the potential role of propagule banks in the establishment of (submerged) aquatic vegetation.

  20. Assessing storm surge hazard and impact of sea level rise in the Lesser Antilles case study of Martinique

    Science.gov (United States)

    Krien, Yann; Dudon, Bernard; Roger, Jean; Arnaud, Gael; Zahibo, Narcisse

    2017-09-01

    In the Lesser Antilles, coastal inundations from hurricane-induced storm surges pose a great threat to lives, properties and ecosystems. Assessing current and future storm surge hazards with sufficient spatial resolution is of primary interest to help coastal planners and decision makers develop mitigation and adaptation measures. Here, we use wave-current numerical models and statistical methods to investigate worst case scenarios and 100-year surge levels for the case study of Martinique under present climate or considering a potential sea level rise. Results confirm that the wave setup plays a major role in the Lesser Antilles, where the narrow island shelf impedes the piling-up of large amounts of wind-driven water on the shoreline during extreme events. The radiation stress gradients thus contribute significantly to the total surge - up to 100 % in some cases. The nonlinear interactions of sea level rise (SLR) with bathymetry and topography are generally found to be relatively small in Martinique but can reach several tens of centimeters in low-lying areas where the inundation extent is strongly enhanced compared to present conditions. These findings further emphasize the importance of waves for developing operational storm surge warning systems in the Lesser Antilles and encourage caution when using static methods to assess the impact of sea level rise on storm surge hazard.

  1. Coastal Management in the Netherlands

    NARCIS (Netherlands)

    Verhagen, H.J.; Pilarczyk, K.W.

    1992-01-01

    The coast is a very important aspect of life in the Netherlands. 60 % of the Netherlands is below the sea level, everyone lives less than 200 km from a beach, and for most people the sea is less than 50 km away. But in the Netherlands there is officially no Agency for Coastal Zone Management,

  2. Is banking supervision central to central banking?

    OpenAIRE

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

    1997-01-01

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

  3. Evidemce from the Netherlands

    NARCIS (Netherlands)

    Masurel, E.

    2004-01-01

    This article deals with different aspects relating to how SMEs in the city and urban surroundings of Amsterdam (the Netherlands) go about creating a more secure environment. Security and criminality appear to be important issues for them. One-third of the entrepreneurs do not feel particularly safe

  4. Mechatronics in the Netherlands

    NARCIS (Netherlands)

    van Amerongen, J.; 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

  5. 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,

  6. 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

  7. 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

  8. Syrians in the Netherlands

    NARCIS (Netherlands)

    Jaco Dagevos; Willem Huijnk; Mieke Maliepaard; Emily Miltenburg

    2018-01-01

    Original title: "Syriërs in Nederland" The large influx of refugees between 2014 and 2016 meant the Netherlands was faced with a major challenge in organising sufficient reception facilities, establishing an adequate asylum procedure and for those granted a residence permit,

  9. 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

  10. The Netherlands: [national report

    NARCIS (Netherlands)

    Rodenhuis, W.

    2009-01-01

    The article offers updates related to the activities of the Association of Music Libraries, Archives and Documentation (IAML) in 2009 the Netherlands. It notes that the Muziekcentrum Nederland (MCN) for professional music life was opened. It states that Dutch IAML's board has organized a marketing

  11. Psychotraumatology in the Netherlands

    NARCIS (Netherlands)

    Vermetten, Eric; Olff, Miranda

    2013-01-01

    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

  12. 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

  13. Food insecurity among Dutch food bank recipients: a cross-sectional study.

    OpenAIRE

    Neter, J.E.; Dijkstra, S.C.; Visser, M.; Brouwer, I.A.

    2014-01-01

    Objective: To determine the prevalence of (very) low food security among Dutch food bank recipients, and to identify potential demographic, lifestyle and nutrition-related factors associated with (very) low food security. Setting: 11 of 135 Dutch food banks were selected throughout the Netherlands. Participants: 251 Dutch food bank recipients participated in the study (93 men and 158 women). Inclusion criteria for participation were: (1) at least 18 years of age, (2) sufficiently fluent in Du...

  14. Banking system trust, bank trust, and bank loyalty

    NARCIS (Netherlands)

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

    2017-01-01

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

  15. Long-distance multistep sediment transfer at convergent plate margins (Barbados, Lesser Antilles)

    Science.gov (United States)

    Limonta, Mara; Garzanti, Eduardo; Resentini, Alberto; Andò, Sergio; Boni, Maria; Bechstädt, Thilo

    2015-04-01

    We present a regional provenance study of the compositional variability and long distance multicyclic transport of terrigenous sediments along the convergent and transform plate boundaries of Central America, from the northern termination of the Andes to the Lesser Antilles arc-trench system. We focus on high-resolution bulk-petrography and heavy-mineral analyses of modern beach and fluvial sediments and Cenozoic sandstones of Barbados island, one of the places in the world where an active accretionary prism is subaerially exposed (Speed et al., 2012). The main source of siliciclastic sediment in the Barbados accretionary prism is off-scraped quartzose to feldspatho-litho-quartzose metasedimentaclastic turbidites, ultimately supplied from South America chiefly via the Orinoco fluvio-deltaic system. Modern sand on Barbados island is either quartzose with depleted heavy-mineral suites recycled from Cenozoic turbidites and including epidote, zircon, tourmaline, andalusite, garnet, staurolite and chloritoid, or calcareous and derived from Pleistocene coral reefs. The ubiquitous occurrence of clinopyroxene and hypersthene, associated with green-brown kaersutitic hornblende in the north or olivine in the south, points to reworking of ash-fall tephra erupted from andesitic (St. Lucia) and basaltic (St. Vincent) volcanic centers in the Lesser Antilles arc transported by the prevailing anti-trade winds in the upper troposphere. Modern sediments on Barbados island and those shed by other accretionary prisms such as the Indo- Burman Ranges and Andaman-Nicobar Ridge (Garzanti et al., 2013) define the distinctive mineralogical signature of Subduction Complex Provenance, which is invariably composite. Detritus recycled dominantly from accreted turbidites and oceanic mudrocks is mixed in various proportions with detritus from the adjacent volcanic arc or carbonate reefs widely developed at tropical latitudes. Ophiolitic detritus may be locally prominent. Quantitative provenance

  16. Estimating hypothetical present-day insured losses for past intense hurricanes in the French Antilles

    Science.gov (United States)

    Thornton, James; Desarthe, Jérémy; Naulin, Jean-Philippe; Garnier, Emmanuel; Liu, Ye; Moncoulon, David

    2015-04-01

    On the islands of the French Antilles, the period for which systematic meteorological measurements and historic event loss data are available is short relative to the recurrence intervals of very intense, damaging hurricanes. Additionally, the value of property at risk changes through time. As such, the recent past can only provide limited insight into potential losses from extreme storms in coming years. Here we present some research that seeks to overcome, as far as is possible, the limitations of record length in assessing the possible impacts of near-future hurricanes on insured properties. First, using the archives of the French overseas departments (which included administrative and weather reports, inventories of damage to houses, crops and trees, as well as some meteorological observations after 1950) we reconstructed the spatial patterns of hazard intensity associated with three historical events. They are: i) the 1928 Hurricane (Guadeloupe), ii) Hurricane Betsy (1956, Guadeloupe) and iii) Hurricane David (1979, Martinique). These events were selected because all were damaging, and the information available on each is rich. Then, using a recently developed catastrophe model for hurricanes affecting Guadeloupe, Martinique, Saint-Barthélemy and Saint-Martin, we simulated the hypothetical losses to insured properties that the reconstructed events might cause if they were to reoccur today. The model simulated damage due to wind, rainfall-induced flooding and storm surge flooding. These 'what if' scenarios provided an initial indication of the potential present-day exposure of the insurance industry to intense hurricanes. However, we acknowledge that historical events are unlikely to repeat exactly. We therefore extended the study by producing a stochastic event catalogue containing a large number of synthetic but plausible hurricane events. Instrumental data were used as a basis for event generation, but importantly the statistical methods we applied permit

  17. Multiscaling properties of tropical rainfall: Analysis of rain gauge datasets in Lesser Antilles island environment

    Science.gov (United States)

    Bernard, Didier C.; Pasquier, Raphaël; Cécé, Raphaël; Dorville, Jean-François

    2014-05-01

    Changes in rainfall seem to be the main impact of climate change in the Caribbean area. The last conclusions of IPCC (2013), indicate that the end of this century will be marked by a rise of extreme rainfalls in tropical areas, linked with increase of the mean surface temperature. Moreover, most of the Lesser Antilles islands are characterized by a complex topography which tends to enhance the rainfall from synoptic disturbances by orographic effects. In the past five years, out of hurricanes passage, several extreme rainy events (approx. 16 mm in 6 minutes), including fatal cases, occurred in the Lesser Antilles Arc: in Guadeloupe (January 2011, May 2012 and 2013), in Martinique (May 2009, April 2011 and 2013), in Saint-Lucia (December 2013). These phenomena inducing floods, loss of life and material damages (agriculture sector and public infrastructures), inhibit the development of the islands. At this time, numerical weather prediction models as WRF, which are based on the equations of the atmospheric physics, do not show great results in the focused area (Bernard et al., 2013). Statistical methods may be used to examine explicitly local rainy updrafts, thermally and orographically induced at micro-scale. The main goal of the present insular tropical study is to characterize the multifractal symmetries occurring in the 6-min rainfall time series, registered since 2006 by the French Met. Office network weather stations. The universal multifractal model (Schertzer and Lovejoy, 1991) is used to define the statistical properties of measured rainfalls at meso-scale and micro-scale. This model is parametrized by a fundamental exponents set (H,a,C1,q) which are determined and compared with values found in the literature. The first three parameters characterize the mean pattern and the last parameter q, the extreme pattern. The occurrence ranges of multifractal regime are examined. The suggested links between the internal variability of the tropical rainy events and the

  18. New Perspective of Tsunami Deposit Investigations: Insight from the 1755 Lisbon Tsunami in Martinique, Lesser Antilles.

    Science.gov (United States)

    Roger, J.; Clouard, V.; Moizan, E.

    2014-12-01

    The recent devastating tsunamis having occurred during the last decades have highlighted the essential necessity to deploy operationnal warning systems and educate coastal populations. This could not be prepared correctly without a minimum knowledge about the tsunami history. That is the case of the Lesser Antilles islands, where a few handfuls of tsunamis have been reported over the past 5 centuries, some of them leading to notable destructions and inundations. But the lack of accurate details for most of the historical tsunamis and the limited period during which we could find written information represents an important problem for tsunami hazard assessment in this region. Thus, it is of major necessity to try to find other evidences of past tsunamis by looking for sedimentary deposits. Unfortunately, island tropical environments do not seem to be the best places to keep such deposits burried. In fact, heavy rainfalls, storms, and all other phenomena leading to coastal erosion, and associated to human activities such as intensive sugarcane cultivation in coastal flat lands, could caused the loss of potential tsunami deposits. Lots of places have been accurately investigated within the Lesser Antilles (from Sainte-Lucia to the British Virgin Islands) the last 3 years and nothing convincing has been found. That is when archeaological investigations excavated a 8-cm thick sandy and shelly layer in downtown Fort-de-France (Martinique), wedged between two well-identified layers of human origin (Fig. 1), that we found new hope: this sandy layer has been quickly attributed without any doubt to the 1755 tsunami, using on one hand the information provided by historical reports of the construction sites, and on the other hand by numerical modeling of the tsunami (wave heights, velocity fields, etc.) showing the ability of this transoceanic tsunami to wrap around the island after ~7 hours of propagation, enter Fort-de-France's Bay with enough energy to carry sediments, and

  19. 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 <1 as compared to areas of deficit/surplus of mass/volume identified on the volcanic edifice using (VolcanoFit 2

  20. 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.

  1. Cross-Border Banking

    OpenAIRE

    Jonathan Eaton

    1994-01-01

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

  2. 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.

  3. Internet Banking integration within the banking system

    Directory of Open Access Journals (Sweden)

    Constantin Marian MATEI

    2008-01-01

    Full Text Available Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture. SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system. For the Internet Banking applications, SOA proved to be the optimal architectural solution, for a smoth integration between banking services from the front-end to the back-end.This paper intend to offer an insite analyse of the Internet Banking applications architecture integrated with other banking systems. A SOA oriented analyse will establish the scope of the integration architecture.

  4. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

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

  5. Bone banking.

    Science.gov (United States)

    Howard, W

    1999-04-01

    The use of human organs and tissues for transplantation in Australia has increased significantly over the past 30 years. In 1997, the Australian Coordinating Committee on Organ Registries and Donation (ACCORD) reported a total number of 190 organ donors, 636 corneal donors and 1509 bone donors Australia wide. Of the 1509 bone donations, 143 came from cadaveric sources and 1366 were made by living donors. Bone transplantation is not as widely recognised as solid organ or corneal transplantation. Due to improved technology and surgical skills, the demand for bone transplantation has increased markedly. This Clinical Update will provide an overview of the physiological aspects of bone transplantation and explore bone banking, a key step in the complex and critical process of bone transplantation.

  6. Documentary-derived chronologies of rainfall variability in Antigua, Lesser Antilles, 1770–1890

    Directory of Open Access Journals (Sweden)

    A. J. Berland

    2013-06-01

    Full Text Available This paper presents the first extensive reconstruction of precipitation variability in the Lesser Antilles using historical documentary sources. Over 13 250 items of documentation pertaining to Antigua from the period 1769–1890 were consulted, including missionary, plantation and governmental papers as well as contemporary scholarly publications. Based on the predominant meteorological conditions observed throughout the island, each "rain-year" (December–November was assigned one of five classifications (very wet, wet, "normal", dry and very dry. Local weather references relating to seven plantations in central-eastern Antigua were grouped according to dry (December–April and wet seasons (May–November, each of which were also categorised in the aforementioned manner. Results comprise individual island-wide and central-eastern Antiguan chronologies of relative precipitation levels, spanning the rain-years 1769–70 to 1889–90 and 1769–70 to 1853–54 respectively. The former is compared with available instrumental data for the years 1870–1890. Significant dry phases are identified in the rain-years 1775–80, 1788–91, 1820–22, 1834–37, 1844–45, 1859–60, 1862–64, 1870–74 and 1881–82, while wet episodes were 1771–74, 1833–34, 1837–38, 1841–44, 1845–46 and 1878–81. Evidence for major wet and dry spells is presented and findings are evaluated within wider historical and palaeoclimatic contexts.

  7. 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.

  8. Probabilistic hurricane-induced storm surge hazard assessment in Guadeloupe, Lesser Antilles

    Science.gov (United States)

    Krien, Y.; Dudon, B.; Roger, J.; Zahibo, N.

    2015-08-01

    Current storm surge hazard maps in the French West Indies are essentially based on simple statistical methods using limited historical data and early low-resolution models which do not take the effect of waves into account. In this paper, we infer new 100-year and 1000-year surge levels in Guadeloupe from the numerical modelling of storm surges induced by a large set of synthetic events that are in statistical agreement with features of historical hurricanes in the North Atlantic Basin between 1980 and 2011. Computations are performed using the wave-current coupled model ADCIRC-SWAN with high grid resolutions (up to 40-60 m) in the coastal and wave dissipation areas. This model is validated against observations during past events such as hurricane HUGO (1989). Results are generally found to be in reasonable agreement with past studies in areas where surge is essentially wind-driven, but found to differ significantly in coastal regions where the transfer of momentum from waves to the water column constitutes a non-negligible part of the total surge. The methodology, which can be applied to other islands in the Lesser Antilles, allows storm surge level maps to be obtained that can be of major interest for coastal planners and decision makers in terms of risk management.

  9. 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.

  10. Gaps, tears and seismic anisotropy around the subducting slabs of the Antilles

    Science.gov (United States)

    Schlaphorst, David; Kendall, J.-Michael; Baptie, Brian; Latchman, Joan L.; Tait, Steve

    2017-02-01

    Seismic anisotropy in and beneath the subducting slabs of the Antilles is investigated using observations of shear-wave splitting. We use a combination of teleseismic and local events recorded at three-component broadband seismic stations on every major island in the area to map anisotropy in the crust, the mantle wedge and the slab/sub-slab mantle. To date this is the most comprehensive study of anisotropy in this region, involving 52 stations from 8 seismic networks. Local event delay times (0.21 ± 0.12 s) do not increase with depth, indicating a crustal origin in anisotropy and an isotropic mantle wedge. Teleseismic delay times are much larger (1.34 ± 0.47 s), with fast shear-wave polarisations that are predominantly parallel to trend of the arc. These observations can be interpreted three ways: (1) the presence of pre-existing anisotropy in the subducting slab; (2) anisotropy due to sub-slab mantle flow around the eastern margin of the nearly stationary Caribbean plate; (3) some combination of both mechanisms. However, there are two notable variations in the trench-parallel pattern of anisotropy - trench-perpendicular alignment is observed in narrow regions east of Puerto Rico and south of Martinique. These observations support previously proposed ideas of eastward sublithospheric mantle flow through gaps in the slab. Furthermore, the pattern of anisotropy south of Martinique, near Saint Lucia is consistent with a previously proposed location for the boundary between the North and South American plates.

  11. Euthanasia in The Netherlands.

    Science.gov (United States)

    van der Wal, G; Dillmann, R J

    1994-05-21

    The practice of euthanasia in the Netherlands is often used as an argument in debates outside the Netherlands--hence a clear description of the Dutch situation is important. This article summarises recent data and discusses conceptual issues and relevant characteristics of the system of health care. Special emphasis is put on regulation, including relevant data on notification and prosecution. Besides the practice of euthanasia the Dutch are confronted with the gaps in reporting of cases to the public prosecutor and the existence of cases of ending a life without an explicit request. Nevertheless, the "Dutch experiment" need not inevitably lead down the slippery slope because of the visibility and openness of this part of medical practice. This will lead to increased awareness, more safeguards, and improvement of medical decisions concerning the end of life.

