Thacker, R.W.; Díaz, M.C.; de Voogd, N.J.; van Soest, R.W.M.; Freeman, C.J.; Mobley, A.S.; LaPietra, J.; Cope, K.; McKenna, S.
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
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.
Thacker, Robert W; Díaz, M Cristina; de Voogd, Nicole J; van Soest, Rob W M; Freeman, Christopher J; Mobley, Andrew S; LaPietra, Jessica; Cope, Kevin; McKenna, Sheila
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. 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. 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.
Toller, W.; Debrot, A.O.; Vermeij, M.J.A.; Hoetjes, P.C.
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
Toller, W.; Debrot, A.O.; Vermeij, M.; Hoetjes, P.C.
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
Jeffrey T Williams
Full Text Available Biodiversity surveys were conducted on Saba Bank, Netherlands Antilles, to assess ichthyofaunal richness and to compare with published surveys of other Caribbean localities. The primary objective was to estimate the total species richness of the Saba Bank ichthyofauna. A variety of sampling techniques was utilized to survey the fish species of both the visually accessible megafauna and the camouflaged and small-sized species comprising the cryptic ichthyofauna.Based on results presented herein, the number of species known on Saba Bank is increased from 42 previously known species to 270 species. Expected species-accumulation curves demonstrate that the current estimate of species richness of fishes for Saba Bank under represents the actual richness, and our knowledge of the ichthyofauna has not plateaued. The total expected fish-species richness may be somewhere between 320 and 411 species.The Saba Bank ichthyofaunal assemblage is compared to fish assemblages found elsewhere in the Caribbean. Despite the absence of shallow or emergent shore habitats like mangroves, Saba Bank ranks as having the eighth highest ichthyofaunal richness of surveyed localities in the Greater Caribbean. Some degree of habitat heterogeneity was evident. Fore-reef, patch-reef, and lagoonal habitats were sampled. Fish assemblages were significantly different between habitats. Species richness was highest on the fore reef, but 11 species were found only at lagoonal sites.A comprehensive, annotated list of the fishes currently known to occur on Saba Bank, Netherland Antilles, is provided and color photographs of freshly collected specimens are presented for 165 of the listed species of Saba Bank fishes to facilitate identification and taxonomic comparison with similar taxa at other localities. Coloration of some species is shown for the first time. Preliminary analysis indicates that at least six undescribed new species were collected during the survey and these are
Mark M Littler
Full Text Available BACKGROUND: Located in the Dutch Windward Islands, Saba Bank is a flat-topped seamount (20-45 m deep in the shallower regions. The primary goals of the survey were to improve knowledge of biodiversity for one of the world's most significant, but little-known, seamounts and to increase basic data and analyses to promote the development of an improved management plan. METHODOLOGY/PRINCIPAL FINDINGS: Our team of three divers used scuba to collect algal samples to depths of 50 m at 17 dive sites. Over 360 macrophyte specimens (12 putative new species were collected, more than 1,000 photographs were taken in truly exceptional habitats, and three astonishing new seaweed community types were discovered. These included: (1 "Field of Greens" (N 17 degrees 30.620', W 63 degrees 27.707' dominated by green seaweeds as well as some filamentous reds, (2 "Brown Town" (N 17 degrees 28.027', W 63 degrees 14.944' dominated by large brown algae, and (3 "Seaweed City" (N 17 degrees 26.485', W 63 degrees 16.850' with a diversity of spectacular fleshy red algae. CONCLUSIONS/SIGNIFICANCE: Dives to 30 m in the more two-dimensional interior habitats revealed particularly robust specimens of algae typical of shallower seagrass beds, but here in the total absence of any seagrasses (seagrasses generally do not grow below 20 m. Our preliminary estimate of the number of total seaweed species on Saba Bank ranges from a minimum of 150 to 200. Few filamentous and thin sheet forms indicative of stressed or physically disturbed environments were observed. A more precise number still awaits further microscopic and molecular examinations in the laboratory. The expedition, while intensive, has only scratched the surface of this unique submerged seamount/atoll.
Peter J Etnoyer
Full Text Available Saba Bank is a large submerged platform (approximately 2200 km(2, average depth 30 m, located 4 km southwest of Saba Island in Netherlands Antilles, Caribbean Sea. Ships traveling to and from oil terminals on nearby St. Eustatius routinely anchor on the Bank, damaging benthic megafauna. Gorgonian octocorals are vulnerable to anchor damage, and they are common and conspicuous in shallow water (15-50 m around the banks. This prompted a rapid assessment of octocoral habitat and diversity. The primary objectives were to estimate total species richness and to characterize habitats vis a vis gorgonians. Landsat imagery and multibeam bathymetry were employed to identify random sites for quantitative transects. A Seabotix LBV200L remotely operated vehicle (ROV and SCUBA were used to collect and survey to 130 m. A total of 14 scuba dives and 3 ROV dives were completed in 10 days. During that time, 48 octocoral species were collected, including two likely undescribed species in the genera Pterogorgia and Lytreia. Gorgonian richness was exceptional, but not all species were collected, because the species accumulation curve remained steeply inclined after all surveys. Two shallow-water gorgonian habitat types were identified using multidimensional scaling and hierarchical cluster analyses: 1 a high diversity, high density fore-reef environment characterized by Eunicea spp., Gorgonia spp., and Pseudopterogorgia spp. and 2 a low diversity, low density plateau environment characterized by Pseudopterogorgia acerosa, Pterogorgia guadalupensis, and Gorgonia mariae. The analyses support hypotheses of broad (approximately 15 km habitat homogeneity (ANOSIM, P>0.05, but a significant difference between fore-reef and plateau environments (ANOSIM, P<0.05. However, there was some indication of habitat heterogeneity along the 15 km study section of the 50 km platform edge along the southeast rim. Our results highlight the complexity and biodiversity of the Saba Bank, and
Sheila A McKenna
Full Text Available The benthic habitats of Saba Bank (17 degrees 25'N, 63 degrees 30'W are at risk from maritime traffic, especially oil tankers (e.g., anchoring. To mitigate this risk, information is needed on the biodiversity and location of habitats to develop a zone use plan. A rapid survey to document the biodiversity of macro-algae, sponges, corals and fishes was conducted. Here we report on the richness and condition of stony coral species at 18 select sites, and we test for the effects of bottom type, depth, and distance from platform edge. Species richness was visually assessed by roving scuba diver with voucher specimens of each species collected. Coral tissue was examined for bleaching and diseases. Thirty-three coral species were documented. There were no significant differences in coral composition among bottom types or depth classes (ANOSIM, P>0.05. There was a significant difference between sites (ANOSIM, P<0.05 near and far from the platform edge. The number of coral species observed ranged from zero and one in algal dominated habitats to 23 at a reef habitat on the southern edge of the Bank. Five reef sites had stands of Acropora cervicornis, a critically endangered species on the IUCN redlist. Bleaching was evident at 82% of the sites assessed with 43 colonies bleached. Only three coral colonies were observed to have disease. Combining our findings with that of other studies, a total of 43 species have been documented from Saba Bank. The coral assemblage on the bank is representative and typical of those found elsewhere in the Caribbean. Although our findings will help develop effective protection, more information is needed on Saba Bank to create a comprehensive zone use plan. Nevertheless, immediate action is warranted to protect the diverse coral reef habitats documented here, especially those containing A. cervicornis.
van Hoeken, Daphne; Veling, Wim; Smink, Frederique R. E.; Hoek, Hans W.
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:
Kuyp, van der Edwin
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
International Planned Parenthood Federation, London (England).
Data relating to population and family planning in four foreign countries are presented in these situation reports. Countries included are Bahamas, Guatemala, Netherlands Antilles (Curacao), and Uruguay. Information is provided under two topics, general background and family planning situation, where appropriate and if it is available. General…
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.
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
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.
Cobben, R.H.; Wygodzinsky, P.
A survey is given of the assassin bugs (Reduviidae) collected on the six Netherlands Antilles. All together 22 species were sampled: 6 Emesinae, 1 Saicinae, 8 Harpactorinae, 1 Piratinae, 4 Stenopodinae, 1 Triatominae and 1 Phymatinae. Sixteen species were captured on the three islands of the Leeward
Duim, B.; Godschalk, P.C.R.; Braak, van der N.; Dingle, K.E.; Dijkstra, J.R.; Leyde, E.; Plas, van der J.; Colles, F.M.; Endtz, H.P.; Wagenaar, J.A.; Maiden, M.C.J.; Belkum, van A.
Campylobacter jejuni isolates (n = 234) associated with gastroenteritis and the Guillain-Barré syndrome (GBS) in the island of Curaçao, Netherlands Antilles, and collected from March 1999 to March 2000 were investigated by a range of molecular typing techniques. Data obtained by pulsed-field gel
Duim, B.; Godschalk, P.C.R.; Braak, N. van den; Dingle, K.E.; Dijkstra, J.R.; Leyde, E.; Plas, J. van der; Colles, F.M.; Endtz, H.P.; Wagenaar, J.A.; Maiden, M.C.J.; Belkum, A. van
Campylobacter jejuni isolates (n = 234) associated with gastroenteritis and the Guillain-Barré syndrome (GBS) in the island of Curaçao, Netherlands Antilles, and collected from March 1999 to March 2000 were investigated by a range of molecular typing techniques. Data obtained by pulsed-field gel
Engel, Max; Brückner, Helmut; Messenzehl, Karoline; Frenzel, Peter; May, Simon Matthias; Scheffers, Anja; Scheffers, Sander; Wennrich, Volker; Kelletat, Dieter
Supralittoral coarse-clast deposits along the shores of Bonaire (Netherlands Antilles) as well as increased hurricane frequency during the past decade testify to the major hazard of high-energy wave impacts in the southern Caribbean. Since deducing certain events from the subaerial coarse-clast record involves major uncertainties and historical reports are restricted to the past 500 years, we use a new set of vibracore and push core data (i) to contribute to a more reliable Holocene history of regional extreme-wave events and (ii) to evaluate their impact on shoreline evolution. Multi-proxy palaeoenvironmental analyses (XRF, XRD, grain size distribution, carbonate, LOI, microfossils) were carried out using nearshore sedimentary archives from the sheltered western (leeward) side of Bonaire and its small neighbour Klein Bonaire. In combination with 14C-AMS age estimates the stratigraphy reflects a long-term coastal evolution controlled by relative sea level rise, longshore sediment transport, and short-term morphodynamic impulses by extreme wave action, all three of which may have significantly influenced the development of polyhaline lagoons and the demise of mangrove populations. Extreme wave events may be categorized into major episodic incidents (c. 3.6 ka [?] BP; 3.2-3.0 ka BP; 2.0-1.8 ka BP; post-1.3 ka [?] BP), which may correspond to tsunamis and periodic events recurring on the order of decades to centuries, which we interpret as severe tropical cyclones. Extreme wave events seem to control to a certain extent the formation of coastal ridges on Bonaire and, thus, to cause abrupt shifts in the long-term morphodynamic and ecological boundary conditions of the circumlittoral inland bays.
Watt, Steven G.; Jaffe, Bruce E.; Morton, Robert A.; Richmond, Bruce M.; Gelfencaum, Guy
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.
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)
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...
Rademaker, Marleen C; de Lange, Geertje M; Palmen, Saskia J M C
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.
... necessary, to select regulatory approaches that maximize net benefits (including potential economic... ``designated country'' due to the change in the political status of the islands that comprised the Netherlands...). According to the initiative, successor political entities remain eligible as beneficiary countries...
Bos, Annelies M E; Klapwijk, Petra; Fauser, Bart C J M
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.
Horst, van der H.M.; Pascucci, S.; Bol, W.
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
Kocken, P. L.; van Dorst, A. G.; Schaalma, H.
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…
Kocken, P.L.; Dorst, A.G. van; Schaalma, H.
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
Vitali, Laurence; Freiche, Jeanine; Matthews, Alison; Warmerdam, John
The impact of new technologies on occupational profiles in the banking sector was examined through case studies in four European countries: Luxembourg, the Netherlands, the United Kingdom, and France. In each country, three types of banking institutions were studied: merchant (Eurobank); "counter" (universal) bank; and telebank (bank…
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
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
Evert Pommer; Rob Bijl .
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
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.
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
Kuyp, van der Edwin
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
Cyprinodon dearborni, Poecilia sphenops and Rivulus marmoratus seem to fill almost the same niche. In most of the landlocked bays, lagoons or pools the three species were not found together. In only two landlocked locations two of the species were found together. In the locations with an open
Laurencin, M.; Marcaillou, B.; Graindorge, D.; Klingelhoefer, F.; Lallemand, S.; Laigle, M.; Lebrun, J.-F.
The influence of the highly oblique plate convergence at the northern Lesser Antilles onto the margin strain partitioning and deformation pattern, although frequently invoked, has never been clearly imaged. The Anegada Passage is a set of basins and deep valleys, regularly related to the southern boundary of the Puerto Rico-Virgin Islands (PRVI) microplate. Despite the publications of various tectonic models mostly based on bathymetric data, the tectonic origin and deformation of this Passage remains unconstrained in the absence of deep structure imaging. During cruises Antithesis 1 and 3 (2013-2016), we recorded the first deep multichannel seismic images and new multibeam data in the northern Lesser Antilles margin segment in order to shed a new light on the structure and tectonic pattern of the Anegada Passage. We image the northeastern extent of the Anegada Passage, from the Sombrero Basin to the Lesser Antilles margin front. Our results reveal that this northeastern segment is an EW trending left-stepping en échelon strike-slip system that consists of the Sombrero and Malliwana pull-apart basins, the Malliwana and Anguilla left-lateral faults, and the NE-SW compressional restraining bend at the Malliwana Hill. Reviewing the structure of the Anegada Passage, from the south of Puerto Rico to the Lesser Antilles margin front, reveals a polyphased tectonic history. The Anegada Passage is formed by a NW-SE extension, possibly related to the rotation or escape of PRVI block due to collision of the Bahamas Bank. Currently, it is deformed by an active WNW-ESE strike-slip deformation associated to the shear component of the strain partitioning resulting from the subduction obliquity.
Schlaphorst, D.; Kendall, J.; Bastow, I. D.; Baptie, B.
Due to an overall eastwards drift of the Caribbean plate of around 2cm/year relative to the Atlantic plate, the type of the subduction along the eastern part of the Caribbean changes. Compared to the simple subduction of the Atlantic plate in the east, the northern plate boundary zone is far more complex, predominantly characterised by a left-lateral east-west strike-slip motion that includes an oblique convergence of the Bahamas carbonate banks and a pull apart basin in the Mona Passage, the sea gate between Hispaniola and Puerto Rico. The island of Hispaniola is decoupled from the Caribbean plate, which leads to a second subduction zone south of Hispaniola where the Caribbean plate subducts beneath the Hispaniola micro plate. Strictly speaking, the arc only extends to the east of the island of Puerto Rico but since most of the northern Caribbean plate boundary zone is directly linked to it the results become more directly comparable. Fed by the Orinoco River the southern part of the Lesser Antilles is a sediment-rich subduction zone, which becomes sediment-poor towards the north as the sediments get blocked by several banks, including the accretionary prism containing the island of Barbados. Here we investigate the crustal and mantle structure variation along the Antilles Arc using measurements of seismic anisotropy and receiver functions. We use data from three component broadband stations that are located from the southern end of the arc to Hispaniola in the north. Seismic anisotropy refers to directional variations in wave speeds and their polarisations. The observation of two independently propagating shear waves (splitting) is the least ambiguous indication of anisotropy. Such observations can be used to constrain mantle flow beneath subduction regions, offering insights into slab dynamics. We generally observed trench parallel orientations around the plate boundary. However, we see significant local deviations in the inferred flow pattern, for example, in
de Bakker, D.M.; Meesters, E.H.W.G.; van Bleijswijk, J.D.L.; Luttikhuizen, P.C.; Breeuwer, H.J.A.J.; Becking, L.E.
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
de Bakker, D.M.; Meesters, E.H.W.G.; van Bleijswijk, J.D.L.; Luttikhuizen, P.C.; Breeuwer, H.J.A.J.; Becking, L.E.
Saba Bank, a submerged atoll in the Caribbean Sea with an area of 2,200 km2, has attainedinternational conservation status due to the rich diversity of species that reside on the bank.In order to assess the role of Saba Bank as a potential reservoir of diversity for the surroundingreefs, we examined
Bakker, de D.M.; Meesters, H.W.G.; Bleijswijk, van J.D.L.; Luttikhuizen, P.; Breeuwer, J.A.J.; Becking, L.E.
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
de Bakker, Didier M.; Meesters, Erik H. W. G.; van Bleijswijk, Judith D. L.; Luttikhuizen, Pieternella C.; Breeuwer, Hans J. A. J.; Becking, Leontine E.
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 fr...
The Lesser Antilles consist of those West Indian islands which extend from the Anegada Passage in the north to Grenada in the south.¹) These islands are nomenclatorially divided into two major groups: 1) The Leeward Islands, including Sombrero, Anguilla, St. Martin, St.-Barthélemy [= St. Barts],
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
de Bakker, Didier M; Meesters, Erik H W G; van Bleijswijk, Judith D L; Luttikhuizen, Pieternella C; Breeuwer, Hans J A J; Becking, Leontine E
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 replenish
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.
Uiters, E.H.; Sixma, H.J.; Devillé, W.; Groenewegen, P.P.; Foets, M.
Background: Aim of our study is to gain insight into similarities and differences in patients’ evaluation of the quality of GP care between ethnic groups, and into factors explaining these differences. Subsequently, possible aspects for quality improvement will be derived.Methods: Health interview surveys in NIVEL’s Dutch National Survey of General Practice-2 (2001). A total of 12 699 indigenous and 1339 migrant clients from Turkey, Morocco, Surinam, and The Netherlands Antilles were intervie...
