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

Energy Technology Data Exchange (ETDEWEB)

NONE

1976-01-09

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

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

NARCIS (Netherlands)

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

2014-01-01

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

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

Science.gov (United States)

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

2010-01-01

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

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

NARCIS (Netherlands)

Kakes, J

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

French Antilles and Guiana.

Science.gov (United States)

1983-11-01

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

Epidemiology of stroke : the role of blood pressure, alcohol and diet

NARCIS (Netherlands)

Keli, S.O.

1995-01-01

This thesis evaluates the recent trends in stroke mortality in the Netherlands Antilles, and the role of long-term blood pressure, alcohol and diet as risk factors for stroke incidence. The official mortality statistics and population data from the Netherlands Antilles over the period

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

International Nuclear Information System (INIS)

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

2010-05-01

This report contains the results of the second case study commissioned by the Fair Bank Guide on the financing practices of twelve investigated banks in the Netherlands. It has been examined which part of the investments in electricity generation by Dutch banks involves electricity generation from sustainable sources (sustainable electricity generation) [nl

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

Science.gov (United States)

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

2017-01-01

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

Evaluation of tsunami risk in the Lesser Antilles

Directory of Open Access Journals (Sweden)

N. Zahibo

2001-01-01

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

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

Directory of Open Access Journals (Sweden)

Devillé Walter L

2009-04-01

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

The New Banking Union Landscape in Europe: Consolidation Ahead?

NARCIS (Netherlands)

D. Schoenmaker (Dirk)

2017-01-01

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

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

NARCIS (Netherlands)

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

2015-01-01

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

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

Science.gov (United States)

2011-02-11

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

Saba Bank research expedition 2013 - Progress Report

NARCIS (Netherlands)

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

2014-01-01

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

Taino and African maternal heritage in the Greater Antilles.

Science.gov (United States)

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

2017-12-30

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

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

NARCIS (Netherlands)

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

2006-01-01

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

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

Science.gov (United States)

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

2006-01-01

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

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

NARCIS (Netherlands)

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

2014-01-01

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

Retail payments in the Netherlands : Facts and theory

NARCIS (Netherlands)

Bolt, Wilko

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

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

OpenAIRE

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

2014-01-01

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

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

International Nuclear Information System (INIS)

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

1998-01-01

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

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

Science.gov (United States)

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

2017-12-01

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

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

NARCIS (Netherlands)

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

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

Energetics of the green iguana (Iguana iguana) in a semi-arid environment

OpenAIRE

van Marken Lichtenbelt, Wouter David

1991-01-01

Energy budgets in the herbivorous green iguana (Iguana Iguana) were studied from April 1985-October 1988 in a strongly seasonal environment on the semi-arid island Curacao (Netherlands Antilles) under the auspices of the CARMABI Foundation in cooperation with the State University of Groningen (The Netherlands). ... Zie: Summary

Literatuur en taal in de Nederlandse Antillen en Aruba

African Journals Online (AJOL)

Four languages are used daily on the six islands that encompass the Netherlands Antilles and Aruba and form part of the Kingdom of the Netherlands: the national languages English and Papiamento (an interlanguage based upon Dutch, English, Portuguese and Spanish), the Dutch of the Kingdom and the regional ...

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

Directory of Open Access Journals (Sweden)

Foets Marleen

2009-10-01

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

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

International Nuclear Information System (INIS)

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

1979-01-01

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

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

Science.gov (United States)

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

2017-09-01

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

How to: Establish and run a stool bank.

Science.gov (United States)

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

2017-12-01

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

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

NARCIS (Netherlands)

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

2015-01-01

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

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

Science.gov (United States)

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

2017-10-01

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

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

Science.gov (United States)

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

2017-12-01

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

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

NARCIS (Netherlands)

Boschma, Ron; Hartog, Matté

2014-01-01

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

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

Science.gov (United States)

Jury, Mark R.

2016-11-01

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

Muon tomography: Plans for observations in the Lesser Antilles

International Nuclear Information System (INIS)

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

2010-01-01

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

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

Energy Technology Data Exchange (ETDEWEB)

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

2010-05-15

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

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

NARCIS (Netherlands)

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

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

Modeling of Marine Natural Hazards in the Lesser Antilles

Science.gov (United States)

Zahibo, Narcisse; Nikolkina, Irina; Pelinovsky, Efim

2010-05-01

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

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

Science.gov (United States)

Turner, Henry L., III

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

La crise sociale aux Antilles françaises

Directory of Open Access Journals (Sweden)

Justin Daniel

2009-03-01

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

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

Science.gov (United States)

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

2015-12-01

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

OPTIMAL FORAGING OF A HERBIVOROUS LIZARD, THE GREEN IGUANA IN A SEASONAL ENVIRONMENT

NARCIS (Netherlands)

LICHTENBELT, WDV

Food selection was studied in free living green iguanas (Iguana iguana) throughout the year in a semiarid environment, Curacao (Netherlands Antilles). Food intake was determined by direct observations and converted into biomass intake. Comparison between intake and biomass availability of the

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

NARCIS (Netherlands)

Couwenberg, Oscar; de Jong, Abe

2006-01-01

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

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

NARCIS (Netherlands)

A. de Jong (Abe)

2004-01-01

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

Deregulation of the European Banking Industry (1980-1991)

OpenAIRE

Gual, Jordi; Neven, Damien J

1992-01-01

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

Factors influencing Artemia populations in Antillean salines

NARCIS (Netherlands)

Kristensen, Ingvar; Hulscher-Emeis, T. Marian

1972-01-01

In the Netherlands Antilles two extreme “forms” of Artemia salina, f. arietina and f. milhauseni, show all intermediate gradations. They hybridize constantly. When forma arietina is moved from lower concentrations into highly concentrated brine it will produce offspring that exhibit characteristics

Plastic growth of the herbivorous reef fish Sparisoma viride: field evidence for a trade-off between growth and reproduction

NARCIS (Netherlands)

van Rooij, J.M.; Bruggemann, J.H.; Videler, J.J.; Breeman, A.M.

The growth of different Life phases and social categories of the protogynous parrotfish Sparisoma viride was studied on a fringing reef on Bonaire (Netherlands Antilles) using mark-recapture procedures and by taking repeated stereographic measurements of free-swimming fish. Weight-growth was best

Amsterdam Expeditions to the West Indian Islands, Report 29. Presence of a member of the genus Saliweckelia (Amphipoda) on Tortuga, Venezuela

NARCIS (Netherlands)

Lieshout, Van Sylvia E.N.

1983-01-01

A population of Saliweckelia (Amphipoda) from Tortuga (Venezuela) is compared with populations from Curaçao and Bonaire (Netherlands Antilles). Considerable variability in a number of characters, within and between the different populations, makes it difficult to ascertain the taxonomic status of

Opisthobranchs from the Lesser Antilles

NARCIS (Netherlands)

Bois-Reymond Marcus, Eveline du; Marcus, Ernst

1963-01-01

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

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

NARCIS (Netherlands)

Pantjes, Rik; Tümer-Alkan, Günseli

2017-01-01

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

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

Science.gov (United States)

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

2013-12-01

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

DIGESTION IN AN ECTOTHERMIC HERBIVORE, THE GREEN IGUANA (IGUANA-IGUANA) - EFFECT OF FOOD COMPOSITION AND BODY-TEMPERATURE

NARCIS (Netherlands)

LICHTENBELT, WDV

1992-01-01

In laboratory experiments, the effect of food composition and body temperature on digestive efficiency was investigated in the lizard Iguana iguana on Curacao (Netherlands Antilles). In a series of experiments the animals were kept in cages with a temperature gradient and different foods were

Energetics of the green iguana (Iguana iguana) in a semi-arid environment

NARCIS (Netherlands)

van Marken Lichtenbelt, Wouter David

1991-01-01

Energy budgets in the herbivorous green iguana (Iguana Iguana) were studied from April 1985-October 1988 in a strongly seasonal environment on the semi-arid island Curacao (Netherlands Antilles) under the auspices of the CARMABI Foundation in cooperation with the State University of Groningen (The

ENERGY BUDGETS IN FREE-LIVING GREEN IGUANAS IN A SEASONAL ENVIRONMENT

NARCIS (Netherlands)

LICHTENBELT, WDV; WESSELINGH, RA; VOGEL, JT; ALBERS, KBM

Using a variety of techniques we estimated energy expenditure and allocation of energy in free-living green iguanas (Iguana iguana) in a seasonal environment on Curacao, Netherlands Antilles. 1) Daily energy expenditure (DEE) was measured by means of the doubly labeled water (DLW) technique, using

Energetic consequences of field body temperatures in the green iguana

NARCIS (Netherlands)

Lichtenbelt, WDVM; Wesselingh, RA

We investigated body temperatures of free-ranging green iguanas (Iguana iguana) on Curacao (Netherlands Antilles), and how metabolic costs and benefits of food processing affect body temperatures. Body temperatures of free-living iguanas were measured by radio telemetry. We also used a model, with

The potential for dive tourism led entrepreneurial marine protected areas in Curacao

NARCIS (Netherlands)

Groot, de J.; Bush, S.R.

2010-01-01

Despite the successful establishment of marine protected areas in the Netherlands Antilles, such as Saba and Bonaire, government-led protection of the reefs surrounding Curacao has repeatedly failed. In the absence of effective state regulation, dive operations have taken de facto control over dive

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

International Nuclear Information System (INIS)

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

1980-01-01

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

Water quality and treatment of river bank filtrate

Directory of Open Access Journals (Sweden)

W. W. J. M. de Vet

2010-06-01

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

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

COMPARATIVE-ANALYSIS OF FORAGING AND HABITAT USE BY THE SYMPATRIC CARIBBEAN PARROTFISH SCARUS-VETULA AND SPARISOMA-VIRIDE (SCARIDAE)

NARCIS (Netherlands)

BRUGGEMANN, JH; KUYPER, MWM; BREEMAN, AM

On the fringing reef of Bonaire, Netherlands Antilles, a comparative study was made of habitat use, diet selection, foraging behaviour and food acquisition of the parrotfish species Scarus vetula and Sparisoma viride. The species are sympatric and live in the same reef habitats (depth zones). Both

78 FR 147 - Proposed Collections; Comment Requests

Science.gov (United States)

2013-01-02

... new sub-section in the CQ-1 has three rows labeled: ``Demand Deposits, Arrears, Resale Agreements... of deleting Netherlands Antilles (3720-6), removing ``Montenegro'' from ``Serbia and Montenegro (1321... submitted in response to this notice will be summarized and/or included in the request for Office of...

Ascidians from Caribbean shallow water localities

NARCIS (Netherlands)

Goodbody, Ivan

1984-01-01

Between 1930 and 1973 PIETER WAGENAAR HUMMELINCK of the Zoölogisch Laboratorium of the State University of Utrecht made nine collecting trips to the Caribbean. While most collecting was undertaken in the territories of the Netherlands Antilles, visits were also made to several other West Indian

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

Science.gov (United States)

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

2017-12-01

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

The work of the Fundashon Antiyano Pa Energia

International Nuclear Information System (INIS)

Guda, M.

1991-01-01

An overview is presented of the activities of the title organization. Most of the wind energy activities in the Netherlands Antilles concern electricity generation, which is mainly used for the desalination of salt water. One of the major problems of utilization is the manpower for gathering wind data. Water pumping windmills have been extensively used especially in Curacao where still the 6 inch and 8 inch diameter Dempster windmills are in use to bring up ground water to irrigate land. At the last count there were around 2,000 of these machines operational, many of theses decays old. At this moment there number is estimated 3,000, because diesel has become more expensive and therefore many windmills are operational again. The policy on the Netherlands Antilles regarding wind energy is first to introduce wind energy systems on a small scale. If it shows to be successful, utilization on a larger scale will be considered in a later stage

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

NARCIS (Netherlands)

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

2013-01-01

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

Sustainable tourism development on Curacao - the implementation challenge

NARCIS (Netherlands)

Dinica, V.; Brebbia, C.A; Pineda, F.D.

2006-01-01

In 1997, a comprehensive policy program for sustainable tourism was adopted by the Netherlands Antilles government. This paper is empirically-oriented and analyses the implementation of two measures of this policy on one of the five islands, Curaçao, for the period 1998-2005. It investigates the

A new member of the crustacean suborder Ingolfiellidea from Bonaire, with a review of the entire suborder

NARCIS (Netherlands)

Stock, Jan H.

1976-01-01

A single specimen of an ingolfiellid was found in a slightly brackish well (locally called a “pos”) on the Bacuna estate in the island of Bonaire (Netherlands Antilles). The specimen differs from all other 21 ingolfiellid taxa, and is described as a new species, Ingolfiella (Gevgeliella) putealis.

On the ecology of Coenobita clypeatus in Curaçao with reference to reproduction, water economy and osmoregulation in terrestrial hermit crabs

NARCIS (Netherlands)

Wilde, de P.A.W.J.

1973-01-01

1. This paper deals with various aspects of the life-history, ecology, water management and osmoregulation of the West-Indian land hermit crab Coenobita clypeatus (Herbst) in Curaçao, Netherlands Antilles. 2. Land hermit crabs belonging to the family Coenobitidae may be considered as one of the most

The fruitfly Anastrepha serpentina in Curaçao

NARCIS (Netherlands)

Burgers, A.C.J.

1953-01-01

On a private collecting trip to the Netherlands Antilles, in the winter of 1948—1949, I had the opportunity of studying an infestation of the sapodilla, caused by a well-known kind of fruitfly, Anastrepha serpentina, which, however, has never before been reported from these islands. The

Sea Turtle Conservation on Bonaire. Sea Turtle Club Bonaire 1995 Project Report and Long Term Proposal

NARCIS (Netherlands)

Valkering, N.P.; Nugteren, Van P.; Eijck, Van T.J.W.

1996-01-01

Bonaire (12°12’N, 68°77’W), Netherlands Antilles, is famous for its unspoiled coral reefs. Reefs and lush sea grass provide forage and refuge for two species of endangered sea turtle, the green turtle ( Chelonia mydas) and the hawksbill (Eretmochelys imbricata). Loggerhead ( Caretta caretta ) and

Proceedings: Symposium on Piloting and VTS Systems.

Science.gov (United States)

1980-05-01

with the aid of glasses, and an extensive physical exam, with an abnormality of any nature or tendency to obesity being a cause for automatic...Netherlands Antilles 3 Colombia 31 Libya 2 Venezuela 30 Malaysia 2 South Africa 26 Austria 1 Belgium 25 Nigeria 1 Source: Baltimore Maritime Exchange Monthly

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

Science.gov (United States)

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

2015-04-01

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

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

NARCIS (Netherlands)

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

2002-01-01

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

77 FR 51763 - Endangered and Threatened Wildlife; 90-Day Finding on a Petition To List the Queen Conch as...

Science.gov (United States)

2012-08-27

... mature (16 U.S.C. 1532(16)). A joint NOAA-U.S. Fish and Wildlife Service (USFWS) policy clarifies the..., delisting, and reclassifying a species under the ESA (``DPS Policy''; 61 FR 4722; February 7, 1996). A... Bermuda, Cuba, Colombia, Florida, Mexico, the Netherlands Antilles, the U.S. Virgin Islands, and Venezuela...

Editorial The Jan H. Stock Valedictory Issue

NARCIS (Netherlands)

NN,

1990-01-01

Professor Jan H. Stock, an inspiring zoologist of international fame (born 22 February 1931), will retire from the University of Amsterdam at the end of this year. It is his wish to settle in his beloved island Curaçao in the Netherlands Antilles and there to continue his taxonomic and zoogeographic

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

OpenAIRE

Nicole Jonker; Anneke Kosse; Lola Hernández

2012-01-01

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

Trafficking in Persons: U.S. Policy and Issues for Congress

Science.gov (United States)

2010-08-04

service providers, public officials, and religious groups. Programs to improve the prosecution rates of traffickers have helped countries draft or...Macedonia, Montenegro, Netherlands Antilles, Portugal, Romania , Serbia, Slovak Republic, Switzerland, Turkey, and Ukraine. Middle East & North Africa (7... tourism until the person has completed their sentence. Furthermore, the act creates new criminal offenses related to human trafficking, including

Sea Turtle Conservation on Bonaire. Sea Turtle Club Bonaire 1996 Project Report

NARCIS (Netherlands)

Norde, D.J.; Rossum, van J.P.