  12. Creationism in the Netherlands

    OpenAIRE

    Blancke, Stefaan

    2010-01-01

    Recent events indicate that creationists are becoming increasingly active in the Netherlands. This article offers an overview of these events. First, I discuss the introduction of Intelligent Design (ID) creationism into the Dutch public sphere by a renowned physicist, Cees Dekker. Later, Dekker himself shifted towards a more evolution-friendly position, theistic evolution. Second, we will see how Dekker was followed in this shift by Andries Knevel, who is an important figure within the Dutch...

  13. Monitor Sustainable Netherlands 2011

    International Nuclear Information System (INIS)

    2011-09-01

    The Monitor provides an image of the sustainability of the Dutch society. It shows which areas are successful and what the 'concerns for tomorrow' are from the point of view of sustainability. An analysis is conducted of how the Netherlands are doing in the fields of climate change, biodiversity, health, knowledge, graying and social cohesion. These and many other topics are discussed in this monitor by means of a number of sustainability indicators and detail analyses [mk]. [nl

  14. Monitor Sustainable Netherlands 2009

    International Nuclear Information System (INIS)

    2009-02-01

    The Monitor provides an image of the sustainability of the Dutch society. It shows which areas are successful and what the 'concerns for tomorrow' are from the point of view of sustainability. An analysis is conducted of how the Netherlands are doing in the fields of climate change, biodiversity, health, knowledge, graying and social cohesion. These and many other topics are discussed in this monitor by means of a number of sustainability indicators and detail analyses [mk] [nl

  15. Benchmarking in the Netherlands

    International Nuclear Information System (INIS)

    1999-01-01

    In two articles an overview is given of the activities in the Dutch industry and energy sector with respect to benchmarking. In benchmarking operational processes of different competitive businesses are compared to improve your own performance. Benchmark covenants for energy efficiency between the Dutch government and industrial sectors contribute to a growth of the number of benchmark surveys in the energy intensive industry in the Netherlands. However, some doubt the effectiveness of the benchmark studies

  16. Worker participation - the Netherlands

    OpenAIRE

    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 by the worker. Indirect participation involves employee representation, while direct participation relates to individual involvement in management’s decision-making processes. In the Framework Dir...

  17. Mechatronics in the Netherlands

    OpenAIRE

    van Amerongen, J.; 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. Internet Banking integration within the banking system

    OpenAIRE

    Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

    2008-01-01

    Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture). SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system....

  19. 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

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

    African Journals Online (AJOL)

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

  1. Tomographic Imaging of the Lesser Antilles Subducted Slab and its Significance for Estimating the Age and Amount of Eastward Motion of the Overriding Caribbean Plate

    Science.gov (United States)

    Mann, P.; Chen, Y. W.; Wu, J.; Suppe, J.

    2017-12-01

    The idea of a Pacific-derived and eastward-transported Caribbean and Scotia plates was first proposed by J. Tuzo Wilson in 1966. Wilson proposed that the motion of these two, small plates was analogous to "ice rafting" observed on frozen lakes and oceans when a narrow ( 50 m) strip of ice is forced over a lower plate of ice. In the Caribbean the upper plate corresponds to the 750 km-long, north-south length of the Lesser Antilles volcanic arc ranging in thickness from 20-30 km while its subducting plate is Atlantic Cretaceous oceanic crust of 8-10 km thickness and subducting at an angle of 45º to a depth of 300 km into the mantle. We estimated the length of the Lesser Antilles slab from MIT P-wave global tomography (MITP08; Li et al., 2008) and compared to published transects from Utrecht UUP-07 global tomography (van Bentham et al., 2013). The measured slab lengths vary from 1550 km (Utrecht) to 1250 km (MIT). We then unfolded both slabs to the Earth's surface, and used GPlates to restore the leading edge of the Caribbean plate at the time of the Lesser Antilles slab's initial subduction. The Middle Eocene (49 Ma) reconstruction realigns the proto-Lesser Antilles arc and leading edge of the Caribbean plate in a continuous arc with older arc rocks in Cuba. During this Middle Eocene period of abrupt tectonic transition, the Cuban arc segment was terminated on its northeastward path by collision with the Bahama carbonate platform with subsequent reorientation onto its present, east-west path into the central Atlantic Ocean from 49-0 Ma. This collision/plate reorientation event is independently recorded by: 1) a poorly defined Greater Antilles slab seen on tomography that is aligned with the Cuban arc; 2) identical initiation ages of 49 Ma for the Cayman trough pull-apart and the Lesser Antilles slab; and 3) similarity in lengths for the length of the subducted, Lesser Antilles slab ( 1250-1550 km) and the length of the Cayman trough pull-apart basin ( 1100 km). East

  2. Denying Foreign Bank Entry: Implications For Bank Interest Margins

    OpenAIRE

    Ross Levine

    2003-01-01

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

  3. Country report of the Netherlands

    Energy Technology Data Exchange (ETDEWEB)

    Duijves, K A

    1997-12-01

    The presentation briefly reviews the following: general situation with nuclear power in the Netherlands; power reactors; research reactors; fuel performance; water chemistry; main research and development programmes.

  4. Balancing work and family obligations in Pakistan and the Netherlands : A comparative study

    NARCIS (Netherlands)

    Syed, S.; Arain, G.A.; Schalk, Rene; Freese, C.

    2015-01-01

    A study of 486 banking employees in Pakistan and the Netherlands investigated the effect of work-family conflict on psychological contract breach of work-family balance obligations. The results showed that 127 Dutch respondents were more likely to experience work interference with family than

  5. 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

  6. BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Yuliya Onyshchenko

    2015-11-01

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

  7. What is shadow banking?

    NARCIS (Netherlands)

    Claessens, S.; Ratnovski, L.

    2014-01-01

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

  8. Essays on banking

    NARCIS (Netherlands)

    Tumer-Alkan, G.

    2008-01-01

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

  9. Are EU Banks Safe?

    NARCIS (Netherlands)

    R.J. Theissen (Roel)

    2013-01-01

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

  10. Evolution in banking supervision

    OpenAIRE

    Edward J. Stevens

    2000-01-01

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

  11. Small finance banks: Challenges

    Directory of Open Access Journals (Sweden)

    Jayadev M

    2017-12-01

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

  12. 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

  13. HABOG, ATC Netherlands

    International Nuclear Information System (INIS)

    Vico, E.

    2010-01-01

    The Netherlands has opted for a centralized temporary storage strategy (ATC) for managing all radioactive waste produced in the country, prior to final disposal in deep geological formations. the agency. COVRA national agency with functions similar to those of ENRESA, operates a complex in the industrial area of Vlissingen-Oost, southwest of the country, near the Borssele nuclear power, within which is the centralized temporary storage facility HABOG , Acronym for building for the processing and storage of high level waste in operation since 2003. (Author)

  14. Netherlands Interuniversity Reactor Institut

    International Nuclear Information System (INIS)

    1978-01-01

    This is the annual report of the Interuniversity Reactor Institute in the Netherlands for the Academic Year 1977-78. Activities of the general committee, the daily committee and the scientific advice board are presented. Detailed reports of the scientific studies performed are given under five subjects - radiation physics, reactor physics, radiation chemistry, radiochemistry and radiation hygiene and dosimetry. Summarised reports of the various industrial groups are also presented. Training and education, publications and reports, courses, visits and cooperation with other institutes in the area of scientific research are mentioned. (C.F.)

  15. GenBank

    OpenAIRE

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

    2002-01-01

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

  16. Contrasting sedimentary processes along a convergent margin: the Lesser Antilles arc system

    Science.gov (United States)

    Picard, Michel; Schneider, Jean-Luc; Boudon, Georges

    2006-12-01

    Sedimentation processes occurring in an active convergent setting are well illustrated in the Lesser Antilles island arc. The margin is related to westward subduction of the North and/or the South America plates beneath the Caribbean plate. From east to west, the arc can be subdivided into several tectono-sedimentary depositional domains: the accretionary prism, the fore-arc basin, the arc platform and inter-arc basin, and the Grenada back-arc basin. The Grenada back-arc basin, the fore-arc basin (Tobago Trough) and the accretionary prism on the east side of the volcanic arc constitute traps for particles derived from the arc platform and the South American continent. The arc is volcanically active, and provides large volumes of volcaniclastic sediments which accumulate mainly in the Grenada basin by volcaniclastic gravity flows (volcanic debris avalanches, debris flows, turbiditic flows) and minor amounts by fallout. By contrast, the eastern side of the margin is fed by ash fallout and minor volcaniclastic turbidites. In this area, the dominant component of the sediments is pelagic in origin, or derived from South America (siliciclastic turbidites). Insular shelves are the locations of carbonate sedimentation, such as large platforms which develop in the Limestone Caribbees in the northern part of the margin. Reworking of carbonate material by turbidity currents also delivers lesser amounts to eastern basins of the margin. This contrasting sedimentation on both sides of the arc platform along the margin is controlled by several interacting factors including basin morphology, volcanic productivity, wind and deep-sea current patterns, and sea-level changes. Basin morphology appears to be the most dominant factor. The western slopes of the arc platform are steeper than the eastern ones, thus favouring gravity flow processes.

  17. 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.

  18. VoiLA: A multidisciplinary study of Volatile recycling in the Lesser Antilles Arc

    Science.gov (United States)

    Collier, J.; Blundy, J. D.; Goes, S. D. B.; Henstock, T.; Harmon, N.; Kendall, J. M.; Macpherson, C.; Rietbrock, A.; Rychert, C.; Van Hunen, J.; Wilkinson, J.; Wilson, M.

    2017-12-01

    Project VoiLA will address the role of volatiles in controlling geological processes at subduction zones. The study area was chosen as it subducts oceanic lithosphere formed at the slow-spreading Mid Atlantic Ridge. This should result in a different level and pattern of hydration to compare with subduction zones in the Pacific which consume oceanic lithosphere generated at faster spreading rates. In five project components, we will test (1) where volatiles are held within the incoming plate; (2) where they are transported and released below the arc; (3) how the volatile distribution and pathways relate to the construction of the arc; and (4) their relationship to seismic and volcanic hazards and the fractionation of economic metals. Finally, (5) the behaviour of the Lesser Antilles arc will be compared with that of other well-studied systems to improve our wider understanding of the role of water in subduction processes. To address these questions the project will combine seismology; petrology and numerical modelling of wedge dynamics and its consequences on dehydration and melting. So-far island-based fieldwork has included mantle xenolith collection and installation of a temporary seismometer network. In 2016 and 2017 we conducted cruises onboard the RRS James Cook that collected a network of passive-recording and active-recording ocean-bottom seismometer data within the back-arc, fore-arc and incoming plate region. A total of 175 deployments and recoveries were made with the loss of only 6 stations. The presentation will present preliminary results from the project.

  19. Angiostrongylus costaricensis infection in Martinique, Lesser Antilles, from 2000 to 2017

    Directory of Open Access Journals (Sweden)

    Dard Céline

    2018-01-01

    Full Text Available Human abdominal angiostrongyliasis (HAA is a parasitic disease caused by the accidental ingestion of the nematode Angiostrongylus costaricensis in its larval form. Human infection can lead to severe ischemic and inflammatory intestinal lesions, sometimes complicated by life-threatening ileal perforations. Only one case had been reported in Martinique, an Island in the French Antilles, in 1988. We retrospectively reviewed the medical charts of patients diagnosed with abdominal angiostrongyliasis at the University Hospital of Martinique between 2000 and 2017. The objectives of this study were to evaluate the incidence and perform a descriptive analysis of the clinical, biological, radiological, and histopathological features of HAA in Martinique. Two confirmed cases and two probable cases were identified in patients aged from 1 to 21 years during the 18-year period, with an estimated incidence of 0.2 cases per year (0.003 case/year/100.000 inhabitants (IC95% = 0.00–0.05. All patients presented with abdominal pain associated with high blood eosinophilia (median: 7.24 G/L [min 4.25; max 52.28 G/L]. Two developed ileal perforation and were managed by surgery, with diagnostic confirmation based on histopathological findings on surgical specimens. The other two cases were probable, with serum specimens reactive to Angiostrongylus sp. antigen in the absence of surgery. All cases improved without sequelae. The description of this case series highlights the need to increase awareness of this life-threatening disease in the medical community and to facilitate access to specific diagnostic tools in Martinique. Environmental and epidemiological studies are needed to broaden our knowledge of the burden of this disease.

  20. 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.

  1. Do Zircon age Spectra Record Magmatic Cyclicity at Soufrière (Saint Lucia, Lesser Antilles)?

    Science.gov (United States)

    Schmitt, A. K.; Stockli, D. F.; Lindsay, J. M.

    2007-12-01

    The Soufrière Volcanic Center (Saint Lucia, Lesser Antilles) is a long-lived arc-volcanic system that evolved over the past 5 - 6 Ma. Its most recent volcanic activity between 20 and 40 ka was concentrated within the prominent Qualibou topographic depression and produced two voluminous pyroclastic deposits: Choiseul and the overlying Belfond. In addition, several dacitic lava domes exist within the Qualibou depression. Because evidence of earlier volcanic activity in long-lived magma systems is frequently obliterated by subsequent eruptive or volcano-tectonic events, high spatial resolution U-Th dating of zircon combined with (U-Th)/He dating is a powerful tool to identify magma crystallization episodes at depth and to link these to the eruptive record. U-Th model ages and disequilibrium corrected U-Pb ages for 56 individual zircons from Soufrière lavas (Morne Bonin, Belfond, Terre Blanche) and pumice (Choiseul, Belfond) were determined by secondary ionization mass spectrometry. The majority of results is on unpolished zircons where analysis pits integrate over the outermost ~10 μm of individual grains with a lateral spatial resolution of ~40 μm. Selected grains were subsequently analyzed by (U-Th)/He methods. Belfond and Terre Blanche (U-Th)/He zircon ages (~20 ka) agree with previous 14C charcoal ages, whereas Morne Bonin ages are much older (~250 ka). Overall, the U-Th zircon crystallization age spectrum reveals a remarkable range between ~20 and ~600 ka and displays multiple peaks, among which the most prominent are tentatively identified at ~40 ka, ~80 ka, ~130 ka, ~200 ka and ~500 ka. The distribution of rim ages indicates that most zircons lack overgrowth dating from just prior to the eruption, but the youngest ages for each sample overlap with the eruption ages. Soufrière zircons thus reveal magma intrusion, cooling, and crystallization cycles within the underlying plutonic system for which the volcanic stratigraphic record is sketchy.

  2. 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.

  3. Perceived discrimination in the Netherlands

    NARCIS (Netherlands)

    Iris Andriessen; Henk Fernee; Karin Wittebrood

    2014-01-01

    Only available in electronic version There is no systematic structure in the Netherlands for mapping out the discrimination experiences of different groups in different areas of society. As in many other countries, discrimination studies in the Netherlands mostly focus on the experiences

  4. The Chinese in the Netherlands

    NARCIS (Netherlands)

    Mérove Gijsberts; Willem Huijnk; Ria Vogels

    2011-01-01

    Original title: Chinese Nederlanders This report presents the first national picture of the position of the Chinese community in the Netherlands. A large-scale survey was conducted among persons of Chinese origin living in the Netherlands, with the aim of answering questions on a wide range of

  5. 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

  6. 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.

  7. Colonisation and diversification of the Zenaida Dove (Zenaida aurita) in the Antilles: phylogeography, contemporary gene flow and morphological divergence.

    Science.gov (United States)

    Monceau, Karine; Cézilly, Frank; Moreau, Jérôme; Motreuil, Sébastien; Wattier, Rémi

    2013-01-01

    Caribbean avifaunal biogeography has been mainly studied based on mitochondrial DNA. Here, we investigated both past and recent island differentiation and micro-evolutionary changes in the Zenaida Dove (Zenaida aurita) based on combined information from one mitochondrial (Cytochrome c Oxydase subunit I, COI) and 13 microsatellite markers and four morphological characters. This Caribbean endemic and abundant species has a large distribution, and two subspecies are supposed to occur: Z. a. zenaida in the Greater Antilles (GA) and Z. a. aurita in the Lesser Antilles (LA). Doves were sampled on two GA islands (Puerto Rico and the British Virgin Islands) and six LA islands (Saint Barthélemy, Guadeloupe, Les Saintes, Martinique, Saint Lucia and Barbados). Eleven COI haplotypes were observed that could be assembled in two distinct lineages, with six specific to GA, four to LA, the remaining one occurring in all islands. However, the level of divergence between those two lineages was too moderate to fully corroborate the existence of two subspecies. Colonisation of the studied islands appeared to be a recent process. However, both phenotypic and microsatellite data suggest that differentiation is already under way between all of them, partly associated with the existence of limited gene flow. No isolation by distance was observed. Differentiation for morphological traits was more pronounced than for neutral markers. These results suggest that despite recent colonisation, genetic drift and/or restricted gene flow are promoting differentiation for neutral markers. Variation in selective pressures between islands may explain the observed phenotypic differentiation.

  8. Colonisation and diversification of the Zenaida Dove (Zenaida aurita in the Antilles: phylogeography, contemporary gene flow and morphological divergence.

    Directory of Open Access Journals (Sweden)

    Karine Monceau

    Full Text Available Caribbean avifaunal biogeography has been mainly studied based on mitochondrial DNA. Here, we investigated both past and recent island differentiation and micro-evolutionary changes in the Zenaida Dove (Zenaida aurita based on combined information from one mitochondrial (Cytochrome c Oxydase subunit I, COI and 13 microsatellite markers and four morphological characters. This Caribbean endemic and abundant species has a large distribution, and two subspecies are supposed to occur: Z. a. zenaida in the Greater Antilles (GA and Z. a. aurita in the Lesser Antilles (LA. Doves were sampled on two GA islands (Puerto Rico and the British Virgin Islands and six LA islands (Saint Barthélemy, Guadeloupe, Les Saintes, Martinique, Saint Lucia and Barbados. Eleven COI haplotypes were observed that could be assembled in two distinct lineages, with six specific to GA, four to LA, the remaining one occurring in all islands. However, the level of divergence between those two lineages was too moderate to fully corroborate the existence of two subspecies. Colonisation of the studied islands appeared to be a recent process. However, both phenotypic and microsatellite data suggest that differentiation is already under way between all of them, partly associated with the existence of limited gene flow. No isolation by distance was observed. Differentiation for morphological traits was more pronounced than for neutral markers. These results suggest that despite recent colonisation, genetic drift and/or restricted gene flow are promoting differentiation for neutral markers. Variation in selective pressures between islands may explain the observed phenotypic differentiation.