Sharon A. Cantrell; D. Jean Lodge
A key to 13 species in the genus Hygrocybe subgenus Pseudohygrocybe section Firmae is provided for the Greater Antilles. Seven new species and one species that is a new report for the Greater Antilles are described. The new species are H. brunneosquamosa, H. cinereofirma, H. flavocampanulata, H. luboyi, H. miniatofirma, H. neofirma and H. olivaceofirma. The new report...
Jean-Frederic, L.; DeMin, L.; Garrigou, J.; Münch, P.; Léticée, J. L.; Cornée, J. J.
Oblique subduction of late cretaceous lithosphere of the Atlantic ocean beneath the thick (25km) crust of the Caribbean plate results in widespread deformation and vertical motions in the Lesser Antilles fore-arc. The present-day deformation includes a major transtensive left lateral fault system along the arc and several forearc transverse basins accommodating lengthening of the fore-arc northward. These deformations result from plate motion partitioning under increasing subduction obliquity from the Marie-Galante Basin (MGB) latitude (central Lesser Antilles) northward. Vertical motions in the fore-arc at a regional scale were interpreted as resulting from the effect of subducting ridges and reliefs. The present day uplift of the fore-arc islands acting since the late(?) Pleistocene is believed to attest for long wavelength bending of the plate under strongly coupled plate interface. Recent GPS data suggests a mostly uncoupled plate interface. To decipher between the models and to understand the long-term evolution of the Lesser Antilles forearc since the Late Palaeogene, we interpret high-resolution bathymetric and seismic data from the MGB, together with the onland geology of shallow water carbonate platforms. The tectonic pattern reveals both inherited and late Neogene structures (re)activated under multidirectional extensive tectonic. The sismo-stratigraphic interpretation of sedimentary deposit displays long-term drowning and flexing of the upper plate similar to that occurring under intensive tectonic erosion at the subduction interface. Several short term period of second order uplift can correlate with sweeping of subducting ridges or transient events at the plate interface. The evolution of the Lesser Antilles fore-arc since the Late Palaeogene is interpreted within the regional geodynamical evolution of the plate boundary following its last major reorganization: collision of the Bahamas Bank and inception of the Greater Antilles strike-slip fault zone.
Van Gelder, J.W.; Kouwenhoven, D.
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
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
... assess all costs and benefits of available regulatory alternatives and, if regulation is necessary, to select regulatory approaches that maximize net benefits (including potential economic, environmental..., successor political entities remain eligible as beneficiary countries. On October 10, 2010, Curacao and Sint...
attractant traps to reduce mosquito biting (56). AEDES AEGYPTI Aedes aegypti, known commonly as the yellow fever mosquito, is a vector for several...DENV), yellow fever virus (YFV), West Nile virus (WNV), and tick-borne encephalitis virus (TBEV) among other encephalitic viruses. Most of the...primarily by the urbanized Ae. aegypti and peridomestic Ae. albopictus . Aedes aegypti is the primary vector implicated for dengue transmission and Ae
Stegenga, H.; Vroman, M.
Nine species of benthic marine algae are reported from the Caribbean island of Curaçao for the first time: Chlorophyta: Derbesia marina and Trichosolen longipedicellata; Phaeophyta: Ectocarpus rhodochortonoides, Feldmannia elachistaeformis, Hecatonema floridanum, Herponema tortugense and Sphacelaria
Meer Mohr, van der C.G.
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
H.P. Endtz (Hubert); L. de Haan (Lidewij); R. van Koningsveld (Rinske); Y. Halabi; N.P.W.C.J. van den Braak (Nicole); B.I. Kesztyus; C.W. Ang (Wim); I. Gerstenbluth; E. Leyde; A. Ott (Alewijn); F.G. Rodgers; R.P.A.J. Verkooyen (Roel); D.L. Woodward; A.F. van Belkum (Alex); L.J. Price; H. West; P.C.R. Godschalk (Peggy)
textabstractA steady increase in the incidence of Guillain-Barre syndrome (GBS) with a seasonal preponderance, almost exclusively related to Campylobacter jejuni, and a rise in the incidence of laboratory-confirmed Campylobacter enteritis have been reported from Curacao,
At the windward (NE) side of Curaçao at least two well-developed submarine terraces occur. A first, rocky, terrace, 100 to 150 m wide at depths of 5 m inshore to 12-15 m at the drop off, is densely covered with Sargassum. A second, sandy, terrace, approximately 50 to 100 m wide at depths of 32 to 40
Bak, Rolf P.M.
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
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
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
Laurencin, Muriel; Marcaillou, Boris; Klingelhoefer, Frauke; Graindorge, David; Lebrun, Jean-Frédéric; Laigle, Mireille; Lallemand, Serge
Marine geophysical cruises Antithesis (2013-2016) investigate the impact of the variations in interplate geometry onto margin tectonic deformation along the strongly oblique Lesser Antilles subduction zone. A striking features of this margin is the drastic increase in earthquake number from the quiet Barbuda-St Martin segment to the Virgin Islands platform. Wide-angle seismic data highlight a northward shallowing of the downgoing plate: in a 150 km distance from the deformation front, the slab dipping angle in the convergence direction decreases from 12° offshore of Antigua Island to 7° offshore of Virgin Islands. North-South wide-angle seismic line substantiates a drastic slab-dip change that likely causes this northward shallowing. This dip change is located beneath the southern tip of the Virgin Islands platform where the Anegada Passage entails the upper plate. Based on deep seismic lines and bathymetric data, the Anegada Passage is a 450 km long W-E trending set of pull-apart basins and strike-slip faults that extends from the Lesser Antilles accretionary prism to Puerto Rico. The newly observed sedimentary architecture within pull-apart Sombrero and Malliwana basins indicates a polyphased tectonic history. A past prominent NW-SE extensive to transtensive phase, possibly related to the Bahamas Bank collision, opened the Anegada Passage as previously published. Transpressive tectonic evidences indicate that these structures have been recently reactivated in an en-echelon sinistral strike-slip system. The interpreted strain ellipsoid is consistent with deformation partitioning. We propose that the slab northward shallowing increases the interplate coupling and the seismic activity beneath the Virgin Islands platform comparatively to the quiet Barbuda-St Martin segment. It is noteworthy that the major tectonic partitioning structure in the Lesser Antilles forearc is located above the slab dip change where the interplate seismic coupling increases.
Schelhaas, M.; Clerkx, A.P.P.M.
Forest coverage in the Netherlands has expanded from 2% at the beginning of the nineteenth century to 11% nowadays (370,000 ha). Wood production is only one function among many others including recreation and nature protection. Consequently, the harvest level is low relative to the increment (~55%),
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.
Beek, van I.J.M.; Meesters, H.W.G.
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
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.
L. van Bunge (Wiep)
textabstractMoving to my topic of Spinoza and the Netherlands, two separate questions present themselves: what did the Netherlands mean to Spinoza, and reversely, what did Spinoza mean to the Netherlands?
Schlaphorst, D.; Kendall, J. M.; Melekhova, E.; Blundy, J.; Baptie, B.; Latchman, J. L.
Continental crust is predominantly formed along subduction zones. Therefore, an investigation of the crustal and mantle structure variation of these areas is crucial for understanding the growth of continental crust. This work deals with the seismological characteristics along the Lesser Antilles Arc, an island arc system built by the relatively slow subduction (~2cm/yr) of the North and South American plates beneath the Caribbean plate. The amount of subducted sediments changes significantly from sediment-rich subduction in the South to sediment-poor subduction in the North. The abundance of broadband seismic stations on the Lesser Antilles islands enables a range of seismic methods to be used to study arc processes. Furthermore, the abundance of cumulate samples allows for a detailed petrological analysis, which can be related to the seismological patterns. We use data from three component broadband stations located on the individual islands along the arc. From the island of Grenada in the South to the Virgin Islands in the North significant variations in sediment load, petrology and volcanism are observed along the arc. In this work, we investigate crustal structure using receiver functions to determine Moho depth and Vp/Vs ratio. The ratio gives an idea about the material of the subsurface as well as its water and its melt contents. The receiver functions are computed using the extended-time multitaper frequency domain cross-correlation receiver-function (ETMTRF) by Helffrich (2006). This method has the advantage of resistance to noise, which is helpful since most of the data around the arc will have been collected by stations close to the ocean, thus containing a large amount of noise. Our results show clear variations in these measurements. There are also regions where the Moho is not very sharp due to a low velocity contrast. The real data results were then compared to synthetic receiver functions from subsurface models. We compute a range of synthetic
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...
Louvat, Pascale; Gaillardet, Jerome; Paris, Guillaume; Dessert, Celine
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.
Williamson, Stephen D
A multiperiod model with risk-neutral agents is constructed in which a liquidity problem arises in an equilibrium with decentralized tradin g in capital, which banking institutions are able to alleviate. Depos it contracts provide for early withdrawal, banks hold debt, and agent s who borrow from banks hold compensating balances. Institutional col lapse, or a state of the world when bank failures are experienced, is associated with a high demand for liquidity, low output, and a lower than ave...
Boot, A.; Thakor, A.V.
This note discusses some issues in bank closure policy from a financial stability standpoint and how these issues have evolved since we first raised the question of how a reputation-driven divergence of interests between bank regulators and taxpayers may distort bank closure policy in our 1993 paper
Bryan J. Noeth; Rajdeep Sengupta
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.
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...
van Beek, I.J.M.; Meesters, E.H.W.G.
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 rich diversity of species and as such is also an important source of commercial fish for the nearby islands. The Saba Bank research program aims to obtain information on the biodiversity, ecologic...
Full Text Available The representatives of the genus Cercyon Leach occurring in the Greater Antilles are reviewed. Ten species are recorded, of which five are described here as new: C. gimmeli sp. n. (Dominican Republic, C. armatipenis sp. n. (Dominican Republic, C. taino sp. n. (Dominican Republic, C. sklodowskae sp. n. (Jamaica and C. spiniventris sp. n. (Dominican Republic. Diagnoses and detailed distributional data are also provided for C. floridanus Horn, 1890 (distributed in southeastern United States of America and Cayman Islands, C. insularis Chevrolat, 1863 (endemic to the Antilles C. praetextatus (Say, 1825 (widely distributed in the New World incl. Greater Antilles, C. quisquilius (Linnaeus, 1761 (an adventive species of Paleartic origin and C. nigriceps (Marshall, 1802 (an adventive species probably of Oriental origin. Cercyon armatipenis, C. gimmeli, C. taino form a group of closely related species only distinguishable by male genitalia and DNA sequences. A key to the Great Antillean Cercyon is provided and important diagnostic characters are illustrated. The larvae of C. insularis and C. taino were associated with adults using COI barcode sequences, illustrated and diagnosed. Full occurrence data, additional images and COI barcode sequences were submitted to open access on-line depositories in an effort to provide access to complete data.
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.
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...
Kohsiek, L.H.M.; Terwindt, J.H.J.; Hulsbergen, C.H.
Hurricane- or storm-generated swell waves may cause erosion and deposition along coasts which are situated thousands of kilometers outside the generating wind field. Marked beach erosion, caused by such swell waves, was observed along the micro-tidal west coast of Aruba. During the process of
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
Full Text Available 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 anthropogenic impacts than in relatively pristine areas. In the present study, the degree of bleaching and bleaching-related tissue mortality was estimated for eight abundant coral species in Curaçao, at the onset of a massive Caribbean bleaching event in 1995, and three months afterwards. To study the possible effects of anthropogenic disturbances, the study was done at four unpolluted control sites, two polluted sites (sedimentation, sewage, and four sites at the mouth of lagoons with outflow of nutrient-rich, warm and turbid seawater. No pattern of an overall difference in bleaching between impacted and control sites was found for the degree of bleaching. However, the percentage of corals showing bleaching-related tissue mortality was higher at the impacted sites than at the control sites for the total number of corals and for corals with Los impactos antropogénicos crónicos pueden tener efectos negativos en la salud y en las cantidades de energía necesarias para la regeneración de lesiones en los corales. Mi hipótesis fue que durante los casos de blanqueamiento masivo, el grado en que los corales muestren mortalidades de tejido relacionadas con el blanqueamiento, será mayor en áreas sujetas a impactos antropogénicos crónicos que en áreas relativamente prístinas. Estimé los grados de blanqueamiento y mortalidad tisular en ocho especies de coral abundantes en Curaçao, durante el comienzo de un de blanqueamiento masivo en el Caribe en 1995 y tres meses después. El estudio se realizó en cuatro sitios control no contaminados, dos sitios contaminados (sedimentación, aguas residuales, y cuatro sitios en la boca de lagunas con aguas tibias, ricas en nutrientes y turbias. En general, no se encontró ningún patrónx de diferencias en el grado de blanqueamiento entre sitios. Sin embargo, el porcentaje de corales que mostraron mortalidad tisular relacionada con el blanqueamiento fue mayor en los sitios impactados que en los controles, tanto en el número total de corales como en corales con <50% de su superficie blanquedada. Los valores más altos y más significativos de mortalidad tisular se encontraron en un arrecife que experimentaba contaminación crónica por aguas residuales crudas. La información sugiere que las condiciones desfavorables causadas por la influencia antropogénica, como el incremento en la sedimentación, eutrofización y la temperatura del agua, tienen un efecto negativo adicional en la supervivencia del tejido de las colonias de coral, durante el blanqueamiento.
Lorscheid, Thomas; Felis, Thomas; Stocchi, Paolo; Obert, J Christina; Scholz, Denis; Rovere, Alessio
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.
..., 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...
Cantrell, Sharon A; Lodge, D Jean
A key to 17 species in the genus Hygrocybe, subgenus Pseudohygrocybe, sections Coccineae and Neohygrocybe sensu Boertmann is provided for the Greater Antilles. Five new species and five taxa that are new reports for the region are described. The new species in section Coccineae are H. pseudoadonis, H. viridiphylla, and H. zonata. The new species in section Neohygrocybe are H. albomarginata and H. ovinoides. The new reports are H. caespitosa, H. coccinea, H. cf. miniata, H. papillata, and H. subovina. Three new combinations are proposed: Hygrocybe mycenoides, H. papillata and H. subovina.
Mar 1, 2013 ... The findings of this study have motivated new recommendations for bank customers, bank management and shareholders with regard to electronic banking adoption for banking operations. Keywords: Electronic banking, returns on assets (ROA), returns on Equity (ROE), difference between means and ...
... 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...
ing., M.Sc F.C. Holtkamp
This paper explains the history of the graduate course in prosthetics and orthotics in the Netherlands. It also explains the schoolstystem in relationship towards vocational education and postgraduate education.
Thorough analysis of the taxation of permanent establishments situated in the Netherlands and rules preventing double taxation of income derived by permanent establishments of Dutch resident enterprises in other countries
Anglade, A.; Lemarchand, A.; Saurel, J.-M.; Clouard, V.; Bouin, M.-P.; De Chabalier, J.-B.; Tait, S.; Brunet, C.; Nercessian, A.; Beauducel, F.; Robertson, R.; Lynch, L.; Higgins, M.; Latchman, J.
In the last few years, French West Indies observatories from the Institut de Physique du Globe de Paris (IPGP), in collaboration with The UWI Seismic Research Centre (SRC, University of West Indies), have modernized the Lesser Antilles Arc seismic and deformation monitoring network. 15 new, permanent stations have been installed that strengthen and expand its detection capabilities. The global network of the IPGP-SRC consortium is now composed of 20 modernized stations, all equipped with broadband seismometers, strong motion sensors, Global Positioning System (GPS) sensors and satellite communication for real-time data transfer. To enhance the sensitivity and reduce ambient noise, special efforts were made to improve the design of the seismic vault and the original Stuttgart shielding of the broadband seismometers (240 and 120s corner period). Tests were conducted for several months, involving different types of countermeasures, to achieve the highest performance level of the seismometers. GPS data, realtime and validated seismic data (only broadband) are now available from the IPGP data centre (http://centrededonnees.ipgp.fr/index.php?&lang=EN). This upgraded network feeds the Caribbean Tsunami Warning System supported by UNESCO and establishes a monitoring tool that produces high quality data for studying subduction and volcanic processes in the Lesser Antilles arc.
Самородов, Б. В.
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.
Boland, Wilfried; Habing, Harm
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.
Full Text Available Swiss banking is a 'generic name' for a system based on private banking and banking secrecy. In the introductory chapter we highlight the difference between Swiss banking and banking in the Switzerland's system. In the second chapter we present a more detailed description of the institution of banking secrecy, while in the third chapter we present the exceptions to it. The fourth chapter elaborates on the present and the future of Swiss banking. It is argued whether in the present circumstances banking secrecy has become disruptive to the further development of both Swiss banking and banking in Switzerland and whether Swiss banking will come to an end in the future.
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
Zandvliet, M M J M; Teske, E; Piek, C J
A retrospective study was performed at the Department of Clinical Sciences of Companion Animals at Utrecht University amongst 75 dogs diagnosed with a Babesia canis and/or an Ehrlichia canis infection. The majority of the dogs had visited an endemic area (most often the Mediterranean area or the Dutch Antilles), but two dogs became infected with Babesia in the Netherlands. Babesia infections were associated with a stay in an endemic area and an incubation period that are both significantly shorter (less than 3 months) than those for Ehrlichia and co-infections (more than 3 months). Reasons for the owner to seek veterinary attention (lethargy, anorexia, fever), findings from the physical examination (pale mucous membranes, hepato-/splenomegaly) and laboratory results (anemia, thrombocytopenia, hypo-albuminemia) were highly aspecific, making serology or PCR mandatory for diagnosing infections. Antigenic stimulation by the parasite sometimes resulted in immune-mediated diseases such as immune-mediated hemolytic anemia, thrombocytopenia, glomerulonefritis, and polyarthritis and in the case of ehrlichiosis in hypergammaglobulinemia. Specific therapy (imidocarb-diproprionate and/or doxycycline) was necessary, and because combined infections were common, it was considered appropriate to administer both drugs while the definitive diagnosis was being established. The prognosis was reasonably good, with almost half of all patients showing no clinical signs after treatment, although Babesia and co-infections were associated with a significantly longer survival sometimes resulted than Ehrlichia infections.