1997-01-01

Bonaire, Netherlands Antilles (12°12’N, 68°77’W) is an island in the Caribbean sea, situated about 50 km east of Curacao and 80 km north of the South American continent (Venezuela). Its 288 2 km of land hold about 14,000 inhabitants. Bonaire has a strongly growing population, which is mostly due to

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

Science.gov (United States)

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

2008-07-01

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

U.S. Army Medical Department Journal (April-June 2006)

Science.gov (United States)

2006-06-01

basic laboratory equipment and techniques acquired at the AMS, demonstrated that Puerto Rican anemia was due to the hookworm, Necator americanus.* In...Sciences, Bangkok, Thailand; US Army Medical Research Unit-Kenya, Nairobi; Naval Medical Research Center Detachment, Lima, Peru ; Naval Medical Research...2006 131 Colombia, Ecuador, El Salvador, Netherland Antilles, Antigua, Belize, Bolivia, Costa Rica, Guatemala, Nicaragua, Panama, Peru (air, water

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

Directory of Open Access Journals (Sweden)

Miranda Petronella VLAD

2012-11-01

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

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

OpenAIRE

IMOLA DRIGĂ

2014-01-01

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

12 CFR 619.9140 - Farm Credit bank(s).

Science.gov (United States)

2010-01-01

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

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

IMOLA DRIGĂ

2014-12-01

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

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

OpenAIRE

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

2015-01-01

International audience; Within the framework of a global French program oriented towards the development of renewable energies, Martinique Island (Lesser Antilles, France) has been extensively investigated (from 2012 to 2013) through an integrated multi-methods approach, with the aim to define precisely the potential geothermal ressources, previously highlighted (Sanjuan et al., 2003). Amongst the common investigation methods deployed, we carried out three magnetotelluric (MT) surveys located...

Banking system trust, bank trust, and bank loyalty

NARCIS (Netherlands)

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

2017-01-01

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

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

NARCIS (Netherlands)

2011-01-01

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

Relationship Banking in Labor Bank

OpenAIRE

三村, 聡

2012-01-01

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

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

Directory of Open Access Journals (Sweden)

Tetiana Vasilyeva

2016-10-01

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

Astronomy in the Netherlands

Science.gov (United States)

Boland, Wilfried; Habing, Harm

2013-01-01

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

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

Directory of Open Access Journals (Sweden)

Murti Lestari

2010-05-01

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

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

Science.gov (United States)

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

2015-04-01

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

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

International Nuclear Information System (INIS)

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

1988-01-01

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

BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

Yuliya Onyshchenko

2015-11-01

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

RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

OpenAIRE

PAKSOY, H. Mustafa; ABAROSS, Nour

2015-01-01

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

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

Science.gov (United States)

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

2013-01-01

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

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

Directory of Open Access Journals (Sweden)

Karine Monceau

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

Is shadow banking really banking?

OpenAIRE

Bryan J. Noeth; Rajdeep Sengupta

2011-01-01

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

Dutch-Flemish translation of nine pediatric item banks from the Patient-Reported Outcomes Measurement Information System (PROMIS)®.

Science.gov (United States)

Haverman, Lotte; Grootenhuis, Martha A; Raat, Hein; van Rossum, Marion A J; van Dulmen-den Broeder, Eline; Hoppenbrouwers, Karel; Correia, Helena; Cella, David; Roorda, Leo D; Terwee, Caroline B

2016-03-01

The Patient-Reported Outcomes Measurement Information System (PROMIS(®)) is a new, state-of-the-art assessment system for measuring patient-reported health and well-being of adults and children. It has the potential to be more valid, reliable, and responsive than existing PROMs. The items banks are designed to be self-reported and completed by children aged 8-18 years. The PROMIS items can be administered in short forms or through computerized adaptive testing. This paper describes the translation and cultural adaption of nine PROMIS item banks (151 items) for children in Dutch-Flemish. The translation was performed by FACITtrans using standardized PROMIS methodology and approved by the PROMIS Statistical Center. The translation included four forward translations, two back-translations, three independent reviews (at least two Dutch, one Flemish), and pretesting in 24 children from the Netherlands and Flanders. For some items, it was necessary to have separate translations for Dutch and Flemish: physical function-mobility (three items), anger (one item), pain interference (two items), and asthma impact (one item). Challenges faced in the translation process included scarcity or overabundance of possible translations, unclear item descriptions, constructs broader/smaller in the target language, difficulties in rank ordering items, differences in unit of measurement, irrelevant items, or differences in performance of activities. By addressing these challenges, acceptable translations were obtained for all items. The Dutch-Flemish PROMIS items are linguistically equivalent to the original USA version. Short forms are now available for use, and entire item banks are ready for cross-cultural validation in the Netherlands and Flanders.

BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

Directory of Open Access Journals (Sweden)

Rahmatina A. Kasri

2017-08-01

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

Simulating Retail Banking for Banking Students

Science.gov (United States)

Supramaniam, Mahadevan; Shanmugam, Bala

2009-01-01

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

Coastal Management in the Netherlands

NARCIS (Netherlands)

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

1992-01-01

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

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

Directory of Open Access Journals (Sweden)

Anthony Lukmawijaya

2015-05-01

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

Denying Foreign Bank Entry: Implications For Bank Interest Margins

OpenAIRE

Ross Levine

2003-01-01

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

E-BANKING- MODERN BANKING SERVICES

Directory of Open Access Journals (Sweden)

MIRANDA PETRONELLA VLAD

2009-05-01

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

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

Science.gov (United States)

Spiske, Michaela; Böröcz, Zoltán; Bahlburg, Heinrich

2008-04-01

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

Internet Banking integration within the banking system

Directory of Open Access Journals (Sweden)

Constantin Marian MATEI

2008-01-01

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

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

African Journals Online (AJOL)

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

Impact of E-Banking on Traditional Banking Services

OpenAIRE

Vyas, Shilpan Dineshkumar

2012-01-01

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

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

Directory of Open Access Journals (Sweden)

Aditya Wardhana

2015-09-01

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

Dutch food bank parcels do not meet nutritional guidelines for a healthy diet.

Science.gov (United States)

Neter, Judith E; Dijkstra, S Coosje; Visser, Marjolein; Brouwer, Ingeborg A

2016-08-01

Nutritional intakes of food bank recipients and consequently their health status largely rely on the availability and quality of donated food in provided food parcels. In this cross-sectional study, the nutritional quality of ninety-six individual food parcels was assessed and compared with the Dutch nutritional guidelines for a healthy diet. Furthermore, we assessed how food bank recipients use the contents of the food parcel. Therefore, 251 Dutch food bank recipients from eleven food banks throughout the Netherlands filled out a general questionnaire. The provided amounts of energy (19 849 (sd 162 615) kJ (4744 (sd 38 866) kcal)), protein (14·6 energy percentages (en%)) and SFA (12·9 en%) in a single-person food parcel for one single day were higher than the nutritional guidelines, whereas the provided amounts of fruits (97 (sd 1441) g) and fish (23 (sd 640) g) were lower. The number of days for which macronutrients, fruits, vegetables and fish were provided for a single-person food parcel ranged from 1·2 (fruits) to 11·3 (protein) d. Of the participants, only 9·5 % bought fruits and 4·6 % bought fish to supplement the food parcel, 39·4 % used all foods provided and 75·7 % were (very) satisfied with the contents of the food parcel. Our study shows that the nutritional content of food parcels provided by Dutch food banks is not in line with the nutritional guidelines. Improving the quality of the parcels is likely to positively impact the dietary intake of this vulnerable population subgroup.

Role of Foreign Banks in Integration of Banking Industry

Directory of Open Access Journals (Sweden)

Roman Šubić

2009-12-01

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

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

OpenAIRE

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

2015-01-01

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

Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

OpenAIRE

Nuryati; Gendis Gumilar, Amethysa

2011-01-01

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

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

Science.gov (United States)

Wiley, J.W.

1991-01-01

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

Is banking supervision central to central banking?

OpenAIRE

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

1997-01-01

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

Netherlands' participation in SBWR

International Nuclear Information System (INIS)

Brink, J.M. van den

1991-01-01

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

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

OpenAIRE

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

2011-01-01

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

Regional Banks in the Russian Banking System

Directory of Open Access Journals (Sweden)

Mikhail Vitalyevich Leonov

2015-06-01

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

Mobile banking: New trend in the contemporary banking sector

Directory of Open Access Journals (Sweden)

Sanader Dušica

2014-01-01

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

FRACTIONAL BANKING

OpenAIRE

Maria Klimikova

2010-01-01

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

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

Science.gov (United States)

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

1971-01-01

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

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

Science.gov (United States)

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

2015-08-01

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

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

OpenAIRE

Angel, Christania Graciella

2014-01-01

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

CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

OpenAIRE

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

2017-01-01

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

Electronic Banking And Bank Performance In Nigeria

African Journals Online (AJOL)

2013-03-01

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

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

Science.gov (United States)

Neter, Judith E; Dijkstra, S Coosje; Visser, Marjolein; Brouwer, Ingeborg A

2014-05-16

To determine the prevalence of (very) low food security among Dutch food bank recipients, and to identify potential demographic, lifestyle and nutrition-related factors associated with (very) low food security. 11 of 135 Dutch food banks were selected throughout the Netherlands. 251 Dutch food bank recipients participated in the study (93 men and 158 women). Inclusion criteria for participation were: (1) at least 18 years of age, (2) sufficiently fluent in Dutch to participate in oral and written interviews, (3) recipient of a Dutch food bank for at least 1 month and (4) collect own food parcel at the food bank. A single member per household was included. Level of food security. The prevalence of food insecurity was 72.9% (N=183), of which 40.4% (N=74) reported very low food security. Of the very low food secure participants, 56.8% (N=42) reported they were ever hungry but did not eat because they could not afford enough food in the previous 3 months. Adjusted multinomial logistic regression analyses showed that households without children were less likely to experience low food security (OR 0.39 (95% CI 0.18 to 0.88)) and men (OR 0.24 (95% CI 0.11 to 0.51)) were less likely to experience very low food security, while low-educated recipients (OR 5.05 (95% CI 1.37 to 18.61)) were more likely to experience very low food security. Furthermore, recipients with high satisfaction with overall food intake (OR 0.46 (95% CI 0.27 to 0.78)), high perceived healthiness of overall food intake (OR 0.34 (95% CI 0.19 to 0.62)) or high self-efficacy of eating healthy (OR 0.62 (95% CI 0.40 to 0.96)) were less likely to experience very low food security. Our study showed high prevalence rates of food insecurity among Dutch food bank recipients, and identified subgroups at increased risk of food insecurity. More research is urgently needed on the underlying determinants of food insecurity and the effectiveness of food assistance by food banks. Published by the BMJ Publishing

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

Science.gov (United States)

2010-04-21

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

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

African Journals Online (AJOL)

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

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

Science.gov (United States)

2010-01-01

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

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

Science.gov (United States)

2010-08-13

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

PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

OpenAIRE

IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

2009-01-01

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

Banking contracts

OpenAIRE

Durčáková, Klára

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2016-08-01

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

The Subduction of an Exhumed and Serpentinized Magma-Poor Basement Beneath the Northern Lesser Antilles Reveals the Early Tectonic Fabric at Slow-Spreading Mid-Oceanic Ridges

Science.gov (United States)

Marcaillou, B.; Klingelhoefer, F.; Laurencin, M.; Biari, Y.; Graindorge, D.; Jean-Frederic, L.; Laigle, M.; Lallemand, S.

2017-12-01

Multichannel and wide-angle seismic data as well as heat-flow measurements (ANTITHESIS cruise, 2016) reveal a 200x200km patch of magma-poor oceanic basement in the trench and beneath the outer fore-arc offshore of Antigua to Saint Martin in the Northern Lesser Antilles. These data highlight an oceanic basement with the following features: 1/ Absence of any reflection at typical Moho depth and layer2/layer3 limit depths. 2/ High Velocity Vp at the top (>5.5 km/s), low velocity gradient with depth (serpentinized at the slow-spreading mid-Atlantic Ridge 80 Myr ago, is currently subducting beneath the Northern Lesser Antilles. During the exhumation, early extension triggers penetrative shear zones sub-parallel to the ridge and to the transform fault. Eventually, this early extension generates sliding along the so-called detachment fault, while the other proto-detachment abort. Approaching the trench, the plate bending reactivates these weak zones in normal faults and fluid pathways promoting deep serpentinisation and localizing tectonic deformation at the plate interface. These subducting fluid-rich mechanically weak mantle rocks rise questions about their relation to the faster slab deepening, the lower seismic activity and the pervasive tectonic partitioning in this margin segment.

Internet Banking integration within the banking system

OpenAIRE

Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

2008-01-01

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

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

Science.gov (United States)

2010-02-02

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

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

Science.gov (United States)

2010-01-25

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

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

Science.gov (United States)

2010-03-02

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

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

OpenAIRE

Thomas F. Cargill

2006-01-01

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

Islamic banking

OpenAIRE

Pak, Viktoriya

2010-01-01

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

Netherlands Reactor Centre

International Nuclear Information System (INIS)

Anon.

1976-01-01

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

Perceived discrimination in the Netherlands

NARCIS (Netherlands)

Iris Andriessen; Henk Fernee; Karin Wittebrood

2014-01-01

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

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

Science.gov (United States)

2011-09-26

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

Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

Directory of Open Access Journals (Sweden)

Ir Ascarya

2008-08-01

Full Text Available Islamic banks in many countries have emerged as important component of financial system that contributes to the growth and development of the country’s economy. They have proven to be a viable and competitive component of the overall financial system. In the dual banking system, Islamic banks have to be competitive to survive. One of the key to competitiveness is efficiency. This study will measure and compare the efficiency of Islamic and conventional banks in Indonesia using Data Envelopment Analysis (DEA methodology. DEA is a non-parametric, deterministic methodology for determining the relative efficiency and managerial performance, based on the empirical data on chosen inputs and outputs of a number of decision making units. DEA allows us to compare the relative efficiency of banks by determining the efficient banks as benchmarks and by measuring the inefficiencies in input combinations (slack variables in other banks relative to the benchmark. Intermediation approach will be applied. This study will identify the sources and level of inefficiency for each of the inputs and outputs of Islamic banks and conventional banks in Indonesia. The result shows that in overall, Islamic banking is relatively more efficient than conventional banking. This means that Islamic banks are competitive enough to compete with conventional banks. Islamic banking is technically more efficient, but less scale efficient than conventional banking. Internal inefficiency is the main source of disintermediation of conventional banking in Indonesia. Furthermore, accelerated expansion, organically and inorganically, is needed to improve scale and overall efficiencies of Islamic banking in Indonesia.Keywords: Banking, Islamic Banking, Efficiency, Data Envelopment Analysis

Space research in the Netherlands 1980

International Nuclear Information System (INIS)

1981-01-01

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

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

Directory of Open Access Journals (Sweden)

Dwi Umardani

2017-05-01

Full Text Available ABSTRACT This study aims to compare the financial performance of Islamic banks with conventional banks in Indonesia using financial ratios: CAR, NPL / NPF, ROA, ROE, LDR / FDR, REO / BOPO. The data used are the financial statements published by Bank Indonesia (BI, the annual reports released by banking companies listed in Indonesia Stock Exchange (IDX, the annual reports issued by companies of Islamic banking that are not listed in Indonesia Stock Exchange (IDX, and the Indonesian banking supervision reports contained in Bank Indonesia (BI for the years 2005-2012. The analytical method used to compare the financial performance of Islamic banks with conventional banks is statistical test independent t-test. The fact shows that for each financial ratio of Islamic banks and conventional banks in Indonesia: CAR, ROA, ROE, LDR / FDR, and BOPO there are significant differences, while NPL / NPF there is not significant difference. Keywords: Financial performance, Islamic banks, conventional banks

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

Science.gov (United States)

2010-06-04

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

Ecological longevity of Polaskia chende (Cactaceae) seeds in the soil seed bank, seedling emergence and survival.

Science.gov (United States)

Ordoñez-Salanueva, C A; Orozco-Segovia, A; Canales-Martínez, M; Seal, C E; Pritchard, H W; Flores-Ortiz, C M

2017-11-01

Soil seed banks are essential elements of plant population dynamics, enabling species to maintain genetic variability, withstand periods of adversity and persist over time, including for cactus species. However knowledge of the soil seed bank in cacti is scanty. In this study, over a 5-year period we studied the seed bank dynamics, seedling emergence and nurse plant facilitation of Polaskia chende, an endemic columnar cactus of central Mexico. P. chende seeds were collected for a wild population in Puebla, Mexico. Freshly collected seeds were sown at 25 °C and 12-h photoperiod under white light, far-red light and darkness. The collected seeds were divided in two lots, the first was stored in the laboratory and the second was use to bury seeds in open areas and beneath a shrub canopy. Seeds were exhumed periodically over 5 years. At the same time seeds were sown in open areas and beneath shrub canopies; seedling emergence and survival were recorded over different periods of time for 5 years. The species forms long-term persistent soil seed banks. The timing of seedling emergence via germination in the field was regulated by interaction between light, temperature and soil moisture. Seeds entered secondary dormancy at specific times according to the expression of environmental factors, demonstrating irregular dormancy cycling. Seedling survival of P. chende was improved under Acacia constricta nurse plants. Finally, plant facilitation affected the soil seed bank dynamics as it promoted the formation of a soil seed bank, but not its persistence. © 2017 German Society for Plant Sciences and The Royal Botanical Society of the Netherlands.