  9. Seismic tomography of Basse-Terre volcanic island, Guadeloupe, Lesser Antilles, using earthquake travel times and noise correlations

    Science.gov (United States)

    Barnoud, Anne; Coutant, Olivier; Bouligand, Claire; Massin, Frédérick; Stehly, Laurent

    2015-04-01

    We image the volcanic island of Basse-Terre, Guadeloupe, Lesser Antilles, using both earthquake travel times and noise correlations. (1) A new earthquake catalog was recently compiled for the Lesser Antilles by the CDSA/OVSG/IPGP (Massin et al., EGU General Assembly 2014) and allows us to perform classical travel time tomography to obtain smooth 3D body wave velocity models. The geometrical configuration of the volcanic arc controls the resolution of the model in our zone of interest. (2) Surface wave tomography using noise correlations was successfully applied to volcanoes (Brenguier et al., Geophys. Res. Lett. 2007). We use seismic noise recorded at 16 broad-band stations and 9 short-period stations from Basse-Terre over a period of six years (2007-2012). For each station pair, we extract a dispersion curve from the noise correlation to get surface wave velocity models. The inversion of the dispersion curves produces a 3D S-wave velocity model of the island. The spatial distribution of seismic stations accross the island is highly heterogeneous, leading to higher resolution near the dome of the Soufrière of Guadeloupe volcano. Resulting velocity models are compared with densities obtained by 3D inversion of gravimetric data (Barnoud et al., AGU Fall Meeting 2013). Further work should include simultaneous inversion of seismic and gravimetric datasets to overcome resolution limitations.

  10. 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

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

    Directory of Open Access Journals (Sweden)

    Tetiana Vasilyeva

    2016-10-01

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

  12. Bank Syariah Sebagai Alternatif

    Directory of Open Access Journals (Sweden)

    Adang Sudjana

    2003-03-01

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

  13. 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

  14. Regional Banks in the Russian Banking System

    Directory of Open Access Journals (Sweden)

    Mikhail Vitalyevich Leonov

    2015-06-01

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

  15. Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

    OpenAIRE

    Nuryati; Gendis Gumilar, Amethysa

    2011-01-01

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

  16. CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

    OpenAIRE

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

    2017-01-01

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

  17. Mercury concentration, speciation and budget in volcanic aquifers: Italy and Guadeloupe (Lesser Antilles)

    Science.gov (United States)

    Bagnato, E.; Aiuppa, A.; Parello, F.; D'Alessandro, W.; Allard, P.; Calabrese, S.

    2009-01-01

    Quantifying the contribution of volcanism to global mercury (Hg) emissions is important to understand the pathways and the mechanisms of Hg cycling through the Earth's geochemical reservoirs and to assess its environmental impacts. While previous studies have suggested that degassing volcanoes might contribute importantly to the atmospheric budget of mercury, little is known about the amount and behaviour of Hg in volcanic aquifers. Here we report on detailed investigations of both the content and the speciation of mercury in aquifers of active volcanoes in Italy and Guadeloupe Island (Lesser Antilles). In the studied groundwaters, total Hg (THg) concentrations range from 10 to 500 ng/l and are lower than the 1000 ng/l threshold value for human health protection fixed by the World Health Organization [WHO (1993): WHO Guidelines for Drinking Water Quality- http://www.who.int/water_sanitation_health/GDWQ/index.htlm]. Positive co-variations of (THg) with sulphate indicate that Hg-SO 4-rich acid groundwaters receive a direct input of magmatic/hydrothermal gases carrying mercury as Hg 0(gas). Increasing THg in a volcanic aquifer could thus be a sensitive tracer of magmatic gas input prior to an eruption. Since the complex behaviour and toxicity of mercury in waters depend on its chemical speciation, we carefully determined the different aqueous forms of this element in our samples. We find that dissolved elemental Hg 0(aq) and particulate-bound Hg (Hg P) widely prevail in volcanic aquifers, in proportions that highlight the efficiency of Hg adsorption onto colloidal particles. Moreover, we observe that dissolved Hg 0aq and Hg(II) forms coexist in comparable amount in most of the waters, in stark contrast to the results of thermodynamic equilibrium modelling. Therefore, chemical equilibrium between dissolved mercury species in volcanic waters is either prevented by natural kinetic effects or not preserved in collected waters due to sampling/storage artefacts. Finally, we

  18. Stratigraphic, Granulometric and Geochemical Studies of a Major Plinian Eruption on Dominica, Lesser Antilles

    Science.gov (United States)

    Smith, A. L.; Daly, G.; Killingsworth, N.; Deuerling, K.; Schneider, S.; Fryxell, J. E.

    2008-12-01

    The island of Dominica, located in the center of the Lesser Antilles island arc has witnessed, probably within the last 100,000 years, three large volume Plinian eruptions. One of these, associated with the Morne Diablotins center, forms the Grande Savane pyroclastic flow fan, that extends off shore as a distinctive submarine feature for a distance of at least 14 km. Stratigraphical studies of road cuts and well-exposed sea cliffs indicate the fan is composed of an older unit composed of reworked deposits at the base followed by at least four sequences, based on the presence of paleosols, of block and ash flow deposits. The upper unit of block and ash flows is overlain, with no evidence of an intervening paleosol, by a sequence of ignimbrites and pumiceous surges (representing the Plinian eruption). There is no evidence of an initial Plinian fall deposit, so the lowest bed in the succession is an ignimbrite with a highly irregular base that cuts into the underlying block and ash flow deposits, the upper parts of which are colored red due to thermal effects. This lowest ignimbrite is welded (minimum porosity of 15%) throughout its thickness (maximum thickness of greater than 21 m), although a few outcrops near the margins show a thin (20-30 cm) non-welded but lithified zone beneath the welded zone. The remainder of the sequence is composed of lithified ignimbrite that can be subdivided into three units separated by pumiceous surge layers. The ignimbrite succession is overlain, with no obvious break, by a thin fall deposit containing accretionary lapilli and gas cavities, followed by three pumiceous surge deposits (lower and upper show planar stratification and the middle surge shows massive bedding); towards the north the upper two surge deposits are separated by thin pumiceous lapilli fall and ash fall deposits. This surge sequence extends laterally outside of the main area of ignimbrite deposition. The pumice clasts from the ignimbrites are andesitic in

  19. Stratigraphy and Petrology of the Grande Soufriere Hills Volcano, Dominica, Lesser Antilles

    Science.gov (United States)

    Daly, G.; Smith, A. L.; Garcia, R.; Killingsworth, N.

    2007-12-01

    The Grande Soufriere Hills volcanic center is located on the south east coast of the island of Dominica in the Lesser Antilles. Although the volcano is deeply dissected, a distinct circular crater that opens to the east can be observed. Within the crater is a lava dome and unconsolidated pyroclastic deposits mantle the southeast flanks of the volcano. These pyroclastic deposits are almost entirely matrix-supported block and ash flows and surges suggesting that Pelean-style eruptions have dominated its most recent activity. Within this sequence is a relatively thin (30-50 cm) clast-supported deposit that has been interpreted as a possible blast deposit. Two age dates from these younger deposits suggest that much of this activity occurred between l0,000 and 12,000 years ago. On the southeastern coast at Pointe Mulâtre and extending approximately 4 km north and at a maximum 2 km west, is a megabreccia of large (up to 3 m) flow-banded andesite clasts set in a semi-lithified medium grained ash matrix. At Pointe Mulâtre this megabreccia is overlain by unconsolidated block and ash flow deposits. To the north of the megabreccia, exposures in the sea cliffs reveal a consolidated sequence of well-bedded alternating coarse and fine deposits suggesting deltaic foreset beds; which in turn appears to be overlain by a yellow- colored relatively coarse flow deposit with an irregular upper surface. The uppermost deposits in the sea cliffs are a sequence of unconsolidated block and ash flow deposits and interbedded fluviatile conglomerates equivalent to the younger flow deposits logged inland. Volcanic rocks from the Grande Soufriere Hills are all porphyritic andesites often containing hypabyssal inclusions. Dominant phenocrysts are plagioclase often with inclusion-rich cores and well developed zoning. Mafic phenocrysts include hornblende, augite and hypersthene. Geochemically these andesites range from 58- 63% SiO2 and show trends of decreasing values for Al2O3, FeO, MgO, CaO, Ti

  20. Magnetic mapping for structural geology and geothermal exploration in Guadeloupe, Lesser Antilles

    Science.gov (United States)

    Mercier de Lépinay, jeanne; munschy, marc; geraud, yves; diraison, marc; navelot, vivien; verati, christelle; corsini, michel; lardeaux, jean marc; favier, alexiane

    2017-04-01

    This work is implemented through the GEOTREF program which benefits from the support of both the ADEME and the French public funds "Investments for the future". The program focuses on the exploration for geothermal resources in Guadeloupe, Lesser Antilles, where a geothermal power plant is in production since 1986 (Bouillante, Basse Terre). In Les Saintes archipelago, in the south of Guadeloupe, the outcrop analysis of Terre-de-Haut Island allows to point out an exhumed geothermal paleo-system that is thought to be an analogue of the Bouillante active geothermal system. We show that a detailed marine magnetic survey with a quantitative interpretation can bring information about the offshore structures around Les Saintes archipelago in order to extend the geological limits and structural elements. A similar survey and workflow is also conducted offshore Basse-Terre where more geophysical data is already available. In order to correctly link the offshore and onshore structures, the magnetic survey must be close enough to the shoreline and sufficiently detailed to correctly outline the tectonic structures. An appropriate solution for such a survey is to use a three component magnetometer aboard a speedboat. Such a boat allows more navigation flexibility than a classic oceanic vessel towing a magnetometer; it can sail at higher speed on calm seas and closer to the shoreline. This kind of magnetic acquisition is only viable because the magnetic effect of the ship can be compensated using the same algorithms than those used for airborne magnetometry. The use of potential field transforms allows a large variety of structures to be highlighted, providing insights to build a general understanding of the nature and distribution of the magnetic sources. In particular, we use the tilt angle operator to better identify the magnetic lineaments offshore in order to compare them to the faults identified onshore during the outcrop analysis. All the major faults and fractures

  1. Assessing the Wave Energy Potential of Jamaica, a Greater Antilles Island, through Dynamic Modelling

    Science.gov (United States)

    Daley, A. P., Jr.; Dorville, J. F. M.; Taylor, M. A.

    2017-12-01

    Globally wave energy has been on the rise as a result of the impacts of climate change and continuous fluctuation in oil prices. The water's inertia provides waves with greater stability than that of other renewable energy sources such as solar and wind. Jamaica is part of the Greater Antilles Arc and has over 1000 km of coast line with an abundance of shallow water approximately 80% within a 50km band. This configuration provides a wealth of sites for wave exploitation even in minimal wave energy conditions. Aside from harnessing the oceans waves converters can be viewed as a tool for protection of coastal areas against natural marine occurrences. Jamica has done extensive studies where solar, hydro and wind resouces are concerned. However, there has been no studies done to date on the country's wave energy resources.The aim of this study is to bridge this gap by characterizing Jamaica's wave energy resources generating in a half-closed Caribbean Sea using data available from: buoys, altimetric satellite, and numerical model. Available data has been used to assess the available resource on the coastal area for the last 12 years. Statistical analysis of the available energy is determined using the sea state (Hs, Tp and Dir) and the atmospheric forcing (10m-wind, atmospheric pressure, sea-air temperature) relating to the season.The chain of dynamical model is presented (WW3-SWAN-SWASH), allowing for the tracking of the propagation of the wave energy from an offshore region to nearshore zone along with their interaction with areas of shallow depth. This will provide a better assessment of the energy and the quality of the waves closer to the electrical grid.Climate prediction is used to estimate the sea state and wave energy exploitable up to 2100. An analysis of the possible usage of the available coastal resource up to 2100. The main results present small but exploitable resources with seasonal variability in the energy available but not wave direction.

  2. Diagenesis in tephra-rich sediments from the Lesser Antilles Volcanic Arc: Pore fluid constraints

    Science.gov (United States)

    Murray, Natalie A.; McManus, James; Palmer, Martin R.; Haley, Brian; Manners, Hayley

    2018-05-01

    We present sediment pore fluid and sediment solid phase results obtained during IODP Expedition 340 from seven sites located within the Grenada Basin of the southern Lesser Antilles Volcanic Arc region. These sites are generally characterized as being low in organic carbon content and rich in calcium carbonate and volcanogenic material. In addition to the typical reactions related to organic matter diagenesis, pore fluid chemistry indicates that the diagenetic reactions fall within two broad categories; (1) reactions related to chemical exchange with volcanogenic material and (2) reactions related to carbonate dissolution, precipitation, or recrystallization. For locations dominated by reaction with volcanogenic material, these sites exhibit increases in dissolved Ca with coeval decreases in Mg. We interpret this behavior as being driven by sediment-water exchange reactions from the alteration of volcanic material that is dispersed throughout the sediment package, which likely result in formation of Mg-rich secondary authigenic clays. In contrast to this behavior, sediment sequences that exhibit decreases in Ca, Mg, Mn, and Sr with depth suggest that carbonate precipitation is an active diagenetic process affecting solute distributions. The distributions of pore fluid 87Sr/86Sr reflect these competitive diagenetic reactions between volcanic material and carbonate, which are inferred by the major cation distributions. From one site where we have solid phase 87Sr/86Sr (site U1396), the carbonate fraction is found to be generally consistent with the contemporaneous seawater isotope values. However, the 87Sr/86Sr of the non-carbonate fraction ranges from 0.7074 to 0.7052, and these values likely represent a mixture of local arc volcanic sources and trans-Atlantic eolian sources. Even at this site where there is clear evidence for diagenesis of volcanogenic material, carbonate diagenesis appears to buffer pore fluid 87Sr/86Sr from the larger changes that might be

  3. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

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

  4. Green Bank Observatory (GBO)

    Data.gov (United States)

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

  5. 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...

  6. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

  7. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

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

  8. Framing a Bank

    DEFF Research Database (Denmark)

    Holmgreen, Lise-Lotte

    2012-01-01

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

  9. GenBank

    OpenAIRE

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

    2006-01-01

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

  10. International Islamic Banking

    OpenAIRE

    saleem, shahid

    2007-01-01

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

  11. Supervision in banking industry

    OpenAIRE

    Šmída, David

    2012-01-01

    The aim of submitted thesis Supervision in banking is to define the nature and the importance of banking supervision, to justify its existence and to analyze the applicable mechanisms while the system of banking regulation and supervision in this thesis is primarily examined in the European context, with a focus on the Czech Republic. The thesis is divided into five main chapters. The first chapter is devoted to the financial system and the importance of banks in this system, it defines the c...

  12. Modern bank's credit risk

    Directory of Open Access Journals (Sweden)

    Šabović Šerif

    2015-01-01

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

  13. Mobile banking in Asia

    OpenAIRE

    Anne Ho

    2010-01-01

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

  14. The NEA Data Bank

    International Nuclear Information System (INIS)

    Coddens, G.

    1983-01-01

    The NEA Data Bank provides the nuclear data and computer programs necessary for reactor design and other calculations over a wide range of nuclear energy applications. The role which the Data Bank plays in international cooperation efforts, and the procedures to follow to obtain data and programs from the Data Bank are described. (Auth.)

  15. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  16. Commercial Banking Industry Survey.

    Science.gov (United States)

    Bright Horizons Children's Centers, Cambridge, MA.

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

  17. Banking in Africa

    NARCIS (Netherlands)

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

    2014-01-01

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

  18. Banking crises : A review

    NARCIS (Netherlands)

    Laeven, L.

    2011-01-01

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

  19. 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

  20. Banking on the Internet.

    Science.gov (United States)

    Internet Research, 1996

    1996-01-01

    Electronic ground was broken in 1995 with the development of the completely Internet-based bank Security First Network Bank. This article discusses the need for developing online services, outlines the reasons for the formation of an Internet-based bank and argues that to remain competitive financial services providers must provide easier customer…

  1. Dental Education in the Netherlands.

    Science.gov (United States)

    Nash, David A.; And Others

    1981-01-01

    Dental education in the Netherlands is reviewed in terms of dental practice, overall development, structure and functioning of a typical school of dentistry, admissions, student finances, curriculum, certification, postgraduate education, and education for related professions. (MSE)

  2. The Netherlands Bid Bood (GBIF)

    NARCIS (Netherlands)

    Los, W.

    2001-01-01

    GBIF=Global Biodiversity Information Facility. The Bid Book was prepared for the Ministry of Education, Culture and Sciences, the Netherlands by a working group, co-ordinated by the University of Amsterdam.

  3. QANU - Quality Assurance Netherlands Universities

    DEFF Research Database (Denmark)

    Jensen, Henrik Toft; Maria E., Weber; Vyt, André

    The Quality Assurance Netherlands Universities (QANU) underwent an ENQA-coordinated external review in 2016. The review was chaired by Henrik Toft Jensen, Research fellow at Roskilde University (RUC), Denmark....

  4. Deregulation of the European Banking Industry (1980-1991)

    OpenAIRE

    Gual, Jordi; Neven, Damien J

    1992-01-01

    In this paper the experience of deregulation in the banking sector of seven EC countries (Belgium, France, Germany, Italy, the Netherlands, Spain and the UK) is analysed. Lessons are drawn for assessment of how the EC directives affecting this sector could further affect the industry. Our findings broadly confirm intuition: there is some evidence that firms in protected markets earn large rents, which are partly dissipated in excessive costs and captured by workers. Conduct deregulation seems...

  5. Chernobyl, what happened. [Netherlands; contamination

    Energy Technology Data Exchange (ETDEWEB)

    Zwigt, A

    1986-01-01

    In this article a description is given of the accident in the Chernobylsk-4 reactor and the resulting effects in the Netherlands. The Chernobylsk-4 reactor is described and the cause of the accident is followed step by step. The contamination of the Netherlands is mapped. The absorbed doses for the Dutch people are calculated. In the discussion the author recommends agreements about uniformity for sampling, activity measurements and follow-up studies. (Auth.). 5 refs.; 7 figs.; 1 table.