Supramaniam, Mahadevan; Shanmugam, Bala
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…
Joseph, E. P.; Beckles, D. M.; Robertson, R. E.; Latchman, J. L.; Edwards, S.
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
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.
Milenković Ivan; Milenković Dragana
Swiss banking is a 'generic name' for a system based on private banking and banking secrecy. In the introductory chapter we highlight the difference between Swiss banking and banking in the Switzerland's system. In the second chapter we present a more detailed description of the institution of banking secrecy, while in the third chapter we present the exceptions to it. The fourth chapter elaborates on the present and the future of Swiss banking. It is argued whether in the present circumstanc...
Pilon, R.; Faure, G.; Dupont, T.; Chauvin, F.
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.
Massin, F.; Amorèse, D.; Bengoubou-Valerius, M.; Bernard, M.
Locations for earthquake recorded in the Antilles subduction zone are processed separately by regional observatories and ISC. There is no earthquake location catalog available compiling all available first arrival data. We aim to produce a best complete earthquake catalog by merging all available first arrival data for better constrains on earthquake locations. ISC provides the first arrival data of 29243 earthquakes (magnitude range from 1.4 to 6.4) recorded by PRSN (Porto Rico), SRC (British West Indies), and form FUNVISIS (Venezuela). IPGP provided the first arrival data of 68718 earthquakes (magnitude from 0.1 to 7.5) recorded by OVSG (Guadeloupe, 53226 earthquakes since 1981) and by OVSM (Martinique, 29931 earthquakes since 1972). IPGP also provides the accelerometer waveform data of the GIS-RAP network in the Antilles. The final catalog contains 84979 earthquakes between 1972 and 2013, 24528 of which we compiled additional data. We achieved automatic picking using the Component Energy Correlation Method. The CECM provide high precision phase detection, a realistic estimation of picking error and realistic weights that can be used with manual pick weights. The CECM add an average of 3 P-waves and 2 S-waves arrivals to 3846 earthquakes recoded by the GIS-RAP network since 2002. Cluster analysis, earthquake local tomography and relative locations are to be applied in order to image active faulting and migration of seismicity. This will help to understand seismic coupling in the seismogenic zone as well as triggering mechanisms of intermediate depth seismicity like fluid migration beneath the volcanic arc.
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
van Esterik-Plasmeijer, P.; van Raaij, W.F.
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
Keune, M.; Tros, F.
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
Schermers, G.; Wegman, F.; Vliet, P. van; Horst, A.R.A. van der; Boender, J.
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
Annet Tiessen-Raaphorst; Koen Breedveld
Sport is a popular pastime in the Netherlands; 10 million people take part in at least one sport. To do this, they can choose from more than 27,000 non-profit sports clubs, or more than 5,000 commercial providers such as fitness centres or riding stables. These clubs and commercial providers
Pijl, YJ; Kluiter, H; Wiersma, D
In the Netherlands mental hospitals and psychiatric departments in general hospitals kept the initiative in implementing community-based replacements for inpatient care. The goal of this study is to determine to what extent day treatment, sheltered residences and assertive home treatment were
A.D.M.E. Osterhaus (Albert); J.S. Teppema; R.M.S. Wirahadiredja; G. van Steenis (Bert)
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,
A description is given of the history of the development of palynology in The Netherlands. This development is traced from the appearance in 1977–1979 of the book Katechismus der Natuur by J. F. Martinet, through the increased interest, begun in the 1920's with the appearance of a thesis by Miss B.
van Amerongen, J.; Jongkind, Wim
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
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
Vermetten, Eric; Olff, Miranda
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
Fritschy, W.; Bos, P. (eds.)
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
S.J. DeWalt; K. Ickes; A. James
To examine short- and long-term changes in hurricane-prone sub-montane rain forests on Dominica in the Lesser Antilles of the eastern Caribbean, we established 17 permanent, 0.25-ha vegetation plots clustered in 3 regions of the islandânortheast, northwest, and southwest. We counted all trees â¥10 cm diameter almost 30 years after Hurricane David caused substantial tree...
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.
Victor Mihăiţă Duţă
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.
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.
Constantin Marian MATEI
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.
MIRANDA PETRONELLA VLAD
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
Mar 1, 2013 ... powerful vehicle for research. Banks can provide information and services online which customers can pay for and receive. Banking processes are made more efficient and cost effective by integrating other aspects of banking operations such as management and financial control. Ovia.  posits that on-line ...
Lallemand, S.; Lebrun, J. F.
The Grenada Basin is a crescent-shape basin in a back-arc position relative to the Lesser Antilles arc. About 140 km wide, 3000 m deep and with a flat topography in its southern part, the basin shallows, narrows and becomes rougher northward. Its structural and genetic relations with the N-S-trending, ca.1000 m deep, Aves Ridge to the west, previously interpreted as the ante-Eocene remnant arc and the Lesser Antilles modern volcanic arc are debated. The GARANTI deep-seismic survey across the Grenada Basin (May-June 2017 French R/V L'Atalante), acquired two transverse (E-W) and one longitudinal (N-S), ca. 300 km long, wide-angle seismic lines shot using a 6473 in3 seismic source array, and recorded by 40 ocean bottom seismometers together with ca. 3500 km of 720-traces seismic reflection lines. This data set revealed a clear asymmetry along both N-S and E-W directions. To the North and to the West, the crust beneath the basin is rather thick and non-oceanic, whereas it is probably oceanic to the southeast. We pay special attention to structural relations between the basin itself and the Aves Ridge in one hand and the Antilles Arc in the other hand. The basin is filled by up to 7km of flat-lying sediments, thickening eastward and showing no apparent deformation. The Lesser Antilles arc margin is abrupt and does not appear to be the conjugate of the Aves Ridge margin. Fourteen dredges were collected, half of them were taken along the east flank of the Aves Ridge facing the deep Grenada basin. Evidences of past Cenozoic emersion of the Aves Ridge were found from drowned reef seamounts lying down to 1100 m bsl. Further analyses should better portrait the tectonic evolution of the Lesser Antilles back-arc area. GARANTI Scientific Team : A. Agranier, D. Arcay, F. Audemard, M.-A. Bassetti, M.-O. Beslier, M. Boucard, J.-J. Cornée, M. Fabre, A. Gay, D. Graindorge, A. Heuret, F. Klingelhoefer, M. Laigle, J.-L. Léticée, D. Malengros, B. Marcaillou, B. Mercier de Lépinay, P
van Amerongen, J.; Jongkind, Wim
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...
Gadalia, A.; Rad, S.; Braibant, G.; Brach, M.; Millot, R.; Traineau, H.
Geothermal exploration of Martinique Island started in 1967 but was interrupted successively at 3 times. Additional geothermal exploration program was conducted by BRGM, in 2001-2003 and recently in areas known for their geothermal interest: Mount Pelée volcano and Diamant. A complementary exploration is now proceed with new sites of interest such as "Pitons du Carbet" massif after recent dating (Germa et al., 2011). A conceptual model of reservoir was established for Mount Pelée volcano and on the Piton du Carbet massif, but the extension of these greenfield remains unknown. We propose new approach through geochemistry by the integration to the prospection of chemical compositions of river waters adding to hot springs and well waters. Rivers catchment in Lesser Antilles and their hydrothermal impact have been studied in order to quantify and identify the magmatic contribution into the river (Rad et al., 2011). Chemical analyses and new isotopic tools such as Lithium isotopes 7Li/6Li (expressed as δ7Li) are measured in river waters. Among these multi chemical parameters, isotopic in particular (H, Li, C, O, Sr…) the Li isotopic signature appear to be conservative and allows to identify new target with high temperature water-rock interactions or in case of high fractionation, reflecting low temperature water-rock interactions, to avoid an extended zone. These new technique was applied to the Mount Pelée and confirm the pre-existent model established in previous exploration campaign. For Pitons du Carbet massif all the river catchment of the massif have been sampled, first results show a potential western extension of the reservoir, confirm by an important gas leak of hydrothermal origin. For tropical volcanic environment with sharp relief, dense vegetation, and high precipitation, chemical and isotopic analyses, particularly lithium isotopes, in river waters, allow to identify zone of interest. To conclude, river catchment studies dedicate to geothermal
Pichot, T.; Patriat, M.; Westbrook, G. K.; Nalpas, T.; Roest, W. R.; Gutscher, M.
The Barracuda Ridge and the Tiburon Rise, two major oceanic basement ridges, lie at the western end of the diffuse North America-South America plate-boundary zone, where they enter the subduction zone beneath the Lesser Antilles island arc. Numerous Fracture Zones affect the oceanic crust in this area such as Fifteen Twenty FZ, Marathon FZ and Mercurius FZ. Uncertainties in kinematic models and GPS measurements are too high to accurately predict plate motions in the Barracuda Ridge and Tiburon Rise area. From an analysis of geophysical and geological data, including multibeam and seismic reflection profiles acquired in 2007, a detailed tectono-stratigraphic study was performed. We propose an evolutionary model for the geological history, including the timing of the uplift of the Barracuda and Tiburon ridges. Terrigenous turbidites originating from South America were delivered over the entire area, extending as far north as the Barracuda Ridge, since the early Paleogene. The Neogene turbiditic sequence is relatively thin north of the Tiburon Rise, where the Quaternary distal turbidites form a depocenter in the middle of the Tiburon basin. This basin is restricted by the uplift of the Barracuda Ridge and Tiburon Rise to the north and south, respectively, and by the flexural bulge of the subducting lithosphere to the west. Distal turbidites were also deposited in the deep trough north of Barracuda Ridge. The seafloor topography inherited from the crustal accretion at the mid-oceanic ridge, was buried by turbidites at the end of the Paleogene. The sediments were affected by short wavelength (about 3 km) syn-depositional folds and, mostly normal, faults. Later, during the Middle-Late Miocene and then during the Pleistocene, respectively, the Tiburon Rise and Barracuda Ridge were further uplifted and acquired their present elevation. Two lens-like bodies of mass transport deposits, up to 800-m thick, dated as late Early-Pleistocene, occupy an area greater than 20000 km2
Dondin, F. J. Y.; Dorville, J. F. M.; Robertson, R. E. A.
The Lesser Antilles Volcanic Arc has potentially been hit by prehistorical regional tsunamis generated by voluminous volcanic landslides (volume > 1 km3) among the 53 events recognized so far. No field evidence of these tsunamis are found in the vincity of the sources. Such a scenario taking place nowadays would trigger hazardous tsunami waves bearing potentially catastrophic consequences for the closest islands and regional offshore oil platforms.Here we applied a complete hazard assessment method on the only active submarine volcano of the arc Kick 'em Jenny (KeJ). KeJ is the southernmost edifice with recognized associated volcanic landslide deposits. From the three identified landslide episodes one is associated with a collapse volume ca. 4.4 km3. Numerical simulations considering a single pulse collapse revealed that this episode would have produced a regional tsunami. An edifice current volume estimate is ca. 1.5 km3.Previous study exists in relationship to assessment of regional tsunami hazard related to shoreline surface elevation (run-up) in the case of a potential flank collapse scenario at KeJ. However this assessment was based on inferred volume of collapse material. We aim to firstly quantify potential initial volumes of collapse material using relative slope instability analysis (RSIA); secondly to assess first order run-ups and maximum inland inundation distance for Barbados and Trinidad and Tobago, i.e. two important economic centers of the Lesser Antilles. In this framework we present for seven geomechanical models tested in the RSIA step maps of critical failure surface associated with factor of stability (Fs) for twelve sectors of 30° each; then we introduce maps of expected potential run-ups (run-up × the probability of failure at a sector) at the shoreline.The RSIA evaluates critical potential failure surface associated with Fs sources characteristics are retrieved from numerical simulation using an hydraulic equations-based code (Volc
Thornton, James; Desarthe, Jérémy; Naulin, Jean-Philippe; Garnier, Emmanuel; Liu, Ye; Moncoulon, David
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
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
Characterization of geothermal paleosystem in the Lesser Antilles volcanic arc: structural, petrographic, thermodynamic and petrophysics analysis of Terre-de-Haut (Les Saintes archipelago, Lesser Antilles)
Favier, Alexiane; Navelot, Vivien; Verati, Chrystèle; Lardeaux, Jean-Marc; Corsini, Michel; Diraison, Marc; Géraud, Yves; Mercier de Lépinay, Jeanne; Munschy, Marc
This survey takes part in the GEOTREF project (high enthalpy geothermal energy in fractured reservoirs), supported by the French government program "Investments for the future". The program focuses on the exploration of geothermal resource in the Lesser Antilles volcanic arc. An exclusive license has been issued in the Vieux-Habitants area (Basse-Terre, Guadeloupe) to carry on the development of high-temperature geothermal energy in this active volcanic region. The deep geothermal reservoir on the Basse-Terre island could be characterized in exhumed paleosystems. The reference paleosystem in the Guadeloupe archipelago is located in Terre-de-Haut. Four major fault directions have been highlighted N000-N020, N050-N070, N090-N110 and N130-N140. Field observations emphasize three major cleavage directions overlaying the fault systems: N035-N060, N080-N110, N145-N165. Volcanic rocks affected by cleavage display several metamorphic transformation grades. The more transformed calc-alkaline rocks are located at the intersection of several cleavage directions. Mineralogical transformations due to metamorphism and surimposed fractures are also responsible for strong changes of petrophysical properties. In comparison with the reference protolith of andesitic lava flows outcropping in Vieux-Habitants, which have porosity and permeability lower than 5 % and 10-15 m2, andesites of Terre-de-Haut have better reservoir properties with connected porosity and permeability higher than 15 % and 10-14-10-15 m2 respectively. Thermodynamic modelling based on petrography and chemical composition of the most transformed rocks highlights a steady state mineral assemblage between 0.25 - 1.5 kbar and 350 - 450 ˚ C. It corresponds to a geothermal gradient higher than 120 to 150˚ C/km. This is consistent with temperatures measured in Bouillante wells. However, this geothermal gradient is notably higher to a usual volcanic arc conductive gradient estimated to 70-100˚ C/km. It can be explained
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.
Syed, S.; Arain, G.A.; Schalk, Rene; Freese, C.
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
Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Rapp, Barbara A.; Wheeler, David L.
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...
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.
A. J. Berland
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.
Miller, J. A.; Mattioli, G. S.; James, S. A.
Over the last decade, ongoing campaign style geodetic surveys have been conducted on the volcanic island of Dominica in central portion of the Lesser Antilles island arc. An increase in shallow seismicity on the island, the first concentrated in the south from 1998-2000 and the second in the north in 2003, motivated initial measurements in 2001 at 9 sites distributed across Dominica. Subsequent GPS campaigns were conducted in 2003, 2004 and 2007, during which 18 new sites were added to the original network. In 2007, a total of 27 sites were occupied. The most recent data were collected from 13 sites in 2011 and 9 sites in 2012. Out of the 27 sites on the Island, 5 were not occupied during the 2011/2012 field seasons due to accessibility issues. All GPS data have been reprocessed using GIPSY-OASIS II (v. 6) with final, precise IGS08 orbits, clocks, and earth orientation parameters using an absolute point positioning strategy. The purpose of our study is to examine spatial and temporal changes in surface deformation, constrained by GPS, and to investigate the relationship between the recent seismic swarms and shallow volcanic processes.
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Bank. 583.3 Section 583.3 Banks and Banking... AND LOAN HOLDING COMPANIES § 583.3 Bank. The term bank means any national bank, state bank, state-chartered savings bank, cooperative bank, or industrial bank, the deposits of which are insured by the...
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)
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.)
Devillé Walter L
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
Iris Andriessen; Henk Fernee; Karin Wittebrood
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
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.......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....
Mieke Maliepaard; Merove Gijsberts
Original title: Moslim in Nederland 2012. This report looks at the way in which Muslim groups in the Netherlands experience and practise their religion. An important characteristic of Muslims in the Netherlands is that, almost without exception, they have a migration ground. What does becoming
Van der Drift, A. [ECN Biomass and Energy Efficiency, Petten (Netherlands)
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.
Leen Sterckx; Jaco Dagevos; Willem Huijnk; Jantine van Lisdonk
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
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
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.
Speed, R. C.
It is proposed that the Cenozoic tectonic record of the southern Lesser Antilles arc and northeastern continental South America can be explained by ongoing right-oblique collision between the arc and continent. The collision has proceeded by the transport of the leading edge of the arc across the slope and outer shelf of a former north facing passive margin of the South American continent. The overriding began in the study region near the Gulf of Cariaco in eastern Venezuela in late Eocene or Oligocene time and has migrated with a generally SE vector. Suturing has occurred between the arc and continent after the attainment of a critical distance of overlap; today's point of suturing lies in the Paria Peninsula. East of there, overriding continues. Major tectonic elements engaged in or created by the collision are the southern Lesser Antilles magmatic arc, forearc basin, the Araya-Tobago terrane, a South American foreland thrust and fold belt, and a foreland basin. The Araya-Tobago terrane is thought to consist of sediments of South American provenance that were accreted to the Lesser Antilles forearc during its transit of an ocean basin and the continental slope and outer shelf. The emplacement of the magmatic arc and the Araya-Tobago terrane caused tectonic imbrication of shelf strata to propagate ahead of the arc front as a foreland thrust and fold belt. Tectonic loading of the shelf also caused subsidence of a major foreland basin on the continentward side of the thrust belt. It is proposed the El Pilar fault exists between the Gulf of Cariaco and the Paria Peninsula as an active right slip fault but not east of Paria. It is not a throughgoing transform fault between the South American and Caribbean plates. The El Pilar fault exists where the overlapping arc and the continent are sutured and takes up a suture-parallel component of convergence between arc and continent. The eastern tip of the fault propagates east with the point of suturing. Reconstructions of
Mikhail Vitalyevich Leonov
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
Hoogewoud, J. C.; de Lange, W. J.; Veldhuizen, A.; Prinsen, G.