GenBank

OpenAIRE

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

2002-01-01

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

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

Science.gov (United States)

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

2014-12-01

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

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

Science.gov (United States)

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

2015-12-01

The Lesser Antilles Volcanic Arc has potentially been hit by prehistorical regional tsunamis generated by voluminous volcanic landslides (volume > 1 km3) among the 53 events recognized so far. No field evidence of these tsunamis are found in the vincity of the sources. Such a scenario taking place nowadays would trigger hazardous tsunami waves bearing potentially catastrophic consequences for the closest islands and regional offshore oil platforms.Here we applied a complete hazard assessment method on the only active submarine volcano of the arc Kick 'em Jenny (KeJ). KeJ is the southernmost edifice with recognized associated volcanic landslide deposits. From the three identified landslide episodes one is associated with a collapse volume ca. 4.4 km3. Numerical simulations considering a single pulse collapse revealed that this episode would have produced a regional tsunami. An edifice current volume estimate is ca. 1.5 km3.Previous study exists in relationship to assessment of regional tsunami hazard related to shoreline surface elevation (run-up) in the case of a potential flank collapse scenario at KeJ. However this assessment was based on inferred volume of collapse material. We aim to firstly quantify potential initial volumes of collapse material using relative slope instability analysis (RSIA); secondly to assess first order run-ups and maximum inland inundation distance for Barbados and Trinidad and Tobago, i.e. two important economic centers of the Lesser Antilles. In this framework we present for seven geomechanical models tested in the RSIA step maps of critical failure surface associated with factor of stability (Fs) for twelve sectors of 30° each; then we introduce maps of expected potential run-ups (run-up × the probability of failure at a sector) at the shoreline.The RSIA evaluates critical potential failure surface associated with Fs <1 as compared to areas of deficit/surplus of mass/volume identified on the volcanic edifice using (VolcanoFit 2

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

Science.gov (United States)

2012-01-24

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

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

Science.gov (United States)

2010-01-01

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

The influence of bank employees on bank customer relationship management

Directory of Open Access Journals (Sweden)

C. Rootman

2007-12-01

Full Text Available Purpose: Despite extensive research in services marketing, much is still unknown to specific service providers on the influence of their employees on their services. This paper attempts to address this limitation and investigates the influence of employees on the customer relationship management (CRM of banks. The primary objective of this paper is to investigate the influence of selected independent variables, namely attitude and knowledgeability, on the CRM of banks. Design/Methodology/Approach: An empirical investigation was conducted with a structured questionnaire with items that related to banks' CRM in terms of attitude and knowledgeability. The sample consisted of 290 banking clients in the Nelson Mandela Metropolitan area and the response rate was 91.03%. Findings: Significant positive relationships exist between both the knowledgeability, and attitude of bank employees and a bank's CRM. These relationships imply that more extensive knowledgeability and more positive attitudes of bank employees lead to improved, maintained relationships between a bank and its clients. Employees play an important role in banks’ client relationships. Implications: Banks should focus on increasing their employees' knowledgeability and improving their attitude to ensure higher levels of CRM. This paper provides strategies for banks and could create greater awareness among South African banks of the advantages of CRM, how their employees influence their CRM, and ways to adapt to these influences. Originality/Value: No study has focused exclusively on CRM within banks in South Africa. Prior research focused on customer service and service quality; both possible results of superior CRM. However, this research differs, as it identifies the variables influencing CRM in banks in South Africa. It is proposed that this paper will be beneficial for South African banks, as the recommendations may be used to ensure higher levels of CRM in banks.

Database on wind characteristics - contents of database bank

Energy Technology Data Exchange (ETDEWEB)

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

2004-06-01

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

BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

Directory of Open Access Journals (Sweden)

Dumitru-Cristian OANEA

2014-04-01

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

Diabetes MILES--The Netherlands

DEFF Research Database (Denmark)

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

2012-01-01

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

The Chinese in the Netherlands

NARCIS (Netherlands)

Mérove Gijsberts; Willem Huijnk; Ria Vogels

2011-01-01

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

About Banking.

Science.gov (United States)

Pieslak, Raymond F.

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

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Georg

2015-01-01

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

Bank Insolvency Procedures and Market Discipline in European Banking

DEFF Research Database (Denmark)

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

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

RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

Directory of Open Access Journals (Sweden)

Aji Damanuri

2016-02-01

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

Islamic banks and profitability: an empirical analysis of Indonesian banking

OpenAIRE

Jordan, Sarah

2013-01-01

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

Marriage migration in the Netherlands

NARCIS (Netherlands)

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

2014-01-01

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

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

Science.gov (United States)

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

2017-12-01

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

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

Science.gov (United States)

2013-06-21

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

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

Does taxation on banks mean taxation on bank-dependent borrowers?

OpenAIRE

Masami Imai; Peter Hull

2012-01-01

We investigate the economic impacts of bank levies on bank-dependent borrowers, exploiting the surprise announcement of a bank tax by the Tokyo metropolitan government on February 7th, 2000. We find that the tax announcement had negative effects on the abnormal return of firms which depended on soon-to-be taxed banks for external funds. Moreover, the adverse economic effects of the bank tax were larger for smaller and more financially distressed firms, suggesting that bank levies are likely t...

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

Directory of Open Access Journals (Sweden)

Markova O.M.

2017-04-01

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

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

Science.gov (United States)

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

2014-05-01

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

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

Science.gov (United States)

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

2017-10-01

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

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

Science.gov (United States)

2013-01-03

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

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

Science.gov (United States)

2012-10-05

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

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

Science.gov (United States)

2012-08-22

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

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

Science.gov (United States)

2013-07-22

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

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

Science.gov (United States)

2013-06-28

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

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

Science.gov (United States)

2012-09-06

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

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

Science.gov (United States)

2013-06-12

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

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

Science.gov (United States)

2013-08-13

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

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

Science.gov (United States)

2012-11-15

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

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

Science.gov (United States)

2013-03-01

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

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

Science.gov (United States)

2012-09-19

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

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

Science.gov (United States)

2013-10-03

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

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

Science.gov (United States)

2012-01-27

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

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

Science.gov (United States)

2012-11-05

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

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

Science.gov (United States)

2013-07-12

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

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

Science.gov (United States)

2012-06-21

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

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

Science.gov (United States)

2013-08-21

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

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

Science.gov (United States)

2012-05-29

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

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

Science.gov (United States)

2012-02-16

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

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

Science.gov (United States)

2013-10-15

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

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

Science.gov (United States)

2013-04-29

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

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

Science.gov (United States)

2013-12-19

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

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

Science.gov (United States)

2012-10-04

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

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

Science.gov (United States)

2012-03-22

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

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

Science.gov (United States)

2013-08-29

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

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

Science.gov (United States)

2013-07-29

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

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

Science.gov (United States)

2012-12-07

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

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

Science.gov (United States)

2012-01-17

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

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

Science.gov (United States)

2012-10-23

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

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

Science.gov (United States)

2012-06-11

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

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

Science.gov (United States)

2012-09-20

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

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

Science.gov (United States)

2012-06-06

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

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

Science.gov (United States)

2012-07-26

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

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

Science.gov (United States)

2013-07-02

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

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

Science.gov (United States)

2013-04-26

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

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

Science.gov (United States)

2012-12-06

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

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

Science.gov (United States)

2013-01-02

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

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

Science.gov (United States)

2013-05-10

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

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

Science.gov (United States)

2012-10-16

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

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

Science.gov (United States)

2012-04-02

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

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

Science.gov (United States)

2013-12-17

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

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

Science.gov (United States)

2013-08-15

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

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

Science.gov (United States)

2013-01-16

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

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

Science.gov (United States)

2012-05-10

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

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

Science.gov (United States)

2012-07-02

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

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

Science.gov (United States)

2013-01-17

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

Cross-Border Banking

OpenAIRE

Jonathan Eaton

1994-01-01

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

BAGI HASIL DAN BANK SYARI’AH (Solusi terhadap Bunga Bank

Directory of Open Access Journals (Sweden)

Rudy Haryanto Rudy Haryanto

2012-07-01

Full Text Available Abstract: To save money in terms of investation is one of bank’s functions. Interest and production sharing are kinds of investation in banking system. Interest is a marketable entry in conventional banking, however production sharing is known in syari’ah banking system. Some people argue that interest cannot be seperated from the banking activity, in fact Islam recommends the followers to avoid it; hence it could be substituted with term of production sharing. It matches the priciple of musyarakah and mudharabah as being taught by Rasûlullâh SAW. Bank interest is considered ribâ (excessive interest and it is forbidden in Islam. Moreover, production sharing is more useful and beneficial for people. Unfortunately, the value of production sharing (syarî’ah banking product is lower than the value of banking interest (conventional banking product due to the fact that the ralationship established by syari’ah banking and its customer is based on the principle of gotong royong (mutual coorporation and production sharing partnership. Key Words: ribâ, musyarakah, mudharabah, dan bagi-hasil  

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

Science.gov (United States)

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

2015-04-01

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

Maps showing geology, oil and gas fields, and geological provinces of South America

Science.gov (United States)

Schenk, C. J.; Viger, R.J.; Anderson, C.P.

1999-01-01

This digitally compiled map includes geology, geologic provinces, and oil and gas fields of South America. The map is part of a worldwide series on CD-ROM by World Energy Project released of the U.S. Geological Survey . The goal of the project is to assess the undiscovered, technically recoverable oil and gas resources of the world and report these results by the year 2000. For data management purposes the world is divided into eight energy regions corresponding approximately to the economic regions of the world as defined by the U.S. Department of State. South America (Region 6) includes Argentina, Bolivia, Brazil, Chile, Columbia, Ecuador, Falkland Islands, French Guiana, Guyuna, Netherlands, Netherlands Antilles, Paraguay, Peru, Suriname, Trinidad and Tobago, Uruguay, and Venezuela.

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

NARCIS (Netherlands)

Buck, F.D.

1960-01-01

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

Culicinae from the Netherlands Antilles and some other Caribbean localities

NARCIS (Netherlands)

Kuyp, van der Edwin

1953-01-01

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

Agricultural Cooperatives in the Netherlands: key success factors

NARCIS (Netherlands)

Bijman, J.

2016-01-01

The paper argues that the ongoing success of agricultural cooperatives in the Netherlands can be explained by the combination of five factors. First, the Netherlands has an enabling cooperative legislation. Second, cooperatives in the Netherlands have been able to maintain effective member control

Outsourcing central banking

DEFF Research Database (Denmark)

Khoury, Sarkis Joseph; Wihlborg, Clas

2005-01-01

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

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

Science.gov (United States)

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

2007-01-01

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

The effects of shadow banking on the traditional banking system in Zimbabwe

Directory of Open Access Journals (Sweden)

Virimai Mugobo

2015-11-01

Full Text Available The growth of shadow banks changed the face of banking in Zimbabwe. Their inconsistent product nature and complexity of form has been a cause for concern to regulatory authorities. The interrelationship between their financial intermediary role and that of formal banks has made them good substitutes to formal banking. This study conducts a statistical analysis of the country’s monetary aggregates and the total formal bank loan-to-deposits balances. The findings of this analysis show that the shadow banking system has always been a critical element of the formal banking sector which resulted from market needs and it completes the banking system. The shadow banking system does not pose direct threat to the formal banking system but it was a result of failure to attract savers who found shadow banks as a good alternative.

Contribution of Internet Banking toward Profitability of Banking in India

Directory of Open Access Journals (Sweden)

Majid Karimzadeh

2015-12-01

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

Bank Insolvency Procedures and Market Discipline in European Banking

OpenAIRE

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

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

Islamic Banking and Green Banking for Sustainable Development: Evidence from Bangladesh

Directory of Open Access Journals (Sweden)

Mohammad Nazim Uddin

2018-01-01

Full Text Available Green banking is an integral part of Islamic banking that makes a basis of environmental protection. This study attempts to examine the relationship between Islamic banking and green banking that contribute to sustainable development. The study has used the primary data through a structural questionnaire that includes various dimensions on green banking of Islamic banking in Bangladesh. The investigation revealed that Islamic banks had made a significant contribution to green banking that improves the environment as means of cost and energy savings, preservation of natural resources and the need to respect all living things. The study seems to carry an enormous academic value since a few studies have undertaken in this areaDOI: 10.15408/aiq.v10i1.4563

ASSESING THE DETERMINANTS OF BANK LIQUIDITY. CASE STUDY ROMANIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

Florin Alexandru LUCA

2016-06-01

Full Text Available The financial crisis has highlighted the importance of liquidity risk for the banking system. Therefore, this study focuses on identifing the determinants of liquidity of Romanian banks. The data cover the period from 2006 to 2013 and take into account only bank-specific factors. The empirical study was applied on 16 Romanian banks and based on previous studies and uses different liquidity ratios, encompassing different points of view on liquidity. Regarding the explanatory variables considered in this analysis, they include various items of internal character concerning: capital adequacy, asset quality, profitability, efficiency of financial intermediation and the size of the banks. The results of our regression analysis indicate that bank liquidity is positively related to capital adequacy of banks and bank profitability and negatively related to the rate of non-performing loans, net interest margin and the size of the bank.

ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

Directory of Open Access Journals (Sweden)

Nani Hartati

2017-11-01

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

Netherlands

International Nuclear Information System (INIS)

2002-10-01

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

GenBank

OpenAIRE

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

2006-01-01

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

Strategic positioning in banking industry: Evidence from banking industry

Directory of Open Access Journals (Sweden)

Hedieh Mashoof

2014-08-01

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

CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

Directory of Open Access Journals (Sweden)

Chian-Son Yu

2014-06-01

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

12 CFR 209.2 - Banks desiring to become member banks.

Science.gov (United States)

2010-01-01

... Deposit Insurance Act (12 U.S.C. 1821(n)) should not apply until in the process of issuing stock pursuant... ISSUE AND CANCELLATION OF FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I) § 209.2 Banks desiring to become member banks. (a) Application for stock or deposit. Each national bank in process of organization...

USERS' PREFERENCE TOWARDS TRADITIONAL BANKING VERSUS E-BANKING – AN ANALYSIS

OpenAIRE

Dr. S. Anthony Rahul Golden

2016-01-01

Banking transactions that takes place in a virtual ambience on the website of a banking company or a financial institution is termed as ‘Internet Banking’. The essence of Internet banking lies in on-line access by customers of banking and financial services. This is the right time to discuss about the customer prefer whether traditional banking or online banking. What are reasons are beyond that for their preference has been analysed here. Finally, it is concluded that as people are very clos...

Biomass gasification in the Netherlands

Energy Technology Data Exchange (ETDEWEB)

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

2013-07-15

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

THE EPISTEMOLOGICAL PERSPECTIVE OF FRACTIONAL RESERVE BANKING AND FULL RESERVE BANKING: WHERE ISLAMIC BANKING SHOULD STAND?

Directory of Open Access Journals (Sweden)

Yaser Taufik Syamlan

2017-06-01

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.

Psychotraumatology in the Netherlands

Directory of Open Access Journals (Sweden)

Miranda Olff

2013-05-01

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

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

Directory of Open Access Journals (Sweden)

Jeroen Klomp

2015-12-01

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

Analisis Kinerja Keuangan Bank Sebelum Dan Sesudah Diakuisisi Oleh Investor Asing: Studi Empiris Pada Bank Central Asia Dan Bank Niaga

Directory of Open Access Journals (Sweden)

Yen Sun

2011-11-01

Full Text Available Banking industry is one of the most influence factors in the economy growth of one country. However, during 1997-1998 Indonesia banking industry went through hard times because of economic crisis. After that years, many banks were liquidated and restructured. The interesting part is through the restructuring process, several bank acquired by foreign investor and became the foreign-domestic bank. In 2010, some of those banks were in the 10 biggest banks in Indonesia based on asset. Hence, the writer interesting to compare the bank’s financial performance before and after being acquired using two banks as samples of empirical study. Data is based on financial statements published by the companies and Central Bank of Indonesia in 1995-1996, and 2003-2004. Two sample of banks have been selected based on several criteria, they are BCA and Bank Niaga. To analyse their financial performance, several analysis tools will be using, specifically CAMELS (CAR, NPL, NIM, BOPO, LDR minus mangement and sensitivity. The result of the study observed that after being acquired, financial performance of BCA and Niaga Bank is getting better in CAR, NIM, BOPO, but NPL and LDR is less favorable for BCA and so NPL is less favorable for Niaga Bank. Moreover, in terms of profitability analysis, both banks shows better performance. While, the result of credit analysis indicates that the credit risk for both banks is in the stable range at CCC.

E-BANKING: A CASE STUDY OF ASKARI COMMERCIAL BANK PAKISTAN

Directory of Open Access Journals (Sweden)

Muhammad Shakil AHMAD

2011-01-01

Full Text Available This paper has covered the operational issues related to e-banking as well as customer’s perception on usage of e-banking a case study of Askari Bank, Pakistan. 40 staff members and four customers are selected as sample for this study. Both qualitative and quantitative methods are used to present the results. Descriptive statistics is applied to describe the demographic variables while for operational problems correlation was used. Finally cross case analysis present customers’ perception about e-banking practices. Analysis shows that customer is not ready to adopt new technology that why their satisfaction level with e-banking is low. Internet speed and government policies are not supportive for e-banking in Pakistan. Due to lack of trust on technology and low computer literacy rate, customer hesitates to adopt new technology. : In order to promote IT culture in Pakistan, government has to reduce the internet rate. to promote the benefits of e-banking on media so that more user get facilitated from e-banking services.

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

Directory of Open Access Journals (Sweden)

Hassan Ghodrati

2014-06-01

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

Essays on banking

NARCIS (Netherlands)

Tumer-Alkan, G.