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

    Directory of Open Access Journals (Sweden)

    Murti Lestari

    2010-05-01

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

  7. New Geochronology and Radiometric Age Dates Improve the Definition and Continuity of Accreted Tectonic Terranes of Northern Venezuela and the Lesser Antilles

    Science.gov (United States)

    Baquero, M.; Mann, P.; Audemard, F. A.

    2017-12-01

    We use new and compiled geochronology and radiometric dates from the area of Venezuela to Tobago to define the following crustal provinces: 1) Guyana shield forms a sub-circular area of Pan-African rocks against which all younger terranes have collided and partially assumed its rounded shape: ages for the Guyana Shield range from >3.4 Ga to 1.8 Ga; 2) accreted Paleozoic rocks form a sub-circular, largely buried province that surround the Guiana Shield to the north and west; the El Pilar strike-slip fault forms the abrupt, northern limit of the Precambrian-Paleozoic craton in Venezuela characterized by crustal thicknesses of 40-50 km; 3) the Early to Late Cretaceous Great Arc of the Caribbean forms a continuous basement high that can be traced from northern Colombia, through the ABC Islands to La Blanquilla Island, and north along the Aves Ridge to the Greater Antilles; ages of the GAC generally are in the range of Late Cretaceous to early Eocene and have geochemistry consistent with intra-oceanic island arcs or oceanic plateau rocks with the exception of La Orchila Island with a Paleozoic intrusive age; the GAC collided from west to east with the passive margin of South America from Paleocene in western Venezuela to Plio-Pleistocene in the Trinidad area and marks the west to east passage of the Caribbean plate past the South American plate; 4) a post-GAC rifting event affected the GAC-South America suture from late Eocene to middle Miocene time in the Falcón Basin of western Venezuela with ages on intrusive and volcanic from 34 to 15.4 Ma; these ages are coeval with intrusive ages from the southernmost Lesser Antilles on Los Frailes and Los Testigos Islands and range from 35.7±2.6 to 36.4±0.5 Ma; the age of the intervening basin, the Bonaire basin, is poorly known but may be coeval with the Oligocene-Miocene extension that extended the suture zone in western Venezuela and extended the Lesser Antilles arc in early Middle Miocene time to form the Lesser Antilles

  8. BANKING WITHOUT INTEREST

    Directory of Open Access Journals (Sweden)

    Jana Ilieva

    2017-06-01

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

  9. The impact of legal vulnerability on environmental inequalities. A case study of coastal populations in Guadeloupe (French Antilles)

    Science.gov (United States)

    Claeys, Cécilia; Arnaud, Aurélie; Lambert, Marie-Laure

    2017-10-01

    This paper draws on sociology, geography and law to analyse the exposure of populations to coastal multihazards in a postcolonial and overseas context. The research is based on a case study conducted in two municipalities in Guadeloupe (French Antilles): Deshaies and Capesterre-Belle-Eau. The corpus of data consists of 52 interviews conducted with inhabitants and institutional actors, as well as a set of spatialized data and a regulatory corpus. The analysis underscores how public policies must contend with a complex territorial reality that is still bound to the postcolonial past and legacy of slavery in Guadeloupe. The potential contradictions between regularization policies, hazard prevention policies and policies to curb insalubrious housing tend to expose the most fragile populations to what we refer to here as legal vulnerability.

  10. 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...

  11. BANKING UNION - ROMANIAN PERSPECTIVE

    Directory of Open Access Journals (Sweden)

    Coroiu Sorina Ioana

    2015-07-01

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

  12. Impact of E-Banking on Traditional Banking Services

    OpenAIRE

    Vyas, Shilpan Dineshkumar

    2012-01-01

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

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

    OpenAIRE

    Thomas F. Cargill

    2006-01-01

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

  14. Ethnic background and differences in health care use: a national cross-sectional study of native Dutch and immigrant elderly in the Netherlands

    Directory of Open Access Journals (Sweden)

    Foets Marleen

    2009-10-01

    Full Text Available Abstract Background Immigrant elderly are a rapidly growing group in Dutch society; little is known about their health care use. This study assesses whether ethnic disparities in health care use exist and how they can be explained. Applying an established health care access model as explanatory factors, we tested health and socio-economic status, and in view of our research population we added an acculturation variable, elaborated into several sub-domains. Methods Cross-sectional study using data from the "Social Position, Health and Well-being of Elderly Immigrants" survey, conducted in 2003 in the Netherlands. The study population consisted of first generation immigrants aged 55 years and older from the four major immigrant populations in the Netherlands and a native Dutch reference group. The average response rate to the survey was 46% (1503/3284; country of origin: Turkey n = 307, Morocco n = 284, Surinam n = 308, the Netherlands Antilles n = 300, the Netherlands n = 304. Results High ethnic disparities exist in health and health care utilisation. Immigrant elderly show a higher use of GP services and lower use of physical therapy and home care. Both self-reported health status (need factor and language competence (part of acculturation have high explanatory power for all types of health services utilisation; the additional impact of socio-economic status and education is low. Conclusion For all health services, health disparities among all four major immigrant groups in the Netherlands translate into utilisation disparities, aggravated by lack of language competence. The resulting pattern of systematic lower health services utilisation of elderly immigrants is a challenge for health care providers and policy makers.

  15. BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Rahmatina A. Kasri

    2017-08-01

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

  16. Adopting Internet Banking in Ghana

    OpenAIRE

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

    2013-01-01

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

  17. 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

    Vuillaume, Barbara; Valette, Victorien; Lepais, Olivier; Grandjean, Frederic; Breuil, Michel

    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 ...

  18. 3-D Magnetotelluric Investigations for geothermal exploration in Martinique (Lesser Antilles). Characteristic Deep Resistivity Structures, and Shallow Resistivity Distribution Matching Heliborne TEM Results

    OpenAIRE

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

    2015-01-01

    International audience; 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...

  19. Nuclear fuel banks

    International Nuclear Information System (INIS)

    Anon.

    2010-01-01

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

  20. Tissue banking in australia.

    Science.gov (United States)

    Ireland, Lynette; McKelvie, Helen

    2003-01-01

    The legal structure for the regulation of tissue banking has existed for many years. In Australia, the donation of human tissue is regulated by legislation in each of the eight States and Territories. These substantially uniform Acts were passed in the late 1970's and early 1980's, based on model legislation and underpinned by the concept of consensual giving. However, it was not until the early 1990's that tissue banking came under the notice of regulatory authorities. Since then the Australian Government has moved quickly to oversee the tissue banking sector in Australia. Banked human tissue has been deemed to be a therapeutic good under the Therapeutic Goods Act 1989, and tissue banks are required to be licensed by the Therapeutic Goods Administration and are audited for compliance with the Code of Good Manufacturing Practice- Human Blood and Tissues. In addition, tissue banks must comply with a myriad of other standards, guidelines and recommendations.

  1. 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.

  2. 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

  3. It Takes Two To Tango: an empirical tale of distressed firms and assisting banks

    NARCIS (Netherlands)

    A. de Jong (Abe)

    2004-01-01

    textabstractWe 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 guided in their restructuring effort by banks. Part of our dataset consists of firms that successfully restructure their operations

  4. Firms’ Choice of Financiers in M&A Deals : The Value of Bank-Firm Relationships

    NARCIS (Netherlands)

    Pantjes, Rik; Tümer-Alkan, Günseli

    2017-01-01

    In this paper, we investigate the link between the financing of mergers and acquisitions deals and existing bank-firm relationships by using a unique dataset consisting of forty M&A deals in the Netherlands from 2004 to 2012. The dataset allows us to identify the existing relationship lender to the

  5. Banking: shop and compare.

    Science.gov (United States)

    O'Brien, Jennifer A; DeJarnette, Sherry

    2014-01-01

    There are many reasons to take a critical look at the practice's banking relationship(s)--technology advancements, security measures, improvements in available services, recent banking enhancements designed specifically for medical practices, the impact of the financial crisis on bank ratings and stability, changing practice needs, opportunities for operational automation at the practice--and it is just simply smart to periodically evaluate and compare the features, pricing, and potential savings offered by vendors.

  6. Digital Banking 2025

    OpenAIRE

    Gasser, Urs; Gassmann, Oliver; Hens, Thorsten; Leifer, Larry; Puschmann, Thomas; Zhao, Leon

    2017-01-01

    As time-to-market for digital banking products becomes shorter and shorter, thousands of Financial Technology (FinTech) startups and other non-banks are rising to the occasion by developing new products, services, and business models for all areas of banking in payments,investments, and financing along the entire value chain, touching all areas from front to back office, as client adoption of these new services accelerates. The lighting Company Osram, for example, recently had to reduce its w...

  7. Method of Banks Valuation

    OpenAIRE

    Eva Horvátová

    2010-01-01

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

  8. GenBank

    OpenAIRE

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

    2008-01-01

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

  9. GenBank

    OpenAIRE

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

    2012-01-01

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

  10. Banking Fees in Australia

    OpenAIRE

    Sarah Rudd; Chris Stewart

    2012-01-01

    The Reserve Bank has conducted a survey on bank fees each year since 1997. The results of the latest survey show that banks’ aggregate fee income rose slightly in the banks’ 2011 financial years, but that growth in fee income was less than that in banks’ total assets. Fee income from households declined while fee income from businesses grew, largely as a result of increases in fees on business loans and bank bills.

  11. Danske Bank - Imagekrise

    OpenAIRE

    Agerlin, Anne; Holmqvist, Maja

    2014-01-01

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

  12. Optimal preventive bank supervision

    OpenAIRE

    Belhaj, Mohamed; Klimenko, Nataliya

    2012-01-01

    Early regulator interventions into problem banks is one of the key suggestions of Basel Committee on Banking Supervision. However, no guidance is given on their design. To fill this gap, we outline an incentive-based preventive supervision strategy that eliminates bad asset management in banks. Two supervision techniques are combined: temporary regulatory administration and random audits. Our design ensures good management without excessive supervision costs, through a gradual adjustment of...

  13. Shareholder activism in banking

    OpenAIRE

    Roman, Raluca

    2015-01-01

    This paper conducts the first assessment of shareholder activism in banking and its effects on risk and performance. The focus is on the conflicts among bank shareholders, managers, and creditors (e.g., regulators, deposit insurer, taxpayers, depositors). This paper finds activism may generally be a destabilizing force, increasing bank risk-taking, but creating market value for shareholders, and leaving operating returns unchanged, consistent with the empirical dominance of the Shareholder-Cr...

  14. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  15. Banking Fees in Australia

    OpenAIRE

    Reserve Bank of Australia

    2010-01-01

    The Reserve Bank has conducted a survey on bank fees each year since 1997. In 2009 growth in fee income increased slightly from recent years though it was again slower than growth in banks’ balance sheets. Growth in fee income was higher for businesses than for households. Banks reacted to the financial crisis by competing more aggressively for deposit funding which resulted in total fee income from deposit accounts falling, and repricing loan products which contributed to an increase in fe...

  16. 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...

  17. 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

  18. Wind energy in the Netherlands

    International Nuclear Information System (INIS)

    Bruijne, R. de

    1990-01-01

    Wind energy is a 'winning reality' in the Netherlands. This is apparent from the results by researchers, industry and the market. During recent years the market has acquired confidence in wind energy. At the start of 1987 there was about 15 MW of installed wind power in the Netherlands. Halfway through 1990 this has almost quadrupled, with 45 MW in operation and 35 MW under construction. The power companies have specific capital expenditure plans for further growth to approximately 400 MW by 1995. This investment scheme will consist of existing turbines (< 600 kW). (Author)

  19. Cash usage in the Netherlands: How much, where, when, who and whenever one wants?

    OpenAIRE

    Nicole Jonker; Anneke Kosse; Lola Hernández

    2012-01-01

    Having accurate information on cash usage is essential for monitoring the substitution process of cash by cards and for assessing the cost efficiency of the payment system. Moreover, estimates on cash usage reflect the transaction demand for cash. This is useful for central banks which are responsible for producing and issuing banknotes. The latest estimates of the number and value of cash payments made in the Netherlands date from 2007. How has cash usage developed since then? In what branch...

  20. 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...

  1. PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

    OpenAIRE

    IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

    2009-01-01

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

  2. 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.

  3. Geographic diversification in banking

    NARCIS (Netherlands)

    Fang, Yiwei; van Lelyveld, Iman

    2014-01-01

    In the aftermath of the 2007-2009 crisis, banks claiming positive diversification benefits are being met with skepticism. Nevertheless, diversification might be important and sizable for some large internationally active banking groups. We use a universally applicable correlation matrix approach to

  4. Banking. Teaching Guide.

    Science.gov (United States)

    Florida Univ., Gainesville. Florida Cooperative Extension Service.

    One in a series of consumer education materials for teenagers, this document focuses on banking and banking services. The series is based on the philosophy that teens need the training and guidance to develop the skills needed to become competent consumers. Developed for 4-H Club members, the material is designed to acquaint students with the…

  5. Organization of eye bank

    International Nuclear Information System (INIS)

    Reddy, S.C.

    1999-01-01

    Comeal transplantation is the only method of combating the blindness due to corneal opacity caused by infections, malnutrition, trauma and hereditary diseases. Comeal blindness is more prevalent in the developing countries. The availability of the donor cornea, trained ophthalmic surgeons and microsurgery facilities are the key factors in restoring vision in-patients with comeal blindness. The eye bank organization is somewhat similar to that of blood bank. The eye bank should be located in a hospital or a medical centre in which a laboratory may be established for the evaluation and storage of donor tissue. The medical director (Ophthalmologist), technician, secretary and public relation officer are the persons who play an important role in the successful organization of eye bank. The function of the eye bank are procurement, assessment, processing, distribution of donor eyes/corneas, training of technicians/doctors, and conducting research related to storage of donor tissue and corneal transplantation. The necessary infrastructure required for the organization of an eye bank include separate accommodation area for the personnel and the laboratory, telephone, computer, refrigerator, laminar air flow hood. Slitlamp, specular microscope, storage media and equipment, instrument for enucleation of donor eyes, and a motor vehicle. The details of responsibilities of the staff of eye bank, source of donor eyes, suitability of donor material, procurement of the donor cornea, tissue assessment, storage and preservation, distribution of donor tissue, and limitation of eye bank will be discussed at the time of presentation

  6. Optimal Central Bank Transparency

    NARCIS (Netherlands)

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

    2008-01-01

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

  7. 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

  8. 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

  9. Transparency of Banking Supervisors

    NARCIS (Netherlands)

    Liedorp, Franka; Mosch, Robert; van der Cruijsen, Carin; de Haan, Jakob

    Following Eijffinger and Geraats (2006), this paper constructs an index of transparency of banking supervisors that takes political, economic, procedural, policy, and operational transparency into account. Based on a survey, the index is constructed for 24 banking supervisors. The average score is

  10. International fuel bank

    International Nuclear Information System (INIS)

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

  11. Destroy The Bank! (case)

    NARCIS (Netherlands)

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

    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

  12. Banking and trading

    NARCIS (Netherlands)

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

    2013-01-01

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

  13. The macroeconomics of banking

    NARCIS (Netherlands)

    van der Kwaak, C.G.F.

    2017-01-01

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

  14. The competitive challenge in banking

    NARCIS (Netherlands)

    Boot, A.W.A.; Schmeits, A.

    2005-01-01

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

  15. The Solar Bank concept

    International Nuclear Information System (INIS)

    Eckhart, M.T.

    1999-01-01

    The Solar Bank is proposed to be established as a multinational wholesale lending institution supporting the adoption of solar photovoltaic (PV) systems by as much as 40% of the world's population. It would supply capital resources to local lending institutions such as banks, credit unions, cooperatives, and rural lending organizations in the developing countries, and to financial institutions in the developed countries. The Solar Bank is intended to be global in scope, with operations in the major countries. The Solar Bank will bring a degree of standardization to the process of making small loans to many people for the purchase of PV systems, and it will provide technical support and training to its participating financial institutions. 'Solar Bank International' is likely to be headquartered in Europe. (orig.)

  16. 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.

  17. GREEN BANKING IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Dumitrascu Mihaela

    2014-07-01

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

  18. Petrol war in Nijmegen, Netherlands

    International Nuclear Information System (INIS)

    De Jong, E.; Kramer, I.

    2000-01-01

    Since April 2000 a petrol war rages in Nijmegen and surroundings (Netherlands) whereby considerable discounts are given to the national retail prices. The cause of the war is a new unmanned petrol station of the enterprise Tango. In this article the development and the consequences of the discount at petrol stations in Nijmegen and surroundings are analyzed 3 refs

  19. Adaptation strategies in the Netherlands

    NARCIS (Netherlands)

    Gupta, J.; Klostermann, J.E.M.; Bergsma, E.; Jong, P.; Albrecht, E.; Schmidt, M.; Mißler-Behr, M.; Spyra, S.P.N.

    2014-01-01

    Although climate change has been prominently featured on the global scientific and political agendas since the World Climate Conference in 1979 (WCC 1979), the specific importance of adaptation to climate change has only been underlined about 20 years later. The Netherlands, because it lies largely

  20. The Netherlands: self-employed

    NARCIS (Netherlands)

    Houtman, I.L.D.

    2009-01-01

    This is the national contribution to the CAR on self-employed workers in the Netherlands. In this national contribution information is provided on self-employed workers in relation to (1) legal provisions and social security, (2) recent trends in self-employment with no employees, (3) collective

  1. Country update for the Netherlands

    International Nuclear Information System (INIS)

    Dufour, F.C.

    1990-01-01

    This paper reports on the status of geothermal energy development in the Netherlands. It provides statistical data on the wells drilled for direct heat utilization of geothermal resources from January 1, 1985 to January 1, 1990. The well types drilled are as follows: thermal gradient or other scientific purpose, exploration, production, injection, and combined electrical and direct use

  2. Chinese Companies in the Netherlands

    NARCIS (Netherlands)

    Hong, T.M.; Pieke, F.N.; Stam, T.