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
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...
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...
Khoury, Sarkis Joseph; Wihlborg, Clas
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....
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.
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.
George, O.; Latchman, J. L.; Connor, C.; Malservisi, R.; Connor, L.
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.
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 ...
Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Wheeler, David L.
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...
The goal of my thesis "Audit of a bank" is to identify and describe the area of external and internal audit in banking and to focus on specifics of bank audit in comparison to external audit of commercial enterprise. The first part is focused on audit of financial statements. In the second part are described the specifics of banking segment. Third part describes internal audit and cooperation between external and internal audit. In the last part there are described methods applied during the ...
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...
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.
The volume contains the valid national legal regulations of the Kingdom of the Netherlands in the field of the peaceful uses of nuclear energy as per October 1st, 1975. These regulations are arranged according to the following subjects: 1) general atomic energy law and organization; 2) liability; 3) nuclear facilities, reactor ships, fissionable material and ores; 4) radiation protection; 5) carriage; 6) import and export; 7) international agreements. Within these subject groups the regulations are presented chronologically. They have consecutive numbers, printed at the top of the margins for easier location. As a rule, the full text of the laws, royal ordonances and ministerial orders is given. However, in the case of regulations only containing in parts stipulations concerning nuclear law, only the pertinent texts have been considered. (orig./HP) [de
This dissertation studies how banks collect and process information. The first chapter studies how the organizational structure of banks affects the processing of information. The second chapter studies how banks use private information collected over the lending relationship in credit negotiations.
Beck, T.H.L.; Cull, R.; Berger, A.; Molyneux, P.; Wilson, J.
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
Bolt, Wilko; de Haan, Leo; Hoeberichts, Marco; van Oordt, Maarten R C; Swank, Job
This paper contributes to the literature on the relation between bank profitability and economic activity. When allowing for stronger co-movement of bank profit with economic activity during deep recessions, we find a much larger impact of output growth on bank profitability than commonly found in
Boot, A.W.A.; Ratnovski, L.
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
Boudon, Georges; Balcone-Boissard, Hélène; Solaro, Clara; Martel, Caroline
Ignimbritic eruptions represent catastrophic events due to the magma volume involved and the related consequences on Earth's environment in relation with the released gases and the tephra dispersal. Dominica has been recognized as hosting one of the major ignimbritic eruptions of the last 200 ky in the Lesser Antilles arc, called the Roseau Tuff. But more recent works have evidenced several pumiceous events instead of a single large one. Here we propose a revised chronostratigraphy of the explosive activity that occurred in the last tens of thousands years based on three field trips, new 14C ages, detailed lithological and geochemical investigations, in particular a precise characterization of trace element glass chemistry. This eruptive history reconstruction is mainly based on outcrops along the coast and in the valley, since the luxury vegetation in the center of the island mostly precludes sections close to the central volcanic centers. We thus confirm that the Roseau event has been overestimated and that we may recognize five main ignimbritic events: Grande Savane, Layou ( 51 ka), Grand Bay, Roseau ( 33 ka), Grand Fond ( 24 ka). We discuss the possible volcanic center at their origin, in addition to correlations with some Plinian events of lower magnitude that were identified in the Roseau valley and in the southern part of Dominica. This study may help to better constrain the eruptive history of the most active volcanic island of the Lesser Antilles arc, which has important implications on hazard mitigation.
De Boer, A.; Van Gerven, B.
In two articles an overview is given of the developments in the Netherlands with respect to renewable energy. The Dutch government aims at wind power and biomass at the expense of solar energy and heat pumps and hydroelectric power [nl
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.
Sukkel, W.; Hommes, M.
Dutch organic agriculture has unique characteristics and peculiarities. It is still a relatively small sector compared to conventional agriculture in the Netherlands. However, its market share is growing and organic agriculture leads the way in terms of sustainability and innovations
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
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.
Coroiu Sorina Ioana
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.
Massin, Frederick; Amorese, Daniel; Beauducel, Francois; Bengoubou-Valérius, Mendy; Bernard, Marie-Lise; Bertil, Didier
Locations for earthquake recorded in the Lesser Antilles subduction zone are processed separately by regional observatories, NEIC and ISC. There is no earthquake location catalog available compiling all available phase arrival data. We propose a new best complete earthquake catalog by merging all available phase arrival data for better constrains on earthquake locations. ISC provides the phase arrival data of 29243 earthquakes (magnitude range from 1.4 to 6.4) recorded by PRSN (Porto Rico), SRC (British West Indies), and from FUNVISIS (Venezuela). We add phases data from IPGP observatories for 68718 earthquakes from magnitudes 0.1 to 7.5 (OVSG, Guadeloupe, recorded 53226 earthquakes since 1981, and OVSM, Martinique, recorded 29931 earthquakes since 1972). IPGP also provides the accelerometer waveform data of the GIS-RAP network. We achieved automatic picking on the GIS-RAP data using the Component Energy Correlation Method. The CECM provides high precision phase detection, a realistic estimation of picking error and realistic weights that can be used with manual pick weights. The CECM add an average of 3 P-waves and 2 S-waves arrivals to 3846 earthquakes recorded by the GIS-RAP network since 2002. The final catalog contains 84979 earthquakes between 1972 and 2013, 24528 of which we compiled additional data. We achieve earthquake location using NonLinLoc, regional P and S waves data and a set of one dimensional velocity models. We produce improved locations for 22974 earthquakes (better residuals, on equal or larger arrival dataset) and improved duration magnitudes for 6258 earthquakes (using duration data and improved locations). A subset of best constrained 15626 hypocenters (with more than 8 phases and an average RMS of 0.48±0.77s) could be used for structural analysis and earthquake local tomography. Relative locations are to be applied in order to image active faulting. We aim to understand coupling in the seismogenic zone as well as triggering mechanisms of
Murray, Natalie A.; McManus, James; Palmer, Martin R.; Haley, Brian; Manners, Hayley
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
Mercier de Lépinay, jeanne; munschy, marc; geraud, yves; diraison, marc; navelot, vivien; verati, christelle; corsini, michel; lardeaux, jean marc; favier, alexiane
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
Daley, A. P., Jr.; Dorville, J. F. M.; Taylor, M. A.
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.
Bagnato, E.; Aiuppa, A.; Parello, F.; D'Alessandro, W.; Allard, P.; Calabrese, S.
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
Pijl, Y J; Kluiter, H; Wiersma, D
In the Netherlands mental hospitals and psychiatric departments in general hospitals kept the initiative in implementing community-based replacements for inpatient care. The goal of this study is to determine to what extent day treatment, sheltered residences and assertive home treatment were effective alternatives, rather than additions to inpatient care. All adult users and their use of intensive community- and hospital-based services between 1989 and 1997 were retrieved from the Groningen case register. Statistics about changes in the use of mental health care provisions were corrected for changes in the population as to size and age. The number of patients in day treatment, sheltered residences and in particular home treatment grew between 1989 and 1997 to a large degree, as did their average use of these services. In that same period inpatient care lost some, though not many patients, but the average length of their stay in the hospital was reduced by 33%. Analysis of treated incidence and prevalence showed that the implementation of alternatives to hospital-based care did not attract new patients but kept patients longer in mental health care.
Mulder, Thierry; Gillet, Hervé; Hanquiez, Vincent; Ducassou, Emmanuelle; Fauquembergue, Kelly; Conesa, Gilles; Principaud, Mélanie; Le Goff, Johan; Ragusa, Jérémy; Bujan, Stephane; Bashah, Sara
New high-quality multibeam data depict the area located between Little Bahama Bank (LBB, Bahamas) and Blake Plateau. The survey details the morphology of a giant 135-km-long canyon, the Great Abaco Canyon (GAC) and its main characteristics. The canyon main axis runs parallel to the margin. The pathway shows several knickpoints and plunge pools. The most important knickpoint is underlined by an abrupt change in slope of the canyon thalweg. The last one leads to the opening towards the Blake Basin. Its morphologic head forms a vast receptacle but does not represent the main source of material at present. The material supplied through the LBB canyon systems does not reach this area which only shows lineaments related to the pathway of the Antilles current and restricted failure scars. Most of the supply comes from the canyon flanks. In the north, tributary canyons drain the contourite deposits forming large flat plateaus above the drowned carbonate platform of the Blake Plateau. In addition, these contourite plateaus are subjected to translational slides moving towards the northern edge of the canyon forming a dissymmetric debris accumulation along the toe of the north canyon edge. Another source of sediment are two large tributaries connecting the GAC directly to the LBB upper slope. Sub bottom profiles suggest the presence of a turbiditic levee on the tributary canyon sides and inferred turbiditic activity. Little Abaco Canyon (LAC) shows morphologic similarities with GAC but at a smaller size. However, the canyon seems more active in terms of sediment transport. Canyons draining the eastern part of LBB show fresh sedimentary structures (sediment waves) suggesting active sedimentary processes. These structures are made of clean sand with shallow water organisms suggesting a direct supply from the carbonate platform edge. In term of size and morphology, the GAC compares to the largest canyons in siliciclastic environments. Its originality comes from the fact it is
G.O. Ofori-Dwumfuo; Betty A. Dankwah
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...
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.)
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.
Debrot, A.O.; Nagelkerken, I.
Mangroves are an important fish habitat, but little is known of their nursery function and connectivity to other habitats such as coral reefs. Here, the present status of knowledge on connectivity between non-estuarine mangroves and coral reefs by post-larval coral reef fishes is reviewed. Only
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...
Kemperman, Ramses F. J.; Muskiet, Fred D.; Boutier, A. Inge; Kema, Ido P.; Muskiet, Frits A. J.
This study investigated the relationship between platelet (PLT) serotonin (5-HT) and intestinal permeability in children with pervasive developmental disorders (PDD). Differential sugar absorption and PLT 5-HT were determined in 23 children with PDD. PLT 5-HT (2.0-7.1 nmol/10[to the ninth power] PLT) was elevated in 4/23 patients. None exhibited…
Kop, P A L Femke; Janssens, Pim M W; Mochtar, Monique H
In recent years much has changed in care for artificial insemination with donor sperm (AID). Since new laws and regulations were implemented, a large number of sperm banks have closed and the total number of sperm donors and their availability have decreased. Long waiting times and the use of sperm donors recruited by foreign commercial sperm banks can indicate a shortage of sperm donors. The fact that the internet offers women the possibility of ordering donor sperm and starting treatment without the intervention of a sperm bank means that future donor-conceived children may be prevented from obtaining the identity of their sperm donor as stipulated in the Dutch law on donor information in the context of artificial insemination. In order to comply with this law, an active recruitment policy is needed for Dutch sperm donors, to prevent waiting lists and treatments outside Dutch sperm banks. Only then can current AID care be guaranteed in the Netherlands in the future.
Agerlin, Anne; Holmqvist, Maja
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...
Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Sayers, Eric W.
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...
Benson, Dennis A.; Cavanaugh, Mark; Clark, Karen; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Sayers, Eric W.
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...
O'Brien, Jennifer A; DeJarnette, Sherry
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.
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...
Blomqvist, M.M.; Tamis, W.L.M.; Snoo, de G.R.
Restoring plant species richness in intensively farmed areas by means of agri-environment schemes (AES) seems particularly difficult. We studied the effectiveness of a decade of AES in enhancing biodiversity in ditch banks on six modern dairy farms in the Western Peat District in the Netherlands,
Couwenberg, Oscar; de Jong, Abe
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
A. de Jong (Abe)
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
Baquero, M.; Mann, P.; Audemard, F. A.
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
Claeys, Cécilia; Arnaud, Aurélie; Lambert, Marie-Laure
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.
Full Text Available Jahnula purpurea J.Fourn., Raja & Shearer, a new species in the Jahnulales (Dothideomycetes collected from submerged wood in a freshwater river in Martinique Island, Lesser Antilles, is described and illustrated. The characteristic features of the new species are: globose to subglobose, brownish black ascomata with broad, golden brown, subtending hyphae which stain the underlying wood purple; a peridial wall composed of large pseudoparenchymatic cells, which are textura angularis to prismatica in surface view; sparsely septate pseudoparaphyses embedded in a gel matrix; clavate to obclavate asci with a short pedicel; brown, one-septate, ellipsoidal, rough-walled ascospores without a gelatinous sheath or appendages. Unfortunately, because limited material was available from the type collection, we were unable to obtain molecular data. Jahnula purpurea is distinct from all previously described species of Jahnula in its ability to stain the wood purple and in a combination of ascomal, ascus, and ascospore size and morphology.
Nefs, Giesje; Bot, Mariska; Browne, Jessica L
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...
Nagoshi, Rodney N; Fleischer, Shelby; Meagher, Robert L; Hay-Roe, Mirian; Khan, Ayub; Murúa, M Gabriela; Silvie, Pierre; Vergara, Clorinda; Westbrook, John
The fall armyworm, Spodoptera frugiperda (J. E. Smith)(Lepidoptera: Noctuidae), is an important agricultural pest of the Western Hemisphere noted for its broad host range, long distance flight capabilities, and a propensity to develop resistance to pesticides that includes a subset of those used in genetically modified corn varieties. These characteristics exacerbate the threat fall armyworm poses to agriculture, with the potential that a resistance trait arising in one geographical location could rapidly disseminate throughout the hemisphere. A region of particular concern is the Caribbean, where a line of islands that extends from Florida to Venezuela provides a potential migratory pathway between populations from North and South America that could allow for consistent and substantial genetic interactions. In this study, surveys of populations from Peru, Bolivia, Paraguay, and Trinidad & Tobago expand on previous work in South America that indicates a generally homogeneous population with respect to haplotype markers. This population differs from that found in most of the Lesser Antilles where a combination of genetic and meteorological observations is described that indicate fall armyworm migration from Puerto Rico to as far south as Barbados, but does not support significant incursion into Trinidad & Tobago and South America. Air transport projections demonstrate that the wind patterns in the Caribbean region are not conducive to consistent flight along the north-south orientation of the Lesser Antilles, supporting the conclusion that such migration is minor and sporadic, providing few opportunities for genetic exchanges. The implications of these findings on the dissemination of deleterious traits between the two Western Hemisphere continents are discussed.
Rodney N Nagoshi
Full Text Available The fall armyworm, Spodoptera frugiperda (J. E. Smith(Lepidoptera: Noctuidae, is an important agricultural pest of the Western Hemisphere noted for its broad host range, long distance flight capabilities, and a propensity to develop resistance to pesticides that includes a subset of those used in genetically modified corn varieties. These characteristics exacerbate the threat fall armyworm poses to agriculture, with the potential that a resistance trait arising in one geographical location could rapidly disseminate throughout the hemisphere. A region of particular concern is the Caribbean, where a line of islands that extends from Florida to Venezuela provides a potential migratory pathway between populations from North and South America that could allow for consistent and substantial genetic interactions. In this study, surveys of populations from Peru, Bolivia, Paraguay, and Trinidad & Tobago expand on previous work in South America that indicates a generally homogeneous population with respect to haplotype markers. This population differs from that found in most of the Lesser Antilles where a combination of genetic and meteorological observations is described that indicate fall armyworm migration from Puerto Rico to as far south as Barbados, but does not support significant incursion into Trinidad & Tobago and South America. Air transport projections demonstrate that the wind patterns in the Caribbean region are not conducive to consistent flight along the north-south orientation of the Lesser Antilles, supporting the conclusion that such migration is minor and sporadic, providing few opportunities for genetic exchanges. The implications of these findings on the dissemination of deleterious traits between the two Western Hemisphere continents are discussed.
Gunst, de J.H.
This paper presents a preliminary check list of 46 species of Enchytraeidae hitherto found in the Netherlands. With the exception of Enchytraeus albidus and Hemifridericia parva, these species are recorded from the Netherlands for the first time.
The NEA Data Bank services celebrate its 40 th anniversary in 2004. During all these years, the Data Bank's primary role has been to provide scientists in member countries with reliable nuclear data and computer programs for use in different nuclear applications. The services include also Thermochemical data for radioactive waste management applications. The Data Bank organises seminars and workshops to present information on computer programs or groups of programs that are considered to be of special interest to users. Training courses on widely used computer programs are organised a few times a year to ensure a correct and effective use of these programs. The Data Bank member countries are: Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Italy, Japan, Republic of Korea, Mexico, Netherlands, Norway, Portugal, Slovak Republic, Spain, Sweden, Switzerland, Turkey, and United Kingdom. Users of the Data Bank services include governmental research institutes, industry and universities. By arrangement with IAEA, the Data Bank computer program service covers both Data Bank countries and member states of IAEA, except USA and Canada where a separate agreement covers nuclear data and computer program exchanges. The NEA Data Bank also maintains a close cooperation with the NEA Nuclear Science Section, which provides useful feedback on the performance of computer programs and nuclear data through a number of benchmark studies, especially in the areas of reactor and fuel cycle physics, criticality safety, and radiation shielding. This report describes the Organisation, Nuclear Data Services (EXFOR and CINDA, JANIS-2 and the Joint Evaluated Fission and Fusion (JEFF) Project and JEFF-3.1). The computer program services have during its 40 years of existence distributed in total about 67 000 programs upon request. In 2003, the Data Bank acquired 70 new or revised versions of computer codes. During the same period, the NEA distributed more than
This paper analyzes the profitability of 112 rural banks (special unit banks created to promote rural financial intermediation in Ghana). The results generally show that bank size, funding risk, diversification, liquidity risk, and bank stability are significant predictors of rural bank profitability. Whereas an improvement in the funding risk of a rural bank in a particular period portends a drop in its profitability in the future, an improvement in the size, diversification, liquidity risk,...
Miranda Petronella VLAD
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.