2008-01-01

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

DISTANCE BANKING SERVICES - A SOLUTION FOR THE ROMANIAN MANAGEMENT BANKING SYSTEM

Directory of Open Access Journals (Sweden)

ELENA SILVIA DINCULESCU

2010-01-01

Full Text Available Involved in the competition to attract and turn the clientele faithful, banks develop a series of activities that could increase their popularity, trust, and acknowledgement. Thus, creating a distance banking service is an opportunity that must be put into value. The present tendency at international level is the significant decrease of the importance of distribution channels through the classic banking network. In this context, active banks in Romania cannot be dissociated from the existing tendencies, and the spectacular dynamics of distance banking services in the last years has shown that, in a future closer than expected, clients might abandon the services of a bank with bad quality e-banking.

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

Directory of Open Access Journals (Sweden)

Pooja MALHOTRA

2009-11-01

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

Tanggung Jawab Bank terhadap Nasabah yang Mengalami Kerugian dalam Penggunaan Elektronik Banking

Directory of Open Access Journals (Sweden)

Selly Maulina

2016-12-01

ABSTRACT. The strong development economy requires a bank as a financial institution that is safe for undertaking various financial activities.The positive impact of developments on financial services is the use of e-bankingis also known as internet banking is the bank services that enable customers to obtain information, communicate and conduct banking transactions through the internet, quickly, can be done anywhere and anytime. Internet banking transactions can also pose some risk, Article 1, paragraph (2 of Bank Indonesia Regulation No. 5/8/PBI/2003 on the Application of Risk Management for Commercial Bank said that the risk is the potential for the occurrence of an event  that can cause harm. Risks experienced by customers of PT. BNIS and PT. BCA. According to the Bank Indonesia Regulation Number 10/10/PBI/2008 on the Settlement of customer complaints,customers who suffered the financial  losses can lodge a complaint by means of submitting a complaint to the bank. The protection from a legal perspective rule has no detail rules yet about internet banking so bank makes initiave on internet banking terms and condition.The agreement prioritize customer client obligations rather than rights.

E-Banking: Risk Management Practices of the Estonian Banks

OpenAIRE

Dmitri Sokolov

2007-01-01

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

The Poor Side of the Netherlands

NARCIS (Netherlands)

Cok Vrooman; Stella Hoff

2004-01-01

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

Bank Ethics:An Empirical Investigation of the Banking in China

Institute of Scientific and Technical Information of China (English)

刘春红; 宋玮

2004-01-01

Business ethics is considered critical for the reputation and competitive power of banks, especially in China after WTO Entry. This study applied the theory and research on ethical practices of successful managers and ethics control mechanisms to identify the ethical climates that result in ethical behaviors in the banking. 141 employees from different banks in Shanghai, China, completed measures of all scales in the survey. The results support the theorizing of the value of well-formed business ethics in the banking in China. The correlation and structural equation analysis suggests that ethical practices of successful managers and ethics control mechanisms of banks reinforce three ethical climates of 'service', 'law and rules' and 'caring' that promote the ethical level of employees, and the independence and instrumental climate on the contrary. This study also found that there are three ethics control mechanisms most commonly used in the banking and ethics-focused reward system is believed to be a mostly effective one by the employees of banking in China.

Dividend Payout Policy of Conventional Banking and Islamic Banking in Pakistan

Directory of Open Access Journals (Sweden)

Farhan Ahmed

2018-01-01

Full Text Available This paper investigates the difference between the dividend payout policy of Islamic banks and conventional banks in Pakistan for a period from 2012 to 2016 analyzing the data through regression using Least Square Method (OLS. Specifically, the study aims to study the impact of the profitability, liquidity, revenue growth and financial leverage on the dividend payout policy of the Islamic Banks and conventional banks of Pakistan and how Islamic banks dividend policy differs from conventional banks. This study concludes that the factors like liquidity and financial leverage should be considered and addressed accordingly, because these are key indicators to help policymakers and investors in assessing the performance of the Islamic Banking Industry. DOI: 10.15408/aiq.v10i1.6103

The Banks Rating Analysis The Differences Between The Regional Development Banks And Non-Foreign Exchange Commercial Banks In Indonesia

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Dr. Irwan Ch

2017-06-01

Full Text Available This study aimed to analyze the bank rating in terms of differences the financial performance between the Regional Development Banks and Non-Foreign Exchange Commercial Banks. It is consist of capital adequacy asset quality profitability Return On Asset ROA Return on Equity ROE Net Interest Margin NIM and Liquidity Loan to Deposit Ratio. The fulfillment of capital adequacy and asset quality of the bank groups did not differed significantly while in terms of profitability and liquidity there are significant differences. The earning difference is more likely due to the Regional Development Banks sources of funds for the implementation of the Local Government Cash Holder function as the Provincial Government and District City. The difference of liquidity are showed by the performance of Regional Development Banks and the Non-Foreign Exchange Commercial Banks in lendingfinancing whereas the two groups of banks on average are still relatively low in lending.

The Upper Permian in the Netherlands

NARCIS (Netherlands)

Visser, W.A.

1955-01-01

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

Evolution of central banking? De Nederlandsche Bank 1814-1852

NARCIS (Netherlands)

Uittenbogaard, R.A.

2014-01-01

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

The Social State of the Netherlands

NARCIS (Netherlands)

Rob Bijl; Jeroen Boelhouwer; Evert Pommer

2007-01-01

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

Bank Stability and Competition: Evidence from Albanian Banking Market

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Gerti SHIJAKU

2017-05-01

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.

An empirical analysis of macroeconomic and bank-specific factors affecting liquidity of Indian banks

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Anamika Singh

2016-06-01

Full Text Available This paper investigates bank-specific and macroeconomic factors that determine the liquidity of Indian banks. To explore the association, we perform OLS, fixed effect and random effect estimates on a data set of 59 banks from 2000 to 2013. Studied bank-specific factors include bank size, profitability, cost of funding, capital adequacy and deposits. GDP, inflation and unemployment are the macroeconomic factors considered. We also perform liquidity trend analysis of Indian banks based on ownership. Findings reveal that bank ownership affects liquidity of banks. Based on panel data analysis, we suggest that bank-specific (except cost of funding and macroeconomic (except unemployment factors significantly affect bank liquidity. These include bank size, deposits, profitability, capital adequacy, GDP and inflation. Further, bank size and GDP were found to have a negative effect on bank liquidity. On the other hand, deposits, profitability, capital adequacy and inflation showed a positive effect on bank liquidity. Cost of funding and unemployment showed an insignificant effect on bank liquidity. Our paper highlights new facts for enhanced understanding of liquidity in emerging economies like India.

The Bank Lending Channel of Monetary Policy Transmission in A Dual Banking System

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Mansor H. Ibrahim

2017-02-01

Full Text Available This paper examines the impact of monetary policy on bank lending in a dual banking system, i.e. Malaysia. Making use of an unbalanced panel data set of 38 Islamic and conventional banks covering mostly 2001-2014, we find evidence that variations in monetary policy affect lending growth of Islamic banks and, to some extent, conventional banks. The results further reveal that, in conformity with studies using aggregate Islamic financing data, the Islamic financing growth reacts more strongly to monetary policy changes. Moreover, we find no marked difference between full-fledged Islamic banks and Islamic bank subsidiaries in their responses to monetary policy. While we also document some evidence indicating the significant relations between bank-specific variables and lending growth, the bank-specific variables do not seem to have any role in impacting the potency of the bank lending channel. Finally, we find that lending growth is directly related to economic growth, suggesting procyclicality of bank lending/financing in Malaysia. These results have important implications for effective implementation of monetary policy and further development of Islamic banks in Malaysia.

KEWAJIBAN BANK UNTUK LAPOR PERPAJAKAN ATAS DATA NASABAH BANK YANG MENGGUNAKAN JASA KARTU KREDIT DITINJAU DARI PRINSIP KERAHASIAAN BANK

OpenAIRE

Haryono, Carissa Amelia

2016-01-01

Bank is the main actor in a country's economic. however, bank has a high dependency on their customers, which that means bank cannot operate without the people, in this case the customers who use their services. To maintain its bond with the customers, bank have to at least fulfill three principles, and one of those principles is principle of confidentiality. With the principle of confidentiality, bank have to keep well their customers privacy, but there are some affiliated party ...

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

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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

An analysis of river bank slope and unsaturated flow effects on bank storage.

Science.gov (United States)

Doble, Rebecca; Brunner, Philip; McCallum, James; Cook, Peter G

2012-01-01

Recognizing the underlying mechanisms of bank storage and return flow is important for understanding streamflow hydrographs. Analytical models have been widely used to estimate the impacts of bank storage, but are often based on assumptions of conditions that are rarely found in the field, such as vertical river banks and saturated flow. Numerical simulations of bank storage and return flow in river-aquifer cross sections with vertical and sloping banks were undertaken using a fully-coupled, surface-subsurface flow model. Sloping river banks were found to increase the bank infiltration rates by 98% and storage volume by 40% for a bank slope of 3.4° from horizontal, and for a slope of 8.5°, delay bank return flow by more than four times compared with vertical river banks and saturated flow. The results suggested that conventional analytical approximations cannot adequately be used to quantify bank storage when bank slope is less than 60° from horizontal. Additionally, in the unconfined aquifers modeled, the analytical solutions did not accurately model bank storage and return flow even in rivers with vertical banks due to a violation of the dupuit assumption. Bank storage and return flow were also modeled for more realistic cross sections and river hydrograph from the Fitzroy River, Western Australia, to indicate the importance of accurately modeling sloping river banks at a field scale. Following a single wet season flood event of 12 m, results showed that it may take over 3.5 years for 50% of the bank storage volume to return to the river. © 2011, The Author(s). Ground Water © 2011, National Ground Water Association.

Foreign bank entry impacted domestic-owned banks in Ghana from 1975 to 2008

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Nsiah K. Acheampong

2013-12-01

Full Text Available This article empirically examines the effects of foreign bank entry on the financial performance of Merchant Bank Ghana Limited and Ghana Commercial Banks Limited in Ghana from 1975 to 2008. The main result of the pooled regression was that foreign bank entry relatively increased domestic banks’ return on assets for the period 1992-2008; a period with a high influx of foreign banks into Ghana. This result supported the studies by Beck, Demirguc-Kunt, and Levine (2006 and Boldrin and Levine (2009 that found that foreign bank entry enhanced domestic banks profitability margins. The presence of foreign-owned banks was not detrimental to the financial performance of the domestic-owned banks in Ghana.

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

African Journals Online (AJOL)

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

Bank Control and the Number of Bank Relations of Japanese Firms

NARCIS (Netherlands)

Sterken, Elmer; Ogawa, Kazuo; Tokutsu, Ichiro

2005-01-01

We explore the determinants of the number of long-term bank relations of listed Japanese firms using a unique data set covering the period 1982-1999. Having a relation with a top-equity holding bank reduces the number of bank relations, while debt-rich and cash-poor firms have more bank relations.

Efficiency and Competition in the Malaysian Banking Market: Foreign versus Domestic Banks

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Rossazana Ab-Rahim

2017-08-01

Full Text Available The aim of this paper is to investigate efficiency performance of Malaysian banking market using data envelopment analysis approach in the context of the increasing presence of foreign banks. Specifically, two measures of efficiency are constructed, cost and profit efficiency by utilizing bank-level data of Malaysian commercial banks, over the period 2003 to 2014. The results obtained show the domestic banks are more efficient than the foreign banks counterparts for both measures of efficiency. Next, the Lerner Index approach is employed to measure competition and finally, Granger causality tests are undertaken to answer the question, does competition foster efficiency? The results of causality tests support a positive effect of competition on cost and profit efficiency of Malaysian banks. With regard to the financial liberalization, the findings imply that higher competitive pressure may be offset the market power of individual banks; however, eventually it will results in efficiency gains of Malaysian banks.

Does Concentration Matter for Bank Stability? Evidence from the Albanian Banking Sector

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Shijaku Gerti

2017-09-01

Full Text Available Motivated by the debate on the concentration-stability nexus, this paper studies the impact of bank concentration on the likelihood of a country suffering systemic bank fragility. For this reason, we followed a new approach using on-site bank balance sheet information to construct our proxy that represents each bank stability condition and uses a variety of internal and external factors to estimate a balance panel dynamic two-step General Method of Moments (GMM approach for the period 2008 - 2015. First, results provide supportive evidence consistent with the concentration-fragility view. Second, macroeconomic variables seem to have a significant effect on bank stability, which is not found for the sovereignty primary risk. By contrast, the bank-specific variables have also a significant effect on bank stability conditions. Finally, non-systemic banks are found to be more sensitive to macroeconomic condition and market concentration, while the better capitalised banks are less sensitive to fragility at the expense of lower operation efficiency.

Pricing linkage between Islamic banking and conventional banking: The case of Bangladesh

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Sarwar Uddin Ahmed

2014-11-01

Full Text Available Islamic banking is based on profit and loss mechanism where the use of interest is prohibited.  Unlike conventional banks, these banks do not charge a specific rate of interest, rather provides financing in exchange for profit sharing.  However, there are studies claiming that, in practice, Islamic banking is same as conventional banking with regard to the use of interest. It is also claimed that, Islamic deposits are not interest-free, but are closely attached to conventional deposits.   On this background, the objective of this study is to examine the relationship between pricing in Islamic banks vis-à-vis conventional banks by taking the case of Bangladesh. We have used monthly data during the period of 2009-2013. The findings of the study showed that, there is no statistically significant difference between the monthly average lending rates of Islamic banks and conventional banks. However, there is significant difference between deposit rates. The existence of causal relationship was inconclusive, and requires further analysis.

BLC Bank - Lebanon : Leading in Banking on Women

OpenAIRE

International Finance Corporation

2016-01-01

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

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

Science.gov (United States)

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

2017-06-01

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

Banking governance: New Approaches

Directory of Open Access Journals (Sweden)

Victor Mihăiţă Duţă

2016-11-01

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

ESTIMATE MEDICAL SERVICES IN THE NETHERLANDS

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Norina-Consuela FORNA

2015-12-01

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

BANKING WITHOUT INTEREST

Directory of Open Access Journals (Sweden)

Jana Ilieva

2017-06-01

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

Euthanasia in Belgium, the Netherlands and Luxembourg.

Science.gov (United States)

2013-11-01

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

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

OpenAIRE

Самородов, Б. В.

2014-01-01

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

Impacts of climate change in the Netherlands

International Nuclear Information System (INIS)

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

2005-10-01

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

ELECTRONIC BANKING AS ANS COMPETITIVE EDGE FOR COMMERCIAL BANKS OF PAKISTAN: ROE MODEL

Directory of Open Access Journals (Sweden)

Sundas Rauf

2013-12-01

Full Text Available The impact of electronic banking on the profitability of commercial banks has been measured by developing the integrated model based on Return on Equity for the period of 2002 to 2012. Three major banks named as National Bank of Pakistan, Habib Metropolitan Bank, and Askari Bank Limited have been incorporated into the sample of this study, by applying the Ordinary Least Square (OLS , it has been concluded that services of E-Banking have significant impact on the profitability of recent adopters in terms of Return on Equity.

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

NARCIS (Netherlands)

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

2010-01-01

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

Small finance banks: Challenges

Directory of Open Access Journals (Sweden)

Jayadev M

2017-12-01

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

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

OpenAIRE

Angel, Christania Graciella; Pusung, Rudy

2014-01-01

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

Nuclear law Netherlands

International Nuclear Information System (INIS)

Bischof, W.

1976-01-01

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

Chernobyl, what happened. [Netherlands; contamination

Energy Technology Data Exchange (ETDEWEB)

Zwigt, A

1986-01-01

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

Pengelolaan Likuiditas Bank Syariah

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Nurul Ichsan

2014-01-01

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

12 CFR 583.3 - Bank.

Science.gov (United States)

2010-01-01

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

Electricity from biomass in the Netherlands

International Nuclear Information System (INIS)

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

2004-01-01

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

STUDI KOMPARATIF KINERJA BANK SYARIAH DAN BANK KONVENSIONAL DALAM MENGHADAPI KRISIS GLOBAL BERDASARKAN RASIO KEUANGAN

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Rohmawati Kusumaningtias

2009-10-01

Full Text Available At the time of financial crisis, one of the influential institutions in society is banking. Banking sector provide soft loans to create productive employment for the community. On the other hand, customers also need the liquidity from bank-ing. These stakeholders' needs can be met by looking at the performance of bank-ing. This study aims to determine differences in the performance of sharia banking and conventional banking during economic crisis. This study uses t-test to analyze the data. From the research, it was found that in general, the performance of conventional banking is better than sharia banking in the economic crisis. Keywords: shariah banking, conventional banking, performance.