    2017-01-01

    The rapid growth of Chinese investment in the Netherlands has been cause for both excitement and anxiety. Many of the companies and other investors are still unknown and the background and objectives of their investment often remain unclear. This research takes a close look at fourteen Chinese

  3. Settling in in the Netherlands

    NARCIS (Netherlands)

    Mérove Gijsberts; Marcel Lubbers

    2015-01-01

    Original title: Langer in Nederland What happens to the position of Poles and Bulgarians in the Netherlands in the first years following migration? This publication is based on information from a panel survey which tracks Polish and Bulgarian migrants in the first years after their entry in

  4. Kjeller's impact in the Netherlands

    International Nuclear Information System (INIS)

    Goedkoop, J.A.

    1992-08-01

    This lecture is an attempt to assess the impact in the Netherlands of the bilateral co-operation with Norway in the field of nuclear energy during the fifties and sixties. The story about the establishment, development and abolishment of the Joint Establishment for Nuclear Energy Research (JENER) at Kjeller Norway is told

  5. At home in the Netherlands

    NARCIS (Netherlands)

    Mérove Gijsberts; Jaco Dagevos

    2010-01-01

    The integration of migrants has been exercising minds in the Netherlands for several decades now. The tone of the debate in both the political and public arena has frequently been sombre, reflecting the widespread feeling that large sections of the migrant population, and especially migrants

  6. The Netherlands : A tax haven?

    NARCIS (Netherlands)

    Kemmeren, Eric; Kuijer, Martin; Werner, Wouter

    2017-01-01

    The taxation of multinational enterprises is currently subject to intensive international and national debates. In these debates the Netherlands has sometimes been labelled as a ‘tax haven’. This term has a strong negative connotation. In any case, a country’s reputation is at stake if it is

  7. 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;

  8. Social innovation in the Netherlands

    NARCIS (Netherlands)

    Oeij, P.R.A.; Dhondt, S.; Ooms, M.

    2018-01-01

    The Netherlands is catching up with social innovation. In the former century combating social problems was a task of public organisations and government, largely carried out top down. Today the responsibility to tackle social issues is partly shifting to public-private partnerships, social

  9. How sustainable is the Netherlands?

    International Nuclear Information System (INIS)

    2010-11-01

    This memo compares the sustainability of the Netherlands to foreign countries. It examines existing studies and benchmarks that tell us about the various components of sustainability. A closer look is taken at environmental aspects, spatial use, CO2 emission, labor participation, life expectancy, welfare and corruption. [nl

  10. 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

  11. Getting practical in the Netherlands

    NARCIS (Netherlands)

    Pol, Hendrik Jan; Sonneveld, Wim; Fatih Taşar, M.

    2012-01-01

    Practical work is essential in secondary school science education. Although there is no doubt about that statement, for example in the Netherlands, there is a discussion going on about the efficiency of practical work: what do students learn when they work on practicals, and is this the most

  12. Robotics Activities in The Netherlands

    NARCIS (Netherlands)

    Kranenburg- de Lange, D.J.B.A.

    2010-01-01

    Since April 2010, in The Netherlands robotics activities are coordinated by RoboNED. This Dutch Robotics Platform, chaired by Prof. Stefano Stramigioli, aims to stimulate the synergy between the robotics fields and to formulate a focus. The goal of RoboNED is three fold: 1) RoboNED aims to bring the

  13. European Bat Lyssaviruses, the Netherlands

    NARCIS (Netherlands)

    Poel, van der W.H.M.; Heide, van der R.; Verstraten, E.R.A.M.; Kramps, J.A.

    2005-01-01

    To study European bat lyssavirus (EBLV) in bat reservoirs in the Netherlands, native bats have been tested for rabies since 1984. For all collected bats, data including species, age, sex, and date and location found were recorded. A total of 1,219 serotine bats, Eptesicus serotinus, were tested, and

  14. Coeliac disease in The Netherlands.

    NARCIS (Netherlands)

    Schweizer, JJ; Blomberg - van der Flier, von B.M.E.; Mesquita, HB Bueno-de; Mearin, ML

    2004-01-01

    BACKGROUND: The prevalence of adult coeliac disease in The Netherlands was studied in the Dutch Coeliac Disease Society and in blood donors but not in the general population. We therefore studied the prevalence of recognized and unrecognized coeliac disease in a large cohort, representative of the

  15. Surgical training in the Netherlands

    NARCIS (Netherlands)

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

  16. 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

  17. Net Neutrality in the Netherlands

    NARCIS (Netherlands)

    van Eijk, N.

    2014-01-01

    The Netherlands is among the first countries that have put specific net neutrality standards in place. The decision to implement specific regulation was influenced by at least three factors. The first was the prevailing social and academic debate, partly due to developments in the United States. The

  18. BANKING SUPERVISION IN EUROPEAN UNION

    OpenAIRE

    Lavinia Mihaela GUȚU; Vasile ILIE

    2013-01-01

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

  19. Bank and sovereign debt risk

    OpenAIRE

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

    2013-01-01

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

  20. Seismic Imaging of the Lesser Antilles Subduction Zone Using S-to-P Receiver Functions: Insights From VoiLA

    Science.gov (United States)

    Chichester, B.; Rychert, C.; Harmon, N.; Rietbrock, A.; Collier, J.; Henstock, T.; Goes, S. D. B.; Kendall, J. M.; Krueger, F.

    2017-12-01

    In the Lesser Antilles subduction zone Atlantic oceanic lithosphere, expected to be highly hydrated, is being subducted beneath the Caribbean plate. Water and other volatiles from the down-going plate are released and cause the overlying mantle to melt, feeding volcanoes with magma and hence forming the volcanic island arc. However, the depths and pathways of volatiles and melt within the mantle wedge are not well known. Here, we use S-to-P receiver functions to image seismic velocity contrasts with depth within the subduction zone in order to constrain the release of volatiles and the presence of melt in the mantle wedge, as well as slab structure and arc-lithosphere structure. We use data from 55-80° epicentral distances recorded by 32 recovered broadband ocean-bottom seismometers that were deployed during the 2016-2017 Volatiles in the Lesser Antilles (VoiLA) project for 15 months on the back- and fore-arc. The S-to-P receiver functions are calculated using two methods: extended time multi-taper deconvolution followed by migration to depth to constrain 3-D discontinuity structure of the subduction zone; and simultaneous deconvolution to determine structure beneath single stations. In the south of the island arc, we image a velocity increase with depth associated with the Moho at depths of 32-40 ± 4 km on the fore- and back-arc, consistent with various previous studies. At depths of 65-80 ± 4 km beneath the fore-arc we image a strong velocity decrease with depth that is west-dipping. At 96-120 ± 5 km beneath the fore-arc, we image a velocity increase with depth that is also west-dipping. The dipping negative-positive phase could represent velocity contrasts related to the top of the down-going plate, a feature commonly imaged in subduction zone receiver function studies. The negative phase is strong, so there may also be contributions to the negative velocity discontinuity from slab dehydration and/or mantle wedge serpentinization in the fore-arc.

  1. Flank Collapse Assessment At Kick-'em-Jenny Submarine Volcano (Lesser Antilles): A Combined Approach Using Modelling and Experiments

    Science.gov (United States)

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

    2016-12-01

    In the Lesser Antilles over 52 volcanic landslide episodes have been identified. These episodes serve as a testament to the hazard posed by volcanic landslides to a region composed of many islands that are small independent countries with vulnerable local economies. This study presents a relative slope stability analysis (RIA) to investigate the stability condition of the only active submarine volcano of the Lesser Antilles Arc: Kick-'em-Jenny Submarine Volcano (KeJ). Thus we hope to provide better constraint on the landslide source geometry to help mitigate volcanic landslide hazards at a KeJ. KeJ is located ca. 8 km north of Grenada island. KeJ lies within a collapse scar from a prehistorical flank collapse. This collapse was associated with a voluminous landslide deposit of about 4.4km3 with a 14 km runout. Numerial simulations showed that this event could generate a regional tsunami. We aim to quantify potential initial volumes of collapsed material using a RIA. The RIA evaluates the critical potential failure surface associated with factor of safety (Fs) inferior to unity and compares them to areas of deficit/surplus of mass/volume obtained from the comparison of an high resolution digital elevation model of the edifice with an ideal 3D surface. We use freeware programs VolcanoFit 2.0 and SSAP 4.7. and produce a 3D representation of the stability map. We report, for the first time, results of a Limit Equilibrium Method performed using geomechanical parameters retrieved from rock mechanics tests performed on two rock basaltic-andesite rock samples collected from within the crater of the volcano during the 1-18 November 2013 NA039 E/V Nautilus cruise. We performed triaxial and uniaxial deformation tests to obtain values of strength at the top and bottom of the edifice. We further characterized the permeability and P-wave velocity of the samples collected. The chosen internal structure for the model is composed of three bodies: (i) a body composed of basaltic

  2. 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

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

    African Journals Online (AJOL)

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

  4. FUNGSI SOSIAL BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Prehantoro

    2010-04-01

    Full Text Available Bank of Moslem law one of its target is profit oriented as financial institution intermediasi beside as institute of baitul maal. Bank of Moslem law can accept the fund coming from zakat , infak, alms, hibah, or other social fund which among other things come the ta’zir. Bank of Moslem law also channel it social fund coming from communal ownership of money to communal ownership organizer (nadzir as according to will ;desire of communal ownership giver (wakif. social Function execution have to pursuant to Statute of Management of Zakat and Statute of Wakaf.

  5. 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.

  6. 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.

  7. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

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

  8. 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...

  9. Reliability data banks

    International Nuclear Information System (INIS)

    Cannon, A.G.; Bendell, A.

    1991-01-01

    Following an introductory chapter on Reliability, what is it, why it is needed, how it is achieved and measured, the principles of reliability data bases and analysis methodologies are the subject of the next two chapters. Achievements due to the development of data banks are mentioned for different industries in the next chapter, FACTS, a comprehensive information system for industrial safety and reliability data collection in process plants are covered next. CREDO, the Central Reliability Data Organization is described in the next chapter and is indexed separately, as is the chapter on DANTE, the fabrication reliability Data analysis system. Reliability data banks at Electricite de France and IAEA's experience in compiling a generic component reliability data base are also separately indexed. The European reliability data system, ERDS, and the development of a large data bank come next. The last three chapters look at 'Reliability data banks, - friend foe or a waste of time'? and future developments. (UK)

  10. Bangladesh Bank Heist

    OpenAIRE

    Md Ahsan Habib

    2017-01-01

    Cyber crime is a threat to our E- commerce . A hacker group named "Lazarus" hacked $951 million from Bangladesh Bank's account. This is the short case study of this incident with professional ethical view.

  11. Mitigation Banking Factsheet

    Science.gov (United States)

    A mitigation bank is an aquatic resource area that has been restored, established, enhanced, or preserved for the purpose of providing compensation for unavoidable impacts to aquatic resources permitted under Section 404

  12. Competition between bank regulators

    OpenAIRE

    Schindler, Dirk; Eggert, Wolfgang

    2004-01-01

    This paper examines competition between bank regulators in open economies. We use a model where credit demand of firms is endogenous and show any tendency for downward competition in regulation policy is limited by the effect of regulation on profits of nonfinancial firms. Moreover, perfect mobility on loans and deposit markets fully eliminates the incentives of regulators to set bank regulation at ine±cient low levels.

  13. Central banks: Paradise lost

    OpenAIRE

    Issing, Otmar

    2012-01-01

    The focus of the paper is to analyze how the concept behind central bank policy developed over time and how the recent financial crisis and its consequences will have an influence. While the principles of the institutional arrangement for central banks (independence, clear mandate, prohibition of monetary financing) are relevant as ever, pre- crisis consensus strategies of monetary policy have been revealed as flawed. The close monitoring of money and credit developments, a key lesson to be d...

  14. Improving Banking Supervision

    OpenAIRE

    Mayes, David G.

    1998-01-01

    This paper explains how banking supervision within the EU, and in Finland in particular, can be improved by the implementation of greater market discipline and related changes. Although existing EU law, institutions, market structures and practices of corporate governance restrict the scope for change, substantial improvements can be introduced now while there is a window of opportunity for change. The economy is growing H5ly and the consequences of the banking crises of the early 1990s have ...

  15. Solar energy in Amersfoort, Netherlands

    International Nuclear Information System (INIS)

    Eijpe, H.A.

    1997-01-01

    For the first time in the world a newly to be built housing area (Nieuwland in Amersfoort, Netherlands) will be constructed, exclusively on the basis of sustainability. First, the use of three forms of solar energy conversion techniques (thermal solar energy, passive solar energy and photovoltaic energy) is going to be integrated in 50 rental houses. At the end of this century 10,000 m 2 of solar cells will be installed with a capacity of 1 MWp. 2 figs

  16. Role of Foreign Banks in Integration of Banking Industry

    Directory of Open Access Journals (Sweden)

    Roman Šubić

    2009-12-01

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

  17. Mobile banking: New trend in the contemporary banking sector

    Directory of Open Access Journals (Sweden)

    Sanader Dušica

    2014-01-01

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

  18. NEA data bank

    International Nuclear Information System (INIS)

    1983-01-01

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

  19. SEGMENTASI LAYANAN INTERNET BANKING

    Directory of Open Access Journals (Sweden)

    Ellen Theresia Sihotang

    2017-04-01

    Full Text Available The purpose of this study is to analyze internet banking�s users based on their experiences. It can be used to set marketing program of internet banking that appropriate with customers needs, in order to anticipate tight competition. This research methods starts with focus group discussion and clustering analysis to classify 312 respondents of internet banking users based on demographic, benefit and behavioral segmentation. The sampling method uses purposive sampling and snowball sampling. K-Means Clustering method�s produces four optimal clusters. The benefit orientation of the first cluster in on time saving. Second cluster, concern on the ease of getting and operating internet banking so this cluster does not need auxiliary features such as video guide to use internet banking. The third cluster�s orientation is on the modern lifestyle and the ease of getting and operating internet banking service with detailed daily mutation transaction The fourth cluster, concerns on the detailed daily mutation transaction but they are not sure with the security of personal data via internet banking. �

  20. 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.

  1. The effectiveness of banking supervision

    OpenAIRE

    Davis, EP; Obasi, U

    2009-01-01

    Banking supervision is an essential aspect of modern financial systems, seeking crucially to monitor risk-taking by banks so as to protect depositors, the government safety net and the economy as a whole against systemic bank failure and its consequences. In this context, this paper seeks to explore the relationship between risk indicators for individual banks and the different approaches to banking supervision adopted around the world. This is the first work to make use of the currently avai...

  2. Bimodal volcanism in northeast Puerto Rico and the Virgin Islands (Greater Antilles Island Arc): Genetic links with Cretaceous subduction of the mid-Atlantic ridge Caribbean spur

    Science.gov (United States)

    Jolly, Wayne T.; Lidiak, Edward G.; Dickin, Alan P.

    2008-07-01

    Bimodal extrusive volcanic rocks in the northeast Greater Antilles Arc consist of two interlayered suites, including (1) a predominantly basaltic suite, dominated by island arc basalts with small proportions of andesite, and (2) a silicic suite, similar in composition to small volume intrusive veins of oceanic plagiogranite commonly recognized in oceanic crustal sequences. The basaltic suite is geochemically characterized by variable enrichment in the more incompatible elements and negative chondrite-normalized HFSE anomalies. Trace element melting and mixing models indicate the magnitude of the subducted sediment component in Antilles arc basalts is highly variable and decreases dramatically from east to west along the arc. In the Virgin Islands, the sediment component ranges between 4% during the Cenomanian-Campanian interval. The silicic suite, consisting predominantly of rhyolites, is characterized by depleted Al 2O 3 (average Virgin Islands on the east, rhyolites comprise up to 80% of Lower Albian strata (112 to 105 Ma), and about 20% in post-Albian strata (105 to 100 Ma). Farther west, in Puerto Rico, more limited proportions (Atlantic Ridge, which was located approximately midway between North and South America until Campanian times. Within this hypothetical setting the centrally positioned Virgin Islands terrain remained approximately fixed above the subducting ridge as the Antilles arc platform swept northeastward into the slot between the Americas. Accordingly, heat flow in the Virgin Islands was elevated throughout the Cretaceous, giving rise to widespread crustal melting, whereas the subducted sediment flux was limited. Conversely, toward the west in central Puerto Rico, which was consistently more remote from the subducting ridge, heat flow was relatively low and produced limited crustal melting, while the sediment flux was comparatively elevated.

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

    Directory of Open Access Journals (Sweden)

    Markova O.M.

    2017-04-01

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

  4. 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.

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

    OpenAIRE

    Lavigne, Claire; Lesueur-Jannoyer, M.; de 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 ...

  6. First results of U-Pb dating of metamorphic rocks of the Greater Antilles arc: age of the Mabujina complex (Cuba)

    International Nuclear Information System (INIS)

    Bibikova, E.V.; Somin, M.L.; Gracheva, T.V.; Makarov, V.A.; Mil'yan, G.; Shukolyukov, Yu.A.; AN SSSR, Moscow

    1988-01-01

    U-Pb-dating of zircons, entering the composition of metamorphic rocks of the Mabujina complex, was conducted in order to solve the problem concerming the place of metamorphic complexes in the structure and tectonic evolution of the Greater Antilles arc. The accuracy of uranium and lead determination was equal to ± 1%, the accuracy of lead isotopic ratio determination with the use of TSN-206A mass-spectrometer- ±0.15%. Isotope data showed, that all examined zircons crystallized about 100 mil. years ago

  7. 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.

  8. Shifts in functional plant groups in ditch banks under agri-environment schemes and in nature reserves

    NARCIS (Netherlands)

    Dijk, van W.F.A.; Schaffers, A.P.; Ruijven, van J.; Berendse, F.; Snoo, de G.R.