This dissertation studies the British banking sector from the end of the 19th century until the beginning of the 20th century. The British banking sector at that time was one of the most developed ones and was characterized by the fact that very little regulation existed concerning, amongst others,
institution in the financial market. This is due to the very nature of banks whose failure is viewed to have greater effect on the economy than the failure of other types of businesses (Ogunleye (2005: 3). Along with the traditional banks, Non-. Financial Institutions (NBFIs) also play intermediation role in the financial system by ...
van der Kwaak, C.G.F.
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
Bermundo, Cesar B.; Bermundo, Alex B.; Ballester, Rex C.
iBank is a project that utilizes a software to create an item Bank that store quality questions, generate test and print exam. The items are from analyze teacher-constructed test questions that provides the basis for discussing test results, by determining why a test item is or not discriminating between the better and poorer students, and by…
De Jonghe, Olivier; Diepstraten, Maaike; Schepens, Glenn; Beck, Thorsten; Casu, Barbara
This chapter discusses recent EU-wide movements in bank competition and concentration. We start with a concise overview of the most frequently used competition and concentration measures. Given that different measures may capture different aspects of bank competition, we focus on the differences and
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
G.J. Van der Star; dr. A. Maas
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
This dissertation consists of three essays on banking and concentrates on two topics. The first two essays deal with strategic behavior of borrowers. The third essay explores the relation between bank capital and risk-taking. The first essay, Collective Strategic Defaults: Bailouts and Repayment
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
Boot, A.W.A.; Ratnovski, L.
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
Fang, Yiwei; van Lelyveld, Iman
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
Full Text Available This paper analyzes the profitability of 112 rural banks (special unit banks created to promote rural financial intermediation in Ghana. The results generally show that bank size, funding risk, diversification, liquidity risk, and bank stability are significant predictors of rural bank profitability. Whereas an improvement in the funding risk of a rural bank in a particular period portends a drop in its profitability in the future, an improvement in the size, diversification, liquidity risk, and stability of a rural bank signifies an improvement in the future profitability of the bank.
Full Text Available The paper examines how the banking system is organised in Romania. By comparing the organization of the banking system in Romania with banking systems of certain countries in the European Union, banks typology is highlighted at the international level. The aim of this paper is to highlight the factors influencing the Romanian banking system, the banking system role in the economy as well as the objectives of Romanian banking system. This paper examines indicators as: return on equity, return on assets, leverage effect, profit rate and the rate of assets utilization, in order to identify the methods of quantifying the performance of the Romanian banking system, by reference to two commercial banks, namely Transilvania Bank and Intesa Sanpaolo Bank. After the analysis and calculation of these indicators, we can notice a good situation of the banks concerned. In order to improve Romanian banking system are under consideration: reducing the costs of banking intermediation, raising the coverage levels at European level and reducing the compulsory reserves. After the analysis of organization the banking system in Romania and comparing banking systems at the level of some countries of the European Union we can conclude that national banking system has its own particularities, in terms of banks name, types of activities covered under this name as well as those at European Union level.
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
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.
Lavinia Mihaela GUȚU; Vasile ILIE
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...
Darracq Paries, Matthieu; Faia, Ester; Rodriguez-Palenzuela, Diego
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...
Exploitation des invertébrés par les sociétés précolombiennes des Petites Antilles. Les invertébrés (mollusques et crustacés) ont été des ressources non négligeables pour les sociétés précolombiennes présentes dans les Petites Antilles entre le VIe millénaire av. J.-C. et le xve siècle apr. J.-C. Leur prise en compte par le biais des analyses archéozoologiques contribue à définir les systèmes socio-économiques et culturels de ces sociétés. Les données de vingt-et-un sites répartis sur sept îl...
Badaeva V.; Makukhina Y.
The article examines about the essence of competitiveness of banks, the ways of improving it, competitive advantages and factors which influence the effectiveness and competitiveness of banking institutions.
Full Text Available The article discusses the main transformation processes in banking sector: globalization, concentration of capital, formation of a new model of banking and new banking culture. It is shown that the driving forces of these processes are competition and innovation. The interpretation of the bank of the future as a sum of four concepts is offered: “Bank = technology”, “Bank = client”, “Bank = product”, “Bank = life”. It is hypothesized that a person in the digital economy can be described as Homo financial (a person with financial literacy and financial thinking.
Jeanlèn, L.; Philippon, M. M.; Randrianasolo, A.; Jean-Frederic, L.; Cornée, J. J.; Münch, P.
Guadeloupe archipelago is part of the Lesser Antilles active volcanic arc and is therefore subjected to both enhanced seismic and volcanic activity related to the Lesser Antilles subduction zone, along which the Atlantic plate is subducted westward bellow the Caribbean plate. The volcanic arc is composed of several immerged volcanic islands (St Kitts, Nevis Montserrat, Basse Terre, Dominica, Martinique, St Lucia, Grenada) and submerged volcanoes (Kick em'Jenny). These volcanoes are known to be explosives and when they are entering in an eruptive cycle, debris flow could potentially initiate a tsunami and generate peculiar deposits within the sedimentary record recognized as tsunami deposits (or tsunamite). Subduction- related earthquakes might also initiate slope instabilities and trigger debris flow. Another controlling factor of slope (in-)-stabilities and debris flow is massive rainfalls. During cyclonic season (June to December), massive rainfalls are recorded in the area, which moreover is located on the trajectory of Atlantic Hurricanes that are responsible for numerous landslides. As a consequence, tsunami deposit are described and well studied in the Lesser Antilles arc as the islands shoreline and coastal plain are perpetually re-shaped by hurricanes responsible for tempestite deposits. However, the report of these deposit concern recent to actual events, for example present-day deposits consisting of large (metric) boulders, more or less aligned, located in the supralittoral fringe can be observed along Guadeloupe shore. In this study, we investigate the Plio-pleistocene sedimentary sequence of Grande Terre carbonate platform (Guadeloupe), and track the presence of such extreme-event related deposits and discuss our findings in the frame of the Lesser Antilles geological context.
Wallinga, J.; Davids, F.; Dijkmans, J.W.A.
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;
van Eijk, N.
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
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
Hong, T.M.; Pieke, F.N.; Stam, T.
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
Schweizer, JJ; Blomberg - van der Flier, von B.M.E.; Mesquita, HB Bueno-de; Mearin, ML
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
Klok, Pieter-Jan; Boogers, Marcel; Denters, Sebastianus A.H.; Sanders, M.; Teles, Filipe; Swianiewicz, Pawel
In the Netherlands, since the 1950s, successive governments have made attempts at introducing new regional public authorities, which should either replace municipal government or serve as an add-on to the traditional system of local government. The dire fate of these efforts is well documented.
Borel Rinkes, I.H.M.; Gouma, D.J.; Hamming, J.F.
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,
Oeij, P.R.A.; Dhondt, S.; Ooms, M.
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
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
Bensing, J.; Visser, Adriaan; Saan, Hans
This article presents the development of patient education (PE) in The Netherlands from a historical perspective. A description is given of the first pioneering years from the 70s till the late 80s, in which early topics like the organization of PE, the orchestration of PE between different
Inger Plaisier; Mirjam de Klerk
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
Gupta, J.; Klostermann, J.E.M.; Bergsma, E.; Jong, P.; Albrecht, E.; Schmidt, M.; Mißler-Behr, M.; Spyra, S.P.N.
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
Mérove Gijsberts; Marcel Lubbers
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
Annet Tiessen-Raaphorst; Koen Breedveld
Sport is a popular pastime in the Netherlands; More than 10 million people take part in at least one sport. To do this, they can choose from more than 27,000 non-profit sports clubs, or more than 7,200 commercial providers such as fitness centres or riding stables. Among the most popular sports
Werff, H. van der; Hoekman, R.H.A.; Kalmthout, J. van; Breuer, C.; Hoekman, R.; Nagel, S.; Werff, H. van der
The Netherlands are a prosperous country. Compared to other countries wage differences and social inequality are low, and the standards for education, health, safety and security are high. Furthermore, with approximately 500 inhabitants per square kilometre it is dense populated. The culture of the
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
Mérove Gijsberts; Jaco Dagevos
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
The Problem There is hardly any information in English available on human resource development (HRD) education in the Netherlands, although the practice of HRD in this country is flourishing and HRD education is growing, especially within the private sector. Almost all relevant information is in
Kranenburg- de Lange, D.J.B.A.
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
Bensing, J.M.; Visser, S.; Saan, H.
This article presents the development of patient education (PE) in The Netherlands from a historical perspective. A description is given of the first pioneering years from the 70s till the late 80s, in which early topics like the organization of PE, the orchestration of PE between different
Kemmeren, Eric; Kuijer, Martin; Werner, Wouter
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
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.
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
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 ...
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...
In an effort to determine the environment to which the equipment designed by Sandia Corporation will be exposed, a "Data Bank" of environmental information was compiled. Measured quantities resulting from actual uses were continually being summarized.
Cannon, A.G.; Bendell, A.
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)
Bolster, Carole J
New technology is being used by banks to help providers improve their revenue cycle through: Digital lockbox service. Remote deposit. Web-based payment. Automated payment processing at the point of service.
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
Ravn Sørensen, Anders
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....
The nations discussed here (Italy, Spain, Portugal and Greece) have in common - with the exception of Italy, that is - that they used to be on the margins of European economic and social developments. Only Italy succeeded in industrialising itself already prior to World War I. This fundamental trait also determined the developmental path of modern-era banking. Hereby, two important points in the course of development of banking in the Southern European countries need to be emphasised. To begi...
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.
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.
... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Money lent at banking offices or at other than banking offices. 7.1003 Section 7.1003 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1003 Money lent at banking offices or at other than...
Dondin, F. J. Y.; Heap, M. J.; Robertson, R. E. A.; Dorville, J. F. M.; Carey, S.
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
Seibert, C.; Nathalie, F.; Beck, C.; Ratzov, G.; Cattaneo, A.; Moreno, E.; Morena, P.
The Lesser Antilles arc spreads over 800 km and results from the subduction of American plates below the Caribbean plate, at 2 cm/yr. The earthquake catalog begins in mid-17th century, with only two large reported historical earthquakes: the 1839 Mw8 Martinique and the 1843 Mw8.5 Guadeloupe earthquakes. These estimated magnitudes are however lower than the ones from other subduction areas and the origin of such earthquakes is poorly known and still a matter of debate. The detection of possible megathrust earthquakes and their time-distribution remain a challenge. This study is based on the identification and characterization of co-seismic-turbidites using an approach integrating geophysical data and marine sedimentary archives. A morpho-sedimentary analysis, based on bathymetric, backscatter and chirp data, acquired during the CASEIS cruise in 2016 (doi 10.17600/16001800) and during previous cruises allowed to constrain the sediment transport from the arc towards the forearc basins. We highlighted two distinct areas governed by different transfer modes on the two sides of the arc-perpendicular Désirade normal fault: the northern part, where sediments are transported through canyons on the 20°-steep slope, and the southern part, where all the islands are drained by channels developing on a gentle slope ( 2,5°) from the Quaternary reef platform. Both sides receive sediment from the accretionary prism. Sedimentary processes along the Lesser Antilles arc appear to be driven by both climatic and active tectonic forcings. The 26m-long CAS16-14PC core, was sampled on the Désirade basin which is connected to the shelf by numerous canyons, could contain a mixed sediment record. In addition to shipboard MSCL logging, layering, composition and texture, this core has been investigated through XRF profiles and laser microgranulometry, radiocarbon dating is in process. Preliminary integration of these data and 3,5 kHz seismic profiles suggest possible correlation of thick
Klingelschmidt, Justine; Parriault, Marie-Claire; Van Melle, Astrid; Basurko, Célia; Gontier, Barbara; Cabié, André; Hoen, Bruno; Sow, Marie-Thérèse; Nacher, Mathieu
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
Kerton, Robert / R
How big do banks need to be to gain all the economies of scale? The largest Canadian banks already achieve scale economies and further increases in size can make them "too big to fail." Available evidence indicates normal monopoly risks will be passed on to Canadian firms and consumers if the largest banks merge. Improved service will make Canada's banks world competitive. Despite the banks' enthusiasm for heft to enter the US market, policy measures exist to prevent mergers that are contr...
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.
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.
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.
Full Text Available The nations discussed here (Italy, Spain, Portugal and Greece have in common - with the exception of Italy, that is - that they used to be on the margins of European economic and social developments. Only Italy succeeded in industrialising itself already prior to World War I. This fundamental trait also determined the developmental path of modern-era banking. Hereby, two important points in the course of development of banking in the Southern European countries need to be emphasised. To begin with, if the lands of the North-Western Europe were large capital exporters, then the South European nations were the importers of this capital. The role of foreign capital, i.e., foreign banks, was great and irreplaceable in the development of banking. The second element in common was a large role of state in the economy in general. Under the circumstances of underdeveloped entrepreneurial environment, the state, through its economic activities, would become the driving force of overall economic and social development. This was also or especially the case with banking. Role played by the state only began to diminish towards the end of the 1980s, in the course of the processes of deregulation and liberalisation both at the international level as well as within the then European Economic Community or subsequent European Union. Already during the preparatory processes prior to the admission into the European Economic Community, Spain, Greece and Portugal, and, however, Italy as well, but due to European Directives it had to abide by, began comprehensive processes of restructuring their national banking systems. Since the second half of the 1980s, banking systems were subjected to liberalisation, deregulation and privatisation.
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.
Geertsema, W.; Sprangers, J.T.C.M.
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
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.
J. C. Audru
Full Text Available Martinique is a French island in the Lesser Antilles, with a high seismic hazard. In 2006, Martinican stakeholders involved in seismic safety formed the "Réplik" working group ("Aftershock" in French, the first of its kind in this region. This paper addresses a mid-term appraisal of the first seismic awareness campaign organised by Réplik from 2006 to 2011, and how it has modified, or not, local earthquake and tsunami preparedness. Despite efforts from Réplik to assess its efficiency through surveys, a growing gap is noted between the observed awareness and the actual preparedness of the public. As usual, gender, age, educational level, then boredom and saturation contribute to this discrepancy; strong cultural items may also influence the perception of actions. To remain efficient and respond to the public's expectations, Réplik must redirect its actions towards a cultural congruence of information: consideration of religion and local beliefs, comprehensive messages on TV and radio, use of the Creole language, participatory experiences and drills, and a little science. With this, the Réplik stakeholders can hope to increase Martinicans' involvement into the preparedness process, to cope quickly with a strong earthquake and this know-how can be shared with other seismically active islands in the Caribbean.
R. C. Cruz Gómez
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.
R. C. Cruz Gómez
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.
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
Van Gelder, J.W.; Kouwenhoven, D.
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')
Kurt Von Mettenheim
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.
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
de Coul, E L M Op; Warning, T D; Koedijk, F D H
High annual figures of sexually transmitted infections (STIs) are diagnosed in the Netherlands despite significant efforts to control them. Herein, we analyse trends and determinants of STI diagnoses, co-infections, and sexual risks among visitors of 26 STI clinics between 2007 and 2011. We recorded increased positivity rates of STIs (chlamydia, syphilis, gonorrhoea, and/or HIV) in women and heterosexual men up to 12.6% and 13.4%, respectively, in 2011, while rates in men having sex with men (MSM) were stable but high (18.8%) through the documented years. Younger age, origin from Surinam/Antilles, history of previous STI, multiple partners, or a previous notification are the identified risk factors for an STI in this population. Known HIV-infected men (MSM and heterosexuals) were at highest risk for co-infections (relative rate heterosexual men: 15.6; MSM: 11.6). STI positivity rates remained high (MSM) or increased over time (women and heterosexual men), a fact that highlights the importance of continuing STI prevention. Most importantly, the very high STI co-infection rates among HIV-positive men requires intensified STI reduction strategies to put an end to the vicious circle of re-infection and spread of HIV and other STIs.
Ebubeogu Amarachukwu Felix
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.
Eriksson, M.; Schuster, C.
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...
Larsen, Gunner Chr.; Hansen, K.S.
The main objective of IEA R&D Wind Annex XVII - Database on Wind Characteristics - is to provide wind energy planners and designers, as well as the international wind engineering community in general, with easy access to quality controlled measured windfield time series observed in a wide range...... of environments. The project partners are Sweden, Norway, U.S.A., The Netherlands, Japan and Denmark, with Denmark as the Operating Agent. The reporting of IEA R&D Annex XVII falls in three separate parts. Partone deals with the overall structure and philosophy behind the database, part two accounts in details...... for the available data in the established database bank and part three is the Users Manual describing the various ways to access and analyse the data. The present report constitutes the second part of the Annex XVII reporting. Basically, the database bank contains three categories of data, i.e. i) high sampled wind...
Booker, C.P.; Turner, M.R.; Spore, J.W.
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
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.
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 ...
Alexiou Constantinos; Sofoklis Voyazas
This paper investigates the effects of bank-specific and macroeconomic determinants of bank profitability, using an empirical framework that incorporates the traditional Structure-Conduct- Performance (SCP) hypothesis. A panel data approach has been adopted and effectively applied to six Greek banks. The evidence generated suggests that for any consistent or systematic size the profitability relationship is relatively weak. Most of the bank-specific determinants were found to significantly af...
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.
Dragan (Santamarian Oana Raluca
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 projectsâ€™ 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 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...
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 ...
However, the issue of armed robbery attack at the bank premises brings to the fore two issues which are of paramount interest to the banker, customer and the general public. The issues are: (a) is the family of a bank customer killed by armed robbers in the banking hall during a transaction entitled to compensation? (b) Is a ...
require advance mitigation. The Acequia Mitigation Bank in Idaho, for example, requires that mitigation must be complete and successful before...20. Georgia - Georgia Department of Transportation (single client DOT bank) 21. Idaho - Acequia (single client DOT bank) 22. Idaho - Mud Lake...21. Acequia Cassia County, ID ID Transportation Dept. (ITD) ITD ITD currently public - ITD 22. Mud Lake Wildlife Management Area
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
Kuada, John; Narteh, Bedman
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...
Lavinia Mihaela GUȚU
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.
Huston, Steven W.