Framing a Bank

DEFF Research Database (Denmark)

Holmgreen, Lise-Lotte

2012-01-01

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

GenBank

OpenAIRE

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

2012-01-01

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

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

OpenAIRE

Prawitasari, Larasati; Hudrasyah, Herry

2012-01-01

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

Perlindungan Hukum Terhadap Nasabah Bank Pengguna Internet Banking Dari Ancaman Cybercrime

OpenAIRE

Astrini, Dwi Ayu

2015-01-01

Tujuan dilakukan penelitian ini adalah untuk mengetahui bagaimana peratuan Perundang-undangan yang melindungi nasabah bank pengguna internet banking dari ancaman cybercrime, dan bagaimana mekanisme perlindungan dan tanggungjawab yang diberikan pihak bank terhadap nasabah yang mengalami masalah dalam pengguna internet banking. Berdasarkan penelitian normatif disimpulkan bahwa; 1. Sumber hukum formal mengenai bidang perbankan, adalah UUD 1945 (Pasal 1 ayat 3), Undang-undang Nomor 7 Tahun 1992 ...

ROMANIAN BANKS LIQUIDITY MANAGEMENT

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BATRANCEA MARIA

2013-07-01

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

Bank Ownership, Board Characteristics and Performance: Evidence from Commercial Banks in India

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Jayati Sarkar

2018-02-01

Full Text Available We study the effect of board governance in state-owned and private banks by undertaking a study of commercial banks in India that has both bank groups. Covering a ten-year period from 2003 to 2012 that witnessed a large number of governance reforms in India, the results of our empirical analysis provide evidence of strong ownership effects with board independence exhibiting a significant positive correlation with the performance of private banks and a significant but negative correlation with the performance of state-owned banks. The effect of CEO duality is negative in state-owned banks where incidence of CEO duality is high. We find that a longer CEO tenure has significant positive effects on bank outcomes with these effects strengthening in the later years of CEO tenure. Our results have governance implications for strengthening the composition of board of directors and CEO tenure especially in state-owned banks.

The banking union and the financial and banking system reform in EU

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Alina Ligia Dumitrescu

2013-04-01

Full Text Available Coordination among supervisors in financial and banking system is vital, but the financial crisis has shown that is not enough, and especially in the context of a single currency would require more common actions in EU. Therefore, the European Commission proposed “the creation of a banking union”, in order to place the banking sector on a more solid base and to restore confidence in the single currency, as part of a longer-term vision for the promotion of the economic and fiscal integration. Therefore, the new direction of the reform of the financial sector is "the creation of a banking union", that will help: to strengthen banks supervision, to ensure better deposits security, to recapitalize banks and last but not least to achieve the centralized management of the banking crises.

Comparing Conventional Bank Credit Vis A Vis Shariah Bank Musharakah: Experimental Economic Approach

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Muhamad Abduh

2008-01-01

Full Text Available Central Bank of Indonesia with dual banking system – i.e Shariah and Conventional Bank – keep on developing system that considered as an answer to generate the national economic growth. One of the banking activities that emphasized by the Central Bank of Indonesia is fund distribution through either conventional bank credit or shariah bank fi nancing. Having the Experimental Economic Approach based on Induced Value Theory and employing ANOVA, this paper found that shariah bank musharakah fi nancing system would come up with higher profi t opportunity compare to conventional credit system. One main reason is that musharakah fi nancing in shariah bank applies profi t and lost sharing (PLS scheme so that will not be a burden to the customer when he fi nd low profi t.Keywords: Credit Loan, Musharakah Financing, Induced Value Theory, Experimental Economic Approach, Analysis of Variance (ANOVA.

ANALISIS KINERJA PERBANDINGAN BANK DEVISA BUMN DAN BANK DEVISA SWASTA PADA TAHUN 2006-2011

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Gatot Nazir Ahmad

2014-04-01

Full Text Available Comparative analysis of performance bank devisa BUMN and bank devisa Swasta. Thesis, Jakarta: Finance Concentration Management, Program Management, Department of Management, Faculty of Economics, University of Jakarta. Researchers aimed to determine the performance bank devisa BUMN and bank devisa Swasta by using the ratio Capital Asset Management (CAR, Return On Asset (ROA, Retrun On Equity (ROE, and Loan to Deposit Ratio (LDR. The samples used were four banks devisa BUMN and four banks devisa Swasta status go public. The data used in this study were obtained from the Annual Banking Financial report. The method of analysis used in this study is a descriptive analysis, test Outliers, and Normality Test Data Test different using paired sample t-test. The results of the analysis using a paired sample t-test between the results obtained bank devisa BUMN and bank devisa Swasta generally have a difference except for Capital Asset Ratio (CAR. The results of this study there was no difference between banks devisa BUMN and bank devisa Swasta. This study also shows that bank devisa Swasta have CAR greater than CAR bank devisa BUMN.

Customers’ adoption of electronic banking: An investigation on the commercial banking industry in Zimbabwe.

OpenAIRE

Makosana, Musa

2014-01-01

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...

76 FR 44914 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2011-07-27

..., and Logan County Bank, Lincoln, Illinois. C. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Stephen L. Grobel, Tabb... thereby indirectly acquire voting shares of First Community Bank, Glasgow, Montana. In addition, Stephen L...

Effects of e-banking on growth of customer base in kenyan banks

OpenAIRE

Okibo, Bichanga Walter; Wario, Ali Yattani

2014-01-01

The study highlights the effects of E-banking services on growth of customer base in Kenyan banks for over the last five years. It addresses issues that affect effective utilization of E-banking facilities by customers. The study generally investigates how lack of technological know-how, illiteracy, unreliability, and transaction limits has hindered growth of on-line customer base in Kenyan banks. E-banking provides enormous benefits to consumers in terms of time saving and cost of transactio...

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

CERN Document Server

Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas

2016-01-01

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

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

Science.gov (United States)

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

2017-02-01

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

Pengaruh Pengumuman Likuidasi Bank Terhadap Minat Menarik Uang Dari Bank

OpenAIRE

Haribowo, Ignatius Novianto

2017-01-01

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

GenBank

OpenAIRE

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

2008-01-01

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

EVALUASI PENERAPAN PENGUKURAN KINERJA BANK DENGAN PENDEKATAN BALANCED SCORECARD PADA BANK PAPUA (Persero)

OpenAIRE

TRI REJEKI, TALHA

2014-01-01

2014 ABSTRAK Evaluasi Penerapan Pengukuran Kinerja Bank Dengan Pendekatan Balanced Scorecard Pada Bank Papua (Persero). Evaluation of the Implementation of Bank Performance Measurement Balanced Scorecard Approach To Bank of Papua ( Persero ) . Talha Tri Rejeki Yulianus Sampe M. Christian Mangiwa Penelitian ini bertujuan untuk mengetahui gambaran kinerja Bank Papua Persero), Tbk dengan pendekatan balanced scorecard dari segi ...

The Consolidation on Banking Supervision in the Context of a Pan European Banking System

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Teodora Barbu

2007-03-01

Full Text Available The diversity of national banking systems in the European banking system and the absence of consolidated supervision creates the premises for a series of interrogations whose essence is the same: Is it possible to discuss about a Pan European Banking System? The starting point in answering this question was the efforts to create a single banking market, which took place in 1973-1999, and the impact of integration on the European Banking Industry. Among the most representative aspects, it must be emphasized the necessity of consolidating banking supervision at an European level, considering that the International Banking Community studies the problematic of banking regulations at a global level. The two dimensions of the prudential and European bank supervision device – the geographic and the institutional – demand the creation of a structural reform in order to ensure the functioning of a Pan European system of banking supervision and regulations. The considerations on the Consolidation of European Banking Supervision draws into discussion the Financial Supervision Authority which has generalized as an applicable model in numerous European countries and has been mentioned as an alternative of Pan European banking supervision. In the process of the integration of the banking sector, the Basel II Accord represents an opportunity in reaching a convergence of national regulations and practices in matters of risk management, considering that these actions are in line with the preoccupations of realizing a Pan European banking system. Thus, the creation of Pan European banking system involves actions in more directions: legal, institutional, operational meant to ensure the consolidation of banking supervision.

BANKING UNION - ROMANIAN PERSPECTIVE

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Coroiu Sorina Ioana

2015-07-01

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

Rise in maternal mortality in the Netherlands

NARCIS (Netherlands)

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

2010-01-01

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

Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry

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El Mehdi Ferrouhi

2014-12-01

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

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

OpenAIRE

Uddin, Md Akther

2015-01-01

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

The Effects of Foreign Bank Participation on the Turkish Banking System and Crisis

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Suleyman Degirmen

2015-08-01

Full Text Available There is an assertion that the participation of foreign banks in emerging markets is often thought to improve overall bank soundness. Therefore, if the share of foreign banks in a national banking system is large, the system will quickly overcome both financial or currency crises, and quickly recover itself. Since Turkey has been experienced mentioned crises, the aim of this study is to reveal if the assertion is valid for Turkey. Our expectation from the study using VAR method is to reach a conclusion that countries with large market share of foreign banks have safely passed the crises by virtue of foreign banks’ best management policies. The test results indicate that foreign banks have more positive effect for helping TBS capital structure; foreign bank participation did not cause any decline in loans and last one, after crisis, existence of foreign banks worsens TBS’ liquidity in interest and exchange rate shocks.

Boron isotope ratios of surface waters in Guadeloupe, Lesser Antilles

Energy Technology Data Exchange (ETDEWEB)

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

2011-06-15

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

Boron isotope ratios of surface waters in Guadeloupe, Lesser Antilles

International Nuclear Information System (INIS)

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

2011-01-01

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

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

Science.gov (United States)

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

2007-12-01

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

International Islamic Banking

OpenAIRE

saleem, shahid

2007-01-01

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

Islamic Banking in the West : the Need for Islamic Banking in the Uk

OpenAIRE

Alowd, Jehad; Wodie, Astede

2013-01-01

The Islamic banking system has gained momentum worldwide. The last two decades have witnessed the emergence of Islamic banking as a viable banking system. This study is designed to investigate the awareness, needs, and motives of Muslims towards Islamic Banking in the UK. The objectives of the study are as follow; to find out the motives and needs of Muslims in the UK towards Islamic banking, to test Muslim's attitudes towards some of the principles of Islamic banking, and to find out the lev...

Challenges Faced by Sudanese Banks in Implementing Online Banking: Bankers’ Perception

OpenAIRE

Nafis Alam; Ibrahim Hussien Musa Magboul; Murali Raman

2010-01-01

Innovations in Information technology have changed the way financial transactions are done in banking industry globally. Online banking uses today’s computer technology to give user the ability to manage their finances more quickly and efficiently, from anywhere around the world, and with just a click of the mouse. Banks perceive online banking as a powerful ‘value-added’ tool to attract and retain new customers while helping to eliminate costly paper handling and tell...

The Netherlands: A Case of Fading Leadership

NARCIS (Netherlands)

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

2017-01-01

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

TINGKAT SUKU BUNGA BANK KONVENSIONAL DAN KOMITMEN NASABAH MENABUNG DI BANK SYARIAH

Directory of Open Access Journals (Sweden)

Muchlis Yahya

2017-03-01

Full Text Available banking. Shariah banking customers were divided into Moslem customers that only saved money at shariahbank (n1, Moslem customers that saved money both in shariah and conventional banks (n2, non-Moslemcustomers (n3. This study used primary data through questionnaires distributed to 400 people gotten from295.498 customers of shariah bank in Central Java. Then the customer data was analyzed by using logit model.For groups of customers’ n2 and n3, the interest rate had a significant negative effect on the commitment toinvest in shariah banks. However, for n1, the interest rate did not affect anything. n1 customers developedrelationship with shariah bank because of religion ideology motive. The result showed that n2, n3 customershad rational-economic mindset, whereas n1 customers had emotional-ideology mindset. This result showedthat shariah banking customers were dominated by customers that had rational-economic character. The openingof disagreement about the bank interest which was not usury and which was supported by only some socioreligiousorganizations like NU and Muhammadiyah could be an important factor the growth of Islamicbanking.

Banking in Africa

NARCIS (Netherlands)

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

2014-01-01

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

Banks on Notice

Institute of Scientific and Technical Information of China (English)

无

2009-01-01

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

Banks and Banking Business in Russia in the Face of International Sanctions

Directory of Open Access Journals (Sweden)

Galina S. Panova

2016-01-01

Full Text Available The article provides an analysis of the present condition and prospects of development of banks and the banking business in the face of international sanctions. It identifies current trends, problems and the risks of banks and banking in Russia and in the world. Special attention is paid to the analysis of sectoral international sanctions against the Russian banks and the need to minimize negative impact of sanctions on the banking business, both nationally and internationally. Great value in these conditions has the state monetary policy. Anti-crisis policy pursued by the Bank of Russia, in a context of stagnating economy, leads to a reduction in the Russian share in the world economy and increases in the standard of living gap with the developed countries. The article argues that Russia's economic growth opportunities in 2016 are limited by restriction level of bank interest, the high volatility of the exchange rate of the national currency, insufficient development of credit relations, tough, high-budget (at the level of developed Europe tax burden, increasing administrative costs, dramatically increasing the concentration of risks of subjective decisions at the present stage of the electoral cycle. In a situation of uncertainty of predictions regarding the scope and duration of the application of sanctions, the Russian Government and the Central Bank of the Russian Federation had rightly seek to use a combination of anti-sanctions measures of austerity measures on introduction of contra-sanctions to create more comfortable conditions for doing business in Russia and her allies from member countries of Eurasian Economic Union, SCO, BRICS. The article examines the strategic aspects of development banks and banking business in Russia under the new circumstances. Given the practical recommendations on improvement of the development strategy of banks in Russia. The necessity to improve the theoretical, conceptual, methodological, her reasoning

PENGARUH KUALITAS PELAYANAN INTERNET BANKING TERHADAP KEPUASAN DAN LOYALITAS KONSUMEN PADA BANK SWASTA

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Yusnaini -

2012-03-01

Full Text Available Tujuan Penelitian ini adalah untuk mengkaji mutu internet banking terhadap kepuasan pelanggan. Pesertanya sebanyak 145 pelanggan yang biasanya menggunakan internet banking dalam melakukan transaksi pada 5 perbankan di Palembang. Regresi ganda dan sederhana digunakan untuk menguji hipotesis. Hasilnya menunjukkan bahwa kualitas internet banking bisa mempengaruhi kepuasan pelanggan. Dimension of tangible, responsiveness and empathy mempunyai dampak yang signifikan, tetapi tidak berlaku untuk dimension of reliability and assurance.  Penelitian ini juga menemukan bahwa kepuasan pelanggan berdampak signifikan terhadap kesetiaan pelanggan bank. AbstractThis study examines the effects of internet banking quality to the customer satisfaction. A number of 145 customers that use internet banking for their transactions in 5 banks located in Palembang are selected as the data. Multiple and simple regressions are used to investigate hypothesis.The result shows that internet banking quality can influence the customer satisfaction. Dimensions of tangible, responsiveness and empathy have significant effects, but dimension of reliability and assurance are unsignificant. This study also finds that the customer satisfaction has significant effect to the bank customer loyalty. Keywords: internet banking; service quality; customer satisfaction

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

African Journals Online (AJOL)

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

Bank Syariah Sebagai Alternatif

Directory of Open Access Journals (Sweden)

Adang Sudjana

2003-03-01

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

Nuclear fuel banks

International Nuclear Information System (INIS)

Anon.

2010-01-01

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

Business cycles in the Netherlands, 1815-1913

NARCIS (Netherlands)

Jacobs, Jan; Smits, Jan-Pieter

2001-01-01

This article exploits a unique new dataset containing information on the economy of the Netherlands to date business cycles turning points in the 19th century (1815-1913) using a modern econometric technique. The business cycle in the Netherlands is compared to the international (UK and US) business

Agricultural marketing in Belgium and The Netherlands

NARCIS (Netherlands)

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

1993-01-01

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

Excellency in banking services - A new road map for banks in the emerging new competition

Directory of Open Access Journals (Sweden)

R. K. Uppal

2011-01-01

Full Text Available The widening gap between desirability and availability is becoming a major cause of dissatisfaction in the banking industry. The bridging of this gap is one of the solutions to make the customers delight. The present study analyzes the widening gap between desirability and availabilityregarding reliability, accuracy, confidentiality, flexibility, e-channels, high attention to customers, low service charges and overall satisfaction of customers in three bank groups i.e. public sector banks, Indian private sector banks and foreign banks. The survey was conducted in Chandigarh in the month of October, 2008. Three banks have been selected one each from three bank groups; PNB from public sector banks, HDFC bank from Indian Private Sector banks and Amro bank from foreign banks have been taken for consideration. On the basis of five point Likert type scale, survey concludes that desirability regarding all the parameters is very high as compared to availability of banking servicesand on the basis of this empirical survey, study recommends some measures to bridge this gap between the D/A of service quality parameters in the banking sector in the emerging competition.

Analysis on Corporate Governance Influences toward Banking Efficiency with Bank Category as Moderator Variable

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Lidiyawati Lidiyawati

2015-05-01

Full Text Available Corporate governance system of Sharia financial institution that based on Islamic law may result more  variables principles then conventional owns. The restriction of usury are highly speculative transaction, embedded prohibited matter are main features in Sharia business institution. Sharia Supervisory Board, as board that supervises banking practices conforms to Sharia stipulations, hold strong important role within Islamic banking. Both important points above had direct effects on efficiency which attained by Islamic banking compared with conventional banking. This study examines the influence of corporate governance implementation toward efficiency banking sector with bank category as moderator variable. This study hypothesize that corporate governance has significant influences toward bank’s efficiencies, the influence of corporate governance toward Islamic bank efficiencies is higher than conventional bank, and level of Islamicbank efficiencies is higher than conventional bank. Measurement of efficiencies is using Stochastic Frontier Approach program, and then using SPSS in procces hypothetical model. The results of the study do not support the hypothesis. Examined result shows that statically corporate governance is not influenced by bank efficiency achievement. Corporate governance influences over Islamic bank has not show higher significance than conventional and Islamic bank efficiencies remain steady. Data limitations, complexity of the efficiency measures and the complexity of the operation of Islamic banks may explain the finding.