    2013-01-01

    Management of ditch banks of agricultural fields is considered to be a promising and multifunctional application of agri-environment schemes (AES) on farmland. Our previous research has shown that in the Netherlands, there is a small increase in the number of target plant species of AES in ditch

  9. Plant distribution patterns related to species characteristics and spatial and temporal habitat heterogeneity in a network of ditch banks

    NARCIS (Netherlands)

    Geertsema, W.; Sprangers, J.T.C.M.

    2002-01-01

    In this study we investigated the relationship between the distribution patterns of a number of herbaceous plant species and the isolation and age of habitat patches. The study was conducted for a network of ditch banks in an agricultural landscape in The Netherlands. Thirteen plant species were

  10. Road deaths in the Netherlands. [Previously known as: Road fatalities in The Netherlands.

    NARCIS (Netherlands)

    2011-01-01

    This fact sheet outlines the development of the number of road deaths in the Netherlands since 1950. After a rise in the 1950s and 1960s, the number of road deaths in the Netherlands has shown a gradual decline since 1973. In 2016, there were 629 road deaths in the Netherlands. After the years of

  11. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

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

  12. ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

    Directory of Open Access Journals (Sweden)

    Nani Hartati

    2017-11-01

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

  13. 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')

  14. THE RISE OF MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2015-12-01

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

  15. Development of tissue bank

    Directory of Open Access Journals (Sweden)

    R P Narayan

    2012-01-01

    Full Text Available The history of tissue banking is as old as the use of skin grafting for resurfacing of burn wounds. Beneficial effects of tissue grafts led to wide spread use of auto and allograft for management of varied clinical conditions like skin wounds, bone defects following trauma or tumor ablation. Availability of adequate amount of tissues at the time of requirement was the biggest challenge that forced clinicians to find out techniques to preserve the living tissue for prolonged period of time for later use and thus the foundation of tissue banking was started in early twentieth century. Harvesting, processing, storage and transportation of human tissues for clinical use is the major activity of tissue banks. Low temperature storage of processed tissue is the best preservation technique at present. Tissue banking organization is a very complex system and needs high technical expertise and skilled personnel for proper functioning in a dedicated facility. A small lapse/deviation from the established protocol leads to loss of precious tissues and or harm to recipients as well as the risk of transmission of deadly diseases and tumors. Strict tissue transplant acts and stringent regulations help to streamline the whole process of tissue banking safe for recipients and to community as whole.

  16. Materials information data bank

    International Nuclear Information System (INIS)

    Mead, K.E.

    1978-03-01

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

  17. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

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

  18. Forearc structure in the Lesser Antilles inferred from depth to the Curie temperature and thermo-mechanical simulations

    Science.gov (United States)

    Gailler, Lydie; Arcay, Diane; Münch, Philippe; Martelet, Guillaume; Thinon, Isabelle; Lebrun, Jean-Frédéric

    2017-06-01

    Imaging deep active volcanic areas remains a challenge in our understanding of their activity and evolution, especially in subduction zones. Study of magnetic anomalies is appropriate to access such dynamics in depth. The magnetic anomaly pattern of the Lesser Antilles Arc (LAA) subduction is studied through Curie Point Depth (CPD), interpreted as the depth of the 580 °C isotherm, and developed to better assess the deep thermal structure of the arc. The depth of the estimated CPD exhibits a complex topography. Keeping in mind the overall uncertainty associated with this method, a main doming is evidenced below the Guadeloupe archipelago. Its apex is shifted towards the ancient arc, suggesting a very hot state of the fore-arc/arc domain. To better understand the LAA thermal state, we perform 2D thermo-mechanical simulations of the subduction zone. Recalling that magnetite is a serpentinization by-product, we simulate water transfer triggered by slab dehydration to test the assumption of fore-arc serpentinization suggested by the positive magnetic anomaly in the vicinity of the Guadeloupe archipelago. In this area, the subduction-induced arc lithosphere hydration and related weakening trigger a fast heating of the upper plate by basal convective removal. This process of fast arc lithosphere thinning may apply where simultaneously the volcanic arc is split in two and normal convergence is high enough. As serpentinization strongly decreases P-wave velocity, we propose a new interpretation of a published seismic profile below Guadeloupe. The seismic layer previously interpreted as the arc lower crust may rather be a layer of serpentinized mantle, as supported by spatial correlations between gravimetric and magnetic anomalies. Consequently, at the scale of Guadeloupe Island, the fore-arc Moho would be shallower than initially assumed, with a dome shape more consistent with both the extensive deformation active since the Oligocene in the inner fore-arc and the CPD doming.

  19. The Molybdenum Isotope System as a Tracer of Slab Input in Subduction Zones: An Example From Martinique, Lesser Antilles Arc

    Science.gov (United States)

    Gaschnig, Richard M.; Reinhard, Christopher T.; Planavsky, Noah J.; Wang, Xiangli; Asael, Dan; Chauvel, Catherine

    2017-12-01

    Molybdenum isotopes are fractionated by Earth-surface processes and may provide a tracer for the recycling of crustal material into the mantle. Here, we examined the Mo isotope composition of arc lavas from Martinique in the Lesser Antilles arc, along with Cretaceous and Cenozoic Deep Sea Drilling Project sediments representing potential sedimentary inputs into the subduction zone. Mo stable isotope composition (defined as δ98Mo in ‰ deviation from the NIST 3134 standard) in lavas older than ˜7 million years (Ma) exhibits a narrow range similar to and slightly higher than MORB, whereas those younger than ˜7 Ma show a much greater range and extend to unusually low δ98Mo values. Sediments from DSDP Leg 78A, Site 543 have uniformly low δ98Mo values whereas Leg 14, Site 144 contains both sediments with isotopically light Mo and Mo-enriched black shales with isotopically heavy Mo. When coupled with published radiogenic isotope data, Mo isotope systematics of the lavas can be explained through binary mixing between a MORB-like end-member and different sedimentary compositions identified in the DSDP cores. The lavas older than ˜7 Ma were influenced by incorporation of isotopically heavy black shales into the mantle wedge. The younger lavas are the product of mixing isotopically light sedimentary material into the mantle wedge. The change in Mo isotope composition of the lavas at ˜7 Ma is interpreted to reflect the removal of the Cretaceous black shale component due to the arrival of younger ocean crust where the age-equivalent Cretaceous sediments were deposited in shallower oxic waters. Isotopic fractionation of Mo during its removal from the slab is not required to explain the observed systematics in this system.

  20. Magnetic structure of Basse-Terre volcanic island (Guadeloupe, Lesser Antilles) inferred from 3D inversion of aeromagnetic data

    Science.gov (United States)

    Barnoud, Anne; Bouligand, Claire; Coutant, Olivier; Carlut, Julie

    2017-12-01

    We interpret aeromagnetic data to constrain the magnetic structure of the island of Basse-Terre, Guadeloupe, Lesser Antilles. Aeromagnetic data are inverted in the spatial domain with a Bayesian formulation to retrieve the 3D distribution of rock magnetization intensity and polarity. The inversion is regularized using a correlation length and standard deviation for magnetization chosen to be consistent with results from paleomagnetic measurements on lava flow samples from Basse-Terre. The resulting 3D model of magnetization is consistent at the surface with observed polarities and at depth with a 2D model obtained from a Parker and Huestis (1974) inversion in the Fourier domain. The inferred magnetic structure is compared with the available geological information deduced from published geological, geomorphological and geochronological studies. In the southern part of the island, very low magnetization is observed around the Soufrière lava dome, last activity of the Grande-Découverte-Carmichaël-Soufrière composite volcano, in relation with a high level of hydrothermal alteration. High-magnetizations in the South-East might reflect the presence of massive lava flows and lava domes from the Madeleine vents and Monts Caraïbes. Medium magnetizations in the South-West coincide with the location of debris avalanche deposits associated with the collapse of the former Carmichaël volcano and might reflect less massive lava structure at depth. Using the volume of normal polarity in the South part of Basse-Terre recovered in our 3D model of rock magnetization, we estimate an average construction rate of ∼ 9.4 ×10-4 km3/yr during the Brunhes chron which provides new insights on the volcanic activity of La Soufrière volcano.

  1. Customer loyalty in Internet banking

    OpenAIRE

    Eriksson, M.; Schuster, C.

    2008-01-01

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

  2. 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.

  3. Reactor safety in the Netherlands

    International Nuclear Information System (INIS)

    Eendebak, B.Th.

    1983-01-01

    In this book, the author gives a survey of the most important safety aspects of the construction and operation of nuclear power plants in the Netherlands. It deals with concrete questions like how to choose appropriate sites for power plants; what are the risks for people living in their surroundings; what are the consequences of possible accidents; what to do with the nuclear wastes and what are the conseqences for new generations. For answering these questions, the author has presented a fairly well documented outline of the contemporary problems. So, the book is a useful tool for everybody who wants to become acquainted with the nuclear controversy (G.J.P.)

  4. 12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

    Science.gov (United States)

    2010-01-01

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

  5. Nuclear Plant Data Bank

    International Nuclear Information System (INIS)

    Booker, C.P.; Turner, M.R.; Spore, J.W.

    1986-01-01

    The Nuclear Plant Data Bank (NPDB) is being developed at the Los Alamos National Laboratory to assist analysts in the rapid and accurate creation of input decks for reactor transient analysis. The NPDB will reduce the time and cost of the creation or modification of a typical input deck. This data bank will be an invaluable tool in the timely investigation of recent and ongoing nuclear reactor safety analysis. This paper discusses the status and plans for the NPDB development and describes its anticipated structure and capabilities

  6. 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.

  7. Islamic Development Bank

    Energy Technology Data Exchange (ETDEWEB)

    1978-06-01

    The Islamic Development Bank (IDB) was opened formally in October 1975 to foster the economic development and social progress of its member countries and Moslem communities individually as well as jointly in accordance with the priniciples of Islamic law. Its functions include participation in equity capital, granting loans for projects and enterprises, extending training facilities, and promoting foreign trade, especially in capital goods, among the member countries. The 34-member Bank is capitalized at 2 billion Islamic Dinars and located in Jeddah, Saudi Arabia.

  8. Cyber risk in banking

    OpenAIRE

    Linert, Jan

    2015-01-01

    The bachelor thesis deals with the cyber risk in banking industry. Its main goal is to stress the imporatance of cyber risk both verbally and numericaly and review the approach of banks to this risk. The first part of this thesis specifies what cyber risk is and how it fits among other operational risks, presents the common cyber-attacks and archetypes of cyber criminals, later it delves into the cyber risk in Czech Republic and at the end of this part it mentions the legislation that covers ...

  9. Bank Insolvency Procedures and Market Discipline in European Banking

    OpenAIRE

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  10. 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.

  11. 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.

  12. Commercial Activity or Banking Competition?

    Directory of Open Access Journals (Sweden)

    Rose-Marie Pușcaciu

    2015-12-01

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

  13. The Social State of the Netherlands 2009

    NARCIS (Netherlands)

    Rob Bijl; Jeroen Boelhouwer; Evert Pommer; Peggy Schyns

    2010-01-01

    How is the Dutch population faring? That is the central question addressed in The Social State of the Netherlands 2009. In this book we describe the present status of the Netherlands and the Dutch in a number of key areas of life, and also highlight the changes that have taken place in people's

  14. 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

  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

  16. Rise in maternal mortality in the Netherlands

    NARCIS (Netherlands)

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

    2010-01-01

    To assess causes, trends and substandard care factors in maternal mortality in the Netherlands. Design Confidential enquiry into the causes of maternal mortality. Nationwide in the Netherlands. 2,557,208 live births. Data analysis of all maternal deaths in the period 1993-2005. Maternal mortality.

  17. The Netherlands: A Case of Fading Leadership

    NARCIS (Netherlands)

    Liefferink, J.D.; Boezeman, D.F.; Coninck, H.C. de; Wurzel, R.K.W.; Connelly, J.; Liefferink, D.

    2017-01-01

    This chapter analyses the relationship between the development of domestic climate policy in the Netherlands and the Dutch efforts in this field in the EU and international arena since the 1980s. Traditionally, the Netherlands has enjoyed a reputation as an environmental and climate leader, based on

  18. The Social State of the Netherlands

    NARCIS (Netherlands)

    Rob Bijl; Jeroen Boelhouwer; Evert Pommer

    2007-01-01

    Original title: De sociale staat van Nederland 2007. How is the Dutch population faring? That is the central question addressed in The Social State of the Netherlands 2007. To answer this question, the report describes the position of the Netherlands and the Dutch in a number of key areas of

  19. 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

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

    African Journals Online (AJOL)

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

  1. Evolution of central banking? De Nederlandsche Bank 1814-1852

    NARCIS (Netherlands)

    Uittenbogaard, R.A.

    2014-01-01

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

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

    African Journals Online (AJOL)

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

  3. Natural gas in the Netherlands

    Energy Technology Data Exchange (ETDEWEB)

    de Voogd, J G

    1965-08-01

    In 1948, the first natural gas was found in Netherlands. Since 1951 it has been supplied by gas undertakings. Originally reserves were limited (c. 350 milliard ftU3D of dry gas in the NE. and c. 175 milliard ftU3D, mostly wet gas, in the SW). These finds have been completely overshadowed by the huge deposits discovered in 1960 in the province of Groningen near the village of Slochteren, these reserves being estimated now at 38.5 billion ftU3D at least. This gas is not of high cal val (894 Btu/ftU3D), but contains only traces of sulfur. The concession is being developed for a partnership formed by Shell (30%), Standard Oil Company of new Jersey (Esso, 30%), and ''Staatsmijnen,'' the Government owned Netherlands State Mining Industry (40%). The natural gas is destined, first, for domestic use, especially, for space heating, and secondly, for industrial purpose, after which important quantities will be available for export.

  4. 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...

  5. BANKING SUPERVISION IN EUROPEAN UNION

    Directory of Open Access Journals (Sweden)

    Lavinia Mihaela GUȚU

    2013-10-01

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

  6. American Association of Tissue Banks

    Science.gov (United States)

    ... Committees Accreditation American Board of Tissue Banking Bylaws / Ethics Communications Donor Family Services Ad Hoc Committee Education Finance ... Bureau Accredited Bank Search Bookstore Bulletins Global Topics Communications & Media Job Center News Releases Patients and Community Useful ...

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

    OpenAIRE

    Angel, Christania Graciella

    2014-01-01

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

  8. Water quality and treatment of river bank filtrate

    Directory of Open Access Journals (Sweden)

    W. W. J. M. de Vet

    2010-06-01

    Full Text Available In drinking water production, river bank filtration has the advantages of dampening peak concentrations of many dissolved components, substantially removing many micropollutants and removing, virtually completely, the pathogens and suspended solids. The production aquifer is not only fed by the river bank infiltrate but also by water percolating through covering layers. In the polder areas, these top layers consist of peat and deposits from river sediments and sea intrusions.

    This paper discusses the origin and fate of macro components in river bank filtrate, based on extensive full-scale measurements in well fields and treatment systems of the Drinking Water Company Oasen in the Netherlands. First, it clarifies and illustrates redox reactions and the mixing of river bank filtrate and PW as the dominant processes determining the raw water quality for drinking water production. Next, full-scale results are elaborated on to evaluate trickling filtration as an efficient and proven one-step process to remove methane, iron, ammonium and manganese. The interaction of methane and manganese removal with nitrification in these systems is further analyzed. Methane is mostly stripped during trickling filtration and its removal hardly interferes with nitrification. Under specific conditions, microbial manganese removal may play a dominant role.

  9. Human milk banking.

    Science.gov (United States)

    O'Hare, Esther Marie; Wood, Angela; Fiske, Elizabeth

    2013-01-01

    Forms of human milk banking and donation have been present for more than a century worldwide, but, since 1985, the Human Milk Banking Association of North America (HM BANA) has established guidelines to make the use of donor's breast milk safe and the second best form of feeding to maternal breast milk for a neonatal intensive care unit (NICU) infant. The Indiana Mother's Human Milk Bank provides an extensive and meticulous process of selecting breast milk donors. The process begins with a phone interview with a potential donor and includes the review of the donor's medical records, blood laboratory screening, medication and dietary intake, as well as consent from the donor's pediatrician. The milk bank follows steps of collecting, storing, and receiving the breast milk in accordance with the guidelines of the HM BANA. Pasteurization is the method used to ensure the proper heating and cooling of breast milk. Despite the rigorous pasteurization method, the donor's breast milk will not lose most of the important beneficial components needed for sick or ill NICU infants. Every batch of pasteurized breast milk will be cultured for any possible contamination and shipped to NICUs after it has been cleared by laboratory testing.

  10. 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.

  11. UBS BANK INFORMATION

    CERN Document Server

    UBS, CERN branch

    2002-01-01

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

  12. Central Banking after the Crisis

    OpenAIRE

    Frederick S. Mishkin

    2013-01-01

    This paper explores where central banking is heading after the recent financial crisis. First it discusses the central bank consensus before the crisis and then outlines the key facts learned from the crisis that require changes in the way central banks conduct their business. Finally, it discusses four main areas in which central banks are altering their policy frameworks: 1) the interaction between monetary and financial stability policies, 2) nonconventional monetary policy, 3) risk manage...

  13. Aggregate Uncertainty, Money and Banking

    OpenAIRE

    Hongfei Sun

    2006-01-01

    This paper studies the problem of monitoring the monitor in a model of money and banking with aggregate uncertainty. It shows that when inside money is required as a means of bank loan repayment, a market of inside money is entailed at the repayment stage and generates information-revealing prices that perfectly discipline the bank. The incentive problem of a bank is costlessly overcome simply by involving inside money in repayment. Inside money distinguishes itself from outside money by its ...

  14. Scrum methodology in banking environment

    OpenAIRE

    Strihová, Barbora

    2015-01-01

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

  15. Efficiency model of Russian banks

    OpenAIRE

    Pavlyuk, Dmitry

    2006-01-01

    The article deals with problems related to the stochastic frontier model of bank efficiency measurement. The model is used to study the efficiency of the banking sector of The Russian Federation. It is based on the stochastic approach both to the efficiency frontier location and to individual bank efficiency values. The model allows estimating bank efficiency values, finding relations with different macro- and microeconomic factors and testing some economic hypotheses.