Electronic load-bank circuit provides pulsed or continuous low-resistance load to imitate effect of short circuit on Ni/H2 or other electrochemical power cells. Includes safety/warning feature and taps for measurement of cell-output voltage and current.
Few organizations have as racially and culturally diverse a work force as the organizations that make up the World Bank Group. Of its 13,000 employees, nearly 60 percent of whom are located in downtown Washington, D.C., and the rest scattered across 160 offices around the globe, nearly every nation in the world is represented in the World Bank…
UBS, CERN branch
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...
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...
N. Gordon, Jeffery; 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...
Lavigne, Claire; Lesueur-Jannoyer, M.; de Lacroix, S.; Chauvet, G.; Lavigne, A.; Dufeal, D.
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 ...
Cok Vrooman; Stella Hoff
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
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
Meulenberg, M.T.G.; Viaene, J.
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
This publication contains an abridged version of The Social State of the Netherlands 2003 (De Sociale Staat van Nederland 2003), published by the Social and Cultural Planning Office of the Netherlands (SCP). It presents a description and analysis in broad outline of the life situation of the
Nijland, T.G.; Hees, R.P.J. van
Rhenish tuffs (Rmer, Weiberner / Hohenleie, Et-tringer / Hasenstoppler) from the volcanic Eifel re-gion, Germany, have widely been used as building stone in the Netherlands. In the present paper, an overview is given of their historic use in the Nether-lands, the experience with weathering, the
The recent crisis has promoted a rethinking of financial globalisation, a revision that has also partially interested some official circles. National supervisors have often reacted to the crises of cross-border banks by ring fencing local interests. Some proposals (e.g. the Vickers Report and the Fed’s subsidiarisation of US establishments of foreign banks) de facto imply a partial de-globalisation of both banks and their supervision. Orthodox regulators and large banks point, on the contrary...
Frederick S. Mishkin
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...
Edward Simpson Prescott
Auditing is introduced into a model of bank capital regulation. Deterministic and stochastic auditing strategies are studied. Contrary to intuition, auditing of bank risk should be focused on the safest banks because they hold the least amount of capital. Risky banks, which hold more capital, need to be audited less. The importance of auditing by regulators and penalties for non-compliance are discussed in light of the Basel II capital regulation proposals. Emphasis is placed on the importanc...
W. W. J. M. de Vet
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.
... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...
... Doc No: 2010-27868] 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... of a bank or bank holding company. The factors that are considered in acting on the notices are set...
... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...
... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...
...: 2012-31575] 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... bank or bank holding company. The factors that are considered in acting on the notices are set forth in...
... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank ] or bank holding company. The factors...
... No: 2012-1314] 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... bank or bank holding company. The factors that are considered in acting on the notices are set forth in...
... No: 2010-20809] 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... a bank or bank holding company. The factors that are considered in acting on the notices are set...
... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...
... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...
... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...
... Doc No: 2010-22050] 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... acquire a bank or bank holding company. The factors that are considered in acting on the notices are set...
Flynn, David T.
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…
Degryse, H.A.; Ongena, S.
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
The normal operations of commercial banks in Western economies do not conform to the religious requirements of the Islamic faith. In this article, Shabbir Dastgir explores the differences and outlines how the worldwide industry in Islamic\\ud banking has developed new banking practices.
Full Text Available This paper investigates the effects of bank-specific and macroeconomic determinants of bank profitability, using an empirical framework that incorporates the traditional Structure-Conduct- Performance (SCP hypothesis. A panel data approach has been adopted and effectively applied to six Greek banks. The evidence generated suggests that for any consistent or systematic size the profitability relationship is relatively weak. Most of the bank-specific determinants were found to significantly affect bank profitability. A more ambiguous picture emerged when the macroeconomic factors were considered.
A great deal of effort is still needed to improve road safety in Europe. Criteria were formulated which can be used to determine whether there is sufficient need for government intervention in traffic and road safety. Evaluation tools were developed to determine the optimum size of the total government budget for road safety policy and to find out how a given budget can be optimally employed in drawing up a package of measures. To apply a social cost-benefit analysis, information is needed to...
Monfort, Daniel; Reveillère, Arnaud; Lecacheux, Sophie; Muller, Héloise; Grisanti, Ludovic; Baills, Audrey; Bertil, Didier; Sedan, Olivier; Tinard, Pierre
The main objective of this work is to compare the potential direct economic losses between two different hazards in Guadeloupe (French Antilles), earthquakes and storm surges, for different return periods. In order to validate some hypotheses which are done concerning building typologies and their insured values a comparison between real economic loss data and estimated ones is done using a real event. In 2004 there was an earthquake in Guadeloupe, Mw 6.3, in a little archipelago in the south of Guadeloupe called Les Saintes. The heaviest intensities were VIII in the municipalities of Les Saintes and decreases from VII to IV in the other municipalities of Guadeloupe. The CCR, French Reinsurance Organism, has provided data about the total insured economic losses estimated per municipality (in a situation in 2011) and the insurance penetration ratio, it means, the ratio of insured exposed elements per municipality. Some other information about observed damaged structures is quite irregular all over the archipelago, being the only reliable one the observed macroseismic intensity per municipality (field survey done by BCSF). These data at Guadeloupe's scale has been compared with results coming from a retro damage scenario for this earthquake done with the vulnerability data from current buildings and their mean economic value of each building type and taking into account the local amplification effects on the earthquake propagation. In general the results are quite similar but with some significant differences. The results coming from scenario are quite correlated with the spatial attenuation from the earthquake intensity; the heaviest economic losses are concentrated within the municipalities exposed to a considerable and damageable intensity (VII to VIII). On the other side, CCR data show that heavy economic damages are not only located in the most impacted cities but also in the most important municipalities of the archipelago in terms of economic activity
Hirn, Alfred; Laigle, Mireille; Charvis, Philippe; Flueh, Ernst; Gallart, Josep; Kissling, Edi; Lebrun, Jean-Frederic; Nicolich, Rinaldo; Sachpazi, Maria
In order to increase the understanding of plate boundaries that show currently low seismic activity, as was the Sumatra-Andaman subduction before the major earthquake in 2004, a cluster of surveys and cruises has been carried out in 2007 and coordinated under the European Union THALES WAS RIGHT project on the Lesser Antilles subduction zone of the Carribean-America plate boundary. A segment of the corresponding transform boundary just tragically ruptured in the 2010 January 12, Haïti earthquake. This cluster is composed by the German cruise TRAIL with the vessel F/S M. A. MERIAN, the French cruise SISMANTILLES II with the IFREMER vessel N/O ATALANTE), and French cruise OBSANTILLES with the IRD vessel N/O ANTEA. During these cruises and surveys, 80 OBS, Ocean Bottom Seismometers, 64 of which with 3-components seismometers and hydrophones, and 20 OBH with hydrophones have been brought together from several pools (Geoazur Nice, INSU/IPGP Paris, IfM-GEOMAR Kiel, AWI Bremerhaven), with up to 30 land stations (CSIC Barcelona, IPG Paris, INSU-RLBM and -Lithoscope, ETH Zurich). The deployment of all these instruments has been supported principally in addition by ANR Catastrophes Telluriques et Tsunamis (SUBSISMANTI), by the EU SALVADOR Programme of IFM-GEOMAR, as well as by the EU project THALES WAS RIGHT. The main goal of this large seismic investigation effort is the understanding of the behaviour of the seismogenic zone and location of potential source regions of mega-thrust earthquakes. Specific goals are the mapping of the subduction interplate in the range where it may be seismogenic along the Lesser Antilles Arc from Antigua to Martinique Islands, as a contribution to identification and localisation in advance of main rupture zones of possible future major earthquakes, and to the search for transient signals of the activity. The forearc region, commonly considered as a proxy to the seismogenic portion of the subduction mega-thrust fault plane, and which is here the
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.
Angkinand, Apanard; Wihlborg, Clas
Predetermined, operational procedures for dealing with banks in distress are conspicuously absent across the world with very few exceptions. Instead governments and regulatory authorities intervene when banks approach failure. Bail-outs of important creditors, sometimes including shareholders......, and blanket guarantees for creditors become the norm. We argue that efficient incentives of banks' creditors, as well as of shareholders and managers, require predetermined rules for dealing with banks in distress, and a group of creditors that are credibly non-insured. Cross-border banking increases the need...... for pre-determined bank insolvency procedures that could enable banks to expand cross-border in branches. In the empirical part we show that credibility of non-insurance is maximized with a partial deposit insurance scheme, and that the coverage can be decreased if effective rule-based distress resolution...
Constantinescu, Robert; Robertson, Richard; Lindsay, Jan M.; Tonini, Roberto; Sandri, Laura; Rouwet, Dmitri; Smith, Patrick; Stewart, Roderick
We report on the first "real-time" application of the BET_UNREST (Bayesian Event Tree for Volcanic Unrest) probabilistic model, during a VUELCO Simulation Exercise carried out on the island of Dominica, Lesser Antilles, in May 2015. Dominica has a concentration of nine potentially active volcanic centers and frequent volcanic earthquake swarms at shallow depths, intense geothermal activity, and recent phreatic explosions (1997) indicate the region is still active. The exercise scenario was developed in secret by a team of scientists from The University of the West Indies (Trinidad and Tobago) and University of Auckland (New Zealand). The simulated unrest activity was provided to the exercise's Scientific Team in three "phases" through exercise injects comprising processed monitoring data. We applied the newly created BET_UNREST model through its software implementation PyBetUnrest, to estimate the probabilities of having (i) unrest of (ii) magmatic, hydrothermal or tectonic origin, which may or may not lead to (iii) an eruption. The probabilities obtained for each simulated phase raised controversy and intense deliberations among the members of the Scientific Team. The results were often considered to be "too high" and were not included in any of the reports presented to ODM (Office for Disaster Management) revealing interesting crisis communication challenges. We concluded that the PyBetUnrest application itself was successful and brought the tool one step closer to a full implementation. However, as with any newly proposed method, it needs more testing, and in order to be able to use it in the future, we make a series of recommendations for future applications.
Gailler, Lydie; Arcay, Diane; Münch, Philippe; Martelet, Guillaume; Thinon, Isabelle; Lebrun, Jean-Frédéric
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.
Gaschnig, Richard M.; Reinhard, Christopher T.; Planavsky, Noah J.; Wang, Xiangli; Asael, Dan; Chauvel, Catherine
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.
Granja Bruña, J. L.; Carbó-Gorosabel, A.; Llanes Estrada, P.; Muñoz-Martín, A.; ten Brink, U. S.; Gómez Ballesteros, M.; Druet, M.; Pazos, A.
Oblique convergence between the Caribbean plate's interior and the inactive Greater Antilles island arc has resulted in the collision and impingement of the thickened crust of the Beata ridge into southern Hispaniola Island. Deformation resulting from this convergence changes from a low-angle southward-verging thrust south of eastern Hispaniola, to collision and uplift in south-central Hispaniola, and to left-lateral transpression along the Southern peninsula of Haiti in western Hispaniola. Using new swath bathymetry and a dense seismic reflection grid, we mapped the morphological, structural and sedimentological elements of offshore southern Hispaniola. We have identified four morphotectonic provinces: the Dominican sub-basin, the Muertos margin, the Beata ridge and the Haiti sub-basin. The lower slope of the Muertos margin is occupied by the active Muertos thrust belt, which includes several active out-of-sequence thrust faults that, were they to rupture along their entire length, could generate large-magnitude earthquakes. The interaction of the thrust belt with the Beata ridge yields a huge recess and the imbricate system disappears. The upper slope of the Muertos margin shows thick slope deposits where the extensional tectonics and slumping processes predominate. The northern Beata ridge consists of an asymmetrically uplifted and faulted block of oceanic crust. Our results suggest that the shallower structure and morphology of the northern Beata ridge can be mainly explained by a mechanism of extensional unloading from the Upper Cretaceous onward that is still active residually along the summit of the ridge. The tectonic models for the northern Beata ridge involving active reverse strike-slip faults and transpression caused by the oblique convergence between the Beata ridge and the island arc are not supported by the structural interpretation. The eastern Bahoruco slope an old normal fault that acts as a passive tear fault accommodating the sharp along
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
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.
... Federal Home Loan Bank, or in the National Credit Union Administration Central Liquidity Facility if the... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Bankers' banks. 204.121 Section 204.121 Banks... REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D) Interpretations § 204.121 Bankers' banks. (a)(1) The...
Peterson Kitakogelu Ozili
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
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...
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
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...
Benson, D; Lipman, D J; Ostell, J
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 ...
Danezis, G.; Meiklejohn, S.
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...
Haiden, Nadja; Ziegler, Ekhard E
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.
Kit Fai Wong
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.
Wong, Kit Fai
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. PMID:21383930
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
van Houwelingen, Cornelis A J; Kerkhof, Ad J F M; Beersma, Domien G M
Little is known about train suicide and factors influencing its prevalence. This study tests the hypotheses that railway density, railway transportation volume, familiarity with railway transportation and population density contribute to train suicide. It also tests the relationship between train suicide and general population suicide and examines the prevalence and the characteristics of high-risk locations and their contribution to the grand total of train suicides. Trends in train suicides were compared with trends in railway track length, train kilometres, passenger kilometres and national suicide figures over the period 1950-2007. The geographical distribution over the national network over the period 1980-2007 was studied. Data were obtained from The Netherlands Railways, Prorail and Statistics Netherlands. 1. The incidence of train suicides is unrelated to railway parameters. 2. Being familiar with railway transportation as a passenger is not a contributory factor. 3. Train suicide rates are unrelated to regional population density. 4. The incidence of train suicides parallels that of general population suicides. 5. Half of the train suicides took place at a limited number of locations, the most important of which were situated within a village or town and were close to a psychiatric hospital. Most conclusions are based on correlational relationships between variables. 1. Train suicide trends reflect trends in general population suicides. 2. Increased train transportation does not lead to more train suicides. 3. The prevention of train suicide at high-risk locations (HRLs) in built-up areas and near psychiatric hospitals deserves first priority. Copyright © 2010 Elsevier B.V. All rights reserved.
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.
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
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.
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.
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.
Aznar Lucea, Justo
The creation of umbilical cord blood (UCB) banks raises interesting medical, social, economic and ethical issues. This paper reviews the ethical problems specifically. In this respect, it evaluates: a) whether there are advantages to the use of UCB compared to bone marrow, b) whether or not it is ethical to create UCB banks, c) whether their creation is ethically acceptable in terms of their clinical usefulness or d) the use made of them for therapeutic purposes, and finally e) whether their creation is ethically justified from a cost/profitability point of view. We focus primarily on evaluating the ethical controversy between public and private banks, particularly on whether it is ethical to bank autologous blood in private UCB banks, on the basis of its limited possibilities for use by the cord blood donor. We can conclude that, from an ethical point of view, autologous blood banks have limited acceptance among specialised researchers, scientific societies and other public institutions. Therefore, we believe that it is ethically more acceptable to support the creation of public UCB banks for medical and social reasons and, above all, based on the principle of justice and human solidarity. Nevertheless, there is no definitive ethical argument why a couple, according to their autonomy and freedom, cannot bank their child's UCB in a private bank. An equally acceptable solution could be the creation of mixed banks, such as that proposed by the Virgin Health Bank or like the Spanish system where autologous samples can be stored in public banks but with the proviso that if at any time the stored sample is required by any person other than the donor, it would have to be given to them.
Khan, Haider A.
The Asian Development Bank(ADB) was founded in the mid-sixties. In addition to the Asian countries, it also has members from among the wealthy countries in North America, Europe and Oceania. Over the years, ADB has grown in size and prestige among the regional development banks. As Khan (2004, 2007 and 2012) argues, within a hybrid workable global financial architecture, regional development banks like the ADB can play a constructive role.
Madzova, Violeta; Davcev, Ljupco
Banking is an information based industry and banks develop relationships with and obtain information on their customers. Following them abroad, therefore, is a motivating factor for banks to continue providing banking services. Liberalization, international trade agreements and reduced trade barriers and more open markets have allowed banks to expand internationally. The range of services that a bank offers results from the strategy and is influenced from the sources of the bank. Intern...
N. Gordon, Jeffery; Ringe, Georg
The Greek Crisis is a crisis rather than a problem due to the vulnerability of Greek banks. While the banks have deep problems, this column argues that these would have been mitigated if a fully operational banking union were in place. A full banking union requires joint banking supervision, joint...... bank resolution, and joint deposit insurance. The EZ only has the first so far. Completing the banking union must be part of any long-term solution....
Mohammed, Shariq; Sha, Nadia; Uddin, Mohammed Ahmar
This paper discusses about the inception of Islamic Banking in Oman. This paper would discuss the Islamic Banking Regulatory Framework (IBRF) under which the Islamic banking system is operating. The two full fledged banks which are working in Oman are Alizz Islamic Bank, Bank Nizwa and there are 6 Islamic windows which are working in Oman. The study would be related to the factors which influence the customers’ attraction towards Islamic Banking in Oman.
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...
This paper measures individual bank's impact on banking systemic risk and examines the effect of individual bank's capital buffer and leverage to bank's systemic risk impact in Indonesia during 2010-2014. Using Merton's distance-to-default to measure systemic risk, the study shows a significant negative relationship between bank's capital buffer and systemic risk. High capital buffer tends to lowering bank's impact on systemic risk. Bank's leverage level also influences its contribution to sy...
Tervaert, Jan Willem Cohen; Kallenberg, Cees G. M.
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
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.)
Goudriaan, Anna E.
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
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
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.
Meulenberg, M.T.G.; Viaene, J.
Agriculture in Belgium and the Netherlands has a strong export tradition and has been market oriented for a long time. In this article agricultural markeling in Belgium and the Netherlands is analyzed on the basis of the concepts structure, conduct and performance. In our review of market structure attention is paid to the structure of agriculture, the food consumer, food retailing, government policies, competition and marketing channels. Afterwards market conduct with respect to product, pri...
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.