78 FR 34384 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-07

... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in... Johnson Bank as trustee, both of Racine, Wisconsin; to join the existing Johnson Family Control Group and...

What is shadow banking?

NARCIS (Netherlands)

Claessens, S.; Ratnovski, L.

2014-01-01

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

THE BANKING UNION – THE SOLUTION TO REDUCE THE EUROPEAN BANKING SYSTEM RISKS?

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ALINA LIGIA DUMITRESCU

2014-11-01

Full Text Available The banking union has been seen as "a panacea" for solving the system risks of the EU banking system. This paper objectives are to find out if is the banking union, with is strong and week sides, will be right answer to solve the actual issues that EU banking system has as: the fragmentation in the EU single market, the deterioration in asset quality, the need for recapitalization and the quality of banks’ loan portfolios. According with most of the experts the banking union will strength the process of economic integration. On the other side, the non-euro area member states are questioning about "equal rights and obligations for all Member States" inside the banking union. But, with all pros and cons of the banking union, the ECB's making decisions and tasks can be questioned, although its role of supervisor can not be disputed. The most important thing is that the banking union breaks the vicious circle between banks and sovereign debts, and ends "to big to fail"

The necessity for storage of natural gas in the Netherlands: In particular the natural gas storage near Langelo, Drenthe, Netherlands

International Nuclear Information System (INIS)

1994-11-01

The natural gas supply in the Netherlands will experience a capacity problem once the pressure of the natural gas field Slochteren in the province Groningen will decrease below a certain level. It is expected that this will already happen in the winter of 1996. Underground storage of natural gas reserves is considered to be the only appropriate solution to accommodate this problem. Four environmental organizations in the Netherlands ordered GASTEC, the Dutch research center for natural gas technology, to study the alternatives for natural gas storage in the Netherlands. 7 figs

Macroeconomic and Bank Specific Determinants of Non-Performing Loans (NPLs in the Indian Banking Sector

Directory of Open Access Journals (Sweden)

Memdani Laila

2017-08-01

Full Text Available The main objective of the paper is to find out the determinants of NPAs in the Indian Banking sector and to study if these determinants vary across the three different ownership structures viz., public sector banks (PSBs, private banks (PBs and foreign banks (FBs, of banks in India. The panel data for all the banks from 2005 to 2014 is collected from the official website of Reserve Bank of India (RBI, the Central Bank of the country. The econometric technique of Fixed Effects model and Random Effects model is used for the purpose. The results reveal that Macro economic factors, like log of percapita income (LPCY and Inflation (INFN, are significantly affecting NPLs in Public Sector Banks (PSBs. In case of private banks (PBs LPCY is highly significant while bank specific variables like size and total loans to total loans of the banking sector (TLTLBS are significant at 10% level. For FBs none of the variables were significant.

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

Science.gov (United States)

2010-01-01

... such activities constitute a materially important line of business to its members. Also, investments... banks. 615.5144 Section 615.5144 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Investment Management § 615...

Bank Financing for SMEs : Evidence Across Countries and Bank-Ownership Types

NARCIS (Netherlands)

Beck, T.H.L.; Demirgüc-Kunt, A.; Martinez Peria, M.

2009-01-01

Using data for 91 large banks from 45 countries, this paper finds few differences in the extent, type, and pricing of SME loans across foreign, private, and government-owned banks, even though different bank ownership types apply different lending technologies and have different organizational

GenBank

Data.gov (United States)

U.S. Department of Health & Human Services — GenBank is the NIH genetic sequence database, an annotated collection of all publicly available DNA sequences. GenBank is designed to provide and encourage access...

THE RISE OF MOBILE BANKING

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IMOLA DRIGĂ

2015-12-01

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

Banking and Trading

NARCIS (Netherlands)

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

2016-01-01

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

Wind energy in the Netherlands

International Nuclear Information System (INIS)

Bruijne, R. de

1990-01-01

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

The effect of quality of electronic banking services on agility of a bank

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Hooman Pourmohammad

2016-07-01

Full Text Available Studies have shown that in service organizations, quality can have a growth in customer satisfaction as its consequence, and when it regards the banking services, factors are brought up with regard to the quality of banking services, which include the speed in responding, providing products proportionate to the customer needs, and gaining competence. These concepts are shared by the issue of organizational agility; hence, the qualities as well as the bank's agility of the banking system embrace these concepts in common. Therefore, the study aims at studying the effect of the quality of electronic banking services on the bank's agility, and assesses the role of two mediator variables of the quality of service system and personnel behavior quality. Using a questionnaire comprised of 76 items about the above components and asking the line personnel in Bank Saderat Iran (BSI in the branches both inside and outside of Iran, the research data was collected, and stratified random sampling was used. To analyze the data, the Structural Equation Model (SEM was used and the PLS software was employed to perform the computations. Results indicated that the model of the study has a high Goodness of Fit, and the quality of the electronic banking services had a significant effect on the bank's agility. In addition, the quality of electronic banking services affects the service system quality. The system service quality, also affects the employees' behavior. Therefore, it can be said that the electronic services quality and the bank's agility affect the personnel behavior quality through the mediated effect of the service system quality. The results of the present study can help the bank's executives to promote their bank's agility and the personnel behavior quality.

Are EU Banks Safe?

NARCIS (Netherlands)

R.J. Theissen (Roel)

2013-01-01

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

PELAKSANAAN SHARIA COMPLIANCE PADA BANK SYARIAH (STUDI KASUS PADA BANK SYARIAH MANDIRI, JAKARTA)

OpenAIRE

Ade Sofyan Mulazid

2016-01-01

The Implementation of Sharia Compliance at Islamic Bank (Case Study on Mandiri Syariah Bank, Jakarta). This study is aimed at finding out the controlling system and the implementation of supervision of compliance of Bank Indonesia (BI) and Sharia Supervisory Board toward the Mandiri Syariah Bank; how is the implementation and its internal audit, what are the roles and responsibilities of the director of compliance for all stakeholders of compliance unit of Bank Syariah Mandiri. Th...

The anatomy of bank performance during transition: A separate efficient frontier analysis of Ukrainian banks

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Ihsan Isik

2016-04-01

Full Text Available By drawing on Ukrainian experience, this paper analyzes the anatomy of bank efficiency in a transitional economy. Acknowledging the vast disparities in the business technology of different size banks, in this comprehensive study, we innovatively estimate group-specific (distinct frontiers for small, medium, and large size banks. The results from separate frontiers reveal that Ukrainian banks record 38% technical inefficiency, 26% pure technical inefficiency, and 17% scale inefficiency on average. Apparently, banks in transition waste about the two fifths of their factor inputs during the production of financial services. The cardinal source of sub-performance in transitional banks seems to be managerial inefficiencies. We also found that banks operating in areas with more political influence and more developed infrastructure outperform the banks operating in politically and economically weaker regions. The results also indicate that larger banks, enjoying public trust in a risky business climate, dominate smaller banks in all forms of efficiency. However, such bias for size causes large banks to suffer from decreasing returns to scale and small banks from idle capacity. Consequently, the policies promoting consolidation between small and large banks may alleviate the excess (idle capacity for large (small banks in a transitional economy.

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

Directory of Open Access Journals (Sweden)

Habbar Abderezak, Dr.

2014-06-01

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

Developing Modernization Strategy for CORE Banking Systems among Iran’s Commercial Banks (Case Study: One of the Commercial Banks of Iran

Directory of Open Access Journals (Sweden)

Ali Rezaeian

2018-03-01

Full Text Available After more than two decades of the emergence of CORE banking systems in Iran, their inefficiency and lack of accountability to the needs of the banks have become evident. Hence, modernization of CORE banking systems is one of the most serious concerns of the banks' managers. All the customers of the banks can access the services of these systems through online and 7*24 channels such as ATMs, PoS and / or Internet. Even the slightest interruption in the provision of these services can because banks face serious crises; therefore, choosing the right strategy for modernization is of utmost importance. The researcher could identify internal and external factors affecting modernization by distributing a questionnaire among banks' senior managers and experts. Afterwards, we used another questionnaire to identify internal and external factors affecting the target bank. Having formed the matrixes of IFE and EFE and completed the questionnaire, the related strengths, weaknesses, opportunities and threats were identified. Strategies were explained based on SWOT method, then the selected strategies were ranked by weighting of the indices with the help of AHP method using QSPM method. Finally, the strategy with the highest rank was determined as the most appropriate strategy for modernization in the target bank.

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

Science.gov (United States)

1965-05-01

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

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

NARCIS (Netherlands)

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

1960-01-01

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

BANK GUARANTEES

OpenAIRE

Vasile NEME

2012-01-01

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

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

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Dard Céline

2018-01-01

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

Adopting Internet Banking in Ghana

OpenAIRE

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

2013-01-01

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

The Social State of the Netherlands 2009

NARCIS (Netherlands)

Rob Bijl; Jeroen Boelhouwer; Evert Pommer; Peggy Schyns

2010-01-01

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

Commercial Activity or Banking Competition?

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Rose-Marie Pușcaciu

2015-12-01

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

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

Science.gov (United States)

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

2018-06-01

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

The role of bank collapse on tidal creek ontogeny: A novel process-based model for bank retreat

Science.gov (United States)

Gong, Zheng; Zhao, Kun; Zhang, Changkuan; Dai, Weiqi; Coco, Giovanni; Zhou, Zeng

2018-06-01

Bank retreat in coastal tidal flats plays a primary role on the planimetric shape of tidal creeks and is commonly driven by both flow-induced bank erosion and gravity-induced bank collapse. However, existing modelling studies largely focus on bank erosion and overlook bank collapse. We build a bank retreat model coupling hydrodynamics, bank erosion and bank collapse. To simulate the process of bank collapse, a stress-deformation model is utilized to calculate the stress variation of bank soil after bank erosion, and the Mohr-Coulomb failure criterion is then applied to evaluate the stability of the tidal creek bank. Results show that the bank failure process can be categorized into three stages, i.e., shear failure at the bank toe (stage I), tensile failure on the bank top (stage II), and sectional cracking from the bank top to the toe (stage III). With only bank erosion, the planimetric shapes of tidal creeks are funneled due to the gradually seaward increasing discharge. In contrast to bank erosion, bank collapse is discontinuous, and the contribution of bank collapse to bank retreat can reach 85%, highlighting that the expansion of tidal creeks can be dominated by bank collapse process. The planimetric shapes of tidal creeks are funneled with a much faster expansion rate when bank collapse is considered. Overall, this study makes a further step toward more physical and realistic simulation of bank retreat in estuarine and coastal settings and the developed bank collapse module can be readily included in other morphodynamic models.

Are Foreign Conventional Banks Capable of Adopting Islamic Banking: A Study to Investigate the Issues and Challenges Faced Foreign Islamic Banks in Malaysia.

OpenAIRE

Muhamed Saeed Baashar, Yahya Abd Elwahab

2010-01-01

Malaysia has witnessed a remarkable growth of Islamic banking industry in the last four decades. It has established its first full-fledged Islamic bank, Bank Islam Malaysia, in 1983. Accordingly, Malaysia is one of the first Islamic countries that place a profound focus on the industry of Islamic banking. The world‟s Islamic banking experiment begun in modern era Egypt - in Mit Ghamr – through the establishment of the Savings Bank first in the 1960s by Dr. Ahmed Al-Najjar. Consequently, the I...

Role of Islamic Banking and Conventional Against Poverty with The Dual Banking System

Directory of Open Access Journals (Sweden)

Iwan Setiawan

2016-12-01

Full Text Available Islamic banking in Indonesia is present in a dual banking system. Islamic banking is expected to contribute more in the process of economic development and improving people’s welfare. The  main  objective of  this  study is  to  analyze the  role  of  financing Islamic banking and conventional banking credit to the improvement of people’s welfare as measured by reductions in poverty. The study was conducted using  the explanatory method, applying the  panel  regression estimation techniques simultaneously with the  Two Stage Least Square  method (TSLS  using  data from the period 1992-2012. Results  of the study reveals that the increased of  financing Islamic banking and conventional banking credit assign roles  to poverty reduction in Indonesia. The role of Islamic banking financing is lower  than conventional bank  credit role  in reducing poverty. In addition to improve financing and credit, changes should be applied in the value  of the instruments of monetary policy, economic growth, unequal distribution  of income and  the depreciation  of the local  currency that contribute towards poverty conditions.

Evolution in banking supervision

OpenAIRE

Edward J. Stevens

2000-01-01

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

Perceptions Towards On-line Banking Security: An Empirical Investigation of a Developing Country`s Banking Sector, how secure is On-line Banking

OpenAIRE

Bongani Ngwenya; Khanyisa Malufu

2012-01-01

The increase in computer crime has led to scepticism about themove made by the banks to introduce on-line banking. Someview this as a noble move which has made the banking systemmore efficient, reliable and secure, while others view it as arisky and insecure way of banking. The aim of this study wasto assess whether on-line banking in the developing countriesis secure or not. The researcher chose a descriptive-quantitativeresearch design. Data was collected using a self constructedquestionnai...

Essays on banking and regulation

NARCIS (Netherlands)

Todorov, R.I.

2013-01-01

This thesis consists of three chapters that explore issues related to bank capital, multinational bank supervision, and bank lending in a developing country. The first chapter explores the impact of peer banks on bank capital adjustments. The second chapter evaluates the extent to which distortions

THE APPLICATION OF RISK BASED BANK RATING ON BANKRUPTCY PREDICTION OF BANKS IN INDONESIA

Directory of Open Access Journals (Sweden)

Evi Sistiyarini

2017-04-01

Full Text Available The increase of banking products and services which is more complex will increase the risk to the banks. Therefore, to anticipate the rise of financial difficulties in a bank, the early warning system. This study aimed to find the influence RBBR (Risk Based Bank Rating ratio’s to predict bankruptcy of conventional Banks in Indonesia. Ratio of RBBR consisted of risk profile, Good Corporate Governance, profitability and capital. Independent variables used were NPL, PDN, LDR, GCG, ROA and NIM, and CAR. Dependent variable was bank bankruptcy using dummy variable. The population of this study was all of the conventional banks in Indonesia. The data was a secondary data taken form financial report of conventional bank 2011-2015. Technical sampling used was a purposive sampling method with some criteria. The analysis of this study used logistic regression.The result of the study showed that NPL, PDN, LDR, GCG, ROA and NIM, and CARhad no significant influence to bankruptcy of the bank.

Ophthalmic nepafenac use in the Netherlands and Denmark

DEFF Research Database (Denmark)

Margulis, Andrea V.; Houben, Eline; Hallas, Jesper

2017-01-01

Purpose: To describe nepafenac use in the Netherlands and Denmark with reference to its approved indications. For context, we also describe the use of ketorolac and diclofenac. Methods: We identified users in the PHARMO Database Network (the Netherlands, 2008–2013) and the Danish national health...... registers (Denmark, 1994–2014). We described prevalence of cataract surgery and duration of use in patients with cataract surgery with and without diabetes. Results: In the Netherlands, 9530 nepafenac users (mean age, 71 years; 60% women) contributed 12 691 therapy episodes, of which 21% had a recently...... dispensed. Use patterns of nepafenac, ketorolac and diclofenac were roughly similar in the Netherlands, but not in Denmark. Conclusion: Less than half of therapy episodes were related to cataract surgery; around 90% of episodes with surgery were within the approved duration. Underrecording of ophthalmic...

Operational Efficiency of Bank Loans and Deposits: A Case Study of Vietnamese Banking System

Directory of Open Access Journals (Sweden)

Tram Nguyen

2018-01-01

Full Text Available This paper examines whether there is a causal relationship between bank loans and deposits in the Vietnamese banking system and the efficiency of the use of loans and deposits by the Vietnamese banks. In a country such as Vietnam, where inter-bank money markets are relatively underdeveloped, one would expect a reasonably strong relationship between deposits and loans. A pooled cross-sectional sample of financial ratios is collected from annual reports of 44 Vietnamese banks covering the period 2008–2015. The explanatory power of instrumental variables in relation to the endogenous variables is tested. A deterministic frontier model based on corrected ordinary least squares, estimated by three-stage least squares on a simultaneous equations model, is employed to derive the frontiers for the sampled banks as well as to estimate the causality between bank loans and deposits. Our findings suggest that, in an underdeveloped banking system such as Vietnam, bank deposits have a positive and significant impact on bank loans, but the reverse relationship is not significant. It is further suggested that in deposit-taking and loan-creating activities, Vietnamese banks performed moderately well over the period examined; however, in the near future, they should start to focus more on deposit-taking activities.