  16. The efficiency of bank branches

    OpenAIRE

    Omid Takbiri; Mohammad Mohammadi; Bahman Naderi

    2015-01-01

    Banking industry has significant contribution in development of economies of developing countries. Most banks execute their operations through different branches. Therefore it is important to measure the relative efficiencies of these branches. Data envelopment analysis (DEA) is one of the most useful tools in measuring banks’ performance. The present paper aims to extract ranking pattern of banks based on performance evaluation using DEA analysis. In the present research, 120 bank branches o...

  17. Cash efficiency for bank branches

    OpenAIRE

    Cabello, Julia Garc?a

    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 ...

  18. The pricing of bank debt guarantees

    NARCIS (Netherlands)

    Arping, S.

    2010-01-01

    We analyze the desirability of fair pricing of government guarantees for bank liabilities. Fair pricing is desirable only if the banking sector is sufficiently transparent. In opaque banking systems, fair pricing may exacerbate banks' incentive to take excessive risks.

  19. 75 FR 49493 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-08-13

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

  20. 75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-21

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

  1. 76 FR 59396 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-09-26

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

  2. 75 FR 5322 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-02-02

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

  3. 75 FR 3904 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-01-25

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

  4. 75 FR 9414 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-03-02

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

  5. 77 FR 3475 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-24

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

  6. 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.

  7. 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

  8. Teaching Bank Runs through Films

    Science.gov (United States)

    Flynn, David T.

    2009-01-01

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

  9. Bank Relationship and Firm Profitability

    NARCIS (Netherlands)

    Degryse, H.A.; Ongena, S.

    2000-01-01

    This paper examines how bank relationships affect firm performance. An empirical implication of recent theoretical models is that firms maintaining multiple bank relationships are less profitable than their single-bank peers. We investigate this empirical implication using a data set containing

  10. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  11. Contribution of Internet Banking toward Profitability of Banking in India

    Directory of Open Access Journals (Sweden)

    Majid Karimzadeh

    2015-12-01

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

  12. How to: Establish and run a stool bank.

    Science.gov (United States)

    Terveer, E M; van Beurden, Y H; Goorhuis, A; Seegers, J F M L; Bauer, M P; van Nood, E; Dijkgraaf, M G W; Mulder, C J J; Vandenbroucke-Grauls, C M J E; Verspaget, H W; Keller, J J; Kuijper, E J

    2017-12-01

    Since 2013, several stool banks have been developed following publications reporting on clinical success of 'faecal microbiota transplantation' (FMT) for recurrent Clostridium difficile infections (CDI). However, protocols for donor screening, faecal suspension preparation, and transfer of the faecal suspension differ between countries and institutions. Moreover, no European consensus exists regarding the legislative aspects of the faecal suspension product. Internationally standardized recommendations about the above mentioned aspects have not yet been established. In 2015, the Netherlands Donor Feces Bank (NDFB) was founded with the primary aim of providing a standardized product for the treatment of patients with recurrent CDI in the Netherlands. Standard operation procedures for donor recruitment, donor selection, donor screening, and production, storage, and distribution of frozen faecal suspensions for FMT were formulated. Our experience summarized in this review addresses current donor recruitment and screening, preparation of the faecal suspension, transfer of the faecal microbiota suspension, and the experiences and follow-up of the patients treated with donor faeces from the NDFB. Copyright © 2017 European Society of Clinical Microbiology and Infectious Diseases. Published by Elsevier Ltd. All rights reserved.

  13. 12 CFR 996.2 - Bank employees.

    Science.gov (United States)

    2010-01-01

    ... RESOLUTION FUNDING CORPORATION § 996.2 Bank employees. Upon the request of the Directorate of the Resolution..., employees, or agents of the Banks are authorized to act for and on behalf of the Resolution Funding... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Bank employees. 996.2 Section 996.2 Banks and...

  14. Integrating Volcanic Hazard Data in a Systematic Approach to Develop Volcanic Hazard Maps in the Lesser Antilles

    Directory of Open Access Journals (Sweden)

    Jan M. Lindsay

    2018-04-01

    Full Text Available We report on the process of generating the first suite of integrated volcanic hazard zonation maps for the islands of Dominica, Grenada (including Kick ‘em Jenny and Ronde/Caille, Nevis, Saba, St. Eustatius, St. Kitts, Saint Lucia, and St Vincent in the Lesser Antilles. We developed a systematic approach that accommodated the range in prior knowledge of the volcanoes in the region. A first-order hazard assessment for each island was used to develop one or more scenario(s of likely future activity, for which scenario-based hazard maps were generated. For the most-likely scenario on each island we also produced a poster-sized integrated volcanic hazard zonation map, which combined the individual hazardous phenomena depicted in the scenario-based hazard maps into integrated hazard zones. We document the philosophy behind the generation of this suite of maps, and the method by which hazard information was combined to create integrated hazard zonation maps, and illustrate our approach through a case study of St. Vincent. We also outline some of the challenges we faced using this approach, and the lessons we have learned by observing how stakeholders have interacted with the maps over the past ~10 years. Based on our experience, we recommend that future map makers involve stakeholders in the entire map generation process, especially when making design choices such as type of base map, use of colour and gradational boundaries, and indeed what to depict on the map. We also recommend careful consideration of how to evaluate and depict offshore hazard of island volcanoes, and recommend computer-assisted modelling of all phenomena to generate more realistic hazard footprints. Finally, although our systematic approach to integrating individual hazard data into zones generally worked well, we suggest that a better approach might be to treat the integration of hazards on a case-by-case basis to ensure the final product meets map users' needs. We hope that

  15. 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

  16. 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

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

    Directory of Open Access Journals (Sweden)

    Buddi Wibowo

    2016-08-01

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

  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. Banks, markets, and financial stability

    OpenAIRE

    Eder, Armin; Fecht, Falko; Pausch, Thilo

    2014-01-01

    In a theoretical model of the Diamond-Dybvig style, in which deposit-taking banks and financial markets coexist, bank behavior is analyzed taking into account a positive ex-ante probability of a future financial crisis. We focus on the role of the interaction of market liquidity and banks' funding liquidity in the propagation of shocks in the financial system. Our findings suggest that in particular bank-dominated financial systems are prone to contagious bank runs due to asset price deterior...

  20. Energy prospects in the Netherlands

    Energy Technology Data Exchange (ETDEWEB)

    Latzko, D.G.H.

    1976-12-01

    The world situation on energy supplies is surveyed briefly, including problems that might arise concerning production and transport; then, the energy situation in the Netherlands is treated. For the purpose of this article, only relevant primary sources of energy, those whose large-scale utilization had been demonstrated to date, viz., fossil fuels, hydroelectric power, uranium in light-water reactors, and solar radiation came up for discussion. For the pronounced growth in total consumption the model proposed by A.A. De Boer (Econ. Statist. Rep., 59, No. 2954, 469-71(1974)) and inspired by the Dutch economist Prof. Tinbergen was adopted. This model assumes a gradual decrease in the annual growth to 1 or 2 percent about the year 2012. On the basis of this model, meeting the resultant demand for energy until the turn of the century is investigated.

  1. Energy Report Netherlands 2000 (EVN)

    International Nuclear Information System (INIS)

    Bruijn, A.

    2000-01-01

    An overview of developments and events in the Netherlands in 2000 in the field of energy is presented. This edition comprises three parts. In the first part (Chronicle) a chronological overview is given of events in 2000 regarding governmental and energy policy, developments in the sectors natural gas and petroleum exploration, refineries and petroleum products, electric power production and the natural gas industry, the energy distribution sector, renewable energy and energy conservation. In part 2 (Focus) three items, which have been in particular important for the energy sector or for the Dutch society, are discussed in more detail. Attention is paid to the high oil prices, the Dutch climate policy in an international perspective, energy labels and energy bonuses. The final part (3, Trends) is based on statistical data and presents trends with regard to energy prices, energy demand, energy supply, energy-related emissions, and the market development of energy technologies and energy efficient products. 36 refs

  2. Nucnet experience in the Netherlands

    International Nuclear Information System (INIS)

    Souwer, Corinne

    1993-01-01

    Nuclear Energy is a highly debated issue in the Netherlands. Public opposition has caused many delays in political decision making in relation with the expansion of new power plants. Recently the need for new reactor designs like the inherently safe reactors has become stronger. This is important for the communicators working in the nuclear field. Therefore it is needed to have a communication policy in which the main goal is building community relations focusing to public concerns and needs to gain acceptance. The public needs to be informed on options and benefits. Positive messages can influence attention and understanding, for example newspaper articles and television programs. Nucnet is an important instrument in building these relations

  3. Can taxes tame the banks?

    DEFF Research Database (Denmark)

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

    In the wake of the financial crisis, a number of countries have introduced levies on bank borrowing with the aim of reducing risk in the financial sector. This paper studies the behavioral responses to the bank levies and evaluates the policy. We find that the levies induced banks to borrow less...... but also to hold more risky assets. The reduction in funding risk clearly dominates for banks with high capital ratios but is exactly offset by the increase in portfolio risk for banks with low capital ratios. This suggests that while the levies have reduced the total risk of relatively safe banks......, they have done nothing to curb the risk of relatively risky banks, which presumably pose the greatest threat to financial stability...

  4. Ownership concentration and bank profitability

    Directory of Open Access Journals (Sweden)

    Peterson Kitakogelu Ozili

    2017-12-01

    Full Text Available We investigate whether ownership concentration influences bank profitability in a developing country context. We focus on bank ownership concentration measured as the amount of direct equity held by a majority shareholder categorised into: high ownership concentration, moderate ownership concentration and disperse ownership. We find that banks with high ownership concentration have higher return on assets, higher net interest margin and higher recurring earning power while banks with dispersed ownership have lower return on assets but have higher return on equity. Also, higher cost efficiency improves the return on assets of widely-held banks and the return on equity of banks with moderate ownership. The findings have implications. JEL: Code: G3, G34, G31, Keywords: Corporate governance, Ownership structure, Agency theory, Profitability, Firm performance, Banks, Return on asset, Return on equity

  5. Impacts of climate change in the Netherlands

    International Nuclear Information System (INIS)

    Bresser, A.H.M.; Berk, M.M.; Van den Born, G.J.; Van Bree, L.; Van Gaalen, F.W.; Ligtvoet, W.; Van Minnen, J.G.; Witmer, M.C.H.

    2005-10-01

    The main conclusion of the study on the title subject is that the impacts of climatic change in the Netherlands are still limited. However, the impacts will be stronger in the next decades and will be even problematic at the end of this century. In this book an overview is given of probable changes in the climate for the Netherlands, danger for flooding in specific areas of the Netherlands, changes of the nature, impacts for agriculture, tourism and recreation, and industry and businesses, and risks for public health [nl

  6. 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...

  7. 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

  8. The European Central Bank

    OpenAIRE

    Binder, Michael; Wieland, Volker

    2006-01-01

    The establishment of the ECB and with it the launch of the euro has arguably been a unique endeavor in economic history, representing an important experiment in central banking. This note aims to summarize some of the main lessons learned from this experiment and sketch some of the prospects for the ECB. It is written for "The New Palgrave Dictionary of Economics", 2nd edition. JEL Classification: E52, E58

  9. En Ung bank

    OpenAIRE

    Lind, Maria Benedicte; Rice, Harrie Emily; Andersen, Lærke Maria; Elfort, Amanda Josefine; Pedersen, Sophie Espe; Sahibzada, Qamar Un Nisa

    2016-01-01

    The purpose of this project is to examine the campaign Øhhkonomi from Danske Bank. The project is based on examining which assumptions the campaign, and further actions surrounding the campaign, expresses about the audience. The campaign audience is specifically 18-27 years old and addresses problems regarding their personal finance skills and understanding thereof. Starting from a communication point of view, the project examines the campaign and the sender in itself. The purpose hereof is t...

  10. GenBank.

    OpenAIRE

    Benson, D; Lipman, D J; Ostell, J

    1993-01-01

    The GenBank sequence database has undergone an expansion in data coverage, annotation content and the development of new services for the scientific community. In addition to nucleotide sequences, data from the major protein sequence and structural databases, and from U.S. and European patents is now included in an integrated system. MEDLINE abstracts from published articles describing the sequences provide an important new source of biological annotation for sequence entries. In addition to ...

  11. MULTIPERIOD BANKING SUPERVISION

    OpenAIRE

    KARL-THEODOR EISELE; PHILIPPE ARTZNER

    2013-01-01

    This paper is based on a general method for multiperiod prudential supervision of companies submitted to hedgeable and non-hedgeable risks. Having treated the case of insurance in an earlier paper, we now consider a quantitative approach to supervision of commercial banks. The various elements under supervision are the bank’s current amount of tradeable assets, the deposit amount, and four flow processes: future trading risk exposures, deposit flows, flows of loan repayments and of deposit re...

  12. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, George; Meiklejohn, Sarah

    2015-01-01

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

  13. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, G.; Meiklejohn, S.

    2016-01-01

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

  14. 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. © 2017 S. Karger AG, Basel.

  15. 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.

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

    OpenAIRE

    Prawitasari, Larasati; Hudrasyah, Herry

    2012-01-01

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

  17. Gambling and problem gambling in The Netherlands

    NARCIS (Netherlands)

    Goudriaan, Anna E.

    2014-01-01

    To provide an overview of gambling in the Netherlands, focusing on historical background, policy, legislation, prevalence of problem gambling, availability of treatment options and research base. Literature review. Contradictions between gambling policy and practice have been present in the past

  18. Opteren voor de Netherlands Commercial Court

    NARCIS (Netherlands)

    Hoeben, J.; Keirse, A.L.M.; Reijneveld, M.D.

    Internationale contracten leiden tot internationale handelsgeschillen. Deze kunnen onder meer worden beslecht bij een commercial court. In Nederland wordt momenteel een Netherlands Commercial Court (NCC) opgericht. Dit introduceert een keuze voor (contracts)partijen voor een nieuw forum voor

  19. Clinical immunology - Autoimmunity in the Netherlands

    NARCIS (Netherlands)

    Tervaert, Jan Willem Cohen; Kallenberg, Cees G. M.

    2014-01-01

    Clinical immunology is in the Netherlands a separate clinical specialty within internal medicine and pediatrics. Clinical immunologists work closely together with nephrologists, rheumatologists and many other medical specialists. Apart from research and teaching, clinical immunologists are taking

  20. Space research in the Netherlands 1980

    International Nuclear Information System (INIS)

    1981-01-01

    In 1960, the Royal Netherlands Academy of Arts and Sciences established a committee with the task of coordinating space research in the Netherlands and maintaining the necessary international contacts. This committe, usually called GROC, has instituted four working groups, in which most of the Netherlands space research is concentrated. These groups are: Working Group for Solar and Stellar Space Research, Working Group for Cosmic Rays, Working Group for Photometry and the Working Group for Satellite Geodesy. General information on space research in the Netherlands Anno 1980 is given. Detailed data about the working groups, their work during 1980 and their programmes are presented, together with a survey of their scientific publications. A financial summary is also included. (Auth.)

  1. RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

    Directory of Open Access Journals (Sweden)

    Aji Damanuri

    2016-02-01

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

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

    Directory of Open Access Journals (Sweden)

    Hedieh Mashoof

    2014-08-01

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

  3. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    Chian-Son Yu

    2014-06-01

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

  4. BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

    Directory of Open Access Journals (Sweden)

    Dumitru-Cristian OANEA

    2014-04-01

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

  5. Global Banking System Regulatory Environment

    Directory of Open Access Journals (Sweden)

    Oleh Mozhovyi

    2017-03-01

    Full Text Available The international and domestic experience shows that the main factors of financial destabilization during the financial crises are in the banking sector. The article reveals that the vulnerability of the financial system is connected with functions, deposit and credit transactions, risks distribution and ensuring liquidity; banks act as a major factor in stabilisation measures in the current context of globalization processes, since the economic stability of banking activities relates directly to all the entities and only stable banking system can withstand the crisis phenomena. Therefore, as a result of the analysis, it is proved that not only reduction of risks of banks is needed, but also introduction of the effective supervision system over implementation of the requirements and standards to prevent these risks. According to modern international approaches, banks use the so-called prudential supervision, which is based on the risk management assessment policy on the part of the Bank’s management, and regulatory bodies contribute to implementation of such policy. The authors have concluded that not only modern specificity of banks, but also the impact of supervision systems and regulation of modern trends in development of the banking should be analysed. Application of the general regulatory principles and banking risks methodology is required. The task of supervision is distribution of reliable risk management practices in the banking system, taking into account national peculiarities of development.

  6. Improving Soil Seed Bank Management.

    Science.gov (United States)

    Haring, Steven C; Flessner, Michael L

    2018-05-08

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

  7. 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.

  8. Banking towards development: Evidence from the Spanish banking expansion plan

    OpenAIRE

    Pere Arqué-Castells; Elisabet Viladecans-Marsal

    2013-01-01

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

  9. BLC Bank - Lebanon : Leading in Banking on Women

    OpenAIRE

    International Finance Corporation

    2016-01-01

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

  10. THE GROWTH OF ISLAMIC BANKING IN INDONESIA

    OpenAIRE

    Fika Fitriasari

    2012-01-01

    This article describes the growth of Islamic banking industry in Indonesia. Islamic banking to perform progressive and strong performance from the banking indicators. Bank Indonesia estimates that the Islamic banking industry will achieve a growth higher than the national banking system in general. In the development of Islamic banking there are still some challenges to be solved especially for a small market share, lack of human resources, and the lack of product developmen...

  11. PREFERENSI MASYARAKAT KOTA MEDAN TERHADAP BANK SYARIAH

    OpenAIRE

    Azuar Juliandi, Dewi Andriani,

    2016-01-01

    Sharia bank now has popularity among the people of Indonesia. Sharia bankbased on present Islamic economic principles. Sharia Bank has a big role increaseworld banking in Indonesia. Attentive Indonesia society majority is Moslem, soSharia Banking in the future has good prospect with increase knowledge aboutawareness to use banking produc and information with experience society aboutbenefit sharia banking. This study aimed to know knowledge and attitude society forsharia banking and to know kn...