Tollan, P. M. E.; Bindeman, I.; Blundy, J. D.
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
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.
Oleh Mozhovyi; Olena Pavliuk
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 ...
García-Palacios, Jaime H.; Hasman, Augusto; Samartín, Margarita
Intervention has taken different forms in different countries and periods of time. Moreover, recent episodes showed that in front of an imminent crisis, the promise of no interventions made by governments is barely credible. In this paper we address the problem of resolving banking crises from the government perspective, taking into account the fact that preventing banking crises is crucial for the government. In addition, we introduce the moral hazard problem, inherent in the banking system,...
A.M. Karminskiy; O.R. Zhdanova
The current stage of the global banking system development takes place in an increasingly competitive environment and unstable financial markets. One of the key factors of bank's successful development is a policy of continuous innovative behavior. Nowadays innovation is a key factor of bankingnstability, competitiveness and sustainable growth.The aim of the article. The main goal of this article is to examine key trends of banking innovations and innovative in Russia. Experience in the devel...
Stentella Lopes, F.S.
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...
Olga Sergeevna Miroshnichenko
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
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...
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)
Bacigalupo, J.; Guillen, G.; Gerez, J.
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
Poli, F.; Facchiano, F.
The Italian Bio bank is hosted at 'Ospedale Maggiore. Policlinico' of Milan. This structure occupies an area of 300 sq meters and includes laboratories and a cryogenic area. This facility has been built a in compliance with the standards defined by the Foundation for Accreditation of Cellular Therapy (FACT) mostly related to adequacy of spaces, equipment and governmental and institutional policies for bio safety. The Cryogenic area follows written procedures in the event of an ambient disaster and for safety personnel and of the samples stored
The ENZYME data bank is a repository of information relative to the nomenclature of enzymes. It is primarily based on the recommendations of the Nomenclature Committee of the International Union of Biochemistry and Molecular Biology (IUBMB) and it contains the following data for each type of characterized enzyme for which an EC (Enzyme Commission) number has been provided: EC number Recommended name Alternative names (if any) Catalytic activity Cofactors (if any) Pointers to the SWISS-PROT protein sequence entrie(s) that correspond to the enzyme (if any) Pointers to human disease(s) associated with a deficiency of the enzyme (if any).
Andreasen, Niels; Bjerregaard, Mads; Lund, Jonas; Olsen, Ove Bitsch; Rasmussen, Andreas Dalgas
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...
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.
Li, Shujun; Shah, Syed Amier Haider; Khan, Muhammad Asad Usman; Khayam, Syed Ali; Sadeghi, Ahmad-Reza; Schmitz, Roland
Many financial institutions have deployed CAPTCHAs to protect their services (e.g., e-banking) from automated attacks. In addition to CAPTCHAs for login, CAPTCHAs are also used to prevent malicious manipulation of e-banking transactions by automated Man-in-the-Middle (MitM) attackers. Despite serious financial risks, security of e-banking CAPTCHAs is largely unexplored. In this paper, we report the first comprehensive study on e-banking CAPTCHAs deployed around the world. A new set of image p...
Elvis A. Adjei
Full Text Available Economic liberalisation is characterised by the entry of foreign companies and the emergence of new domestic institutions to compete with the existing institutions of lending, and there is a view that the process leads to greater efficiency, especially because foreign banks bring new expertise. Extracting information from accounts lodged with Ghana Central Bank, this paper ranks the cost efficiency of banks, Theil decomposition of the cost efficiency scores allows for a comparison of performance between banks under different types of ownership. There is pronounced differences in efficiency scores within and between groups by type of ownership, but foreign ownership, per se, is not the determining factor.
Arnoldussen, Stijn; Linden, Marjolein van der
Celtic fields are the best preserved and most widely distributed type of prehistoric agricultural landscape in the Netherlands, and occur throughout northwestern Europe. In this contribution, data from two excavated Dutch Celtic fields are used to explain the process of bank formation and to unravel
Ohene-Asare, Kwaku; Asmild, Mette
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...
recommendations targeting at reducing fraud and forgeries in the Nigerian banking industry. Key Words: Fraud, Bank Failure, Forgeries and Embezzlement. Introduction. Banks and non-bank financial institutions jointly constituting the financial industry of any economy however, the banking system comprises the major.
Sven Christian Berger; Sonja Gensler
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.
Ohene-Asare, Kwaku; Asmild, Mette
This paper expands the banking efficiency literature by developing a banking intermediation model that captures both profit-maximizing and Corporate Social Responsibilities (CSR) of banks. Using a data set of 21 banks for each year 2006-2008, we evaluate the relative efficiency of Ghanaian banks...... that are socially responsible may have economic advantages....
De Haas, Ralph; van Horen, Neeltje; Beck, Thorsten; Casu, Barbara
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
P. Hüttl (Pia); D. Schoenmaker (Dirk)
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
... 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...
Eindhoven, the Netherlands was one of the locations were Plasma Medicine originated: Eva Stoffels was one of the founders of the field. Since then, the attention for the field steadily increased. Nowadays, strong collaborations exist between the Eindhoven University of Technology (TU/e) and the Red Cross Burn Wound Hospital in Beverwijk, the Amsterdam Medical Center, the Maxima Medical Center in Eindhoven, the Radboud University in Nijmegen, the Free University in Amsterdam, and also companies, both large industries (Philips) and SME's (Vabrema, Lavoisier, Plastech). At TU/e we focus on the plasma itself: developing real time non-invasive diagnostics like TALIF, LIF, IF absorption, Thomson, Rayleigh and Raman scattering, mass spectroscopy, etc, while at the same time developing numerical models on the MD2D platform. For the biology, microbiology and medical aspects we rely on our colleagues who have specialized in those areas. Lesions that are studied are burn wounds, permanent inflammations, diabetic feet, skin infections, and internal diseases like Crohn's disease.
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?
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),…
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 ...
Schoenmaker, D.; van Laecke, C.
: Banks have expanded their foreign activities due to deregulation and advances in technology. Using a new approach, we measure the level of internationalization of the world's largest commercial banks. The degree of internationalization is found to be uneven across the three main continents.
We use an early episode of negotiations between Switzerland and the European Union to investigate the value of banking secrecy for four Swiss banks: two universal banks and two private banks. We nd that the value of banking secrecy to private banks is large, accounting for at least 8 to 14% of their market value. Perhaps surprisingly, banking secrecy appears to account for only a very small fraction of the market value of the universal banks.
... 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 bank holding company. The factors that are...
Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi
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...
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
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.
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
H.J. de Vries (Henk); G.W.J. Hendrikse (George)
textabstractThe banks in the Dutch chipcard market initially agreed on one chipcard system. One system is attractive for companies as well as consumers. Companies, banks and retailers, prevent costs of duplication, while consumers enjoy the benefits of a widespread acceptance of one card and do not
Sprott, J.C.; Lovell, T.W.
Large capacitor banks, as used in many pulsed plasma experiments, are subject to catastrophic failure in the event of a short in the output or in an individual capacitor. Methods are described for protecting such banks to minimize the damage and down-time caused by such a failure
In response to the 2007-08 financial crisis, the Basel Committee on Banking Supervision proposed two liquidity standards to reinforce banks’ resilience to liquidity risks. The purpose of this thesis is to analyze the impact of liquidity regulation on bank behavior. The first of four main chapters
Full Text Available Banks are the most important tool for preparing and supplying money in each country. In recent years, by institution of the new private banks and privatization of the governmental banks, banking competition has become very complex. This paper performs an empirical investigation to study the effects of different factors on return on assets and return on equities on 18 selected Iranian firms over the period 2002-2011. Using different regression models, the study studies the effects of total assets, debt ratio, etc. on return of assets (ROA and return on equities (ROE on selected eighteen Iranian banks as statistical community. The study considers total assets, ownership ratio, deposits to assets ratio, and loans to assets ratio as independent variables, and ROE and ROA as dependent variables. The results indicate that the private banks returns were better than governmental banks and the commercial banks’ returns were better than special banks. There is a reverse relationship between logarithm of total assets and ownership ratio with profitability based on return of assets.
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...
Stentella Lopes, F.S.
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’
Morales Arenas, Diana
This dissertation consists of three essays on empirical banking. They explore the bank lending granted to businesses. Chapter 1 explores the effect of less stringent collateral requirements on small firms’ employment growth. Not having to pledge collateral seems to have an effect on the growth
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
Pais, A.; Stork, P.A.
The global financial crisis that started in mid-2007 illustrates the relevance of systemic risk. One key driver of the systemic instability that materialised in the crisis was the elevated level of stress in large banks. We use EVT to analyse the effect of size on banks' univariate and systemic risk
Mousa T AL-Akhras
Full Text Available Due to the widespread use of computer technologies in almost all aspects of life, organisations that are connected to the Internet started extending their services to their customers to include new applications and services that satisfy their customers’ desires to make better businesses. One of these emerging applications is mobile banking. The term mobile banking (or m-banking describes the banking services that the user can perform via a mobile device ubiquitously at anytime and from anywhere. In order for users to access their accounts, they need a mobile device and network connectivity. Therefore, sitting in front of a computer is not a requirement anymore; accessing accounts can occur while users are waiting their turn at the dentist clinic or relaxing at the beach! This paper explores the opportunities of using mobile technology in the electronic banking (e-banking sector to enhance existing banking services by moving toward m-banking using mobile devices and wireless media that can provide opportunities for ubiquitous access to the banking services as mobile technologies can be used at anytime and from anywhere. The technical problems encountered while using the mobile devices presents some technical difficulties and challenges for the m-banking. In this paper we introduce a mobile system that demonstrates the flexibility gained out of this technology and covers the major aspects of such kind of applications. The proposed system covers two parts: the customer services (user interface and the security aspects. In the user interface part, banking facility is provided to the user through the mobile device to implement banking transactions. The model provides customers with the services: billing payments, transferring of funds, viewing of customer’s accounts and transactions, allowing the user to change his/her password and request a cheque book. The application takes into consideration security aspects, it satisfies the following
Desutter-Grandcolas, Laure; Hugel, Sylvain
The occurrence of Nemobiinae crickets (Grylloidea, Trigonidiidae) in the Lesser Antilles is attested here for the first time, by the descriptions of three new species of Absonemobius Desutter-Grandcolas, 1993 from Guadeloupe, St. Lucia and St. Vincent: Absonemobius septentrion n. sp., Absonemobius lucensis n. sp. and Absonemobius vincenti n. sp., and the discovery of Hygronemobius Hebard, 1913 in Guadeloupe. The generic attribution of several nemobiine species described from the Caribbean and from Southern Central America are also reviewed: Nemobius elegans Otte, 2006 from Costa Rica and Pteronemobius sanaco Otte & Perez-Gelabert, 2009 described from Belize are transferred to Hygronemobius; Hygronemobius darienicus Hebard, 1913 described from Panama is transferred to Absonemobius Desutter-Grandcolas, 1993; Hygronemobius epia Otte & Perez-Gelabert, 2009 does not belong to Hygronemobius, but is temporarily kept in this genus as incertae sedis.
Doraiswamy, Arvind; Kapoor, Nilesh
Security Testing Handbook for Banking Applications is a specialised guide to testing a wide range of banking applications. The book is intended as a companion to security professionals, software developers and QA professionals who work with banking applications.
Magos-López, C; Sánchez-Villarreal, F; Gutiérrez, G; Tapia-Conyer, R
A National Serum Bank was established to store sera obtained during the National Seroepidemiological Survey performed in Mexico in 1987. More than 70,000 serum samples were obtained from subjects of either sex 1-99 years of age in each of the 32 states of the country. The current collection of sera includes 28,704 male samples and 40,629 female samples. This paper describes the procedures for handling serum samples, including reception registry, storage and distribution to several laboratories for detection of measles, rubella, poliomyelitis, AIDS, diphtheria, pertussis, tetanus, brucella, salmonella, amoeba, toxoplasma, American trypanosomiasis and cysticercus. Determinations of total cholesterol were also made in order to describe its distribution and to identify the prevalence of hypercholesterolemia.
Full Text Available The recent crisis has promoted a rethinking of financial globalisation, a revision that has also partially interested some official circles. National supervisors have often reacted to the crises of cross-border banks by ring fencing local interests. Some proposals (e.g. the Vickers Report and the Fed’s subsidiarisation of US establishments of foreign banks de facto imply a partial de-globalisation of both banks and their supervision. Orthodox regulators and large banks point, on the contrary, to deepen globalisation by means of more homogeneous international standards for prudential regulation and bank resolution. After all, that was the original message of the G20. The champions of globalisation argue that the new rules on prudential regulation and bank resolution will make bank crises less frequent and serious, while shielding public finances if they occur. Much of the current debate focuses on whether the new rules, especially for bank capitalisation, are strict enough to deliver financial stability. The present paper objects to focusing regulation and supervision solely on stability, to linking stability only to prudential rules and to enhancing the international harmonisation of those rules. The criticism, based on a simple exercise, looks at the structural heterogeneities that characterise both the banking systems and the growth trajectories of some developed economies. Homogenous rules, if effective, would produce inflationary or deflationary strains. If banks must serve economic growth, regulation should found financial stability mainly on structural measures, and supervision should be transformed into one of the policy tools flexibly looking after local conditions.
BUCUR Luiza Emanuela
Online banking is the newest and least understood delivery channel for retail banking services. This article show how customers perceive Online Banking Services. Focuses on the issues associated with internet banking service quality. For customer service quality, focus is on access, credibility, communication, understanding the costumer and collaboration. For online banking services focus is on: ease of use, accuracy, timelines, aesthetics and security. For banking service product quality foc...
Zubair, Muhammad Kamal
This paper aims to show the growth of Islamic banking industry in Indonesia. In this time, fast growth of Islamic banking industry progressively is office network side as consequence of improvement of requirement of society and enthusiasm of bank to provide service. Bank of Indonesia estimate in the this year 2008, Islamic banking industry will enjoy high growth to be compared to national banking in general. This prediction based on the finishing Law of Islamic Securities (SBSN) and Law of Is...
Full Text Available This paper analyses the inter-temporal competition – stability nexus after the global financial crises. For this reason, the empirical estimation approach follows a five – step procedure. First, we utilise quarterly macroeconomic and balance sheet and income statement data for 16 banks operating in the Albanian banking sector over the period 2008 – 2015. Second, we calculate a new composite index as a measure of bank stability conditions, which includes a wide set of information rather than focusing only on one aspect of risk. Then, we construct a proxy for bank competition such as the Boone indicator. Empirical estimations are based on the General Method of Moments approach. A set of robustness checks include also the use of other alternative proxy of competition such as the Lerner index and the efficientadjusted Lerner index, profit elasticity and the Herfindahl index. Empirical results strongly support the “competition – stability” view after the global financial crises - that higher degree of competition boosts further bank stability conditions. Results further indicate that greater concentration has also a negative impact on bank stability. Results imply also that bank stability is positively linked with macroeconomic conditions and capital ratio and inverse with operational efficiency. Finally, we do not find a non-linear relationship between competition and stability.
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.
Full Text Available During the GWADASEIS cruise (Lesser Antilles volcanic arc, February–March 2009 a very high resolution (VHR seismic-reflection survey was performed in order to constrain Late Quaternary to Present faulting. The profiles we obtained evidence frequent "ponding" of reworked sediments in the deepest areas, similar to the deposition of Mediterranean "homogenites". These bodies are acoustically transparent (few ms t.w.t. thick and are often deposited on the hanging walls of dominantly normal faults, at the base of scarps. Their thickness appears sufficient to compensate (i.e. bury co-seismic scarps between successive earthquakes, resulting in a flat and horizontal sea floor through time. In a selected area (offshore Montserrat and Nevis islands, piston coring (4 to 7 m long was dedicated to a sedimentological analysis of the most recent of these particular layers. It corresponds to non-stratified homogenous calcareous silty sand (reworked calcareous plankton and minor volcanoclastics. This layer can be up to 2 m thick, and overlies fine-grained hemipelagites. The upper centimeters of the latter represent the normal RedOx water/sediment interface. 210Pb and 137Cs activities lack in the massive sands, while a normal profile of unsupported 210Pb decrease is observed in the hemipelagite below, together with a 137Cs peak corresponding to the Atmospheric Nuclear Experiments (1962. The RedOx level was thus capped by a recent instantaneous major sedimentary event considered as post-1970 AD; candidate seismic events to explain this sedimentary deposits are either the 16 March 1985 earthquake or the 8 October 1974 one (Mw = 6.3 and Mw = 7.4, respectively. This leads to consider that the syntectonic sedimentation in this area is not continuous but results from accumulation of thick homogenites deposited after the earthquakes (as observed in the following weeks after Haiti January
Assendelft, W. J.J.; Pfeifle, C. E.; Bouter, L. M.
Background: In the Netherlands, there is increasing public and political interest in chiropractic treatment. There is, however, very little descriptive information available in the Netherlands on the chiropractic profession. Therefore, a survey was conducted among all Dutch chiropractors. Methods: A
Full Text Available he corporations gain a power of influence, unthinkable years ago; they have acquired more and more rights and, in some way, govern the life of billions of peoples and of the earth in general. With every right, comes though the responsibility of the conservation and development of the environment in which the corporations act. The banking system has a major role to play in the evolution of the international framework, given its position on the economic stage. Some important banking groups realized this fact and made important steps in the area. The case study of the Holland banking group ABN AMRO proves the complexity of the introduction of sustainable development in the core of the financial business. The implementation is neither easy nor cheap. It implies essential changes in the bank management, in the way to determine the financial policies, in how to choose the clients, the employees, the suppliers etc. Led in an efficient way, sustainable banking implies innovation, creativity and, implicitly, new gains, through creating new products and opening new markets. The international banking community proved, through leading examples (ABN AMRO Bank, HSBC Group, Rabobank Group, JP Morgan Chase, Citigroup etc. that it understands the importance, the necessity and also the viability of the sustainable development.