12 CFR 7.1003 - Money lent at banking offices or at other than banking offices.

Science.gov (United States)

2010-01-01

... 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... without violating 12 U.S.C. 36, 12 U.S.C. 81 and 12 CFR 5.30, provided that a third party is used to...

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

Science.gov (United States)

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

2016-12-01

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

Effects of Ecohydraulic Bank Stabilization Structures on Bank Stability and Macroinvertebrate Community in Surabaya River

Directory of Open Access Journals (Sweden)

Daru Setyo Rini

2018-01-01

Full Text Available There were 18 accelerated erosion sites identified along 7 km of Surabaya River Fishery Sanctuary Area. A model of ecohydraulic bank stabilization was applied to reduce bank erosion in Surabaya River at Gresik Regency Indonesia. The model is combination of reprofiled and revegetated bank with rock toe reinforcement and  addition of log groynes. Various native plant species were planted and naturally grown to establish multi-strata littoral vegetation structure. This study assessed effects of ecohydraulic bank stabilization on bank morphology, near bank velocity and littoral macroinvertebrate community during September 2014 to August 2016. The study found that rock toe enforcement, log groynes and reprofiled bank slope could stabilized the eroded bank, and littoral vegetation formation reduced near bank velocity at restored sites. There were 31 families of macroinvertebrate found in Surabaya River with high abundance of moderately pollution sensitive taxa Atyidae and pollution tolerant taxa Corixidae, Chironomidae and Tubificidae. The taxa richness, diversity index and abundance of sensitive and moderately sensitive macroinvertebrate group were increased after application of ecohydraulic bank stabilization at restored area. The results shown that ecohydraulic bank stabilization structure provides multi-benefits in improving bank stabilization against erosion and providing new micro-habitats for biotic community. Keywords:  ecohydraulic bank stabilization, macroinvertebrates, riparian restoration

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

Science.gov (United States)

2010-01-01

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

Penilaian Tingkat Kesehatan Bank Dengan Menggunakan Pendekatan Risiko (Risk-Based Bank Rating

Directory of Open Access Journals (Sweden)

Masnawati .

2016-04-01

Full Text Available This  study  aimed  to  analyze  techniques  of  the  bank’s  health  assessment  and determine  which  strategies  should  be  done  in  order  to  improve  the  health  of the bank. The method used is the approach of Risk (Risk Based-Bank Rating in accordance with Bank Indonesia Regulation on Rating Bank that PBI Number: 13/1/PBI/2011  which  entered  into  force  on  January  1,  2012.  Bank  health assessment  performed  using  four  (4  factors:  Risk  Profile,  Good  Corporate Governance (GCG, Earning, and Capital. Object  of  this  study  is  PT.  Bank  Pembangunan  Daerah  Kalimantan  Selatan period  2012.  The  results  showed  that  the  health  of  banks  in  PT.  Bank Pembangunan  Daerah  Kalimantan  Selatan  getting  ranked  2,  meaning  can be  categorized  good.  Strategies  to  improve  the  health  value  of  a  bank  is  to improve aspects of Earnings and Capital. Strategis Steps that must to increase credit expansion, improve the quality and quantity of human resources, product innovation, and increase fee-based income. Keywords: Healthy  banks,  Risk  Profile,  Good  Corporate  Governance  (GCG,  Earnings, Capital

Monetary policy, bank size and bank lending: evidence from Australia(new version)

OpenAIRE

liu, luke

2012-01-01

This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of cash rate change on lending of different types of loans. We found the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan.

Netherlands Government decides on additional measures to achieve target

International Nuclear Information System (INIS)

Merkus, H.; Dijk, D. van

1996-01-01

The Government of the Netherlands recently informed Parliament about a set of additional measured aimed at achieving the Netherlands' climate targets, set in the Second National Environmental Policy Plan of December 1993. These additional measures should be a further guarantee that 3% reduction in CO 2 emissions will be achieved in 2000 compared to 1990 levels. Energy saving in offices and small companies will be further encouraged. Furthermore, two coal-fired power stations will switch fuels to 10% wood. At present the Netherlands has an installed capacity of about 14,000 MW, about one third of which is coal fired. The Netherlands emission inventory will now be created according to the IPCC methodology, except for temperature correction. 3 tabs

Croatian banking sector research: relationship between ownership structure, concentration, owners’ type and bank performance

Directory of Open Access Journals (Sweden)

Igor Tomičić

2012-12-01

Full Text Available Banks are important financial intermediaries of any national economy, and corporate governance has an important role in banking sector; especially due to processes of the globalization and the internationalization, and also because of the sensitivity of the activities between the interest groups. The objective of this paper is to examine the relationship between ownership structure, concentration, owners’ type and bank performance. The authors made a research of banks' ownership structure using publicly available data. Using statistical tools authors discovered relationships between bank ownership structure and bank performance indicators (average asset, total asset, average equity, profit (loss before taxes, profit (loss after taxes, ROAA, ROAE. Further they discuss the relationships between ownership structure and a number of consequences for the bank performance. The authors discovered significant correlation between bank ownership structure and performance indicators variables that are described in the paper.

REFORMING THE EUROPEAN FINANCIAL AND BANKING ARCHITECTURE IN THE CRISIS CONTEXT. THE BANKING UNION CONCEPT

Directory of Open Access Journals (Sweden)

Magdalena, RADULESCU

2014-11-01

Full Text Available Deep financial crisis which started in 2007 proved to be extremely contagious affecting the financial and banking EU system. Achieving an integrated banking market is the main component of the European policy in the financial-banking services area. The latest developments underlined that the difficulties faced by the banks can negatively impact on the entire financial stability of the member states. That's why, the European Central Bank will be entitled to supervise any bank of the euro area, especially the ones that benefit of public support. Reforming the financial and banking system must be shaped in the frame of insuring some durable national finances, of an urgent recapitalizing of the banks that need that and of elaborating some common fiscal and financial and banking regulations effective in the eurozone.

40 CFR 91.205 - Banking.

Science.gov (United States)

2010-07-01

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

Greece and the Missing Banking Union

DEFF Research Database (Denmark)

N. Gordon, Jeffery; Ringe, Georg

2015-01-01

The Greek Crisis is a crisis rather than a problem due to the vulnerability of Greek banks. While the banks have deep problems, this column argues that these would have been mitigated if a fully operational banking union were in place. A full banking union requires joint banking supervision, join...... 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.......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...

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

African Journals Online (AJOL)

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

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

NARCIS (Netherlands)

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

2006-01-01

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

Financial performance after the Spanish banking reforms: A comparative study of 19 commercial banks

Directory of Open Access Journals (Sweden)

Pison F. Irene

2014-06-01

Full Text Available A diagnostic review of the Spanish financial system during the 2008 financial crisis reveals the emergency need for banking reform in the sector. In an attempt to evaluate the impact of the Spanish reform, the present study examines the bank´s performance before/after the reform was adopted, using data of 19 Spanish commercial banks extracted from the Global Vantage research database (Standard and Poor’s over the period 2006 to 2013. This study uses multivariable regression method to investigate the impact of the CAMELS rating system: capital adequacy, asset quality, management quality, liquidity and sensitivity to market risks on the bank´s performance such as earnings efficiency. The time-line of the study is essential because it helps us to determine the financial performance of Spanish commercial banks before the banking reforms during the financial crisis and an important set in terms of mergers and acquisition in the banking industry. The empirical results have found strong and positive evidence that Capital Adequacy, Management Capacity, Liquidity and Sensitivity to Market Risk are useful predictors of banks performance (earnings efficiency, thus, any reform pilot toward this banking indicators will eventually have a positive impact on banking performance. Base on the present study, the Spanish reform was so vital for better banking performance. Therefore, this study serves not only to academics but also to policy makers

Perbandingan NPL, LDR, CAR, ROA, dan BOPO Antara Bank BNI Dan Bank BUMN Lain

Directory of Open Access Journals (Sweden)

Tri Wahyuningsih

2016-09-01

Full Text Available This study aims to analyze the differences in financial performance of Bank BNI and other BUMN Banks by the measuring the ratio of Non Performing Loan (NPL, Loan to Deposit Ratio (LDR, Adecuacy Capital Ratio (CAR, Return on Assets (ROA and BOPO. The study was conducted by using descriptive analysis method. The results of this study explained that the performance NPL, LDR, and Bank BNI's CAR on average during the past eight semesters was still better than BUMN Banks on average, while the performance of ROA and BOPO remained below the average Revenues and Operating Expenses of Operational Income of  Bank BUMN. The results also showed that all BUMN banks still showed good and healthy performance and in accordance with the provisions set by Bank Indonesia. This study also presented the strategy undertaken by Bank BNI to improve its financial performance, that is, the business synergy of all units unit, growth in good-quality assets, optimization of the customer engagement, strengthening the network and develop alliances, optimization of existing resources and simplification of processes, and enhancing customer experiences through improving processes and business models to  digital banking. Keywords: Non-Performing Loans, Loan to Deposit Ratio, Capital Adequacy Ratio, Return on Assets, Revenues and Operating Expenses of Operational Income, Bank BNI, Bank BUMN.

Ethic differences in intergenerational solidarity in the Netherlands

NARCIS (Netherlands)

Schans, J.M.D.; Komter, A.E.

2010-01-01

Using data from the 2002–2003 Netherlands Kinship Panel Study and the Social Position and Provisions Ethnic Minorities Survey (N=2833) we describe patterns of intergenerational solidarity among five different ethnic groups in the Netherlands. We compare patterns of normative, associational and

INLAND DUNE VEGETATION OF THE NETHERLANDS

Directory of Open Access Journals (Sweden)

R. HAVEMAN

2003-01-01

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

BANKING SUPERVISION IN EUROPEAN UNION

OpenAIRE

Lavinia Mihaela GUȚU; Vasile ILIE

2013-01-01

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

Modern bank's credit risk

Directory of Open Access Journals (Sweden)

Šabović Šerif

2015-01-01

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

NEA data bank

International Nuclear Information System (INIS)

1983-01-01

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

Quality system and audit of human skin allografts

International Nuclear Information System (INIS)

Van Baare, J.

1999-01-01

Allograft skin has long been recognised as an important resource in the management of bum wounds. The important issue in skin banking is fust to guarantee safety of human cadaveric donor skin. Second, the quality of the allografts should be assured. The Euro Skin Bank, established in 1976, is located in The Netherlands. Not only in The Netherlands, but in many other (European) countries no specific regulation exists for tissue banking. With respect to skin banking in The Netherlands the Euro Skin Bank requested the government what regulations should be applied on their activities. It was stated in 1994 that human allografl skin should be regarded as a phan-naceutical drug, a magistral preparation. The Euro Skin Bank should therefore be subjected to the guidelines given for the Good Laboraton, Practices and Good Manufacturing Practices to process allogmft skin. Nevertheless, it was in the opinion of the Euro Skin Bank that regulating human tissue as a pharmaceutical drug was not sufficient e.g. no specific regulations for serologic testing of the tissue donor is given, which should be one of the most important issues in tissue banking. Recently the government has published new legislation for tissue banks in The Netherlands: on July I st, 1998, a new legislation was enforced concerning organ and tissue donation and on November I st, 1998, quality requirements for organ and tissue banks are published. The European Community discussed the possibility to bring all animal and human tissues under the Medical Device Directive (MDD). Soon it was proposed not to incorporate viable hw-nan tissue into the MDD. Last year all human tissue was excluded from the MDD. Lack of European regulations has been resulted in national laws, e.g. in The Netherlands, Germany and France. Possibly there might be a more significant role for the European Association of Tissue Banks in the near future for European legislation on tissue banking. In order to have a standard quality system wmch is

Performance Based Islamic Performance Index (Study on the Bank Muamalat Indonesia and Bank Syariah Mandiri

Directory of Open Access Journals (Sweden)

Siti Aisjah

2015-09-01

Full Text Available The development of Islamic base banks in Indonesia in recent years show rapid growth. The main challenge for Islamic base banks is how to raise belief from the stakeholders. Stakeholder expectations of the Islamic banks is different from a conventional bank. Since, Islamic banks are built on basic principles of Islamic economics. Therefore, we need a tool to evaluate and measure the performance of Islamic base banks. Islamicity Performance Index is a method which can evaluate the performance of Islamic base banks not only their financial but also justice principles, halal (lawfulness, and tazkiyah (sanctification. There are six financial ratios which are measured from Islamicity Performance Index:profit sharing ratio, zakat performance ratio, equitable distribution ratio, directors-employees welfare ratio, Islamic investment versus non-Islamic investment ratio, Islamic income versus non-Islamic income. This research is intended to figure out the performance of Islamic base Bank in Indonesia based on Islamicity Performance Index. The samples are the Bank Muamalat Indonesia and Bank Syariah Mandiri. Sources of data are the financial reports of Bank Muamalat Indonesia and Bank Syariah Mandiri in 2009–2010 period.The results show that the financial performance of Islamic Base Bank in Indonesia during 2009-2010 period have ”quite satisfactory level of  valuation. However, there are two unsatisfactory ratios. They are zakat performance ratio and director-employee welfare contrast ratio. It shows that zakat issued by the Islamic base bank in Indonesia is still low and the contrast of the director-employee welfare is still huge.

Analisis Perbandingan Kinerja Keuangan Bank Swasta Nasional Dan Bank Pemerintah Yang Terdaftar Di Bursa Efek Indonesia (Bei

Directory of Open Access Journals (Sweden)

Sri Hastuti

2011-10-01

Full Text Available Performance or performance of bank is the image of reached achievement in banking operational in all aspect, covering monetary management of bank and ability of bank’s assets had to yield profit efficiently, so bank can stay and compete in the middle of inflation distortion and policy of Bank Indonesia, hence the bank had to have up to standard performance or performance - condition health of bank determined by Bank Indonesia. This research aim to analyse and prove the difference flattens which isn't it in monetary performance Private National Bank and State Bank pursuant to ratioes of CAMEL. Sampel the used to amount to 12 banks, consist of 9 Private National Bank and 3 taken State Bank pursuant to Purposive Sampling with criterion enlist in Indonesia Stock Exchange (BEI, routine deliver financial statement, period of year 2005-2007.

ANTESEDEN ATTITUDE TOWARDS M-BANKING DAN DAMPAKNYA TERHADAP BEHAVIORAL INTENTION TO ADOPT M-BANKING

Directory of Open Access Journals (Sweden)

Titon Adrinanto

2016-02-01

Full Text Available The background of this research was m­banking users in Indonesia is still low despite the mobile phone users in developed and developing countries in the world has increased rapidly since 21st century. Some bank companies in Indonesia has been offering m­banking service but the use of m­banking for financial transaction is still low and limited. The objectives of this research was to analyze the antecedents of attitude towards m­banking and its impact on behavioral intention to adopt m­banking. The design of this research applies hypothesis testing. 200 samples selected from prospective user of 3 government bank. The sampling technique was purposive sampling with cross­sectional study. Data analysis used in this research was collected by questionnaire technique with item of statements for each variable. In order to obtain valid and reliable instrument tool, validity and reliability test has been done. The result of this research conclude that there is positive effect perceived usefulness, perceived ease of use, perceived competence, perceived communication, perceived privacy and security, society influence, and facilitating condition on attitude towards m­banking. This study supports that there is positive influence on attitude towards m­banking on behavioral intention to adopt m­banking.

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

Directory of Open Access Journals (Sweden)

A. J. Berland

2013-06-01

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

Bank and sovereign debt risk

OpenAIRE

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

2013-01-01

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

The migration of Flemish doctors in the Netherlands.

NARCIS (Netherlands)

Heuvel, J. van den; Maeseneer, J. de; Velden, L. van der

2007-01-01

The cross border migration of Flemish general practitioners (GPs) to the Netherlands was examined. In the recent past Belgium experienced a surplus in GPs, while in the Netherlands a shortage was observed. Despite the availability of potential incentives in respect of income and professional

Banking towards development: Evidence from the Spanish banking expansion plan

OpenAIRE

Pere Arqué-Castells; Elisabet Viladecans-Marsal

2013-01-01

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

E-BANKING: A CASE STUDY OF ASKARI COMMERCIAL BANK PAKISTAN

OpenAIRE

Muhammad Shakil AHMAD; Shahid RASHID; Muhammad Tahir MASOOD; Ehtesham UL MUJEEB

2011-01-01

This paper has covered the operational issues related to e-banking as well as customer’s perception on usage of e-banking a case study of Askari Bank, Pakistan. 40 staff members and four customers are selected as sample for this study. Both qualitative and quantitative methods are used to present the results. Descriptive statistics is applied to describe the demographic variables while for operational problems correlation was used. Finally cross case analysis present customers’ perception abo...

Bank of China Becomes Banking Partner of Beijing 2008 Olympic Games

Institute of Scientific and Technical Information of China (English)

无

2004-01-01

@@ Beijing Olympic Committee announced recently that Bank of China become a partner of 2008 Olympic Games. Bank of China will provide abundant fund, banking financial products and related services for Beijing 2008 Olympic Games, and Paralympic Games, Beijing Olympic Organizing Committee and China Olympic Committee and China Sports team to participate in 2006 Winter Olympic Games and 2008 Olympic Games.