  12. E-Banking: Risk Management Practices of the Estonian Banks

    OpenAIRE

    Dmitri Sokolov

    2007-01-01

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

  13. Pengaruh Pengumuman Likuidasi Bank Terhadap Minat Menarik Uang Dari Bank

    OpenAIRE

    Haribowo, Ignatius Novianto

    2017-01-01

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

  14. S-wave velocities of the lithosphere-asthenosphere system in the Lesser Antilles from the joint inversion of surface wave dispersion and receiver function analysis

    Science.gov (United States)

    González, O'Leary; Clouard, Valerie; Tait, Stephen; Panza, Giuliano F.

    2018-06-01

    We present an overview of S-wave velocities (Vs) within the crust and upper mantle of the Lesser Antilles as determined with 19 seismic broadband stations. Receiver functions (RF) have been computed from teleseismic recordings of earthquakes, and Rayleigh wave group velocity dispersion relations have been taken from earlier surface wave tomographic studies in the Caribbean area. Local smoothness optimization (LSO) procedure has been applied, combined with an H-K stacking method, the spatial distribution of hypocenters of local earthquakes and of the energy they released, in order to identify an optimum 1D model of Vs below each station. Several features of the Caribbean plate and its interaction with the Atlantic subducting slab are visible in the resulting models: (a) relatively thick oceanic crust below these stations ranges from 21 km to 33 km, being slight thinner in the middle of the island arc; (b) crustal low velocity zones are present below stations SABA, SEUS, SKI, SMRT, CBE, DSD, GCMP and TDBA; (c) lithospheric thickness range from 40 km to 105 km but lithosphere-asthenosphere boundary was not straightforward to correlate between stations; (d) the aseismic mantle wedge between the Caribbean seismic lithosphere and the subducted slab varies in thickness as well as Vs values which are, in general, lower below the West of Martinique than below the West of Guadeloupe; (e) the depth of the subducted slab beneath the volcanic arc, appears to be greater to the North, and relatively shallower below some stations (e.g. DLPL, SAM, BIM and FDF) than was estimated in previous studies based on the depth-distribution of seismicity; f) the WBZ is >10-15 km deeper than the top of the slab below the Central Lesser Antilles (Martinique and Dominica) where the presence of partial melt in the mantle wedge seems also to be more evident.

  15. Information technology for brain banking.

    Science.gov (United States)

    Schmitz, Peer

    2018-01-01

    Implementing and maintaining the information technology (IT) infrastructure of a brain bank can be a daunting task for any brain bank coordinator, particularly when access to both funds and IT professionals is limited. Many questions arise when attempting to determine which IT products are most suitable for a brain bank. The requirements of each brain bank must be assessed carefully to ensure that the chosen IT infrastructure will be able to meet those requirements successfully and will be able to expand and adapt as the size of the brain bank increases. This chapter provides some valuable insights to be considered when implementing the IT infrastructure for a brain bank and discusses the pros and cons of various approaches and products. Copyright © 2018 Elsevier B.V. All rights reserved.

  16. 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....

  17. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    Science.gov (United States)

    2010-01-01

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

  18. 78 FR 37541 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-21

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

  19. 78 FR 300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-03

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

  20. 77 FR 60996 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-05

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

  1. 75 FR 31788 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-04

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

  2. 77 FR 50689 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-08-22

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

  3. 78 FR 43883 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-22

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

  4. 78 FR 38978 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-28

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

  5. 77 FR 54917 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-06

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

  6. 78 FR 35271 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-12

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

  7. 78 FR 49268 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-13

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

  8. 77 FR 68121 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-15

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

  9. 78 FR 13877 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-03-01

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

  10. 77 FR 58141 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-19

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

  11. 78 FR 61352 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-03

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

  12. 77 FR 4323 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-27

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

  13. 77 FR 66463 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-05

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

  14. 78 FR 41929 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-12

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

  15. 77 FR 37406 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-21

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

  16. 78 FR 51726 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-21

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

  17. 77 FR 31612 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-29

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

  18. 77 FR 9250 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-02-16

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

  19. 78 FR 62301 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-15

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

  20. 78 FR 25084 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-29

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

  1. 78 FR 76834 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-19

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

  2. 77 FR 60702 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-04

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

  3. 77 FR 16839 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-22

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

  4. 78 FR 53457 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-29

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

  5. 78 FR 45535 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-29

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

  6. 77 FR 73031 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-07

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

  7. 77 FR 2293 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-17

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

  8. 77 FR 64801 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-23

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

  9. 77 FR 34385 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-11

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

  10. 77 FR 58379 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-20

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

  11. 77 FR 33459 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-06

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

  12. 77 FR 43824 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-26

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

  13. 78 FR 39729 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-02

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

  14. 78 FR 24747 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-26

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

  15. 77 FR 72864 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-06

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

  16. 78 FR 97 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-02

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

  17. 78 FR 27389 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-05-10

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

  18. 77 FR 63314 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-16

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

  19. 77 FR 19665 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-04-02

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

  20. 78 FR 76305 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-17

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

  1. 78 FR 49753 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-15

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

  2. 78 FR 3425 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-16

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

  3. 77 FR 27458 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-10

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

  4. 77 FR 39244 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-02

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

  5. 78 FR 3897 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-17

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

  6. Energy Report Netherlands 1999 (EVN)

    International Nuclear Information System (INIS)

    Nahuis, R.

    1999-01-01

    An overview of developments and events in the Netherlands in 1999 in the field of energy is presented. This edition comprises four parts. In the first part (Chronicle) a chronological overview is given of events in 1999 regarding governmental and energy policy, developments in the sectors natural gas and petroleum exploration, refineries and petroleum products, electric power production and the natural gas industry, the energy distribution sector, renewable energy and energy conservation, and technological developments and research. In part 2 (Focus) three items, which have been in particular important for the energy sector or for the Dutch society, are discussed in more detail. Attention is paid to sustainable industry parks, the production of energy from waste and biomass, and the Implementation Paper for Climate Policy. Part 3 (View) is of a contemplative nature. The subject concerns the options to reduce emission in foreign countries in relation with opportunities in developing countries for economic development. The final part (4, Trends) is based on statistical data and presents trends with regard to energy prices, energy demand, energy supply, energy-related emissions, and the market development of energy technologies and energy efficient products. 36 refs

  7. Emissions trading in the Netherlands

    International Nuclear Information System (INIS)

    Zapfel, P.

    2002-01-01

    In the article 'Emissions trading in the Netherlands. The optimal route towards an international scheme?' (issue 1, 2002) Mulder asks the question to what extent a Dutch national CO2 trading scheme is a worthwhile effort toward an international trading scheme (i.e. is it a first step toward a European-wide emissions trading scheme) when presenting the proposal of the Dutch Commission on CO2 trade and related economic analysis. His conclusion, underlined by modeling results, is that a national scheme along the lines proposed by the Dutch Commission is an expensive policy instrument due to the high transaction costs. The first-best option according to Mulder is to impose CO2-emissions trading with an absolute ceiling on an international level. In the meantime, he states, improving the design of the energy tax system may be an efficient alternative. In this comment I would like to address two issues. First, does the approach proposed by the Dutch Commission make sense from a European perspective towards an EU-wide cap and trade allowance scheme as proposed by the European Commission in October 2001? and Second, what might this Dutch model and philosophy, scaled up to the EU level, look like?

  8. Renewable electricity in the Netherlands

    International Nuclear Information System (INIS)

    Junginger, M.; Agterbosch, S.; Faaij, A.; Turkenburg, W.

    2004-01-01

    The Dutch policy goal is to achieve a share of 17% renewable electricity in the domestic demand in 2020, corresponding to 18-24 TWh. It is uncertain whether and under which conditions this aim can be achieved. This paper aims to explore the feasible deployment of renewable electricity production in the Netherlands until 2020 by evaluating different images representing policies and societal preferences. Simultaneously, the most promising technologies for different settings are investigated and identified. First Dutch policy goals, governmental policy measures and definitions of renewable electricity are discussed. Second, a comparison is made of four existing studies that analyze the possible developments of renewable electricity production in the coming decades. Finally, three images are set up with emphasis on the different key factors that influence the maximum realizable potential. Results indicate onshore wind, offshore wind and large-scale biomass plants as most promising, robust options in terms of economical performance, ecological sustainability and high technical implementation rate. In the image with high implementation rates, an annual production of 42 TWh may be achieved in 2020, while under stringent economical or ecological criteria, about 25 TWh may be reached. When only the robust options are considered, 9-22 TWh can be realized. The analysis illustrates the importance of taking the different key factors mentioned influencing implementation into account. Doing so allows for identification of robust and less robust technological options under different conditions

  9. Asymmetric information and bank runs

    OpenAIRE

    Gu, Chao

    2007-01-01

    It is known that sunspots can trigger panic-based bank runs and that the optimal banking contract can tolerate panic-based runs. The existing literature assumes that these sunspots are based on a publicly observed extrinsic randomizing device. In this paper, I extend the analysis of panic-based runs to include an asymmetric-information, extrinsic randomizing device. Depositors observe different, but correlated, signals on the stability of the bank. I find that if the signals that depositors o...

  10. 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...

  11. Bank performance and corporate culture

    OpenAIRE

    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’ expectation on merger gains. The second chapter analyses the link between high expectations for future economic success and bank performance. The third chapter focuses on corporate culture and it s...

  12. Bank Share Prices and Profitability

    OpenAIRE

    Daniel Daugaard; Tom Valentine

    1993-01-01

    This paper considers the influence of economic conditions and financial markets on Australian bank share prices and profitability. It uses time series analysis to obtain an indication of the effectiveness of banks in managing their exposure to interest rates and exchange rates. The results give rise to some comments on the extent to which banks actively manage their exposure to financial and economic variables. The discussion of risk management activities necessarily raises the question of ho...

  13. Sources of Regional Banks Capitalization

    Directory of Open Access Journals (Sweden)

    Olga Sergeevna Miroshnichenko

    2018-03-01

    Full Text Available Searching of sources to increase the capitalization of Russian banks is an important economic problem for both the national and regional economy. Moreover, a strong capital base allows to credit institutions to meet the demands of economic agents for banking service. The research focuses on the choice of sources of regulatory capital for the banks of Tyumen region in the context of changing supervisory requirements in the period of 2005–2016, in different phases of the business cycle. We apply econometric methods of statistical information using IBM SPSS Statistics software. We have calculated the individual correlations of regional banks’ capital with gross domestic product (GDP (excluding gross regional product (GRP and GRP (with the exception of the effect of GDP. These calculations have shown that the capital of regional banks is related only to GDP. The increase in the capital of regional banks is accompanied by a change in its structure: the share of authorized capital has halved, and the share of subordinated debt has grown. All sources of capital, other than the reserve fund, are related to GDP. Authorized capital is associated with the profit of profitable lending institutions; retained earnings in the capital of regional banks — with the aggregated amount of risks of the banking system of the Russian Federation. Subordinated debt, like capital as a whole, is negatively affected by the profitability of the banking sector. The change in the capital of regional banks is determined by the change in retained earnings, subordinated debt and reserve fund. Modelling of these relations has allowed to obtain a system of equations. This system synthesizes linear regression models of changing the capital of regional banks in the context of their sourcing. The results of this study are significant for theoretical justification and practical development of a balanced financial policy of regional banks. Our research will contribute to

  14. Big Data and central banks

    OpenAIRE

    David Bholat

    2015-01-01

    This commentary recaps a Centre for Central Banking Studies event held at the Bank of England on 2–3 July 2014. The article covers three main points. First, it situates the Centre for Central Banking Studies event within the context of the Bank’s Strategic Plan and initiatives. Second, it summarises and reflects on major themes from the event. Third, the article links central banks’ emerging interest in Big Data approaches with their broader uptake by other economic agents.

  15. BEATING BANKS THROUGH KNOWLEDGE

    Directory of Open Access Journals (Sweden)

    Monica CALU

    2017-05-01

    Full Text Available In Romania, in the last decade, a significant number of solutions favorable to consumers with foreign currency denominated loans were obtained in courts against the banks or non-bank financial institutions. The judges noted the unfairness of the contractual terms inserted in the loans agreement and absolute nullity of these clauses. Also, in the context of the global economic and financial crisis triggered by the collapse of the banking system with the consequence of depreciation and/or sudden and high fluctuation of domestic currencies against the “safe-heaven currencies”, the theory of unpredictability becomes a particularly important institution. This paper deals with the concepts of „abusive clauses”, „unfair commercial practices” and „providing untruthful information to consumers to influence their choices”. It is also presenting a view of good faith and equity on the performance of contract and the “distribution of the risk” of the contract in the conditions of applying to the “unpredictability theory” in the context of terms of law doctrine and the relevant case law. The objective of this study is to demonstrate that by applying the theory of unpredictability to the occurrence of currency risk associated with loans in foreign currency and by subjecting to examination by court to the clauses whereby the consumer must assume the risk given by the changing of the circumstances of the execution of the contract can be obtain by the consumer or a rebalancing of the understanding of the parties or the cancellation clause which significantly unbalanced the consumer's obligation to bear any risk.

  16. 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 sort...... of taxpayer assistance. A holding company structure in which the public parent holds unsecured term debt sufficient to cover losses at an operating financial subsidiary would facilitate a “Single Point of Entry” resolution procedure that would minimize knock-on effects from the failure of a systemically...

  17. 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 sort...... of taxpayer assistance. A holding company structure in which the public parent holds unsecured term debt sufficient to cover losses at an operating financial subsidiary would facilitate a “Single Point of Entry” resolution procedure that would minimize knock-on effects from the failure of a systemically...

  18. 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...

  19. Tissue bank: Sri Lanka

    International Nuclear Information System (INIS)

    2003-01-01

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

  20. Image data bank

    International Nuclear Information System (INIS)

    Bacigalupo, J.; Guillen, G.; Gerez, J.

    1998-01-01

    A project intending to demonstrate the factibility of an image data bank using the commonly available technology was designed.Images obtained in a digital way were classified and stored in an informatics network.An electronic archive focusing the critical care aspects and suitable for clinical use was created.Utilizing the resources of our own and with no high cost in money.Updating a digital medical imagery system is possible with local resources.Modernization in information management is possible in the intensive Care Medicine areas

  1. 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.

  2. Banking Integration in European Context

    Directory of Open Access Journals (Sweden)

    Roxana Bădîrcea

    2016-05-01

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

  3. Online Banking Customers: Insights from Germany

    OpenAIRE

    Sven Christian Berger; Sonja Gensler

    2007-01-01

    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.

  4. Should the 'Outs' Join the Banking Union?

    NARCIS (Netherlands)

    P. Hüttl (Pia); D. Schoenmaker (Dirk)

    2016-01-01

    textabstractThe Single Market stimulates cross-border banking throughout the European Union. This paper documents the banking linkages between the 9 ‘outs’ and 19 ‘ins’ of the Banking Union. We find that some of the major banks, based in Sweden and Denmark, have substantial banking claims across the

  5. 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...

  6. Recent trends in cross-border banking

    NARCIS (Netherlands)

    De Haas, Ralph; van Horen, Neeltje; Beck, Thorsten; Casu, Barbara

    2017-01-01

    This chapter identifies a number of recent trends in European cross-border banking. The authors first distinguish between two main modes of international banking: cross-border versus multinational banking. Cross-border banking occurs when a bank in country A lends directly to a borrower in country

  7. 40 CFR 91.205 - Banking.

    Science.gov (United States)

    2010-07-01

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

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

    Science.gov (United States)

    Shurtz, Mary Ann; LeFlore, Ann Becker

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

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

    African Journals Online (AJOL)

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

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

    OpenAIRE

    Angel, Christania Graciella; Pusung, Rudy

    2014-01-01

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

  11. 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...

  12. 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.

  13. Electricity from biomass in the Netherlands

    International Nuclear Information System (INIS)

    Van Beuge, M.J.J.; Sillevis Smit, E.T.

    2004-01-01

    In the past decade, the international community has ta-ken various measures towards achieving a more sustainable energy supply and a reduction of greenhouse gas emissions, among which the conclusion of the Kyoto protocol. Both the European Union and The Netherlands regard the large scale use of biomass for the production of electricity as an important instrument towards achieving the aforementioned policy goals. In this regard the European Union introduced the Renewables Directive, the implementation of which in The Netherlands has recently been completed. In connection with the above, The Netherlands' Minister for Economic Affairs recently published the Biomass Action Plan, aimed at increasing - in the short term - energy production, in particular electricity production, from biomass. This article provides insight into the outlines of the legal framework that is relevant for the production of electricity from biomass in The Netherlands. Following a brief introduction to the relationship between bio energy and biomass, as well as a short introduction to the most important ways in which biomass contributes to the production of electricity in The Netherlands, the article sketches the contours of the European and Dutch policies and related legislation regarding the production of electricity from biomass. In particular, this article describes the Dutch legislation aimed at subsidising and thus promoting the production of electricity from biomass, as well as the requirements with which electricity production installations making use of biomass must comply for an environmental and/or waste perspective [nl

  14. 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.

  15. Bank capital management : International evidence

    NARCIS (Netherlands)

    De Jonghe, O.G.; Öztekin, Ö.

    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

  16. Regulating and Combating Underground Banking

    NARCIS (Netherlands)

    Borgers, M.J.

    2009-01-01

    In combating and regulating underground banking, a choice can be made of roughly two models, the risk model and the assimilation model. The risk model comes down to a complete prohibition of underground banking combined with an active investigation and prosecution policy. In the assimilation model,

  17. Size, productivity, and international banking

    NARCIS (Netherlands)

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

    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

  18. 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.K.; 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

  19. Banking competition, risk and regulation

    NARCIS (Netherlands)

    Bolt, Wilko; Tieman, Alexander F.

    2004-01-01

    In a dynamic framework, commercial banks compete for customers by setting acceptance criteria for granting loans, while taking into account regulatory requirements. By easing its acceptance criteria a bank faces a trade-off between attracting more demand for loans, thus making higher per-period

  20. Bank performance and corporate culture

    NARCIS (Netherlands)

    Stentella Lopes, F.S.

    2015-01-01

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