Larsen, Gunner Chr.; Hansen, Kurt Schaldemose
The main objective of IEA R&D Wind Annex XVII - Database on Wind Characteristics - has been to provide wind energy planners, designers and researchers, as well as the international wind engineering community in general, with a source of actual wind fielddata (time series and resource data) observed...... in a wide range of different wind climates and terrain types. Connected to an extension of the initial Annex period, the scope for the continuation was widened to include also support to the international windturbine standardisation efforts.. The project partners are Sweden, Norway, U.S.A., The Netherlands...... and Denmark, with Denmark as the Operating Agent. The reporting of the continuation of Annex XVII falls in two separate parts. Part one accounts in detailsfor the available data in the established database bank, and part two describes various data analyses performed with the overall purpose of improving...
Full Text Available One of the many great things about living in the Netherlands is the excellent standard of Dutch healthcare, rated as the best in Europe. The Netherlands tops the list of 34 nations in the 2012 Euro Health Consumer Index (the ‘industry standard’ of modern healthcare and spends 11.9 percent of GDP on health, being the second only after the United States. Plus, almost all the doctors speak excellent English, making healthcare in the Netherlands very accessible to expats. The purpose of the research is to investigate the health sector in the Netherlands and to connect it to the European systems and global requirements. Methods. Conducted research was focused on analysis, comparison, deduction or induction methods. Medicine in the Netherlands is taught differently than in Europe, both in terms of the approach to the subject and timeline to qualification. A visitor to the Netherlands faces no special health risks, as the overall health conditions are excellent. No special inoculations are required. Any necessary immunization is available locally. Although Dutch law is strict about commercial processing, cooking, handling, and serving of foods, consumers are advised to show caution when using eggs and preparing poultry, as salmonella bacteria has been found in these products. Tap water is of excellent quality and safe to drink. Dutch medical care is of high quality and is comparable to the medical care one finds throughout Western Europe. Diagnostic laboratories and specialists in all fields of medicine are available. Hospitals are well-equipped, and maternity hospitals and many clinics are available. Most doctors and dentists speak English. Most medicines are available locally. They may not, however, be the same brand names as those used in the United States and prices are generally higher. Tourists should bring a supply of the medicine that they know they will need whilst abroad and provide proper documentation.
Balde, K.; Boelens, A.; Brinksma, E.; Edens, B.; Hiethaar, S.; Klein, P.; Schenau, S.
In 2009 the Ministerial Council Meeting of the Organisation for Economic Co-operation and Development (OECD) committed itself to a green growth strategy. Such a strategy fosters economic growth and development while ensuring that natural resources can continue to provide the ecosystem services on which our well-being relies. It also endorses investment, competition and innovation which will underpin sustained growth and give rise to new economic opportunities. Green growth provides both a policy strategy for implementing this economic transformation and a monitoring framework with a proposed set of indicators. This report presents an overview of the state of green growth in the Netherlands. It should be regarded as a benchmark for a more thorough and comprehensive assessment of green growth in the future. It is based on the set of indicators proposed by the OECD in their intermediate report of February 2011. Data relevant to the Dutch situation are presented for twenty of these indicators, illustrating the observed trends. The indicators are grouped in four themes. For the first theme, environmental efficiency of production, on the whole the indicators show increased efficiency. However, indicators such as greenhouse gas intensity, energy efficiency and material intensity show only relative decoupling, which on its own is not enough to ensure green growth. In addition, the increase in environmental efficiency is partly explained by substitution of imports for domestic production, which is not conducive to green growth on a global scale: the efficiency gains in domestic production, for example, are offset by increases in foreign greenhouse gas emissions. Water use and agricultural nutrient surpluses are the only indicators where absolute decoupling has occurred. The second theme contains indicators regarding the natural assets base. This group of indicators provides a mixed picture. Natural gas reserves are decreasing and the overall level of threat to animal
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowings from commercial banks. 615.5030... commercial banks. (a) Each System bank board, by resolution, shall authorize all commercial bank borrowings by that System bank. (b) The Financial Assistance Corporation may borrow from commercial banks with...
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Bank. 619.9145 Section 619.9145 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9145 Farm Credit Bank. The term Farm Credit Bank refers to a bank resulting from the mandatory merger of the Federal land...
This paper investigates organizational support for workers' recuperation in Nigerian Banks. The study was conducted in Ilorin, the capital city of Kwara State, Nigeria. Eight commercial banks namely, United Bank for Africa, First Bank of Nigeria, Diamond Bank, Fidelity Bank, Wema Bank, First City Monument Bank and Union ...
Dietrich, J. Kimball; Wihlborg, Clas
We investigate the effect of changes in capital regulation on the strictness(leniency) of loan terms using a simple model of bank capital requirements andasset quality examinations. Banks offer different levels of `leniency' in the senseof willingness to offer automatic extensions of loans...... rates. As capital requirements increase thedifference between initial capital levels and between interest rates of strict andlenient banks decrease. Thus, higher capital requirements in recessions tend toreduce the interest rate premium paid for leniency. If a recession is interpreted asan increase...... in the required return, the interest rate premium paid for leniency isincreased in recession at a given level of required capital....
Johannesen, Niels; Zucman, Gabriel
During the financial crisis, G20 countries compelled tax havens to sign bilateral treaties providing for exchange of bank information. Policymakers have celebrated this global initiative as the end of bank secrecy. Exploiting a unique panel dataset, our study is the first attempt to assess how...... the treaties affected bank deposits in tax havens. Rather than repatriating funds, our results suggest that tax evaders shifted deposits to havens not covered by a treaty with their home country. The crackdown thus caused a relocation of deposits at the benefit of the least compliant havens. We discuss...
Insolvency is one of the most often used actions in the economic intern environment. This can be used by companies as a tool for obtaining the restructuring of bank loans or to provide shelter to enforcement. For banks, that means serious problems because they are forced to fully provisioned credit granted to companies that enter into insolvency, even if the rates are paid to date or with small delays, any guaranties was held. In this situation, for banks in Romania, the perception of risk is...
This research aims at exploring organizational culture in state owned enterprises; Bank Mandiri and Bank BRI, and its contribution to financial performance, before and after restructuring/initial public offering (IPO). The research used qualitative approach with case study method that used coupled with exploratory and descriptive design, supported by successive approximation of technical data analysis. Eight propositions were raised from the findings regarding: (1) integration human resources...
The advent of electronic banking offers banking firms a new frontier of opportunities and challenges. This study investigates how social factors, awareness, consumer perceptions and attitudes towards electronic banking influence the adoption of electronic banking in Zimbabwe. In Zimbabwe little is known and understood about the emergence of electronic banking, this is because electronic banking is new, and so consumer acceptance and use of electronic banking is still limited. This study has r...
... 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... 23261-4528: 1. U.S. Immigration Investment Center, LLC, Washington, DC, and its managing director...
... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the... L. Lowe, Danville, California; and Christopher A. Masto, San Francisco, California; as the managing...
Larsen, G.C.; Hansen, K.S.
The main objective of IEA R and D Wind Annex XVII - Database on Wind Characteristics - has been to provide wind energy planners, designers and researchers, as well as the international wind engineering community in general, with a source of actual wind field data (time series and resource data) observed in a wide range of different wind climates and terrain types. Connected to an extension of the initial Annex period, the scope for the continuation was widened to include also support to the international wind turbine standardisation efforts.. The project partners are Sweden, Norway, U.S.A., The Netherlands and Denmark, with Denmark as the Operating Agent. The reporting of the continuation of Annex XVII falls in two separate parts. Part one accounts in details for the available data in the established database bank, and part two describes various data analyses performed with the overall purpose of improving the design load cases with relevance for to wind turbine structures. The present report constitutes the second part of the Annex XVII reporting. Both fatigue and extreme load aspects are dealt with, however, with the main emphasis on the latter. The work has been supported by The Ministry of Environment and Energy, Danish Energy Agency, The Netherlands Agency for Energy and the Environment (NOVEM), The Norwegian Water Resources and Energy Administration (NVE), The Swedish National Energy Administration (STEM) and The Government of the United States of America. (au)
Yaser Taufik Syamlan
Full Text Available Objectives – this research is aimed to compare those epistemological bases to the mindset of Islamic Bank and try to drive the philosophy in practical operation whether based on the Fractional Reserve Banking Sytem (RBS or 100% RBS and analyze the challenges in deploying the 100%RBS. Methods - This research will be conducted based on an extensive literature review.Results - Based on the epistemological analysis of money and the business cycle as well as the views of Islamic scholars, 100%RBS should be the best for Islamic Bank. There are four types of 100% RBS namely Pure Commodity Money, Sovereign Money, Narrow Banking, and Limited Purpose Banking. To deploy it into the economic system, another philosophical work should be done to choose one of the types and strengthen it so that the theory of 100%RBS can be implemented for the goodness of Islamic Bank. Conclusion - In Conclusions, Based on the epistemology defined by Islamic Scholars, FractRBS has more mafsadah if we compare to the maslahah. Therefore, 100% RBS should be better for the Islamic Bank.
California Natural Resource Agency — The data set represents the annual count of bank swallow burrows at nesting colonies located along the Sacramento River. The data set contains two databases which...
California Department of Resources — The data set represents the annual count of bank swallow burrows at nesting colonies located along the Sacramento River. The data set contains two databases which...
Federal Laboratory Consortium — The NIH NeuroBioBank (NBB), supported by the National Institute of Mental Health, the National Institute of Neurological Disorders and Stroke, and the Eunice Kennedy...
Boot, A.W.A.; Marinč, M.
The structure of the financial services industry is in flux. Liberalization, deregulation, and advances in information technology have changed the financial landscape dramatically. Interbank competition has heated up and banks face increasing competition from nonbanking financial institutions and
Full Text Available There are a lot of economic efficiency indicators in theory. It is necessary to choice some of them for concrete purposes. ROA, ROE and C/I play important role due to last experience of polish banks.Cost to Income Ratio plays very important role affecting not only efficiency monitoring process in the banks but also becoming a very important target in strategy or finance plan. There are several methodological approaches to construct this index in detail. Results are differing due to implementing methodology. This article describes trends C/I concerning both polish and foreign banks. It is difficult to compare banks in emerging country and real giants in finance mature economies.
Md Ahsan Habib
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.
U.S. Department of Health & Human Services — Comprehensive, peer-reviewed toxicology data for about 5,000 chemicals. The data bank focuses on the toxicology of potentially hazardous chemicals. It is enhanced...
Full Text Available Abstract: Effect of Banking Service Quality (BSQ Dimensions towards Bank Customer Satisfaction. This study aims to determine the effect of Banking Service Quality (BSQ to the customer satisfaction of BPD Bank in DIY. This research is a survey research with a sample of 1.536 respondents. The sample was taken by purposive sampling technique. Data collection instrument was questionnaires and analyzed using multiple regression. The results showed that six dimensions of BSQ simultaneously gave positive and significant impact on customer satisfaction. If seen from each dimension individually; the highest influence came from the reliability dimension and the lowest dimensions were from Access and Services Portfolio dimensions. For the national servants (PNS customers, the BSQ six dimensions simultaneously gave a positive and significant impact on customer satisfaction; the highest influence came from the reliability dimension and the lowest was from portfolio services dimension. For the non national servants, the BSQ six dimensions simultaneously gave a positive and significant impact on customer satisfaction; the highest influence came from the reliability dimension and the lowest was from portfolio services dimension. Keywords: Banking Service Quality, Customer Satisfaction Abstrak: Pengaruh Dimensi Banking Service Quality (BSQ Terhadap Kepuasan Nasabah Bank. Penelitian ini bertujuan untuk mengetahui pengaruh Banking Service Quality (BSQ terhadap kepuasan nasabah Bank BPD di DIY. Penelitian ini merupakan penelitian survey dengan sampel secara keseluruhan berjumlah 1.536 responden. Sampel diambil dengan teknik purposive sampling. Instrumen pengumpulan data berupa kuesioner dan dianalisis dengan regresi ganda. Hasil penelitian menunjukkan keenam dimensi BSQ secara simultan berpengaruh positif dan signifikan terhadap kepuasan nasabah, jika dilihat tiap dimensi maka pengaruh tertinggi berasal dari dimensi keterhandalan dan terendah dari dimensi
Navpreet Kaur; Dr. Ashutosh Pathak
Online Banking is becoming an important aspect of worldwide commerce. Online Banking is also known as ebanking, cyber banking, virtual banking, net banking, and internet banking. Online banking includes various banking activities conducted from home business, instead of at a physical bank location Customer relationship management worked as a tool increased use of e-commerce makes CRM. Online banking is based on internet or web- based interaction to create a high volatile relations...
Jacques Nel; Christo Boshoff
Electronic banking services such as internet banking offer bank clients substantial benefits over traditional banking channels. Although internet banking has been around for many years, increasing the use of the service by bank clients remains a priority for many managers of internet banking services. To address this managerial concern, the study investigates the factors that contribute to the enhanced use of internet banking by bank clients. Based on a literature review, internet-banking fac...
Dragan (Santamarian) Oana Raluca
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...
Full Text Available Deregulation and the emergence of new forms of technology have created highly competitive market conditions which have had a critical impact upon consumer behavior in corporate banking. Bank providers must, therefore, attempt to better understand their corporate clients in an attempt not only to anticipate but also to influence and determine consumer buying behavior. The paper accordingly presents and develops a model which attempts to articulate and classify corporate consumer behavior in the purchasing of financial products and services.
Kosuke Aoki; Kalin Nikolov
This paper asks two main questions: (1) What makes some asset price bubbles more costly for the real economy than others? and (2) When do costly bubbles occur? We construct a model of rational bubbles under credit frictions and show that when bubbles held by banks burst this is followed by a costly financial crisis. In contrast, bubbles held by ordinary savers have relatively muted effects. Banks tend to invest in bubbles when financial liberalisation decreases their profitability.
Full Text Available Purpose: The aim of this study is to identify quality indicators of the eye bank and validate their effectivity. Methods: Adverse reaction rate, discard rate, protocol deviation rate, and compliance rate were defined as Quality Indicators of the eye bank. These were identified based on definition of quality that captures two dimensions – “result quality” and “process quality.” The indicators were measured and tracked as part of quality assurance (QA program of the eye bank. Regular audits were performed to validate alignment of standard operating procedures (SOP with regulatory and surgeon acceptance standards and alignment of activities performed in the eye bank with the SOP. Prospective study of the indicators was performed by comparing their observed values over the period 2011–2016. Results: Adverse reaction rate decreased more than 8-fold (from 0.61% to 0.07%, discard rate decreased and stabilized at 30%, protocol deviation rate decreased from 1.05% to 0.08%, and compliance rate reported by annual quality audits improved from 59% to 96% at the same time. In effect, adverse reaction rate, discard rate, and protocol deviation rate were leading indicators, and compliance rate was the trailing indicator. Conclusion: These indicators fulfill an important gap in available literature on QA in eye banking. There are two ways in which these findings can be meaningful. First, eye banks which are new to quality measurement can adopt these indicators. Second, eye banks which are already deeply engaged in quality improvement can test these indicators in their eye bank, thereby incorporating them widely and improving them over time.
Acharya, Manisha; Biswas, Saurabh; Das, Animesh; Mathur, Umang; Dave, Abhishek; Singh, Ashok; Dubey, Suneeta
The aim of this study is to identify quality indicators of the eye bank and validate their effectivity. Adverse reaction rate, discard rate, protocol deviation rate, and compliance rate were defined as Quality Indicators of the eye bank. These were identified based on definition of quality that captures two dimensions - "result quality" and "process quality." The indicators were measured and tracked as part of quality assurance (QA) program of the eye bank. Regular audits were performed to validate alignment of standard operating procedures (SOP) with regulatory and surgeon acceptance standards and alignment of activities performed in the eye bank with the SOP. Prospective study of the indicators was performed by comparing their observed values over the period 2011-2016. Adverse reaction rate decreased more than 8-fold (from 0.61% to 0.07%), discard rate decreased and stabilized at 30%, protocol deviation rate decreased from 1.05% to 0.08%, and compliance rate reported by annual quality audits improved from 59% to 96% at the same time. In effect, adverse reaction rate, discard rate, and protocol deviation rate were leading indicators, and compliance rate was the trailing indicator. These indicators fulfill an important gap in available literature on QA in eye banking. There are two ways in which these findings can be meaningful. First, eye banks which are new to quality measurement can adopt these indicators. Second, eye banks which are already deeply engaged in quality improvement can test these indicators in their eye bank, thereby incorporating them widely and improving them over time.
KHAN, MUHAMMAD AKRAM
Although the Islamic finance is making continuous progress, yet the Islamic banks still face criticism from keen observers that they have adopted such techniques of financing which closely resemble interest-based finance. The difficulty with Islamic banks is that they feel hesitant to adopt profit-loss sharing in the contemporary environment. They are afraid that their clients may misreport or mismanage their funds leading to large-scale losses. Being trustees of public funds they think the r...
This thesis is aimed to provide understanding of the role of the fractional reserve in the mod-ern banking system worldwide and particularly in Finland. The fractional reserve banking is used worldwide, but the benefits of this system are very disputable. On the one hand, experts say that the fractional reserve is a necessary instrument for the normal business and profit making. On the other hand, sceptics openly criticize the fractional reserve system and blame it for fiat money (money n...
Bagus, Philipp; Howden, David
We explore several unaddressed issues in George Selgin’s (1988) claim that the best monetary system to maintain monetary equilibrium is a fractional reserve free banking one. The claim that adverse clearing balances would limit credit expansion in a fractional reserve free banking system is more troublesome than previously reckoned. Both lengthened clearing periods and interbank agreements render credit expansion unrestrained. “The theory of free banking” confuses increases in money held with...
de Haan, Jakob; Vlahu, Razvan
This paper reviews the empirical literature on the corporate governance of banks. We start by highlighting the main differences between banks and nonfinancial firms and focus on three characteristics that make banks special: (i) regulation, (ii) the capital structure of banks, and (iii) the