The Determinants of Banking Performance: Empirical evidence from Tunisian Listed Banks

Directory of Open Access Journals (Sweden)

Khalfaoui Hamdi

2015-06-01

Full Text Available This paper aims to identify the determinants of performance of the Tunisian banking sector. The results found, following an empirical study using panel data of Tunisian banks listed on the stock market over the period 2000-2013, show that credit risk, liquidity, total assets and disclosure of information relating to credit are the main determinants of banking performance.

31 CFR 103.187 - Special measures against Myanmar Mayflower Bank and Asia Wealth Bank.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Special measures against Myanmar... measures against Myanmar Mayflower Bank and Asia Wealth Bank. (a) Definitions. For purposes of this section...) Myanmar Mayflower Bank means all headquarters, branches, and offices of Myanmar Mayflower Bank operating...

Nothing special about banks : Competition and bank lending in Britain 1885-1925

NARCIS (Netherlands)

Braggion, Fabio; Dwarkasing, Narly; Moore, Lyndon

2017-01-01

We investigate the impact of increasing bank concentration on bank loan contracts in a lightly regulated environment. This environment allows us to abstract from possible confounding effects of regulation to focus on the “pure” effects of competition on bank lending. We study over 30,000 British

Branch of bank, change of its status and its value in contemporary Czech banking system.

OpenAIRE

Čížek, Martin

2009-01-01

This study concerns view of contemporary branch of bank. It shortly deals with history of bank branch in Czech environment after 1989. Further the study analyses its importance, advantages and disadvantages comparing direct banking - online banking in particular. The key point of the study is to answer the question if there is a future of branch of bank. Whether it will cooperate successfully with internet online channels of communication or it will be superseded by online banking at all.

78 FR 20643 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-04-05

... (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1... voting shares of Northview Bank, Sandstone, Minnesota, and First Independent Bank, Russell, Minnesota...

Domestic Systemically Important Banks: A Quantitative Analysis for the Chinese Banking System

Directory of Open Access Journals (Sweden)

Yibing Chen

2014-01-01

Full Text Available This paper serves as a response to the official assessment approach proposed by Basel Committee to identify domestic systemically important banks (D-SIBs in China. Our analysis presents not only current levels of domestic systemic importance of individual banks but also the changes. We also consider the systemic risk of the whole banking system, by investigating how D-SIBs and non-D-SIBs are correlated before and after the recent financial crises using Copula. We find that the systemic importance of major banks is decreasing, while some banks becoming more systemically important should require tight regulations. D-SIBs as a whole subsystem display stronger correlation with non-D-SIBs than the individual D-SIBs, which alerts the regulatory to pay attention to “too-many-to-fail” problems. Contagion effects between D-SIBs and non-D-SIBs exist during the subprime crisis, but did not exist during the European debt crisis. This yields good signal of a more balanced banking system in China.

PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

Directory of Open Access Journals (Sweden)

Dragan (Santamarian Oana Raluca

2012-12-01

Full Text Available This paper describes one of the major challenges of the future: the sustainable development of the society. Sustainability is now increasingly recognized as central to the growth of emerging market economies. For the banking sector, this represents both a demand for greater social and environmental responsibility as well as a new landscape of business opportunity. Several years ago, the main part of the banks did not consider the social and environmental problems relevant for their operations. Recently, the banks began to realize the major impact of the sustainable development over the way of ulterior development of the society and, implicitly over the way of creating of the banking value in the future. In this context, the development of a banking management system, based on sustainable principles represents one of the provocations of these days.Starting from literature in the sustainable banking management field in this paper are presented several relevant issues related to risk management in the context of sustainable banking financing: the need to implement the sustainable management principles in financial and banking industry; the role of banks in sustainable development of society; social and environmental risk management policies, events that have shaped the role of the banking sector in sustainable development; international standards regarding sustainable banking management such us: Equator Principles for sustainable investment projects’ financing or GRI principles for sustainable reporting. Furthermore, we developed a practical case study related to the implementation of sustainable banking management at Bank of America.

Customer loyalty in Internet banking

OpenAIRE

Eriksson, M.; Schuster, C.

2008-01-01

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

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

Science.gov (United States)

2010-09-22

... Carboxymethylcellulose From Finland, Mexico, Netherlands, and Sweden AGENCY: United States International Trade Commission... carboxymethylcellulose from Finland, Mexico, Netherlands, and Sweden. SUMMARY: The Commission hereby gives notice of the... carboxymethylcellulose from Finland, Mexico, Netherlands, and Sweden would be likely to lead to continuation or...

Environmental radioactivity in the Netherlands : Results in 2015

NARCIS (Netherlands)

Knetsch GJ; M&M; VLH

2017-01-01

In 2015 the Netherlands fulfilled the European obligation to annually measure radioactivity in the environment and in food. All Member States of the European Union are required to perform these measurements each year under the terms of the Euratom Treaty of 1957. The Netherlands complied with the

Environmental radioactivity in the Netherlands : Results in 2014

NARCIS (Netherlands)

Knetsch GJ; M&M; M&V

2017-01-01

In 2014 the Netherlands fulfilled the European obligation to annually measure radioactivity in the environment and in food. All Member States of the European Union are required to perform these measurements each year under the terms of the Euratom Treaty of 1957. The Netherlands complied with the

CO2 reduction strategies for the Northern Netherlands

NARCIS (Netherlands)

Benders, Rene; Moll, Henk; Noorman, Klaas Jan; Wiersma, Gerwin

2011-01-01

The concern about global warming initiated ambitious CO2 reduction goals in cities and regions in the Netherlands. This article describes a study of such a local initiative for the Northern Netherlands. The research aimed to develop CO2 reduction scenarios for 2035 with national and international

Measuring brand equity in banking industry: A case study of Mellat Bank

Directory of Open Access Journals (Sweden)

Maryam Nadernezhad

2013-08-01

Full Text Available This study examines the influencing factors on brand equity in banking industry. The proposed study designs a questionnaire consists of 16 questions for measuring brand loyalty, brand awareness, brand compatibility and perceived quality in one of Iranian banks named Mellat Bank. Using a descriptive and non-experimental study, the proposed study gathers data and analyze them using t-student test. The results indicate that three components including brand loyalty, brand awareness and brand equity compatibility on brand equity of Mellat bank branches in Mazandaran province are in desirable level but the effect of perceived quality indicator on brand equity of Mellat Bank is not desirable. The study provides necessary suggestions to improve the quality of services for the proposed case study.

PENGARUH RASIO KESEHATAN BANK TERHADAP KINERJA KEUANGAN BANK SYARIAH PERIODE 2010-2013

Directory of Open Access Journals (Sweden)

Iwan Fakhruddin

2015-09-01

Full Text Available The research was aimed to analyze the effect of risk base bank ratio to the financial performance of syariah bank listed in Central Bank of Indonesia. The population covered all syariah Bank and the sample was 11 syariah Bank. Then, the data analyze through double regression. The research showed that Capital Adequacy Ratio (CAR, Non Performing Ratio (NPF, Operational efficiency Ratio (OER, Financing to Deposit Ratio (FDR, Quality of Productive Active (KAP effected simultaneously to Return of Asset (ROA. CAR variable had positive and significant effects to ROA. NPF contributed negative and significant effects to ROA. OER comprised negative and significant effect to ROA. FDR had positive and significant effect to ROA. KAP got negative and significant effect to ROA.

Banks, regions and development

Directory of Open Access Journals (Sweden)

Pietro Alessandrini

2003-03-01

Full Text Available From the 1980s onwards the banking sectors in all the industrialised countries have been experiencing intense restructuring, aggregation and consolidation, radically changing their ownership structures and geography. Whatever the reasons behind such restructuring processes, the globalisation of the credit markets, the consolidation of banking structures, the removal of barriers to the free location of banks and their penetration of peripheral markets pose two main questions. Will integration of the banking systems lead to a narrowing or a widening of the development gap between regions? What relations will there be between financial centres and the periphery, and how will financial labour be divided between national (international banks and local (regional banks? The aim of this paper is to address such questions in the light of recent developments in the theoretical and empirical literature on financial integration.

Bank of China Becomes Banking Partner of Beijing 2008 Olympic Games

Institute of Scientific and Technical Information of China (English)

无

2004-01-01

　　Beijing Olympic Committee announced recently that Bank of China become a partner of 2008 Olympic Games. Bank of China will provide abundant fund, banking financial products and related services for Beijing 2008 Olympic Games, and Paralympic Games, Beijing Olympic Organizing Committee and China Olympic Committee and China Sports team to participate in 2006 Winter Olympic Games and 2008 Olympic Games.……

Credit Risk Management in Banking Institutions: Comparison between Chinese Banks and UK Banks

OpenAIRE

YU, LIN

2009-01-01

The recent international financial market turmoil has a great effect on the banking industry; accordingly it is very necessary to investigate the topic of the credit risk management. This paper mainly discusses the importance, current situation, ways and guidelines of the credit risk management for the banking industry. A large number of literatures are integrated in order to illustrate and explain recent developments in both methods and principles of credit risk management. Meanwhile, some e...

An experimental comparison of conventional two-bank and novel four-bank dynamic MLC tracking

International Nuclear Information System (INIS)

Davies, G A; Clowes, P; McQuaid, D; Evans, P M; Webb, S; Poludniowski, G

2013-01-01

The AccuLeaf mMLC featuring four multileaf-collimator (MLC) banks has been used for the first time for an experimental comparison of conventional two-bank with novel four-bank dynamic MLC tracking of a two-dimensional sinusoidal respiratory motion. This comparison was performed for a square aperture, and for three conformal treatment apertures from clinical radiotherapy lung cancer patients. The system latency of this prototype tracking system was evaluated and found to be 1.0 s and the frequency at which MLC positions could be updated, 1 Hz, and therefore accurate MLC tracking of irregular patient motion would be difficult with the system in its current form. The MLC leaf velocity required for two-bank-MLC and four-bank-MLC tracking was evaluated for the apertures studied and a substantial decrease was found in the maximum MLC velocity required when four-banks were used for tracking rather than two. A dosimetric comparison of the two techniques was also performed and minimal difference was found between two-bank-MLC and four-bank-MLC tracking. The use of four MLC banks for dynamic MLC tracking is shown to be potentially advantageous for increasing the delivery efficiency compared with two-bank-MLC tracking where difficulties are encountered if large leaf shifts are required to track motion perpendicular to the direction of leaf travel. (paper)

Banking crises : A review

NARCIS (Netherlands)

Laeven, L.

2011-01-01

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

Euthanasia in The Netherlands.

Science.gov (United States)

van der Wal, G; Dillmann, R J

1994-05-21

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

78 FR 20919 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-04-08

... the Citizens Bank and Trust, both in Jackson, Kentucky, and Farmers Deposit Bank, Middleburg, Kentucky.... Board of Governors of the Federal Reserve System, April 3, 2013. Michael J. Lewandowski, Assistant...

The Consolidation on Banking Supervision in the Context of a Pan European Banking System

OpenAIRE

Teodora Barbu; Georgeta Vintila

2007-01-01

The diversity of national banking systems in the European banking system and the absence of consolidated supervision creates the premises for a series of interrogations whose essence is the same: Is it possible to discuss about a Pan European Banking System? The starting point in answering this question was the efforts to create a single banking market, which took place in 1973-1999, and the impact of integration on the European Banking Industry. Among the most representative aspects, it must...

The impact of the recent banking crisis on customer loyalty in the banking sector

DEFF Research Database (Denmark)

Skowron, Lukasz; Kristensen, Kai

2012-01-01

. The second part of the paper demonstrates statistical analysis of the obtained data from the Polish and European banking sector. The authors also present socio-demographic characteristic of the research samples and the character of the bank-client relations, comparative analysis of customer satisfaction...... and loyalty levels than clients of banks in Western Europe. Second, the recent banking crisis has affected the level of customer satisfaction much more strongly in developing European countries than in developed ones. Third, the recent banking crisis has changed the character of the process of building...... customer satisfaction and loyalty in Poland by strengthening the influence of the image area. Originality/value – Hardly anyone has tried to measure the influence of the banking crises at the level of customers’ satisfaction and the structure of the process of building long-term relations between banks...

The incidence of neonatal herpes in The Netherlands.

NARCIS (Netherlands)

Poeran, J.; Wildschut, H.; Gaytant, M.A.; Galama, J.M.D.; Steegers, E.A.P.; Meijden, W.I. van der

2008-01-01

BACKGROUND: In The Netherlands the incidence of neonatal herpes was 2.0-2.9 per 100,000 live births during the period 1981-1998. The low incidence warranted a rather conservative prevention policy. OBJECTIVES: To monitor for potential changes in the incidence of neonatal herpes in The Netherlands

Implementation of coastal erosion management in the Netherlands

NARCIS (Netherlands)

Mulder, J.P.M. P.M.; Hommes, Saskia; Horstman, Erik

2011-01-01

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

Stress Testing of the Montenegrin Banking System with Aggregated and Bank-Specific Data

Directory of Open Access Journals (Sweden)

Vuković Sanja

2014-05-01

Full Text Available There are many different approaches to the process of stress testing and two of them will be investigated in this paper. The first one is a stress test performed on aggregated data i.e. the banking system as a whole. The variable of interest in both exercises is the Loan Loss Provision ratio (hereinafter: the LLP. The main goal of the thesis is to find an answer to the following question: what are the macroeconomic variables that influence LLP the most and how will LLP, as a variable of interest, behave in a situation when all these variables were to experience negative performance at the same time? The resilience of the banking system to such scenario will be tested through the capital adequacy ratio. In order to find out more about the management practices of banks, microlevel data on banks were also used in the analysis. The focus was to see which of the variables are able to explain the LLP ratio for each bank individually and how is this information helpful for possible improvements in the banking sector. The relations between these variables will be able to explain some of the banks’ losses and some of the banks’ practices regarding credit activities. The analysis there will provide for some recommendations for the banks but also for the Central Bank and its way to influence the practices in the banking sector.

77 FR 35680 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-06-14

..., New York, New York 10045-0001: 1. Muhammad Habib, Zurich, Switzerland; to retain a controlling... of Habib American Bank, New York, New York. B. Federal Reserve Bank of Atlanta (Chapelle Davis...

Customer Satisfaction and Loyalty Among Internet Banking Users of Philippine National Bank in Batangas City

Directory of Open Access Journals (Sweden)

EDWARD KERVIN B. MOJARES

2014-04-01

Full Text Available One of the most vital challenges of the Internet as a service delivery channel is providing and maintaining service quality. This study aimed to describe the profile of the respondents with regards to socio-demographic and bank-related variables; to identify the effects of internet banking among its clients in Batangas City; to determine the level of customer’s satisfaction in terms of speed and accuracy, accessibility and convenience, and security features; to determine the respondents level of loyalty; to test the relationship between effects of internet banking service and customer satisfaction and loyalty variables; and lastly, to propose effective measures on how to enhance the quality of internet banking service offered by PNB in Batangas City. The descriptive-correlation method was utilized in the conduct of the study. The respondents of the study are the top 100 or 30% of the three hundred thirty four active users of internet banking service of Philippine National Bank in Batangas City during the period of October 2012 as generated by the bank’s system. The study revealed that the respondents are generally satisfied with the speed and accuracy, accessibility and convenience, and security features of the internet banking service facility. It was also found out that only speed and accuracy showed significant relationship on the effect of internet banking. Internet banking users are still considering the speed and accuracy of the banks service to make them satisfied despite that internet banking provides lower cost delivery channel, gives customers to almost any type of banking transactions and gives breadth and depth customer service. However, customers’ level of loyalty is not affected by the effects of internet banking services. This proves that as long as the customers are being provided with an excellent service, customer loyalty/retention could still be possibly attained by the bank

RELIGION AND BANKING SYSTEM: THE FUTURE OF SYARIAH BANKING PRACTICES Historical and Contemporary Fiqh Perspectives

Directory of Open Access Journals (Sweden)

Hamka Siregar

2014-12-01

Full Text Available The momentum of the development of Sharia banking has been noticed since the 1970s, which generally had two patterns: first, establishing the Islamic bank side by side with conventional one (dual-banking system as practiced in Egypt, Malaysia, Saudi Arabia, Jordan, Kuwait, Bahrain, and Bangladesh; and second, restructuring the banking system as a whole in accordance with Islamic Sharia (full-fledged Islamic financial system as applied in Sudan, Iran and Pakistan. The development of the Sharia-based banks which have been established across the world since the 1970s, became the motivation of the Indonesian ulemas to draft law on Sharia banking, so that Sharia banking could also be developed. As a result, these last few years, the banking world in Indonesia has witnessed the establishment of the public Sharia banks and Sharia business units, like Bank Muamalat and Bank Syariah Mandiri to mention a few. Using historical and contemporary jurisprudence perspective, this paper provides discussion on the future of Sharia banking.

Mobile banking in Asia

OpenAIRE

Anne Ho

2010-01-01

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

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

Science.gov (United States)

Shurtz, Mary Ann; LeFlore, Ann Becker

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

BANKING SUPERVISION IN EUROPEAN UNION

Directory of Open Access Journals (Sweden)

Lavinia Mihaela GUȚU

2013-10-01

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

BANK RATING. A COMPARATIVE ANALYSIS

Directory of Open Access Journals (Sweden)

Batrancea Ioan

2015-07-01